This Web site (the "Site"), and any tools and/or services offered and/or provided through the Site (collectively, the "Services"), are provided to you (the “User”) conditioned upon your acceptance of these Terms of Use.  You agree to read these Terms of Use carefully before using the Site or any of the Services thereon.  By using the Site or any Services, you agree to these Terms of Use.  If you do not agree to these Terms of Use, you may not use the Site or any Services.  These Terms of Use are subject to change from time to time, and at any time without notice to you.  Any changes will be incorporated into the Terms of Use posted to the Site from time to time.

Authorized Use and User Conduct
You agree that you will use the Site and the Services in a manner consistent with these Terms of Use and other instructions posted on the Site.  You agree not to interrupt or attempt to interrupt the operation of the Site or the Services in any way or to attempt to gain unauthorized access to the Site, any portion thereof, or to any other computer systems through the Site.  You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.  You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.  Unauthorized use of the Site, including but not limited to unauthorized entry or attempted entry into any systems, misuse of passwords, misuse of any information posted to the Site, or illegal conduct is strictly prohibited.  We reserve the right to prohibit access to anyone determined by us to be violating or attempting to violate these Terms of Use.

Account and Password
In the course of your use of the Site and our provision of the Services, we may be provided with your personal and confidential information (such information referred to hereinafter as “User Information”).  Our information collection and use policies with respect to the privacy of such User Information are set forth in the Site’s Privacy Policy, located on the Login screen, which is incorporated herein by reference for all purposes.  You acknowledge and agree that you are responsible for the accuracy and content of all User Information. 

When you enroll to be able to use the Site, you will be issued an account, which will have an assigned user name and password.  You are responsible for maintaining the confidentiality of your user name and password.  You are solely responsible for all transactions, communications, and acts or omissions that occur through the use of your user name and password by you or any person or entity using a password provided to you, whether or not such access or use has been authorized by you.  You agree to ensure that you log out from your account at the end of each session.  It is your sole responsibility to control the dissemination and use of your password, control access to and use of your account.  We will not be responsible or liable for any loss or damage arising from your failure to comply with this provision.  If you believe that someone has accessed your account on the Site without your authorization, you should immediately contact us using the Contact Us feature on the Site or by telephone. 

Third Party Service Providers
We may use third party service providers (“Third Party Service Providers”) to provide certain content or Services with or without notice to you.  We may also change Third Party Service Providers from time to time and at any time with or without notice to you.  You consent and authorize us to delegate the authorizations you provide to us to Third Party Service Provider(s) as we deem necessary or desirable to provide the Services.

Service Related Text Messaging
Important information related to the Site and the Services provided may be communicated via text messaging.  Upon successfully verifying your cell phone number you will receive general Site notifications.  The Communications page allows you to refine your messaging options, select additional messaging areas or opt out of current messages.  You may also opt out by responding “STOP” to a received text message.  Message frequency varies based upon the communications selected and meeting message conditions.  Contact Us or responding “HELP” to a received text message provides contact and telephone information for additional assistance.  Message and data rates may apply to text messages.  Carriers are not liable for delayed or undelivered messages. 

Copyrights and Trademarks
The Site and the Services contain copyrighted works, trademarks and other proprietary material owned by us or Third Party Service Providers.  We and our suppliers own, all rights, title and interest in and to the Site, all the content, data and materials thereon (with the exception of your personal and account information), the look and feel, design and organization of the Site, and the compilation of the content, data and materials on the Site, including but not limited to any copyrights, trademark rights, patent rights, and other intellectual property and proprietary rights therein.  If no restrictions are displayed, you may download, view and copy the information available from the Site for non-commercial personal or educational purposes only, provided that each copy includes the copyright, trademark or service mark notices or attributions as they appear on the screens copied.  Except as stated above, you may not copy, reproduce, modify, create derivative works, publish, transmit, display, sublicense or distribute material or images from the Site without our express written permission or that of the Third Party Service Provider, as applicable.  Any commercial distribution, publishing or exploitation of the Site or the materials on the Site is strictly prohibited. 

