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C401K PLHIGH ][10/29/22)( 780281-01NO_GRPG 539077/][GP35DOC ID: 20546869)(Page 1 of 2Eastern Real Estate LLC 401(k) Profit Sharing PlanFeatures and HighlightsRead these highlights to learn more about your Plan. If thereare any discrepancies between this document and the PlanDocument, the Plan Document will govern.About the 401(k) PlanA 401(k) plan is a retirement savings plan designed toallow eligible employees to supplement any existing retirementand pension benefits by saving and investing through avoluntary salary contribution. Contributions and any earnings oncontributions are tax-deferred until money is withdrawn.Eligibility RequirementsTo enroll in the Plan, employees must meet the following criteria:• Age 21 or older• Completed 12 month(s) of serviceEligible employees may enroll quarterly, January 1, April 1, July1, October 1 of each year.Please contact your Plan Administrator for information regardingexcluded employees.EnrollmentYou will be automatically enrolled. Please contact your PlanAdministrator for additional information.Contribution LimitsBefore-tax ContributionsIn 2022, the before-tax contribution amount is between 1% and100% of your compensation or $20,500.00, whichever is less.Employer ContributionsSafe Harbor Employer Non-elective ContributionYour Plan may contribute a safe harbor employer non-electivecontribution.Profit SharingYour Plan may provide for a profit sharing contribution in anamount to be determined by your employer.Vesting ScheduleVesting refers to the percentage of your account you are entitledto receive upon the occurrence of a distributable event. Thevalue of your contributions to the Plan and any earnings theygenerate are always 100% vested (including rollovers fromprevious employers).The safe harbor employer non-elective contribution isimmediately 100% vested.The value of employer profit-sharing contributions to the Plan,and any earnings they generate, are vested as follows:Years ofServiceVested Percentage ofEmployer Contributions0 - 2 Year(s) 0%2 - 3 Year(s) 20%3 - 4 Year(s) 40%4 - 5 Year(s) 60%5 - 6 Year(s) 80%6 Years and over 100%Investment Options¹A wide array of investment options are available throughyour Plan. Please review the Plan’s Notice of InvestmentReturns & Fee Comparison for information on the investmentoptions at empowermyretirement.com. Once you have enrolled,investment option information is also available through thewebsite at empowermyretirement.com or call the VoiceResponse System toll free at 1-800-338-4015. The website andthe Voice Response System are available to you 24 hours a day,7 days a week.¹Prospectuses, disclosure documents and investment-related options/services information are only available in English. Please have themtranslated prior to investing.Transfers and Allocation Changes¹You can move all or a portion of your existing balances betweeninvestment options (subject to Plan rules) and change how yourpayroll contributions are invested.¹Transaction requests received in good order after the close of the NewYork Stock Exchange will be processed the next business day.Rollovers¹Only Plan Administrator approved balances from an eligiblegovernmental 457(b), 401(k), 403(b) or 401(a) plan or anIndividual Retirement Account (IRA) may be rolled over to thePlan. Some plans may only allow rollovers from other 401(k)plans.¹Governmental 457 funds rolled into another type of plan or account maybecome subject to the 10% early withdrawal penalty if taken before age59 1/2.WithdrawalsQualifying distribution events are as follows:• Retirement• Permanent disability• Financial hardship (as defined by the Internal Revenue Codeand your Plan's provisions)• Severance of employment (as defined by the InternalRevenue Code provisions)• Attainment of age 59 1/2• Death (your beneficiary receives your benefits)Ordinary income tax will apply to each distribution. Distributionsreceived prior to age 59 1/2 may also be assessed a 10% earlywithdrawal federal tax penalty. Refer to your Summary PlanDescription for more information about distributions.Plan FeesPlease review the Plan’s Notice of Investment Returns & FeeComparison for information on Plan fees and expenses.

C401K PLHIGH ][10/29/22)( 780281-01NO_GRPG 539077/][GP35DOC ID: 20546869)(Page 2 of 2LoansYour Plan allows you to borrow the lesser of $50,000.00 or 50%of your eligible total vested account balance. The minimum loanamount is $1000.00 and you have up to 60 months to repay yourgeneral purpose loan or up to 360 months if the money is usedto purchase your primary residence.How do I get more information?Visit the website at empowermyretirement.com or call theVoice Response System, toll free at 1-800-338-4015 for moreinformation. The website provides information regarding yourPlan, as well as financial education information, financialcalculators and other tools to help you manage your account.Securities, when presented, are offered and/or distributed byEmpower Financial Services, Inc., Member FINRA/SIPC. EFSI isan affiliate of Empower Retirement, LLC; Empower Funds, Inc.; andregistered investment adviser Empower Advisory Group, LLC. Thismaterial is for informational purposes only and is not intended to provideinvestment, legal or tax recommendations or advice.Effective December 31, 2020, Empower acquired the MassachusettsMutual Life Insurance Company’s (MassMutual) retirement business.Empower administers the business on MassMutual’s behalf, with certainadministrative services being performed by MassMutual and its affiliatesduring a temporary transition period. Empower is not affiliated withMassMutual or its affiliates.The Plan information contained in this document was provided by thePlan's third party administrator. Empower is not responsible for anycontent provided by the Plan's third party administrator.©2021 Empower.All rights reserved. Form# 780281-01PH 401(k)RO1632507-0621