H&R Block Retirement Savings Plan 2020 - The 401k

H&R Block Retirement Savings Plan 2020 - The 401k component of your H&R Block Wealth Accumulations Plans

Start investing in yourself today with help from the H&R Block Retirement Savings Plan & Fidelity.

BEGIN BUILDING SOMETHING SOLID FOR YOURSELF.

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Started

Invest some of what you earn today for what you plan toaccomplish tomorrow.

It is a pleasure to let you know that you are eligible for the H&R Block Retirement Savings Plan - the401(k) component of your H&R Block Wealth Accumulation Plans. Take a look and see what adifference the plan can make in achieving your goals.

Benefit from:

Automatic enrollment. As an eligible associate of H&R Block, you will be automatically enrolled byH&R Block in the Plan the first of the month following or that coincides with 90 days of employment.You will be enrolled at a contribution rate of 5% of your pretax eligible earnings. If you wish tochange or stop this deferral election, go to http://netbenefits.fidelity.com or call 1-877-2-RET-HRB(1-877-273-8472).

Matching contributions. H&R Block currently helps your contributions grow through a generousemployer match of dollar for dollar, up to 5% annually--it’s like getting "free" money. That’s why itmakes good sense to contribute at least this amount of your salary to the plan. Take advantage ofthis great benefit today! Please note that employer contributions are subject to yourplan provisions.

Tax savings now. Your pretax contributions are deducted from your pay before income taxes aretaken out. This means that you may actually lower the amount of current income taxes withheldeach period. It could mean more money in your take-home pay versus saving money in ataxable account.

Roth contributions. Allows you to make after-tax contributions to your retirement savings plan andtake any associated earnings completely tax free at retirement - as long as the distribution is aqualified one.

Automatic annual increases. Save a little more each year, the easy way — the Annual IncreaseProgram automatically increases your contribution each year.

Catch-up contributions. If you make the maximum contribution to your plan account, and you are50 years of age or older during the calendar year, you can make an additional “catch-up”contribution of $6,500 in 2020.

Online educational resources. At http://netbenefits.fidelity.com you will find interactive tools andcalculators to help you determine your savings goals, workshops to help you create your own planfor the future, and information on the investment options in the plan to help you selectyour investments.

Fidelity’s experience. H&R Block has selected Fidelity to provide trustee and recordkeepingservices for the plan. Fidelity is the No.1 provider of workplace retirement savings plans* and offersextensive online tools which are available through Netbenefits® at http://netbenefits.fidelity.com.

To learn more about what your plan offers, see “Frequently asked questions about your plan” laterin this guide.

* Based on two surveys: The PLANSPONSOR magazine 2018 Recordkeeping Survey (©AssetInternational Inc.), based on defined contribution plan assets administered and number ofparticipants of recordkeepers, as of 12/31/2017; and Cerulli Associates’ The CerulliEdge®—Retirement Edition, Q3 2018, based on an industry survey of firms reporting total IRA assetsadministered for Q2 2018.

Participate in your plan and invest in yourself today.

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Just follow these three simple steps to make sure you are getting the most out of the plan.

Step 1—Decide how much to invest.More than any other factor, the amount you contribute will determine how much your savings grow. H&R Block has started you off on the road to retirement by automatically enrolling you in the plan at 5% of your eligible pretax pay. This helps you maximize the Company matching contribution. The Plan also allows you to make Roth contributions.

If you are not sure how much you can afford to contribute, the Fidelity Take-Home-Pay Calculator shows how affordable it can be to invest in your plan. Simply enter the amount you might contribute and see how it impacts your pay. You will find a link to the calculator under the Visit the Library section of the NetBenefits® home page.

�Step 2—Determine your investment strategy.

What kind of investor are you: conservative, aggressive, or somewhere in between? The answer is a function of three things: The first is the length of time you have to invest—in this case, the number of years until you expect to retire; the second is your comfort with risk; and the third is your financial situation.

Once you determine your investment style, you are ready to learn about the different kinds of invest-ments. There are three basic investment types:

Short-term investments—also known as cash and considered the most conservative

Bonds—generally considered less risky than stocks and typically offer moderate returns when compared to stocks.

Stocks—considered the most aggressive. Although past investment results do not guaran-tee future results, this investment type has his-torically provided the highest long-term returns and the greatest risk.

And finally, you pick your investment options. Through automatic enrollment, you will be invested in the Vanguard Target Retirement Trust II Fund with a target retirement date closest to the year you may retire based on your date of birth. However, you should review all your available options so you can build your portfolio your way.

For assistance, log on to Fidelity NetBenefits® at www.netbenefits.fidelity.com.

Step 3—Review and confirm your choices.The more involved you are with your plan and your account, the greater your possibilities. Reviewing and confirming your choices is a great place to start.

Here’s all you need to do:

• First, log on to Fidelity NetBenefits® at www.netbenefits.fidelity.com.

• Next, set up your username and password. If you are already a Fidelity customer, you can use your existing username and password.

• Finally, click the H&R Block Retirement Savings Plan link in the center of the NetBenefits® home page. If you are using the automated voice response system, simply follow the instructions as they are provided.

Need more help? Fidelity offers tools and resources, including workshops and tutorials, that can help you make the most of your workplace savings plan. Log on to NetBenefits® at www.netbenefits.fidelity.com and check out the Library section for help with all your retirement planning needs!

Investing in yourself is easy with the H&R Block Retirement Savings Plan

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When can I enroll in the plan?As an eligible associate of H&R Block, you will be automatically enrolled by H&R Block in the plan the first of the month following or coinciding with 90 days of employment. You will be enrolled at a contribution rate of 5% of your eligible pretax earnings.

Your contributions will be invested in a Vanguard Target Retirement Trust II Fund based on your current age and assuming a normal retirement age of 65. Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal is not guaranteed.

To change this deferral rate or the investment option, or to decline participation, you must con-tact Fidelity by logging on to Fidelity NetBenefits® at www.netbenefits.fidelity.com or by calling the H&R Block Retirement Service Center at 1-877-2-RET-HRB (1-877-273-8472).

How do I access my plan account?Log on to Fidelity NetBenefits® at www.netbenefits.fidelity.com or call the H&R Block Retirement Service Center at 1-877-2-RET-HRB (1-877-273-8472).

How do I designate my beneficiary(ies)?If you have not already selected your beneficiary(ies), or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your benefi-ciary designations. Simply log on to NetBenefits® at www.netbenefits.fidelity.com and click Beneficiaries in the Profile section of NetBenefits.

How much can I contribute?Through automatic payroll deduction, you may contribute up to 75% of your eligible pay on a pretax and/or Roth basis, up to the annual IRS dollar limits. If you are age 50 or older, you may contribute up to 100% of your eligible pay on a pretax basis, up to the annual IRS dollar limits. Annual additions to the plan (your contributions and H&R Block contributions combined) may not exceed 100% of your pay or $57,000 (whichever is less).

If you are under age 50, the IRS annual contribution limit is $19,500 for 2020. If you have reached age 50 or will reach age 50 during the calendar year, the H&R Block Retirement Savings Plan allows you to defer an additional annual amount of $6,500 as catch-up contributions.

See your H&R Block Retirement Savings Plan Summary Plan Description for more details.

What is the Roth contribution option?A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings completely tax-free at retirement — as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth contribution and after you have attained age 59½, or become disabled or die.

Find more information online within the “Library” section of NetBenefits®.

Does the Company contribute to my account?H&R Block currently matches 100% of your contributions, up to 5%. The match is calculated each paycheck, and again after the end of the year to make sure you received your full 5% match.

However, if you are a highly compensated employee (HCE)* and you leave H&R Block with less than one year of service, any company contributions received the year you leave are subject to forfeiture. For example, if you are hired in July 2020, and you leave in February 2021, any company contributions you receive in 2021 would be forfeited.

What are my investment options?To help you meet your investment goals, the plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance.

The investment options available through the plan include conservative, moderately conservative, and aggressive funds. A complete description of the plan’s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online at Fidelity NetBenefits®.

Frequently asked questions about your planHere are answers to questions you may have about the key features, benefits, and rules of your plan.

*We define an HCE as someone who received compensation in excess of $125,000 in 2019 or was a 5% owner at any time during the year.2

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What are the managed account options in my plan?FPPA (“The Service”): Fidelity® Personalized Planning & Advice (“The Service”) The Plan has teamed up with Fidelity to offer a valuable managed account service that lets you delegate the day-to-day management of your workplace savings plan account to professional investment managers. Fidelity’s experienced professionals evaluate the investment options available in your plan and identify a model portfolio of investments appropriate for an investor like you. The service then invests your account to align with this model portfolio and provides ongoing management of your account to address changes in the markets, your plan’s investment lineup, and changes in your personal or financial situation. With a managed account, you can take advantage of Fidelity’s resources and experience to help ensure that:

• Your investments are managed through the ups and downs of the market.

• You’re keeping your accounts aligned with your goals through annual reviews and check-ins.

• Your account is actively managed to create an opportunity for long-term gains while managing the risk associated with investing.

To see if Personalized Planning & Advice is right for you, go online where you can easily enroll in The Service and learn more. This service provides advisory services for a fee.

Fidelity Representatives are available to answer any questions you may have about this managed account service. Call 1-866-811-6041 for more information.

Is there a self-directed brokerage option in my plan?For those desiring the most investment flexibility and choice, the plan offers a self-directed brokerage option, which gives you access to many other mutual funds. A complete description of the plan’s invest-ment options and their performance, as well as plan-ning tools to help you choose an appropriate mix, are available online at Fidelity NetBenefits ®.

How much should I save for retirement?Fidelity’s planning tools are designed to help you find out how much you may need to save as you plan for retirement. Simply log on to Fidelity NetBenefits® at www.netbenefits.fidelity.com to access these tools.

When am I vested?You are immediately 100% vested in your own contributions to the plan, as well as the Company’s matching contributions and any earnings on them.

However, if you are a highly compensated employee (HCE)* and you leave H&R Block with less than one year of service, any company contributions received the year you leave are subject to forfeiture. For example, if you are hired in July 2014, and you leave in February 2015, any company contributions you receive in 2015 would be forfeited.

Will I pay an administrative fee?A plan administration fee of $12.50 will be deducted from your account each calendar quar-ter for recordkeeping services. Everyone in the plan will pay the same fee for plan recordkeeping administration. This fee will appear in your plan account each quarter, representing the fee from the prior quarter. Please note: Due to annual recordkeeping and tax-reporting requirements, if you leave H&R Block during the plan year and take a full distribution from the plan, you will be charged the remaining year’s administration fee at the time the distribution is processed.

Can I take a loan from my account?Although your plan account is intended for the future, you may borrow from your account for any reason. You may borrow up to 50% of your vested pretax account balance. The minimum loan amount is $1,000, and a loan must not exceed $50,000. The cost to initiate a loan is $50, and there is an annual maintenance fee of $25. You may have one loan outstanding at a time.

Be sure you understand the plan guidelines and impact of taking a loan before initiating a loan from your plan account.

For more information on loans, log on to NetBenefits® at www.netbenefits.fidelity.com.

