YOUR GUIDE TO GETTING STARTED - Fidelity Investments...Fund Objective: The investment seeks long-term capital appreciation and current income. Fund Strategy: Under normal circumstances,

YOUR GUIDE TO GETTING STARTED

William Marsh Rice University Defined Contribution RetirementPlan, #95122

Invest in your retirement—and yourself—today, with help from

the Rice University 401(a) Plan and Fidelity.

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

When can I enroll in the Plan?

Rice University will determine when you areeligible and will provide enrollment materialsto you at that time.

How do I enroll in the Plan?

Enroll Online directly with Fidelity

1. To begin your enrollment process, log on tothe Fidelity online enrollment site athttp://enrollonline.fidelity.com

2. Have your Rice University 401(a) Plan IDNumber ready to set up your account: 95122 –Rice University 401(a) Plan You will need toenter the plan ID number as the plan’sidentification number in order to set up youraccount.

3. Follow the prompts to enroll. Once youraccount is set up you will be led to FidelityNetBenefits® at www.netbenefits.fidelity.com tocreate a username and password and choosean investment mix for your contributions. If youprefer an alternative to your Social SecurityNumber, you can create a username after yourinitial log in to NetBenefits®. A link todirections for creating a username is locatedon the NetBenefits log in screen.

4. Go to your Benefits Office to complete anelection form to select Fidelity as yourinvestment provider.

Next Steps

● Upon completion of your enrollment, youwill receive a confirmation letter in the mailcontaining helpful information about Fidelityand how to manage your account.

● To monitor and manage your accountimmediately, visitwww.netbenefits.com/atwork or call1-800-343-0860.

What is the formula for the moneypurchase pension employer contribution?

% Comp % Comp

Less than Greater than

Age 50 Age 50

Within SS Wage Base 7% 10%

Above SS Wage Base 12% 15%

What is the IRS contribution limit?

The IRS contribution limit for 2019 is$19,000.

How do I designate my Beneficiary?

Simply complete the enclosed BeneficiaryDesignation Form and return it to Fidelity inthe enclosed envelope.

What are my investment options?

To help you meet your investment goals, thePlan offers you a range of options. You canselect a mix of investment options that bestsuits your goals, time horizon, and risktolerance. The 28 investment optionsavailable through the Plan includeconservative, moderately conservative, andaggressive funds. A complete description ofthe Plan’s investment options and theirperformance, as well as planning tools tohelp you choose an appropriate mix, areavailable online.

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What if I don’t make an investmentelection?

We encourage you to take an active role inthe Rice University 401(a) Plan and chooseinvestment options that best suit your goals,time horizon, and risk tolerance. If you donot select specific investment options in thePlan, your contributions will be invested inthe Vanguard Institutional Target RetirementFund Institutional Shares with the targetretirement date closest to the year youmight retire, based on your current age andassuming a retirement age of 65, at thedirection of Rice University. Please refer tothe chart in the Investment Options sectionfor more detail. If no date of birth or aninvalid date of birth is on file at Fidelity, yourcontributions may be invested in theVanguard Institutional Target RetirementIncome Fund Institutional Shares. For moreinformation about the Vanguard InstitutionalTarget Retirement Income Fund InstitutionalShares, log intowww.netbenefits.com/atwork.

When am I vested?

Rice University’s contributions and anyearnings vest according to the followingschedule:

Years of service Vested percentage0-1 year 01+ years 100

Can I make withdrawals from my account?

Withdrawals from the Plan are generallypermitted when you are of retirement ageand terminate your employment, retire, orbecome permanently disabled as defined byyour Plan. Keep in mind that withdrawals aresubject to income taxes and possibly toearly withdrawal penalties.

How do I access my account?

You can access your account online throughFidelity NetBenefits® atwww.netbenefits.com/atwork or call theFidelity Retirement Benefits Line at

1-800-343-0860 to speak with arepresentative or use the automated voiceresponse system, virtually 24 hours, 7 days aweek.

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Investment OptionsHere is a list of investment options for the Rice University 401(a) Plan. Forup-to-date performance information and other fund specifics, goto www.netbenefits.com/atwork.

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 Institutional Target Retirement

Income Fund Institutional Shares


2015 Fund Institutional Shares





















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.

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The chart below lists the assigned fund the Rice University 401(a) Plan believes will best fit yourdiversification needs should you not select an investment option.

