Helping you pursue the future you want

The Essentia Health Retirement Plan 401(k) and Essentia Health 403(b) Plan are moving to Empower Retirement.

Effective January 4, 2021 Your future in the making

Welcome to Empower Retirement. Your journey is about to begin. You’re all set You don’t need to do anything right This booklet is intended to help you understand what to expect during the transition now unless you want to make of the Essentia Health Retirement Plan 401(k) and the Essentia Health 403(b) to changes to your account(s). Once Empower Retirement. In addition, below are a few things that you will have the ability to the transfer is complete, you will do after the transition is complete: receive a notice from Empower. • An enhanced mobile-friendly website providing 24-hour access to your account and Special note: service representatives who are ready to assist you, weekdays from 7 a.m. to 9 p.m. You are receiving this notice Central time, and Saturdays from 8 a.m. to 4:30 p.m. Central time because you have a balance in one or both of these named retirement • Innovative tools to help you maximize your retirement benefit including plans. Please read through this Retirement planning tools to calculate your estimated monthly retirement income document for information on the with a Lifetime Income ScoreSM and Health Cost Estimator that shows healthcare transition of your account(s) to costs at different ages in retirement based on your personalized data Empower Retirement. • A user-friendly and cutting-edge platform for overall financial wellness and retirement planning with easy-to-understand investment performance and education materials

• Commitment to high levels of transaction accuracy and cybersecurity

We’ve got your back As you continue to plan for a successful future, we’re here to help. Let us know if you have any questions about your plan, or if you need to make updates to your account.

Get more information about the transition online at essentiahealthretirement.com or by calling 833-543-4343. Mark your calendar

December 17, 2020, at 3 p.m. Central Deadline to conduct self-directed brokerage transactions in/out of your Schwab PCRA account This is the last day to conduct transactions between Transamerica and your Schwab PCRA account before the transition.

December 23, 2020, at 3 p.m. Central time Transition period begins This is the last day to conduct transactions with Transamerica. This includes enrollment, investment changes, contribution rate changes, beneficiar y updates, loans, withdrawals, and submission of any completed paperwork for transactions to be processed in your overall account before the transition to Empower. You will have limited access to your account(s). This “blackout period” will give us time to transfer your plan’s administrative records to Empower Retirement (see the Important notice section of this document for details). Payroll deductions will continue during the blackout period and any scheduled Januar y 1 automatic increases to your contribution rate will take effect with the first pay period in Januar y.

Week of January 10, 2021 Transition period is expected to end Once the blackout period has ended, you will have full access to your account online and by phone.

TIP We recommend evaluating your retirement planning, as well as your overall financial plan, before the blackout period begins so you can be prepared

E-Delivery and E-Consent information This will be carried over from Transamerica, so if you have elected to receive statements, confirms, and other information via e-mail, Empower will continue with this delivery option provided a valid e-mail address has been shared. Please review your e-consent information either prior to transition with Transamerica or after the transition with Empower.

For any participants who have installment payments in payment status Please note that payments scheduled to occur in December 2020 will be expedited and paid prior to December 24, the start of the blackout period. For those participants scheduled to receive installment payments in January 2021, these payments will be delayed and paid as soon as possible following the plan’s transition the week of January 10, 2021.

Special note to any terminated participants that are continuing to pay on outstanding plan loans Your account information will be carried over from Transamerica to Empower, but we encourage you to contact Empower af ter the transition is complete to reconfirm your banking information. How your account will transfer

As part of the transition to Empower, your account(s)will remain invested in the same funds in which you are currently invested. If you would like your account(s) to transfer differently, simply change the elections for your current balance and your future contributions by contacting Transamerica at 800-755-5801 between now and 3 p.m. Central time on December 23, 2020. The temporary blackout period begins at this time and will end the week of January 10, 2021 during which time you will not be able to make investment or other changes to your account. You will be able to make changes after the transition is completed the week of January 10, 2021.

CORE FUND LINEUP: (Unless otherwise noted, all funds listed are available in the 401(k) and 403(b) plans.)

FUND NAME TICKER FUND NAME TICKER

American Funds EuroPacific Gr R6 RERGX T. Rowe Price Growth Stock I PRUFX

Artisan International Inv ARTIX T. Rowe Price International Discovery I TIDDX

ICM Small Company ICSCX T. Rowe Price Mid-Cap Value I TRMIX

Disciplined Grow th Investors Mid Cap Grow th1 N/A Templeton Global Bond Adv TGBAX

Dodge & Cox International Stock DODFX Vanguard Federal MMKT2 VMFXX

Dodge & Cox Stock DODGX Vanguard Balanced Index I VBAIX

Vanguard Developing Markets Index Federated Capital Preservation Y1 N/A VTMNX Institutional

Harbor Capital Appreciation I Institutional HACAX Vanguard FTSE Social Index I VFTNX

Invesco Small Cap Grow th R5 GTSVX Vanguard Inflation Protected Secs I VIPIX

Janus Henderson Enterprise I JMGRX Vanguard Institutional Index I VINIX

JPMorgan Emerging Markets Equity R6 JEMWX Vanguard Mid Cap Index I VMCIX

Metropolitan West Total Return Bond I MWTIX Vanguard Small Cap Index I VSCIX

Vanguard Total Bond Market Index I VBTIX

1 Investment available in the 401(k) plan only.

2 Investment available in the 403(b) plans only.

Investing involves risk, including possible loss of principal. Funds that are not mutual funds do not have ticker symbols because they are exempt from SEC registration. TARGET DATE FUND LINEUP:

401(k) PLAN TARGET DATE FUNDS TICKER 403(b) PLAN TARGET DATE FUNDS TICKER

Vanguard Target Retirement 2015 Trust II N/A Vanguard Institutional Target Retirement 2015 VITVX

Vanguard Target Retirement 2020 Trust II N/A Vanguard Institutional Target Retirement 2020 VITWX

Vanguard Target Retirement 2025 Trust II N/A Vanguard Institutional Target Retirement 2025 VRIVX

Vanguard Target Retirement 2030 Trust II N/A Vanguard Institutional Target Retirement 2030 VTTWX

Vanguard Target Retirement 2035 Trust II N/A Vanguard Institutional Target Retirement 2035 VITFX

Vanguard Target Retirement 2040 Trust II N/A Vanguard Institutional Target Retirement 2040 VIRSX

Vanguard Target Retirement 2045 Trust II N/A Vanguard Institutional Target Retirement 2045 VITLX

Vanguard Target Retirement 2050 Trust II N/A Vanguard Institutional Target Retirement 2050 VTRLX

Vanguard Target Retirement 2055 Trust II N/A Vanguard Institutional Target Retirement 2055 VIVLX

Vanguard Target Retirement 2060 Trust II N/A Vanguard Institutional Target Retirement 2060 VILVX

Vanguard Target Retirement 2065 Trust II N/A Vanguard Institutional Target Retirement 2065 VSXFX

Vanguard Target Retirement Inc. Trust II N/A Vanguard Institutional Target Retirement Income VITRX

Schwab Personal Choice Retirement Account® (PCRA) As part of this transition, your self-directed brokerage account (SDBA) will remain at Schwab. You may continue to trade within the PCRA during the transition to Empower. There will be a period of time where you will not be able to access your PCRA. Please review the specific PCRA letter for additional information.

If you would like to open a PCRA for your pan, you may do so once the plan is live the week of January 10, 2021.

The PCRA is intended for knowledgeable investors who acknowledge and understand the risks associated with the investments contained in the PCRA. Important notice concerning your rights in the Essentia Health Retirement Plan 401(k) and Essentia Health 403(b) Plan

Notification date: November 17, 2020 December 23, 2020 This notice is to inform you that your account in the Last day to request transactions from Transamerica Essentia Health Retirement Plan 401(k) and Essentia Health (including enrollment, investment changes, contribution 403(b) Plan will transfer to Empower Retirement effective rate changes, beneficiary updates, loans, withdrawals, and January 4, 2021. submission of any completed paperwork for transactions to be processed as applicable). As a result of this change, you temporarily will be unable to check your account balance and transfer or diversify your Last day to access account information at Transamerica. investments (including investments held within a self- You will have complete access to your account at Empower directed brokerage account) in your plan account or obtain the week of January 10, 2021. withdrawal or distribution. This period during which you will be unable to exercise these rights otherwise available Before the blackout period begins, it is ver y impor tant that under the plan is called a blackout period. Whether or not you review and consider the appropriateness of your you are planning for retirement in the near future, we current investments because you will be unable to transfer encourage you to carefully consider how this blackout or diversify those investments during the blackout period. period may affect your retirement planning, as well as your For your long-term retirement security, you should give overall financial plan. careful consideration to the importance of a well-balanced and diversified investment portfolio, taking into account all The blackout period for the self-directed brokerage begins your assets, income and investments. at 3 p.m. Central time on December 17, 2020. The temporary blackout period for the rest of your account To review your plan account before the blackout period transactions begins at 3 p.m. Central time on December 23, begins, contact Transamerica at 800-755-5801 or access 2020, and ends during the week of January 10, 2021. During your account online at essentiahealth.trsretire.com. If you this period, there will be restrictions on transactions in your have questions concerning this notice, please contact plan account and a period during which you will have no Empower at 833-543-4343. access to your account at all. The important deadlines for Once the blackout period ends, you will have full access to your plan account are noted below. your plan account. If you would like to confirm the status of December 17, 2020 the blackout period, contact Empower at 833-543-4343 Last day to access your self-directed brokerage account. or essentiahealthretirement.com. This means you will not be able to conduct trades between your brokerage account and the your retirement account investment options, open a new self-directed brokerage account and close your current brokerage account.

These dates and times are subject to change. Please contact Empower for more information. Diversification does not ensure a profit or protect against loss. What’s new in your plan

Essentia Health understands your plans are impor tant par t of your long-term financial strateg y. Check out what’s now available to you:

Answers to your financial questions Your plan is par tnering with Empower Retirement to offer you a better approach to financial wellness. My Financial Path can help you take control of your finances and strike a balance between living for today and planning for tomorrow.

My Financial Path can also help you make better sense of your money. Whether you’re new to the workforce, in the middle of your career or getting close to retirement, My Financial Path provides personalized, actionable steps you can take to reduce financial stress and get closer to achieving your goals.

Change to account statements

Please note if you have more than one retirement account sponsored by Essentia Health, you will receive one statement per account once your accounts are with Empower Retirement. Your accounts will no longer be combined into one statement. As a reminder, log onto your account af ter the transition to confirm or elect to receive your statements electronically. Start off on the right foot

Electronic statement election If you have made an electronic statement election with Transamerica, your election will transfer to Empower. If you would like to elect to receive electronic statements and have not already done so, contact Transamerica prior to the start of the transition period on December 23, 2020, or wait until your account is available with Empower the week of January 10, 2021.

Your account statements Transamerica will provide a final statement that reflects the closing of your account in January 2021. Your first statement from Empower, will show you the amount transferred into your new account.

