THE NTCA SAVINGS PLAN

A retirement plan that reflects your values.

T H E N T C A S AV I N G S P L A N

Dear Eligible Employee:

Financial planning professionals suggest that when you retire, you will need to replace 85% of pre-retirement income in order to maintain your standard of living. How will you fund your retirement?

The NTCA Savings Plan can be a great way to invest for your retirement. As an employee eligible to participate in the plan, you have access to:

• Online account management tools to help you manage your assets as you plan for retirement.

• A variety of investment options, making it easier for you to develop a well-diversified investment portfolio.

• Immediate tax savings: Your pretax contributions are deducted from your pay before income taxes are taken out. This means that you can actually lower the amount of income tax withheld each payroll period.

To get started, review the information in this guide. Complete the forms included in the rear of the guide and forward them to your HR or benefits manager. If you have already completed and returned the forms enclosed at the back of this guide, you do not need to fill them out again. Once your retirement account is established, you can select your investment options by calling 1-888-682-2352. Alternatively, you can access your account online at www.netbenefits.com/NTCA.

We hope the investment options and other resources offered through the plan will encourage you to take full advantage of your NTCA Savings Plan and help you secure a more comfortable retirement.

Sincerely,

Shirley Bloomfield, Chief Executive Officer NTCA–The Rural Broadband Association

30 Town Square Boulevard, Suite 300 • Asheville, NC 28803 Phone/828-252-9776 • Fax/828-255-9510 • www.ntca.org

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Frequently asked questions about your plan.Here are answers to questions you may have about the key features, benefits, and rules of your plan.

How do I enroll in the Plan?

Complete the applicable forms and returnthem to your Benefits Office or manager.

What is the IRS contribution limit?

The IRS contribution limit for 2021 is $19,500.

What are my investment options?

To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuits your goals, time horizon, and risktolerance. The many investment optionsavailable through the Plan includeconservative, moderately conservative, andaggressive funds. A complete description ofthe Plan’s investment options and theirperformance, as well as planning tools to helpyou choose an appropriate mix, are availableonline.

What if I don’t make an investmentelection?

We encourage you to take an active role in ThePlan and choose investment options that bestsuit your goals, time horizon, and risktolerance. If you do not select specificinvestment options in the Plan, yourcontributions will be invested in the FIAMIndex Target Date Commingled Pool Class Ywith the target retirement date closest to theyear you might retire, based on your currentage and assuming a retirement age of 65, atthe direction of NTCA.

If no date of birth or an invalid date of birth ison file at Fidelity, your contributions may beinvested in the FIAM Index Target Date IncomeCommingled Pool Class Y. More informationabout the FIAM Index Target Date

Commingled Pool Class Y options can befound online.

Target Date Funds are an asset mix of stocks,bonds and other investments thatautomatically becomes more conservative asthe fund approaches its target retirement dateand beyond. Principal invested is notguaranteed.

What catch-up contribution can I make?

If you have reached age 50 or will reach 50during the calendar year January 1 –December 31 and are making the maximumplan or IRS contribution, you may make anadditional catch-up contribution each payperiod. The maximum annual catch-upcontribution is $6,500. Going forward, catch-upcontribution limits will be subject to cost ofliving adjustments (COLAs) in $500 increments.

When am I vested?

Vesting is the portion of your account balancethat you are entitled to under the plan rules.You are always 100% vested in yourcontributions and in any contributions youremployer may have made to the Plan and anyearnings on those contributions.

Can I take a loan from my account?

Although your plan account is intended for thefuture, you may borrow from your account forvarious financial hardship reasons, if youremployer permits loans (see your Plandocument for specific guidelines).

Learn more about and/or request a loanonline, or by calling Fidelity at 1-888-682-2352.

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Can I make withdrawals?

Withdrawals from the Plan are generallypermitted when you terminate youremployment, retire, reach age 59½, becomepermanently disabled, have severe financialhardship, as defined by your plan.

Learn more about and/or request a withdrawalonline, or by calling Fidelity at 1-888-682-2352.

Can I move money from another retirementplan into my account in the Savings Plan?

You are permitted to roll over eligible pretaxcontributions from another 401(k) plan, 401(a)plan, 403(b) plan, governmental 457(b)retirement plan account, or eligible pretaxcontributions from conduit individualretirement accounts (IRAs). A conduit IRA isone that contains only money rolled over froman employer-sponsored retirement plan thathas not been mixed with regular IRAcontributions. Additional information can beobtained online, or by calling Fidelity at1-888-682-2352. You should consult your taxadviser and carefully consider the impact ofmaking a rollover contribution to youremployer’s Plan because it could affect youreligibility for future special tax treatments.

Be sure to consider all your availableoptions and the applicable fees and featuresof each before moving your retirementassets.

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Investment OptionsHere is a list of investment options for The Plan. For up-to-dateperformance information and other fund specifics, goto www.netbenefits.com/NTCA.

Target Date Funds

Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investmentoptions shown in the other risk spectrums.

ptions to the left have potentiallymore inflation risk and less investment risk

ptions to the right have potentially less inflation risk and more investment risk

Investment o Investment o

FIAM Index Target Date Income

Commingled Pool Class Y

FIAM Index Target Date 2005


























Target date investments are generally designed for investors expecting to retire around the year indicated in each investment‘sname. The investments are managed to gradually become more conservative over time. The investment risks of each target dateinvestment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, includingequity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, smallcap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.

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The chart below lists the assigned fund The Plan believes will best fit your diversification needsshould you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1938 FIAM Index Target Date Income Commingled

Pool Class Y

Retired before 2003

January 1, 1938 - December 31, 1942 FIAM Index Target Date 2005 Commingled

Pool Class Y

Target Years 2003 - 2007


Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y



Pool Class Y


January 1, 1998 and later* FIAM Index Target Date 2065 Commingled

Pool Class Y

Target Years 2063 and beyond

*Dates selected by Plan Sponsor

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Core Investment Options

ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

SHORT-TERMINVESTMENT BOND STOCKS AND

BONDS STOCKS

Stable Value Bond Balanced/Hybrid Domestic Equities International/

Global Specialty

Stable ValueFund

Diversified

Vanguard TotalBond MarketIndex FundInstitutionalShares

High Yield

PIMCO HighYield FundInstitutionalClass

Fidelity® Puritan® Fund -Class K

Large Value

J.P. MorganEquity IncomeSeparateAccount

Mid Value

Fidelity® Low-Priced StockFund - Class K

Small Value

PGIM QMASmall-Cap ValueFund- Class Z

Large Blend

Fidelity® 500Index Fund

Small Blend

Loomis SaylesSmall CapitalValue FundInstitutionalClass

Large Growth

BlackRockRussell 1000® GrowthIndex Fund

Mid Growth

Fidelity® ExtendedMarketIndex Fund

Small Growth

Vanguard Russell2000 GrowthIndex FundInstitutionalShares

Diversified

BlackRockInternationalIndex Fund

Fidelity® DiversifiedInternationalFund - Class K

EmergingMarkets

VanguardEmergingMarkets StockIndex FundAdmiral Shares

Fidelity® RealEstateIndex Fund

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 08/31/2021.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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ink® Fidelity BrokerageLink®

Fidelity BrokerageLink® gives you the opportunity to invest in an expandedrange of investment choices to manage your plan.

available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments

investments beyond those in your plan’s standard lineup..BrokerageLink includes

available through BrokerageLink. It is your responsibility to ensure that the

brokerage commission schedule, and brochure, go to netbenefits.com

investments you select are suitable for your situation, including your goals,To enroll, and for more information about

You should compare investments and share classes that are available in your plan’s

and click on "Quick Links," then select "BrokerageLink."

BrokerageLink, including the Plan's BrokerageLink fact sheet, the

lineup with those available through BrokerageLink, and determine the

time horizon, and risk tolerance.

