ENGAGING SOLUTIONS 401(K) PLAN FOR MINDFUL STEWARDSHIP AND ABUNDANCE Contribution & Employer Match

ENGAGING SOLUTIONS 401(K) PLAN FOR MINDFUL STEWARDSHIP AND ABUNDANCE Average Participant Retirement Account Value

ENGAGING SOLUTIONS 401(K) PLAN FOR MINDFUL STEWARDSHIP AND ABUNDANCE Estimated Average Employee Contribution Amount

• Each year, participants may voluntarily contribute up to 90% of their annual compensation, as defined by the Plan, within the limits prescribed by the Internal Revenue Service (IRS).
• Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.
• Participants may also contribute amounts representing distributions from other qualified defined benefit or contribution plans (rollover).
• Roth 401(k) contributions are permitted under the Plan’s provisions.
• The Plan includes an auto enrollment provision whereby all newly eligible employees are automatically enrolled in the Plan unless they affirmatively elect not to participate in the Plan.
• Automatically enrolled participants have their deferral rate set at 6% of eligible compensation and their contributions invested in a designated balanced fund until changed by the participant.
• Automatic enrollment deferral contributions are increased by 1% each year subsequent to enrollment up to 9%.

• The Company has a qualified automatic contribution arrangement (QACA) safe harbor match which is equal to 100% of the first 1% and 50% of the next 5% of a participant’s eligible compensation, as defined, that a participant contributes to the Plan.

• Participants are immediately vested in their individual contributions.
• Participants fully vest in their Employer’s QACA safe harbor contributions after two (2) years of credited service, plus actual earnings or losses thereon, based on a two-year cliff vesting schedule.
• Vesting in the Employer’s discretionary profit-sharing contributions, plus earnings or losses thereon, is based upon years of credited service.
• A participant is 100% vested in the Employer’s discretionary profit-sharing contributions after five years of credited service based on a five-year graded vesting schedule.
• Regardless of years of service, participants are 100% vested upon reaching normal retirement age (65), becoming disabled, or upon death or termination of the Plan.