Confirm your beneficiary Your beneficiar y information will be transferred from Transamerica. Empower recommends you take a moment once your account is available after the transition to review and/or update your beneficiary election for your account.

Update your contact info Sign into your account once it is available with Empower and provide your email address so you never miss an account alert.

Not employed at Essentia Health? You’re receiving this announcement because you have a balance in the Essentia Health Retirement Plan 401(k) and/or the Essentia Health 403(b) Plan. And even though you’re not actively contributing to the plan, you can still take advantage of other benefits the plan offers.

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC registered products or disclosure document for unregistered products, if available, containing this information. Read each carefully before investing. If a money market fund is included in your plan’s lineup, you could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your investment at $1 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.

Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Fund changes may alter the risk exposure of an investment account. Some cash-alternative options (other than money market funds), such as guaranteed interest funds or stable value funds, may have withdrawal and transfer restrictions. Carefully consider the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments. Adjustments may be needed to realign the account with its desired investment strategy. Once the transition is complete, please review the information for each fund on the plan website. IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time. My Financial Path includes products made available by Empower Retirement, LLC and third-party providers outside the retirement benefits provided under your plan. Inclusion of a product in My Financial Path is not an endorsement or recommendation of the product by the plan’s sponsor, service providers or fiduciaries. Securities available through Schwab Personal Choice Retirement Account (PCRA) are offered through Charles Schwab & Co., Inc. (Member SIPC), a registered broker-dealer. Additional information can be obtained by calling 888-393-7272. Charles Schwab & Co., Inc. and GWFS Equities, Inc. are separate and unaffiliated. Transamerica is not affiliated with GWFS Equities, Inc. or its parent company or affiliates. ©2020 Empower Retirement, LLC. All rights reserved. 140031-01-FBK-WF-761619-1120 RO1408398-1120

To help you better understand your investment options and other plan information, please see the following enclosures: • Notice for Schwab Personal Choice Retirement Account® (PCRA) holders • Annual Notice: The Essentia Health Retirement Plan (401k) • Notice of Investment Returns & Fee Comparison: 140031-01 Essentia Health Retirement Plan (401k) • Qualified Default Investment Alternative (QDIA) Notice: 140031-01 Essentia Health Retirement Plan (401k) • Notice of Investment Returns & Fee Comparison: 140031-02 Essentia Health 403(b) Plan • Qualified Default Investment Alternative (QDIA) Notice: 140031-02 Essentia Health 403(b) Plan

If you have questions about these materials, please contact us at 833-543-4343. Empower associates are available weekdays from 7 a.m. to 9 p.m. Central time, and Saturdays from 8 a.m. to 4:30 p.m. Central time.

Sincerely,

Empower Retirement

Important information for current Schwab Personal Choice Retirement Account® (PCRA) holders

As communicated, your Essentia Health Retirement plan 401(k) and Essentia Health 403(b) Plan are transitioning to Empower Retirement. As a result, transfers between your Schwab Personal Choice Retirement Account® (PCRA) and the core funds in the Essentia Health Retirement Plan 401(k), Essentia Health 403(b) Plan, and/or the Essentia Health 457(b) Deferred Compensation Plan account will be restricted beginning at 3 p.m. Central time on December 17, 2020 and ending the week of January 10, 2021.

Through your continued use of the PCRA, you agree that you are a knowledgeable investor and understand the fees and risks associated with investments in the PCRA. You are solely responsible for determining those investments which are suitable to you and for any losses to your Plan account. You, on behalf of yourself, your heirs, successors and assigns, will not hold your employer, the PCRA provider or any of your Plan’s service providers liable for any negative consequences resulting from your use of the PCRA.

Core and Transfer Minimums • Once your PCRA is administratively transferred under the new recordkeeping system, you will be required to maintain a minimum balance of $500 in the core funds. • If you wish to make transfers into PCRA from your core funds, an initial transfer minimum of $500 will apply with subsequent transfer minimums of $1. • Monies will be transferred first into the Schwab Bank Sweep for Benefit Plans , the cash feature within your PCRA. You may then access your account to make trades from the monies in your Schwab Bank Sweep for Benefit Plans.

If you have Roth money in your PCRA • A separate Roth PCRA will be established for you during this blackout period. During this blackout period, money will be moved into this separate account and transfers and trades will be prohibited. During this period, you will also see your overall PCRA balance overstated by one business day as the assets are moved from the non-Roth PCRA to the Roth PCRA. • To establish the new Roth PCRA, account assets equal to your Roth balance will be transferred to the new Roth PCRA. o If there is sufficient cash in your PCRA account, cash will be moved to your new Roth PCRA. o If there is not sufficient cash in your PCRA account the transfer will occur in the following order until the Roth PCRA is funded: . Cash . Mutual funds, in alphabetical order by fund name as listed by PCRA . Settled stocks and exchange-traded funds (EFTs), in alphabetical order as listed by PCRA o NOTE: This transfer process may result in a security being split between the Roth and non-Roth PCRAs. • Account preferences such as systematic purchases or dividend elections that you’ve established in your PCRA account will not carry over to your new Roth PCRA. • If you want to have an all-cash transfer to the Roth PCRA, the amount of cash in your PCRA should be equal to or greater than your Roth balance in your PCRA. • You will need to call Schwab at 1-888-393-PCRA (7272) to make sure you have enough cash in your account. If you need to liquidate securities to raise more cash, you will need to place sell orders in your PCRA by 3 p.m. Central time on December 17, 2020.

If you do not want to have a separate Roth PCRA, you may transfer the cash back to the core funds in your Plan’s lineup from the Roth PCRA at Schwab after the blackout period has ended.

Sincerely,

Empower Retirement

Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great‐West Funds, Inc.; and registered investment advisers, Advised Assets Group, LLC and Personal Capital. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Securities available through Schwab Personal Choice Retirement Account (PCRA) are offered through Charles Schwab & Co., Inc. (Member SIPC), a registered broker‐dealer. Additional information can be obtained by calling 888‐393‐7272. Charles Schwab & Co., Inc. and GWFS Equities, Inc. are separate and unaffiliated. ©2020 Empower Retirement, LLC. All rights reserved. 338670‐01‐807382‐1120 RO1409587‐1120

Annual Notice The Essentia Health Retirement Plan (401k) Effective January 1, 2021

The Essentia Health Retirement Plan (401k) (the "Plan") allows both the participants and ESSENTIA HEALTH, Inc. (“ESSENTIA”) to make contributions to the Plan. In order to allow you to make an informed decision on the level of your own contributions, if any, and to meet certain Internal Revenue Code nondiscrimination requirements, ESSENTIA must inform you of the type of contribution it will make to your Plan account. This notice is intended to meet that requirement for the Plan Year ending December 31, 2021.

Employee Contributions As explained more fully in the Summary Plan Description (SPD), if you are not an excluded employee, you are eligible immediately upon hire or if later, the first of the month following the date you turn age 18. If you are already a participant in this plan, you will continue to be a participant in this plan. Once eligible, you may contribute from 1% to 100% of your eligible pay on a before-tax basis or on an after-tax Roth basis. The maximum combined before-tax and after-tax Roth contribution permitted by law is $19,500 for 2021.

If you are age 50 or older, you may be eligible to make additional before-tax or after-tax Roth “catch-up” contributions beyond the limits described above, up to the maximum annual “catch up” contribution amount. The maximum catch-up contribution permitted by law is $6,500 for 2021.

Dollars you save as before tax contributions are excluded from your federal taxable income tax when contributed to the Plan, but these contributions, and the related earnings, are taxable when distributed. After-tax Roth contributions are included in your federal taxable income when contributed to the Plan, but, if you satisfy certain rules, no federal income tax would be owed on the earnings on the after-tax Roth contributions when distributed.

Automatic Enrollment and Automatic Increase Eligible Automatic Contribution Arrangement (EACA) applies to the plan. This type of automatic enrollment allows the plan administrator to automatically enroll eligible participants who have not previously elected to participate in the plan or declined to participate. If you do not affirmatively elect or decline plan participation within 30 days of notification of your eligibility, the plan administrator will automatically enroll you in the plan with a 4% pre-tax contribution rate. You may change or decline these elections at any time. In addition, within the first 90 days after you are automatically enrolled to participate in the Plan, you may elect to have the amount that was automatically contributed to the Plan (adjusted for investment earnings and losses) paid to you. Any amount that you elect to have paid to you within this period will not be eligible for matching contributions. Automatic Increase (AI) provisions applies to the plan. If you are automatically enrolled and contributing less than 10% of pay on a combined before-tax and Roth basis, you will automatically be scheduled for a 1% of pay increase to your contribution annually each January 1, until you reach a 10% of pay contribution rate on a combined before tax and Roth basis, unless you choose to increase or decrease your contribution percentage, or opt out of the Plan (by reducing your contribution percentage to “0”). The 1% of pay increase to your contribution will be done on a before tax basis.

Employer Contributions

As explained more fully in the Summary Plan Description (SPD), if you are not an excluded employee for match and non-elective benefits, you are eligible for match and non-elective benefits, the first of the month following the date you turn age 18 and complete a year of service (12 month period beginning on your date of hire or each anniversary of date of hire during which you worked 1,000 hours of service). If you are already a participant in this plan for match and non-elective benefits, you will continue to be a participant in this plan for match and non-elective benefits

If Match Eligible, ESSENTIA will make matching contributions every pay period and non-elective contributions annually. The matching contribution is 50% of your contribution up to 4% of your eligible compensation. This matching contribution applies whether you save using pre-tax contributions, Roth 401(k) contributions or a combination of both, and is subject to certain IRS limits on contributions.

If Non-Elective Eligible, ESSENTIA may make non-elective contributions annually (determined by ESSENTIA on a discretionary basis each year). For each Plan Year, a non-elective contribution of your eligible compensation will be made if you have worked at least 1,000 hours in that Plan Year and are employed on the last day of the Plan Year. Please see the SPD for any additional eligibility and allocations conditions that may apply in order to be eligible to receive these contributions.

Plan Compensation Your eligible compensation for Plan purposes generally is defined as your compensation that is reported as income on IRS Form W-2. Your eligible compensation also includes amounts you contribute to the Plan and amounts you use to pay for flexible and transit benefits on a pre-tax basis, but will exclude severance payments, payments from nonqualified 457(f) plan, sign-on bonuses, physician stipend compensation, reimbursements or other expense allowances, fringe benefits, moving expenses, deferred compensation, welfare benefits and compensation prior to eligibility. . Your eligible compensation will also include any tax gross-up payments you receive related to these amounts. Tax rules limit the amount of compensation that may be taken into account as plan compensation each year to $280,000 (for 2020). See SPD for additional information.

Rollover Contributions You can roll over to the Plan qualified cash distributions from an eligible retirement plan or IRA. Vesting Provisions Vesting means the portion of your accounts in the Plan that you are entitled to receive if you no longer are employed by ESSENTIA. Your paycheck contributions to the Plan (together with any investment gain or loss) are always fully vested. Contributions made by ESSENTIA that are subject to a vesting schedule are described in the SPD.

