We’re ready to help you take charge of your financial future.After the transition of the Kimberly-Clark Corporation 401(k) and Profit Sharing Plan (401(k) & PSP) is complete and the blackout period ends, expected to be Friday, May 12, 2017, you’ll be able to manage your account on Fidelity’s website at netbenefits.com.

On NetBenefits® you’ll be able to view your balances, model and make changes to your contributions, research and choose your investment options, designate your beneficiaries, and so much more. You’ll also find planning tools and educational resources that can help you set and reach your retirement savings goals.

NetBenefits is designed to be your go-to source for retirement planning and maximizing your 401(k) & PSP savings. Inside this guide you’ll find information to help you get started, including how to register and set up your Fidelity username and password after the blackout period ends.

Get ready to discover educational resources, and take steps that can help make your financial life feel more manageable—all on NetBenefits!

Welcome to NetBenefits®.Get answers to your key questions and take your next steps.

Stay tuned-in anytime, any place. Take NetBenefits with you. NetBenefits mobile appsYou can get instant access to balances, investments, and more with our apps. Download them today.

Go to netbenefits.com

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How to register for access to your account on NetBenefits.

Screenshots are for illustrative purposes only.

New User RegistrationVerify your identity:

1 Enter your first and last name.

2 Enter your date of birth.

3 Enter the last 4 digits of your Social Security number.

4 Select the Submit button.

Username and PasswordYour username can be your Social Security number, but to better protect your account, we strongly recommend that you create a unique username. Once you create a username, you cannot revert to your Social Security number.

5 Username standards:

• Use 6 to 15 letters and/or numbers.

• If your username is from 9 to 11 characters in length, it must contain at least 2 letters.

• Do not use one entire piece of personally identifiable information such as your Social Security number, telephone number, or date of birth. Instead, alter or disguise it (e.g., Jane212Smith).

• Do not use 5 or more instances of a single number or letter, or easily recognized sequences (e.g., 12345 or 11111).

• Do not use symbols, punctuation marks, or spaces (e.g., #, @, /, *, -).

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To get started, go to netbenefits.com. If you have not yet registered, click Register Now and use the instructions below to help you set up your account on NetBenefits.

If you have previously registered an account with Fidelity, you do not need to register again. You can use your existing username and password to access your 401(k) & PSP.

Go to netbenefits.com 3Screenshots are for illustrative purposes only.

6 Password standards:

• Use 6 to 20 letters, numbers, and/or special characters.

• Letters are case sensitive.

• Do not use “ # & * < > [ ] ` { }

• Use at least one of the following special characters: % ‘ ( ) + , . - / : ; = ? \ ^ _ | ~ ! @ $

• Do not use easily recognized sequences: (e.g., 12345 or 11111)

A strong password has a mix of case sensitivity, numbers, letters, and special characters, such as KingHenryThe8%^(.

Your password should not be personally identifiable information, such as your Social Security number, telephone number, or date of birth.

7 Select the Submit button.

New User Registration Confirmation8 You have successfully registered.

9 Select the Continue button.

Begin Using NetBenefits10 Log in with your new account username

and password.

• Enroll in the Plan, if you haven’t already.

• Check your account balances.

• Change how much you set aside to save from your paycheck.

• Make changes to your investments.

• Use tools to help you plan for your retirement.

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10Need help setting up your account? Call the K-C Benefits Information Line at 800-551-2333 and choose the 401(k) option.

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Get started and explore your home page.After registering, simply log in to see all the great features and information on your NetBenefits home page. For additional security, you may be requested to enter a one-time security code in addition to your password.

Quick LinksEasily access the following: • Summary—Access to all your

account details.

• Contribution Amount—View and update the amount of money you contribute to your 401(k) & PSP account.

• Investment Performance and Research—Find a full listing of the investment options available in your plan, with annualized and cumulative returns, daily quotes, basic fees, and restrictions.

Your NetBenefits Home Page Welcome home! Your NetBenefits home page makes it easy to see where you are today — and get steps to help you reach your next retirement milestone. Quickly check your account balance(s) and access resources to help you on your financial journey.

Your Account Balance(s)View the total balance for all your workplace and Fidelity accounts.