*We define an HCE as someone who received compensation in excess of $125,000 in 2019 or was a 5% owner at any time during the year. 3

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Can I take a withdrawal from my account?Withdrawals from the plan are generally permit-ted when you terminate your employment, retire, or reach age 59½, or if you become permanently disabled or have severe financial hardship as defined by your plan. To learn more about and/or to request a withdrawal, log on to Fidelity NetBenefits® at www.netbenefits.fidelity.com or call the H&R Block Retirement Service Center at 1-877-2-RET-HRB (1-877-273-8472). The plan document and current tax laws and regulations will govern in case of a discrepancy. Be sure you understand the tax consequences and your plan’s rules for distributions before you initiate a distri-bution. When you leave the Company, you can withdraw contributions and any associated earn-ings or, if your vested account balance is greater than $1,000, you can leave contributions and any associated earnings in the plan.

Can I move money from another retirement plan into my account in the plan?You may roll over eligible pretax and/or Roth contributions from another 401(k) plan, 403(a) plan, 403(b) plan, or a governmental 457(b) retirement plan account, or eligible pretax contributions from conduit Individual Retirement Accounts (rollover IRAs) and certain nonconduit individual retirement accounts (traditional IRAs, Simplified Employee Pension plans, and SIMPLE IRA distributions made more than two years from the date you first participated in the SIMPLE IRA). A conduit IRA is one that contains only money rolled over from an employer-sponsored retirement plan that has not been mixed with regular IRA contributions. You should consult your tax advisor and carefully consider the impact of making a rollover contribution to your employer’s plan because it could affect your eligibility for future special tax treatments.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

Where can I find information about exchanges and other plan features?You can learn about exchanges and more online through Fidelity NetBenefits® at www.netbenefits.fidelity.com. In particular, you can access loan and withdrawal modeling tools, a retirement savings calculator, and a variety of self-paced workshops to help you stay on track with your individual goals.

What are my rights with respect to mutual fund pass-through voting?As a plan participant, you have the ability to exercise voting, tender, and other similar rights for mutual funds in which you are invested through the plan. Materials related to the exercise of these rights will be sent to you at the time of any proxy meeting or tender offer, or with regard to similar rights relating to the particular mutual funds held in your account.

How do I obtain additional investment option and account information?The Company has appointed Fidelity to provide additional information on the investment options available through the plan. Also, a statement of your account may be requested online or by calling the H&R Block Retirement Service Center at 1-877-2-RET-HRB (1-877-273-8472).

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Investment OptionsHere is a list of investment options for the H&R Block Retirement SavingsPlan. For up-to-date performance information and other fund specifics, goto http://netbenefits.fidelity.com.

Target Date Funds

Placement of investment options within each risk spectrum is only in relation to the investment options within that specific spectrum. Placement does not reflect risk relative to the investmentoptions shown in the other risk spectrums.

ptions to the left have potentiallymore inflation risk and less investment risk

ptions to the right have potentially less inflation risk and more investment risk

Investment o Investment o

Vanguard Target Retirement Income

Trust II

Vanguard Target Retirement 2015 Trust II










Target date investments are generally designed for investors expecting to retire around the year indicated in each investment‘sname. The investments are managed to gradually become more conservative over time. The investment risks of each target dateinvestment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, includingequity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, smallcap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates.

The chart below lists the assigned fund the H&R Block Retirement Savings Plan believes will best fityour diversification needs should you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1948 Vanguard Target Retirement Income Trust II Retired before 2013

January 1, 1948 - December 31, 1952 Vanguard Target Retirement 2015 Trust II Target Years 2013 - 2017









January 1, 1993 and later* Vanguard Target Retirement 2060 Trust II Target Years 2058 and beyond

*Dates selected by Plan Sponsor

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ft have potentially more inflation risk and less investment risk less inflation risk and more investment risk

CCONSEERVVATIIVE AGGRESSIVE

Investment options to the le Investment options to the right have potentially

SHORT-TERMINVESTMENT BOND STOCKS AND

BONDS STOCKS

Stable Value Bond Balanced/Hybrid Domestic Equities International/

Global

Morley StableValue Fund Class20 - II

Diversified

Metropolitan WestTotal Return BondFund Plan Class

Vanguard TotalBond Market IndexFund InstitutionalShares

PIMCO InflationResponse Multi-Asset FundInstitutional

Large Value

T. Rowe PriceInstitutional LargeCap Value Fund

Large Blend

JPMorgan U.S.Equity FundClass R6

VanguardInstitutional IndexFund InstitutionalShares

Mid Blend

Vanguard ExtendedMarket Index FundInstitutional Shares

Large Growth

T. Rowe Price BlueChip Growth Fund IClass

Mid Growth

Hartford MidCapHLS Fund Class IA

Small Growth

GW&K Small CapCore CollectiveInvestment Fund

Diversified

MFS InstitutionalInternationalEquity Fund

Vanguard TotalInternational StockIndex FundInstitutional Shares

This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of thegeneral investment categories of the investment options and not on the actual security holdings, which can change frequently.Investment options in the Domestic Equity category are based on the options’ Morningstar categories as of 02/29/2020.Morningstar categories are based on a fund’s style as measured by its underlying portfolio holdings over the past three years andmay change at any time. These style calculations do not represent the investment options’ objectives and do not predict theinvestment options’ future styles. Investment options are listed in alphabetical order within each investment category. Riskassociated with the investment options can vary significantly within each particular investment category, and the relative risk ofcategories may change under certain economic conditions. For a more complete discussion of risk associated with the mutual fundoptions, please read the prospectuses before making your investment decision. The spectrum does not represent actual or impliedperformance.