You will also be fully vested in your plan accounts when you reach the Plan’s normal retirement age, or if you leave employment due to disability or death. If you leave your employment for any other reason, you will be entitled to receive only the vested portion of the Plan accounts for other types of contributions.

Withdrawal Provisions Even if you are vested in your Plan account, Plan provisions dictate when you may withdraw your funds. These Plan provisions may be important to you in deciding how much, if any, to contribute to the Plan.

In general, amounts accumulated in your Plan account are available after you leave employment with ESSENTIA. Your beneficiary may withdraw any vested amount remaining in your Plan account after you die. You may also withdraw certain vested amounts from specified eligible money sources in your Plan account under the following circumstances (note that additional conditions may need to be satisfied): • when you reach age 59½. • when you reach Age 62 for the Money Purchase Pension account only. • if you have a financial hardship. Hardship withdrawals are only allowed for qualifying reasons. Check your SPD for what is considered a qualifying reason. There may be certain money sources that are available for withdrawal at any time. You can also borrow certain amounts from your vested Plan account.

There is generally a 10% early withdrawal penalty on taxable withdrawals taken before age 59½ unless another exception applies. You can also learn more about taxation and the early withdrawal penalty in the Internal Revenue Service (IRS) Publication 575, “Pension and Annuity Income” or by seeking guidance from a financial expert. Check your SPD for more information on your Plan’s withdrawal provisions.

With the plan transitioning to Empower Retirement it is important that if you want to change the amount of your employee contributions effective with the beginning of the 2021 plan year, you need to make these changes before the blackout period starts December 23, 2020 at 3:00 p.m. Central time with Transamerica at 800-755-5801 or online at essentiahealth.trsretire.com. Otherwise you will have an opportunity to make changes after the blackout period is scheduled to end during the week of January 10, 2021.

If you have additional questions after reading this notice, or need more information about the blackout period, contact the Empower Retirement at 833-543-4343 or online essentiahealthretirement.com.

If there is a conflict between contents of this notice and the Plan Document, the terms of the Plan Document will govern. ESSENTIA reserves the right to amend, modify or terminate the Plan at any time for any reason.

Notice of Investment Returns & Fee Comparison 140031-01 Essentia Health Retirement Plan (401k) essentiahealthretirement.com Your employer-sponsored retirement savings plan allows eligible employees to invest for their retirement. These plans can be valuable in helping participants reach their retirement savings goals. The goal is to build your account through additional contributions and investment returns in your plan. Fees and expenses related to your plan can affect the overall long-term value of your account. The investment options you choose also affect your account. It is important for you to have a clear understanding of the investment options available through your plan and the fees and expenses that are part of your plan. This notice includes information to help you understand plan costs and compare your retirement plan's investment options. It was designed to meet the participant fee disclosure regulations of the United States Department of Labor (DOL). For more information on the plan's investment options including investment objectives or goals, principal strategies and risks, portfolio turnover rate, current returns and expenses, please visit the participant website listed above. This website also includes educational information and tools designed to help you with making investment decisions. Additional information on the plan's investment options is also available on the participant website which may include prospectuses or similar documents, fund reports to the extent applicable, and fund share/unit valuations. Paper copies of the investment related information available on the participant website can be obtained at no cost by contacting Empower Retirement at: Empower Retirement P.O. Box 173764 Denver, CO 80217-3764 Participant Call Center: 1-833-543-4343

SECTION Document Summary Investment Rate of Return and Expense Information - Shows investment return information for 1 your plan's investment options. It shows past performance, investment management expenses and General Administrative Services Expenses. Other Investment-Related Fees, Expense Information and Transfer Restrictions - Shows any 2 fees and expenses that are in addition to the investment management expenses in Section 1. This section also shows any investment restrictions. Plan-Related Information - Shows Plan-Related information and Participant Elected Services 3 Expenses.

1 – Investment Rate of Return and Expense Information

Variable Rate of Return Investments Table This table looks at the rates of return from investments that increase and decrease in value. The table shows how these investments have performed over time. You can compare each investment option to a benchmark. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an investment option’s principal risks is available on the Web site listed above.

Variable Return Investments Averaged Annualized Total Return as of 09/30/2020 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ Asset Allocation 6.78% 0.08%/0.08% The Vanguard Target Retire 2015 N/A 3.52% 4.36% 7.75% 6.15% 7.12% 02/29/2008 Trust II1,2 $67.80 per $.80 per $1,000 $1,000 Gross 6.63% 3.57% 3.27% 7.14% 5.70% 6.85% $66.30 per 02/29/2008 S&P Target Date 2015 TR USD** $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 1 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 7.87% 0.08%/0.08% The Vanguard Target Retire 2020 N/A 4.50% 3.93% 8.58% 6.62% 8.02% 02/29/2008 Trust II1,2 $78.70 per $.80 per $1,000 $1,000 Gross 7.20% 3.74% 2.67% 6.98% 5.77% 7.32% $72.00 per 02/29/2008 S&P Target Date 2020 TR USD** $1,000 8.43% 0.08%/0.08% The Vanguard Target Retire 2025 N/A 5.15% 3.68% 9.15% 6.98% 8.69% 02/29/2008 Trust II1,2 $84.30 per $.80 per $1,000 $1,000 Gross 7.73% 4.39% 2.03% 7.10% 5.97% 7.86% $77.30 per 02/29/2008 S&P Target Date 2025 TR USD** $1,000 8.91% 0.08%/0.08% The Vanguard Target Retire 2030 N/A 5.71% 3.30% 9.49% 7.12% 9.15% 02/29/2008 Trust II1,2 $89.10 per $.80 per $1,000 $1,000 Gross 8.18% 5.02% 1.26% 7.14% 6.10% 8.32% $81.80 per 02/29/2008 S&P Target Date 2030 TR USD** $1,000 9.36% 0.08%/0.08% The Vanguard Target Retire 2035 N/A 6.26% 2.91% 9.80% 7.27% 9.62% 02/29/2008 Trust II1,2 $93.60 per $.80 per $1,000 $1,000 Gross 8.58% 5.70% 0.53% 7.17% 6.19% 8.74% $85.80 per 02/29/2008 S&P Target Date 2035 TR USD** $1,000 9.65% 0.08%/0.08% The Vanguard Target Retire 2040 N/A 6.80% 2.49% 10.10% 7.35% 10.05% 02/29/2008 Trust II1,2 $96.50 per $.80 per $1,000 $1,000 Gross 8.85% 6.14% 0.00% 7.16% 6.26% 9.04% $88.50 per 02/29/2008 S&P Target Date 2040 TR USD** $1,000 9.72% 0.08%/0.08% The Vanguard Target Retire 2045 N/A 7.34% 2.09% 10.30% 7.39% 10.20% 02/29/2008 Trust II1,2 $97.20 per $.80 per $1,000 $1,000 Gross 9.03% 6.44% -0.32% 7.14% 6.26% 9.23% $90.30 per 02/29/2008 S&P Target Date 2045 TR USD** $1,000 9.71% 0.08%/0.08% The Vanguard Target Retire 2050 N/A 7.35% 2.13% 10.35% 7.40% 10.20% 02/29/2008 Trust II1,2 $97.10 per $.80 per $1,000 $1,000 Gross 9.18% 6.53% -0.47% 7.14% 6.27% 9.41% $91.80 per 02/29/2008 S&P Target Date 2050 TR USD** $1,000 9.74% 0.08%/0.08% The Vanguard Target Retire 2055 N/A 7.39% 2.17% 10.40% 7.41% 10.23% 08/31/2010 Trust II1,2 $97.40 per $.80 per $1,000 $1,000 Gross 9.31% 6.62% -0.61% 7.07% 6.26% 9.50% $93.10 per 08/31/2010 S&P Target Date 2055 TR USD** $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 2 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 9.35% 0.08%/0.08% The Vanguard Target Retire 2060 N/A 7.38% 2.21% 10.44% 7.43% 10.22% 03/01/2012 Trust II1,2 $93.50 per $.80 per $1,000 $1,000 Gross 8.92% 6.62% -0.61% 7.07% 6.26% 9.50% $89.20 per 03/01/2012 S&P Target Date 2055 TR USD** $1,000 9.21% 0.08%/0.08% The Vanguard Target Retire 2065 N/A 7.41% 2.20% 10.40% 7.46% N/A 07/17/2017 Trust II1,2 $92.10 per $.80 per $1,000 $1,000 Gross 6.76% 6.62% -0.61% 7.07% 6.26% N/A $67.60 per 07/17/2017 S&P Target Date 2055 TR USD** $1,000 5.46% 0.08%/0.08% The Vanguard Target Retire Incm N/A 3.14% 4.70% 7.48% 5.86% 6.10% 02/29/2008 Trust II1,2 $54.60 per $.80 per $1,000 $1,000 Gross 5.25% S&P Target Date Retirement 2.73% 3.70% 6.86% 5.40% 5.72% $52.50 per 02/29/2008 Income TR USD** $1,000 International 6.79% 0.46%/0.46% 2 American Funds EuroPacific Gr R6 RERGX 9.66% 4.43% 14.97% 5.67% 9.08% $67.90 per 05/01/2009 $4.60 per $1,000 $1,000 Gross 4.62% 4.80% -7.09% 0.49% 0.62% 5.26% $46.20 per 05/01/2009 MSCI EAFE NR USD** $1,000 7.10% 1.19%/1.19% 2 Artisan International Inv ARTIX 7.46% -1.20% 6.52% 5.75% 7.54% $71.00 per 12/28/1995 $11.90 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 12/28/1995 GR USD** $1,000 2.89% 0.63%/0.63% 1,2 Dodge & Cox International Stock DODFX 0.39% -18.11% -9.43% -5.85% 2.21% $28.90 per 05/01/2001 $6.30 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 05/01/2001 GR USD** $1,000 5.25% 0.84%/0.79% JPMorgan Emerging Markets JEMWX 14.12% 10.80% 23.13% 9.82% 14.95% 12/23/2013 Equity R61,2 $52.50 per $8.40 per $1,000 $1,000 Gross 3.15% Morningstar Emerging Markets GR 9.14% -1.62% 9.97% 3.13% 9.15% $31.50 per 12/23/2013 USD** $1,000 10.66% 1.07%/1.07% T. Rowe Price International TIDDX 13.90% 18.34% 31.42% 8.99% 12.98% 12/17/2015 Discovery I1,2 $106.60 $10.70 per per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 12/17/2015 GR USD** $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 3 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 4.98% 0.05%/0.05% Vanguard Developed Markets Idx VTMNX 5.59% -5.75% 2.12% 0.93% 5.80% 01/04/2001 Instl1,2 $49.80 per $.50 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 01/04/2001 GR USD** $1,000 Small Cap 8.41% 0.93%/0.93% 2 ICM Small Company ICSCX 2.08% -20.77% -15.46% -3.80% 5.74% $84.10 per 04/19/1989 $9.30 per $1,000 $1,000 Gross 9.76% Morningstar US Small Cap TR 4.90% -9.97% -2.17% 1.46% 7.29% $97.60 per 04/19/1989 USD** $1,000 14.51% 0.80%/0.80% 1,2 Invesco Small Cap Growth R5 GTSVX 13.79% 20.11% 30.93% 13.45% 14.38% $145.10 03/15/2002 $8.00 per per $1,000 $1,000 Gross 13.39% Morningstar US Small Growth TR 7.35% 12.02% 22.23% 12.35% 13.79% $133.90 03/15/2002 USD** per $1,000 10.96% 0.04%/0.04% 1,2 Vanguard Small Cap Index Instl VSCIX 5.80% -6.28% 1.35% 4.40% 8.96% $109.60 07/07/1997 $.40 per per $1,000 $1,000 Gross 9.76% Morningstar US Small Cap TR 4.90% -9.97% -2.17% 1.46% 7.29% $97.60 per 07/07/1997 USD** $1,000 Mid Cap 12.78% 1.19%/1.19% Disciplined Growth Investors Mid N/A 5.02% -1.56% 9.05% 10.23% 11.93% 01/03/2012 $ per Cap $127.80 11.87 $1,000 Gross per $1,000 * 9.37% 13.92% 23.23% 16.23% 15.53% 01/03/2012 Russell Mid Cap Growth TR USD** 14.25% 0.75%/0.75% 2 Janus Henderson Enterprise I JMGRX 7.13% 0.25% 6.20% 12.34% 14.85% $142.50 07/06/2009 $7.50 per per $1,000 $1,000 Gross 12.26% Morningstar US Mid Core TR 9.11% -3.32% 3.03% 6.51% 9.78% $122.60 07/06/2009 USD** per $1,000 9.18% 0.65%/0.65% 1,2 T. Rowe Price Mid-Cap Value I TRMIX 4.59% -8.66% -1.45% 0.99% 7.07% $91.80 per 08/28/2015 $6.50 per $1,000 $1,000 Gross 9.50% Morningstar US Mid Value TR 4.44% -20.01% -15.40% -1.79% 5.65% $95.00 per 08/28/2015 USD** $1,000 11.98% 0.04%/0.04% 1,2 Vanguard Mid Cap Index Ins VMCIX 7.94% 0.21% 7.10% 7.99% 10.34% $119.80 05/21/1998 $.40 per per $1,000 $1,000 Gross 12.45% Morningstar US Mid Cap TR 7.99% -0.53% 6.37% 8.38% 11.13% $124.50 05/21/1998 USD** per $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 4 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ Large Cap 11.03% 0.52%/0.52% 1,2 Dodge & Cox Stock Fund DODGX 4.28% -11.34% -2.39% 2.84% 9.06% $110.30 01/04/1965 $5.20 per per $1,000 $1,000 Gross 9.43% Morningstar US Large Value TR 2.95% -13.29% -7.14% 3.00% 8.44% $94.30 per 01/04/1965 USD** $1,000 18.21% 0.72%/0.67% 1,2 Harbor Capital Appreciation Instl HACAX 15.83% 37.15% 54.19% 24.71% 21.45% $182.10 12/29/1987 $7.20 per per $1,000 $1,000 Gross 17.79% Morningstar US Large Growth TR 13.83% 27.52% 40.45% 23.51% 20.34% $177.90 12/29/1987 USD** per $1,000 16.88% 0.52%/0.52% 1,2 T. Rowe Price Growth Stock I PRUFX 12.19% 22.37% 34.71% 19.01% 18.60% $168.80 08/28/2015 $5.20 per per $1,000 $1,000 Gross 17.79% Morningstar US Large Growth TR 13.83% 27.52% 40.45% 23.51% 20.34% $177.90 08/28/2015 USD** per $1,000 14.98% 0.12%/0.12% 1,2 Vanguard FTSE Social Index Instl VFTNX 10.59% 9.20% 20.76% 14.73% 15.55% $149.80 01/14/2003 $1.20 per per $1,000 $1,000 Gross 13.28% 8.92% 8.64% 21.17% 14.23% 14.71% $132.80 01/14/2003 FTSE4Good US 100 PR USD** per $1,000 13.71% 0.04%/0.04% 1,2 Vanguard Institutional Index I VINIX 8.92% 5.57% 15.13% 12.25% 14.12% $137.10 07/31/1990 $.35 per per $1,000 $1,000 Gross 14.31% Morningstar US Large Cap TR 10.02% 9.27% 19.77% 14.02% 15.28% $143.10 07/31/1990 USD** per $1,000 Balanced 9.74% 0.06%/0.06% Vanguard Balanced Index Fund - VBAIX 5.75% 6.80% 12.56% 9.54% 10.12% 12/01/2000 Inst'l1,2 $97.40 per $.60 per $1,000 $1,000 Gross 6.03% S&P Target Risk Moderate TR 3.71% 3.75% 7.41% 5.81% 6.78% $60.30 per 12/01/2000 USD** $1,000 Bond 4.60% 0.46%/0.46% Metropolitan West Total Return MWTIX 1.26% 7.82% 8.03% 5.75% 4.45% 03/31/2000 Bond I1,2 $46.00 per $4.60 per $1,000 $1,000 Gross 3.92% Bloomberg Barclays US Universal 0.99% 6.20% 6.68% 5.15% 4.49% $39.20 per 03/31/2000 TR USD** $1,000 2.06% 0.74%/0.67% 1,2 Templeton Global Bond Adv TGBAX -0.60% -4.91% -3.42% -1.50% 1.71% $20.60 per 01/02/1997 $7.40 per $1,000 $1,000 Gross

