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4. Spend-Down Advice Participants/account holders who are enrolled in any of AAG's Services discussed above are also provided with an additional feature of Spend-Down Advice based on Morningstar Investment Management's methodology, which includes retirement planning tools.The Spend-Down Advice illustrates how long the desired income may last in retirement and determines how much spendable income the participant/account holder may be able to sustain throughout their retirement. The Spend-Down Advice provides both the amount and sources of income available throughout their retirement.The services provided under Spend-Down Advice provide projections of spendable income and do not constitute investment advice under the Investment Advisers Act of 1940. 5. Retirement Income Projection Tools and Services AAG may offer online tools and services for participants/account holders to convert projected or actual retirement savings into estimated monthly retirement income.This interactive retirement planning service consists of various retirement income projection tools.These tools are informational in nature,do not reflect actual investment results, and are not guarantees of future results.These tools do not constitute investment advice under the Investment Advisers Act of 1940. Enrollment in AAG's Services For Retirement Plan Participants: Plan providers and plan sponsors select the Service(s) (i.e., OA, 01G, and/or the MA service) that are made available to plan participants and how participants can authorize the Service(s). Participants must agree to the terms of a user agreement("Terms of Service"). Terms may be amended by AAG from time to time, to allow continued use of any of the Services. As part of a participant's enrollment in the MA service,the participant receives a MA Welcome Kit shortly after enrollment.The participant additionally receives an Annual Kit, each year. Each kit provides the participant an update on their account and information on reaching their retirement goals. In certain instances,Plan Sponsors may authorize MG to enroll participants automatically in the MA service based on information provided to AAG by the Plan Sponsors.In such instances,current participants in the Plan receive the Terms of Service and are given a defined period of time in which to cancel or"opt-out"of the MA service without incurring an advisory fee(the"Free Period"or "Promotional Period"). Participants' automatic enrollment in the Service by the Plan Sponsors is based upon personal financial information provided by the Plan Sponsor,including date of birth,salary,gender,and state of residence.Participants may review this information online or by contacting an MG investment adviser representative.Participants are solely responsible for reviewing the personal financial information they or their Plan Sponsor provide,and for notifying AAG of any changes or updates.Participants who are eligible for their employer-sponsored retirement plan or that otherwise elect to"opt-in"after the Free Look or Promotional Period concludes, may not be eligible for a waiver of advisory fees that is otherwise available in the Free Look or Promotional Period. For Empower Premier IRA Holders: The Services are available to all account holders of the Empower Premier IRA. Account holders must agree to the Terms of Service prior to using any of the online services,which may be amended by MG from time to time. The advice and recommendations provided through the Services are based on the responses or other information provided by or about the participant/account holder by the Plan Sponsor and/or the participant/account holder. Neither AAG nor Morningstar Investment Management make any guarantees or warranties,express or implied,as to the accuracy,timeliness, or completeness of such information.The Services are also subject to the general market and financial conditions existing at the time of usage.The retirement goal forecast and investment advice recommendations are not a guarantee of future results and are not a guarantee that a particular person will achieve their retirement goals. Termination of Services Participants/account holders may cancel their participation in OA or the MA service at any time. Participants/account holders utilizing OA must complete their cancellation online. Participants/account holders utilizing the MA service may cancel online or by calling an AAG investment adviser representative at the toll-free customer service number. After cancellation of the: 7