Today’s workers know it is up to them to save for retirement, but they can often get stuck making the difficult decisions necessary to get started. At ADP, we believe you shouldn’t need to be financially savvy to save for the future — that’s why our retirement plans are built for real people. With our innovative tools and solutions that leverage data and technology, we make it easy to get started, make educated financial decisions, stay on top of progress, and get answers to help employees unlock the potential of their retirement plans.

One-click mobile enrollment with the ADP Mobile AppEligible employees are able to enroll in their company’s retirement plan directly on their mobile device via the ADP Mobile App — allowing them to enroll anytime, anywhere.

Once in the app, employees can complete their enrollment in one simple step by accepting the default contribution rate and fund allocation. They can then review the Participant Fee Disclosure and click Enroll Now to complete the enrollment process. It’s that easy! Employees who wish to set their own contribution rate and select from their plan’s investment options, can easily do so by following the prompts. Employees will receive a confirmation number indicating that they have successfully enrolled in your company’s retirement plan. Once enrolled in the plan, employees can use the ADP Mobile App to monitor their progress and conveniently manage their account(s).

Innovative ToolsHelping your employees unlock the potential of their retirement plans.

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC.

ADP, LLC owns and operates the ADP mobile app. ADP, LLC is a retirement plan record keeper and/or plan administrator and is responsible for the content as shown. Illustrations are representative of technological features only and are not meant to reflect any specific investment strategies nor any account or investment options.

RETIREMENT SERVICES

Innovative Tools ■ Unlocking the potential of retirement plans

We transform plan enrollment through our My ADP Retirement Snapshot calculator. This enhanced experience provides the employee with an estimate of their retirement savings needs and the monthly savings amount required to reach it.

After a few simple questions about themselves and their plans for the future, such as the employee’s anticipated retirement age and location, the calculator provides real, personalized answers and a way to easily act on them.

ADP is committed to delivering easy-to-use tools like My ADP Retirement Snapshot to help employees achieve retirement readiness.

SHOW ME WHAT’S POSSIBLE

MyADP Retirement Snapshot

IMPORTANT: ADP, LLC owns and operates the ADP.com website and ADP mobile app. MyADP Retirement Snapshot makes no assumptions about your tax status or savings and should not be used as the basis for any planning decisions. The likelihood of various savings outcomes are hypothetical, do not reflect actual investment results or market fluctuations and are not guarantees of future results. Results may vary potential savings scenarios, with each use and over time. Information utilized to make projections includes the user’s age, current annual compensation, account balance, deferral rate, and projected retirement age and state. Inputs can be changed to present different scenarios. MyADP Retirement Snapshot is provided for educational purposes only to understand the benefits offered by retirement plan participation.

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Participants can conveniently view their account and get messages to help them with their retirement planning

Mobile alerts help keep employees motivated to save.

Participants can access their plan anywhereFinding the time to focus on planning for retirement can be a  challenge. With our advanced planning tools and communications, participants can manage their account when it’s convenient. Our mobile app lets participants enroll in their plan anytime, anywhere — without paperwork. And they can easily access information and make changes to their 401(k) account while they’re on the go. By clicking the retirement icon in the app, participants can use their smartphone to:

� Enroll in their retirement plan

� Check their current account balance

� View their account performance

� Make changes to their contribution rate or account allocation

� Receive targeted messages about their retirement plan and immediately take action

� Perform investment reallocations

Changes made from the app are reflected in real time on the participant website.

Build engagement Many participants lose focus on their retirement planning once they have joined the plan. Our interactive technology and communications keep them engaged with real information and interactive tools – so they can gauge their progress and make adjustments to their choices as their circumstances change.

Mobile notificationsThe mobile app can also motivate participants to stay on top of planning for the future. Participants who use the app can receive targeted messages that can help them get the most of their retirement plan benefit by notifying them about important information concerning the plan. The ADP Mobile App is available on most mobile devices. ADP also offers a website for employees with unsupported mobile devices, available at https://mobile.adp.com.

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC. 3

Innovative Tools ■ Unlocking the potential of retirement plans

Get answers, stay connectedOur website makes it easy for participants to access the information and tools they need to manage their account, make informed decisions, track their progress, and take action. And, our single sign-on process for plans using ADP’s payroll solutions makes it easy to access the content.

