PURSUING THE FUTURE YOU IMAGINE

Your plan overviewPhyllis James & Calvin Cooksey

Retirement Plan Advisors

B U I L D I N G A P A R T N E R S H I P

We believe in retirement

Empower is the second-largest retirement services company in the country.1 We are committed

to helping you live for today while saving for tomorrow.

1. Pensions and Investments DC Recordkeepers ranking survey as of April 2020.

OURMAINTAINING A ENGAGING

FOCUS RETIREMENT-FIRST EMPLOYEES WITH

FOCUS INNOVATIVE ANDINTUITIVE RESOURCES

SIMPLIFYING PROVIDING SERVICE DELIVERINGADMINISTRATION EXCELLENCE FOCUSED MEANINGFUL,WITH A MODERN ON RESULTS MEASURABLE VALUE

TECHNOLOGY PLATFORM

99.5% Of our employees are working from home and delivering uninterrupted service.

91% of calls answered within90 seconds.

Reliable access to web and systems. No systems outages.

Leading the industry.Waived distribution and loan fees.

Committed to no COVID-19 layoffs.

2:1INCREASED OUR COMMUNITY DONATION MATCH*

T H E E M P O W E R D I F F E R E N C E

6,000 EMPLOYEES LEADING WITH A

RETIREMENT-FIRST FOCUS

We were built for times like these

Empower Retirement data January 1, 2020 to May 28, 2020.*Employee donation campaign April and May 2020.

FOR PLAN SPONSOR OR FINANCIAL PROFESSIONAL USE ONLY

What we do and why we do itOur goal is to help you replace — for life — the income you made while working.

As partners, we’re here to:

Help you reach your financial goals.

Give you a better view of your financial picture.

Offer ongoing support and guidance.

Help you plan for the retirement you imagine.

Pursuing the future you imagineWhat will your retirement look like? No matter how far or near you are to retirement, you probably have a picture in your head of what you’d like it to look like. How you want to live in retirement will help determine how much you need to save.

Travel to places you’vealways wanted to visit

Spend more time with friends and family

Split time between two homes

Have more quiet time at home or a busy

social calendar

Your retirement income

Where can your money come from after you retire, and will you have enough to live the

retirement you imagine?

How much does it take to retire?Many financial advisors recommend saving enough to cover 70% to 90% of your pre-retirement annual income to maintain your standard of living.

70%to

90%

Where your income in retirement can come fromSocial Security may not be enough. For many, Social Security will only replace a portion of income in retirement.

Many financial planners say you'll need between 70% and 90% of your pre-retirement income to live comfortably in retirement.

(Your workplace savings plan could be a good source for replacing that income.)

Social Security Income from earnings

Income from assets

Pensions and retirement plans

Other

Benefits of your plan

Here are some of the reasons why enrolling in your plan is a

great idea.

Benefits of your plan

Here are some of the reasons why enrolling in your plan is a

great idea.

Benefits of your plan

Here are some of the reasons why enrolling in your plan is a

great idea.

Benefits of your plan

Here are some of the reasons why enrolling in your plan is a

great idea.

One of the easiest ways to save for your futureAfter you sign up, your employer automatically deducts the amount you specify from your paycheck and puts itinto your plan account. You don’t have to write a check or move money around yourself.

Consider increasing your contribution each year —even if it’s by just a little.

Financial professionals recommend that you gradually work your way up to saving 10-15% of your pay.

How pretax contributions work

On the plus side

Any growth is tax-deferred.

You get extra take-home pay.

You may pay lower taxes later.

Contributions are made before taxes are taken out.

You’re in charge

Save as much or as little as you like (up to the IRS maximum).

You can change your contribution rate anytime.

Invest in a way that suits your needs.

You choose the dollar amount or percentage you want to save and the types of investments you’d like to make. After all, it’s your future you’re saving for. But remember, we’re always here to help.

Understanding the value of compounding and taxation

FOR ILLUSTRATIVE PURPOSES ONLY. This hypothetical illustration is not intended as a projection or prediction of future investment results, nor is it intended as financial planning or investment advice. It assumes a 8% annual rate of return and reinvestment of earnings with no withdrawals. Rates of return may vary. The illustration does not reflect any associated changes, expenses or fees. The tax-deferred accumulation shown would be reduced if these fees had been deducted.

