Connect. Plan. Save.

Surgical Care Affiliates, LLC Retirement Investment Plan

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Retirement planning is in your hands.Have you ever thought:

“I’m too young to think about retirement!” “I’ll start thinking about retirement when I have more time.” “I hate looking at financial statements—and I don’t know the first thing about investing.”

The fact is, our lives go by fast—before you know it, you’ll be facing retirement. And who besides yourself can you really count on to make sure you’ll be well prepared when that day comes? Whether you feel you’re too busy to begin planning for the future, think you’re unable to save even a small amount due to other financial obligations, or feel that you have plenty of years ahead in which to build your retirement savings, there is no better time to begin planning and saving than now.

Surgical Care Affiliates (SCA) cares about your success and has created the Surgical Care Affiliates Retirement Investment Plan (the “Plan”) to help you build a better future. Use this guide to familiarize yourself with the Plan’s features and the tools and resources available to you at workplace.schwab.com.

Take charge of your financial future by making the Plan work for you today.

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Contents4 Getting Started

6 Investing Strategies

7 Plan Funds

8 Plan Features

11 Managing Your Account

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Getting StartedIt all begins with three straightforward steps—Connect, Plan, and Save.

Connect.Register and enroll in the Plan via the mobile app, the website, or by phone.

• Mobile app—Download the Schwab Workplace Retirement app1 at workplace.schwab.com/mobile.

• Website—Go to workplace.schwab.com.

Use the Register now button to establish your login ID and password. Once you have successfully created your login credentials, follow the prompts to enroll.

• Phone—Call Schwab Retirement Plan Services, Inc. at 1-800-724-7526.

Plan.Determine your savings goals and investing strategy.

Experts estimate that you will need 70%–90% of your pre-retirement income to maintain your standard of living when you stop working.* Use the Retirement Savings Calculator and Paycheck Calculator at workplace.schwab.com to explore how much you may need to save to fund your retirement spending goals and how your pre-tax contribution rate may impact your take-home pay. Go to Learning Center > Tools and Calculators.

For help selecting investments that are right for you, review the Investing Strategies section on page 6. You have the option to receive a savings and investment recommendation via the Plan’s advice service provided by GuidedChoice®, 2 invest in a Schwab Indexed Retirement Trust Fund†,3,4 aligned with the year closest to your expected retirement date, or select and manage your investments on your own from the Plan’s investment lineup.

† The values of the target fund will fluctuate up to and after the target date. There is no guarantee the funds will provide adequate income at or through retirement.

Save.Elect your contribution rate.

As you decide how much to contribute, be sure to take into account SCA’s matching contribution,5 which is 75% of the first 4% you contribute. You are encouraged to contribute at least 4% or more to receive the maximum company match.

* United States Department of Labor, “Top 10 Ways to Prepare for Retirement,” August 18, 2015.

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Remember to take care of your loved ones—designate your account beneficiary(ies).Your designated beneficiary(ies) will receive your Plan account balance in the event of your death; you may designate an individual, multiple people, or an entity, such as a trust. Once you have enrolled in the Plan, add your account beneficiary(ies) at workplace.schwab.com. Go to My Profile > Beneficiaries.

Questions?A Participant Services Representative is just a phone call away—ready to answer your questions about enrolling in the Plan and your Plan’s features in general. Representatives are available at 1-800-724-7526, from 7 a.m. to 11 p.m. ET, Monday through Friday.

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Investing StrategiesWhether you prefer to receive a savings and investment recommendation, invest in a Schwab Indexed Retirement Trust Fund,†,3,4 or choose your own investments, it’s important to have an investment strategy that’s right for you. Use the grid below to help determine which strategy best suits your preferred approach to selecting and managing the investments in your Plan account.

If you’d like help selecting and managing your investments:If you prefer to select and manage your investments

on your own:

GUIDEDCHOICE®2 ADVICE SERVICE SCHWAB INDEXED RETIREMENT TRUST FUNDS®†,3,4 PLAN-SELECTED FUNDS

If you’re not sure how much to save and which funds to select, get savings and investment recommendations with the Plan’s point-in-time advice service provided by GuidedChoice, an independent registered investment advisor.

How does it work?Guidance is available online or over the phone:

• If you prefer to use the self-service tool at workplace.schwab.com, go to Advice > Retirement Plan Advice to get started on your own.

• If you would rather have an Advice Consultant walk you through the process and explain the recommendations for you, schedule an advice consultation by calling 1-800-724-7526.

