Introduction

Your Plan's Voya Financial™ service provider ('Voya™') has entered into a relationship with a third party, Morningstar Investment Management LLC, to provide retirement plan participants with investment education, advice and account management services with respect to your retirement plan account(s) with Voya™. These services are delivered to you on the Morningstar® Retirement Manager website through a seamless integration with Voya's participant Web site. Morningstar Retirement Manager is provided by Morningstar Investment Management LLC, a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc., and is intended for citizens and legal residents of the United States and its territories. Morningstar Investment Management LLC's advisory service relates solely to the investment options offered under the plan. Retirement plan funding products are offered through Voya Financial Partners LLC (member SIPC) or other broker dealers with which it has selling agreements. Voya provides Morningstar Investment Management LLC with information about the plan's investment options and participants but the decisions regarding the advice provided are Morningstar Investment Management LLC. Voya and its companies are not affiliated with Morningstar Inc. or its affiliates and receive no fee or other direct financial benefits from Morningstar in connection with the use of its services. The Morningstar name and trademarks are used under license from Morningstar, Inc.

Voya is not responsible for determining how you invest the assets in your retirement plan(s) or for ensuring that you accumulate sufficient assets in your plan(s) to meet your retirement objectives.

Signing up for or opting-out of Retirement Manager Services

To learn more and sign up for the Morningstar Retirement Manager services, you must read and accept Voya's Terms and Conditions, and then proceed to the Morningstar Retirement Manager website. On that site, you will receive additional important information about Morningstar Investment Management LLC and its services. You should review that information carefully. If you choose the Have Morningstar Manage My Plan service, you may cancel the service at any time. To cancel you will first need to access the Voya site you are on now, and accept the Terms and Conditions. You will then be directed to the Morningstar Retirement Manager website, where you will be able to cancel the service by clicking the 'Cancel Service' link at the bottom of any page and follow the instructions.

Privacy

When you use Retirement Manager, Voya will provide Morningstar Investment Management LLC with certain personal information about you and your plan(s) that Voya has received from you or your employer and maintains in order to provide services to you. (Please see the Morningstar Investment Management LLC privacy policy for the types of information collected by Morningstar Investment Management LLC.) This information is needed by Morningstar Investment Management LLC to provide appropriate investment advice to you. By electing to utilize Retirement Manager, you are providing Voya with consent and direction to provide this information to Morningstar Investment Management LLC. All information will be kept strictly confidential.

Fees

A Voya company and Morningstar Investment Management LLC have entered into a License Agreement to make Retirement Manager available to you. Under the License Agreement Voya is obligated to make certain payments to Morningstar Investment Management LLC. If you elect to utilize Have Morningstar Manage My Plan (a managed accounts service), fees will be deducted from your account at an annual rate of 0.3% of your Managed Account Balance (defined below) and paid to Morningstar Investment Management LLC. In most cases, the entire amount of these fees will serve as an offset against the fees payable by Voya under the License Agreement. Your Managed Account Balance is defined as your balance at the end of each fee period (not including any outstanding loans) minus any balance in company stock and minus any balance in a self-directed brokerage account. In addition, fees will be deducted from your account at an annual rate of 0.3% of your Managed Account Balance, and paid to Voya as a fee for administrative and recordkeeping services associated with the Have Morningstar Manage My Plan service. This fee may provide a profit to Voya. The fee paid to Morningstar Investment Management LLC is reviewed annually and is subject to change based on the overall level of assets in the plan in which you participate. The fee breakpoints are generally at plan assets under $3 million, between $3 million and $10 million, and over $10 million. Fees are generally higher at lower plan asset levels. The fees paid to Morningstar Investment Management LLC and Voya may be lowered, but will not be raised. In the event the administrative fee payable to Voya is lowered, we will provide notice on our website. The maximum aggregate fees deducted from your account for the Have Morningstar Manage My Plan service is an annual rate of 1.25%. By accepting these Terms and Conditions, you are agreeing to receive this notice via this website. You should periodically visit this website or consult your sponsor for current fee information.

The Manage My Plan Manually service is available at no charge.

Important Considerations

If you have assets in a self-directed brokerage account or company stock, Morningstar Investment Management LLC will consider such investments in its recommendations, but may not provide specific analysis or suggest or implement reallocation of those assets. Morningstar Investment Management LLC assumes that your assets are fully vested in your retirement plan(s) when they provide their advice recommendations.

If you have a balance in a fund or funds that no longer accepts deposits, including transfers, and you choose to participate in the Morningstar Retirement Manager service, you acknowledge that Morningstar's recommendation may include an order to liquidate 100% of the balance in any such funds.

The recommendations made by Morningstar Investment Management LLC may be influenced by the information provided to them about you and your financial situation. Please ensure the information used by Morningstar Investment Management LLC is complete and accurate, and updated on a timely basis. For instance, if you pay off a retirement plan loan early, you should be sure to alert Morningstar by visiting their website as such information may result in a change in their recommendations. If you provide Morningstar with such information, Morningstar will assume that it is accurate and timely.

If you utilize the Manage My Plan Manually service, you are solely responsible for determining whether or not to implement Morningstar Investment Management LLC's recommendations. If you have received advice from other advisors or used other asset allocation models, those results may differ from the advice you receive from Morningstar Investment Management LLC. If you utilize the Have Morningstar Manage My Plan service, Morningstar Investment Management LLC will automatically implement its recommendations, and your responsibility is to determine whether to select and retain Morningstar Investment Management LLC to manage your account.

You should carefully read the information provided by Morningstar Investment Management LLC in its website before you utilize any of the Retirement Manager services.

Voya reserves the right, in our complete and sole discretion, to alter, modify, add, update or remove portions of these terms at any time. Please review these Terms and Conditions periodically for changes. Using the services after we post changes constitutes your acceptance of any changed terms. Likewise, Morningstar Investment Management LLC reserves the right, in its complete and sole discretion, to alter, modify, add, update or remove portions of the terms of its agreement with you at any time. Please review that agreement periodically for changes to its terms. Using Morningstar's services after it posts changes constitutes your acceptance of any changed terms. You can view the current Morningstar Advisory Agreement on their website.