Easily find account informationUpon log in, participants are greeted with a summary view of the most important account information, including:

� Current account balance

� Plan contribution rate

� Investment allocation and fund performance

� Personal rate of return

� Recent account activity

The website also offers functionality for participants who want to download their 401(k) transaction history from the website into their personal Quicken® software.

The retirement income estimate feature enables participants to calculate their possible retirement outcome if they wish to by increasing their savings rate from the overview page. It includes the projected results of making a 1% savings rate increase and, with just a few clicks, participants can make the change.1

1 IMPORTANT: The projections or other information generated by the Retirement Savings Tool (RST) regarding the likelihood of various retirement savings outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Results may vary with each use and over time. The information used by the RST to make projections is your age, current annual compensation, account balance, and contribution rate. You can change the variable inputs to model different scenarios. RST is provided for educational purposes only. You should not rely on RST as the primary basis for your investment, financial, or tax planning decisions.

Retirement income estimate feature makes it easy for participants to act

to pursue their retirement outcome

Participant Website

Participants click here to launch the Retirement Savings Tool — a retirement savings gap analysis application.

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2 The Financial Wellness program and its related materials are provided for educational purposes only, and are not intended to be, nor should they be deemed as, investment advice, financial planning, or tax assistance. Any projections and other output generated by any calculators or tools are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results. The calculators and tools simply apply user input and the assumptions selected to provide a rough assessment of the likelihood that hypothetical results may be achieved. Users should not rely on these materials or output as the primary basis for any investment, financial, or tax planning decisions. ADP cannot guarantee or assure a user’s ability to meet any of his or her goals or that any hypothetical results actually will occur.

3 The Retirement Health Care Costs Projector (RHCCP) is the property of HealthView Services, Inc. and is provided for educational purposes only. Cost projections and other information generated by the RHCCP are estimates, hypothetical in nature, dependent upon the quality of input data as well as certain assumptions, and are not guarantees of future results. Actual health care costs will likely vary (sometimes significantly) from the estimate. ADP cannot guarantee or assure a plan participant’s ability to meet any of their goals or that any hypothetical results actually will occur; has not verified or confirmed the accuracy of these guidelines, assumptions or estimated costs; and does not provide health care advice, products or services. Nothing expressly contained or implied on ADP’s participant website or in any RHCCP estimate is intended or shall be construed as medical or other professional advice by ADP. For specific medical advice, diagnosis and treatment, participants should contact their personal physician.

Prepare for ALL of life’s financial challengesWe offer a comprehensive Financial Wellness program designed to help participants learn or expand their knowledge about various topics.2 Financial Wellness content can now be accessed through the ADP participant web site. It includes a range of resources in a self-learning format so users can explore and learn at their own pace

Through the ADP Marketplace* you can build out financial wellness programs with apps from a growing number of well-known brands. These apps can help workers improve their financial literacy, manage debt, protect their identity, plan for retirement, save for college, and more. Most of these offers are fully integrated with the ADP payroll and benefit programs they use every day.

The best medicine — planning ahead The Retirement Health Care Costs Projector3 looks at several factors to calculate projections for retirement income and estimated health care costs, including current employee contributions and income, other sources of potential income in retirement, and projected monthly retirement income. These factors are paired with the participant’s personal data, like age, gender, state of residence, current income, and health status — to project possible health care costs in retirement and their potential impact on retirement income. Employees can easily edit their contributions directly from this projector if they think it will help them be more prepared for retirement.

Understanding the possible cost of health care in retirement is a critical part of a total financial wellness plan for your employees. ADP’s Retirement Health Care Costs Projector is just one of the valuable resources we offer to help them get on track for retirement — and stay there.

* The ADP Marketplace is a platform offering a variety of Human Capital Management (“HCM”) applications and services, including financial planning applications, many with pre-built integration to ADP offerings to clients of ADP, LLC. Third party applications, services and integrated solutions are not recommended or vetted by ADP Retirement Services and are not affiliated with ADP Retirement Services, ADP Broker-Dealer, Inc., ADP Strategic Plan Services, LLC.

