HEARTS ON FIRE Contribution & Employer Match

HEARTS ON FIRE Average Participant Retirement Account Value

HEARTS ON FIRE Estimated Average Employee Contribution Amount

• Participants may contribute up to 100% of their compensation, subject to statutory limitations.
• Participants may also designate a portion or all the deferral contributions as Roth 401(k) contributions.
• These amounts will be deposited by the Company to the Plan on the participant’s behalf.
• Participants who have attained age 50 before the end of the plan year are eligible to make catch-up contributions.
• New hires are automatically enrolled, unless they affirmatively elect otherwise, at a deferral rate of 6% at the next entry date once eligibility requirements are met.
• Automatic annual increases in the deferral rate of 1% will be applied until a deferred rate of 10% is reached, or until changed by the participant.

• Participants are also eligible for discretionary matching contributions, up to $4,000 per participant for the plan years ended December 31, 2024 and 2023.

• Participants are immediately vested in their own contributions plus actual earnings thereon.
• Participants vest in the Company contributions portion of their account as follows: Years of Service Percentage Vested Less than one year 0% One year but less than two years 25% Two years but less than three years 50% Three years but less than four years 75% Four years or more 100% Notwithstanding the above, participants become 100% vested upon attaining normal retirement age (65), or termination of service due to death or disability.