On January 1, 2023, the Hybrid Retirement Plan's auto-escalation feature will boost your retirement savings.

It's easy-no action required. Your contributions will automatically increase by 0.5% unless you opt out or vou already contribute the maximum 4%.

You save on a pre-tax basis and take advantage of compound interest-earnings on your earnings.

And the more you save, the more you receive in matching employer contributions. When you save 4%. your employer contributes 2.5%.

Log in to Account Access to select a custom vol untary contribution amount in 0.5% increments up to 4%, or opt out of auto-escalation between September 16 and December 15 at 4 p.m.

You can also select SmartStep, allowing you to automatically increase your contribution amount over time on a schedule you choose.