No Employee Benefit or Investment Advice
The content and tools that are available on the Site are for information and education purposes.  The Site may also make available information relating to investment approaches and general investment guidance.  The information and tools available to you on the Site are not intended to provide legal, tax, investment, financial or other advice.  The economic modeling and forecasting features offered on the Site are for illustrative purposes only and are not necessarily indicative of future results.  The projections resulting from these features are based in part on estimates and assumptions that may or may not come true.  There can be no guarantee that your funds or accounts will achieve the results projected.  YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.  Nothing contained in the Site or Service should be construed as a solicitation, recommendation, endorsement, or offer to buy or sell any securities or other financial instruments.  You are solely responsible for any employee benefit or investment decisions that you make based upon your evaluation of the information and use of the Services on the Site.  Neither we nor any Third Party Service Provider will have any responsibility or liability to you based upon your use of the Site or Services, including without limitation any decisions that you make utilizing the Site or Services.   

Disclaimers
SOME OF THE CONTENT ACCESSIBLE ON THE SITE OR SERVICES MAY BE PROVIDED BY THIRD PARTY SERVICE PROVIDERS.  ANY SERVICES, OPINIONS, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTY SERVICE PROVIDERS ARE THOSE OF THE RESPECTIVE PROVIDERS OF SUCH CONTENT AND SERVICES, AND ARE NOT OURS.  IN SOME INSTANCES YOU WILL BE PROVIDED WITH NOTICE THAT YOUR ACCESS TO AND USE OF THIRD PARTY SERVICE PROVIDER CONTENT AND SERVICES IS SUBJECT TO A SEPARATE AGREEMENT AND TERMS OF USE THAT YOU WILL BE REQUIRED TO CONSENT TO WITH THE THIRD PARTY SERVICE PROVIDER OF THE APPLICABLE CONTENT AND SERVICES.  WE ARE NOT A PARTY TO THE AGREEMENTS OR TERMS OF USE YOU MAY CONSENT TO WITH SUCH THIRD PARTY SERVICE PROVIDERS.  Any separate agreement or terms of use to which you are required to consent with a Third Party Service Provider are in addition to these terms and conditions.  In the event of a conflict, the Third Party Service Provider terms and conditions will govern with respect to the content and services provided by the applicable Third Party Service Provider.

ALTHOUGH WE USE REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THE SITE, NEITHER WE NOR ANY THIRD PARTY SERVICE PROVIDER MAKES ANY WARRANTIES OR REPRESENTATIONS AS TO THE AVAILABILITY, ACCURACY, RELIABILITY, UPTIME OR UNINTERRUPTED ACCESS, OR COMPLETENESS OF CONTENT ON THE SITE AND ANY SERVICE.  TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THE SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. 

Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OR OUR SUBSIDIARY AND PARENT COMPANIES OR THEIR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR ANY THIRD PARTY SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES THAT RESULT DIRECTLY OR INDIRECTLY FROM (1) THE USE OF OR INABILITY TO USE THE SITE OR ANY SERVICES, CONTENT, MATERIALS OR FUNCTIONS RELATED THERETO, (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU AS A RESULT OF YOUR USE OF THE SITE OR ANY SERVICES, OR (3) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THE SITE.  IN THE EVENT THAT YOU SUFFER DAMAGES ARISING FROM YOUR USE OF THE SITE OR ANY SERVICES, YOU MAY SEEK RECOURSE THROUGH YOUR EMPLOYER OR BENEFIT PLAN.

Links To Other Web Sites
The Site may provide links to other Web sites that we think might be of interest to Users (“Linked Sites”).  Links to other sites are provided only as a convenience to Users of the Site.  When you click on one of these links, you will be interacting with a third party’s Web site.  These Linked Sites and their providers are not controlled by us, and we are not responsible for the contents, services or the operation of any Linked Site.  The inclusion of a link to a Linked Site does not imply any endorsement of such site.  We have no responsibility for the information, content, products, services, advertising or other materials, which may or may not be provided by or through a Linked Site.  We encourage you to read the terms of use and privacy statements of these Linked Sites as their policies may differ from those of the Site.