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 5 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 3.58% Morningstar US Core Bond TR 0.63% 6.78% 6.97% 5.24% 4.15% $35.80 per 01/02/1997 Hedged USD** $1,000 3.48% 0.07%/0.07% Vanguard Inflation-Protected Secs VIPIX 2.98% 9.19% 9.75% 5.64% 4.49% 12/12/2003 I1,2 $34.80 per $.70 per $1,000 $1,000 Gross 3.46% Morningstar US Treasury Inflation- 3.04% 8.98% 9.90% 5.63% 4.48% $34.60 per 12/12/2003 Protec** $1,000 3.60% 0.04%/0.04% Vanguard Total Bond Market Index VBTIX 0.62% 7.02% 7.05% 5.32% 4.21% 09/18/1995 Inst1,2 $36.00 per $.35 per $1,000 $1,000 Gross 3.58% Morningstar US Core Bond TR 0.63% 6.78% 6.97% 5.24% 4.15% $35.80 per 09/18/1995 Hedged USD** $1,000 Stable Value 1.59% 0.43%/0.42% Federated Hermes Capital N/A 0.46% 1.49% 2.05% 1.95% 1.68% 01/21/2011 Preservation Y2 $15.90 per $4.30 per $1,000 $1,000 Gross 0.58% 0.03% 0.46% 0.90% 1.58% 1.12% $5.80 per 01/21/2011 Morningstar Cash TR USD** $1,000

1 Additional information on this Investment Option can be found in Section 2. 2 Investment Funds. The start date may be that of the fund's original share class. If your Plan offers a different share class of the fund with a more current start date, the performance returns have been adjusted to reflect the fees and charges associated with the actual share class. * Performance returns not available at time of production. N/A - Performance returns are not applicable. ~ Gross Total Annual Operating Expenses are the gross fees potentially charged to the investment option and are displayed above in accordance with fee disclosure regulations. The Net Total Annual Operating Expenses, also displayed above as supplementary information, are the actual amounts charged by the investment option and may be different from the Gross Expenses due to certain fee waivers or additional expenses charged by other service providers. Expenses reduce the return of the investment option. Part of these fees may be shared with the plan's service providers to help pay for plan administration and/or recordkeeping fees. Part of these fees may be shared with the plan's service providers and, under an agreement with the applicable plan fiduciaries, may be used to help pay for plan administration and/or recordkeeping fees. The plan's fiduciaries may make changes to the plan's investments at any time subject to applicable notice requirements. Please see the participant website for more information. ** A benchmark index is not actively managed. It does not have a defined investment objective and does not incur fees or expenses. You cannot invest directly in a benchmark index. General Administrative Services Expenses Table This table shows expenses that pay for operating the Plan. These expenses are described below. Fees and expenses for general plan administrative services (for example, recordkeeping services and custodial services) may be charged to the Plan. These fees and expenses may be charged to your individual account to the extent not paid by the Plan Sponsor, deducted from other Plan assets (such as the Plan's forfeiture account) and/or included in investment-related fees and expenses. How the expenses are charged to participant accounts will depend on the nature of the expense. For example, some fees may be charged as a fixed dollar amount per participant or as a percentage amount spread across the account balances, as determined by the Plan Sponsor. The amount of any general plan administrative expenses actually deducted from your account will be reflected on your account statement.

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 6 of 9 General Administrative Services Expenses as of 10/22/2020 Fee Type Annual Quarterly Frequency Description Amount Amount This fee is for costs associated with the plan such as plan underwriting, contribution processing, transaction Participant Account Maintenance $48.00 $12.00 Quarterly processing, company enrollment meetings, and retirement plan education.

This fee is to pay all or some of the plan's expenses Advisory and other Professional such as advisory services, plan audit services, legal Services $9.00 $2.25 Quarterly services, and other such professional services provided to the plan.

2 – Other Investment-Related Fees, Expense Information and Transfer Restrictions

Other Investment-Related Fees, Expense Information and Restrictions This table looks at fees, expenses and transfer restrictions that are in addition to the Investment Expenses in Section 1. Fees and expenses are only one of many things to think about when deciding to invest. You may also want to think about whether an investment in a particular investment option, along with your other investments, will help you reach your financial goals.

Other Investment-Related Fees and Restrictions as of 10/22/2020 Investment Option Transfer Rule Shareholder Type Fees^ The Vanguard Target Retire 2015 Trust II 1 The Vanguard Target Retire 2020 Trust II 1 The Vanguard Target Retire 2025 Trust II 1 The Vanguard Target Retire 2030 Trust II 1 The Vanguard Target Retire 2035 Trust II 1 The Vanguard Target Retire 2040 Trust II 1 The Vanguard Target Retire 2045 Trust II 1 The Vanguard Target Retire 2050 Trust II 1 The Vanguard Target Retire 2055 Trust II 1 The Vanguard Target Retire 2060 Trust II 1 The Vanguard Target Retire 2065 Trust II 1 The Vanguard Target Retire Incm Trust II 1 Dodge & Cox International Stock 4 JPMorgan Emerging Markets Equity R6 1 T. Rowe Price International Discovery I 6 Vanguard Developed Markets Idx Instl 1 Invesco Small Cap Growth R5 2 Vanguard Small Cap Index Instl 1 T. Rowe Price Mid-Cap Value I 6 Vanguard Mid Cap Index Ins 1 Dodge & Cox Stock Fund 4 Harbor Capital Appreciation Instl 5 T. Rowe Price Growth Stock I 6 Vanguard FTSE Social Index Instl 1 Vanguard Institutional Index I 1 Vanguard Balanced Index Fund - Inst'l 1

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 7 of 9 Investment Option Transfer Rule Shareholder Type Fees^ Metropolitan West Total Return Bond I 3 Templeton Global Bond Adv 3 Vanguard Inflation-Protected Secs I 1 Vanguard Total Bond Market Index Inst 1

Rule #1 - Fund company restriction: A transfer into this fund will not be permitted if a prior transfer was made out of this fund in the last 30 days. Rule #2 - Fund company restriction: A transfer of $5000 or more into this fund will not be permitted if a prior transfer of $5000 or more was made out of this fund in the last 30 days. Rule #3 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days. Rule #4 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days. Rule #5 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 60 days. Rule #6 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 90 days. ^ Shareholder/Shareholder-Type Fees are fees paid directly from your investment in this option (e.g., sales loads, sales charges, deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees). Revenue Credit This table shows a list of investments options for which revenue credits are paid by your retirement plan recordkeeper to the Plan and allocated to participants who are invested in these specific investment options. You should review these credit amounts in conjunction with the Investment Related Fees and Expense Information below.

