Eze Castle Integration SamplesBook

Personalizing the Communication Experience Communication Samples May 2017Fidelity Brokerage Services LLC, Member NYSE, SIPC900 Salem Street, Smithfield, RI 02917

Your Employees' Financial Needs Are UniqueHelping All Employees Live Well, Now and into Retirement Job Type Getting Started Budget Management Emergency Savings Debt Prioritization Job Type Juggling Priorities Competing Financial Priorities Struggling with Debt Limited Retirement Savings Job Type Navigating Financial Decisions Income Plan/Protection Healthcare/Medicare Support Social Security 2

Our ApproachTrack Retirement ProgressQuarterly Check-InsAssess savings and investing progress,while providing personalized educationfor overall financial well-beingMeet Broader FinancialWellness NeedsWellness Touch PointsDeliver tips and tools regularly,focusing on broader financial needsAlign with MomentsThat MatterTriggers and AlertsEnsure timely action for keymoments and important life eventsConsistent Experience No MatterHow Your Employees' Prefer to Connect• Web • Actionable Communications• Mobile • Phone Conversations• Workshops • Local Investor Centers 3

Enrollment: EasyEnroll Two-Click, 60-Second Enrollment process consistent across devices Eze Castle Integration Logout EasyEnroll ?Joe Sample Secure Login Select a Starter Package % $Eze Castle Integration 401(k) Plan In 60 seconds or less, enroll in your workplace savings plan by selecting a Starter Package below. Remember, you can modify any details later.Easy Today. How are these numbers calculated?Smart GoingForward. 8% Contributed per Paycheck, Pre-tax 1% Annual Increase Invested in: BLACKROCK LIFEPATH 2030In just 60 seconds, get started in your 10%Retirement Plan right now. Contributed per Paycheck, Pre-taxEasyEnroll now 1% Annual Increase Invested in: BLACKROCK LIFEPATH 2030Choose a savings approach that suitsyou today—then, feel free to adjust it any 12%time to fit your changing needs. One-on-one guidance is always available. Contributed per Paycheck, Pre-taxQuestions? Talk to a Fidelity Guidance 1% Annual IncreaseRepresentative at 8Y00o-u3r544-0615(3k5).Retirement Plan Invested in: BLACKROCK LIFEPATH 2030 Change About Investment Employer Annual Starter Information Contribution Increase Packages Easy today. Smart going forward. Other Enroll Enrollment Later Get started in Choose a savings approach that 60 seconds w ith suits you today—and adjust it Options Eas yEnr oll. any time to fit your changing needs. Enroll now: NetBenefits.com/Easy 8.4% vs. 7% Get a reminder to enroll later: Text START to 343898* Traditional Enrollment Option Also Available EasyEnroll savings Text Reminder Campaignrate when compared to standard enrollment*Communication samples are for illustrative purposes only.*Average starting deferral rates are based on year-to-date Q3 2016 data results. EasyEnroll data is for those who elect the preset packages offered bythe employer (for plans offering 8%, 10% or 12% choices) and the standard enroll data reflects the people in those plans that choose their ownamount with the preset packages. Average deferral rates are employee contributions only. 4

Financial Wellness: MyMoney Check-UpJoe Sample Secure Login Your Employees Can:Eze Castle Integration 401(k) Plan • Create personalized financial roadmap Are you ready to take control of DEBT, • Prioritize finances—paying down debt DAY-TO-DAY EXPENSES, and versus saving for an emergency UNEXPECTED FINANCIAL NEEDS? • Analysis of strengths and opportunities to improveFind out and get on the right path so you can help make your financial life what you want it to be. TELL US YOUR STORYIn less than 10 minutes, you’ll get tips and easy-to-use tools to help you make your next move. My first name is FIRST NAME, and I am a/an AGE-year-old GENDER. Fill in the blanksGive it a try: Text \"FIT\" to 343-898 50% of those completing the assessment continued on to the next steps*Communication samples are for illustrative purposes only. *Fidelity Investments, Financial Wellness Campaign Results, November 2016. 5

Financial Wellness: Student Loans or Retirement Savings?Joe Sample Secure Login Help Your Employees:Eze Castle Integration 401(k) Plan • Prioritize saving andTo pay or to save? spending choicesThat is the question. • Establish good financial habits • Prepare for important financial milestones (home, baby, paying off student debt)Should you be paying off your student loans or saving for retirement? Find out\"Split Decisions Videos\"Communication samples are for illustrative purposes only. 6

