CODAC 2024 Benefit Summaries and Carrier Materials

Your CODAC 403(b) Team – The Falbaum Crowley Investment Group

Vance Falbaum, CIMA ® , AWM Managing Director-Financial Advisor

Aaron Crowley, CFP ® , CLU ®

Paula Weese, APP Sr. Investment Associate

Financial Advisor

Institutional Consulting Group

520-615-4327

520-615-4340

520-615-4339

Aaron.Crowley@rbc.com

Paula.Weese@rbc.com

Vance.Falbaum@rbc.com

CODAC Health, Recovery & Wellness, Inc. Employee Retirement Plan Benefits

403(b) Retirement Savings Plan  < Age 50 – $22,500 is the 2023 contribution limit.  > Age 50 – additional $7,500 (2023 catch up contributions).  Entry Dates: Provided you are an eligible employee, you will be able to make elective deferrals beginning on your date of hire. Employer Matching Contributions (discretionary) A matching contribution is a contribution the Employer makes based on your elective deferrals. 6 year Vesting Schedule for Matching Contributions

Your contribution

CODAC Matching

Total savings

Vesting Year Vesting Schedule 1 0% 2 20% 3 40% 4 60% 5 80% 6 100%

1% 2% 3% 4% 5% 6% 7% 8%

0.5%

1.5%

1%

3%

1.5%

4.5%

2%

6%

2.5%

7.5%

3%

9%

3.5%

10.5%

4%

12%

Enrollment:

To access your Nationwide 403(b) account, please visit the Nationwide website below and use:

https://Nationwide.com/enroll

Plan Case Number: C70-88317

RBC Wealth Management 3430 E. Sunrise Drive, Suite 250, Tucson, AZ 85718 Phone: 800-926-9176 www.fcinvestementgroup.com

A division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC.