How To Choose A 401(K) Plan Investment

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1 Supplemental Income 401(k) Plan This document contains important information concerning our retirement plan. The first section provides you with information about the plan in general, including any expenses you might incur through participation in the plan or through taking advantage of different plan features. The second section provides information about the plan s investment alternatives, including any fees or expenses associated with those investments. If you have questions concerning any of this information, contact Plan Representatives at Plan Information This information includes: annual operating expenses of the Plan investments; copies of prospectuses, financial statements, reports, or other material relating to Plan investments provided to the Plan; a list of assets contained in each Plan investment portfolio; the value of those assets and fund units or shares; and the past and current performance of each Plan investment. As a Plan participant, you may request certain information from Plan Representatives at Participant investment instructions You may choose how to invest all of the contributions held in your Supplemental Income 401(k) Plan account, among the investment options available within the Plan, subject to the terms of the Plan and any restrictions described below. Limitations on investment instructions You may change how the contributions to your account are invested by logging into your account at or by calling on any day the New York Stock Exchange is open for business. Voting rights Generally, any voting, tender or similar rights regarding the investment choices offered in the Supplemental Income 401(k) Plan will be exercised by the Plan s Board of Trustees. Designated investment alternatives The Supplemental Income 401(k) Plan provides investment options into which you can direct your contributions. Section two of this document lists these investment options and provides information regarding each option. Additional information The Plan s quarterly Recordkeeping Fee is $2.50 per participant and is deducted from the participant s account each quarter. The Plan s quarterly Trust Management Fee is $4.50 per active participant and $8.50 per inactive participant. Under the terms of the Collective Bargaining Agreement covering your workplace, this fee is either paid by your employer or paid from your Plan Account. Refer to the Collective Bargaining Agreement to confirm whether you or your employer pays this fee. Individual Expenses The Plan imposes certain charges against individual participant accounts, rather than against the Plan as a whole. These expenses will arise based on your use of a feature available under the Plan (e.g., participant loans), or based on the application of applicable law (e.g., processing a domestic relations order in case of a divorce). Fee Description Fee Amount Minimum Dollar Amount Maximum Dollar Amount Fee Charge Frequency Loan Set Up Fee $75.00 $1,000 $50,000 On-Request Loan Maintenance Fee $7.50 $1,000 $50,000 Quarterly Withdrawal Fee $10.00 n/a n/a On-Request Withdrawal fees Charges imposed for withdrawals Loan fees - Charges imposed for loans

2 P a g e 2 Supplemental Income 401(k) Plan This document includes important information to help you compare the investment options under your retirement plan. If you want additional information about your investment options, you can go to the Internet Web site address shown below or you can contact Plan Representatives at A free paper copy of the information available on the Web site can be obtained by contacting the number referenced above. Document Summary This document has 2 parts. Part I consists of performance information for plan investment options. This part shows you how well the investments have performed in the past. Part II shows you the fees and expenses you will pay if you invest in an option. Part I. Performance Information Table 1 focuses on the performance of investment options that do not have a fixed or stated rate of return. Table 1 shows how these options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option s principal risks is available on the Web site. Table 1 Variable Return Investments Name/ Type of Option Equity s AllianzGI Technology American s Washington Mutual Investors BlackRock Health Sciences Opportunities Columbia Small Cap Value II Goldman Sachs Mid Cap Value Average Annual Total Return as of 9/30/2015 1yr. 5yr. 10yr. Since Inception Benchmark 1yr. 5yr. 10yr. Since Inception -1.12% 11.56% 8.66% % 12.81% 8.51% -- Dow Jones Technology Index -4.10% 11.88% 5.97% % 12.29% 5.71% -- Russell 1000 Value Index 11.94% 20.24% 13.42% % 13.34% 6.80% % 12.33% 6.95% % 10.17% 5.35% -- Russell 2000 Value Index -5.40% 10.79% 6.35% % 13.15% 7.42% -- Russell Mid Cap Value Index

