© 2016 State Street Corporation. All Rights Reserved. DC-3077 Exp. Date: 6/30/2017

The information provided does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor’s particular investment objectives, strategies, tax status or investment horizon.

Views and opinions are subject to change at any time based on market and other conditions. You should consult your tax and financial advisor. All material has been obtained from sources believed to be reliable. There is no representation or warranty as to the accuracy of the information, and State Street shall have no liability for decisions based on such information.

For public usessga.com/definedcontribution

State Street Global Advisors One Lincoln Street, Boston, MA 02111-2900T: +16176647727

Investing involves risk, including the risk of loss of principal.

The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA’s express written consent.

CHANGES INPLAN DESIGN

A TARGETEDCOMMUNICATIONS

CAMPAIGNSPECIFIC

INTERVENTIONSlike re-enrollment or partial re-enrollment

UPDATES TO THE INVESTMENT

MENU

MORE FREQUENTMEETINGS

of benefitsleadership

1 GATHER YOUR TRAVELING COMPANIONS

Pull together a cross functional team—including your investment sta�, benefits team and internal communications—for a session devoted to determining your overarching purpose.

ASK YOURSELVES: “What is the mission of our retirement benefits?”

2 PICK YOURDESTINATIONS

Grounded in the purpose of your plan, identify the behaviors you want to a�ect and how you want to measure them. Be as specific as possible:

We want people to save

X% PER YEARduring their career

with us.

We want people to be able to replace

X% OF THEIR INCOMEin retirement.

We want

X% OF PEOPLEto use a Health Savings

Account (HSA).

3 ANTICIPATEDETOURS

What obstacles might prevent people from adopting the target behaviors? How can you help them overcome those obstacles (e.g., are you experiencing lower participation rates among certain segments of your population and how can you help engage that demographic)?

4 MAP YOURROUTE

With the detours in mind, plan how you’re going to get from where you are today to where you want to be. The tools at your disposal might include:

6 RECORD YOUR PROGRESS

Use plan data to compare where you were before this exercise with the results you achieve afterward. Focus on a few key metrics related to the behavior you’re aiming to influence, and review them regularly. Then tweak your tactics based on your results.

s s g a . c o m / t h e pa r t i c i pa n tt h e n e w s o c i a l c o n t r a c t

STEWARDSHIP IN ACTION

A roadmap for adopting a stewardship approach to retirement benefits management within your organization

Check out Simon Sineck’s

LEARN YOUR WHY e-course (available at startwithwhy.com) for tips on uncovering the purpose underlying your work.

Revisit your purpose periodically, too. Are the e�orts you’re making and the results you’re achieving in line with your purpose?

IF NOT, CIRCLE BACK TO THE TOP AND START YOUR JOURNEY AGAIN.

5 OFFERMEMENTOS

What can you do to incentivize the behaviors you want to a�ect? What souvenirs can you o�er to help people track and remember their progress?

ssga.com/definedcontribution

The information contained herein is not designed to be a recommendation of any specific investment product or strategy or for any other purpose. Any examples used or expressed herein are completely hypothetical. Neither State Street Glob-al Advisors nor its affiliates or representatives (“SSGA”) engages or has engaged in the delivery of investment advice to plans or plan participants. The informa-tion contained herein does not suggest taking or refraining from any course of action and should not be viewed as an investment recommendation because they are provided as part of the general marketing and advertising activities of SSGA. This communication material is educational in nature and solely for the purpose of facilitating independent decision-making by plan participants. This commu-nication material should be reviewed by your own legal and compliance advisors to ensure you are meeting any fiduciary obligations prior to further distribution. All plan participants should carefully consider all of the investment alternatives available under the Plan before deciding to invest, consult with their own finan-cial advisor and contact their Plan Administrator for more information on the plan’s available alternatives.

The information provided does not constitute investment advice and it shouldnot be relied on as such. It should not be considered a solicitation to buy or anoffer to sell a security. It does not take into account any investor’s particularinvestment objectives, strategies, tax status or investment horizon.

Views and opinions are subject to change at any time based on market andother conditions. You should consult your tax and financial advisor. All materialhas been obtained from sources believed to be reliable. There is no representation or warranty as to the accuracy of the information, and State Street shall have no liability for decisions based on such information.

Investing involves risk, including the risk of loss of principal.

The whole or any part of this work may not be reproduced, copied ortransmitted or any of its contents disclosed to third parties withoutSSGA’s express written consent.