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Your Next Steps

Profile

Look here for important information you can act on — like meeting a suggested retirement savings milestone. You can model contribution changes or get other targeted messages as you consider your next steps.

Review your contact information and designate your beneficiaries. Review and update your communication preferences to ensure they reflect how you would like to receive various communications from Fidelity.

Retirement Income5

Access resources and important educational information for you.

Make the Most of Your Benefits6

Get help closing any retirement income gap you may have. Take action from within the Planning & Guidance Center.

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When Should You Claim Social Security?See how different strategies could increase your benefits.

Update Your BeneficiaryReview or name your beneficiaries online.

Gain Confidence in Your FinancesVisit the Library to get help with retirement planning, investing, and more.

Buying a HomeGet tips from money guru Jean Chatzky on how to become a happy homeowner.

IRS LimitsTake advantage of the increased limits and save a little more.

Get the NetBenefits Smartphone AppDownload the app today and access your workplace accounts on the go.

5 Tips for Retirement PlanningA couple retiring may spend about $900/month on health care. Learn more.

Choose eDeliverySave trees, reduce clutter, get organized. Sign up today.

Keep Your Account SecureAdd or update your email address and mobile phone number within Your Profile.

KIMBERLY-CLARK CORPORATION

Screenshots and graphics are for illustrative purposes only.

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Discover something new on NetBenefits.

Life Events Important life changes call for timely financial and benefits decisions. Here are key insights, tools, and steps to help guide your way if you’re changing jobs, entering retirement, or experiencing another major event.

Try this: • New Hire Checklist

• Annual Financial Checkup

• Retirement Checklist

Library A collection of financial learning resources — articles, infographics, videos, and more — to suit your interests and skill level.

Try this: • View a video about managing your debt.

• Scroll through an infographic that helps explain how to balance saving and spending habits.

• Read an article to learn more about different strategies for claiming Social Security.

Planning Model and plan for your financial goals within the Planning & Guidance Center.

Try this: • Create a Retirement Goal: Estimate how much

income you may have — or need — in retirement.

• Create an Investment Goal: Get options for how you may want to build your new portfolio.

IMPORTANT: The projections or other information generated by Fidelity’s Planning & Guidance Center Retirement Analysis, regarding the likelihood of various investment outcomes, are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results may vary with each use and over time.

Buying a HomeGet tips from money guru Jean Chatzky on how to become a happy homeowner.

IRS LimitsTake advantage of the increased limits and save a little more.

Get the NetBenefits Smartphone AppDownload the app today and access your workplace accounts on the go.

5 Tips for Retirement PlanningA couple retiring may spend about $900/month on health care. Learn more.

Choose eDeliverySave trees, reduce clutter, get organized. Sign up today.

Keep Your Account SecureAdd or update your email address and mobile phone number within Your Profile.

Screenshots are for illustrative purposes only.

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Important Reminders

Accessing Your 401(k) & PSP Account OnlineAfter the blackout period ends, you’ll be able to access the site directly at netbenefits.com. If you’re an active employee, you can also access NetBenefits through @myHR. After you complete your registration on NetBenefits and log in the first time, you won’t need to enter your username and password when accessing NetBenefits through @myHR during subsequent visits. However, to ensure the security of your information, you’ll be required to enter your username and password before making certain 401(k) & PSP transactions on NetBenefits.

Beneficiary DesignationsIt’s important to designate beneficiaries for your 401(k) & PSP account. Otherwise, in the event of your death, your account balance would be paid automatically to your spouse if you’re married, or to your estate if you’re not married.

If you’ve already designated your beneficiary(ies) for your 401(k) & PSP account, your beneficiary information on record will automatically transfer to Fidelity. After the blackout period ends, log in to NetBenefits and select Profile, then Beneficiaries to review, update, or designate your beneficiaries.

Communication Delivery PreferencesAny communication delivery preferences you currently have on file with YBR will not transfer to Fidelity. After the blackout period ends, when you log in to NetBenefits for the first time, you’ll be prompted to enter your preferred email address. To ensure that you continue to receive important account information, please provide your preferred email address during your first login experience. To change this email address at any time (or to elect U.S. mail), select Profile, then Preferences on NetBenefits.

Outstanding LoansIf you’re paid bi-weekly, your outstanding loan will now be repaid over 26 pay periods per year. After the blackout period ends, log in to NetBenefits to view your loan terms and conditions, including your new payment amount.