Your Birth Date* Fund Name Target Retirement Years

Before 1943 Vanguard Institutional Target Retirement

Income Fund Institutional Shares

Retired before 2008

January 1, 1943 - December 31, 1947 !!No Fund Code Match!! Target Years 2008 - 2012

January 1, 1948 - December 31, 1952 Vanguard Institutional Target Retirement 2015

Fund Institutional Shares

Target Years 2013 - 2017

























January 1, 1993 and later* Vanguard Institutional Target Retirement 2060


Target Years 2058 and beyond

*Dates selected by Plan Sponsor

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Core Investment Options

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

Money Market Bond Domestic Equities International/Global Specialty

Government

Vanguard FederalMoney MarketFund InvestorShares

Diversified

Metropolitan WestTotal Return BondFund Plan Class

Vanguard TotalBond Market IndexFund InstitutionalShares

Large Value

John HancockFunds DisciplinedValue FundClass R6

Mid Value

American CenturyMid Cap ValueFund I Class

Small Value

American BeaconSmall Cap ValueFund Investor Class

Large Blend

VanguardInstitutional IndexFund InstitutionalShares

Mid Blend

Vanguard Mid-CapIndex FundInstitutional Shares

Small Blend

Vanguard Small-Cap Index FundInstitutional Shares

Large Growth

Fidelity® Contrafund®

Mid Growth

MassMutual SelectMid Cap GrowthFund Class I

Small Growth

Carillon EagleSmall Cap GrowthFund Class I

Diversified

American FundsEuroPacific GrowthFund® Class R-6

Vanguard TotalInternational StockIndex FundInstitutional Shares

Cohen & SteersInstitutional RealtyShares

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 11/30/2018.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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ink® Fidelity BrokerageLink®

Fidelity BrokerageLink® combines the convenience of your workplace retirement plan with the additional flexibility of a brokerage account. It gives you expanded investment choices to manage your retirement contributions.

e plan fiduciary neither evaluates nor monitors the investments available

you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

ThBrokerageLink® includes investments beyond those in your plan’s lineup

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

.

To enroll, and for more information about BrokerageLink,

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

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

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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.

American Beacon Small Cap Value Fund Investor Class

VRS Code: 047008

Fund Objective: The investment seeks long-term capital appreciation and current income.

Fund Strategy: Under normal circumstances, at least 80% of the fund’s net assets (plus the amount of any borrowings forinvestment purposes) are invested in equity securities of small market capitalization U.S. companies. These companies havemarket capitalizations of $5 billion or less at the time of investment. The fund’s investments may include common stocks, realestate investment trusts ("REITs"), American Depositary Receipts ("ADRs") and U.S. dollar-denominated foreign stocks tradedon U.S. exchanges (collectively, "stocks").

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valuestocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods oftime. 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.

Fund short term trading fees: None

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

● Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.

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 analysis on these pages may be based, in part, on adjusted historical returns for periods prior to the class’s actualinception of 02/26/1999. These calculated returns reflect the historical performance of the oldest share class of the fund, withan inception date of 12/31/1998, 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.

American Century Mid Cap Value Fund I Class

VRS Code: 078325

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

Fund Strategy: Under normal market conditions, the portfolio managers will invest at least 80% of the fund’s net assets inmedium size companies. The portfolio managers consider medium size companies to include those whose marketcapitalizations at the time of purchase are within the capitalization range of the Russell 3000® Index, excluding the largest 100such companies.

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. The securities of smaller, less well-known companies can be more volatile than those of largercompanies. 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 comfortable with value-style investments and the potentially greater volatility of investments in smallercompanies.

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● The Russell 3000 Index is an unmanaged market capitalization-weighted index that includes the 3,000 largest U.S. companiesrepresenting approximately 98 percent of the investable U.S. equity market.


American Funds EuroPacific Growth Fund® Class R-6

VRS Code: 085007

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

Fund Strategy: The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investmentadviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potentialfor above-average capital appreciation. It normally will invest at least 80% of its net assets in securities of issuers in Europe andthe Pacific Basin. The fund may invest a portion of its assets in common stocks and other securities of companies in emergingmarkets.

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.




Carillon Eagle Small Cap Growth Fund Class I

VRS Code: 085239

Fund Objective: The investment seeks long-term capital appreciation.

Fund Strategy: The fund normally invests at least 80% of its net assets (plus the amount of any borrowings for investmentpurposes) in the stocks of small-capitalization companies. The fund’s portfolio managers consider small-capitalizationcompanies to be those companies that, at the time of initial purchase, have a market capitalization equal to or less than thelargest company in the Russell 2000® Growth Index during the most recent 12-month period.

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.


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.

