What investment services and advice can you provide me? If you sign an investment advisory agreement with CAPTRUST, it means you are hiring CAPTRUST to manage your investment account. You will pay an ongoing quarterly fee based upon the total value of the cash and investment assets in your advisory account (the fee rate is negotiated between you and your CAPTRUST Financial Advisor). CAPTRUST offers advice on a continuous (ongoing) and regular basis, reporting results back to you at least quarterly. How? When you hire CAPTRUST, your Financial Advisor and client service team members will gather personal information from you in order to determine your needs, goals, objective and risk tolerance and to design an appropriate investment strategy specifically to assist you in meeting those goals.

Monitoring & Communication: Account reviews are conducted at least quarterly. Quarterly review reports (with account performance and market commentary) are delivered to you electronically using a secure client portal called BlackDiamond https://login.bdreporting.com/Auth/SignIn. Clients requiring hard copy of their quarterly review reports should contact their CAPTRUST Financial Advisor or email compliance@captrust.com.

Investment Authority: You can hire CAPTRUST to manage your investments on a discretionary basis which means CAPTRUST will buy or sell investments in your account without asking you in advance. CAPTRUST can also manage your assets on a nondiscretionary basis which means we offer advice and make recommendations, but you decide what investments we can buy or sell in your account. Since discretionary accounts are updated automatically to stay in line with the agreed upon strategy, clients who have not given us discretion can be put at a disadvantage since we have to wait until we are able obtain approval before buying or selling an investment.

Limitations on Investment Offerings: CAPTRUST does not limit the types of investments in our managed accounts. However, a minimum annual advisory fee may apply. Please ask your Financial Advisor.

If you are a plan participant in a retirement plan offering CAPTRUST Advice Solutions, CAPTRUST’s ability to manage assets in your plan may be limited by your plan sponsor. CAPTRUST does not impose limitations on the type of investment offerings in your plan. Your plan sponsor decides how the plan will pay for advisory services, but you elect whether to use the services or not.

CAPTRUST does not advise on “Company Stock” (i.e., investments in your employer’s stock ownership), brokerage account assets, or other assets held outside your retirement plan. However, if you choose to provide this information to CAPTRUST it will be taken into consideration when determining the allocation that is recommended for your account.

CAPTRUST Advice Solutions uses a third-party technology provider to gather personal information from the plan sponsor, the plan recordkeeper, and you, to calculate an appropriate asset allocation specifically for you. There are two types of Advice Solutions: 1) Blueprint Managed Advice – is a discretionary advisory service using a third-party technology. CAPTRUST sends transaction instructions to your plan recordkeeper to implement the asset allocation for you. Monitoring: Participant accounts are reviewed periodically and updated automatically based on available personal information without contacting you. You can terminate these services at any time. 2) Online Advice, nondiscretionary, point-in-time, investment recommendation with respect to the allocation of your account and you need to decide whether to implement the investment recommendation. Monitoring: You and not CAPTRUST will have to monitor your account. Since Online Advice is a point-in-time recommendation, there is no need to terminate that service.

Blueprint Managed Advice and Online Advice services can be accessed any time by logging into your retirement plan account where you can make changes to your personal information.

Affiliate Services: CAPTRUST has an affiliated broker-dealer, CapFinancial Securities, LLC that provides brokerage services to CAPTRUST advisory clients on an ancillary basis, separate and apart from CAPTRUST advisory services. Please email compliance@captrust.com for information on CFS.

KYLE P. OLSON

CAPTRUST

Principal

Minnetonka, MN 55343

KYLE PAUL OLSON