PepsiCo

GETTING YOUR MONEY OUT OF THE SAVINGS PLAN

When you retire, you have a few options as to how you can receive distributions from the Savings Plan. Contact a Healthy Money counselor or The PepsiCo Savings and Retirement Center at Fidelity to discuss these options and choose the one that's best for you.

As an employee, there may be circumstances where you find yourself considering a loan or in-plan distribution, for example, if you experience unforeseen financial hardship. Before you decide to borrow or withdraw from your Savings Plan account, we recommend you consult a Healthy Money counselor or your personal financial advisor for help understanding the consequences and potential disadvantages of doing so, including the impact it could have on your final benefit.

Contact a Healthy Money counselor at 1-866-737-7498 orus_financial.coaching@pwc.com. Call The PepsiCo Savings and Retirement Center at Fidelity at 1-800-632-2014.

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This guide is intended to provide a summary of some of the features of the PepsiCo Savings Plan; however the official plan documents remain the final authority and, in the event of a conflict with this guide, will govern in all cases. While PepsiCo, Inc. (Company) currently intends to continue the Savings Plans and programs described herein, the Company reserves the right to amend, modify or terminate the Savings Plans or programs at any time. Nothing in this guide should be construed as a promise or guarantee of future benefits or any level or amount of benefits, or as a promise or guarantee of employment or future employment for any duration.

January 2023