Welcome to Services and support

Get ready for great services Manage and monitor your retirement account yy Check your account balance and view a summary of contributions First, you should know that the structure of the program isn’t changing, you’ll still have access to the same account types and how much you contribute yy Transfer money between won’t change. Your PepsiCo provided retirement benefit won’t change either. You can expect to see lower management fees on the funds yy Get current unit values available to you to invest in. yy Change the amount you contribute through payroll deduction With the move to Manulife, you’ll get to focus on what’s really important to yy View your personal rates of return for each individual investment you, your financial well-being. You’ll also enjoy awesome tools that will help and for your overall program you get one step closer to reaching your financial goals. yy Get detailed investment information, such as fund profiles, Manulife provides robust educational tools and resources for your most retirement planning tools and much more significant financial decisions. With innovative services and support you can easily manage your savings to help plan for the future. Contact Manulife’s Customer Service Centre at 1-833-798-1828 yy Customer Service Representatives are available Monday to Friday, from 8 a.m. to 8 p.m. ET. They’ll be able to help you with your account balances deposits, withdrawals and other transactions.

Steps Retirement yy Financial Education Specialists are available Monday to Friday, Program® (Steps) from 9 a.m. to 5 p.m. ET. They’ll help you with questions about your investment options. This interactive, online planning tool will help you set a Email: [email protected] retirement income goal, create a plan to achieve it, and track You can also contact a Financial Counsellor through the Healthy Money your progress. Steps will use Program at 1-866-929-1724 or e-mail [email protected]. the information you provide to calculate an estimate of your annual retirement income. Transition

Manulife Mobile Download the Manulife Mobile app Guide to access your retirement savings account, as well as a variety of planning tools and calculators - Financial Wellness from anywhere. Assessment You’ll also have access to After answering a few simple your investment line-up and questions, this online resource will other tools and resources at give you a personalized action plan Manulife.ca/PepsiCo and provide recommendations that may help you improve your financial well-being. In January 2019 Manulife will be the administrator for the PepsiCo Manulife and the Block Design are trademarks of The Manufacturers Life Company and are used by it, and by its affiliates under license. Retirement Savings Program INS3772 PepsiCo Group 2 TG 10/18 Transition details Your new account Key dates

