Your retirement plan is taking a bold new pathYour account is moving to Empower Retirement effective September 10, 2019

Empower named Retirement Leader of the Year*

Empower Retirement helps more than 9.1 million people save for retirement†

* 23rd annual Mutual Fund Industry Awards, 2016.

† As of March 31, 2019. Information refers to all retirement businesses of Great-West Life & Annuity Insurance Company and its subsidiaries and affiliates, including Great-West Life & Annuity Insurance Company of New York, marketed under the Empower Retirement brand.

This change to The Heritage Group Retirement Savings Plan account is designed to give you more ways to access and manage your account, improve your overall retirement planning experience, and empower you to make the journey to retirement as rewarding as every day after.

As part of the move, you’ll enjoy these great features:• The same or similar great investment options to help you build a diversified portfolio

• Access to complimentary investment advice and the option to enroll in a professionally managed account

• A robust website with a state-of-the-art planning tool that estimates your monthly income in retirement, including healthcare expenses

• Access to the Empower Retirement mobile app, which allows you the freedom to enroll, access and manage your account whenever, wherever from your iOS or Android™ device

• A new phone number with more automated options to help you get to the right place more quickly

What you need to knowTransitionYour account will automatically transfer effective September 10, 2019. No action is required from you for the transfer of your:

• Contribution elections.

• Investment elections.

• Loan or distribution arrangements if applicable.

• Beneficiary elections.

Blackout periodYou will have limited access to your account beginning September 4, 2019, until the week of September 22, 2019. This blackout period will allow for the transfer of the plan’s administrative records to Empower.

Other important news• Keep an eye out for Empower Retirement & Financial Wellness Overview sessions available via webinar or at select sites.

• If you haven’t reviewed your current 401(k) beneficiary information lately, log in to your 401(k) account at vanguard.com and review/update your beneficiary designations. This information will be transferred to Empower.

• If you have general questions, contact HR Shared Services at hrss@thgrp.com or 800-303-0408, option 3.

A special note to associates not actively employed by The Heritage Group

You are receiving this announcement because you have a balance in The Heritage Group Retirement Savings Plan. Even though you are not actively contributing to your account, you can still take advantage of other benefits the plan offers.

Week of September 22, 2019Transition period ends• Enjoy full access to your retirement account online

and by phone.

• Gain the ability to make requests and changes.

Contact Empower at: 844-465-4455

empowermyretirement.com

Dates and times are subject to change. We will keep you informed should this occur.

Educational meetings You’re invited to learn more about your plan

Join us!

Important dates and contact informationSeptember 4, 2019Deadline for account changes• This is your last day to contact Vanguard to request

account transactions, including contribution changes, investment election changes, loans or withdrawals.

September 4, 2019, at 4 p.m. Eastern timeTransition period begins• You will have limited access to your account.

• Payroll deductions will continue during the blackout period.

How your account will transfer As part of your move to Empower, your account will transfer as shown in the table below. If you would like your account to transfer differently, simply change the elections for your current balance and your future contributions (if you are an active associate) by contacting Vanguard by September 4, 2019. You can also make changes after the move is complete. This transfer may result in an increase or decrease of your investment risk exposure and may or may not be consistent with your target strategy or investment style. You are urged to review your account prior to and/or after the blackout period and make adjustments to your asset allocation if necessary.

BALANCES IN THESE FUNDS TICKER WILL AUTOMATICALLY TRANSFER TO TICKER

Vanguard Retirement Savings Trust N/A Putnam Stable Value Fund 25 N/A

Vanguard Prime Money Market Fund Investor Shares VMMXX Vanguard Federal Money Market Fund Investor Class VMFXX

Vanguard Total Bond Market Index Fund Investor Shares VBMFX Vanguard Total Bond Market Index Fund Admiral Shares VBTLX

Vanguard Wellington™ Fund Investor Shares VWELX Vanguard Wellington™ Fund Admiral™ Shares VWENX

First Eagle Global Fund Class A SGENX First Eagle Global Fund Class A SGENX

Vanguard 500 Index Fund Investor Class VFINX Vanguard 500 Index Fund Admiral Class VFIAX

Vanguard Windsor™ II Fund Investor Share VWNFX Vanguard Windsor™ II Fund Admiral™ Shares VWNAX