Investment Option Annual Revenue Credit Annual Revenue Credit Rate Dollar Amount Artisan International Inv 0.35% $3.50 per $1,000 Dodge & Cox Stock Fund 0.10% $1.00 per $1,000 Dodge & Cox International Stock 0.10% $1.00 per $1,000 Invesco Small Cap Growth R5 0.10% $1.00 per $1,000 Harbor Capital Appreciation Instl 0.10% $1.00 per $1,000 Janus Henderson Enterprise I 0.10% $1.00 per $1,000 ICM Small Company 0.15% $1.50 per $1,000 Metropolitan West Total Return Bond I 0.10% $1.00 per $1,000 Templeton Global Bond Adv 0.15% $1.50 per $1,000 Revenue credits are allocated to your account at a frequency (i.e. monthly, quarterly, etc.) determined by your plan sponsor. NOTE: More current information about the Plan's investment options, including fees, expenses and performance updates, may be available at your plan's website. 3 – Plan-Related Information Plan-Related Information is an explanation of general plan information. It includes a description of non-investment management fees and expenses that may be charged to your account. This section also includes a list of the Participant Elected Services Expenses. General Information Non-Investment Management Fees and Expenses: Includes recordkeeping, accounting, legal, consulting or other administrative fees that may be charged to your account. The dollar amount actually charged to your account during the previous quarter for such administrative or individual expenses will be reported to you on your quarterly statement. If

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 8 of 9 you have additional questions related to fees on your account, please contact the Voice Response System or your Plan Administrator. Investment Instructions: Your plan lets you direct the investment of your account in the investment options listed in Section 1. You may make changes to your investment options via the plan’s Web site or by calling the Voice Response System. Limitations on Investments: Limits on making changes to your investment choices may be imposed by the Plan Administrator or by a manager of an investment option. Any limits or restrictions made by a fund manager are described in the prospectus for the fund. They include restrictions intended to prevent “market timing” (i.e., rapid trading in and out of a fund). If these restrictions apply then they will be listed in Section 2. In addition to the limits and restrictions described in the prospectus, the Plan Administrator may have other restrictions on making changes to your investment choices. If the Plan Administrator has additional limits, they will be described in a separate document that will be provided to you by your Plan Administrator. Voting, Tender, and Similar Rights: The appropriate Plan fiduciaries, or an individual or an institution designated by the Plan fiduciaries, will exercise any voting or other rights associated with ownership of the Designated Investment Alternatives offered in your Plan. Plan Sponsor intends for this plan to be compliant with section 404(c) of the Employee Retirement Income Security Act, and 29 CFR 2550.404c- 1. Fiduciaries of the Plan may be relieved of liability for any losses which are the direct result of investment instructions given by participants or beneficiaries. Participant Elected Services Expenses Table This table shows expenses for optional services available through your plan. Certain fees may be charged to your individual account for optional services you use.

Participant Elected Services Expenses as of 10/22/2020 Service Fee Amount Frequency Description This fee is for the processing of your loan. This fee is applied each time Loan Origination Fee $75.00 Per Loan you request a loan from your retirement account and is taken from the proceeds prior to distribution. Qualified Domestic Per QDRO fee for processing. This includes QDRO reviews, calculations, Relations Order Processing $300.00 Per Occurrence and distributions. Services ACH Special Handling Automated Clearing House. This fee is for transferring your distribution $15.00 Per Distribution Charge directly into your bank account. EXPRESS Special $25.00 Per Distribution This fee is for sending your distribution via 1- to 2-day express delivery. Handling Charge Brokerage Account This fee is for maintenance of self-directed accounts. This fee applies $15.00 Quarterly Maintenance ONLY if you have a self-directed account. WIRE Special Handling This fee is for sending your distribution to your bank account via $40.00 Per Distribution Charge electronic wire. For further information regarding these potential fees, please contact the Participant Call Center at the number listed on the first page of this document. Fees and expenses do add up and can have a big impact on your retirement savings. Fees and expenses are only two of many other factors to think about when you make investment decisions. You can visit the Department of Labor website for an example showing the long-term effect of fees and expenses - https:// www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-retirement-plan- fees. Visit your plan's website listed in the title for a glossary of investment terms relevant to the investment options under this plan.

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 673618906 EV ID: IND ID: Page 9 of 9 Qualified Default Investment Alternative 140031-01 Essentia Health Retirement Plan (401k) empowermyretirement.com This Qualified Default Investment Alternative (QDIA) notice gives you important investment information related to your account under the Essentia Health Retirement Plan (401k) (the Plan). You should read this notice very carefully to understand how your Plan account assets will be invested if you do not make an investment election for all or any portion of your account. The Plan lets you invest your account in a number of different investment funds. Unless you choose investment fund(s), your Plan account will be invested in the following investment fund(s): Investment Fund: Birth Year The Vanguard Target Retire Incm Trust II 1900 to 1947 The Vanguard Target Retire 2015 Trust II 1948 to 1952 The Vanguard Target Retire 2020 Trust II 1953 to 1957 The Vanguard Target Retire 2025 Trust II 1958 to 1962 The Vanguard Target Retire 2030 Trust II 1963 to 1967 The Vanguard Target Retire 2035 Trust II 1968 to 1972 The Vanguard Target Retire 2040 Trust II 1973 to 1977 The Vanguard Target Retire 2045 Trust II 1978 to 1982 The Vanguard Target Retire 2050 Trust II 1983 to 1987 The Vanguard Target Retire 2055 Trust II 1988 to 1992 The Vanguard Target Retire 2060 Trust II 1993 to 1997 The Vanguard Target Retire 2065 Trust II 1998 or later

The Vanguard Target Investment Objective & Strategy Retire 2015 Trust II Vanguard Target Retirement 2015 Trust uses an asset allocation strategy designed for investors planning to retire between 2013 and 2017. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, Short-Term Inflation-Protected Securities Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some risk Gross: 0.08% to achieve higher potential returns but also seeking income as a secondary objective. Net: 0.08% The investor may be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 1 of 6 The Vanguard Target Investment Objective & Strategy Retire 2020 Trust II Vanguard Target Retirement 2020 Trust Plus an asset allocation strategy designed for investors planning to retire between 2018 and 2022. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Short-Term Inflation-Protected Securities Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some Gross: 0.08% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.08% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2025 Trust II Vanguard Target Retirement 2025 Trust uses an asset allocation strategy designed for investors planning to retire between 2023 and 2027. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some Gross: 0.08% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.08% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2030 Trust II Vanguard Target Retirement 2030 Trust uses an asset allocation strategy designed for investors planning to retire between 2028 and 2032. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to balance the Gross: 0.08% risk of principal fluctuation with the potential for greater capital growth over time. The Net: 0.08% investor may have a medium investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 2 of 6 The Vanguard Target Investment Objective & Strategy Retire 2035 Trust II Vanguard Target Retirement 2035 Trust Plus an asset allocation strategy designed for investors planning to retire between 2033 and 2037. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to balance the Gross: 0.08% risk of principal fluctuation with the potential for greater capital growth over time. Net: 0.08% The investor may have a medium investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2040 Trust II Vanguard Target Retirement 2040 Trust uses an asset allocation strategy designed for investors planning to retire between 2038 and 2042. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.08% for capital growth and willing to accept a greater degree of risk. The investor may Net: 0.08% have a medium to long investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2045 Trust II Vanguard Target Retirement 2045 Trust uses an asset allocation strategy designed for investors planning to retire between 2043 and 2047. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority for Gross: 0.08% capital growth and willing to accept a greater degree of risk. The investor is comfortable Net: 0.08% with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 3 of 6 The Vanguard Target Investment Objective & Strategy Retire 2050 Trust II Vanguard Target Retirement 2050 Trust uses an asset allocation strategy designed for investors planning to retire between 2048 and 2052. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone seeking capital Gross: 0.08% growth and willing to accept a greater degree of risk. The investor may have a Net: 0.08% long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2055 Trust II Vanguard Target Retirement 2055 Trust uses an asset allocation strategy designed for investors planning to retire between 2053 and 2057. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.08% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.08% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire 2060 Trust II Vanguard Target Retirement 2060 Trust uses an asset allocation strategy designed for investors planning to retire between 2058 and 2062. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.08% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.08% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 4 of 6 The Vanguard Target Investment Objective & Strategy Retire 2065 Trust II Vanguard Target Retirement 2065 Trust uses an asset allocation strategy designed for investors planning to retire between 2063 and 2067. The trust seeks to provide growth of capital and current income consistent with its current target allocation by investing in a gradually more conservative mix of the following Vanguard funds: Total Stock Market Index Fund, Total Bond Market II Index Fund, Total International Bond Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.08% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.08% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. The Vanguard Target Investment Objective & Strategy Retire Incm Trust II Vanguard Target Retirement Income Trust uses an asset allocation strategy designed for investors currently in retirement. The trust seeks to provide current income and some capital appreciation by investing in a mix of the following five Vanguard funds: Total Bond Market II Index Fund, Total Stock Market Index Fund, Total International Bond Index Fund, Short-Term Inflation-Protected Securities Index Fund, and Total International Stock Index Fund. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone whose highest priority Gross: 0.08% is principal security and is willing to accept lower potential return. The investor may Net: 0.08% be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. If you do not direct the investment of your account, your account will be invested in a Plan QDIA as determined by the Plan Administrator or other designated Plan investment fiduciary. Participant accounts are directed into a Plan QDIA based on information reflected in the Plan's records, including, but are not limited to, anticipated retirement date, date of birth initially received at the time of default and/or risk profile, as applicable. Should you have further questions regarding the QDIA investment fund selection process, please contact your Plan Administrator. More detailed information about the investment funds may be available in the prospectus, if applicable, which you can get by logging onto the Plan web site. In addition, you can find out more about the Plan in other documents, including the Plan's Summary Plan Description (SPD) and any Summary of Material Modifications (SMM). You can change how your Plan account is invested, among the Plan's offered investment funds, by either: • logging onto the web site empowermyretirement.com and following the online instructions, or • by accessing your account using the automated phone system 1-833-543-4343. To learn more about the Plan's investment funds and procedures for changing how your Plan account is invested you can call 1-833-543-4343 or visit empowermyretirement.com. Also, you can contact your employer's Plan Administrator. Please consider the investment objectives, risks, fees and expenses carefully before investing. The prospectus contains this and other information about the investment options. Depending on the investment options offered in your plan, your registered representative can provide you with prospectuses for any mutual funds; any applicable annuity contracts and the annuity's underlying funds; and/or disclosure documents for investment options exempt from SEC registration. Please read them carefully before investing. Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by their respective owners and are used by permission.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 5 of 6 Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. Not a Deposit. Not FDIC Insured. Not Bank Guaranteed. Funds May Lose Value. Not Insured by Any Federal Government Agency. Although data is gathered from reliable sources, including but not limited to Morningstar, Inc., the completeness or accuracy of the data shown cannot be guaranteed. Where data obtained from Morningstar, ©2018 Morningstar, Inc. All rights reserved. The data: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. ©2019 Great-West Life & Annuity Insurance Company. All rights reserved. RO719444-0219