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Investment OptionsBefore investing in any mutual fund, consider the investment objectives,risks, charges, and expenses. Contact Fidelity for a mutual fundprospectus or, if available, a summary prospectus containing thisinformation. Read it carefully.

BlackRock International Index Fund

VRS Code: 896023

Fund Objective: The Fund is an "index fund" that seeks investment results that correspond generally to the price and yieldperformance, before fees and expenses, of a particular index (its "Underlying Index").

Fund Strategy: The Fund is a collective investment trust maintained and managed by BlackRock Institutional Trust Company,N.A. ("BTC"). The Fund shall be invested and reinvested in a portfolio or portfolios of international equity securities whosetotal rates of return will approximate the capitalization weighted total rates of return of the markets in certain countries forequity securities, including securities traded in the United States of America and Canada. The primary criterion for selection ofinvestments in the Fund shall be the MSCI World ex-U.S. IndexSM Free. BTC uses a "passive" or indexing approach to try toachieve the Fund’s investment objective. Unlike many funds, the Fund does not try to outperform the index it seeks to trackand does not seek temporary defensive positions when markets decline or appear overvalued. BTC uses a replication indexing strategy to manage the Fund. "Replication" is an indexing strategy in which the Fundgenerally invests in substantially all of the securities in its Underlying Index in approximately the same proportions as in theUnderlying Index. The Fund may invest through one or a series of collective investment trusts managed and trusteed by BTC. When deemed appropriate by BTC and unless otherwise provided in the Fund’s investment strategies, BTC may invest all orany portion of the Fund in one or more futures contracts, forward contracts or other similar assets for the purpose of acting as atemporary substitute for investment in securities. In the event of a conflict between this summary description of the Fund’s investment objective and principal investmentstrategies and the Trust Document under which the Fund was established, the Trust Document will govern. For moreinformation related to the Fund, please see the Fund’s Trust Document, Profile and most recent audited financial statements.

Fund Risk: Any of the principal risks summarized below may adversely affect the Fund’s net asset value, performance, andability to meet its investment objective. An investment in the Fund is not a bank deposit, is not guaranteed by BlackRock, Inc.or any of its affiliates, and is not insured by the Federal Deposit Insurance Corporation or any other agency of the U.S.government. Underlying Fund Risk. The investment objective and strategies of a collective investment trust in which the Fund invests(’Underlying Fund’) may differ from the Fund, and there is no assurance that an Underlying Fund will achieve its objective. Equity Securities Risk. Equity securities are subject to changes in value that may be more volatile than other asset classes. Foreign Investment Risk. The Fund may suffer losses due to political, legal, economic and geographic events affecting a non-U.S. issuer or market. Foreign government issuers may be unable or unwilling to repay principal or interest when due, and theprices of these securities may be more volatile than those issued by corporations or other governments. Securities of non-U.S.issuers denominated in non-U.S. currencies will expose the Fund to fluctuations in foreign currency exchange prices. Securities Lending Risk. The Fund may engage in securities lending. Securities lending involves the risk that the Fund maylose money because the borrower of the Fund’s securities fails to return the securities in a timely manner or at all or in theevent of a decline in the value of the collateral provided for loaned securities or a decline in the value of any investments madewith cash collateral. Derivatives Risk. Investments in derivatives (such as futures contracts, forward contracts, swaps and options) may reduce theFund’s returns and/or increase volatility. Fluctuations in the values of derivatives may not correlate perfectly with the overallsecurities markets. Derivatives are also subject to the risk that the other party in the transaction will not fulfill its contractualobligation. The possible lack of a liquid secondary market for derivatives could expose the Fund to losses. Small-Capitalization Companies Risk. Compared to mid- and large-capitalization companies, small-capitalization companiesmay be less stable and their securities may be more volatile and less liquid. Mid-Capitalization Companies Risk. Compared to large-capitalization companies, mid-capitalization companies may be lessstable and more susceptible to adverse developments and their securities may be more volatile and less liquid.

Fund short term trading fees: None

Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.

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Footnotes:● The investment option is a unitized collective investment trust. This description is only intended to provide a brief overview of

the fund.

● Morgan Stanley Capital International (MSCI) World ex-US Index is a market capitalization weighted index of equity securitiesof companies domiciled in various countries. The Index is designed to represent the performance of developed stockmarkets throughout the world and excludes certain market segments unavailable to U.S. based investors.

● BlackRock’s MSCI World ex-U.S. Index Fund is not a mutual fund, and is managed by BlackRock.

● This investment option is not a mutual fund.

BlackRock Russell 1000® Growth Index Fund

VRS Code: 012798

Fund Objective: The Fund is an "index fund" that seeks investment results that correspond generally to the price and yieldperformance, before fees and expenses, of a particular index (its "Underlying Index").

Fund Strategy: The Fund is a collective investment trust maintained and managed by BlackRock Institutional Trust Company,N.A. ("BTC"). The Fund shall be invested and reinvested in a portfolio of equity securities with the objective of approximatingas closely as practicable the capitalization weighted total rate of return of the segment of the United States market for publiclytraded equity securities represented by the 1,000 largest capitalized companies. Of those 1,000 companies, the Growth Indexrepresents those with a greater-than-median orientation towards growth. Companies in this index generally have higherforecasted growth values than more value-oriented securities. The criterion for the selection of investments shall be the Russell1000 ® Growth Index. BTC uses a "passive" or indexing approach to try to achieve the Fund’s investment objective. Unlikemany funds, the Fund does not try to outperform the index it seeks to track and does not seek temporary defensive positionswhen markets decline or appear overvalued. BTC uses a replication indexing strategy to manage the Fund. "Replication" is an indexing strategy in which the Fundgenerally invests in substantially all of the securities in its Underlying Index in approximately the same proportions as in theUnderlying Index. The Fund may invest through one or a series of collective investment trusts managed and trusteed by BTC. When deemed appropriate by BTC and unless otherwise provided in the Fund’s investment strategies, BTC may invest all orany portion of the Fund in one or more futures contracts, forward contracts or other similar assets for the purpose of acting as atemporary substitute for investment in securities. In the event of a conflict between this summary description of the Fund’s investment objective and principal investmentstrategies and the Trust Document under which the Fund was established, the Trust Document will govern. For moreinformation related to the Fund, please see the Fund’s Trust Document, Profile and most recent audited financial statements.

Fund Risk: Any of the principal risks summarized below may adversely affect the Fund’s net asset value, performance, andability to meet its investment objective. An investment in the Fund is not a bank deposit, is not guaranteed by BlackRock, Inc.or any of its affiliates, and is not insured by the Federal Deposit Insurance Corporation or any other agency of the U.S.government. Underlying Fund Risk. The investment objective and strategies of a collective investment trust in which the Fund invests(’Underlying Fund’) may differ from the Fund, and there is no assurance that an Underlying Fund will achieve its objective. Equity Securities Risk. Equity securities are subject to changes in value that may be more volatile than other asset classes. Securities Lending Risk. The Fund may engage in securities lending. Securities lending involves the risk that the Fund maylose money because the borrower of the Fund’s securities fails to return the securities in a timely manner or at all or in theevent of a decline in the value of the collateral provided for loaned securities or a decline in the value of any investments madewith cash collateral. Derivatives Risk. Investments in derivatives (such as futures contracts, forward contracts, swaps and options) may reduce theFund’s returns and/or increase volatility. Fluctuations in the values of derivatives may not correlate perfectly with the overallsecurities markets. Derivatives are also subject to the risk that the other party in the transaction will not fulfill its contractualobligation. The possible lack of a liquid secondary market for derivatives could expose the Fund to losses.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation.

● Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.

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Footnotes:● The investment option is a unitized collective investment trust. This description is only intended to provide a brief overview of

the fund.

● The Russell 1000® Growth Index is an unmanaged market capitalization-weighted index of growth-oriented stocks of thelargest U.S. domiciled companies that are included in the Russell 1000 Index. Growth-oriented stocks tend to have higherprice-to-book ratios and higher forecasted growth values.