Updates to 401(k) & PSP Contribution Rate ChangesCurrently, when you change your contribution percentage, the change requires up to two pay periods to take effect. With the move to Fidelity, changes you make to your contributions will be effective sooner—either in the current pay period or the next pay period, depending on when you make the change. Changes received before the payroll processing deadline for the current pay period will be effective immediately; otherwise, they will be effective in the following pay period.

Dividend ReinvestmentIf you invest in the K-C Stock Fund and elect to receive dividends in cash, any dividend less than $10 will automatically be reinvested unless you have a bank account on file. If you have a bank account on file, all your cash dividends will be deposited to your account via electronic funds transfer.

To set up your bank account:

• Select your 401(k) & PSP account from the home page.

• Select Electronic Payments from the Quick Links drop-down menu on the right side of the page.

• Select Designate Bank Account and follow the online instructions.

NetBenefits: A New Online ExperienceWhen you log in to NetBenefits, you’ll find many new tools and resources that can help you answer key questions about your retirement planning—and help you take your best next step. You’ll be able to read articles, attend workshops, watch videos, and use interactive calculators.

Whether it’s viewing detailed information about your 401(k) & PSP account, modeling contribution changes, or planning for your financial goals, you’ll find everything you need to manage and maximize your 401(k) & PSP account savings on NetBenefits.

Have a question? Call the K-C Benefits Information Line at 800-551-2333, choose the 401(k) option, and a Fidelity representative will be glad to assist you.

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Other Fidelity AccountsIf you have a personal account with Fidelity—such as a brokerage account or an individual retirement account (IRA)—or a 401(k) plan account from a previous employer, you’ll see those accounts when you log in to NetBenefits, in addition to your 401(k) & PSP account.

If You Have QuestionsThe K-C Benefits Information Line will have Fidelity representatives available to assist with 401(k) & PSP account information and transactions beginning Friday, May 12, 2017. You’ll be notified if the blackout period ends sooner. To reach a Fidelity representative, call 800-551-2333, choose the 401(k) option, and follow the prompts. Fidelity representatives are available Monday through Friday 8:30 a.m. to 8:30 p.m. E.T.

• If you are calling from outside the United States, dial the AT&T Direct® access code followed by 800-551-2333.

• TTY Service for the Hearing Impaired will be available at 888-343-0860.

Note: When calling, you’ll need to enter your Fidelity username and password; if you haven’t established them yet, you’ll be prompted to enter your Social Security number and date of birth. Once your information is validated, you’ll be asked to enter a 6- to 12-digit number as your password.

What’s Coming UpHere’s what else you can expect to receive about the transition.

Mid-May• The blackout period is expected to end on Friday, May 12, 2017. Once the blackout period ends, you’ll be able to access

your 401(k) & PSP account by visiting netbenefits.com or by calling the K-C Benefits Information Line at 800-551-2333.

• You’ll receive an account statement from Aon Hewitt showing the balances by fund that were transferred to Fidelity. The transferred balances will match the opening balance in your account as of May 1, 2017.

Late June• Participants who were enrolled in or scheduled to transition into the Professional Management service with Aon Hewitt

Financial Advisors, LLC (AFA), will be enrolled in Fidelity’s managed account service, Fidelity® Portfolio Advisory Service at Work (PAS-W) and will receive additional information describing the key benefits of the service. PAS-W is a discretionary investment management service that lets you delegate the day-to-day management of your 401(k) & PSP account to professional investment managers for a fee.

• More information about the Pension Plan transition will be provided to eligible participants closer to July 1, 2017.

Find out all you can accomplish with NetBenefits.More than just showing how well you’re doing, NetBenefits provides the insight, education, and transactional capabilities to make retirement more manageable. Visit often and be sure to try something new.

Investing involves risk, including risk of loss.In all cases, the provisions of the applicable plans will govern. K-C reserves the right to make changes to its benefits programs at any time.Fidelity® Portfolio Advisory Service at Work is a service of Strategic Advisers, Inc., a registered investment adviser and a Fidelity Investments company. This service provides discretionary money management for a fee.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 © 2017 FMR LLC. All rights reserved.797235.1.0

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