If you lack the time or desire to actively manage and monitor your investments, a Schwab Indexed Retirement Trust Fund may be right for you. Schwab Indexed Retirement Trust Funds are professionally managed funds that invest in a variety of asset classes and automatically rebalance to become more conservative over time.

How does it work?When you enroll, select the Schwab Indexed Retirement Trust Fund that most closely matches your expected retirement date (such as 2020), as well as other factors important to your planning objectives.

If you are a knowledgeable investor, you may prefer to design your own investment portfolio from the Plan’s diversified fund lineup listed on the following page.

How does it work?Use the Investor Profile Questionnaire on workplace.schwab.com to help determine your preferred asset allocation based on your investing time horizon and risk tolerance. Go to Manage Account > Investments and click on the link to the Investor Profile Questionnaire.

Research your investment options at workplace.schwab.com.

Select your funds and choose a contribution percentage to allocate to each fund.

Whichever investment strategy you select, be sure to review your investment allocation at least annually and whenever you experience a life event to ensure that your strategy will continue to help you work toward your retirement savings goals.

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Plan FundsThe following funds are the investment options available in the Plan. To access fund profiles and prospectuses, log in to workplace.schwab.com. Go to Learning Center and click on the Fund Information link.

FUND NAME TICKER ASSET CATEGORY

Galliard Retirement Income Fund 356 N/A Stable Value

Prudential Core Plus Bond Fund Cl 56 N/A Intermediate-Term Bond

State Street U.S. Bond Index Non-Lending Series Fd K6 N/A Intermediate-Term Bond

Columbia Contrarian Core Y COFYX Large Blend

State Street Real Asset Non-Lending Series Fd C6 N/A Large Blend

State Street Russell All Cap Index Non-Lending Series Fd C6 N/A Large Blend

GW&K SMID Cap Core – Class M6 N/A Mid-Cap Growth

Arrowstreet International Equity EAFE Class M6 N/A Foreign Large Blend

SSGA Global All Cap Equity Ex-U.S. Index Non-Lending Series Fund Class K6 N/A Foreign Large Blend

Kleinwort Benson Inv Intl Ltd Emerg Mkts Equity CIT A6 N/A Diversified Emerging Mkts

AEW Real Estate Securities Diversified Trust6 N/A Real Estate

Schwab Index Ret Trust 2010 II†,3,4 N/A Target Date 2000–2010

Schwab Index Ret Trust 2015 II†,3,4 N/A Target Date 2015

Schwab Index Ret Trust 2020 II†,3,4 N/A Target Date 2020

Schwab Index Ret Trust 2025 II†,3,4 N/A Target Date 2025

Schwab Index Ret Trust 2030 II†,3,4 N/A Target Date 2030

Schwab Index Ret Trust 2035 II†,3,4 N/A Target Date 2035

Schwab Index Ret Trust 2040 II†,3,4 N/A Target Date 2040

Schwab Index Ret Trust 2045 II†,3,4 N/A Target Date 2045

Schwab Index Ret Trust 2050 II†,3,4 N/A Target Date 2050

Schwab Index Ret Trust 2055 II†,3,4 N/A Target Date 2055

Schwab Index Ret Trust 2060 II†,3,4 N/A Target Date 2060+

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Plan Features

EligibilitySCA employees (including pooled and per diem employees, but excluding leased and temporary employees) who are at least age 21 are immediately eligible to enroll in the Plan.

Automatic Enrollment and Savings IncreaseIf you are at least age 21 and you do not enroll on your own, SCA will automatically enroll you in the Plan 45 days after your date of hire. You will be automatically enrolled at a 4% pre-tax savings rate. Your pre-tax savings rate will then automatically increase by 1% each year in April until it reaches 10% of your eligible compensation, unless you elect otherwise. If you make no investment elections, your future contributions and any company matching contributions will be invested in one of the Schwab Indexed Retirement Trust Funds®†,3,4 based on your age as determined by the Plan.

To enroll on your own, opt out of automatic enrollment, or change your investments, log in to workplace.schwab.com or the Schwab Workplace Retirement app,1 or call Participant Services at 1-800-724-7526, from 7 a.m. to 11 p.m. ET, Monday through Friday.

Pooled and per diem employees must actively enroll in the Plan and are NOT eligible for automatic enrollment.

Your ContributionsPre-TaxPre-tax 401(k) contributions are made to your account before taxes are deducted from your eligible pay. This reduces your current taxable income. You pay taxes on your contributions and any applicable earnings at the time of distribution.

