FHN Defined Benefit Pension Plan Termination

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1 TOTAL REWARDS JUNE 2016 What You Need To Know FHN Defined Benefit Pension Plan Termination Summary of Resources and How the Process Works As you are aware, the FHN Defined Benefit Pension Plan has terminated. Over the next few months a number of required steps will take place prior to distribution of your benefit under the plan. Some of these steps are required by both the Internal Revenue Service (IRS) and the Pension Benefit Guaranty Corporation (PBGC) and are for your protection to ensure an orderly and compliant plan termination. In addition to the required steps, FHN will be providing you with additional resources to help you understand the termination process and to ensure you have all the information necessary to make the best choice given your individual resources. This communication will provide you with important information on the tools and resources available to you during the termination process. Please keep this notice and use it as a reference as we move through the next couple of months. How the Process Works Now that the termination has received the necessary governmental approvals, you will be receiving several communications in the mail regarding how you would like to receive your benefit. On page 4 of this mailer, you will find a calendar of upcoming mailers as well as onsite education sessions. Please be on the lookout for each mailer so you don t miss any important information. Near the end of August, you will receive your formal Benefit Notice and Election Form. This form is very important. It is your official election and needs to be returned to FHN in order for your election to be effective. Prior to receiving your formal Benefit Notice and Election Form, you will receive two important home mailers. This is the first one. It explains the termination process and resources available to you. Also included in this mailer is the Notice of Annuity Information. This notice is required by the PBGC. It is intended to provide you with a list of the insurance providers FHN may decide to purchase annuities from. It also provides you with a summary of how state insurance guaranty associations work for annuity payments. If you choose the lump sum option (either by rollover or cash), this information will not be applicable to you since you will not be receiving future payments from an insurance provider. The second mailer is a Personal Decision Guide. This guide will be personalized for your benefit and will contain important information as it relates to your situation. You should bring this guide with you when you attend an Onsite Education Session. The onsite presentations will walk the group through the Personal Decision Guide and provide additional helpful information. If you have questions, you will also be able to ask them during the Onsite Education Sessions. If you cannot attend an Onsite Education Session, you can call-in or attend via an online webcast of the session. The call-in number and link will be provided in your Personal Decision Guide. Once you receive your formal Benefit Notice and Election Form, you need to return it with your distribution choice by September 30, We have scheduled times when we will have members of the FHN Human Resources team as well as our retirement plan partners onsite to assist you with understanding and making your election. Please remember that this is one-time election and if you do not return your election form by September 30, 2016 you will automatically be defaulted into the annuity option. You will not be able to change your election in the future.