Financial Wellness: Spring Cleaning Your FinancesJoe Sample Secure Login Providing Your EmployeesEze Castle Integration 401(k) Plan Tips, Including: • Digitize important documents • Reassess tax withholdings • Review financial goalsLet’s spruce upyour financesTidying up your finances is even easier thancleaning out your junk drawer with thischecklist. We’ve got tips and tricks to helpyou organize your finances this spring. See the ChecklistNow that your finances are so clean you could eat off ofthem, make sure your documents are secure withFidSafe®. FidSafe® is Fidelity’s safe, easy, no-cost way tostore, access and share digital copies of your mostimportant documents. Sign up today. Communication samples are for illustrative purposes only. 7

Financial Wellness: Interactive Digital Experience Three Unique Digital Experiences to Help Your Employees • Make smarter money decisions • Take steps to reshape their financial life • Grow and protect what they've savedFinancial Firsts Microsite Financial Basics MicrositeFinancially Established Microsite Communication samples are for illustrative purposes only. 8

Financial Wellness: Planning for Multiple GoalsJoe Sample Secure Login Assist Employees SavingEze Castle Integration 401(k) Plan for Multiple Goals:5 tips to get you started • Identify and prioritize goals–big or smallYou've nailed it! You're doing a great job saving in your workplace savings plan. Let'skeep it going! We've got additional tips that you can use today, and over time, to help you • Determine appropriateon your path to financial freedom: savings amount • Track progress Give us a call at 800-328-4008 to discuss your goals. Or check Joe Sample Secure Login out 5 tips to becoming a super saver. Eze Castle Integration 401(k) PlanCall Live Financial Wellness How do I save for Support Available multiple goals? Get tips and tricks to help make saving for all of your goals easier than ever. Learn how Or call 800-798-2363Communication samples are for illustrative purposes only. 9

Personalized Quarterly Check-In: Investments Need AttentionPersonalizing Your Secure LoginEmployees Joe Sample• Quarterly Progress Report Eze Castle Integration 401(k) Plan for your employee’s finances Welcome to your new Quarterly Check-in!• 160,000 personalized messaging combinations This is a special, introductory issue of a new quarterly check-indesigned for you, and all about you! Like routine auto maintenance or a physical exam, your check-inprovides a regular, consistent• Delivered four times per year opportunity to see how you’re doing in your Theta Savings Plan, get a heads-upon things you may not be aware of, and get preventative steps to helpmake your next moves. Check out the “Top Picks for You” section for tips, tools, andresources we think you might like. They’re designedto help witheverything financial—from daily money matters to life’s big moments. Here’s how you’re doing YOUR SAVINGS: On track Great job! Your total savings rate meets or exceeds Fidelity’s suggested goal of 15%. INVESTING: May need attention Based on the limited amount of stocks (equities) inyour account, you maybe invested too conservatively for your age, andbe missing out on potential growth opportunities. Watch this video for more Are you saving enough for your future along the way? RETIREMENT INCOME A good guideline is to save at least three times (3x)* your yearly salary by age 40. 3X Calculators & Tools Top picks for you Online Scheduler Thinking about Workshops From your PAS-W Retirement? investment team Get the most Test your emotional and out of Medicare Life changes can affect how financial readiness across we manage your account. 5 key factors. Register for a free webcast on Let’s talk if something’s new. Medicare eligibility, choices, costs, and when to sign up.Communication samples are for illustrative purposes only. 10

Personalized Quarterly Check-In: Savings Needs AttentionPersonalizing Your Secure LoginEmployees Joe Sample• Quarterly Progress Report Eze Castle Integration 401(k) Plan for your employee’s finances Welcome to your new Quarterly Check-in!• 160,000 personalized messaging combinations This is a special, introductory issue of a new quarterly check-indesigned for you, and all about you! Like routine auto maintenance or a physical exam, your check-inprovides a regular, consistent• Delivered four times per year opportunity to see how you’re doing in your Theta Savings Plan, get a heads-upon things you may not be aware of, and get preventative steps to helpmake your next moves. Check out the “Top Picks for You” section for tips, tools, andresources we think you might like. They’re designedto help witheverything financial—from daily money matters to life’s big moments. Here’s how you’re doing YOUR SAVINGS: Needs attention You've been leaving free money behind! Your savings rate falls below the amount your company will match, so youhaven't been getting the full value of this great benefit. Get your full match YOUR ASSET MIX: On track A single-fund solution, like the one you're in, can help keep investments on track. Check to ensure you're in the fund that best aligns with the year inwhichyou planto retire. View your investments Are you saving enough for retirement along the way? NEXT MILESTONE A good guideline is to save at least seven times (7x)* your yearly salary by age 55. 7X Webcasts Top picks for you Articles Caring for older Workshops Want to boost loved ones your credit score? How to save for the Explore the lifestyle and future you Learn how to make an impact financial impact of caring fast — especially helpful when for loved ones as they age. Learn the benefits of a workplace applying for a mortgage. savings plan and get help figuring out how much to save.Communication samples are for illustrative purposes only. 11