Vanguard PRIMECAP Fund Admiral Shares VPMAX Vanguard PRIMECAP Fund Admiral Shares VPMAX

Vanguard Explorer Fund Investor Class VEXPX Vanguard Explorer Fund Admiral Shares VEXRX

Vanguard Small Capitalization Growth Index Fund Investor Shares VISGX Vanguard Small-Cap Growth Index Fund Admiral Shares VSGAX

Delaware Small Cap Value Fund Institutional Class DEVIX Delaware Small Cap Value Fund Institutional Class DEVIX

Vanguard International Growth Fund Investor Shares VWIGX Vanguard International Growth Fund Admiral Shares VWILX

Oakmark International Fund Class Investor OAKIX Oakmark International Fund Class Investor OAKIX

Invesco Oppenheimer Developing Markets Fund ODVYX Invesco Oppenheimer Developing Markets Fund ODVYX

Vanguard Target Retirement Income Fund Investor Shares VTINX Vanguard Institutional Target Retirement Income Fund Institutional Shares VITRX

Vanguard Target Retirement 2015 Fund Investor Shares VTXVX Vanguard Institutional Target Retirement 2015 Fund Institutional Shares VITVX

Vanguard Target Retirement 2020 Fund Investor Shares VTWNX Vanguard Institutional Target Retirement 2020 Fund Institutional Shares VITWX

Vanguard Target Retirement 2025 Fund Investor Shares VTTVX Vanguard Institutional Target Retirement 2025 Fund Institutional Shares VRIVX

Vanguard Target Retirement 2030 Fund Investor Shares VTHRX Vanguard Institutional Target Retirement 2030 Fund Institutional Shares VTTWX

Vanguard Target Retirement 2035 Fund Investor Shares VTTHX Vanguard Institutional Target Retirement 2035 Fund Institutional Shares VITFX

Vanguard Target Retirement 2040 Fund Investor Shares VFORX Vanguard Institutional Target Retirement 2040 Fund Institutional Shares VIRSX

Vanguard Target Retirement 2045 Fund Investor Shares VTIVX Vanguard Institutional Target Retirement 2045 Fund Institutional Shares VITLX

Important note about the Vanguard Retirement Savings TrustBecause of the provisions of Vanguard Retirement Savings Trust, any portion of your account balance invested in the fund as of September 4, 2019, will transfer to Empower and will remain invested in the Vanguard Retirement Savings Trust until the restriction period is over on April 2, 2020, unless you make a different election.

Future contributions previously allocated to Vanguard Retirement Savings Trust will be invested in Putnam Stable Value Fund 25 in your new account at Empower.

New funds available to youBeginning the week of September 22, 2019, The Heritage Group is also adding new funds to give you more options to diversify your account. For a list of all the available investment options in your plan, as well as access to fund fact sheets, investment returns and prospectuses, visit empowermyretirement.com today, click on fund information and enter the plan number 194630-01.

BALANCES IN THESE FUNDS TICKER WILL AUTOMATICALLY TRANSFER TO TICKER

Vanguard Target Retirement 2050 Fund Investor Shares VFIFX Vanguard Institutional Target Retirement 2050 Fund Institutional Shares VTRLX

Vanguard Target Retirement 2055 Fund Investor Shares VFFVX Vanguard Institutional Target Retirement 2055 Fund Institutional Shares VIVLX

Vanguard Target Retirement 2060 Fund Investor Shares VTTSX Vanguard Institutional Target Retirement 2060 Fund Institutional Shares VILVX

Vanguard Target Retirement 2065 Fund Investor Shares VLXVX Vanguard Institutional Target Retirement 2065 Fund Institutional Shares VSXFX

What happens next

The move to Empower is designed to be as smooth and easy as possible. You do not need to do anything at this time unless you want to make changes to your account. Once the transfer is complete, you will receive a notice from Empower.

You’re unique — your retirement strategy should be, too. Introducing Empower Retirement Advisory Services. • Let our experienced investment professionals create a personalized retirement strategy just for you, tailored to your lifestyle,

situation and goals.

• And because we understand that your investment needs evolve over time, our licensed consultants continually review your strategy and work with you to make the appropriate adjustments for your situation.

• You’ll also gain access to Online Advice and complimentary educational resources — all designed to help you feel confident about your important saving, investing and retirement-income decisions.

• The result is a retirement strategy that is personalized, simplified, comprehensive and one-on-one.

