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Certain AAG's Services rely on Morningstar Investment Management's proprietary methodology,which is based on a review of available quantitative data to analyze and screen the investment options within a plan. Morningstar Investment Management also applies qualitative analysis by investment professionals, such as evaluations of investment managers, portfolios and individual investments.The primary sources of information used by Morningstar Investment Management are the extensive databases and methodologies of Morningstar Investment Management and/or its affiliates,and interviews with investment managers. Other sources include financial publications, annual reports, prospectuses, press releases, and SEC filings. Morningstar Investment Management combines this information with other factors — including actuarial data, stock market exposure, probability analysis, and mean-variance optimization —into its proprietary software program to analyze a complex set of market data and variables.The result is an advanced model capable of providing investment recommendations and projections of different outcomes. Using this model, Morningstar Investment Management develops an investment strategy tailored to your investment goals. 1. Online Investment Guidance AAG's OIG service developed by Morningstar Investment Management provides participants in participating plans with access to sophisticated but easy-to-use online account planning, advisory, and analytical tools that assist the participant/account holder in selecting their own asset classes and building a diversified portfolio. Using OIG, participants/account holders are provided with general asset allocation information based on the investment options that are available within the participant's plan or are available in the Empower Premier IRA. In addition,with OIG,a participant/account holder can receive an objective savings rate recommendation that may assist in achieving his/her retirement goals. OIG does not provide fund-specific recommendations. 2. Online Advice OA is based on the software program developed by Morningstar Investment Management.It provides the participant/account holder with retirement goal forecasting advice and fund-specific asset allocation recommendations tailored to the specific participant's/account holder's financial situation and retirement goals.OA is tailored for individuals who wish to manage their own retirement account with the assistance of the service tools and investment advice. OA provides participant/account holder with a retirement goal forecast through various assumptions and hypothetical financial and economic scenarios. These scenarios are based on factors such as historic returns, market volatility, cross- correlations,calculated risk premiums,interest rate fluctuations,inflation and market conditions;all of which have limitations. The participants/account holders can interact with OA to see how changes in their decisions about their savings, expected retirement age, level of investment risk and retirement income goal may affect the system's forecast. Participants/account holders who enroll in OA are responsible for determining the portfolio allocation that is best suited for their needs and investment strategy. The investment recommendations provided by OA are limited to the available investment options within the participant's specific retirement plan or in the Empower Premier IRA. OA does not make any recommendations about investing in any individual stocks or other asset classes, including employer stock that may be an investment option under the participant's retirement plan. Participant/IRA holder Responsibilities Participant/account holders are responsible for making their investment decisions and may implement OA recommendations either online or by phone.Participants/account holders are also solely responsible for reviewing and updating the information they input in the OA service with respect to the completeness, accuracy and timeliness of the information. Participants/account holders should review their retirement accounts periodically to monitor changes in the market and the value of their investments.A failure by an individual to review and update their account information through OA may materially affect the content and value of the service. Limitations on the Online Investment Guidance and the Online Advice Services The recommendations provided through OA and the information provided through OIG are estimates based on the responses and information provided by the participants/account holders. Neither AAG nor Morningstar Investment Management make 5