Retirement AssessmentJoe Sample Secure Login Help Your Employees:Eze Castle Integration 401(k) Plan • Gauge financial and emotional Are you really retirement readiness across ready to retire? five key factors Your readiness depends on five key • Understand next steps factors. Find out where you stand. • Gain confidence in decision- Take the quiz making process Or call 800-798-2363.Ongoing Retirement IncomePlanning Support from aDedicated Representative Emotional Readiness WidgetCommunication samples are for illustrative purposes only. 12

Encouraging Catch-Up ContributionsKeeping Your Pre-Retirees on TrackJoe Sample Secure Login Joe SampleEze Castle Integration 401(k) Plan Eze Castle Integration 401(k) PlanMake progress with the Try doing both to grow10X factor your savingsAs a general rule of thumb, Fidelity suggests To grow your savings even more, there are twosaving at least 10X your pre-retirement income by options that are available to help you prepare for aage 67. We want to help you take steps to get better retirement:there. Together, we will: 1. Max out your workplace savings plan • Review your savings contributions to the IRS savings limit • Discuss future planning to help 2. Catch-up contributions (which you are eligible keep you on track for on January 1 of the year you turn 50) allow • Help you take your next best step you to save beyond the annual IRS limits of your workplace savings plan Increase your contributions or click here to find out if you are on track. Together, we can look at your total financial picture and determine whether taking advantage of one orCall a Fidelity Representative at 888-832-2093 both of these options makes sense for you.to work together to review your savings plan. To learn more about maximizing your savings, call a Fidelity Representative at 888-832-2093. Or make a catch-up contribution today.Communication samples are for illustrative purposes only. 13

Health Care AssessmentHelping Your Pre-Retirees with Health Care DecisionsJoe Sample Secure Login Joe Sample Secure LoginEze Castle Integration 401(k) Plan Eze Castle Integration 401(k) PlanFind out how much you Three key questions tomay need get you startedAs you think about health care cost in retirement. It’s Enrolling in Medicare is an important part of your overallimportant to have a plan to determine how you will pay retirement planning. Understanding what Medicare covers andfor them. It is estimated that the average 65-year-old what it doesn’t will help determine any gaps in coverage andcouple retiring in 2016 will need an average of $260,000 how much more you may need for health care in retirement.to cover medical expenses throughout retirement. As eligibility age approaches, there are three questions toYour particular health care costs in retirement will vary, get you thinking about Medicare:of course, depending on your health, insurance andother factors. 1. How does Social Security affect my enrollment? 2. What if I’m still working at 65 and have my employer’s Find out here how much may need. health insurance?Then call a Fidelity Representative at 888-832-2093 andtogether, we will look at how Medicare and other health 3. What if I leave my job and miss the enrollment period?care costs factor into your overall financial plan. Medicare is an important, yet complex topic. For answersOnce you have reached Medicare eligibility and are no to your Medicare questions, click here.longer eligible for your employer’s plan, we can put youin touch with a licensed benefits representative at To learn more call Fidelity at 888-832-2093.Towers Watsons’s OneExchange® to review medicaland/or prescription drug plans that relate to Medicare. Once you have reached Medicare eligibility and are no longer eligible for your employer’s plan, talk to a licensed benefits representative at Towers Watsons’s OneExchange® by calling 844-448-7301 to review medical and/or prescription drug plans that relate to Medicare. Or visit OneExchange at medicare.oneexchange.com/FORCommunication samples are for illustrative purposes only. 14

Financial Wellness: Understanding Social SecurityJoe Sample Secure Login Social SecurityEze Castle Integration 401(k) Plan Decision Support:Unsure when to take • Model Social SecuritySocial Security? claiming strategies • Make the most of their benefits • Feel confident in making retirement decisionsWhen should you claim your benefit?The timing matters. Find out the best time for you with this simple tool. Get startedOne-on-One Helpand Decision Support Social Security WidgetCommunication samples are for illustrative purposes only. 15

