CONSTELLATION FINANCIAL ADVISORS, INC.

ed for investment gains or losses. Such a withdrawal would be subject to federal income tax but not to any early withdrawal penalty. Additionally, the participant will forfeit any employer matching contributions made with respect to such automatic contributions. In accordance with the Setting Every Community Up for Retirement Enhancement Act of 2019 (the “SECURE Act”) and the SECURE 2.0 Act of 2022 (“SECURE 2.0 Act”), participants will begin receiving benefit payments no later than April 1 of the calendar year following the calendar year in which they attain age 73 (72 if they reached age 72 on or after January 1, 2020 and before January 1, 2023, or 70½ if they reached age 70½ before January 1, 2020). 5 Table of Contents CONSTELLATION EMPLOYEE SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS Par

ollective bargaining agreement that does not provide for participation in the Plan . Newly hired employees that do not elect to participate within 90 days after they receive their automatic enrollment notice are automatically enrolled into the Plan as soon as administratively possible after the 90 th day following receipt of their automatic enrollment notice with a pre-tax deferral no less than 5 % of eligible pay per pay period and 1 % increase each March 1, generally beginning with the second calendar year that begins after automatic enrollment first applies to the participant, until the rate reaches 10 %. Contributions to the Plan made by employees who did not file an investment election generally will be automatically invested in the custom target retirement fund that corresponds to th

participants 6,047 Net increase in fair value of investments 1,092,752 Total investment income 1,101,383 Total additions 1,455,715 DEDUCTIONS Benefits paid to participants 526,934 Administrative expenses 3,591 Total deductions 530,525 Net increase 925,190 NET ASSETS AVAILABLE FOR BENEFITS Beginning of year $ 5,976,662 End of year $ 6,901,852 (a) Consists only of dividend income from the Constellation Stock Fund. The accompanying Notes are an integral part of these Financial Statements. 4 Table of Contents CONSTELLATION EMPLOYEE SAVINGS PLAN NOTES TO FINANCIAL STATEMENTS 1. Plan Description The following description of the Constellation Employee Savings Plan (the “Plan”) is provided for general information purposes only. Participants should refer to the Plan document for a more complete des