Page 14 - SGH Profit Sharing & 401(k) Plan and Trust

1 AtthePlanSponsor’sdirection,participantsmayhaveaccesstoanadviceservicethatcanprovideparticipantswitharetirementsavingsandinvestmentstrategyfortheirPlanaccount,furnishedbyGuidedChoiceAsset Management, Inc.® (“GuidedChoice”), an independent registered investment advisor. Recommendations are formulated and provided by GuidedChoice and can be accessed through workplace.schwab.com. GuidedChoice will select fund investment options appropriate for the participant’s strategy from the investment options available under the Plan as selected by the Plan Sponsor or other fiduciary. GuidedChoice services include automatic rebalancing of participant accounts to maintain the asset allocations as recommended by GuidedChoice. Accounts will be rebalanced annually unless participants opt out of this service. GuidedChoice is not affiliated with or an agent of Schwab Retirement Plan Services, Inc. (SRPS); Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; or their affiliates. Neither SRPS, CS&Co., nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the advice services provided to the participants by GuidedChoice. Advice consultants are registered representatives of CS&Co., not employees of GuidedChoice. Advice consultants may facilitate participant access to the GuidedChoice service but do not provide investment advice or recommendations regarding the GuidedChoice service. The term “personalized advice” refers to personal participant data such as age, salary, and plan account balance, which will form the basis by which GuidedChoice will establish the participant’s savings and investment recommendations. For plans that do not include a salary-deferral feature, this service does not include a savings recommendation within the plan; references to savings strategy, savings recommendation, and annual savings adjustments are not applicable to these plans. Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. There is no guarantee a participant’s savings and investment strategy will provide adequate income at or through their retirement. Projections and other information regarding the likelihood of various retirement income and/or investment outcomes are hypothetical in nature, do not reflect actual results, and are not guarantees of future results. Results may vary with each use and over time. The advice service includes non-discretionary investment advice, which is available at no additional cost for the non-discretionary investment advice provided by GuidedChoice, beyond the expenses imposed by the underlying investments and the standard fees paid to SRPS and CS&Co. for recordkeeping and related services, including fees paid to Charles Schwab Bank. For a complete list of the investments which are available under the plan as well as fees and expenses that may apply to the Plan account, participants can log in to their Plan account at workplace.schwab.com and click on History & Statements to view the last annual Fee and Investment Notices and any subsequent Change Notices. Participants should carefully consider information contained in the materials furnished at their employer’s direction regarding the services provided by SRPS and its affiliates and GuidedChoice, including information regarding compensation, affiliations, and potential conflicts. 2 SchwabPersonalChoiceRetirementAccount®(PCRA)isofferedthroughCharlesSchwab&Co.,Inc.(MemberSIPC,www.sipc.org),aregisteredbroker-dealer,aspartofthePlan,withPlanrecordkeepingservicesprovidedby Schwab Retirement Plan Services, Inc. Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. Trust, custody, and deposit products and services are available through Charles Schwab Bank and Charles Schwab Trust Bank, Members of FDIC. CC2663243 (0119-9AT4) ELC59930SGH-10 (04/19) 00229286 14 SGH Profit Sharing & 401(k) Plan and Trust