Except as may be required under applicable law in the case of a QDRO under ERISA or as otherwise specifically permitted by U.S. Treasury regulations, your benefits under the Plan may not be assigned, transferred, sold, alienated, pledged or encumbered.

A domestic relations order (DRO) is any judgment, decree, or order (including certain property settlement agreements) that provides for child support, alimony, and/or other marital property rights to a spouse, former spouse, child, or other dependent under state domestic relations law. Federal law requires the Plan to review a DRO submitted to the Plan to determine whether it constitutes a QDRO, and your benefit may be reduced if a portion or all of your accounts are allocated to another party under a QDRO as noted above. To be recognized as a QDRO, the order must comply with certain legal requirements, including review and approval by the Plan Administrator.

You will be assessed a $750 processing fee for any QDRO reviewed with respect to your Plan account. This fee will be charged to your Plan account before the allocation of all or a portion of your Plan account to the other party. You should contact Alight's QDRO center at www.qocenter.com if you are considering obtaining a QDRO or need a detailed description of the procedures for a QDRO. There is no charge for the procedures.