STD PLHIGH ][06/12/26)( 939225-01 NO_GRPG 302459/][GP19 DOC ID: 1054517655)( Page 2 of 2 • Financial hardship (as defined by the Internal Revenue Code and your Plan's provisions) • Severance of employment (as defined by the Internal Revenue Code provisions) • Attainment of age 59 1/2 • Domestic abuse victim • Qualified disaster recovery • Death (your beneficiary receives your benefits) Ordinary income tax will apply to each distribution. Distributions received prior to age 59 1/2 may also be assessed a 10% early withdrawal federal tax penalty. Refer to your Summary Plan Description for more information about distributions. Plan Fees Please review the Plan’s Notice of Investment Returns & Fee Comparison for information on Plan fees and expenses. Loans Your Plan allows you to borrow the lesser of $50,000.00 or 50% of your eligible total vested account balance. The minimum loan amount is $1000.00 and you have up to 60 months to repay your general purpose loan or up to 180 months if the money is used to purchase your primary residence. Empower Advisory Services Your Plan offers a service called Empower Advisory Services. You can have Empower Advisory Group, LLC, a registered investment adviser, manage your retirement account for you. Or, if you prefer to manage your retirement account on your own, you can use the Online Advice tool. These services help create a personalized retirement strategy for you.There is no guarantee provided by any party that participation in any of the advisory services will result in a profit. For more detailed information about these services, including any applicable fees, visit your Plan's website at empowermyretirement.com or call the Voice Response System, toll free at 1-800-338-4015. Advisory services materials, including the terms of service, regulatory documents, and ongoing communications, are available in English only. If you need translation assistance, please work with a qualified translator to ensure you fully understand your obligations upon enrollment. How do I get more information? Visit the website at empowermyretirement.com or call the Voice Response System, toll free at 1-800-338-4015 for more information. The website provides information regarding your Plan, as well as financial education information, financial calculators and other tools to help you manage your account. Securities, when presented, are offered and/or distributed by Empower Financial Services, Inc. (EFSI), Member FINRA/SIPC. EFSI is an affiliate of Empower Retirement, LLC; Empower Funds, Inc.; and registered investment adviser Empower Advisory Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations or advice. Online Advice and My Total Retirement are part of the Empower Advisory Services suite of services offered by Empower Advisory Group, LLC, a registered investment adviser. Past performance is not indicative of future returns. You may lose money. ''EMPOWER'' and all associated logos and product names are trademarks of Empower Annuity Insurance Company of America. ©2023 Empower Annuity Insurance Company of America. All rights reserved. Form# 939225-01PH 401(k)