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101053 EV ID: IND ID: Page 6 of 6 Notice of Investment Returns & Fee Comparison 140031-02 Essentia Health 403(b) Plan essentiahealthretirement.com Your employer-sponsored retirement savings plan allows eligible employees to invest for their retirement. These plans can be valuable in helping participants reach their retirement savings goals. The goal is to build your account through additional contributions and investment returns in your plan. Fees and expenses related to your plan can affect the overall long-term value of your account. The investment options you choose also affect your account. It is important for you to have a clear understanding of the investment options available through your plan and the fees and expenses that are part of your plan. This notice includes information to help you understand plan costs and compare your retirement plan's investment options. It was designed to meet the participant fee disclosure regulations of the United States Department of Labor (DOL). For more information on the plan's investment options including investment objectives or goals, principal strategies and risks, portfolio turnover rate, current returns and expenses, please visit the participant website listed above. This website also includes educational information and tools designed to help you with making investment decisions. Additional information on the plan's investment options is also available on the participant website which may include prospectuses or similar documents, fund reports to the extent applicable, and fund share/unit valuations. Paper copies of the investment related information available on the participant website can be obtained at no cost by contacting Empower Retirement at: Empower Retirement P.O. Box 173764 Denver, CO 80217-3764 Participant Call Center: 1-833-543-4343

SECTION Document Summary Investment Rate of Return and Expense Information - Shows investment return information for 1 your plan's investment options. It shows past performance, investment management expenses and General Administrative Services Expenses. Other Investment-Related Fees, Expense Information and Transfer Restrictions - Shows any 2 fees and expenses that are in addition to the investment management expenses in Section 1. This section also shows any investment restrictions. Plan-Related Information - Shows Plan-Related information and Participant Elected Services 3 Expenses.

1 – Investment Rate of Return and Expense Information

Variable Rate of Return Investments Table This table looks at the rates of return from investments that increase and decrease in value. The table shows how these investments have performed over time. You can compare each investment option to a benchmark. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an investment option’s principal risks is available on the Web site listed above.

Variable Return Investments Averaged Annualized Total Return as of 09/30/2020 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ Asset Allocation 5.29% 0.09%/0.09% Vanguard Target Retirement Inc VITRX 3.08% 4.74% 7.52% 5.85% 6.10% 06/26/2015 Instl1,2 $52.90 per $.90 per $1,000 $1,000 Gross * S&P Target Date Retirement 2.73% 3.70% 6.86% 5.40% 5.72% 06/26/2015 Income TR USD**

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 1 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 5.77% 0.09%/0.09% Vanguard Instl Trgt Retire 2015 VITVX 3.45% 4.35% 7.77% 6.14% 7.11% 06/26/2015 Instl1,2 $57.70 per $.90 per $1,000 $1,000 Gross * 3.57% 3.27% 7.14% 5.70% 6.85% 06/26/2015 S&P Target Date 2015 TR USD** 6.38% 0.09%/0.09% Vanguard Instl Trgt Retire 2020 VITWX 4.46% 3.90% 8.55% 6.59% 8.01% 06/26/2015 Instl1,2 $63.80 per $.90 per $1,000 $1,000 Gross * 3.74% 2.67% 6.98% 5.77% 7.32% 06/26/2015 S&P Target Date 2020 TR USD** 6.78% 0.09%/0.09% Vanguard Instl Trgt Retire 2025 VRIVX 5.17% 3.64% 9.08% 6.94% 8.66% 06/26/2015 Instl1,2 $67.80 per $.90 per $1,000 $1,000 Gross * 4.39% 2.03% 7.10% 5.97% 7.86% 06/26/2015 S&P Target Date 2025 TR USD** 7.00% 0.09%/0.09% Vanguard Instl Trgt Retire 2030 VTTWX 5.71% 3.22% 9.43% 7.08% 9.13% 06/26/2015 Instl1,2 $70.00 per $.90 per $1,000 $1,000 Gross * 5.02% 1.26% 7.14% 6.10% 8.32% 06/26/2015 S&P Target Date 2030 TR USD** 7.22% 0.09%/0.09% Vanguard Instl Trgt Retire 2035 VITFX 6.24% 2.82% 9.70% 7.19% 9.58% 06/26/2015 Instl1,2 $72.20 per $.90 per $1,000 $1,000 Gross * 5.70% 0.53% 7.17% 6.19% 8.74% 06/26/2015 S&P Target Date 2035 TR USD** 7.39% 0.09%/0.09% Vanguard Instl Trgt Retire 2040 VIRSX 6.77% 2.36% 9.93% 7.27% 10.00% 06/26/2015 Instl1,2 $73.90 per $.90 per $1,000 $1,000 Gross * 6.14% 0.00% 7.16% 6.26% 9.04% 06/26/2015 S&P Target Date 2040 TR USD** 7.53% 0.09%/0.09% Vanguard Instl Trgt Retire 2045 VITLX 7.32% 1.99% 10.17% 7.34% 10.16% 06/26/2015 Instl1,2 $75.30 per $.90 per $1,000 $1,000 Gross * 6.44% -0.32% 7.14% 6.26% 9.23% 06/26/2015 S&P Target Date 2045 TR USD** 7.53% 0.09%/0.09% Vanguard Instl Trgt Retire 2050 VTRLX 7.34% 2.02% 10.21% 7.33% 10.16% 06/26/2015 Instl1,2 $75.30 per $.90 per $1,000 $1,000 Gross * 6.53% -0.47% 7.14% 6.27% 9.41% 06/26/2015 S&P Target Date 2050 TR USD** 7.55% 0.09%/0.09% Vanguard Instl Trgt Retire 2055 VIVLX 7.35% 2.05% 10.24% 7.35% 10.17% 06/26/2015 Instl1,2 $75.50 per $.90 per $1,000 $1,000 Gross 7.00% 6.62% -0.61% 7.07% 6.26% 9.50% $70.00 per 06/26/2015 S&P Target Date 2055 TR USD** $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 2 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 7.54% 0.09%/0.09% Vanguard Instl Trgt Retire 2060 VILVX 7.38% 2.09% 10.30% 7.36% 10.17% 06/26/2015 Instl1,2 $75.40 per $.90 per $1,000 $1,000 Gross 7.00% 6.62% -0.61% 7.07% 6.26% 9.50% $70.00 per 06/26/2015 S&P Target Date 2055 TR USD** $1,000 8.13% 0.09%/0.09% Vanguard Instl Trgt Retire 2065 VSXFX 7.38% 1.91% 10.06% 7.34% N/A 07/12/2017 Instl1,2 $81.30 per $.90 per $1,000 $1,000 Gross 7.01% 6.62% -0.61% 7.07% 6.26% N/A $70.10 per 07/12/2017 S&P Target Date 2055 TR USD** $1,000 International 6.79% 0.46%/0.46% 2 American Funds EuroPacific Gr R6 RERGX 9.66% 4.43% 14.97% 5.67% 9.08% $67.90 per 05/01/2009 $4.60 per $1,000 $1,000 Gross 4.62% 4.80% -7.09% 0.49% 0.62% 5.26% $46.20 per 05/01/2009 MSCI EAFE NR USD** $1,000 7.10% 1.19%/1.19% 2 Artisan International Inv ARTIX 7.46% -1.20% 6.52% 5.75% 7.54% $71.00 per 12/28/1995 $11.90 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 12/28/1995 GR USD** $1,000 2.89% 0.63%/0.63% 1,2 Dodge & Cox International Stock DODFX 0.39% -18.11% -9.43% -5.85% 2.21% $28.90 per 05/01/2001 $6.30 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 05/01/2001 GR USD** $1,000 5.25% 0.84%/0.79% JPMorgan Emerging Markets JEMWX 14.12% 10.80% 23.13% 9.82% 14.95% 12/23/2013 Equity R61,2 $52.50 per $8.40 per $1,000 $1,000 Gross 3.15% Morningstar Emerging Markets GR 9.14% -1.62% 9.97% 3.13% 9.15% $31.50 per 12/23/2013 USD** $1,000 10.66% 1.07%/1.07% T. Rowe Price International TIDDX 13.90% 18.34% 31.42% 8.99% 12.98% 12/17/2015 Discovery I1,2 $106.60 $10.70 per per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 12/17/2015 GR USD** $1,000 4.98% 0.05%/0.05% Vanguard Developed Markets Idx VTMNX 5.59% -5.75% 2.12% 0.93% 5.80% 01/04/2001 Instl1,2 $49.80 per $.50 per $1,000 $1,000 Gross 5.07% Morningstar Global Markets ex-US 6.76% -4.85% 3.96% 1.86% 7.32% $50.70 per 01/04/2001 GR USD** $1,000

