The HART Board of Trustees is pleased to offer two forms of investment advisory services to all HART Plan participants. This service is provided by Morningstar.

Morningstar Associates, LLC is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., a company known as a trusted source of insightful information on stocks, mutual funds, and other investment products.

Morningstar Retirement Manager is a comprehensive investment advisory service designed to help employees manage their retirement account online. Retirement Manager helps investors answer one of the most common questions about their retirement plan — which investments should I choose?

Morningstar Retirement Manager provides a personalized retirement strategy, that:

• Identifies a target savings level and income goals
• Recommends an asset mix and the most appropriate investments for you

Morningstar Retirement Manager offers the choice of two personalized advisory solutions: Managed by You and Managed by Morningstar. Managed by You is for participants who prefer to manage their own accounts assisted by the recommendations and resources offered by Morningstar. Managed by Morningstar is for retirement plan participants who prefer to have their accounts managed by the investment professionals at Morningstar. Participants can choose the solution that bests fits their particular investing style.

Every HART member can take advantage of either of these options. There is no cost for the Managed by You service and the cost for Managed by Morningstar is 0.40%. The detailed Investment Advisory Agreement (terms and conditions) will be available once a participant enters the HART web-site. For technical issues or questions about Morningstar Retirement Manager, a participant support line is available.

HART is dedicated to providing solutions that help participants make wise decisions about saving for retirement.

It is our pleasure to serve on your behalf, and we thank you for your continued support.