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Welcome to the CenterPoint Energy Savings Plan

QUICK GUIDE

The CenterPoint Energy Savings Plan is a valuable benefit designed to help support your retirement savings strategy. This guide provides highlights of the Savings Plan for those new to saving as well as experienced investors. See complete details at cnpsavings..

Keep thinking of your future.

Since saving for retirement is important, CenterPoint Energy will automatically enroll you in the Savings Plan at a 6% pre-tax savings rate after 30 days of employment.

The CenterPoint Energy Savings Plan offers great benefits, including:

? Deferred income taxes on pre-tax contributions ? Tax-free growth on after-tax Roth 401(k) contributions* ? Company matching contributions ? Diversified investment options

Since saving for retirement is important, CenterPoint Energy will automatically enroll you in the Savings Plan at a 6% pre-tax savings rate after 30 days of employment.

MAXIMIZE YOUR SAVINGS.

CenterPoint Energy adds a dollar to your account for every dollar you contribute, up to the first 6% of your eligible pay. Set your contribution rate to at least 6% to get the full company match, but don't stop there. Increasing your contributions now can really pay off in retirement.

$600k $500k $400k $300k $200k $100k

$0 0

10% Contribution ($333/mo.) plus 6% Employer Match ($200/mo.)

$552,270 $391,703

6% Contribution ($200/mo.) plus 6% Employer Match ($200/mo.)

10

20

30

YEARS

Based on an annual salary of $40,000 with a 6% average annual investment return compounded monthly. This example is for illustrative purposes only. It is not intended to represent the future returns of any investments in the Plan and is not intended as investment advice.

* For Roth contributions and earnings to be eligible for tax-free withdrawals, it must have been at least five years since the first day of the year in which you made your initial Roth deposit to your account and you must be at least age 59? (or the withdrawal must be in the event of your disability or your death). Roth contributions are subject to tax at the time of contribution.

Three reasons the CenterPoint Energy Savings Plan makes sense.

1

CENTERPOINT ENERGY HELPS YOU SAVE.

The company will match your contributions dollar for dollar, up to the first 6% of your eligible pay. These matching contributions help your account grow faster.

2

TIME IS ON YOUR SIDE IF YOU START SAVING NOW.

Starting right now can make a huge difference. Why? Because your investment earnings get reinvested back into your account, where they can grow further through a powerful process called compounding.

Your earnings grow tax-free while your money is invested in the Savings Plan. You pay taxes when you withdraw your savings. Roth contributions are taxed at the time of contribution, but earnings grow tax-free while they are invested in the Savings Plan and you may be able to take tax-free withdrawals in retirement subject to certain requirements.

3

IF YOU SAVE $100 A MONTH,* YOU COULD END UP WITH:

40

$398,298

YEARS

30

YEARS

20 $92,408

YEARS

$200,903

Starting early and saving for 40 years instead of 30 years almost doubles the

amount of money you end up with.

* Based on saving $100 a month and getting an additional $100 a month in matching contributions, with a 6% average annual investment return compounded monthly. This example is for illustrative purposes only. It is not intended to represent the future returns of any investments in the Plan and is not intended as investment advice. All investments entail risk and the value of investments can go up or down at any time.

YOUR 401(K) SAVINGS BELONGS TO YOU.

You are immediately 100 percent vested in all Savings Plan contributions, including the company match. That means you are entitled to all the funds in your Savings Plan account.

Check your savings progress with myOrangeMoney?

When it comes to planning for retirement, saving gets you started, but it's knowing how much income you'll need that can help you work toward being ready. The myOrangeMoney? experience on your Savings Plan website and mobile app instantly shows you how your savings can translate into estimated monthly income in retirement. You can model a variety of saving and investment scenarios to help close any savings gaps, factor in outside income sources like Social Security and explore how estimated healthcare costs in retirement might impact your income needs. And when you're ready to make a change, simply click the Make Change Now button on the Savings Plan website to put your plan into action!

You don't have to wait for automatic enrollment, you can start saving today!

ONLINE

cnpsavings.

? Log in with your Social Security number and Voya-issued Personal Identification Number (PIN)

? From the Home Page select Enroll Now ? Get started by setting your retirement goals.

Based on your answers, you'll be shown your potential monthly retirement income need. Then it's time to make some decisions regarding how much you want to contribute and what funds you want to choose. ? Select your contribution rate (the percentage of your eligible pay you want deducted and invested into your account each pay period) ? Select a mix of investment funds ? Confirm and Submit

PHONE

713-207-7373 or 800-932-7444

? Log in with your Social Security number and Voya-issued Personal Identification Number (PIN)

? Select Enrollment ? Follow the instructions ? Press "0" at any time to speak to a customer

service associate

Choose your own investment path

Whether you want help choosing investments and managing your account, or prefer to make investment decisions on your own, the CenterPoint Energy Savings Plan gives you options. For more information about the funds, including historical performance, go to Investments on the Savings Plan website.

