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41 <br />9.7 Financial Wellness. Empower will provide employee plan and investment education and <br />communications materials, including education and planning tools. <br />9.7.2 Empower Participant Experience. With certain exceptions, Empower provides <br />Participants with an estimated hypothetical monthly retirement income and goal based on a number of <br />factors including the Participant’s Plan assets, Plan contribution rates and compensation data on the <br />Participant website. <br />9.7.3 Financial Wellness Services. Empower’s financial wellness program provides <br />Participants with tools and services to review overall financial wellness including tools that allow <br />Participants to complete a personalized online assessment, the output of which provides the user with <br />ideas on the next steps they can take to address financial concerns they identified when completing <br />the assessment and educational resources to lear n more about financial topics of interest, including <br />a learning center with educational content on certain financial wellness topics. Empower or its <br />affiliates may make retirement education consultants available to Participants to provide financial <br />wellnes s consultations and may contact Participants to offer financial wellness consultations . <br />Consultations involve topics such as (but not limited to): budgeting, saving, student debt, debt <br />prioritization, life insurance, managing investments and consolidating assets. Empower’s financial <br />wellness tools, services and consultations may include information on financial products and services <br />made available by Empower or third -party providers. Participants may pay fees if they choose certain <br />products. Empower may receive fees and other payments from the products selected by <br />Participants. More information on the applicable financial wellness products and the fees and <br />payments that may be received by Empower is available upon request. <br />9.7.4 Participant Fiduciary Services. Empower may offer investment advice and <br />provide recommendations as a fiduciary under applicable law to Participants on certain Plan transactions, <br />such as point-in-time investment advice on designated investment alternatives, investment advisory <br />services available under the Plan, and recommendations on distribution and rollover options, which may <br />include services and products offered by Empower and its Affiliates. When Empower acts as a fiduciary, it <br />will do so in the best interest of the Participants. Empower will provide such fiduciary services pursuant to <br />applicable law. <br />10. REPORTING SERVICES <br />10.1 Participant Reporting. Empower will provide Participants a confirmation for transactions <br />involving investment allocations, investment transfers, contribution rates, change of address, rollover <br />contributions, and rebalance activity. Empower will also make available to each Participant account <br />information on at least a quarterly basis, including beginning and ending balances, all contributions and <br />transactions processed, interest credited or change in value, fees and withdrawals deducted, transfers <br />processed and performance data on Investment Options held by the Plan to the extent such data is <br />provided by the Investment Option Sponsor, personal rate of return on investments, account balance <br />translated into an estimated monthly income amount, and balance in the SDB, as applicable. Participants’ <br />statements shall be distributed in accordance with Section 4.8 [Electronic Delivery] of this Schedule. <br />Statements will be available within fifteen (15) Business Days after receipt of final information in good order <br />from third party sources.