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 3 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ Small Cap 8.41% 0.93%/0.93% 2 ICM Small Company ICSCX 2.08% -20.77% -15.46% -3.80% 5.74% $84.10 per 04/19/1989 $9.30 per $1,000 $1,000 Gross 9.76% Morningstar US Small Cap TR 4.90% -9.97% -2.17% 1.46% 7.29% $97.60 per 04/19/1989 USD** $1,000 14.51% 0.80%/0.80% 1,2 Invesco Small Cap Growth R5 GTSVX 13.79% 20.11% 30.93% 13.45% 14.38% $145.10 03/15/2002 $8.00 per per $1,000 $1,000 Gross 13.39% Morningstar US Small Growth TR 7.35% 12.02% 22.23% 12.35% 13.79% $133.90 03/15/2002 USD** per $1,000 10.96% 0.04%/0.04% 1,2 Vanguard Small Cap Index Instl VSCIX 5.80% -6.28% 1.35% 4.40% 8.96% $109.60 07/07/1997 $.40 per per $1,000 $1,000 Gross 9.76% Morningstar US Small Cap TR 4.90% -9.97% -2.17% 1.46% 7.29% $97.60 per 07/07/1997 USD** $1,000 Mid Cap 14.25% 0.75%/0.75% 2 Janus Henderson Enterprise I JMGRX 7.13% 0.25% 6.20% 12.34% 14.85% $142.50 07/06/2009 $7.50 per per $1,000 $1,000 Gross 12.26% Morningstar US Mid Core TR 9.11% -3.32% 3.03% 6.51% 9.78% $122.60 07/06/2009 USD** per $1,000 9.18% 0.65%/0.65% 1,2 T. Rowe Price Mid-Cap Value I TRMIX 4.59% -8.66% -1.45% 0.99% 7.07% $91.80 per 08/28/2015 $6.50 per $1,000 $1,000 Gross 9.50% Morningstar US Mid Value TR 4.44% -20.01% -15.40% -1.79% 5.65% $95.00 per 08/28/2015 USD** $1,000 11.98% 0.04%/0.04% 1,2 Vanguard Mid Cap Index Ins VMCIX 7.94% 0.21% 7.10% 7.99% 10.34% $119.80 05/21/1998 $.40 per per $1,000 $1,000 Gross 12.45% Morningstar US Mid Cap TR 7.99% -0.53% 6.37% 8.38% 11.13% $124.50 05/21/1998 USD** per $1,000 Large Cap 11.03% 0.52%/0.52% 1,2 Dodge & Cox Stock Fund DODGX 4.28% -11.34% -2.39% 2.84% 9.06% $110.30 01/04/1965 $5.20 per per $1,000 $1,000 Gross 9.43% Morningstar US Large Value TR 2.95% -13.29% -7.14% 3.00% 8.44% $94.30 per 01/04/1965 USD** $1,000 18.21% 0.72%/0.67% 1,2 Harbor Capital Appreciation Instl HACAX 15.83% 37.15% 54.19% 24.71% 21.45% $182.10 12/29/1987 $7.20 per per $1,000 $1,000 Gross

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 4 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 17.79% Morningstar US Large Growth TR 13.83% 27.52% 40.45% 23.51% 20.34% $177.90 12/29/1987 USD** per $1,000 16.88% 0.52%/0.52% 1,2 T. Rowe Price Growth Stock I PRUFX 12.19% 22.37% 34.71% 19.01% 18.60% $168.80 08/28/2015 $5.20 per per $1,000 $1,000 Gross 17.79% Morningstar US Large Growth TR 13.83% 27.52% 40.45% 23.51% 20.34% $177.90 08/28/2015 USD** per $1,000 14.98% 0.12%/0.12% 1,2 Vanguard FTSE Social Index Instl VFTNX 10.59% 9.20% 20.76% 14.73% 15.55% $149.80 01/14/2003 $1.20 per per $1,000 $1,000 Gross 13.28% 8.92% 8.64% 21.17% 14.23% 14.71% $132.80 01/14/2003 FTSE4Good US 100 PR USD** per $1,000 13.71% 0.04%/0.04% 1,2 Vanguard Institutional Index I VINIX 8.92% 5.57% 15.13% 12.25% 14.12% $137.10 07/31/1990 $.35 per per $1,000 $1,000 Gross 14.31% Morningstar US Large Cap TR 10.02% 9.27% 19.77% 14.02% 15.28% $143.10 07/31/1990 USD** per $1,000 Balanced 9.74% 0.06%/0.06% Vanguard Balanced Index Fund - VBAIX 5.75% 6.80% 12.56% 9.54% 10.12% 12/01/2000 Inst'l1,2 $97.40 per $.60 per $1,000 $1,000 Gross 6.03% S&P Target Risk Moderate TR 3.71% 3.75% 7.41% 5.81% 6.78% $60.30 per 12/01/2000 USD** $1,000 Bond 4.60% 0.46%/0.46% Metropolitan West Total Return MWTIX 1.26% 7.82% 8.03% 5.75% 4.45% 03/31/2000 Bond I1,2 $46.00 per $4.60 per $1,000 $1,000 Gross 3.92% Bloomberg Barclays US Universal 0.99% 6.20% 6.68% 5.15% 4.49% $39.20 per 03/31/2000 TR USD** $1,000 2.06% 0.74%/0.67% 1,2 Templeton Global Bond Adv TGBAX -0.60% -4.91% -3.42% -1.50% 1.71% $20.60 per 01/02/1997 $7.40 per $1,000 $1,000 Gross 3.58% Morningstar US Core Bond TR 0.63% 6.78% 6.97% 5.24% 4.15% $35.80 per 01/02/1997 Hedged USD** $1,000 3.48% 0.07%/0.07% Vanguard Inflation-Protected Secs VIPIX 2.98% 9.19% 9.75% 5.64% 4.49% 12/12/2003 I1,2 $34.80 per $.70 per $1,000 $1,000 Gross 3.46% Morningstar US Treasury Inflation- 3.04% 8.98% 9.90% 5.63% 4.48% $34.60 per 12/12/2003 Protec** $1,000 3.60% 0.04%/0.04% Vanguard Total Bond Market Index VBTIX 0.62% 7.02% 7.05% 5.32% 4.21% 09/18/1995 Inst1,2 $36.00 per $.35 per $1,000 $1,000 Gross

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 5 of 9 Gross/Net Since Start Investment Option Ticker 3 mos YTD 1 year 3 year 5 year Start Date Investment Date/10yr Expenses~ 3.58% Morningstar US Core Bond TR 0.63% 6.78% 6.97% 5.24% 4.15% $35.80 per 09/18/1995 Hedged USD** $1,000 Money Market 0.55% 0.11%/0.11% Vanguard Federal Money Market VMFXX 0.02% 0.44% 0.87% 1.54% 1.10% 07/13/1981 Inv2 $5.50 per $1.10 per $1,000 $1,000 Gross 0.61% USTREAS Treasury Bill Auction 0.03% 0.36% 0.77% 1.62% 1.17% $6.10 per 07/13/1981 Average 3 ** $1,000

1 Additional information on this Investment Option can be found in Section 2. 2 Investment Funds. The start date may be that of the fund's original share class. If your Plan offers a different share class of the fund with a more current start date, the performance returns have been adjusted to reflect the fees and charges associated with the actual share class. * Performance returns not available at time of production. N/A - Performance returns are not applicable. ~ Gross Total Annual Operating Expenses are the gross fees potentially charged to the investment option and are displayed above in accordance with fee disclosure regulations. The Net Total Annual Operating Expenses, also displayed above as supplementary information, are the actual amounts charged by the investment option and may be different from the Gross Expenses due to certain fee waivers or additional expenses charged by other service providers. Expenses reduce the return of the investment option. Part of these fees may be shared with the plan's service providers to help pay for plan administration and/or recordkeeping fees. Part of these fees may be shared with the plan's service providers and, under an agreement with the applicable plan fiduciaries, may be used to help pay for plan administration and/or recordkeeping fees. The plan's fiduciaries may make changes to the plan's investments at any time subject to applicable notice requirements. Please see the participant website for more information. ** A benchmark index is not actively managed. It does not have a defined investment objective and does not incur fees or expenses. You cannot invest directly in a benchmark index. General Administrative Services Expenses Table This table shows expenses that pay for operating the Plan. These expenses are described below. Fees and expenses for general plan administrative services (for example, recordkeeping services and custodial services) may be charged to the Plan. These fees and expenses may be charged to your individual account to the extent not paid by the Plan Sponsor, deducted from other Plan assets (such as the Plan's forfeiture account) and/or included in investment-related fees and expenses. How the expenses are charged to participant accounts will depend on the nature of the expense. For example, some fees may be charged as a fixed dollar amount per participant or as a percentage amount spread across the account balances, as determined by the Plan Sponsor. The amount of any general plan administrative expenses actually deducted from your account will be reflected on your account statement.

General Administrative Services Expenses as of 10/27/2020 Fee Type Annual Quarterly Frequency Description Amount Amount This fee is for costs associated with the plan such as plan underwriting, contribution processing, transaction Participant Account Maintenance $48.00 $12.00 Quarterly processing, company enrollment meetings, and retirement plan education. This fee is to pay all or some of the plan's expenses such as advisory services, plan audit services, legal Advisory and other Professional $14.00 $3.50 Quarterly services, and other such professional services Services provided to the plan.

2 – Other Investment-Related Fees, Expense Information and Transfer Restrictions

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 6 of 9 Other Investment-Related Fees, Expense Information and Restrictions This table looks at fees, expenses and transfer restrictions that are in addition to the Investment Expenses in Section 1. Fees and expenses are only one of many things to think about when deciding to invest. You may also want to think about whether an investment in a particular investment option, along with your other investments, will help you reach your financial goals.

Other Investment-Related Fees and Restrictions as of 10/27/2020 Investment Option Transfer Rule Shareholder Type Fees^ Vanguard Target Retirement Inc Instl 1 Vanguard Instl Trgt Retire 2015 Instl 1 Vanguard Instl Trgt Retire 2020 Instl 1 Vanguard Instl Trgt Retire 2025 Instl 1 Vanguard Instl Trgt Retire 2030 Instl 1 Vanguard Instl Trgt Retire 2035 Instl 1 Vanguard Instl Trgt Retire 2040 Instl 1 Vanguard Instl Trgt Retire 2045 Instl 1 Vanguard Instl Trgt Retire 2050 Instl 1 Vanguard Instl Trgt Retire 2055 Instl 1 Vanguard Instl Trgt Retire 2060 Instl 1 Vanguard Instl Trgt Retire 2065 Instl 1 Dodge & Cox International Stock 4 JPMorgan Emerging Markets Equity R6 1 T. Rowe Price International Discovery I 6 Vanguard Developed Markets Idx Instl 1 Invesco Small Cap Growth R5 2 Vanguard Small Cap Index Instl 1 T. Rowe Price Mid-Cap Value I 6 Vanguard Mid Cap Index Ins 1 Dodge & Cox Stock Fund 4 Harbor Capital Appreciation Instl 5 T. Rowe Price Growth Stock I 6 Vanguard FTSE Social Index Instl 1 Vanguard Institutional Index I 1 Vanguard Balanced Index Fund - Inst'l 1 Metropolitan West Total Return Bond I 3 Templeton Global Bond Adv 3 Vanguard Inflation-Protected Secs I 1 Vanguard Total Bond Market Index Inst 1

Rule #1 - Fund company restriction: A transfer into this fund will not be permitted if a prior transfer was made out of this fund in the last 30 days. Rule #2 - Fund company restriction: A transfer of $5000 or more into this fund will not be permitted if a prior transfer of $5000 or more was made out of this fund in the last 30 days. Rule #3 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days. Rule #4 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 30 days.