Get there myself Guide me

Get me there

IF YOU WANT:

To create your own investment strategy and you have the investment knowledge and time, you can choose your investments from the available core fund line-up.

The convenience of having a professional choose and manage your investment mix based on your anticipated retirement date, consider a target date option.

Professional advice and financial planning guidance tailored to your personal situation, Voya Retirement Advisors (VRA)* provides you with two levels of service.

CONSIDER:

The Plan's Core Investment Options -- You may invest in any fund or combination of funds offered by the Savings Plan. These include stocks, bonds and cash investments.

The Target Retirement Income Funds -- Helps you eliminate the guesswork of choosing multiple funds because you only choose one fund based on the year you want to retire. Professional investment managers do all the work by investing in a mix of funds guided by the number of years until retirement.

Online Advice -- If you prefer to manage your own account, this online service lets you get personalized retirement income forecasts, risk assessments, and specific savings and fund recommendations at no additional cost to you.

Professional Management -- If you prefer to have your account managed for you, you can work with a VRA Investment Advisor Representative and receive personalized advice and forecasts, as well as specific savings and fund recommendations.

There is an additional fee based on your account balance if you enroll in the Professional Management program. For details, go to Account > Get Advice on the Savings Plan website or call the Savings Plan Center at 713-207-7373 or 800-932-7444 and ask to speak to a VRA Investment Advisor Representative. Representatives are available from Monday?Friday (excluding stock market holidays), 7 a.m.? 7 p.m. Central time.

* Advisory Services provided by Voya Retirement Advisors, LLC (VRA). For more information, please read the Voya Retirement Advisors Dis closure Statement, Advisory Services Agreement and your Savings Plan's Fact Sheet. These documents may be viewed online by accessing the advisory services link(s) through the Savings Plan website at cnpsavings.. You may also request these from a VRA Investment Advisor Representative by calling the Savings Plan Center at 713-207-7373 or 800-932-7444. Financial Engines Advisors L.L.C. acts as a sub-advisor for Voya Retirement Advisors, LLC. Financial Engines Advisors L.L.C. (FEA) is a federally registered investment advisor and wholly owned subsidiary of Financial Engines, Inc. Neither VRA nor FEA provides tax or legal advice. If you need tax advice, consult your accountant or if you need legal advice consult your lawyer. Neither Voya Retirement Advisors nor Financial Engines Advisors can guarantee results and past performance is no guarantee of future results. Financial Engines? is a registered trademark of Financial Engines, Inc. All other marks are the exclusive property of their respective owners.

The Savings Plan is intended to constitute a plan described in section 404(c) of the Employee Retirement Income Security Act of 1974 and 29 CFR 2550.404c-1. As a result, you are solely responsible for the investment of your plan accounts among the investment options made available through the plan, and the plan fiduciaries are not liable for any losses which are the direct and necessary result of your investment instructions.

Total access

You can connect to your Savings Plan whenever you need to.

cnpsavings.

Search Voya Retire to download the mobile app from your preferred app store.

Call the CNP Savings Plan Center at 713-207-7373 or 800-932-7444. Press 1 for benefits information then press 2 for the Savings Plan Center. For TTY, call 877-517-1259. Voya Customer Service Associates are available to assist you Monday ? Friday (excluding stock market holidays), 7 a.m. ? 7 p.m. Central time.

WATCH FOR YOUR NEW PIN Your PIN, which you will need to enroll in the Savings Plan, was recently mailed to you. If you don't have your PIN, call the CNP Savings Plan Center and press 0. Or you can visit the CNP Savings Plan website and click Forgot Password.

About Voya Financial?

Voya Financial (NYSE: VOYA) is a premier retirement, investment and insurance company servicing the financial needs of approximately 13 million individual and institutional customers throughout the United States. Voya Institutional Plan Services, LLC (VIPS), a member of the Voya family of companies, is the Plan's recordkeeper. VIPS provides you with Plan information, saving and investing education, transaction processing and more on your journey to retirement.

The information provided in this brochure does not replace the official plan documents. If there is a conflict between this brochure and the plan documents, the official plan documents always control and govern. The Company reserves the right to amend, suspend or terminate the plan at any time, in whole or in part. Current participation in the plan does not guarantee future eligibility for the plan or any other benefit program. Participation in the plan is not an offer or guarantee of employment.

CP 2/19 3046874.C.P-1 ? 2018. Voya Services Company. All Rights Reserved. CN0420-33711-0519D CPE_ENROL

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