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Fidelity BrokerageLink®

Fidelity BrokerageLink® gives you the opportunity to invest in an expandedrange of investment choices to manage your plan.

available share class that is appropriate for your situation. The plan fiduciaryneither evaluates nor monitors the investments available through

investments beyond those in your plan’s standard lineup..BrokerageLink includes

BrokerageLink. It is your responsibility to ensure that the investments you

schedule, and brochure, go to netbenefits.com and click on "Quick Links,"

select are suitable for your situation, including your goals, time horizon, andrisk tolerance. To enroll, and for more information about BrokerageLink,

You should compare investments and share classes that are available in your plan’s

then select "BrokerageLink."

including the Plan's BrokerageLink fact sheet, the brokerage commission

lineup with those available through BrokerageLink, and determine the

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Investment OptionsBefore investing in any mutual fund, consider the investment objectives,risks, charges, and expenses. Contact Fidelity for a mutual fundprospectus or, if available, a summary prospectus containing thisinformation. Read it carefully.

GW&K Small Cap Core Collective Investment Fund

VRS Code: 817964

Fund Objective: The Fund seeks long-term appreciation.

Fund Strategy: The Fund invests in a diversified portfolio of equity securities, including common stocks and other forms ofequity investments, of small-cap and mid-cap domestic companies. The Fund may invest up to 15% of its net assets insecurities of non-U.S. domiciled companies through ADR or substantially similar investments that trade on U.S. exchanges.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Growthstocks can perform differently from the market as a whole and can be more volatile than other types of stocks. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.

Fund short term trading fees: None

Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation.

● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.

Footnotes:● The investment option is a collective investment trust. It is managed by Global Trust Company. This description is only

intended to provide a brief overview of the fund.

● This investment option is not a mutual fund.

● The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 05/16/2018. The returns are provided by Morningstar and reflect the historical performance of the oldest, eligibleshare class of the Pool with reported expenses and an inception date of 04/01/2014

Hartford MidCap HLS Fund Class IA

VRS Code: 845651

Fund Objective: The investment seeks long-term growth of capital.

Fund Strategy: The fund seeks its investment objective by investing primarily in stocks selected by the sub-adviser, WellingtonManagement Company LLP. It normally invests at least 80% of its assets in common stocks of mid-capitalization companies.The advisor favors companies that it believes are high-quality. The manager defines mid-capitalization companies ascompanies with market capitalizations within the collective range of the Russell Midcap and S&P MidCap 400 Indices.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stockmarkets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. These risks may be magnified in foreign markets. Additional risk information for this product may be found inthe prospectus or other product materials, if available.



● Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks and withsmaller companies.

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Footnotes:● This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed

information about the fund.

● The Russell Midcap® Index is an unmanaged market capitalization-weighted index of 800 medium-capitalization stocks. Thestocks are also members of the Russell 1000® index.

● The S&P® MidCap 400 Index is an unmanaged market capitalization-weighted index of 400 medium-capitalization stocks.

JPMorgan U.S. Equity Fund Class R6

VRS Code: 878739

Fund Objective: The investment seeks to provide high total return from a portfolio of selected equity securities.

Fund Strategy: Under normal circumstances, the fund invests at least 80% of its assets in equity securities of U.S. companies."Assets" means net assets, plus the amount of borrowings for investment purposes. In implementing its strategy, the fundprimarily invests in common stocks of large- and medium-capitalization U.S. companies but it may also invest up to 20% of itsassets in common stocks of foreign companies, including depositary receipts.

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can declinesignificantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may bemagnified in foreign markets. Additional risk information for this product may be found in the prospectus or other productmaterials, if available.


Who may want to invest:● Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income.

● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.



● The analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 11/30/2010. These calculated returns reflect the historical performance of the oldest share class of the fund, withan inception date of 09/17/1993, adjusted to reflect the fees and expenses of this share class (when this share class’s fees andexpenses are higher.) Please refer to a fund’s prospectus for information regarding fees and expenses. These adjustedhistorical returns are not actual returns. Calculation methodologies utilized by Morningstar may differ from those applied byother entities, including the fund itself.

Metropolitan West Total Return Bond Fund Plan Class

VRS Code: 889080

Fund Objective: The investment seeks to maximize long-term total return.

Fund Strategy: The fund pursues its objective by investing, under normal circumstances, at least 80% of its net assets ininvestment grade fixed income securities or unrated securities that are determined by the Adviser to be of comparable quality.Up to 20% of the fund’s net assets may be invested in securities rated below investment grade. The fund also invests at least80% of its net assets plus borrowings for investment purposes in fixed income securities it regards as bonds.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. The fund may invest in lower-quality debt securities that involve greater risk of default or price changes due topotential changes in the credit quality of the issuer. Foreign securities are subject to interest-rate, currency-exchange-rate,economic, and political risks, all of which may be magnified in emerging markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.

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MFS Institutional International Equity Fund

VRS Code: 848526

Fund Objective: The investment seeks capital appreciation.

Fund Strategy: The fund normally invests at least 80% of the fund’s net assets in equity securities. It normally invests the fund’sassets primarily in foreign securities, including emerging market securities. The fund normally invests the fund’s assets acrossdifferent industries, sectors, countries, and regions, but it may invest a significant percentage of the fund’s assets in issuers in asingle industry, sector, country, or region.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Growth stocks can perform differently from the market as a whole and can be morevolatile than other types of stocks. Stock markets are volatile and can decline significantly in response to adverse issuer,political, regulatory, market, economic or other developments. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



Morley Stable Value Fund Class 20 - II

VRS Code: 877943

Fund Objective: The Fund seeks to provide preservation of capital, relatively stable returns consistent with its comparativelylow risk profile, and liquidity for benefit responsive plan or participant payments.