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● The Russell 2000® Growth Index is an unmanaged market capitalization-weighted index of growth-oriented stocks of U.S.domiciled companies that are included in the Russell 2000 Index. Growth-oriented stocks tend to have higher price-to-bookratios and higher forecasted growth values.


Cohen & Steers Institutional Realty Shares

VRS Code: 048790

Fund Objective: The investment seeks total return through investment in real estate securities.

Fund Strategy: The fund invests at least 80%, and normally substantially all, of its total assets in common stocks and otherequity securities issued by real estate companies. It may invest up to 20% of its total assets in securities of foreign issuers(including emerging market issuers) which meet the same criteria for investment as domestic companies, including investmentsin such companies in the form of American Depositary Receipts ("ADRs"), Global Depositary Receipts ("GDRs") and EuropeanDepositary Receipts ("EDRs"). The fund is non-diversified.

Fund Risk: Real Estate is a cyclical industry that is sensitive to interest rates, economic conditions (both nationally and locally),property tax rates, and other factors. Changes in real estate values or economic downturns can have a significant negativeeffect on issuers in the real estate industry. 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. Sector fundscan be more volatile because of their narrow concentration in a specific industry. In general the bond market is volatile, andfixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usuallymore pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks forboth issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding lossescaused by price volatility by holding them until maturity is not possible. Additional risk information for this product may befound in the prospectus or other product materials, if available.


Who may want to invest:● Someone who is willing to accept the potentially lower diversification and higher risks associated with investing in a particular

industry or sector.

● Someone who is seeking to complement his or her core holdings with investments concentrated in a particular sector orindustry.



Fidelity® Contrafund®

VRS Code: 000022

Fund Objective: Seeks capital appreciation.

Fund Strategy: Investing in securities of companies whose value FMR believes is not fully recognized by the public. Investingin either ’growth’ stocks or ’value’ stocks or both. Normally investing primarily in common stocks.

Fund Risk: The value of the fund’s domestic and foreign investments will vary from day to day in response to many factors.Stock values fluctuate in response to the activities of individual companies, and general market and economic conditions.Investments in foreign securities involve greater risk than U.S. investments. You may have a gain or loss when you sell yourshares.



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



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John Hancock Funds Disciplined Value Fund Class R6

VRS Code: 015880

Fund Objective: The investment seeks to provide long-term growth of capital primarily through investment in equitysecurities; current income is a secondary objective.

Fund Strategy: The fund normally invests at least 80% of its net assets in a diversified portfolio consisting primarily of equitysecurities, such as common stocks, of issuers with a market capitalization of $1 billion or greater and identified by the manageras having value characteristics. It may also invest up to 20% of its total assets in foreign currency-denominated securities. Thefund may participate as a purchaser in initial public offerings of securities (IPO).

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.




MassMutual Select Mid Cap Growth Fund Class I

VRS Code: 023261

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

Fund Strategy: The fund invests primarily in equity securities of mid-capitalization companies that the fund’s subadvisersbelieve offer the potential for long-term growth. It invests at least 80% of its net assets (plus the amount of any borrowings forinvestment purposes) in a broadly diversified portfolio of common stocks of mid-cap companies whose earnings thesubadvisers expect to grow at a faster rate than the average company.

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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Metropolitan West Total Return Bond Fund Plan Class

VRS Code: 089080

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 similar quality. Up to20% of the fund’s net assets may be invested in securities rated below investment grade. The fund also invests at least 80% ofits 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. 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.




Vanguard Federal Money Market Fund Investor Shares

VRS Code: 045481

Fund Objective: The investment seeks to provide current income while maintaining liquidity and a stable share price of $1.

Fund Strategy: The fund invests primarily in high-quality, short-term money market instruments. Under normal circumstances,at least 80% of the fund’s assets are invested in securities issued by the U.S. government and its agencies and instrumentalities.It maintains a dollar-weighted average maturity of 60 days or less and a dollar-weighted average life of 120 days or less. Thefund generally invests 100% of its assets in government securities and therefore will satisfy the 99.5% requirement fordesignation as a government money market fund.

Fund Risk: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of yourinvestment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed by theFederal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal obligation to providefinancial support to money market funds and you should not expect that the sponsor will provide financial support to the fundat any time. 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 has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively

stable.

● Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular assetallocation.



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Vanguard Institutional Index Fund Institutional Shares

VRS Code: 093556

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.

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.

Vanguard Institutional Target Retirement 2015 Fund Institutional Shares

VRS Code: 065223

Fund Objective: The investment seeks to provide capital appreciation and current income consistent with its current assetallocation.

