| Schedule of Asset Held for Investment |
RYAM 401(k) Plan for Fernandina Hourly Employees Schedule H, Line 4i: Schedule of Assets (Held at End of Year) As of December 31, 2025
Plan Number 034 Employer Identification Number 46-4559529 | | | | | | | | | | | | | | | | | | | | | | | | | | | | (a) | | (b) Identity of Issue | | (c) Description | | (d) Cost | | (e) Current Value | | | MassMutual | | MassMutual Stable Value Core | | (1) | | $ | 5,588,308 | | | | BlackRock | | BlackRock LifePath Index 2040 Fund G | | (1) | | 2,502,384 | | | * | | Fidelity | | Fidelity 500 Index | | (1) | | 2,403,930 | | | | BlackRock | | BlackRock LifePath Index 2035 Fund G | | (1) | | 2,296,417 | | | | BlackRock | | BlackRock LifePath Index Retirement Fund G | | (1) | | 2,064,121 | | | | BlackRock | | BlackRock LifePath Index 2030 Fund G | | (1) | | 1,860,448 | | | | BlackRock | | BlackRock LifePath Index 2055 Fund G | | (1) | | 1,369,916 | | | | American Funds | | American Funds Growth Fund of Amer R6 | | (1) | | 1,267,450 | | | | BlackRock | | BlackRock LifePath Index 2050 Fund G | | (1) | | 1,083,757 | | | | BlackRock | | BlackRock LifePath Index 2045 Fund G | | (1) | | 948,167 | | | | BlackRock | | BlackRock LifePath Index 2065 Fund G | | (1) | | 463,307 | | | | BlackRock | | BlackRock LifePath Index 2060 Fund G | | (1) | | 435,286 | | | * | | Fidelity | | Fidelity International Index Fund | | (1) | | 207,294 | | | * | | Fidelity | | Fidelity Mid Cap Index Fund | | (1) | | 168,329 | | | * | | Fidelity | | Fidelity U.S. Bond Index Fund | | (1) | | 158,715 | | | | Great Gray | | Small Cap Growth Fund Class I1 | | (1) | | 130,615 | | | * | | Fidelity | | Fidelity Small Cap Index Fund | | (1) | | 128,217 | | | | Great Gray | | Great Gray Europacific Trust Class I1 | | (1) | | 110,234 | | | | Great Gray | | Lord Abbett Core Bond CIT | | (1) | | 99,393 | | | | Great Gray | | Mid Cap Growth Fund II Class I1 | | (1) | | 91,330 | | | | PIMCO | | PIMCO Income Institutional | | (1) | | 88,524 | | | | Great Gray | | Small Cap Value Fund III Class I1 | | (1) | | 66,328 | | | | Great Gray | | Large Cap Value Fund II Class I1 | | (1) | | 51,181 | | | | Great Gray | | Mid Cap Value Fund Class I1 | | (1) | | 23,882 | | | * | | Fidelity | | Fidelity Government Money Market Fund Class K6 | | (1) | | 12,508 | | | | BlackRock | | BlackRock LifePath Index 2070 Fund G | | (1) | | 4,736 | | | * | | Common Stock | | Rayonier Advanced Materials Inc. Common Stock | | (1) | | 545,884 | | | * | | Participant Loans | | Participant Loans** | | N/A | | 1,036,507 | | | | | | | | | | | | | | | | | | | | | | | | | | | | $ | 25,207,168 | | | | | | | | | | | | * | | Denotes exempt party-in-interest transaction. | | ** | | These loans bear fixed interest rates of 4.25% to 9.50% with maturities through October 24, 2040. | | (1) | | Investments are participant directed, thus cost information is not required. |
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