● The Russell 1000® Index is an unmanaged market capitalization-weighted index measuring the performance of the 1,000largest companies in the Russell 3000® Index and is an appropriate index for broad-based large-cap funds.

● The Russell 3000® Index is an unmanaged market capitalization-weighted index that includes the 3,000 largest U.S.companies representing approximately 98 percent of the investable U.S. equity market.


FIAM Index Target Date 2005 Commingled Pool Class Y

VRS Code: 003852

Fund Objective: Seeks high total current income and, as a secondary objective, capital appreciation.

Fund Strategy: Designed for investors who anticipate retiring in or within a few years of the pool’s target retirement year at oraround age 65. Investing primarily in a combination of U.S. equity pools, international equity pools, bond pools, and short-termpools, each of which (excluding any money market pool) seeks to provide investment results that correspond to the total returnof a specific index. Allocating assets among underlying pools according to a "neutral" asset allocation strategy that adjustsover time until it reaches an allocation similar to that of the FIAM Index Target Date Income Commingled Pool approximately10 to 19 years after the target year. Ultimately, the pool may merge with the FIAM Index Target Date Income Commingled Pool.The portfolio manager may modify the pool’s neutral asset allocations from time to time when in the interests of investors.Buying and selling futures contracts (both long and short positions) in an effort to manage cash flows efficiently, remain fullyinvested, or facilitate asset allocation. A revised neutral asset allocation strategy for the pool is expected to take effect by theend of the third quarter of 2022. During the third quarter of 2021, the Adviser will begin transitioning the neutral assetallocation percentages to achieve the desired allocations.

Fund Risk: Investment performance of the FIAM Target Date products depends on the performance of the underlyinginvestment options and on the proportion of the assets invested in each underlying investment option. The investment risk ofeach FIAM Target Date Commingled Pool changes over time as its asset allocation changes. These risks are subject to theasset allocation decisions of the portfolio manager. The pools are subject to the volatility of the financial markets, includingthat of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing inhigh-yield, small-cap, commodity-linked, and foreign securities. The pools are subject to the risks associated with investing in apassively managed underlying pool in which the passively managed underlying pool’s performance could be lower than anactively managed pool that shifts its portfolio assets to take advantage of market opportunities or lessen the impact of amarket decline or a decline in the value of one or more issuers. Leverage can increase market exposure, magnify investmentrisks, and cause losses to be realized more quickly. FIAM reserves the right to buy and sell futures contracts (both long andshort positions) in any target date pool in an effort to manage cash flows efficiently, remain fully invested, or facilitate assetallocation. No target date investment option is considered a complete retirement program and there is no guarantee anysingle investment option will provide sufficient retirement income at or through retirement. Principal invested is notguaranteed at any time, including at or after the pools’ target dates.’


Who may want to invest:● Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the

volatility of diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or whodoes not feel comfortable making asset allocation choices over time.

Footnotes:● The investment option is a collective investment trust. It is managed by Fidelity Institutional Asset Management. This

description is only intended to provide a brief overview of the fund.


● The inception date of this Y share class of the Pool was 01/08/2016. The earliest share class of this Pool had an inception dateof 07/02/2007. Performance between the inception date of the earliest share class and the inception date of this Y share classwas calculated by subtracting Class Y’s management fee and the Pool’s net administrative expenses for that period from thePool’s gross performance.

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VRS Code: 003853













VRS Code: 003854



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VRS Code: 003855

Fund Objective: Seeks high total return until its target retirement date. Thereafter, the pool’s objective will be to seek highcurrent income and, as a secondary objective, capital appreciation.


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VRS Code: 003856



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Who may want to invest:● Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to

accept the volatility of the markets.







VRS Code: 003857



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VRS Code: 003858



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VRS Code: 003859



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VRS Code: 003860



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VRS Code: 003861



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VRS Code: 003862



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● FIAMTC has claimed an exemption from registration under the Commodity Futures Trading Commission rules for itsmanagement of its pools, and neither the top level pool, nor the underlying pools, are subject to registration or regulationunder the Commodity Exchange Act.




VRS Code: 003863



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VRS Code: 003445



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FIAM Index Target Date Income Commingled Pool Class Y

VRS Code: 003851


Fund Strategy: Investing primarily in a combination of domestic U.S. equity pools, international equity pools, bond pools, andshort-term pools, each of which (excluding any money market pools) seeks to provide investment results that correspond to thetotal return of a specific index. Allocating assets according to a stable neutral asset allocation strategy. A revised neutral assetallocation strategy (approximately 11% in U.S. equity pools, 8% in international equity pools, 43% in U.S. investment gradebond pools, 5% in international bond pools, 3% in long-term treasury bond pools, 20% in inflation-protected bond pools, and10% in short-term pools) is expected to take effect by the end of the third quarter of 2022. During the third quarter of 2021, theportfolio manager will begin transitioning the neutral asset allocation percentages to achieve the desired allocations. Theportfolio manager may modify the pool’s neutral asset allocations from time to time when in the interests of shareholders.(approximately 11% in domestic equity funds, 8% in international funds, 59% in bond funds, and 22% in short-term funds). Theportfolio manager may modify the fund’s pool’s neutral asset allocations from time to time when in the interests of investors.Buying and selling futures contracts (both long and short positions) in an effort to manage cash flows efficiently, remain fullyinvested, or facilitate asset allocation.

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Fund Risk: Investment performance of the FIAM Target Date products depends on the performance of the underlyinginvestment options and on the proportion of the assets invested in each underlying investment option. The pool is subject torisks resulting from the asset allocation decisions of the portfolio manager. The pool is subject to the volatility of the financialmarkets, including that of equity and fixed income investments. Fixed income investments entail issuer default and credit risk,inflation risk, and interest rate risk (as interest rates rise, bond prices usually fall and vice versa). This effect is usually morepronounced for longer term securities. The pools are subject to the risks associated with investing in a passively managedunderlying pool in which the passively managed underlying pool’s performance could be lower than an actively managed poolthat shifts its portfolio assets to take advantage of market opportunities or lessen the impact of a market decline or a decline inthe value of one or more issuers. Leverage can increase market exposure, magnify investment risks, and cause losses to berealized more quickly. FIAM reserves the right to buy and sell futures contracts (both long and short positions) in any targetdate pool in an effort to manage cash flows efficiently, remain fully invested, or facilitate asset allocation. No target dateinvestment option is considered a complete retirement program and there is no guarantee any single investment option willprovide sufficient retirement income at or through retirement. Principal invested is not guaranteed at any time, including at orafter the pools’ target dates.’


Who may want to invest:● Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of

diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option and lookingprimarily for the potential for income and, secondarily, for share-price appreciation.





Fidelity® 500 Index Fund

VRS Code: 002328

Fund Objective: Seeks to provide investment results that correspond to the total return (i.e., the combination of capitalchanges and income) performance of common stocks publicly traded in the United States.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the S&P 500 Index, which broadlyrepresents the performance of common stocks publicly traded in the United States.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income.

● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.

Footnotes:● This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed

information about the fund.

● The S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, andindustry group representation to represent U.S. equity performance.

● Returns prior to May 4, 2011 are those of the Premium Class and reflect the Premium Class’ expense ratio. Had theInstitutional Premium Class’ expense ratio been reflected, total returns would have been higher.

Fidelity® Diversified International Fund - Class K

VRS Code: 002082

Fund Objective: Seeks capital growth.

Fund Strategy: Normally investing primarily in non-U.S. securities. Normally investing primarily in common stocks.

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Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks, all of which are magnified in emerging markets.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



● On May 9, 2008, an initial offering of the retirement (K) class took place. Returns and expenses prior to that date are those ofthe non-K, non-advisor class. Had K class expenses been reflected in the returns shown, total returns would have been higher.