Australia: State Street Global Advisors, Australia, Limited (ABN 42 003 914 225) is the holder of an Australian Financial Services Licence (AFSL Number 238276). Registered office: Level 17, 420 George Street, Sydney, NSW 2000, Australia T: +612 9240-7600. F: +612 9240-7611. Belgium: State Street Global Advisors Bel-gium, Chaussée de La Hulpe 120, 1000 Brussels, Belgium. T: 32 2 663 2036. F: 32 2 672 2077. SSGA Belgium is a branch office of State Street Global Advisors Limited. State Street Global Advisors Limited is authorised and regulated by the Financial Conduct Authority in the United Kingdom. Canada: State Street Global Advisors, Ltd., 770 Sherbrooke Street West, Suite 1200 Montreal, Quebec, H3A 1G1, T: +514 282 2400 and 30 Adelaide Street East Suite 500, Toronto, Ontario M5C 3G6. T: +647 775 5900. Dubai: State Street Bank and Trust Company (Representative Of-

fice), Boulevard Plaza 1, 17th Floor, Office 1703 Near Dubai Mall & Burj Khalifa, P.O Box 26838, Dubai, United Arab Emirates. T: +971 (0)4-4372800. F: +971 (0)4-4372818. France: State Street Global Advisors Ireland Limited, Paris branch is a branch of State Street Global Advisors Ireland Limited, registered in Ireland with company number 145221, authorised and regulated by the Central Bank of Ire-land, and whose registered office is at 78 Sir John Rogerson’s Quay, Dublin 2. State Street Global Advisors Ireland Limited, Paris Branch, is registered in France with company number RCS Nanterre 832 734 602 and whose office is at Immeuble Défense Plaza, 23-25 rue Delarivière-Lefoullon, 92064 Paris La Défense Cedex, France. T: (+33) 1 44 45 40 00. F: (+33) 1 44 45 41 92. Germany: State Street Global Advisors GmbH, Brienner Strasse 59, D-80333 Munich. Authorised and regulat-ed by the Bundesanstalt für Finanzdienstleistungsaufsicht (“BaFin”). Registered with the Register of Commerce Munich HRB 121381. T: +49 (0)89-55878-400. F: +49 (0)89-55878-440. Hong Kong: State Street Global Advisors Asia Limited, 68/F, Two International Finance Centre, 8 Finance Street, Central, Hong Kong. T: +852 2103-0288. F: +852 2103-0200. Ireland: State Street Global Advisors Ireland Limited is regulated by the Central Bank of Ireland. Registered office ad-dress 78 Sir John Rogerson’s Quay, Dublin 2. Registered Number: 145221. T: +353 (0)1 776 3000. F: +353 (0)1 776 3300. Italy: State Street Global Advisors Limit-ed, Milan Branch (Sede Secondaria di Milano) is a branch of State Street Glob-al Advisors Limited, a company registered in the UK, authorised and regulated by the Financial Conduct Authority (FCA), with a capital of GBP 62’350’000.00, and whose registered office is at 20 Churchill Place, London E14 5HJ. State Street Global Advisors Limited, Milan Branch (Sede Secondaria di Milano), is registered in Italy with company number 06353340968 - R.E.A. 1887090 and VAT number 06353340968 and whose office is at Via dei Bossi, 4 - 20121 Milano, Italy. T: 39 02 32066 100. F: 39 02 32066 155. Japan: State Street Global Advisors (Japan) Co., Ltd., Toranomon Hills Mori Tower 25F 1-23-1 Toranomon, Minato-ku, Tokyo 105-6325 Japan. T: +81-3-4530-7380. Financial Instruments Business Operator, Kanto Local Financial Bureau (Kinsho #345), Membership: Japan Investment Advisers Association, The Investment Trust Association, Japan, Japan Securities Dealers’ Association. Netherlands: State Street Global Advisors Netherlands, Apollo Building, 7th floor Herikerbergweg 29 1101 CN Amsterdam, Netherlands. T: +31 20 7181701. SSGA Netherlands is a branch office of State Street Global Advi-sors Limited. State Street Global Advisors Limited is authorised and regulated by the Financial Conduct Authority in the United Kingdom. Singapore: State Street Global Advisors Singapore Limited, 168, Robinson Road, #33-01 Capital Tower, Singapore 068912 (Company Reg. No: 200002719D, regulated by the Monetary Authority of Singapore). T: +65 6826-7555. F: +65 6826-7501. Switzerland: State Street Global Advisors AG, Beethovenstr. 19, CH-8027 Zurich. Authorised and regulated by the Eidgenössische Finanzmarktaufsicht (“FINMA”). Registered with the Register of Commerce Zurich CHE-105.078.458. T: +41 (0)44 245 70 00. F: +41 (0)44 245 70 16. United Kingdom: State Street Global Advisors Limited. Authorised and regulated by the Financial Conduct Authority. Registered in En-gland. Registered No. 2509928. VAT No. 5776591 81. Registered office: 20 Chur-chill Place, Canary Wharf, London, E14 5HJ. T: 020 3395 6000. F: 020 3395 6350. United States: State Street Global Advisors, One Lincoln Street, Boston, MA 02111-2900. T: 1 617 786 2000

© 2018 State Street Corporation. All Rights Reserved.1987895.1.1.GBL.RTL Expiration Date 1/31/2019

W O R K S H E E T

STEWARDSHIP IN ACTIONI. A R T ICUL AT E YOUR PUR POSE S TAT EMEN T Write a one- or two-sentence statement that articulates why you offer the benefits that you do. The statement should explain why employees would want to work at your organization.