2 The actual payment date of your benefit will depend on the election you make on your formal Election Form. If you choose a lump sum option regardless if you roll it into FHN s 403(b) plan, roll it into an Individual Retirement Account (IRA), or receive a cash payment, your payment will be made in September If you choose the annuity option your future payments will depend on the date you choose to begin receiving your annuity payments. Options Available to You The following options are available to ALL participants. This includes active staff, former FHN staff that have left but are due a pension benefit, as well as current retirees and beneficiaries receiving a monthly pension check. Under the terms of the Pension Plan you are entitled to an accrued benefit based upon your years of service and compensation with FHN. This benefit was detailed in the Notice of Plan Benefits sent to you in February of Additionally, you will receive a Personal Decision Guide the last week of June and a Benefit Notice in late August detailing your accrued benefit. You will need to decide how you would like to receive your pension benefit. Ultimately, you have four basic choices: Rollover my Pension Benefit to FHN s 403(b) Plan Rollover my Pension Benefit to an Individual Retirement Account (IRA) Have The Lump Sum Paid Directly to me in Cash Receive My Benefits as a Monthly Annuity Option 1: Rollover my Pension Benefit to FHN s 403(b) Plan FHN has an ongoing 403(b) qualified retirement plan. You are eligible to roll your lump sum account balance over to the 403(b) plan. The plan currently utilizes Fidelity Investments to administer the 403(b) plan. They will provide you with assistance in rolling over your lump sum at an upcoming education or election assistance session. The rollover option keeps your benefit invested and may continue to grow as per your investment elections. However, there is no guarantee the rollover will continue to grow since your account is subject to investment gains and losses. The rollover will be at risk to potentially lose value or it can appreciate greater than projected based upon market fluctuations. Option 2: Rollover my Pension Benefit to an Individual Retirement Account (IRA) If you choose to rollover your benefit to an IRA, you will need to setup a qualified IRA through a financial institution. The IRA will be separate from, and not sponsored by, FHN. The benefit is similar to rolling over to FHN s 403(b) plan with the exception that you will need to either work with a financial professional or handle the selection and monitoring of investment options and performance yourself. Option 3: Have The Lump Sum Paid Directly to me in Cash Under the cash lump sum option, you will receive a one-time lump sum payment of your benefit. You can choose to spend this as you wish. However, current tax laws will affect the amount you receive and the taxes you will owe. You will need to pay ordinary income taxes as well as a 10% penalty if you are younger than age 59-1/2. For income tax purposes, your total 2016 income, for purposes of Federal income taxes, will increase. In addition, State income taxes may be impacted depending on your state of residence. In other words, the inclusion of the lump sum will most likely increase the rate at which you pay taxes for all income received, including your annual salary and any income your spouse may receive. As you can see, the tax implications are significant. As such, if you are seriously considering taking the distribution to be paid directly to you, we encourage you to seek professional tax advice to determine the actual effect on your tax situation. Option 4: Receive My Benefits as a Monthly Annuity If you elect to receive your benefit as a monthly annuity you will receive a monthly amount each and every month for as long as you live. Upon your death, no further benefits are payable, unless an alternate form of payment is selected (such as a joint and survivor annuity).

3 Electing an annuity may not provide the same level of income at retirement as the rollover option because the annuity option does not continue to grow over time; it is fixed as of the date the plan was frozen. You will not experience future gains or future losses. The annuity, however, is guaranteed and will be backed by a nationally recognized insurance company who is licensed to conduct business in the state of Illinois. The amount guaranteed is the amount provided on your Benefit Notice and Election Form. If you are a retiree or beneficiary and are currently receiving a monthly benefit check, you can continue to receive your check by electing the monthly annuity option. If you select to continue to receive a monthly annuity option in the same manner, your monthly checks will not be interrupted. However, beginning in November 2016, your check will be paid from an insurance provider, not FHN s Defined Benefit Pension Plan. As part of the termination process, you do have a one-time option to receive the remaining portion of your benefit as a lump sum payment. This is a one-time option and will not be available at a future point in time. Contact Information Plan participants may contact Human Resources if there are any questions regarding the Pension Plan termination process. As previously stated, it is our intention to keep all participants fully informed of this process and we will continue to provide you with regular updates. For questions, contact FHN Human Resources at (815) or If there are any questions on rolling over your Pension Benefit to FHN s 403(b) Plan you may contact Fidelity Investments directly at (800) Addresses for Onsite Education and Election Assistance Sessions FHN Memorial Hospital Central Business Office Burchard Hills 1045 W Stephenson Street 421 W Exchange Street 1010 Fairway Drive Freeport, IL Freeport, IL Freeport, IL

