This document is a Summary of Material Modifications to the 2018 version, intended to notify you of important changes made to BNY Mellon's benefit plans for the plan year beginning on January 1, 2019. The information set forth in this Guide is in summary form. It is not intended to, and does not, provide tax or investment advice and is not a guarantee of employment of any nature. In the event of any discrepancy between this information and the applicable plan documents, the terms of the applicable plan documents control. BNY Mellon reserves the right to change or eliminate any of its benefit plans at any time for any reason, subject to applicable law.

If you have questions, call the BNY Mellon Benefit Solutions Service Center at 1-800-947-4748, option 2, Monday through Friday, 8:30 a.m. to 8:00 p.m. Eastern Time.