Fidelity® Extended Market Index Fund

VRS Code: 002365

Fund Objective: Seeks to provide investment results that correspond to the total return stocks of mid- to small-capitalizationUnited States companies.

Fund Strategy: Normally investing at least 80% of assets in common stocks included in the Dow Jones U.S. Completion TotalStock Market Index, which represents the performance of stocks of mid- to small-capitalization U.S. companies.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Investments in smaller companies may involve greater risks than thosein larger, more well known companies.



● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.



● The Dow Jones U.S. Completion Total Stock Market Index is an unmanaged index that represents all U.S. equity issues withreadily available prices, excluding components of the S&P 500.

● Returns prior to September 8, 2011 are those of the Premium Class and reflect the Premium Class’ expense ratio. Had theInstitutional Premium Class’ expense ratio been reflected, total returns would have been higher.

Fidelity® Low-Priced Stock Fund - Class K

VRS Code: 002095

Fund Objective: Seeks capital appreciation.

Fund Strategy: Normally investing primarily in common stocks. Normally investing at least 80% of assets in low-priced stocks(those priced at or below $35 per share or with an earnings yield at or above the median for the Russell 2000 Index), which canlead to investments in small and medium-sized companies. Earnings yield represents a stock’s earnings per share for the mostrecent 12-months divided by current price per share. Potentially investing in stocks not considered low-priced. Investing indomestic and foreign issuers. Investing in either "growth" stocks or "value" stocks or both. Using fundamental analysis offactors such as each issuer’s financial condition and industry position, as well as market and economic conditions, to selectinvestments.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks. The securities of smaller, less well-known companies can be more volatile than those of largercompanies.



● Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.

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● The Russell 2000® Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S.domiciled companies.


Fidelity® Puritan® Fund - Class K

VRS Code: 002100

Fund Objective: Seeks income and capital growth consistent with reasonable risk.

Fund Strategy: Investing approximately 60% of assets in stocks and other equity securities and the remainder in bonds andother debt securities, including lower-quality debt securities, when its outlook is neutral. Investing at least 25% of total assets infixed-income senior securities (including debt securities and preferred stock). Engaging in transactions that have a leveragingeffect on the fund.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Fixed income investments entail interest rate risk (as interest rates risebond prices usually fall), the risk of issuer default, issuer credit risk and inflation risk. Foreign securities are subject to interestrate, currency exchange rate, economic, and political risks. Lower-quality bonds can be more volatile and have greater risk ofdefault than higher-quality bonds. Leverage can increase market exposure and magnify investment risk.


Who may want to invest:● Someone who is seeking to invest in a fund that invests in both stocks and bonds.

● Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing toaccept the volatility of the bond and stock markets.




Fidelity® Real Estate Index Fund

VRS Code: 002355

Fund Objective: The fund seeks to provide investment results that correspond to the total return of equity REITs and other realestate-related investments.

Fund Strategy: Normally investing at least 80% of assets in securities included in the MSCI US IMI Real Estate 25/25 Index.

Fund Risk: Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, or economic developments. Foreign securities are subject to interest rate, currency exchange rate,economic, and political risks. Changes in real estate values or economic downturns can have a significant negative effect onissuers in the real estate industry. The value of securities of issuers in the real estate industry can be affected by changes in realestate values and rental income, property taxes, interest rates, tax and regulatory requirements, and the management skill andcreditworthiness of the issuer. The performance of the fund and its index may vary somewhat due to factors such as fees andexpenses of the fund, transaction costs, sample selection, regulatory restrictions, and timing differences associated withadditions to and deletions from its index.


Who may want to invest:● Someone who is willing to accept the potentially lower diversification and higher risks associated with investing in a particular

industry or sector.

● Someone who is seeking to complement his or her core holdings with investments concentrated in a particular sector orindustry.



● The MSCI US IMI Real Estate 25/25 Index measures U.S. publicly traded real estate securities. It screens for market cap,liquidity and percentage of revenue derived from ownership and operation of real estate securities. It is float-adjusted marketcap weighted. It is quoted in USD.

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J.P. Morgan Equity Income Separate Account

VRS Code: 024365

Fund Objective: The investment seeks capital appreciation and current income.

Fund Strategy: Under normal circumstances, at least 80% of the fund’s assets will be invested in the equity securities ofcorporations that regularly pay dividends, including common stocks and debt securities and preferred stock convertible tocommon stock. Although the fund invests primarily in securities of large cap companies, it may invest in equity investments ofcompanies across all market capitalizations.

Fund Risk: Value stocks can perform differently than other types of stocks and can continue to be undervalued by the marketfor long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political,regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional riskinformation for this product may be found in the prospectus or other product materials, if available.



● Someone who is comfortable with the volatility of large-cap stocks and value-style investments.

Footnotes:● J.P. Morgan Equity Income Separate Account is a separate portfolio managed by J.P. Morgan Asset Management, exclusively

for the National Telecommunications Cooperative Association and its members. This description is only intended to providea brief overview of the fund.

● The J.P. Morgan Equity Income Separate Account has an investment management base fee of 0.42% of the fund’s averagenet assets annually. This investment management base fee will accrued daily and will be reflected through the Net AssetValue (NAV).


Loomis Sayles Small Capital Value Fund Institutional Class

VRS Code: 847962

Fund Objective: The investment seeks long-term capital growth from investments in common stocks or other equity securities.

Fund Strategy: The fund normally will invest at least 80% of its net assets (plus any borrowings made for investment purposes)in the equity securities of "small-cap companies," including preferred stocks, warrants, securities convertible into common orpreferred stocks and other equity-like interests in an entity. Currently, the manager defines a small-cap company to be onewhose market capitalization falls within the capitalization range of the Russell 2000® Index, an index that tracks stocks of 2,000of the smallest U.S. companies.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valueand growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks cancontinue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly inresponse to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified inforeign markets. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatilityof investments in smaller companies.



● The Russell 2000 Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S.domiciled companies.

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PGIM QMA Small-Cap Value Fund- Class Z

VRS Code: 849668

Fund Objective: The investment seeks above-average capital appreciation.

Fund Strategy: The fund normally invests at least 80% of its investable assets in equity and equity-related securities of small-cap companies. The subadviser considers small-cap companies to be companies with market capitalizations within the marketcap range of companies included in the Russell 2000 Index or the S&P SmallCap 600 Index. Most assets will typically beinvested in U.S. equity and equity-related securities, including up to 25% of total assets in real estate investment trusts (REITs).

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valuestocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods oftime. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.



● Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.



● The Russell 2000® Index is an unmanaged market capitalization-weighted index of 2,000 small company stocks of U.S.domiciled companies.

● The S&P SmallCap 600 Index measures the small-cap segment of the U.S. equity market. The index is designed to trackcompanies that meet specific inclusion criteria to ensure that they are liquid and financially viable.

PIMCO High Yield Fund Institutional Class

VRS Code: 893596

Fund Objective: The investment seeks maximum total return, consistent with preservation of capital and prudent investmentmanagement.

Fund Strategy: The fund invests at least 80% of its assets in high yield investments ("junk bonds"), which may be representedby forwards or derivatives. It may invest up to 20% of its total assets in securities rated Caa or below by Moody’s, orequivalently rated by S&P or Fitch, or, if unrated, determined by PIMCO to be of comparable quality. The fund may invest,without limitation, in derivative instruments, such as options, futures contracts or swap agreements, or in mortgage- or asset-backed securities.

Fund Risk: The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due topotential changes in the credit quality of the issuer. In general the bond market is volatile, and fixed income securities carryinterest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced forlonger-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers andcounterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by pricevolatility by holding them until maturity is not possible. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone interested in a bond fund that provides the potential for both current income and share-price appreciation.

● Someone who is seeking to complement his or her core bond holdings with a bond investment that seeks higher returns fromriskier bonds, and who can tolerate higher risk.