4 Important Dates Be on the lookout for a Home Mailer Attend an Onsite Education or Election Assistance Session Deadline. Action Required Early June 2016 Last week of June 2016 July 19, 2016 Receive Summary of Resources and How the Process Works (this letter) and the required Notice of Annuity Information (included in this packet) Receive Personal Decision Guide Time (CST) Location (see addresses on page 3) 8:00a 9:00a FHN Memorial Hospital Conference Dining Room 10:15a 11:15a FHN Memorial Hospital Memorial Room 12:15p 1:15p Central Business Office 4th Floor Conference Room 4:30p 5:30p FHN Memorial Hospital Memorial Room 6:15p 7:15p FHN Memorial Hospital Memorial Room July 20, 2016 Time (CST) Location (see addresses on page 3) 7:30a 8:30a FHN Memorial Hospital Memorial Room 10:00a 11:00a Burchard Hills Rooms A,B, & C 12:15p 1:15p FHN Memorial Hospital Memorial Room 2:00p 3:00p Burchard Hills Rooms A,B, & C August 3, 2016 Time (CST) Location (see addresses on bottom of page 3) 8:00a 9:00a FHN Memorial Hospital Deaconess Room 11:00a 12:00p FHN Memorial Hospital Deaconess Room 1:00p 2:00p FHN Memorial Hospital Deaconess Room 3:00p 4:00p FHN Memorial Hospital Deaconess Room August 25, 2016 Receive Benefit Notice and Election Form September 2016 Attend Onsite Election Assistance. No appointment necessary. Date Time (CST) Location (see addresses on page 3) September 1, :00a 5:00p FHN Memorial Hospital Memorial Room September 8, :00a 12:00p FHN Memorial Hospital Globe Room 1:00p 6:00p FHN Memorial Hospital Memorial Room September 14, :00a 5:00p FHN Memorial Hospital Memorial Room September 19, :30a -11:30a Central Business Office 4th Floor Conference Room 1:00p 5:00p Burchard Hills Rooms A September 26, :00a 5:00p FHN Memorial Hospital Globe Room September 30, 2016 Deadline for Election Decision

5 NOTICE OF ANNUITY INFORMATION You are receiving this Notice of Annuity Information as a result of the termination of the FHN Defined Benefit Pension Plan (the Plan ). Since the Plan provides for benefits in the form of an annuity, or such other optional forms of distribution, the Plan is required to inform all affected parties the following information. IDENTITY OF INSURERS: If you will receive a benefit in the form of an annuity, the Plan Administrator intends to purchase the annuity contract for your benefit from one of the following insurers listed below. If we decide to select a different insurer, we will notify you in writing with a supplemental notice no later than 45 days before we purchase the annuity. MassMutual Metropolitan Life Insurance Minnesota Life Insurance Financial Group Company/MetLife Company/Securian 1295 State Street 200 Park Avenue 400 Robert Street North Springfield, MA New York, NY St. Paul, MN Principal Life Insurance Prudential Ins Co of America United of Omaha Life Company 751 Broad Street Insurance Company 711 High Street Newark, NJ Mutual of Omaha Plaza Des Moines, IA Omaha, NE END OF Pension Benefit Guaranty Corporation (PBGC) GUARANTEE: After plan assets have been distributed to provide all of your benefit, either through the purchase of an annuity contract or in another form permitted by the Plan, the PBGC s guarantee of your benefit ends. STATE GUARANTY ASSOCIATION COVERAGE: Your pension plan may pay your pension benefit in the form of an annuity purchased from a licensed insurance company. Once the plan purchases an annuity for you, the insurance company will be responsible for paying your benefit. All states, Puerto Rico and the District of Columbia have guaranty associations. The purpose of a guaranty association is to protect policyholders up to specified limits in the event the insurance company is financially unable to meet its obligations. If you receive your pension benefits in the form of an annuity and the insurance company becomes unable to pay, a guaranty association may be responsible for all, part or none of your annuity. Generally, where you live at the time the insurance company is unable to pay determines which guaranty association is responsible. In certain circumstances, other factors, such as where the insurance company is licensed to do business, determine which guaranty association may be responsible. Each guaranty association has dollar limits on the extent of its coverage. In most states, guaranty association coverage limits are $100,000 for individual annuities with an overall benefit cap for an individual life of $300,000, though some states have higher maximums. However, state laws vary and can change over time, and different states may calculate the value of annuities differently. This notice is to help you understand the general nature of the guaranty association protection of the annuity you may receive. It is only a summary. If you need information now or in the event the insurance company fails, a list of the addresses and telephone numbers of guaranty association offices is available by contacting PBGC s Customer Contact Center, PO Box , Alexandria, VA , telephone: 1-(800) or by visiting PBGC s Web site at (at the Workers & Retirees page, click on Benefits on the left menu bar and select State Life and Health Insurance Guaranty Association Offices on drop-down menu under Benefits ).

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