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC. 5

Innovative Tools ■ Unlocking the potential of retirement plans

4 Participant advisory and management services provided by Financial Engines Professional Management is made available to plans recordkept by ADP, LLC (“ADP”), however Financial Engines is not affiliated with ADP nor any of ADP’s affiliates, parents, or subsidiaries. ADP provides technology services that facilitate a plan’s connectivity to the services of Financial Engines and provides information about Financial Engines’ services to you; however the provision of these services is in no way a recommendation or endorsement by ADP of Financial Engines, nor does it imply a certain level of skill or services offered by Financial Engines. Financial Engines® is a registered trademark of Edelman Financial Engines, LLC. All advisory services provided by Financial Engines Advisors L.L.C., a federally registered investment advisor. Results are not guaranteed.

Financial Engines ADP Retirement Services has entered into an agreement with Financial Engines to make available Financial Engine’s suite of advisory services to our plan sponsors and their participants. Financial Engines was founded on the belief that everyone — regardless of wealth or investment experience — should have access to independent, high-quality investment advice. Financial Engines believes the use of scalable financial technology coupled with experienced advisors ensures personalized, expert advice to all plan participants for planning up to and through retirement.4 For more information, visit: https://go.financialengines.com/adp-retirement-services

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Plan health dashboardADP has introduced a new Retirement Plan Health dashboard that will provide insight into how your retirement plan measures against similar plans and industry benchmarks. This addition to the Plan Sponsor Website will enable you to easily assess overall plan health and determine which measurements require attention. Plus you’ll have ready access to tools and resources to help you take corrective action, as needed.

Enhanced security ADP has introduced security enhancements to our Interactive Voice Response (IVR) system designed to better protect participants’ accounts from being accessed by unauthorized individuals.

The IVR enhances the existing 2-stage verification process by requiring a participant enter his or her Social Security Number (SSN) and Personal Identification Number (PIN), when prompted, in order to access his or her account and speak with an ADP representative.

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC.

Unless otherwise disclosed or agreed to in writing with a client, ADP, LLC and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor or firm for the provision of advice; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Investment options are available through the applicable entity(ies) for each retirement product. Investment options in the “ADP Direct Products” are available through either ADP Broker-Dealer, Inc. (ADP BD), Member FINRA, an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ or (in the case of certain investments) ADP, LLC. Only registered representatives of ADP BD, in the case of certain products, or of a broker-dealer firm that has executed a marketing agreement with ADP, LLC may offer and sell ADP retirement products and services or speak to retirement plan features and/or investment options available in any ADP retirement product. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Registered representatives of ADP Broker-Dealer, Inc. do not offer investment, tax or legal advice to individuals. Please consult with your own advisors for such advice.

ADP, the ADP logo and Always Designing for People are trademarks of ADP, LLC. iPhone, iPad, iPod touch, iOS, and Apple App Store are registered trademarks of Apple Inc. All other trademarks and service marks are the property of their respective owners. 99-3279-PS-A-0120 ADPRS-20200113-0538 Copyright © 2019-2020 ADP, LLC. All Rights Reserved.

FOR PLAN SPONSOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

Supporting Your Plan Needs, Today and TomorrowRetirement benefits aren’t just about planning for the future. They are about attracting and retaining a motivated, productive workforce, day in and day out. ADP’s deep Human Capital Management knowledge means we make it easy for you to create a successful retirement plan for your workplace.

� We use innovation to make retirement plan administration easier

� We help you control plan risk

� We put the interests of you and your plan first

For more information about how we can help you and your participants achieve retirement readiness, please contact an ADP Retirement Services District Manager today at 800-432-401k or visit www.adp.com/401k

Redefining retirementOur innovation isn’t just about technology. We design retirement plans that work better.

� ADP retirement plan solutions offer a number of ways you can customize your plan design to help create better retirement outcomes for your participants — and help you meet your fiduciary responsibilities.

� Our Plan Health Review5 can help you assess whether your plan is meeting participant needs and uncover solutions you can implement to help your employees succeed.

� And, we stay connected to you and your participants with live support when you need it — from our Call Center Representatives to our Retirement Counselors — we are available to answer questions and provide assistance.

5 Available for ADP Retirement Services clients that have a dedicated Client Service Manager. The Plan Health Review is intended to serve as an objective guide as your clients evaluate their plans, and is not intended to be, nor should it be construed as, investment, financial, tax, or legal advice, or a recommendation for any particular course of action.

ADP RETIREMENT SERVICES 71 Hanover Road Florham Park, NJ 07932 < www.adp.com/401k