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any guarantees or warranties,express or implied,as to the accuracy,timeliness,or completeness of such information.The OIG and OA services are also subject to the general market and financial conditions existing at the time of use. The retirement goal forecast and investment recommendations provided by OA and the information provided through 016 are not a guarantee of future results,nor are they a guarantee that a participant/account holder will achieve their retirement goals. OA and 01G should only be used by participants/account holders as a tool in their retirement planning and not as a substitute for their own informed judgment. Neither AAG nor Morningstar Investment Management has an obligation to update any information for a specific individual or to proactively contact the individual to obtain updated information.A failure by an individual to review and update account information through OA and OIG may materially affect the content and value of services received from AAG. 3. Managed Account Service AAG offers a discretionary managed account service("Managed Account", "MA service"or"MTR"),This is a professional and flexible asset management program based on data resulting from the methodologies and proprietary software program developed and employed by Morningstar Investment Management. In the MA service,MG has discretionary authority over the allocation of available investment options, without prior participant/account holder approval of each transaction. All ongoing investment transfers and investment direction changes are implemented for individuals enrolled in the MA service. The MA service designs a specific asset allocation portfolio for the participant/account holder that reflects the individual's retirement goals,life stages,specified risk constraint and overall financial situation.The MA service considers plan or IRA assets and other assets and investments not included within the plan or IRA if provided by the participant/account holder. On a periodic basis, individual accounts in the MA service are re-forecasted, which may include rebalancing and reallocating the individual's asset allocation portfolio.This is done to maintain alignment with the allocation percentages determined by Morningstar Investment Management through various assumptions and hypothetical financial and economic scenarios.Such scenarios are based on different factors such as historic returns,market volatility,cross-correlations,calculated risk premiums, interest rate fluctuations, inflation, market conditions, and the personal financial circumstances of the participant/account holder.Participants/account holders receive an account update and forecast statement annually and can update their personal information at any time by calling AAG at their plan's toll-free customer service number,or by visiting the appropriate website. Some plan providers may offer a guaranteed lifetime benefit withdrawal option to plan participants who are approaching retirement or are in retirement. If the plan provider offers this service and if the participant meets the retirement criteria established by the plan provider or plan sponsor, the investment strategy may include a suggested amount that can be withdrawn while maintaining income throughout retirement.It may also include information about allocating a portion of the managed account balance for the purchase of an annuity or other guaranteed income product. Limitations on the Managed Accounts Service When participants/account holders enroll in the MA service,they must transfer and allocate their entire retirement account balance to the Managed Account. For participants,there is an exception of employer stock and employer directed monies. Partial management of participants'/account holders' account where they are invested in other investment options(such as individual stocks or other asset classes outside of the available investment options)while also participating in the MA service is not an available alternative. Participant/account holder balances in any of these investment options must be liquidated, subject to plan and/or investment provider restrictions, or the participant/account holder cannot be enrolled in the MA service. For participants, certain outside non-advisable assets may be permitted while also participating in the MA service. However,the participant's entire advisable account balance must be allocated to the MA service. Once enrolled in the MA service, participants/account holders delegate certain account management functions to AAG including functionality for fund-to-fund transfers,change fund allocations,the dollar cost averaging tool and/or the rebalancer tool. However,individuals in the MA service retain full inquiry access to their accounts and may still request approval for loans or take a distribution withdrawal,if permissible, Participants/account holders may un-enroll at any time from the MA service. Once they do so,the participants/account holders resume full responsibility for the investment management of their accounts. An individual may un-enroll online or by contacting an MG investment adviser representative. 6