Protecting Your Information
We utilize reasonable security technologies to protect confidential information.  However, the security of this information depends on, among other things, the security of your computer and the network it may be on, the security you use to protect your confidential information, the security provided by your Internet access services provider, the security of the means of transmission of data through the Internet and, more generally, on the effectiveness of the security technologies that are used to protect your confidential information.  Although we take reasonable security precautions regarding information transmitted to and stored on the Site, due to the open nature of the Internet, we cannot guarantee that any information stored on our servers, or transmitted to or from a User, will be free from unauthorized access, and we disclaim any liability for any theft or loss of, unauthorized access or damage to, or interception of any data or communications.  By using the Site, you acknowledge that you understand and agree to assume these risks.

If you contact us by e-mail, you should be aware that e-mail transmission might not be secure. A third party could view information you send by e-mail in transit. We will have no liability for disclosure of your information due to errors or unauthorized acts of third parties during transmission.  We encourage you to use the “Contact Us” feature of the Site instead of contacting us by e-mail.

If you are requested to send us any sensitive personal information, such as your account number, password or PIN, in an e-mail or on a Web site or otherwise, and you are uncertain whether such request is authorized by us, please do not hesitate to ask the service center.

In the unlikely event that we believe that the security of your personal information in our possession or control may have been compromised, we may seek to notify you of that development.  If a notification is appropriate or required by law, we will endeavor to do so as promptly as possible under the circumstances and in accordance with any applicable laws, and, to the extent we have your e-mail address and are permitted by law, we may notify you by e-mail.  You consent to our use of e-mail as a means of such notification. 

Modifications to the Site and the Services
We may terminate, change, suspend or discontinue any aspect of the Site, including, but not limited to, content, features or hours of availability.  We may also impose limits on certain features of the Site or restrict your access to part or all of the Site without notice. 

Miscellaneous
These Terms of Use constitute the entire agreement regarding the Site and any Services, and supersedes all prior communications, whether electronic, oral or written between you and us with respect to the Site or the Services.  The Site is operated from our offices in the United States of America.  These Terms of Use are governed by and to be construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law.  If a court determines that any term or condition in these Terms of Use is illegal or unenforceable, then such term will be eliminated and the remaining terms and conditions will remain in force and effect.  Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision.  If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Use remain in full force and effect.

Conduent HR Services, LLC ("Conduent") has been engaged by Fiserv to provide certain employee benefits processing and recordkeeping services. In connection with the services, Conduent makes this Web site available to Fiserv employees and others entitled to company benefits. At Conduent, we take the issue of privacy very seriously. Visitors to this Web site can be assured that information they share on this Web site will receive the security, privacy and confidentiality that would be expected from a company providing these administration services.

This Privacy Statement provides information about what type of information is gathered and tracked on the Web site, how the information is used, and with whom the information is shared. By visiting this Web site, and/or using the services offered on or through this Web site, you agree to the terms of this Privacy Policy as they may be amended from time to time. As we update and expand our services, this Privacy Policy may change, so check back to this screen from time to time. This Privacy Policy is incorporated into, and part of, the Terms of Use, which govern your use of this Web site. A link to the Terms of Use is located at the bottom of each screen on this Web site.

How information is collected

In general:  Unless you provide personally identifiable information to us voluntarily, the information is provided by your employer, or the information is collected by means of "cookies" in the manner described in this Privacy Statement, Conduent does not collect information about you in connection with your use of this Web site. The personally identifiable information that we may have and which enables us to provide our services to you includes, for example, your name and contact information, financial account information and transactional activity, and other employee benefit information and activity.

“Contact Us” requests about our products and services:  Through use of "Contact Us",visitors are invited to electronically send inquiries to Conduent. Conduent may retain copies of these messages. The information provided by a visitor will only be used to respond to the visitor's inquiry and to provide better customer service. Conduent posts responses to visitor inquiries to the visitor's personal Web site Inbox.

Transactional Services:  You may perform transactions at this Web site utilizing Conduent services. In order to protect the security and confidentiality of information provided through these services, Conduent requires that users have a browser that supports 128-bit "strong" encryption.

