Empower 3/9/2022 - Laserfiche WebLink

1. OA service,the individual will no longer have access to the online investment recommendations. Because AAG does not effect changes to the participant's/account holder's asset allocation and account balances,the individual's balances will not be affected unless and until the individual affirmatively changes their asset allocation and balance after the cancellation of OA. 2. MA service,the participant/account holder will have the ability to make allocation and investment option changes to their account, usually one to two business days following cancellation.Accordingly,the participant's asset allocation will remain the same as established in the MA service unless and until the participant affirmatively changes his/her asset allocation after cancellation of the MA service. Participant/Account Holder Information The use and storage of any information is provided at the individual's sole risk and responsibility.Such information includes,without limitation, an individual's personal and non-public information, account number, password, identification, portfolio information, account balances and any other information available on an individual's personal computer. The individual is responsible for providing and maintaining the communications equipment(including personal computers and modems)and telephone or options services required for accessing and using electronic or automated services, and for all communications service fees and charges incurred by the individual in accessing these services.AAG shall not bear any responsibility for either errors or failures caused by the malfunction of any computer,communication systems,any computer viruses,and related problems that may be associated with the use of the Services. Assets Under Management With respect to the services provided by AAG,as of December 31,2020: Discretionary investment management among all services: $58,486,761,787 Non-discretionary investment advisory services among all services in the $3,787,221,958 amount of: Total discretionary and non-discretionary investment management and $62,273,983,745 advisory services in the amount of: Item 5—Fees and Compensation For employer-sponsored retirement plans,fees are subject to negotiation by the plan sponsor which may include plan-level pricing credits depending on the various option(s) selected by the plan for its participants. In some instances,if agreed to by the plan,the plan sponsors or recordkeeper may pay AAG's fees on behalf of plan participants. AAG reserves the right to offer discounted fees or other promotional pricing or to waive fees for any particular period of time subject to proper notification and disclosure. 1. Online investment Guidance Service Fees There is generally no fee for participants using OIG,however, participants may be assessed a fee for OIG depending on AAG's agreement with the plan sponsor. IRA holders do not pay a fee for use of 01G. 2. Online Advice Service Fees Participants who use OA may be charged a flat fee,if applicable.Alternatively,any applicable fee may be paid by the plan or plan sponsor. If a fee applies for OA it is generally$25.00 per year,or$6.25 per quarter, as specified in the participant's Terms of Service and/or the plan sponsor's agreement with AAG.Fees may be debited on a quarterly or monthly basis from participants'accounts based on the terms of service agreed upon by the plan sponsor. If the plan sponsor terminates the service agreement with the plan's recordkeeping service provider, the fees are debited through the date of such termination. Continued enrollment in OA by a participant will result in the participant's account being debited based on the applicable fee or the plan sponsor incurring the applicable fee on behalf of the participant. Unless a participant affirmatively terminates OA,or the plan sponsor terminates its recordkeeping service agreement,the fee will be assessed each quarter following the participant's initial use. The annual service fee pricing is unaffected by participants'frequency of use. Empower Premier IRA holders who use OA may be charged an annual 8