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Stable Value Fund

VRS Code: 098485

Fund Objective: The fund seeks to preserve your principal investment while earning a level of interest income that isconsistent with principal preservation. The fund seeks to maintain a stable net asset value (NAV) of $1 per share, but it cannotguarantee that it will be able to do so. The yield of the fund will fluctuate.

Fund Strategy: The fund invests in benefit-responsive investment contracts issued by insurance companies and other financialinstitutions ("Contracts"), fixed income securities, and money market funds. Under the terms of the Contracts, the assets of thefund are invested in fixed income securities (which may include, but are not limited to, U.S. Treasury and agency bonds,corporate bonds, mortgage-backed securities, commercial mortgage-backed securities, asset-backed securities, and collectiveinvestment vehicles and shares of investment companies that invest primarily in fixed income securities) and shares of moneymarket funds. At the time of purchase, all Contracts and securities purchased for the fund must satisfy the credit qualitystandards specified in the fund’s investment guidelines.

Fund Risk: The Contracts and securities purchased for the fund are backed solely by the financial resources of the issuers ofsuch Contracts and securities. An investment in the fund is not insured or guaranteed by the manager(s), the plan sponsor, thetrustee, the FDIC, or any other government agency. The Contracts purchased by the fund permit the fund to account for thefixed income securities at book value (principal plus interest accrued to date). Through the use of book value accounting, thereis no immediate recognition of investment gains and losses on the fund’s securities. Instead, gains and losses are recognizedover time by periodically adjusting the interest rate credited to the fund under the Contracts. However, while the fund seeks topreserve your principal investment, it is possible to lose money by investing in this fund. The Contracts provide for the paymentof certain withdrawals and exchanges at book value during the terms of the Contracts. In order to maintain the Contractissuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subject the fund and its participants tocertain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, early retirement windows, spin-offs, saleof a division, facility closings, plan terminations, partial plan terminations, changes in laws or regulations) may be paid at themarket value of the fund’s securities, which may be less than your book value balance.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.


Who may want to invest:● Someone who seeks a slightly higher yield over the long term than is offered by money market funds, but who is willing to

accept slightly more investment risk.

● Someone who is interested in balancing an aggressive portfolio with an investment that seeks to provide stability of price.

Footnotes:● The investment option is a stable value fund. It is managed by Fidelity Management Trust Company. This description is only

intended to provide a brief overview of the fund.


Vanguard Emerging Markets Stock Index Fund Admiral Shares

VRS Code: 895874

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return ofstocks issued by companies located in emerging market countries.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the FTSE EmergingMarkets All Cap China A Inclusion Index. It invests by sampling the index, meaning that it holds a broadly diversified collectionof securities that, in the aggregate, approximates the index in terms of key characteristics.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, economic or other developments. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is willing to accept the higher degree of risk associated with investing in emerging markets.

● Someone who is seeking to complement a portfolio of domestic investments and/or international investments in developedcountries with investments in developing countries, which can behave differently.

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● The FTSE Emerging Markets All Cap China A Inclusion Index is a market capitalization weighted index representing theperformance of large, mid and small cap stocks in Emerging markets.

● The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 06/23/2006. These calculated returns reflect the historical performance of the oldest share class of the fund, withan inception date of 05/04/1994, adjusted to reflect the fees and expenses of this share class (when this share class’s fees andexpenses are higher.) Please refer to a fund’s prospectus for information regarding fees and expenses. These adjustedhistorical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied byother entities, including the fund itself.

Vanguard Russell 2000 Growth Index Fund Institutional Shares

VRS Code: 869004

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return ofsmall-capitalization growth stocks in the United States.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the Russell 2000® Growth Index. The index is designed to measure the performance of small-capitalization growth stocks in the United States.The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocks that make upthe index, holding each stock in approximately the same proportion as its weighting in the index.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growthstocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.



● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.




● The Russell 2000 Growth Index is an unmanaged market capitalization-weighted index of growth-oriented stocks of U.S.domiciled companies that are included in the Russell 2000 Index. Growth-oriented stocks tend to have higher price-to-bookratios and higher forecasted growth values.

Vanguard Total Bond Market Index Fund Institutional Shares

VRS Code: 844511

Fund Objective: The investment seeks to track the performance of the Bloomberg Barclays U.S. Aggregate Float AdjustedIndex.

Fund Strategy: This index measures the performance of a wide spectrum of public, investment-grade, taxable, fixed incomesecurities in the United States-including government, corporate, and international dollar-denominated bonds, as well asmortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of the fund’s investments will beselected through the sampling process, and at least 80% of its assets will be invested in bonds held in the index.

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Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Additional risk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.



● The Bloomberg U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade, taxable, fixedincome securities in the United States-including government, corporate, and international dollar-denominated bonds, as wellas mortgage-backed and asset-backed securities-all with maturities of more than 1 year.


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If this change results in the cease of R&S Program Participation, please provide final W-2+ compensation below:

NTCA Savings PlanContribution Election Form

Use this form to authorize your employer to withhold money from your pay and contribute it to the NTCA Savings Plan. Unless otherwise instructed by your employer, return the completed form to your human resources or benefits representative. You should retain a copy of this form for your records.

PARTICIPANT INFORMATION

Participant Name _________________________________________________ SSN _________________________________

Phone Number ___________________________________________ E-Mail ________________________________________

Member Company Name ___________________________________________ Company Number __________________

CONTRIBUTION ELECTION

Pre-Tax 401(k) Contribution

Please deduct ______% from my eligible compensation on a pre-tax basis, as a designated pre-tax 401(k) contribution.

Roth 401 (k) Contribution

Please deduct ______% from my eligible compensation on an after-tax basis, as a designated Roth 401(k) contribution.

After-Tax Contribution

Please deduct % from my eligible compensation on an after-tax basis.

Note: One or more of the provisions above may not be available through your employer. Please check with your HR or benefits representative.

TERMS AND CONDITIONS

I understand that my election will take effect on a future payroll in accordance with the plan’s requirements and my employer’s adoption of the plan, and that my HR or benefits representative will provide the effective date.

I further understand that minimum and maximum contribution amounts and the right to make Pre-Tax 401(k), Roth 401(k) and After-Tax contributions are subject to established plan limitations, IRS & DOL regulations, and my employer’s adoption of the plan and may be subject to change in the future.

I hereby request and direct my employer to withhold money from my pay and contribute it to the NTCA Savings Plan on my behalf.

Participant Signature ____________________________________________________ Date __________________________

EMPLOYER ACCEPTANCE - To be completed by an authorized employer representative

I am authorized by my employer to accept this contribution election. In accordance with the plan’s requirements, my employer’s adoption of the plan and my employer’s policy regarding contribution elections, I have determined the effective date for this contribution election.

_____________________________ Must be the first day of a payroll period, month or quarter, depending on howEffective date for this election the employer has adopted the plan.

Authorized Member Representative Signature _________________________________ Date ________________________

30 Town Square Boulevard, Suite 300 Ashville, NC 28803 Phone/828-252-9776 Fax/828-255-9510 www.ntca.org

Page 1 of 2 SP1 (03/13)

NTCA Savings PlanContribution Election Form

When will my contribution election take effect? When your election will take effect depends on how your employer has adopted the NTCA Savings Plan. Your human resources or benefits representative will inform you of the effective date, and this election will apply to the first payroll paid on or after the effective date.

Note: Contribution elections must be completed prior to the deferral.

How can I waive participation and stop contributing? This contribution election will remain in effect until changed. To stop contributing to the Plan, simply complete a new NTCA Application form and indicate your intent to waive participation in the Savings Plan. This form is available from your human resources or benefits representative. The completed Application should be submitted to the NTCA billing and eligibility unit.

Glossary of Terms

Pre-Tax 401(k) Contribution refers to the amount which is deducted from your pay before income taxes are calculated. By making pre-tax contributions to the plan, you may reduce your annual federal income tax liability.

