Introduction
Employees of an Acquired Company
Eligibility and Enrollment
- Who Is Eligible
- Individuals Not Eligible
- Enrolling to Participate in the Plan
- Eligible Pay
- Naming a Beneficiary
- Changing Your Beneficiary
Continuous Service and Breaks in Service
- Continuous Service
- Counting Hours of Service
- Breaks in Service and Reemployment
Plan Contributions and Contribution Limits
- Your Before-Tax, Roth and After-Tax Contributions
  - How Before-Tax, Roth and After-Tax Contributions Differ
- Changing Your Contributions
- Catch-up Contributions
- How to Elect Catch-up Contributions
- Employer Matching Contributions
- Employer Non-Elective Contributions
- Profit Sharing Contributions
- Rollover Contributions
Vesting
Investment Options
- Investment Information
- The Managed Account Option
- The Importance of Diversification
- Default Investment Option
- Additional Rules and Information on the Investment Options
Changing Your Investments
- Existing Account Balance
- How Often You Can Make Changes
- When Changes Take Effect
- Automatic Rebalancing
- Restrictions on Reallocation
- Restrictions on Transfers from the Stable Assets Fund to Other Investment Options
- Blackout Periods
- Future Contributions
- When Changes Take Effect
- Fund Performance
- Fees
- Daily Valuations
Accessing Your Plan Account
Loans and Withdrawals
- Loans
Distribution Options Upon Termination of Employment
- Distribution Options
- How to Elect a Distribution
- Deferring Distribution
In the Event of Your Death
If You Are on a Leave of Absence
- If You Are on a Disability Leave
- If You Are on a Military Leave of Absence
  - How Your Plan Participation Is Affected
  - Loans While on Military Leave
- If You Are on a Parental Leave
- If You Are on Another Type of Approved Unpaid Leave of Absence
Fidelity Customer Protection Guarantee
- How the Guarantee Works
- What You Need to Do
- What If I Have a Claim?
- What if Fidelity denies my claim?
- What’s Not Covered
- For More Information
Other Important Plan Information
- If Your Job Status Changes or You Transfer
- If You Formerly Participated in Another Plan
- Top-Heavy Rules
- Nondiscrimination Rules
- Amendment and Termination
- Source of Benefits
- Restrictions on Payments
- Not a Contract of Employment
When Participation Ends
How Taxes Affect Your Benefit
- Your Contributions
- Tax on Distributions and Withdrawals
- Eligible Rollover Distributions
- Special Rules for Stock Distributions
- Additional Information
How to Apply for Benefits
Claims and Appeal Procedures
- Claims Procedure
- Appeals Procedure
- Extension of deadlines
- Judicial Review
Other Important Plan Information
- Administrative Information
Your Rights Under ERISA
- Receive Information About Your Plan and Benefits
- Prudent Actions by Plan Fiduciaries
- Enforce Your Rights
- Assistance with Your Questions
Your Responsibilities

Other Important Plan Information

If You Formerly Participated in Another Plan

Participants Formerly Employed by IHS Markit, Inc. or one of its Subsidiaries (“IHS Markit”)

If you are a former employee of IHS Markit, Inc. or one of its subsidiaries (automotiveMastermind, Inc., CARFAX, Inc. IHS Markit, Ltd., Markit North America, Inc. and MarkitSERV, LLC (a “Former IHS Employee”):

You are 100% vested in any account balances transferred from the IHS Markit 401(k) Plan to the Plan.

Any beneficiary designation you made under the IHS Markit 401(k) Plan will carry over to the Plan. However, you are strongly encouraged to check your beneficiary designation under the Plan to make sure it accurately reflects your current choice of beneficiaries. Any beneficiary designation made under the Plan will replace a beneficiary designation made under the IHS Markit 401(k) Plan.

Outstanding loans under the IHS Markit 401(k) Plan will carry over to the Plan after the merger of the IHS 401(k) Plan into the Plan. If you have an outstanding loan under the IHS Markit 401(k) Plan, your will continue to repay your loans in the Plan in the same manner as you have in the IHS Markit 401(k) Plan. The merger of the IHS Markit 401(k) Plan into the Plan will not affect the terms or length of your loans as set forth under the IHS Markit 401(k) Plan.

If you have one of the separate accounts listed below, you can take a withdrawal at any time from them at any, regardless of whether you have attained age 59½ or experienced a hardship:

A separate account for employer matching contributions for periods prior to 2007 under the IHS Markit 401(k) Plan;
A separate account for employer non-elective contributions received beginning on or after January 1, 2012, and before January 1, 2017, and your separate account for employer non-elective contributions as of August 22, 2017;
A separate Employer Discretionary Contributions account transferred from the Compliance Technologies International LLC Incentive Savings Trust; and
Up to the balance that was in your employee contributions accounts as of May 1, 2006, if you were employed by the former CERA Employing Unit.