Interactive Savings Challenge: America Saves WeekJoe Sample Secure LoginEze Castle Integration 401(k) PlanAmerica Saves Week EncourageFebruary 27 – March 4, 2017 participants to increase theirIn honor of America Saves Week, help improve your contribution ratefinancial picture by taking this savings challenge: by 1% in honor of Help grow your future this national eventSmall changes can have a big impact. Take 1%, for instance. Like arolling snowball, a 1% increase in your Theta Savings Plan can build onitself and help impact your financial future. See what your 1% can doOr call a Fidelity representative at 800.247.6256 to learn more.Looking for more tips and pointers?During America Saves Week, get help reaching your most importantfinancial goals. Join Fidelity for a curriculum of live, online workshops on arange of topics — from budgeting and debt management, to college planningand investing. View the calendar and register early as space is limited. Savings Analyzer RegistrationCommunication samples are for illustrative purposes only. 16

An Engaging Transition Strategy

Months 1–2 | Announcement and Interactive Transition Support Transition Site (Desktop)Joe Sam ple Secure LoginEze Castle Integration 401(k) Plan Great News! Your Eze Castle Integration Important Information & Key Dates 401(k) Plan is moving to FidelityWhat you need to know Great News! Your Eze Castle Integration 401(k) Plan is moving to Fidelityabout the move to Fidelity Please review important information Please review important information to learn how your account may be affected during the move. to learn how your account may beThe Eze Castle Integration 401(k) Plan will move to affected during the move. T he Eze Castle Integration 401(k) Plan is moving to Fidelity.Fidelity Investments. Together with Fidelity, we’ll give T hrough Fidelity, you will have access to the tools you need and the help you would expect to makeyou access to innovative planning and guidance The Eze Castle Integration 401(k) Plan knowledgeable and confident decisions about your savings and spending.resources, so you’ll have more support than ever as is moving to Fidelity.you save for your future. Just getting started Living for today Preparing for your next Through Fidelity, you will have access chapterImportant information about the move to Fidelity is to the tools you need and the help you From paying down debt and Get in better financial shapeeasilyaccessible here in the online transition details. would expect to make knowledgeable keeping up with bills, to budgeting and today, so you can do a whole lot more From everyday money matters, to growingPlease review the information carefullyand be sure and confident decisions about your saving for the future. to mo r r o w . and protecting the life you’ve built, we’reto take note of any key dates and services that may savings and spending. here to helpbe temporarilyunavailable during the move. View Transition DetailsTransition Email Transition Site (Mobile) Month 3 | Transition Complete Live Guidance On-Site WorkshopsTransition Complete CommunicationCommunication samples are for illustrative purposes only. 18

2017 Communication and Education Calendar A Communication and Education Program Tailored around Your Benefits StrategyPerformance and EducationMessages that show employees where they stand and what steps they can take to improveJANUARY FEBRUARY MARCH• Fidelity Viewpoints • America Saves Week • Financial Wellness • Webcast: Social Security Planning & Managing DebtAPRIL MAY JUNE • Webcast: Medicare • Quarterly Check-In• Separated Participant Distribution OptionsJULY AUGUST SEPTEMBER• Caring for Loved Ones • Financial Wellness • Quarterly Check-In • Webcast: Retirement IncomeOCTOBER NOVEMBER • Regulatory Notices Planning & Investing & Risk• Financial Wellness• Separated Participant DECEMBER • Quarterly Check-In Annual Check-UpEnrollment/Participation & Onboarding: multi-touch enrollment; new hire Easy Enrollment; tenured unenrolled;post-enrollment onboarding.Ongoing Engagement:activity triggers, targeted age-based milestone triggers at ages 35, 40/45; guidance tools abandoned;loan payoff; retirement transition services. Defined benefit plan milestone messaging.Retirement and Job Changes: At retirement or separation; eight months after separation; new beneficiaries. 19

FOR PLAN SPONSOR AND INVESTMENT PROFESSIONAL USE ONLY.Financial Engines is a registered trademark of Financial Engines, Inc. Used with permission. All rightsreserved. Financial Engines is not affiliated with Fidelity Investments or its affiliates.Fidelity® Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registeredinvestment adviser and a Fidelity Investments company.This service provides discretionary money management for a fee.Asset allocation does not ensure a profit or guarantee against loss.Retirement Income Planner, Portfolio Review, myPlan Retirement Quick Check (RQC), IncomeSimulator, and Income Strategy Evaluator are educational tools.Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serveas the primary or sole basis for your investment or tax-planning decisions.Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917© 2017 FMR LLC.All rights reserved.000000.00.0