During the week of January 14, 2019 Once your account has moved to Manulife, you’ll need to confirm Timing What’s happening What it means to you yy Your Registered Retirement Savings Plan (RRSP), Tax-Free Savings Account (TFSA) and/or Non-Registered Savings a couple of things. You will receive an opening statement that will Plan (NRSP) at Sun Life will transfer to an account created for you at Manulife. contain the details of your Manulife account and it’s recommended January 10, 2019 This is the last day to make changes to your Sun Life Plan ahead! Review your Sun Life account (mysunlife. that you: account by submitting paperwork or online requests. ca) to determine if any changes in your account are yy Your investments at Sun Life will be transferred to comparable investments as outlined in the table below. If you After this date you cannot make changes to your needed: have not made an active investment selection, your money will be invested in the plan default fund, the Manulife yy Verify your personal information account until January 18, 2019. yy Transfer savings between investments BlackRock LifePath , closest to the year you turn 65. y y y Confirm your beneficiary election(s) y 3 p.m. : deadline to make requests though the yy Update your future contribution instructions yy Current and future contributions you make to your program at Sun Life will be redirected to your new Sun Life Customer Support Centre yy Review your investment instructions yy Request withdrawals Manulife investments. yy 4 p.m. : deadline to make changes online or If you’d like to update your beneficiary(ies) or your investment submit paperwork yy Update your beneficiary yy Your beneficiary(ies) at Sun Life will be transferred to Manulife. instructions, you can do it online. It’s quick and easy. Access your yy If you and your spouse have an RRSP at Sun Life you’re contributing to, the savings and investment instructions in those account from MyPepsiCo.com > Pay, Benefits and Career > myHR. January 11 – 15, 2019 This is when Sun Life is preparing your account for Your account remains invested and you may view accounts will be maintained and transferred to an account at Manulife. transfer to Manulife. your account online with Sun Life. However, during yy To change your beneficiary information, once in your Manulife this time you are unable to make changes to your account, select Forms from the Quick Links menu. Print it, Sun Life account. complete it and send it back to Manulife. January 16 – 17, 2019 This is when your account is transferring from Sun While your account remains invested and you remain yy To change your investment instructions, once in your Manulife Life to Manulife. unable to make changes to your Sun Life account, Your investment options account, click on My Investments and select Transfer Between you may not be able to view your account balance Investments to transfer your current , and/or select while the funds are in transition to Manulife. Change My Investment Instructions. In the chart below you’ll find January 18, 2019 Your retirement account transition to Manulife is You can do the following: yy The current investment funds available to you at Sun Life. now complete! yy View your new Manulife account and account yy You’ll also see the equivalent fund that will be offered at Manulife. These will be the funds your retirement savings will balances be moved to. yy Transfer savings between investments, update yy Lastly, you’ll see the fee for each of these funds. This is the cost to manage your future contribution instructions, request investments. You’ll notice that the current IMF at Manulife is lower than those previously offered at Sun Life. withdrawals, update your beneficiary yy Explore the financial well-being planning resources Fund in your new account Sun Life Fund Manulife Fund IMF* Code BlackRock Lifepath Index Retirement Segregated Fund Manulife BlackRock LifePath Index Retirement Fund 2321 0.268% Week of January 21, A Welcome Letter will be mailed to you. Use the information in this letter to register for the BlackRock LifePath Index 2020 Segfund Manulife BlackRock LifePath Index 2020 Fund 2324 0.268% 2019 Manulife Mobile app and access your account when BlackRock LifePath Index 2025 Segfund Manulife BlackRock LifePath Index 2025 Fund 2325 0.268% you’re not connected to the PepsiCo network. BlackRock LifePath Index 2030 Segfund Manulife BlackRock LifePath Index 2030 Fund 2326 0.268% BlackRock LifePath Index 2035 Segfund Manulife BlackRock LifePath Index 2035 Fund 2327 0.268% You’ll be able to attend an information session. Learn about your new account at Manulife and the new BlackRock LifePath Index 2040 Segfund Manulife BlackRock LifePath Index 2040 Fund 2328 0.268% financial well-being services and support available. BlackRock LifePath Index 2045 Segfund Manulife BlackRock LifePath Index 2045 Fund 2329 0.268% BlackRock LifePath Index 2050 Segfund Manulife BlackRock LifePath Index 2050 Fund 2330 0.268% Late January 2019 You’ll receive a closing statement from Sun Life and The final account balance on your Sun Life statement BlackRock LifePath Index 2055 Segfund Manulife BlackRock LifePath Index 2055 Fund 2331 0.268% an opening statement from Manulife confirming your will match the amount transferred to your Manulife Sun Life Assurance 1 year Guaranteed Fund (GIC) Manulife BlackRock Short Term Index Fund 3321 0.208% Want to retirement savings account balance. account. Note: If you have a Non-Registered Savings Sun Life Assurance 3 year Guaranteed Fund (GIC) Manulife BlackRock Short Term Index Fund 3321 0.208% Plan or Guaranteed Interest Certificates with Sun Life, Sun Life Assurance 5 year Guaranteed Fund (GIC) Manulife BlackRock Short Term Index Fund 3321 0.208% learn more you may see a supplemental contribution amount Money Market Segregated Fund Manulife BlackRock Short Term Index Fund 3321 0.208% deposited into your account by PepsiCo to ensure the amount transferred from Sun Life matches your BlackRock Universe Bond Index Segregated Fund Manulife BlackRock Universe Bond Index Fund 4323 0.158% about investing? account balance BlackRock S&P/TSX Composite Index Segregated Fund Manulife BlackRock Canadian Equity Index Fund 7322 0.158% at Manulife. MFS McLean Budden Candian Equity Core Segregated Fund Manulife MFS Canadian Research Equity Fund 7164 0.388% View the online video at BlackRock EAFE Equity Index Segregated Fund Manulife BlackRock International Equity Index Fund 8321 0.218% at manulife.ca/investmentbasics If you have a Non-Registered Savings Plan, you’ll You must return the completed enrolment action form BlackRock U.S. Equity Index Segregated Fund Manulife BlackRock U.S. Equity Index Fund (TFSA & NRSP) 8323 0.188% (must view with Internet Explorer) receive an enrolment action form in the mail. to Manulife to prevent withdrawal account restrictions. BlackRock U.S. Equity Index Segregated Fund (Registered only) Manulife BlackRock U.S. Equity Index Fund (RRSP) 8322 0.188% MFS International Equity Segregated Fund Manulife MFS International Equity Fund 8681 0.763%

*Investment Management Fee