Use of “cookies”:  A "cookie" is a small piece of information about an Internet session that may be created and placed on a visitor's personal computer when a visitor accesses a Web site. Conduent uses cookies to facilitate easier navigation within the Web site, to provide a higher level of convenience for the visitor, and for administrative purposes. We do not use cookies for any other purposes. This information is not shared with any other party for any commercial purposes. You can set your browser (e.g. Microsoft Internet Explorer) to notify you when a Web site attempts to send a cookie. The browser will allow you to decide whether or not to accept the cookie. If you choose to disable cookies in your browser, you may not be able to take advantage of all the features of this, or other Web sites. Additionally, your Flash player can be set to reject or delete Flash cookies.

How information collected is used
We respect your right to privacy. Any sensitive or confidential information you provide to us via this Web site is kept confidential. We have also implemented security measures to protect against the loss, misuse or alteration of information stored in our systems. Conduent will only use the information collected from visitors to this Web site to address the specific inquiries or requests of those visitors, and to provide better customer service. The information collected also is used to provide a record of communications between Conduent and its Web site visitors, and to comply with any applicable legal and/or regulatory requirements. In certain circumstances, the information you provide may also be available to your employer or plan administrator to the extent required for benefits administration.

Other access to information

Affiliates and Service Providers: Other subsidiaries or affiliates of Conduent or its parent, as well as non-affiliated Service Providers that assist Conduent in meeting the needs of its customers, may under certain circumstances receive personal information received from your employer or collected from you as a Web site visitor. Such information is disclosed only to respond to your inquiries or requests, and to provide you with information about other financial products and services offered. Personal information will be treated by these entities with the same standards of privacy and confidentiality that Conduent uses.

Other Third parties: Conduent does not transmit any personal information collected through its Web site to any third-party marketers.

Legal Issues: From time to time, we may be required to provide personal information in response to a court order, subpoena, government investigation, or as otherwise required by law. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful. We may disclose your personal information to government authorities at our discretion. We may release certain personal information when we believe that such release is reasonably necessary to protect the rights, property, and safety of others or ourselves.

Business Transfer: In the event that Conduent or substantially all of its assets are acquired by one or more third parties as a result of a merger, sale, consolidation or liquidation, your personal information may be among the transferred assets.

Third party Web sites
This Web site may contain links to third party sites that you may find useful. Once you leave Conduent's Web site, Conduent does not receive any of your information. Except to the extent required to provide services that you request, we do not provide any of your information to a third party Web site. These third party sites may have their own privacy policies. You should review the privacy policy of any Web site before you provide personal or confidential information. Conduent is not responsible for the content of these other sites or any business you transact or information you share with them.

Right to Change this Privacy Policy
Conduent reserves the right to change or update this Privacy Policy at any time, and will notify users of this Web site by posting such changed or updated Privacy Policy on this screen. Any changes or updates will be effective immediately upon posting to this Web site.

The keys to accessing your information

To access your information online, please use a supported browser version or mobile operating system version listed below. Other versions may function but to ensure full access your information online we recommend the indicated versions. If you need to update your browser, we have provided convenient links to download this information.

Important: For security reasons, if you leave this portal inactive or visit another web site for a period of time, you will receive a warning and then be automatically logged off. At that time, any information entered into this system but not yet "saved" will not be retained, and your information will remain unchanged.

Browser Versions

The recommended browser versions for this portal are:

• Microsoft Edge 129-131
• Safari 18.0/18.1
• Chrome 129-131
• Firefox 131-133

Mobile Operating Systems

The recommended mobile operating systems for this Website are:

• iOS 18.0
• Android 15.0

Browser Security

To protect your confidentiality, this Web site uses 256-bit Strong Encryption (TLS 1.2). Note, if prompted, you must opt for the security feature at the time you download and install your browser.

The following links take you to the download sites. Remember to select "256-bit Strong Encryption (TLS 1.2)" if prompted.

• Download Microsoft Edge
• Download Safari
• Download Chrome
• Download Mozilla Firefox

For additional protection, none of the screens displaying information is cached by the browser. This insures that the "Back" button cannot be used to view previously-displayed pages. To navigate through the portal, please use the buttons, links and menus supplied directly on the screens.

Pop-up Blockers

Pop-up blockers prevent pop-up windows from opening. This protects you from unwanted advertising solicitations. If your pop-up blocker security settings are set to "on" some content may also be inadvertently blocked.