Roth 401(k)The Plan includes a Roth 401(k) option. If you decide to make Roth 401(k) contributions, they will be deducted from your pay after taxes. You will not pay taxes on any earnings when they are withdrawn, provided that any distribution from your account occurs at least five years following the year you make your first Roth 401(k) contribution and you have reached age 59½, are deceased, or have become disabled.

Catch-UpIf you will be age 50 or older at the end of the calendar year, you may be able to make additional pre-tax and/or Roth 401(k) catch-up contributions to your account.

Contribution LimitsYou may contribute up to 100% of your eligible pay in combined pre-tax and/or Roth 401(k) contributions each pay period. Federal law limits the amount you can contribute in combined pre-tax and/or Roth 401(k) contributions as well as additional catch-up contributions in a given year. The limit is set annually and can be found at workplace.schwab.com. Go to Manage Account > Contributions.

ChangesYou can make changes to your contribution rates at any time by logging in to workplace.schwab.com or the Schwab Workplace Retirement app, or by calling Participant Services at 1-800-724-7526, from 7 a.m. to 11 p.m. ET, Monday through Friday.

Company ContributionsSCA will make matching contributions equal to 75% of the first 4% of pre-tax or Roth 401(k) dollars you contribute.5 Pooled and per diem employees will receive an annual company matching contribution if they worked 1,000 hours and are employed on the last day of the year.

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VestingVesting is the ownership of your Plan account. You are always 100% vested in any contributions you make to the Plan. Employer matching contributions are also 100% vested.

RolloversIf you contributed to a qualified retirement plan with a previous employer, there may be advantages to consolidating your accounts. When you roll over other qualified retirement account balances, you can get a more complete picture of your retirement assets in one place. For more information on completing a rollover, call Participant Services at 1-800-724-7526, from 7 a.m. to 11 p.m. ET, Monday through Friday.

LoansYou may borrow up to $50,000 or 50% of your vested Plan account balance, whichever is less. The minimum loan amount is $1,000. You may have one outstanding loan at a time. The interest rate on your loan will be the prime rate at the time the loan is taken, plus 2%, and you will be charged a one-time set-up fee of $75 for each loan. Loans must be repaid within five years. Loan payments are made by payroll deduction. For more information or to apply for a loan, call Participant Services at 1-800-724-7526, from 7 a.m. to 11 p.m. ET, Monday through Friday.

WithdrawalsThe Plan is primarily designed to help you save for retirement, and withdrawals from your Plan account are restricted by the IRS. You may take distributions from your Plan account under the following circumstances:

RetirementYou can withdraw money from your Plan account when you retire.

In-Service WithdrawalsIn-service withdrawals are those made from your Plan account while you are still employed by SCA. In-service withdrawals from your pre-tax, Roth 401(k), and company contribution sources are permitted when you reach age 59½. You may withdraw any rollover assets at any time, regardless of your age.

TerminationIf you leave your job for any reason, voluntarily or involuntarily, you may withdraw the vested balance of your Plan account. If your vested account balance is less than $5,000, Schwab Retirement Plan Services, Inc. will contact you and provide you with information on the distribution options available to you. If your vested account balance is less than $1,000 and you do not respond with your distribution preference, the balance will be paid to you. Taxes and penalties may apply. If your vested Plan account balance is greater than $1,000 but less than $5,000 and you do not respond, your account balance will be rolled over to a Charles Schwab Bank IRA and the funds will be deposited to an FDIC-insured money market deposit account. Any account balances in Roth 401(k) sources will be rolled over into a Roth IRA, and the five-year qualification period will start over.7 If your vested account balance is greater than $5,000, it will remain in the Plan until you elect to take a distribution.

DisabilityIf you become permanently disabled, you may withdraw your money without penalty.

DeathIn the event of your death, your vested Plan account balance will be paid to your designated beneficiary(ies).

This is only a brief overview of the Plan’s features and does not constitute a legally binding document. You can find a detailed description of the Plan’s features in the Summary Plan Description, which is available from your Human Resources Department. If you have further questions, call Participant Services at 1-800-724-7526.

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Managing Your Account

Mobile AppThe Schwab Workplace Retirement app1 gives you on-the-go access to your Plan account. You can review your account balance, monitor your personal performance, make contribution elections, read the latest market news, and securely access the Plan’s full website. Download the app at workplace.schwab.com/mobile.