Fund Strategy: The Fund invests in a diversified portfolio of Stable Value Investment Contracts (Investment Contracts) issuedby life insurance companies, banks and other financial institutions, the performance of which may be predicated on underlyingfixed income investments. The principal value of these assets is designed to remain stable regardless of stock and bond marketfluctuations. The Fund is designed for long-term retirement investing.

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Fund Risk: The Contracts and securities purchased for the fund are backed solely by the financial resources of the issuers ofsuch Contracts and securities. An investment in the fund is not insured or guaranteed by the manager(s), the plan sponsor, thetrustee, the FDIC, or any other government agency. The Contracts purchased by the fund permit the fund to account for thefixed income securities at book value (principal plus interest accrued to date). Through the use of book value accounting, thereis no immediate recognition of investment gains and losses on the fund’s securities. Instead, gains and losses are recognizedover time by periodically adjusting the interest rate credited to the fund under the Contracts. However, while the fund seeks topreserve your principal investment, it is possible to lose money by investing in this fund. The Contracts provide for the paymentof certain withdrawals and exchanges at book value during the terms of the Contracts. In order to maintain the Contractissuers’ promise to pay such withdrawals and exchanges at book value, the Contracts subject the fund and its participants tocertain restrictions. For example, withdrawals prompted by certain events (e.g., layoffs, early retirement windows, spin-offs, saleof a division, facility closings, plan terminations, partial plan terminations, changes in laws or regulations) may be paid at themarket value of the fund’s securities, which may be less than your book value balance. Additional risk information for thisproduct may be found in the prospectus or other product materials, if available.Certain investment options offered by your plan (e.g., money market funds, short term bond funds, certain asset allocation/lifecycle funds and brokerage window) may be deemed by the Contract issuers to "compete" with this fund. The terms of theContracts prohibit you from making a direct exchange from this fund to such competing funds. Instead, you must firstexchange to a non-competing fund for 90 days. While these requirements may seem restrictive, they are imposed by theContract issuers as a condition for the issuer’s promise to pay certain withdrawals and exchanges at book value.


Who may want to invest:● Someone who seeks a slightly higher yield over the long term than is offered by money market funds, but who is willing to

accept slightly more investment risk.

● Someone who is interested in balancing an aggressive portfolio with an investment that seeks to provide stability of price.

Footnotes:● The investment option is a stable value fund. It is managed by Morley Capital Management, Inc. This description is only

intended to provide a brief overview of the fund.


● As of 11/25/2019 the fund name was updated from Morley Stable Value Fund on Fidelity systems including NetBenefits.

PIMCO Inflation Response Multi-Asset Fund Institutional

VRS Code: 826534

Fund Objective: The investment seeks total return which exceeds that of its benchmark.

Fund Strategy: The fund invests in a combination of Fixed Income Instruments of varying maturities, equity securities,affiliated and unaffiliated investment companies, which may or may not be registered under the Investment Company Act of1940, as amended (the "1940 Act"), forwards and derivatives, such as options, futures contracts or swap agreements, of variousasset classes in seeking to mitigate the negative effects of inflation. It may invest up to 25% of its total assets in equity-relatedinvestments.

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for thisproduct may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking to invest in a fund that invests in both stocks and bonds.

● Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing toaccept the volatility of the bond and stock markets.

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or call 1-877-2-R

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(1-877-273-8472)



● The benchmark is a blend of 45% Bloomberg Barclays U.S. TIPS Index, 20% Dow Jones-UBS Commodity Index Total Return,15% JPMorgan Emerging Local Markets Index Plus (Unhedged), 10% Dow Jones U.S. Select REIT Total Return Index, 10%Spot Gold. Bloomberg Barclays U.S. TIPS Index is an unmanaged market index comprised of all U.S. Treasury Inflation-Protected Securities rated investment grade (Baa3 or better), have at least one year to final maturity, and at least $250 millionpar amount outstanding. Performance data for this index prior to October 1997 represents returns of the Bloomberg BarclaysInflation Notes Index. Dow Jones-UBS Commodity Index Total Return is an unmanaged index composed of futures contractson 19 physical commodities. The index is designed to be a highly liquid and diversified benchmark for commodities as anasset class. JPMorgan Emerging Local Markets Index Plus (Unhedged) tracks total returns for local-currency denominatedmoney market instruments in 22 emerging markets countries with at least US$10 billion of external trade. The Dow Jones U.S.Select Real Estate Investment Trust (REIT) Total Return Index is a subset of the Dow Jones Americas Select Real EstateSecurities Index (RESI) and includes only REITs and REIT-like securities. The objective of the index is to measure theperformance of publicly traded real estate securities. The indexes are designed to serve as proxies for direct real estateinvestment, in part by excluding companies whose performance may be driven by factors other than the value of real estate.Prior to April 1st, 2009, this index was named Dow Jones Wilshire REIT Total Return Index. Dow Jones-UBS Gold Total ReturnIndex reflects the return on fully collateralized positions in the underlying commodity futures. It is not possible to investdirectly in an unmanaged index.

T. Rowe Price Blue Chip Growth Fund I Class

VRS Code: 869806

Fund Objective: The investment seeks long-term capital growth; income is a secondary objective.

Fund Strategy: The fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes)in the common stocks of large and medium-sized blue chip growth companies. It focuses on companies with leading marketpositions, seasoned management, and strong financial fundamentals. The fund may sell securities for a variety of reasons, suchas to secure gains, limit losses, or redeploy assets into more promising opportunities.

Fund Risk: Growth stocks can perform differently from the market as a whole and can be more volatile than other types ofstocks. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this productmay be found in the prospectus or other product materials, if available.



● Someone who is willing to accept the generally greater price volatility associated with growth-oriented stocks.