Fund Strategy: The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed forinvestors planning to retire and leave the workforce in or within a few years of 2015 (the target year). The fund’s asset allocationwill become more conservative over time, meaning that the percentage of assets allocated to stocks will decrease while thepercentage of assets allocated to bonds and other fixed income investments will increase.

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.



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VRS Code: 065224





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: 065225










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VRS Code: 065226











VRS Code: 065227










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VRS Code: 065228











VRS Code: 065229










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VRS Code: 065230











VRS Code: 065231










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VRS Code: 065232











VRS Code: 038995










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Vanguard Institutional Target Retirement Income Fund Institutional Shares

VRS Code: 065221

Fund Objective: The investment seeks to provide current income and some capital appreciation.

Fund Strategy: The fund invests in other Vanguard mutual funds according to an asset allocation strategy designed forinvestors currently in retirement. Its indirect bond holdings are a diversified mix of short-, intermediate-, and long-term U.S.government, U.S. agency, and investment-grade U.S. corporate bonds; inflation-protected public obligations issued by the U.S.Treasury; mortgage-backed and asset-backed securities; and government, agency, corporate, and securitized investment-grade foreign bonds issued in currencies other than the U.S. dollar.

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 Mid-Cap Index Fund Institutional Shares

VRS Code: 021348

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

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the CRSP US MidCap Index, a broadly diversified index of stocks of mid-size U.S. companies. The advisor attempts to replicate the target indexby investing all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately thesame proportion as its weighting in the index.

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 CRSP US Mid Cap Index targets inclusion of the U.S. companies that fall between the top 70%-85% of investable marketcapitalization.

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Vanguard Small-Cap Index Fund Institutional Shares

VRS Code: 023466

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

Fund Strategy: The fund employs an indexing investment approach designed to track the performance of the CRSP US SmallCap Index, a broadly diversified index of stocks of small U.S. companies. The advisor attempts to replicate the target index byinvesting all, or substantially all, of its assets in the stocks that make up the index, holding each stock in approximately thesame proportion as its weighting in the index.

Fund Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Valueand growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks cancontinue to be undervalued by the market for long periods of time. 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 CRSP US Small Cap Index includes U.S. companies that fall between the bottom 2%-15% of the investable marketcapitalization. There is no lower limit in market capitalization, other than what is specified by investability screens.


Vanguard Total Bond Market Index Fund Institutional Shares

VRS Code: 044511

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.

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.

20

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● 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: 077800

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. The index includes approximately 5,800stocks of companies located in over 45 countries.

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

Fidelity Investments

Qualifi ed Plan Benefi ciary Designation

1. GENERAL INSTRUCTIONS

Please complete this form and sign it on the back. In the future, you may revoke the benefi ciary designation and designate a different benefi ciary by submitting a new Benefi ciary Designation form to Fidelity.

Mailing instructions: Return this form in the enclosed postage-paid envelope or to

Fidelity Investments, P.O. Box 770002, Cincinnati, OH 45277-0090Questions? Call Fidelity Investments at 1-800-343-0860 Monday through Friday from 8:00 A.M. to midnight ET, or visit us

at www.netbenefits.com/atwork.

2. DESIGNATING YOUR BENEFICIARY(IES)

You are not limited to three primary and three contingent benefi ciaries. To assign additional benefi ciaries, or to designate a more complex benefi ciary designation, please attach, sign, and date a separate piece of paper.

When designating benefi ciaries, please use whole percentages and be sure that the percentages for each group of benefi cia-ries total 100%. Your primary benefi ciary cannot be your contingent benefi ciary. If you designate a trust as a benefi ciary, please include the date the trust was created, and the trustee’s name.

Unless otherwise specifi ed by your plan, if more than one person is named and no percentages are indicated, payment will be made in equal shares to your primary benefi ciary(ies) who survives you. If a percentage is indicated and a primary benefi ciary(ies) does not survive you, the percentage of that benefi ciary’s designated share shall be divided among the surviving primary benefi ciary(ies) in proportion to the percentage selected for them.

3. SPOUSAL CONSENT

Spousal Consent: If you are married, your plan requires that you designate your spouse as primary benefi ciary for at least 50% of your vested account balance, payable in the form of a preretirement survivor annuity. If you are married and you do not designate your spouse as your primary benefi ciary for your account balances as described above, your spouse must sign the Spousal Consent portion of this form in the presence of a notary public or a representative of the plan.

