The Savings Plan — 401(k)

In addition to your own contributions, you may be eligible for a company matching contribution—and that will help your account grow faster. Learn about the company contribution at siemenshealthineers401k.voya.com or call the Siemens Healthineers Retirement Service Center at 844-920-4009.

You can contribute to the Savings Plan through automatic payroll deductions on a before-tax basis, Roth (after-tax) or regular after-tax basis, up to annual IRS limits. Choosing how to contribute allows you to align your savings strategy with your current and future goals. You have four ways to contribute:

1. Before-tax contributions. Lower your taxable income today. You pay taxes later when you withdraw your contributions and any earnings in retirement.
2. Roth contributions. Pay taxes now, so qualified⁽¹⁾ withdrawals—including earnings—are tax free in retirement.
3. Catch-up contributions. If you’re 50 or older, you can contribute additional amounts on a before-tax or Roth after-tax basis, up to the IRS limits. Important: If you earned $150,000 or more in FICA⁽²⁾ wages during 2025, and you make catch-up contributions in 2026, those contributions must be made on a Roth (after-tax) basis as required under SECURE 2.0⁽³⁾.
4. Regular after-tax contributions. Pay taxes now on these contributions. Your earnings grow tax deferred and are taxed when withdrawn.

You can mix your contribution options and adjust your elections at any time, as long as you stay within IRS limits. You may also convert eligible vested before-tax or after-tax contributions to a Roth 401(k). Keep in mind that taxes will apply to any taxable amounts converted in the year of conversion. You may want to consult a tax advisor to understand how a conversion impacts your individual situation.
For more details on plan rules, taxes, and withdrawal options, see the Summary Plan Description. Siemens Healthineers encourages you to consult a financial or tax advisor to determine the approach that best supports your individual financial goals.
(1) A qualified withdrawal meets the IRS rules for tax-free treatment. Refer to the Summary Plan Description for more information.
(2) Federal Insurance Contributions Act.
(3) Setting Every Community Up for Retirement Enhancement Act 2.0.

If you’re eligible, you can enroll in or decline enrollment in the plan within your first 30 days of employment. If no action is taken during that time, you will be automatically enrolled in the plan’s default contribution rate and investment fund.

You can change your contribution rate, investment elections, or opt out of the plan at any time after enrollment by logging into your account on siemenshealthineers401k.voya.com or by contacting the Siemens Healthineers Retirement Service Center at 844-920-4009.

You can choose to automatically increase the percentage you contribute each year to the Savings Plan—giving you one less thing to remember! With Voya’s Rate Escalator you can schedule automatic increases to your contribution rate in set increments on annual basis. You can change your election or turn off rate escalation at any time.

For more information, to enroll, or to access your account online visit siemenshealthineers401k.voya.com.

The money you contribute to the Savings Plan, and the earnings on that money, is always yours to keep. However, ownership of the company’s matching contributions is transferred to you over the first five years of employment.

Although the Savings Plan is designed for long-term savings, you may borrow from your account and pay yourself back with interest through payroll deductions. There are two types of loans available:

Loan type	Eligibility requirements
General-purpose loan	Allows you to take a loan for any reason
Principal residence loan	Allows you to purchase a principal residence (house, condominium, land for new construction, etc.) for yourself

Go to siemenshealthineers401k.voya.com or the Summary Plan Description (SPD) for more details.

Please note: If you request a loan or withdrawal from the Savings Plan, your balance (if any) in the Personal Choice Retirement Account (PCRA), formerly the self-directed brokerage account, will be included in the total amount that you may borrow or withdraw. However, you cannot access money for loans or withdrawals directly from your PCRA.

Although the Savings Plan is designed for long-term savings, you may be eligible for the following types of withdrawals:

• Non-financial-hardship withdrawals
• Financial-hardship withdrawals

Go to siemenshealthineers401k.voya.com or the Summary Plan Description (SPD) for more information on withdrawals.

It’s important that you make your wishes clear so that your loved ones are taken care of. If you die, your beneficiary will receive the full value of your account. If you’re already receiving installment payments at the time of your death, your beneficiary will receive your remaining account balance in a lump sum payment.

Important: If you haven’t designated a beneficiary, your account will be distributed as follows:

• First, to your surviving spouse
• If none, to your surviving children in equal shares
• If neither, to your estate

To designate beneficiaries, log on to siemenshealthineers401k.voya.com, then navigate to Personal Information and then Beneficiary Information. If you have any questions, contact the Siemens Healthineers Retirement Service Center at 844-920-4009.

Investment advice is offered through Voya Retirement Advisors (VRA), in partnership with Edelman Financial Engines. VRA can provide you with education, guidance, and ongoing support that can assist you in making better retirement decisions now and in the future by:

• Helping you understand and take better advantage of your retirement benefits.
• Providing unbiased advice to help you pick the right investments.
• Creating a comprehensive retirement plan that considers all of your investments.

VRA offers investment advice through the following options:

Speaking with a VRA Investment Advisor—Provides personalized advice from a licensed representative over the phone. There are no additional fees for this support.

Online Advice—Provides personalized recommendations on how much to contribute, along with guidance on investment options and asset allocation designed to help you meet your retirement goals at no cost. You remain in control—whether or not to act on the advice is entirely up to you.

Professional Management—Provides direct personalized portfolio management of your accounts in the plan. If you choose this service, there is an additional fee that will be charged to your accounts in the plan. Information about fees for the Professional Management service can be found on siemenshealthineers401k.voya.com.

You can access VRA’s investment advisory services through siemenshealthineers401k.voya.com or by calling the Siemens Healthineers Retirement Service Center at 844-920-4009 and speaking with a Retirement Advisor.

If you leave the company or retire, your vested account balance will determine your options. Balances of $1,000 or less at the time of separation are automatically distributed as a lump sum. Balances greater than $1,000 up to $7,000 will automatically be rolled over to a Voya IRA if no action is taken. Larger balances offer additional flexibility, including leaving your money in the plan, taking distributions, or rolling over to another qualified retirement account.

Siemens Healthineers encourages you to consult a financial or tax advisor before making a decision. Go to siemenshealthineers401k.voya.com or the Summary Plan Description (SPD) for more information on your distribution options.

You can access your account two ways:

• Visiting siemenshealthineers401k.voya.com
• Calling the Siemens Healthineers Retirement Service Center at 844-920-4009

You can:

• Review the balances in your account
• Review the activity in your account
• Review and change your contribution rate
• Review and change how your contributions will be invested
• Review your current investments and change how your assets are allocated among the available investment options
• Request a loan or withdrawal
• Designate your beneficiary(ies)