• Contact Empower the week of September 22, 2019, at 844-465-4455 to learn more.

There is no guarantee provided by any party that participation in any of the advisory services will result in a profit.

IF THIS DESCRIBES YOU… YOU MIGHT CONSIDER…

HELP ME DO IT • You’re interested in investing and managing your account on your own.

• You like reviewing plan investments and tracking performance.

• You seek advice or a second opinion before executing investment decisions on your own.

Online Advice (No additional cost to you)

DO IT FOR ME • You don’t have the time, desire or knowledge to invest on your own.

• You don’t mind paying a fee to have your account managed for you.

Professional Management Program (Additional fees apply, see enclosure for details.)

Online Advice and the Professional Management Program are part of the Empower Retirement Advisory Services suite of services offered by Advised Assets Group, LLC, a registered investment adviser.

Important notice concerning your rights in the Heritage Group Retirement Savings Plan August 2, 2019

This notice is to inform you that your account in The Heritage Group Retirement Savings Plan will transfer to Empower Retirement effective September 10, 2019.

As a result of this change, you will be temporarily unable to check your account balance; transfer or diversify your investments in The Heritage Group Retirement Savings Plan account; or obtain a loan, withdrawal or distribution. This period during which you will be unable to exercise these rights otherwise available under the plan is called a blackout period. Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this period may affect your retirement planning as well as your overall financial plan.

The temporary blackout period begins at 4 p.m. Eastern time on September 4, 2019, and ends the week of September 22, 2019. During this time, you will have limited or no access to your account. You will be unable to check your account balance; transfer or diversify your investments or obtain a loan, withdrawal or distribution from The Heritage Group Retirement Savings Plan account.

Before the blackout period begins, it is very important that you review and consider the appropriateness of your current investments because you will be unable to transfer or diversify those investments during the blackout period. For your long-term retirement security, you should give careful consideration to the importance of a well-balanced and diversified investment portfolio, taking into account all your assets, income and investments.

To review your plan account and request any changes to the account’s investment allocation before the blackout period begins, contact Vanguard at 800-523-1188, plan number: 092317, or access your account online at vanguard.com by September 4, 2019.

Once the blackout period ends, Empower will notify you, and you will have full access to your plan account. If you would like to confirm the status of the blackout period or have questions concerning this notice, contact Empower at 844-465-4455 or empowermyretirement.com.

Carefully consider the investment objectives, risks, fees and expenses of the annuity and/or the investment options. Contact us for a prospectus, a summary prospectus and disclosure document, as available, containing this information. Read them carefully before investing.Securities offered by GWFS Equities, Inc., Member FINRA/SIPC, marketed under the Empower brand. GWFS is affiliated with Great-West Funds, Inc.; Great-West Trust Company, LLC; and registered investment advisers Advised Assets Group, LLC and Great-West Capital Management, LLC, marketed under the Great-West Investments™ brand. This material has been prepared for informational and educational purposes only and is not intended to provide investment, legal or tax advice.

Putnam funds are managed by Putnam Investment Management. Putnam mutual funds are distributed by Putnam Retail Management. Putnam is affiliated with GWL&A and GWL&A of NY and its subsidiaries.

The Putnam Stable Value Fund 25 fund’s equity wash provision requires that participants must direct assets being redeemed to a “non-competing fund” for a period of 90 days before directing them to a “competing fund” such as Vanguard Federal Money Market Fund Investor Class.

Diversification does not ensure a profit and does not protect against loss in declining markets.

IMPORTANT: The projections, or other information generated on the website by the investment analysis tool regarding the likelihood of various investment outcomes, are hypothetical in nature. They do not reflect actual investment results and are not guarantees of future results. The results may vary with each use and over time. Healthcare costs and projections, if applicable, are provided by HealthView Services. HealthView Services is not affiliated with GWFS Equities, Inc. Empower Retirement does not provide healthcare advice. A top peer is defined as an individual who is at the 90th percentile of the selected age band, salary range and gender.

Vanguard is not affiliated with GWFS Equities, Inc. or its parent company or affiliates.

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Bank Guaranteed | Funds May Lose Value | Not Insured by Any Federal Government Agency

©2019 Great-West Life & Annuity Insurance Company. All rights reserved. 194630-01-SOX-27382-1907 RO900554-0719