My Retirement Bene昀椀ts Our retirement bene昀椀ts are a cornerstone of our bene昀椀t program and demonstrate our support for you as you plan for your future. Our goal is to ensure we have a strong, sustainable bene昀椀t for many years to come while continuing to invest as we always have in our team members' future. We’re also recognizing the increasing desire for team members to have more control of their retirement bene昀椀ts and how they plan for their future. What’s included in this section (and why it’s important) » Snapshot of our retirement plans » How to enroll – Steps to enroll in the FMOLHS 403(b) plan during open enrollment » What to do and resources to help You will enroll and make contribution election changes to all of our retirement plans directly on our custom Lincoln Financial website at www.LincolnFinancial.com/FMOLHS. Snapshot of Our Retirement Plans The 403(b) retirement program allows you more control over how much you save, investment decisions and to select from a variety of fund options. As your retirement planning partner, FMOLHS is committed to providing you with a robust plan that is designed to help you pursue your retirement goals, and help you build even bigger dreams. With the retirement program, you will enjoy a host of bene昀椀ts, including: Employer matching contributions (see below for details) » Employer core » A range of diverse investment options retirement contributions » Exceptional website and customer » A fully portable plan that moves service support with you when you retire or » Ability to make hardship withdrawals change jobs or plan loans, if certain criteria are met » Greater control over » Ability to make withdrawals from investment decisions your account at age 59½, even if » A robust plan website accessible via you are actively employed computer, mobile or wearable app » Personalized expert help from on-site Lincoln Financial retirement consultants 44