Page 11 - SGH Profit Sharing & 401(k) Plan and Trust

Schwab Personal Choice Retirement Account® (PCRA)2 Are you a knowledgeable, experienced investor with the time and interest to conduct your own research and decide how to invest? Do you have time to review your decisions at least annually? If so, a PCRA may be the strategy for you. What Is PCRA? PCRA is a brokerage account you manage yourself that provides access to more investment choices than are otherwise available in the Plan. To choose this investment strategy, you must first enroll in the Plan and then complete a PCRA Application at workplace.schwab.com under the Manage Account tab. HOW PCRA WORKS: • OnceyourPCRAisapprovedandopened,youmaytransferanyportionofyourfundsfromexistingPlaninvestmentsintoyourPCRA. • TakeadvantageofSchwabRetirementPlanServices,Inc.’smanyonlinetoolstohelpyousearchforandanalyzeinvestmentopportunities. • YoucanplacetradeordersinyourPCRAonlinethroughworkplace.schwab.comorbycallingaSchwabPCRARepresentativeat1-888-393-7272. Please note: Schwab Retirement Plan Services, Inc. is restricted from providing access to advice on a PCRA. Some PCRA investments may have initial and subsequent investment minimums. There may be other fees associated with trading. For more information on charges and minimums, contact a Schwab PCRA Representative at 1-888-393-7272 (1-888-393-PCRA). 11