PURPOSE STATEMENT Why your company offers its health, wealth, and other benefits

Example: We believe our business should do well and do good. We want to hire and retain the most talented people who share this mission, and we want our benefits offering to align with and affirm this mission.

II . A R E A S OF F OCUS Identify the benefits that you are going to prioritize first, then consider how are you going to segment your efforts.

Example: This year, our primary focus will be financial wellness and retirement. We will segment our efforts to focus on three phases of financial planning: (1) “Establishing a Foundation,” (2) “Picking Up Speed,” and (3) “Building Endurance.”

III . DE V EL OP A N AC T ION PL A N Identify 3-5 goals that support your purpose statement. Then describe your strategy for achieving those goals and decide how you will measure success.

GOAL What you want to achieve

STRATEGYHow you will achieve the goal

METRICSHow you will measure success

Example: We want people to increase their retirement savings by 2% each year.

Example:

• We will offer automatic escalation

• We will schedule educational seminars for two weeks in April on personal finance

• We will host a month-long savings boot-camp challenge in May

Example:

• Track the percentage of employees who participate in your automatic escalation program.

• Review savings rates in the retirement plan. Are they changing and if so, why?

• Measure attendance at educational seminars and review deferral elections following events to see if people are increasing how much they save

I V. T ROUBL E SHOO T PROBL EMS List obstacles that you anticipate and propose ideas for how to solve for them.

PROBLEMS What obstacles may stand in the way of goals

SOLUTIONSHow to avoid or address obstacles

Example: Employees opt out of the new default savings rate because they don’t understand why it’s being increased.

Example: Create a targeted communications campaign that explains changes to the plan using clear, simple language.

V. R ECOR D PROGR E S S Document your progress by keeping track of relevant metrics on a monthly, quarterly or bi-annual basis.

1/2018 Employees who pre-committed to increase savings rates

4/2018 Employees that increased savings rates

6/2018Employees that continued to save at an increased rate following the savings bootcamp challenge

Percentage of employees increasing savings rate by 0.5%

Percentage of employees increasing savings rate by 1.0%

Percentage of employees that did not decrease their savings rates

The information contained herein is not designed to be a recommendation of any specific investment product or strategy or for any other purpose. Any ex-amples used or expressed herein are completely hypothetical. Neither State Street Global Advisors nor its affiliates or representatives (“SSGA”) engages or has engaged in the delivery of investment advice to plans or plan participants. The information contained herein does not suggest taking or refraining from any course of action and should not be viewed as an investment recommenda-tion because they are provided as part of the general marketing and advertising activities of SSGA. This communication material is educational in nature and solely for the purpose of facilitating independent decision-making by plan par-ticipants. This communication material should be reviewed by your own legal and compliance advisors to ensure you are meeting any fiduciary obligations prior to further distribution. All plan participants should carefully consider all of the investment alternatives available under the Plan before deciding to invest, consult with their own finan-cial advisor and contact their Plan Administrator for more information on the plan’s available alternatives.

The information provided does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor’s particular in-vestment objectives, strategies, tax status or investment horizon. You should consult your tax and financial advisor.

All material has been obtained from sources believed to be reliable. There is no representation or warranty as to the accuracy of the information and State Street shall have no liability for decisions based on such information.

Investing involves risk including the risk of loss of principal.

The whole or any part of this work may not be reproduced, copied or transmitted or any of its contents disclosed to third parties without SSGA’s express written consent.

This communication material is in draft form and is being provided to you only as a working document and should not be considered investment advice. It should be reviewed by your own legal and compliance advisors to ensure you are meeting any fiduciary obligations prior to any further distribution.

Australia: State Street Global Advisors, Australia, Limited (ABN 42 003 914 225) is the holder of an Australian Financial Services Licence (AFSL Number 238276). Registered office: Level 17, 420 George Street, Sydney, NSW 2000, Aus-tralia T: +612 9240-7600. F: +612 9240-7611.

Belgium: State Street Global Advisors Belgium, Chaussée de La Hulpe 120, 1000 Brussels, Belgium. T: 32 2 663 2036. F: 32 2 672 2077. SSGA Belgium is a branch office of State Street Global Advisors Limited. State Street Global Advi-sors Limited is authorised and regulated by the Financial Conduct Authority in the United Kingdom.