Age 35 Requirement: Your spouse must be the primary benefi ciary of your account as described above unless your spouse con-sents to a different primary benefi ciary. If this designation occurs prior to the fi rst day of the plan year in which you attain age 35, this designation is void on the earlier of (a) the fi rst day of the plan year in which you attain age 35, or (b) the date of separation from service. When this designation is voided, your spouse will become the benefi ciary for the amount described above. If you wish to designate a different primary benefi ciary at that time you will need to complete a new Benefi ciary Designation form.

4. AUTHORIZATION

Please provide your signature.

Fidelity Investments Institutional Operations Company, Inc.

023390001

Fidelity Investments

Qualifi ed Plan Benefi ciary Designation

1. YOUR INFORMATIONPlease use a black pen and print clearly in CAPITAL LETTERS.

Social Security #: Date of Birth:

First Name:

Last Name:

Street Address:

Address Line 2:

City: State:

Zip:

Daytime Phone: Evening Phone:

Name of Employer: Plan Number (if known): 9 5 1 2 2

I am: Single OR Married Name of Site/Division:

2. DESIGNATING YOUR BENEFICIARY(IES)

Please check here if you have more than three primary or three contingent benefi ciaries.

Primary Benefi ciary(ies)I hereby designate the person(s) named below as primary benefi ciary(ies) to receive payment of the value of my account(s) under the plan upon my death.

1. Individual: OR Entity Name:

Social Security Number: OR Tax ID Number: Percentage:

%

Date of Birth or Trust Date: Relationship to Applicant:

Spouse OR Trust OR Estate/Charity OR Other

2. DESIGNATING YOUR BENEFICIARY(IES) (CONTINUED)



%





%

Date of Birth or Trust Date: Relationship to Applicant: Total = 100%


Contingent Benefi ciary(ies)If there is no primary benefi ciary(ies) living at the time of my death, I hereby specify that the value of my account is to be distributed to my contingent benefi ciary(ies) listed below. Please note: Your primary benefi ciary cannot be your contingent benefi ciary.



%





%





%

Date of Birth or Trust Date: Relationship to Applicant: Total = 100%


Payment to contingent benefi ciary(ies) will be made according to the rules of succession described under Primary Benefi ciary(ies).

023390003

Please provide signature on next page.

Your Signature: X Date:

3. SPOUSAL CONSENTAs the spouse of the Participant named above, I understand that, under the terms of the Plan, my spouse’s retirement benefi ts are to be paid to me in the form of a Qualifi ed Joint and Survivor Annuity (QJSA), unless I choose to give up that right. By signing below, I hereby acknowledge that I understand: (1) that the effect of my consent may result in the forfeiture of benefi ts I would otherwise be entitled to receive upon my spouse’s death; (2) that my spouse’s waiver of the QJSA is not valid unless I consent to it; (3) that my consent is voluntary, (4) that my consent is irrevocable unless my spouse revokes the waive to the QJSA; and (5) that my consent (signature) must be witnessed by a notary public or a representative of the Plan.

I understand that if this benefi ciary designation is executed prior to the fi rst day of the plan year in which the participant turns 35 that my rights to receive the QJSA benefi t as determined by the retirement plan provisions will be restored to me on the earlier of (a) the fi rst day of the plan year in which the participant attains age 35, or (b) the date the participant separates from service with the employer sponsoring the retirement Plan.

Signature of Participant’s Spouse: Date:

XTo be completed by a notary public or representative of the plan:

Witnessed by Plan Representative: Date:

X

4. AUTHORIZATION AND SIGNATURE

Individual Authorization: By executing this form

• I certify under penalties of perjury that my Social Security number in Section 1 on this form is correct.• I understand that I may designate a benefi ciary for my assets accumulated under the Plan and that if I choose not to

designate a benefi ciary, distributions will be made according to the plan document.• I am aware that the benefi ciary information included in this form becomes effective when delivered to Fidelity and will remain in

effect until I deliver another completed and signed Benefi ciary Designation Form to Fidelity with a later date.• I am aware that the benefi ciary information provided herein shall apply to all my Fidelity Accounts under the plan listed in Section 1.

427489.2.1 Fidelity Investments Institutional Operations Company, Inc. 1.940153.100

Sworn before me this day

In the State of , County of

Notary Public Signature:

X

My Commission Expires: Notary stamp must be in the above box

1.940154.102427489.2.9

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

This document provides only a summary of the main features of the Rice University 401(a) Plan and the Plan Document will govern inthe 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 - 2018 FMR LLC. All rights reserved.

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Documents

YOUR GUIDE TO GETTING STARTED - Fidelity Investments...Fund Objective: The investment seeks long-term capital appreciation and current income. Fund Strategy: Under normal circumstances,