3 P a g e 3 Invesco Small Cap Growth MainStay Principal Mid Cap S&P 400 Index Balanced s Invesco Equity and Income Income s Loomis Sayles Bond MainStay Total Return Bond International American s EuroPacific Growth Asset Allocation % 14.18% 8.60% % 10.17% 5.35% -- Russell 2000 Index -1.16% 12.69% 6.20% % 13.34% 6.80% % 16.65% 7.29% % 12.29% 7.65% -- S&P Mid-Cap 400 Index -3.52% 9.31% 5.84% % 14.47% 8.09% -- Russell 1000 Value Index -6.89% 4.34% 5.74% % 3.09% 4.61% -- Barclays US Government/Credit -0.20% 3.52% 4.94% % 3.10% 4.64% -- Barclays US Aggregate Bond -5.53% 3.88% 4.70% % 3.98% 2.9% -- MSCI EAFE Index -1.65% 5.45% 4.28% % 3.10% 4.64% -- Barclays US Aggregate Bond -2.03% 5.59% 4.36% % 13.34% 6.80% % 6.07% 4.23% % 13.34% 6.80% % 6.83% 4.51% % 13.34% 6.80% --

4 P a g e Income -3.37% 7.00% 4.23% % 13.34% 6.80% % 7.41% 4.34% % 13.34% 6.80% % 7.51% 4.30% % 13.34% 6.80% % 7.66% % -0.61% 13.34% 6.80% % 7.74% % -0.61% 13.34% 6.80% % 3.27% 3.56% % 3.10% 4.64% -- Barclays US Aggregate Bond Table 2 focuses on the performance of investment options that have a fixed or stated rate of return. Table 2 shows the annual rate of return of each such option, the term or length of time that you will earn this rate of return, and other information relevant to performance. Name/ Type of Option SIP Stable Value Option Table 2 Fixed Return Investments Return Term Other 2.00% 6 months Rate credited through 12/31/2015

5 P a g e 5 Part II. Fee and Expense Information Table 3 shows fee and expense information for the investment options listed in Table 1 and Table 2. Table 3 shows the Total Annual Operating Expenses of the options in Table 1 and Table 2. Total Annual Operating Expenses are expenses that reduce the rate of return of the investment option. Table 3 also shows Shareholder-type Fees. These fees are in addition to Total Annual Operating Expenses. Name / Type of Option Equity s AllianzGI Technology American s Washington Mutual Investors BlackRock Health Sciences Opportunities Columbia Small Cap Value II Goldman Sachs Mid Cap Value Invesco Small Cap Growth MainStay S&P 500 Index Principal Mid Cap S&P 400 Index Balanced s Invesco Equity and Table 3 Fees and Expenses Total Annual Operating Expenses As a % Per $ % $16.10 N/A.94% $ % $11.19 N/A 1.33% $ % $11.40 N/A 1.22% $ % $ % $5.40 Income.81% $8.10 Income s Loomis Sayles Bond 1.17% $11.70 MainStay Total Return Bond International American s EuroPacific.62% $ % $11.30 N/A Shareholder-Type Fees period for amounts $5,000 or more. Excessive trading restrictions requires 14 day holding period regardless of amount. period for amounts $5,000 or more. period for amounts $10,000 or more. Excessive trading restrictions requires 30 day holding period regardless of amount. period for amounts $5,000 or more. Excessive trading restrictions requires 45 day holding period regardless of amount. period for amounts $10,000 or more.

6 P a g e 6 Asset Allocation Freedom 2010 Freedom 2015 Freedom 2020 Freedom 2025 Freedom 2030 Freedom 2035 Freedom 2040 Freedom 2045 Freedom 2050 Freedom Income Fixed Return Investments SIP Stable Value Option 0.85% $8.50 N/A 0.89% 8.90 N/A 0.91% $9.10 N/A 0.95% $9.50 N/A 0.99% $9.90 N/A.75% $7.50 N/A 0.75% $7.50 N/A The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor s Web site for an example showing the long-term effect of fees and expenses at Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. Please visit for a glossary of investment terms relevant to the investment option under this plan. The glossary is intended to help you better understand your options Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages losses arising from any use of this information. Past performance is no guarantee of future results. October 2015