$72,000

$451,700earnings (rate 8%)

$72,000

$451,700earnings (rate 8%)

$523,700

$600,000.00

$500,000.00

$400,000.00

$300,000.00

$200,000.00

$100,000.00

$-

ChrisYears of saving: 40

Monthly contributions: $150

Annual rate of return: 8%

Pretax

Taxable during retirement

amount invested

How much you can contribute

* Both the age 50+ catch-up and the 457 catch-up cannot be used in the same year.

Like everything in life, there are some rules when it comes to contributing to your plan.

IRS limit for individual: $19,500

Catch-up contributions: An additional $6,500 for people 50 and older

457 catch-up*

Up to double the maximum limit:

Within three years of your plan’s designated normalretirement age if you under-contributed in earlier years

What kind of investor are you?Knowing your investing style can help you determine how you want to manage your retirement plan account —and how.

Do-it-for-me investor

Help-me-do-it investor

Do-it-myself investor

Consider all your options and their features and fees before moving money between accounts.

< Total Retirement™><Professional Management Program>An investment strategy created just for you

You may want to look into a professionally managed account that offers a personalized approach to planning for the future you want.

PersonalizedWe develop an investment strategy that fits your needs and goals.

SimpleWe do the work for you to help you stay on track for your future.

ComprehensiveWe look at your saving, investing and retirement income needs.

One-to-oneYou have ongoing access to investment adviser representatives.

There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

<Online Advice and My Total Retirement are part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.>

<Online Advice and the Professional Management Program are part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.>

The power of one — rolling money in

<Money from other types of plans or accounts that are rolled over into a governmental 457 plan may still be subject to the 10% federal early withdrawal penaltyupondistribution from the 457 account prior to the investor reaching age 59½.>

If you’d like, you can roll money from previous employers into your new plan. That way you only have one accountto manage.

You can roll qualified balances into your account.

Rollovers don’t count as part of your annual contribution limits.

You can start by requesting a distribution form from your previous employer(s).

Consider all your options and their features and fees before moving money between accounts

How to enrollThe sooner you enroll, the

sooner you can start saving

for your future.

Enrolling is easy

FOR ILLUSTRATIVE PURPOSES ONLY

Here’s how it works.

fcps.empower-retirement.com

Start saving with easy enrollment

Click on the Register button.

Select I have a plan enrollment code.

Enter 350224-01

Enter plan enrollment code.

FOR ILLUSTRATIVE PURPOSES ONLY.

It takes just a few simple steps.

fcps.empower-retirement.com

NOW IS A GOOD TIME

Providing support for the idea that the journey is just as

important as the destination.And that in order to live boldly,

one must also save wisely.

QuestionsPhyllis James

Retirement Plan Advisor

703-402-6170

Email: phyllis.james@empower-retirement.com

To schedule a virtual meeting visit: https://virtual_meeting_phyllis_james.empowermytime.com

Calvin Cooksey

Retirement Plan Advisor

410-926-7607

Email: calvin.cooksey@empower-

retirement.com

To schedule a virtual meeting visit: https://virtual_meeting_calvin.empowermytime.com/

T H A N K Y O U

Carefully consider the investment option’s objectives, risks, fees and expenses. Contact Empower Retirement for a prospectus, summary prospectus for SEC-registered products or disclosure document for unregisteredproducts, if available, containing this information. Read each carefully before investing.

Investing involves risk, including the potential loss of principal.

Securities offered and/or distributed by GWFS Equities, Inc., Member FINRA/SIPC. GWFS is an affiliate of Empower Retirement, LLC; Great-West Funds, Inc.; and registered investment adviser, Advised Assets Group, LLC. This material is for informational purposes only and is not intended to provide investment, legal or tax recommendations oradvice.

iPhone, iPad, Apple, Apple Watch and App Store are trademarks of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google LLC.

IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time.

My Financial Path includes products made available by Empower Retirement, LLC and third-party providers outside the retirement benefits provided under your plan. Inclusion of a product in My Financial Pathis not an endorsement or recommendation of the product by the plan’s sponsor, service providers or fiduciaries.

RO1202628-0620 ERCR-PRE-23603-1904

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May LoseValue Not Insured by Any Federal Government Agency