For example, if your annual compensation is $30,000, and you contribute $3,000 on a pre-tax basis, your federal taxable income would be reduced to $27,000. Even though you are not taxed on the money during the contri-bution year, distributions are generally fully taxable at your normal income tax rate when the money is with-drawn. If you are under age 59½, the IRS may assess an additional 10% early withdrawal penalty *.

Roth 401(k) Contribution refers to the amount which is deducted from your pay after income taxes are calculat-ed. Roth contributions do not reduce your taxable income in the year made. However, Roth 401(k) contributions and accumulated earnings are not subject to federal income tax when distributed if the distribution is a “quali-fied distribution”. A qualified distribution is one that is:

(1) Made after the account owner has attained age 59 ½, or due to his or her death or disability AND (2) The distribution occurs 5 years after the first Roth contribution is made.

If these qualifications are not met, the earnings would generally be subject to federal income tax and the IRS may assess an additional 10% early withdrawal penalty on the taxable portion of the distribution*.

After-Tax Contribution refers to the amount which is deducted from your paycheck after income taxes are calculated. After-tax contributions do not reduce your federal taxable income in the year made.

After-tax contributions are not subject to federal income tax when withdrawn. However, all earnings are gener-ally subject to federal income tax. If you are under age 59 ½ at the time of the distribution, the IRS may assess an additional 10% early withdrawal penalty on the taxable portion of the distribution *.

*If you separate service from your employer on or after attaining age 55, distributions from the Savings Plan may be exempt from the 10% early withdrawal penalty.

Note: The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax advice. NTCA does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. The information contained herein does not address state, local or other taxes. Laws of a particular state or laws which may be applicable to a particular situation may have an impact on the applicability, accuracy, or completeness of such information. Federal and state laws and regulations are complex and are subject to change. Changes in such laws and regulations may have a material impact. NTCA disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information.

This information contained herein has been provided by NTCA and is solely the responsibility of NTCA

30 Town Square Boulevard, Suite 300 Ashville, NC 28803 Phone/828-252-9776 Fax/828-255-9510 www.ntca.org

Page 2 of 2 SP1 (03/13)

Transfer/Rollover/Exchange Form Instructions

Reference the instructions below while completing the form. For additional assistance, please contact Fidelity Investments at 1-800-343-0860 or, for the hearing impaired, Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday).

1. YOUR INFORMATION

Please provide your information in this section.

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Please review your most recent statement for this name and address, and include a copy of the statement with this form. Please contact your previous investment provider to see if additional paperwork is required.

3. ACCOUNT(S) OR CONTRACT(S) TO MOVE

Account or Contract Number: This number is available on your previous investment provider account statement. If you are unable to locate this number on your statement, please contact the investment provider. If you do not provide an account or contract number, we will use your Social Security number or U.S. Tax Identification number to request the assets to be moved.

Type of Account or Contract: If you are unsure of the type of account or contract, please contact the Previous Investment Provider or refer to your statement. Select at least one.

The Account or Contract Number is from: Please see the descriptions below that relate to each of the four transactions. If you choose “A Previous Employer,” provide the name of that employer.

The Same Employer as My Employer Plan with Fidelity. Movement of assets from 403(b) to 403(b) will be requested as a vendor or contract exchange. Movement of money between the same plan types, excluding 403(b) plans [401(a) to 401(a), 401(k) to 401(k), 457(b) to 457(b)], will be requested as an in-plan transfer. Movement of money between different plan types will be requested as a rollover.

A Previous Employer. For 403(b) and 401(a)/(k) plans, this is a rollover transaction. For governmental 457(b) plans, this is a rollover unless Fidelity receives direction to process as a transfer.

A Rollover IRA. This is a rollover transaction. After-tax value may not be rolled from an IRA.

A Traditional IRA or SEP IRA. This is a rollover transaction. Roth IRAs and Coverdell IRAs cannot be accepted.

Liquidation Amount: Specify the amount of money you want moved to your Fidelity account. If you choose “Full Liquidation/100%,” Fidelity will request your full balance. If you choose “Partial Liquidation,” Fidelity will request the dollar amount or percentage you specify. If you do not specify an amount, Fidelity will move/liquidate 100%. If you are moving 457(b) assets, please be aware that governmental 457(b) assets must be moved into a governmental 457(b) plan, and nongovernmental 457(b) assets must be moved into a nongovernmental 457(b) plan. Transfers from nongovernmental 457(b) plans are not provided for on this form. Talk with your plan sponsor or call Fidelity to discuss transfers from nongovernmental 457(b) plans. Rollovers from 403(b) plans, 401(a)/401(k) plans, and IRAs to governmental 457(b) plans must be recordkept in separate rollover sources to limit the distributions that may be subject to a 10% early distribution penalty.

4. YOUR FIDELITY ACCOUNT INFORMATION

If you do not have a retirement account with Fidelity for the employer listed here, you must complete the enroll-ment process. For help with enrollment, please contact Fidelity at 1-800-343-0860 or for the hearing impaired

Employer Sponsoring Your Fidelity Retirement Account: The employer name appears on your Fidelity account statement or in your enrollment paperwork.

Plan Type with this employer: This information is required to ensure that Fidelity credits your assets to the proper account. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired if you do not know your plan type.

Plan Number: Please provide the plan number if you have multiple retirement plan accounts with Fidelity. Please contact Fidelity at 1-800-343-0860 or for the hearing impaired to obtain the plan number.

022380001

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? If “Yes” is selected, your assets will be allocated to your current investment selection on file with Fidelity. If you do not select “Yes,” please list the fund names, fund codes (if known), and percentages. Please ensure that the percentages equal 100%. Please list any additional funds on a separate page and attach it to this form.

Fund Name: List the fund name(s) you want your assets credited to.

Fund Code: Provide the four-digit fund code(s) (if known).

Percentage: Please ensure that the percentages listed equal 100%.

Note: If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no investment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently in place with Fidelity for the Plan.

6. EMPLOYER PLAN ACCEPTANCE

Employer Authorized Signature: An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired dial 711.

7. SIGNATURE AND DATE

Please read the legal information provided in this section and then sign and date the form. We are unable to process your request without your signature and the date.

Transfer/Rollover/Exchange Form Checklist:

Here is a checklist to ensure that your request is in good order.

Please remember to:

Include your most recent account statement from your previous investment provider.

Indicate the amount or percentage of money you are moving to Fidelity.

Obtain the Employer Authorized Signature. Contact your Human Resources office or Fidelity to verify if this is required.

Sign and date in Section 7 of the form.

OR

If you are sending this using an overnight delivery

Return to: service, please send to:

Fidelity Investments Fidelity Investments 100 Crosby Parkway, Mailzone KC1E

Cincinnati, OH 45277-0090 Covington, KY 41015

Please contact your previous investment provider to see if additional paperwork is required.

Use this checklist to ensure your request is complete:

Remember to return all pages of this form.

Include your most recent account statement from your previous investment provider.

Indicate the amount or percentage of money you are moving to Fidelity.

Sign and date Section 7 of this form.

Please contact your previous provider to see if additional paperwork is required.

Return completed form in a legible condition.

Ways to Return This Form to Fidelity:

Digitally using the NetBenefits® Mobile AppDownload the NetBenefits® app

Tap: Actions > Send a Document

Regular MailFidelity InvestmentsPO Box 770002Cincinnati, OH 45277-0090

Questions?

Call 800-343-0860 or for the hearing impaired dial 711, business days (except NYSE holidays) from 8:00AM – Midnight ET or go to www.Netbenefits.com/atwork.

Overnight MailFidelity Investments100 Crosby Parkway, Mail eCovington, Y 41015through the App Store® or Google PlayTM store.