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 7 of 9 Rule #5 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 60 days. Rule #6 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have been processed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previous warnings, you may be restricted from transferring money into this fund for 90 days. ^ Shareholder/Shareholder-Type Fees are fees paid directly from your investment in this option (e.g., sales loads, sales charges, deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees). Revenue Credit For certain investment options, revenue credits are paid by your retirement plan recordkeeper to the Plan and allocated to participants who are investing in the specific investment options. Revenue credits are allocated to your account at a frequency (i.e. monthly, quarterly, etc.) determined by your plan sponsor. NOTE: More current information about the Plan's investment options, including fees, expenses and performance updates, may be available at your plan's website. 3 – Plan-Related Information Plan-Related Information is an explanation of general plan information. It includes a description of non-investment management fees and expenses that may be charged to your account. This section also includes a list of the Participant Elected Services Expenses. General Information Non-Investment Management Fees and Expenses: Includes recordkeeping, accounting, legal, consulting or other administrative fees that may be charged to your account. The dollar amount actually charged to your account during the previous quarter for such administrative or individual expenses will be reported to you on your quarterly statement. If you have additional questions related to fees on your account, please contact the Voice Response System or your Plan Administrator. Investment Instructions: Your plan lets you direct the investment of your account in the investment options listed in Section 1. You may make changes to your investment options via the plan’s Web site or by calling the Voice Response System. Limitations on Investments: Limits on making changes to your investment choices may be imposed by the Plan Administrator or by a manager of an investment option. Any limits or restrictions made by a fund manager are described in the prospectus for the fund. They include restrictions intended to prevent “market timing” (i.e., rapid trading in and out of a fund). If these restrictions apply then they will be listed in Section 2. In addition to the limits and restrictions described in the prospectus, the Plan Administrator may have other restrictions on making changes to your investment choices. If the Plan Administrator has additional limits, they will be described in a separate document that will be provided to you by your Plan Administrator. Voting, Tender, and Similar Rights: Certain investments in your account may give you the opportunity to vote on proposals or tender offers. If and when such opportunities happen, you will receive a notice with the instructions on how to vote on the proposals and take advantage of what is being offered as applicable. Your elections and information regarding the investments in your account are kept confidential and will not be revealed except as required by law. Plan Sponsor intends for this plan to be compliant with section 404(c) of the Employee Retirement Income Security Act, and 29 CFR 2550.404c- 1. Fiduciaries of the Plan may be relieved of liability for any losses which are the direct result of investment instructions given by participants or beneficiaries. Participant Elected Services Expenses Table This table shows expenses for optional services available through your plan. Certain fees may be charged to your individual account for optional services you use.

Participant Elected Services Expenses as of 10/27/2020 Service Fee Amount Frequency Description This fee is for the processing of your loan. This fee is applied each time Loan Origination Fee $75.00 Per Loan you request a loan from your retirement account and is taken from the proceeds prior to distribution. Qualified Domestic Per QDRO fee for processing. This includes QDRO reviews, calculations, Relations Order Processing $300.00 Per Occurrence and distributions. Services

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 8 of 9 Service Fee Amount Frequency Description ACH Special Handling Automated Clearing House. This fee is for transferring your distribution $15.00 Per Distribution Charge directly into your bank account. EXPRESS Special $25.00 Per Distribution This fee is for sending your distribution via 1- to 2-day express delivery. Handling Charge Brokerage Account This fee is for maintenance of self-directed accounts. This fee applies $15.00 Quarterly Maintenance ONLY if you have a self-directed account. WIRE Special Handling This fee is for sending your distribution to your bank account via $40.00 Per Distribution Charge electronic wire. For further information regarding these potential fees, please contact the Participant Call Center at the number listed on the first page of this document. Fees and expenses do add up and can have a big impact on your retirement savings. Fees and expenses are only two of many other factors to think about when you make investment decisions. You can visit the Department of Labor website for an example showing the long-term effect of fees and expenses - https:// www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/understanding-your-retirement-plan- fees. Visit your plan's website listed in the title for a glossary of investment terms relevant to the investment options under this plan.

DOC_TYPE: FEEDSP_STD 01:060716 PNP GP22 DOC ID: 674301274 EV ID: IND ID: Page 9 of 9 Qualified Default Investment Alternative 140031-02 Essentia Health 403(b) Plan empowermyretirement.com This Qualified Default Investment Alternative (QDIA) notice gives you important investment information related to your account under the Essentia Health 403(b) Plan (the Plan). You should read this notice very carefully to understand how your Plan account assets will be invested if you do not make an investment election for all or any portion of your account. The Plan lets you invest your account in a number of different investment funds. Unless you choose investment fund(s), your Plan account will be invested in the following investment fund(s): Investment Fund: Birth Year Vanguard Target Retirement Inc Instl 1900 to 1947 Vanguard Instl Trgt Retire 2015 Instl 1948 to 1952 Vanguard Instl Trgt Retire 2020 Instl 1953 to 1957 Vanguard Instl Trgt Retire 2025 Instl 1958 to 1962 Vanguard Instl Trgt Retire 2030 Instl 1963 to 1967 Vanguard Instl Trgt Retire 2035 Instl 1968 to 1972 Vanguard Instl Trgt Retire 2040 Instl 1973 to 1977 Vanguard Instl Trgt Retire 2045 Instl 1978 to 1982 Vanguard Instl Trgt Retire 2050 Instl 1983 to 1987 Vanguard Instl Trgt Retire 2055 Instl 1988 to 1992 Vanguard Instl Trgt Retire 2060 Instl 1993 to 1997 Vanguard Instl Trgt Retire 2065 Instl 1998 or later

Vanguard Instl Trgt Investment Objective & Strategy Retire 2015 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2015 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some risk Gross: 0.09% to achieve higher potential returns but also seeking income as a secondary objective. Net: 0.09% The investor may be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101054 EV ID: IND ID: Page 1 of 6 Vanguard Instl Trgt Investment Objective & Strategy Retire 2020 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2020 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some Gross: 0.09% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.09% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2025 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2025 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to take some Gross: 0.09% risk to achieve higher potential returns. The investor may be approaching retirement, Net: 0.09% with a short investment horizon, or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2030 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2030 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to balance the Gross: 0.09% risk of principal fluctuation with the potential for greater capital growth over time. The Net: 0.09% investor may have a medium investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101054 EV ID: IND ID: Page 2 of 6 Vanguard Instl Trgt Investment Objective & Strategy Retire 2035 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2035 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone willing to balance the Gross: 0.09% risk of principal fluctuation with the potential for greater capital growth over time. Net: 0.09% The investor may have a medium investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2040 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2040 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.09% for capital growth and willing to accept a greater degree of risk. The investor may Net: 0.09% have a medium to long investment horizon, or may prefer to take less risk than more aggressive investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2045 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2045 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority for Gross: 0.09% capital growth and willing to accept a greater degree of risk. The investor is comfortable Net: 0.09% with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101054 EV ID: IND ID: Page 3 of 6 Vanguard Instl Trgt Investment Objective & Strategy Retire 2050 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2050 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone seeking capital Gross: 0.09% growth and willing to accept a greater degree of risk. The investor may have a Net: 0.09% long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund's name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2055 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2055 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.09% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.09% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. Vanguard Instl Trgt Investment Objective & Strategy Retire 2060 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2060 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.09% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.09% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101054 EV ID: IND ID: Page 4 of 6 Vanguard Instl Trgt Investment Objective & Strategy Retire 2065 Instl The investment seeks to provide capital appreciation and current income consistent with its current asset allocation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors planning to retire and leave the workforce in or within a few years of 2065 (the target year). The fund's asset allocation will become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while the percentage of assets allocated to bonds and other fixed income investments will increase. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone with a high priority Gross: 0.09% for capital growth and willing to accept a greater degree of risk. The investor is Net: 0.09% comfortable with the ups and downs of the market and has a long investment horizon. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select their own portfolios. The date in a target date fund’s name represents an approximate date when an investor is expected to retire (which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not guaranteed at any time, including the target date. Asset allocation and balanced investment options and models are subject to the risks of the underlying funds, which can be a mix of stocks/ stock funds and bonds/bond funds. Vanguard Target Investment Objective & Strategy Retirement Inc Instl The investment seeks to provide current income and some capital appreciation. The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed for investors currently in retirement. Its indirect bond holdings are a diversified mix of short-, intermediate-, and long-term U.S. government, U.S. agency, and investment-grade U.S. corporate bonds; inflation-protected public obligations issued by the U.S. Treasury; mortgage-backed and asset-backed securities; and government, agency, corporate, and securitized investment-grade foreign bonds issued in currencies other than the U.S. dollar. Fund Investment Risk and Return Profile Expense as of 08/31/2020 This investment option may be most appropriate for someone whose highest priority Gross: 0.09% is principal security and is willing to accept lower potential return. The investor may Net: 0.09% be in or approaching retirement or may prefer to take less risk than other investors. Investors choosing this option want to invest in a mixture of diverse investments suiting their needs but may not have the time, desire, or knowledge to select and manage their own portfolios. If you do not direct the investment of your account, your account will be invested in a Plan QDIA as determined by the Plan Administrator or other designated Plan investment fiduciary. Participant accounts are directed into a Plan QDIA based on information reflected in the Plan's records, including, but are not limited to, anticipated retirement date, date of birth initially received at the time of default and/or risk profile, as applicable. Should you have further questions regarding the QDIA investment fund selection process, please contact your Plan Administrator. More detailed information about the investment funds may be available in the prospectus, if applicable, which you can get by logging onto the Plan web site. In addition, you can find out more about the Plan in other documents, including the Plan's Summary Plan Description (SPD) and any Summary of Material Modifications (SMM). You can change how your Plan account is invested, among the Plan's offered investment funds, by either: • logging onto the web site empowermyretirement.com and following the online instructions, or • by accessing your account using the automated phone system 1-833-543-4343. To learn more about the Plan's investment funds and procedures for changing how your Plan account is invested you can call 1-833-543-4343 or visit empowermyretirement.com. Also, you can contact your employer's Plan Administrator. Please consider the investment objectives, risks, fees and expenses carefully before investing. The prospectus contains this and other information about the investment options. Depending on the investment options offered in your plan, your registered representative can provide you with prospectuses for any mutual funds; any applicable annuity contracts and the annuity's underlying funds; and/or disclosure documents for investment options exempt from SEC registration. Please read them carefully before investing. Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers. GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company.

DOC_TYPE: QDIANT_STD 01:091018 PNP GP00 DOC ID: 671101054 EV ID: IND ID: Page 5 of 6 Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company, Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: NY, NY, and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by their respective owners and are used by permission. Representatives of Empower Retirement do not offer or provide investment, fiduciary, financial, legal or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. Not a Deposit. Not FDIC Insured. Not Bank Guaranteed. Funds May Lose Value. Not Insured by Any Federal Government Agency. Although data is gathered from reliable sources, including but not limited to Morningstar, Inc., the completeness or accuracy of the data shown cannot be guaranteed. Where data obtained from Morningstar, ©2018 Morningstar, Inc. All rights reserved. The data: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. ©2019 Great-West Life & Annuity Insurance Company. All rights reserved. RO719444-0219

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