If you are an active employee with a work email address assigned to you by the Company, the Plan will generally provide your account statements, notices and other Plan related materials by email. These electronic communications will include: this SPD; the Retirement Savings Plan Newsletter; the Safe Harbor Notice; the QDIA Notice; the Investment Options Brochure; Quarterly Account Statements as indicated above under Account Statements; and other required Plan materials. If you are an active employee, you may instruct the Plan to send certain Plan-related materials to your secure mailbox rather than to your work address by going to the Plan website and following the instructions. However, you will continue to receive certain legally required notices at your work email address. You may request that paper copies be mailed, at no cost to you, at any time by contacting the Plan.

If you are an active employee and do not have a Company assigned email address, or if you are no longer an active employee, you will receive your account statements, notices and other Plan related materials by postal mail unless you have provided the Plan with a personal email address. If you prefer to have Plan related materials sent to you by email, you may elect to do so by going to the Plan website and following the instructions to provide the email address of your choice. You may change your election and request that paper copies be mailed, at no cost to you, at any time by contacting the Plan. See "How to Contact the Plan."