 Inflation-Linked Fixed Income Fund  International Equity Fund  Large Cap Equity Index Fund  Money Market Fund  Small/Mid Cap Equity Fund  Stable Value Fund  Target Date Funds (including the Retirement Fund) You direct INPRS to invest a portion of your account (present balance and future contributions) into any or all of the investment funds in at least 1% increments. Or you can invest current contributions and new contributions separately. This means you can direct both current and future contributions or leave current balances as they are and direct future contributions only. Stable Value Fund The Stable Value Fund is an investment option for TRF and PERF members. Retirement Fund The Retirement Fund contains your DC and/or RSA contributions in the situation where you elected a Target Date Fund but did not retire by the time you reached your chosen Target Date Fund year. At any time, you may elect to move your contributions (DC and/or RSA) into another Target Date Fund or any of the other available investment offerings. 5.4 Making Changes As outlined in this handbook, you can make investment changes to your DC and Rollover Pre-Tax Contribution account, as applicable, your investment in each fund. The amount must be at least 1% of your total balance and can be changed daily. It is important to ask yourself these three questions: 1. What is my risk tolerance? This means how comfortable you are with the account value rising and falling with the markets. 2. What is my age? If you are younger, you may be able to take on more market risk, depending upon your individual circumstances. If you are closer to retirement age, you may want to invest in more stable value investments that provide regular income. 3. What is my portfolio diversification? This means spreading your money among different types of investments to reduce overall risk. There could be other factors to consider. Consult your financial advisor. 5.5 Suspension of Membership You are considered inactive if you are no longer working in a TRF My Choice Plan-covered position. DC accounts are no longer suspended or automatically disbursed. When you leave covered employment, you may leave your DC and/or Rollover Pre-Tax Contributions, as applicable, invested with TRF My Choice and may continue to invest in any of the available options. The funds in your suspended account will remain invested indefinitely per your investment elections and will be charged a monthly administrative fee until a required minimum distribution (RMD) is required. Your account will become suspended if your membership has been inactive (not working in a covered position and no wages or contributions reported) for 5 years. If your account has less than $1,000 invested, the funds may be disbursed to you. TRF My Choice: Retirement Savings Plan Member Page 16 of 30 Handbook Effective: 07/01/2024