T. Rowe Price Institutional Large Cap Value Fund

VRS Code: 819247

Fund Objective: The investment seeks long-term capital appreciation; income is a secondary objective.

Fund Strategy: The fund will normally invest at least 80% of its net assets (including any borrowings for investment purposes)in securities of large-cap companies that the portfolio manager regards as undervalued. The manager defines a large-capcompany as having a market capitalization that, at the time of purchase, is either (i) larger than the current median marketcapitalization of companies in the Russell 1000® Value Index or (ii) larger than the three year average median marketcapitalization of companies in the index as of December 31 of the three preceding years.

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Fund Risk: Value stocks can perform differently than other types of stocks and can continue to be undervalued by the marketfor long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political,regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional riskinformation for this product may be found in the prospectus or other product materials, if available.



● Someone who is comfortable with the volatility of large-cap stocks and value-style investments.



● The Russell 1000&reg Value Index is an unmanaged market capitalization-weighted index of value-oriented stocks of thelargest U.S. domiciled companies that are included in the Russell 1000 Index. Value-oriented stocks tend to have lower price-to-book ratios and lower forecasted growth values.

Vanguard Extended Market Index Fund Institutional Shares

VRS Code: 847830

Fund Objective: The investment seeks to track a benchmark index that measures the investment return of small- and mid-capitalization stocks.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of S&P CompletionIndex, a broadly diversified index of stocks of small and mid-size U.S. companies. It invests by sampling the index, meaningthat it holds a broadly diversified collection of securities that, in the aggregate, approximates the full index in terms of keycharacteristics. These characteristics include industry weightings and market capitalization, as well as certain financialmeasures, such as price/earnings ratio and dividend yield.

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. The securities of smaller, less well-knowncompanies can be more volatile than those of larger companies. Stock markets are volatile and can decline significantly inresponse to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified inforeign markets. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatilityof investments in smaller companies.



● The S&P Completion Index contains all of the U.S. common stocks regularly traded on the New York and American StockExchanges and the Nasdaq over-the-counter market, except those stocks included in the S&P 500 Index.


Vanguard Institutional Index Fund Institutional Shares

VRS Code: 893556

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return oflarge-capitalization stocks.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the Standard &Poor’s 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of largeU.S. companies. The advisor attempts to replicate the target index by investing all, or substantially all, of its assets in the stocksthat make up the index, holding each stock in approximately the same proportion as its weighting in the index.

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or call 1-877-2-R

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(1-877-273-8472)

Fund Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can declinesignificantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may bemagnified in foreign markets. Additional risk information for this product may be found in the prospectus or other productmaterials, if available.



● Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility associated withinvesting in the stock market.



● S&P 500 Index is a market capitalization-weighted index of 500 common stocks chosen for market size, liquidity, and industrygroup representation to represent U.S. equity performance.


VRS Code: 894882

Fund Objective: Seeks to provide capital appreciation and current income consistent with its current asset allocation.

Fund Strategy: The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planningto retire and leave the workforce in or within a few years of 2015 (the target year). Within seven years after 2015, the trust’s assetallocation should resemble that of the Target Retirement Income Trust II. Unit price and return will vary.

Fund Risk: The target date funds are designed for investors expecting to retire around the year indicated in each fund’s name.The funds are managed to gradually become more conservative over time as they approach their target date. The investmentrisk of each target date fund changes over time as its asset allocation changes. They are subject to the volatility of the financialmarkets, including that of equity and fixed income investments in the U.S. and abroad, and may be subject to risks associatedwith investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at orafter their target dates. Additional risk information for this product may be found in the prospectus or other product materials,if available.


Who may want to invest:● Someone who is seeking an investment option intended for people in or very near retirement and who is willing to accept the

volatility of diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option or whodoes not feel comfortable making asset allocation choices over time.

Footnotes:● The investment option is a collective investment trust. It is managed by Vanguard. This description is only intended to

provide a brief overview of the fund.



VRS Code: 894883



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Who may want to invest:● Someone who is seeking an investment option that gradually becomes more conservative over time and who is willing to

accept the volatility of the markets.






VRS Code: 894884












VRS Code: 894893



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or call 1-877-2-R

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(1-877-273-8472)










VRS Code: 894894












VRS Code: 894895



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VRS Code: 894904












VRS Code: 894905



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or call 1-877-2-R

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VRS Code: 894906












VRS Code: 838426


Fund Strategy: The trust invests in Vanguard mutual funds using an asset allocation strategy designed for investors planningto retire and leave the work force in or within a few years of 2060 (the target year). Within seven years after 2060, the trust’sasset allocation should resemble that of the Target Retirement Income Trust II. Unit price and return will vary.

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Vanguard Target Retirement Income Trust II

VRS Code: 894872

Fund Objective: Seeks to provide current income and some capital appreciation.

Fund Strategy: The trust invests in Vanguard mutual funds according to an asset allocation strategy designed for investorscurrently in retirement. Unit price and return will vary.

Fund Risk: The fund is subject to the volatility of the financial markets, including that of equity and fixed income investments.Fixed income investments carry issuer default and credit risk, inflation risk, and interest rate risk. (As interest rates rise, bondprices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Principal invested is notguaranteed at any time, including at or after retirement. Additional risk information for this product may be found in theprospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking an investment option intended for people in retirement and who is willing to accept the volatility of

diversified investments in the market.

● Someone who is seeking a diversified mix of stocks, bonds, and short-term investments in one investment option and lookingprimarily for the potential for income and, secondarily, for share-price appreciation.




Vanguard Total Bond Market Index Fund Institutional Shares

VRS Code: 844511

Fund Objective: The investment seeks the performance of Bloomberg Barclays U.S. Aggregate Float Adjusted Index.