PhoneYou can manage your Plan account 24 hours a day by phone at 1-800-724-7526. If you need to speak with someone, Participant Services Representatives are available from 7 a.m. to 11 p.m. ET, Monday through Friday.

WebLog in to workplace.schwab.com.

Need Assistance?Connect with a Participant Services Representative at 1-800-724-7526 from 7 a.m. to 11 p.m. ET, Monday through Friday.

1 Requires a wireless signal or mobile connection. System availability and response times are subject to market conditions and mobile connection limitations.2 Retirement plan investment advice is formulated and provided by GuidedChoice Asset Management, Inc.® (“GuidedChoice”), which is not affiliated with

or an agent of Charles Schwab & Co., Inc. (CS&Co.), a federally registered investment advisor; Schwab Retirement Plan Services, Inc. (SRPS); or any of their affiliates. The GuidedChoice service is available to participants enrolled in plans that use the recordkeeping and related services of SRPS. Participant access to the GuidedChoice service is facilitated through CS&Co. Neither CS&Co., SRPS, nor their affiliates supervise, make recommendations with respect to, or take responsibility for monitoring the advice provided to participants by GuidedChoice. Advice Consultants are not employees of GuidedChoice and act solely as facilitators to participants accessing the GuidedChoice service. GuidedChoice advice is limited to the fund investment options available under your Plan as selected by your Plan Sponsor or other fiduciary.

3 The Schwab Managed Retirement Trust Funds™ and Schwab Institutional Trust Funds® are collective trust funds maintained by Charles Schwab Bank (“Schwab Bank”), as trustee of the Funds. They are available for investment only by eligible retirement plans and entities. Schwab Bank Collective Trust Funds (“Funds”) are not insured by FDIC or any other type of deposit insurance; are not deposits or other obligations of, and are not guaranteed by, Schwab Bank or any of its affiliates; and involve investment risks, including possible loss of principal invested. The Funds are not mutual funds and are exempt from registration and regulation under the Investment Company Act of 1940 (“1940 Act”), and their units are not registered under the Securities Act of 1933, or applicable securities laws of any state or other jurisdiction. Unit holders of the Funds are not entitled to the protections of the 1940 Act. The decision to invest in the Funds should be carefully considered. The Funds’ unit values will fluctuate and may be worth more or less when redeemed, so unit holders may lose money. The Funds are not sold by prospectus and are not available for investment by the public; Fund prices are not quoted in newspapers.

4 Diversification and asset allocation strategies do not ensure a profit and cannot protect against losses in a declining market. The Funds are subject to market volatility and risks associated with the underlying investments. Risks include exposure to international and emerging markets, small company and sector equity securities, and fixed income securities subject to changes in inflation, interest rates, market valuations, liquidity, prepayments, and early redemption. The Funds are built for investors who expect to start gradual withdrawals of Fund assets on the target date, to begin covering expenses in retirement. The principal value of the Funds is not guaranteed at any time, and will continue to fluctuate up to and after the target date.

5 The employer contribution is paid on a pre-tax basis and may be taxable at withdrawal.6 This investment option is a collective trust fund and is not a registered investment company product.7 Rollover funds in the Charles Schwab Bank IRA are invested in an FDIC-insured money market deposit account at Charles Schwab Bank. Funds are insured

by the Federal Deposit Insurance Corporation (FDIC) up to $250,000 when aggregated with all other deposits held by the IRA owner in individual retirement accounts or self-directed employee benefit accounts at Schwab Bank. Any account balances in Roth 401(k) sources will be rolled over into a Roth IRA, and the five-year qualification period will start over. When a participant rolls a Roth 401(k) balance to a new Roth IRA, the five-year qualification period starts over. This may impact the rollover decision. If the participant has an established Roth IRA, then the qualification period is calculated from the initial deposit into the IRA and the rollover will be eligible for tax-free withdrawals when that five-year period has ended (and the age qualifier has been met).

Access to electronic services may be limited or unavailable during periods of peak demand, market volatility, systems upgrades, maintenance, or for other reasons.

Schwab Retirement Plan Services, Inc. provides recordkeeping and related services with respect to retirement plans and has provided this communication to you as part of the recordkeeping services it provides to the Plan. Trust, custody, and deposit products and services are available through Charles Schwab Bank. This information is not intended to be a substitute for specific individualized tax, legal, or investment planning advice. Where specific advice is necessary or appropriate, you should consult with a qualified tax advisor, CPA, financial planner, or investment manager.

CC0712755 (0916-LSAW) GDE93366SCA-00 (09/16) 00172289