Transfer/Rollover/Exchange FormInstructions: Use this form to move assets to your Fidelity employer-sponsored retirement account from a previous investment provider. You may also use this form to consolidate multiple employer-sponsored retirement accounts currently at Fidelity. If you do not have a retirement account with Fidelity, you must also complete an Account Application/Enrollment Form or, when available, enroll online at netbenefits.com/atwork. If your current employer does not offer a retirement plan recordkept by Fidelity, your employer needs to establish a retirement plan prior to your vendor or contract exchange, or rollover to a Fidelity account. An incomplete form may delay the processing of your request. Use a separate form for each investment provider.

Unless otherwise instructed by your employer, please return this transfer/rollover/exchange form in the postage-paid envelope

provided OR Return to: If you are sending this using an overnight delivery

Fidelity Investments service, please send to:Fidelity Investments 100 Crosby Parkway, Mailzone KC1E Covington, KY 41015

Questions? Call Fidelity Investments at 1-800-343-0860 or for the hearing impaired dial 711, Monday through Friday, 8 a.m. to midnight Eastern time (excluding New York Stock Exchange holidays, except Good Friday), for assistance with completing this form.

1. YOUR INFORMATIONPlease use a black pen and print clearly in CAPITAL LETTERS.

Social Security # or Tax ID #: Date of Birth:

First Name: Middle Initial:

Last Name:

Mailing Address:

City: State:

ZIP Code:

Daytime Phone: Evening Phone:

Email:

2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM

Name of investment provider you are moving money from

Please include a copy of your most recent account statement from your investment provider.

Provider Street Address:

City: State:

ZIP Code:

Provider Phone: Ext:

Please contact your previous investment provider to see if additional paperwork is required. Use a separate form for each investment provider.

Page 1

(e.g., VALIC, TIAA-CREF, Vanguard, Voya, Lincoln):

022380003

Unless otherwise instructed by your employer, please return this completed form, along with a copy of a recent statement:

Digitally with:

NetBenefits® Mobile AppDownload the NetBenefits® app

Tap:

Actions Send ent

Or use one of these alternate methods:

AIG Retirement, TIAA-CREF, Vanguard, Voya, Lincoln)::

Regular MailFidelity InvestmentsPO Box 770002Cincinnati, OH 45277-0090

Overnight MailFidelity Investments100 Crosby Parkway, KC1ECovington, KY 41015

through the App Store® or Google PlayTM store.

3. ACCOUNT(S) OR CONTRACT(S) TO MOVEPlease provide information about the account(s)/contract(s) you wish to move to Fidelity. If no account or contract numbers are provided, we will use your Social Security number or U.S. Tax ID number to request the assets to be moved. Please make additional copies of this page and the next page if you have more than two accounts/contracts to move.

3A. FIRST ACCOUNT/CONTRACT (if more than one account/contract, please complete section 3B in addition to section 3A)

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental Include Roth 457(b) governmental balance IRA

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection will dictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the previous investment provider to liquidate 100% of my account.

3B. SECOND ACCOUNT/CONTRACT (if applicable).

1. Account/Contract #:

Type: 403(b) Include Roth 403(b) balance 401(a)/(k) Include Roth 401(k) balance

457(b) governmental Include Roth 457(b) governmental balance IRA

2. Please check the box that most accurately reflects the transaction that you are requesting. Note that your selection will dictate how we process this transaction. Please read Section 3 of the instructions for more details.

The Same Employer as My Employer Plan with Fidelity

A Previous Employer

Previous Employer Name:

A Rollover IRA

A Traditional IRA or SEP IRA

3. Liquidation Amount Full Liquidation/100% Partial Liquidation % OR $

Unless otherwise specified, I request the previous investment provider to liquidate 100% of my account.

(select one)

Page 2

(select one)

(select at least one)

(select at least one)

4. YOUR FIDELITY ACCOUNT INFORMATION

If you do not have a retirement account with Fidelity for the employer listed below, or you do not know the plan number or type, please contact Fidelity at 1-800-343-0860 or for the hearing impaired dial 711.

5. INVESTMENT INSTRUCTIONS

Would you like the assets invested in your current investment selection? Yes No (specify below)

Fund Name(s): Fund Code: Percentage:

%

%

%

%

OR

OR

OR

OR

Total = 100%

Employer Sponsoring Your Fidelity Retirement Account: (This name appears on your Fidelity statement, or in your enrollment paperwork.)

City & State of Employer: Are you still employed with this Employer? Yes No

4A. Fidelity Account Information for 3A

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

4B. Fidelity Account Information for 3B

Plan Type: 403(b) 401(a)/(k) 457(b) governmental

Plan Number (if known):

If there is a discrepancy between plan type and plan number, the plan type selected will be used.

Page 3

If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no investment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently in place with Fidelity for the Plan.

6. EMPLOYER PLAN ACCEPTANCE

An authorized signature from the employer that sponsors your Fidelity retirement account may be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for the hearing impaired dial 711.

Employer Authorized Signature: X Date:

Employer Authorized Printed Name: X

Page 4

7. SIGNATURE AND DATE

By signing this form:• I hereby direct the investment provider identified on this form in Section 2 to liquidate the designated amount of the account(s)

listed on this form, and to release the proceeds to my account under my employer’s plan, except to the extent my current employeror any of my former employers prohibit such release. In the event of such prohibition, I hereby direct said investment provider toretain the portion of my account(s) that cannot be released in a separate account or contract and to release the remainder.

• I hereby agree to the terms and conditions stated in this form, including the instructions, and certify that I am requesting a vendoror contract exchange, in-plan transfer, or rollover, of my retirement plan assets in accordance with applicable IRS and plan rules.

• I certify under the penalties of perjury that my Social Security number or U.S. Tax Identification number on this form is correct.• I certify that the information provided on this form is true, accurate, and complete to the best of my knowledge.• I acknowledge that I have read the prospectus(es) for any mutual fund in which I invest and agree to the terms.• I hereby agree that if my assets will be sent to Fidelity in installments, the first installment may be invested according to my

instructions on this form. All subsequent installment payments as well as any residual balances not received within 30 days willbe invested according to the investment elections currently in place with Fidelity for the Plan at the time my assets are receivedby Fidelity.

For 403(b)-to-403(b) vendor or contract exchanges• I understand that any balances I am exchanging from a 403(b)(1) annuity into a 403(b)(7) custodial account may be subject to

more restrictive withdrawal provisions.• I understand that if I exchange a contribution source that is not allowed by the Plan, the value associated with the unacceptable

source will be returned to the investment provider named in Section 2.• I direct Fidelity to treat all monies as pretax contributions made subsequent to 12/31/88 unless my prior investment provider

provides Fidelity with account balances as of 12/31/88 and post-1988 salary reduction contributions.• I direct Fidelity to treat the entire balances as subject to minimum distribution requirements unless my prior investment provider

provides Fidelity with account balances as of 12/31/86.• I direct Fidelity to allocate the entire balance to the most restrictive source in the current employer’s plan unless my prior invest-

ment provider provides Fidelity with the sources of the exchanged amount under the previous plan.

Your Signature: X Date:

26030_02/0116 Fidelity Investments Institutional Operations Company, Inc. Fidelity Investments Institutional Operations Company LLC.

:

The trademarks and service marks appearing herein are the property of their respective owners.

Name ___________________________________________________________________________ SSN ___________________________________

Phone # __________________________ Member Company Name _________________________ Company # ________________________

Are you a: NTCA Savings Plan participant surviving spouse or alternate payee by rule of QDRO?

If you are a surviving spouse or alternate payee, please provide the name and Social Security number of the NTCA Savings Plan participant.

Participant Name ________________________________________________________________ SSN ___________________________________

The NTCA Savings Plan (Money Purchase and/or Profit Sharing Provisions) offers survivor benefits if you are a participant in the plan at the time of your death.