Fund Strategy: Bloomberg Barclays U.S. Aggregate Float Adjusted Index represents a wide spectrum of public, investment-grade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of itsinvestments will be selected through the sampling process, and at least 80% of its assets will be invested in bonds held in theindex.

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or call 1-877-2-R

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(1-877-273-8472)

Fund Risk: In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise,bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed incomesecurities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, mostbond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is notpossible. Additional risk information for this product may be found in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase in share

price.

● Someone who is seeking to diversify an equity portfolio with a more conservative investment option.



● The Bloomberg Barclays U.S. Aggregate Float Adjusted Index measures the total universe of public, investment-grade,taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominatedbonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year.


Vanguard Total International Stock Index Fund Institutional Shares

VRS Code: 877800

Fund Objective: The investment seeks to track the performance of a benchmark index that measures the investment return ofstocks issued by companies located in developed and emerging markets, excluding the United States.

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the FTSE Global AllCap ex US Index, a float-adjusted market-capitalization-weighted index designed to measure equity market performance ofcompanies located in developed and emerging markets, excluding the United States. It invests all, or substantially all, of itsassets in the common stocks included in its target index.

Fund Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of whichmay be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growthstocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock marketsare volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or otherdevelopments. Additional risk information for this product may be found in the prospectus or other product materials, ifavailable.


Who may want to invest:● Someone who is seeking to complement a portfolio of domestic investments with international investments, which can

behave differently.

● Someone who is willing to accept the higher degree of risk associated with investing overseas.



● The FTSE Global All Cap ex US Index is part of a range of indices designed to help US investors benchmark theirinternational investments. The index comprises large, mid and small cap stocks globally excluding the US.


21

Incoming Rollover Instructions

Plan Name: Plan #: The H&R Block Retirement Savings Plan 81424

One H&R Block Way

11th Floor

Kansas City, MO 64105

“Rolling over” money into the H&R Block Retirement Savings Plan

is a three-step process. Please follow these instructions to ensure

that this process is completed in a timely and accurate manner.

Please Note: Failure to follow these instructions may result in a

delay in the processing of your request and may jeopardize your

ability to roll over your distribution.

Step 1. Request your distribution

Request a direct rollover distribution from your previous eligible

retirement plan. See the Rollover Contribution Form for a list of the

types of plans or accounts from which rollovers may be made to

your employer's plan. There are two distribution check

payable options:

Option 1.

1. The check can be made payable to Fidelity Investments

Institutional Operations Company, Inc. (or FIIOC), for the benefit

of (YOUR NAME). The check must be from the distributing

trustee or custodian. (Personal checks are not acceptable.)

Note: This type of distribution avoids automatic income tax

withholding. Also, it avoids the possible 10% early withdrawal

penalty if you are under the age of 59 ½.

Option 2.

2. If the distribution was originally made payable directly to you,

you must send your rollover contribution to Fidelity via a

certified check or money order only for the amount you are

rolling over. (Personal checks are not acceptable.)

Note: If your distribution is initially received as a check made

payable to you, your rollover must be completed within 60 days

of receipt of the distribution. Your previous administrator will

be required to withhold income taxes. As a result, you will not

be able to roll over 100% of your eligible distribution unless you

have extra savings available to make up the amount withheld.

You must also roll over that amount within 60 days of receipt of

your distribution. If you do not make up the amount withheld,

that amount will be considered a withdrawal from the previous

program and the taxable portion will be subject to ordinary

income taxes and possibly a 10% early withdrawal penalty.

Fidelity does not accept wire transfers of funds. You must request a

CHECK from your previous plan or IRA.

The check should be mailed directly to you. Once you have received

the check, please follow the directions in Step 2.

Step 2. Initiate your rollover request

Please log on to NetBenefits® at http://netbenefits.fidelity.com to

initiate your request or complete the Incoming Rollover

Contribution Form. Please be sure to complete all items, and sign

the form if indicated.

Failing to properly complete the process will result in your

transaction not being processed and your check being returned to

you. This form and any separate documentation required by your

Plan Sponsor will be reviewed through an automated process.

Fidelity will not consider or act upon any unrequested

documentation or any information provided outside the areas of the

form where specific information has been requested.

Please Note: This rollover contribution will be invested based on

the investment elections you have on file for rollover contributions

to the Plan. If you have not made investment elections for rollover

contributions, this amount will be invested in the Plan-designated

default investment option. If you wish to make investment

elections for your rollover contribution, please do so via

NetBenefits or by contacting Fidelity Investments prior to

submitting this form.

If you are not sure of the plan type that you are rolling out of,

please contact your previous plan sponsor or IRA custodian for

verification. An incorrect plan type could invalidate your rollover.

If you are currently enrolled in the Fidelity® Personalized Planning

& Advice, an advisory service, your rollover contribution will

automatically be invested according to your current model

portfolio percentages.

Step 3. Mail the information

Mail (1) the Incoming Rollover Contribution Application and (2) the

check to:

FIRST CLASS MAIL WITH STAMP:

Fidelity Investments

Client Service Operations

P.O. Box 770003

Cincinnati, OH 45277-0065

Overnight Address:

Fidelity Investments

Client Service Operations (KC1F-L)

100 Crosby Parkway

Covington, KY 41015

Please include all the information requested. Incomplete forms and

the accompanying check will be returned to you and may jeopardize

your ability to roll over your distribution.

Once your contribution is accepted into the H&R Block Retirement

Savings Plan, you can log on to Fidelity NetBenefits®

at http://netbenefits.fidelity.com to view your rollover

contribution and investment election(s). Please allow at least seven

business days for processing. If you have any questions about

rollover contributions, call 1-877-2-RET-HRB (1-877-273-8472).

