5 Investment Options INPRS offers a variety of investment options from which you can choose to invest your TRF My Choice DC funds. Your DC funds are subject to market risk when your funds are invested. INPRS is unable to provide investment advice. Investment fund performance fact sheets with information about each of the funds in this section are available on the Investment Fact Sheets page of the INPRS website. You may want to talk to a trusted financial advisor or review the Investing 101 page on the INPRS website. 5.1 Defined Contribution Account Your DC account is money set aside for you to use after you separate from TRF My Choice employment. The funds in this account come from:  mandatory contributions  voluntary contributions (pre- and post-tax)  investment profits and losses  vested employer contributions Your DC account is subject to market risk when your funds are invested. 5.1.1 Rollover Funds into TRF My Choice If you have a rollover account with TRF Hybrid and/or TRF My Choice: Retirement Savings, INPRS must keep the accounts separate. The funds are shown as Rollover Pre-Tax Contribution or Rollover Savings Account (RSA) in your account. You may have separate investment elections for your DC and Rollover Pre- Tax Contribution funds. Initial elections can be made on the rollover contribution form. The Rollover Pre-Tax Contribution funds may be invested in any of the current investment options. The amount selected for investment must be at least 1% of your total balance and you can change it daily. 5.2 Investment Considerations 1. You can view daily valuations of your DC and Rollover Pre-Tax Contribution accounts and make daily changes to your investment allocations. 2. The investment direction can cover your current DC and Rollover Pre-Tax Contribution balance, as applicable, and all future contributions or just future contributions. 3. If you are newly enrolled in TRF My Choice, your funds will be invested only in a Target Date Fund until you select other options. 4. If you return to a TRF My Choice-covered position after having a break in employment, you will have the same investment elections as when you left, regardless of whether you elected to withdraw your DC and Rollover Pre-Tax Contribution accounts, as applicable. 5.3 Investment Options Upon enrollment in TRF My Choice, you are enrolled in the Target Date Fund (default) based on your projected retirement date. Your DC will continue with this investment option until you make other investment elections. You can view or change your investment options by logging in to your online account or contacting INPRS. Several investment options are available from which you may choose. TRF My Choice: Retirement Savings Plan allows you to manage your DC account and Rollover Pre-Tax Contribution account, as applicable, with self-directed investment options. You may decide how to invest the contributions posted to your account and choose any one or more of the 8 funds available:  Fixed Income Fund TRF My Choice: Retirement Savings Plan Member Page 15 of 30 Handbook Effective: 07/01/2024