Please complete PART B (below) to designate your beneficiary for these survivor benefits. You should complete this form only if you are a participant in the Savings Plan or in an eligibility period prior to participation. This form will become invalid if you are married and have designated a non-spouse in PART B; you must provide spousal consent in PART C (below) for the designation to be valid. Any future changes in your non-spouse beneficiary designation will require new spousal consent. If you are now unmarried, but marry in the future, your designation of a non-spouse beneficiary will be invalid unless spousal consent is obtained.

I designate _______________________________________________________________________________________________________________

__________________________________________________________________________________________________________________________

as my primary beneficiary (or beneficiaries) to receive, as stated, any benefits payable under the NTCA Savings Plan as a result of my death. Please provide the Social Security numbers and dates of birth of such person(s) and see the reverse side of this form for examples of acceptable beneficiary designations.

In making this designation, I understand the following: 1. For Money Purchase funds, if I am married and the person(s) designated above is not my spouse, my spouse will not be eligible for

either a “qualified preretirement survivor annuity” or a “qualified joint and survivor annuity” as defined in IRS code, section 471(b) and 2.(c) unless my spouse has furnished the consent PART C below.

2. For Money Purchase funds, if I am under age 35 when making this beneficiary designation, the designation will only be valid untilthe first day of the year in which I reach age 35. At that point, if I am married and have designated a non-spouse as my beneficiary,I must file a new Beneficiary Designation Form, including completion of the spousal consent in PART C. If I am unmarried on thefirst day of the year in which I reach age 35, I am not required to complete a new Beneficiary Designation Form.

3. For Profit Sharing funds, if I am married and the person designated above is not my spouse, my spouse will not be eligible for thesingle sum survivor benefits available as of my date of death.

4. This designation revokes any prior designation made by me for the payment of my survivor benefits under the NTCA Savings Plan.

I have read the above information and certify to the same by my signature below.

Participant’s Signature ____________________________________________________________ Date __________________________________


BE8 (03/14)Page 1 of 2

The information contained herein has been provided by NTCA and is solely the responsibility of NTCA.

NTCA Use Only

Initials _______________ Date _________________

Beneficiary Designation FormNTCA-Sponsored Savings Plan

PART A – INSTRUCTIONS

This section must be completed by your spouse and witnessed by a Notary Public if you are married and have designated someone other than your spouse as your beneficiary in PART B (above).

I, _________________________________________________________, do freely consent to ____________________________________________(Beneficiary shown in Part B)

__________________________________________________________________________________________________________________________

being named as the designated beneficiary(ies) to receive the “qualified preretirement survivor annuity” or the “qualified joint and survivor annuity” that would otherwise be payable to me under the Money Purchase Provision of the NTCA Savings Plan or any benefits which would be payable to me under the Profit Sharing Provision of the NTCA Savings Plan.

I acknowledge that I have read Parts A and B and understand the meaning of this “consent.” I further acknowledge that by signing this consent, I am waiving my rights to receive benefits in the event of my spouse’s death while a participant in the Savings Plan. I understand that I may not revoke this consent, but that it will cease to be effective if my spouse files a new Beneficiary Designation Form.

______________________________________ ___________________ ______________________________________ ___________________Signature of Spouse Date Notary Public Signature Date

______________________________________ __________________________________________Printed Name of Spouse SSN of Spouse

PART B – BeNeFICIARy DeSIgNATION (Note: See reverse of this form for acceptable designation wording.)

PART C – SPOUSAL CONSeNT

WITNeSSeD By:

This form is to be used for your designation of beneficiary(ies). Names should always be shown using given names.Example: Dorothy Q. Smith, not Mrs. John Smith

If more than one beneficiary is designated, settlement will be made in equal shares to such of the designated beneficiary(ies) as survives me, unless otherwise provided herein. If no designated beneficiary survives me, settlement will be made as provided for in the Program. This change of beneficiary shall take effect as provided for in the Program and when received as so provided, the change shall be operative as of the date of this instrument whether or not I am alive at the time of such receipt, but without prejudice to NTCA on account of any payment made by it before such receipt. NTCA shall not be bound by any trust deed, or shall not be liable for the application of monies by trustee beneficiary.


BE8 (03/14)Page 2 of 2

The information contained herein has been provided by NTCA and is solely the responsibility of NTCA.

NTCA Use Only

Initials _______________ Date _________________

Beneficiary Designation FormNTCA-Sponsored Savings Plan

INSTRUCTION PeRTAININg TO STATeMeNT OF BeNeFICIARy DeSIgNATION

TyPe OF BeNeFICIARy WORDINg TO Be USeDPlease include Social Security number(s) and dates of birth

Participant's Estate Participant’s Estate

One Beneficiary Dorothy Q. Smith, wife (Social Security number; date of birth)

Two Beneficiaries Peter Smith, father (SS#; DOB), as to three-fourths (3/4), and Anne Smith, mother (SS#; DOB), as to one-fourth (1/4), or the survivor

Two Beneficiaries in unequal shares Peter Smith, father (SS#; DOB), as to three-fourths (3/4), and Anne Smith, mother (SS#; DOB), as to one-fourth (1/4), or the survivor

Three or more Beneficiaries in unequal shares

Peter Smith, father (SS#; DOB), as to two-fourths (2/4), Dorothy Q. Smith, wife (SS#; DOB), as to one-fourth (1/4), and Anne Smith, mother (SS#; DOB), as to one-fourth (1/4), the share of the deceased beneficiary to be payable to the survivors, in such proportions as their original shares are distributed, or the survivor

One Primary Beneficiary and One Secondary Beneficiary

Dorothy Q. Smith, wife (SS#; DOB), if living; otherwise Quincy Smith, son

One Primary Beneficiary and Two Secondary Beneficiaries

Dorothy Q. Smith, wife (SS#; DOB), if living; otherwise Quincy Smith, son (SS#; DOB), and Mary Smith, daughter (SS#; DOB), equally, or the survivor

One Primary and unnamed children as Secondary Beneficiaries (except adopted children)

Dorothy Q. Smith, wife (SS#; DOB), if living; otherwise the children born of the marriage of the Insured and said wife, or survivors, equally, or the survivor

Two Primary Beneficiaries and one Secondary Beneficiary

Peter Smith, father (SS#; DOB), and Anne Smith, mother (SS#; DOB), equally, or the survivor, if either survives; otherwise Dorothy Q. Smith, wife (SS#; DOB)

One Primary Beneficiary and one or more named or unnamed children as Secondary Beneficiaries (except adopted children)

Dorothy Q. Smith, wife (SS#; DOB), if living; otherwise Quincy Smith, son (SS#; DOB), Mary Smith, daughter (SS#; DOB), and any other children born of the marriage of the Insured and said wife, or the survivors, equally, or the survivor

One Primary Beneficiary with Common Disaster provision (special period not to exceed 30 days)

Dorothy Q. Smith, wife (SS#; DOB), if she survives the Insured for a period of ten (10) days; otherwise the children born of the marriage of the Insured and said wife, or the survivors, equally, or the survivor

Trustee Dorothy Q. Smith, trustee (SS#; DOB), under the Trust Agreement Dated ___I___I___

Trustee under the Last Will and Testament of Insured

The Trustees under the Last Will and Testament of the Participant, provided such Last Will and Testament has been allowed within six months after the death of the Participant by the Court having jurisdiction thereof; otherwise, the Estate of the Participant

Per stirpes provision for named children and their children

Dorothy Q. Smith, wife (SS#; DOB), if living; otherwise such of Richard Smith, William Smith, and Mary Smith, children (SS#; DOB), who may be living and the surviving children of any said who may be deceased, per stirpes

NOTe: Owing to legal, administrative, and other technical difficulties, it is inadvisable to name beneficiaries residing outside the territorial limits of the United States and Canada. Your employer may not be named as beneficiary.

I

This document provides only a summary of the main features of The Plan and the Plan Document will govern in the eventof discrepancies.

The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of thePlan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by aparticipant or beneficiary.

© 2010 - 2021 FMR LLC. All rights reserved.

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THE NTCA SAVINGS PLAN

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