Please be sure you have beneficiary information for the Plan on file.

To establish or change your beneficiary information for the H&R

Block Retirement Savings Plan, please

access http://netbenefits.fidelity.com.

You should make a copy of the check and the Incoming Contribution

Application for your records.

734092 DC 81424

Plan Name: Plan #:

Incoming Rollover Contribution Application

Section One: Participant Information (please print)

Enclosed Contribution:

$ . Pretax dollars Roth 403(b) $ .

$ . Roth 401(k)Roth 403(b) contributions

excluding earnings $ .

$ .

Roth 401(k) contributions excluding earnings

Date of first Roth 403(b) contribution

Date of first Roth 401(k) contribution Roth 457(b) $ .

Roth 457(b) contributions excluding earnings $ .

Date of first Roth 457(b) contribution

The following section must be completed entirely to ensure that your account is properly set up.

Social Security #:

Hire Date: _____/_____/_____ Birth Date: _____/_____/_____

Participant Name (first, MI, last): _______________________________________________________________________________________

Participant Address: ________________________________________________________________________________________________

City: ____________________________________________________ State: _______________ ZIP: ___________________________

Phone (day): ______________________________________________ Phone (evening): ________________________________________

Section Two: Rollover Contribution Information

Acceptable rollover sources

The H&R Block Retirement Savings Plan 81424

The H&R Block Retirement Savings Plan will accept taxable* money from the following types of employer-sponsored plans: 401(a) plans

(e.g., 401(k)); Roth 401(k) plans; 403(a) plan (annuities); governmental 457(b) plans; 403(b) plans (e.g., plans of tax-exempt organizations); Roth

403(b) plans; and Roth 457(b) plans. In addition, the Plan will accept: conduit IRAs (rollover IRAs), nonconduit IRAs (traditional IRAs, Simplified

Employee Pension plans (SEP-IRAs)), and “SIMPLE” IRA distributions made more than two years from the date you first participated in the

SIMPLE IRA; traditional IRAs; Simplified Employee Pension plans (SEP-IRAs); “SIMPLE” IRA distributions.

*Taxable money is defined as pretax contributions (employee and employer), earnings on pretax contributions, and earnings on

after-tax contributions from your previous employer’s plan.

Please complete this application and return it with your rollover check.

Fidelity Investments Institutional Operations Company, Inc.

Please provide the following information concerning the origin of this rollover: Plan name: ____________________________________

401(k) Plan Governmental 457(b) Plan Conduit IRA (rollover IRA)

401(a) Plan Roth 401(a)/401(k) Plan Nonconduit IRA

403(b) Plan Roth 403(b) Plan

572336.25.0

Unacceptable rollover funds

The H&R Block Retirement Savings Plan cannot accept money from the following sources: rollovers from beneficiaries, payments over a life expectancy or a period

of 10 or more years, or mandatory age 70½ distributions. Also unacceptable are: Roth IRAs; Coverdell Education IRAs; retirement plans of foreign countries. In-

kind distributions of employer stock are not acceptable; therefore, stock must be sold and the proceeds (including any appreciation realized through the date of

distribution) may be rolled over. After-tax contributions may not be rolled over into this Plan.

Section Three: Investment Elections

I direct Fidelity to invest my rollover contribution into my current investment mix applicable to rollover contributions. If I have not selected an investment mix on

my own via NetBenefits® or by telephone, I understand that this rollover contribution will be invested in the Plan's default investment option as directed by

my employer.

To make an investment election or to request a fund prospectus please log on to http://netbenefits.fidelity.com.

If you are currently enrolled in the Fidelity® Personalized Planning & Advice, an advisory service, your rollover contribution will automatically be invested

according to your current model portfolio percentages.

Section Three: Investment Elections Section Four: Participant Certification

I authorize the investment election for this rollover and acknowledge that I have received information detailing my available investment options. I acknowledge

that my rollover contribution will be invested according to the investment election on file at Fidelity. I also acknowledge that if I do not already have investment

elections on file at Fidelity, my rollover contribution will be invested in my plan‘s default investment option.

I certify that this rollover amount is composed ONLY of money from acceptable sources listed under Section Two, and I have completed the information regarding

the source of this money to the best of my knowledge. Also, if the distribution check was made payable to me, I understand that this rollover must be received and

deposited to my account within 60 days of receipt of the distribution. I understand that, once invested, these monies will be subject to the terms that govern the

H&R Block Retirement Savings Plan.

Signature of Employee Date

Application must be signed, or form and check will be returned to you.

X

For more information about the H&R Block Retirement Savings Plan, go to http://netbenefits.fidelity.com.

This information is intended to be educational and is not tailored to the investment needs of any specific investor.

Fidelity® Personalized Planning & Advice at Work is a service of Fidelity Personal and Workplace Advisors LLC and Strategic AdvisersLLC. Both are registered investment advisers, are Fidelity Investments companies and may be referred to as "Fidelity," "we," or"our" within. For more information, refer to the Terms and Conditions of the Program. When used herein, Fidelity Personalized

Planning & Advice refers exclusively to Fidelity Personalized Planning & Advice at Work. This service provides advisory services for

a fee.

This document provides only a summary of the main features of the H&R Block Retirement Savings Plan and the Plan Document willgovern in the event of discrepancies.

The Plan is intended to be a participant-directed plan as described in Section 404(c) of ERISA, which means that fiduciaries of thePlan are ordinarily relieved of liability for any losses that are the direct and necessary result of investment instructions given by aparticipant or beneficiary.

© 2010 - 2020 FMR LLC. All rights reserved.

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Documents

H&R Block Retirement Savings Plan 2020 - The 401k