Canada: State Street Global Advisors, Ltd., 770 Sherbrooke Street West, Suite 1200 Montreal, Quebec, H3A 1G1, T: +514 282 2400 and 30 Adelaide Street East Suite 500, Toronto, Ontario M5C 3G6. T: +647 775 5900.

Dubai: State Street Bank and Trust Company (Representative Office), Boulevard Plaza 1, 17th Floor, Office 1703 Near Dubai Mall & Burj Khalifa, P.O Box 26838, Dubai, United Arab Emirates. T: +971 (0)4-4372800. F: +971 (0)4-4372818.

France: State Street Global Advisors Ireland Limited, Paris branch is a branch of State Street Global Advisors Ireland Limited, registered in Ireland with com-

pany number 145221, authorised and regulated by the Central Bank of Ireland, and whose registered office is at 78 Sir John Rogerson’s Quay, Dublin 2. State Street Global Advisors Ireland Limited, Paris Branch, is registered in France with company number RCS Nanterre 832 734 602 and whose office is at Im-meuble Défense Plaza, 23-25 rue Delarivière-Lefoullon, 92064 Paris La Défense Cedex, France. T: (+33) 1 44 45 40 00. F: (+33) 1 44 45 41 92.

Germany: State Street Global Advisors GmbH, Brienner Strasse 59, D-80333 Munich. Authorised and regulated by the Bundesanstalt für Finanzdienstleis-tungsaufsicht (“BaFin”). Registered with the Register of Commerce Munich HRB 121381. T: +49 (0)89-55878-400. F: +49 (0)89-55878-440.

Hong Kong: State Street Global Advisors Asia Limited, 68/F, Two International Finance Centre, 8 Finance Street, Central, Hong Kong. T: +852 2103-0288. F: +852 2103-0200.

Ireland: State Street Global Advisors Ireland Limited is regulated by the Cen-tral Bank of Ireland. Registered office address 78 Sir John Rogerson’s Quay, Dub-lin 2. Registered Number: 145221. T: +353 (0)1 776 3000. F: +353 (0)1 776 3300.

Italy: State Street Global Advisors Limited, Milan Branch (Sede Secondaria di Milano) is a branch of State Street Global Advisors Limited, a company regis-tered in the UK, authorised and regulated by the Financial Conduct Authority (FCA), with a capital of GBP 62’350’000.00, and whose registered office is at 20 Churchill Place, London E14 5HJ. State Street Global Advisors Limited, Milan Branch (Sede Secondaria di Milano), is registered in Italy with company number 06353340968 - R.E.A. 1887090 and VAT number 06353340968 and whose office is at Via dei Bossi, 4 - 20121 Milano, Italy. T: 39 02 32066 100. F: 39 02 32066 155.

Japan: State Street Global Advisors (Japan) Co., Ltd., Toranomon Hills Mori Tower 25F 1-23-1 Toranomon, Minato-ku, Tokyo 105-6325 Japan. T: +81-3-4530-7380. Financial Instruments Business Operator, Kanto Local Financial Bureau (Kinsho #345), Membership: Japan Investment Advisers Association, The Investment Trust Association, Japan, Japan Securities Dealers’ Associa-tion.

Netherlands: State Street Global Advisors Netherlands, Apollo Building, 7th floor Herikerbergweg 29 1101 CN Amsterdam, Netherlands. T: +31 20 7181701. SSGA Netherlands is a branch office of State Street Global Advisors Limited. State Street Global Advisors Limited is authorised and regulated by the Finan-cial Conduct Authority in the United Kingdom.

Singapore: State Street Global Advisors Singapore Limited, 168, Robinson Road, #33-01 Capital Tower, Singapore 068912 (Company Reg. No: 200002719D, regulated by the Monetary Authority of Singapore). T: +65 6826-7555. F: +65 6826-7501.

Switzerland: State Street Global Advisors AG, Beethovenstr. 19, CH-8027 Zurich. Authorised and regulated by the Eidgenössische Finanzmarktauf-sicht (“FINMA”). Registered with the Register of Commerce Zurich CHE-105.078.458. T: +41 (0)44 245 70 00. F: +41 (0)44 245 70 16.

United Kingdom: State Street Global Advisors Limited. Authorised and regu-lated by the Financial Conduct Authority. Registered in England. Registered No. 2509928. VAT No. 5776591 81. Registered office: 20 Churchill Place, Canary Wharf, London, E14 5HJ. T: 020 3395 6000. F: 020 3395 6350.

United States: State Street Global Advisors, One Lincoln Street, Boston, MA 02111-2900.T: 1 617 786 2000

1987911.1.1.GBL.RTL Expiration Date 1/31/2019