Accessing Your 401(k) Plan. Stay connected to your retirement plan account.

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1 Accessing Your 401(k) Plan Stay connected to your retirement plan account.

2 Your retirement plan is one of the most valuable employee benefits your company offers because it can help you build a successful financial future. The plan offers flexible account access options that help you stay connected, manage your account, and make the most of your plan benefit so you can look to the future with confidence. Setting up Your Account over the Telephone: Phone: (mykplan) You have secure access to your account through the automated Voice Response System, and personal assistance through a Customer Service Representative. Voice-Response System Customer Service Representative 24 hours a day, 7 days a week* Get account information Conduct transactions Request investment information and prospectuses Available Monday Friday 9 am 7pm EST Get answers to your questions Review account information Request transactions *Generally available 24 hours a day, 7 days a week except for periods of scheduled maintenance. Customer Service Representatives are employed by ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Boulevard, Roseland, NJ Member FINRA.

3 A Accessing Your 401(k) Account Online: Once your account is established, you will receive a notification by mail which includes information to access your account online. To log into your account, simply go to: A Accessing your online account will allow you to monitor performance; make adjustments to your asset allocations; increase or decrease deferral percentages; and make updates to your personal information.

4 Accessing Your 401(k) Account Online: To change the way your current account balance is invested: 1. Click on Change How Current Balance is Invested (under Investments). 2. If you would like to make a change to one fund, click on Fund-to-Fund Transfer. If you would like to change more than one fund, click on Reallocate Entire Account Balance. 3. Choose the funds you want to invest in, and then click the Next button. 4. The next screen will present you with your new allocations. Click on Submit button to confirm these new allocations. To change the way your future contributions are directed: 1. Click on Change How Future Contributions are Invested (under Investments). 2. After reviewing the Important Information, the screen will show you how your current contributions are allocated. To change the way your future contributions will be allocated, select percentages for each fund you would like to invest in. The percentages should total 100%. Click on Next button to move to the confirmation screen. 3. The next screen will present you with your new allocations. Click on Submit button to confirm these new allocations. To change the percentage you contribute to the plan: 1. Click on Change My Contribution Amount (under Contributions). 2. Choose the amount you would like to contribute. Click on Submit button to confirm the new contribution amount.

5 To Designate Your Beneficiary: 1. Find the Beneficiary Designation Form in the enrollment kit that you have been provided. 2. Choose the appropriate elections that best suit your situation and fill out with your beneficiary information. 3. Sign the bottom of the form. 4. Turn your Beneficiary Designation Form in to ZARA for filing. Rules to Keep in Mind when Determining Your Beneficiary: You are required to submit a Beneficiary Designation Form to ZARA regardless of whether or not you elect to enroll in the 401(k) Plan. As an employee, you are eligible to receive other non elective employer contributions that require Beneficiary Data to be on file. Note also that if you are married and want to declare someone other than your spouse as your sole primary beneficiary, you complete the form according to the additional instructions to have notarized spousal consent prior to submitting the form. Need Help? If you need help with the 401(k) Plan s web site, call (mykplan) and speak with an Employee Service Center Representative. * For your convenience, Representatives are available from 9:00 a.m. to 7:00 p.m. Eastern time, any business day.

6 Using the Voice Response System: The chart on the next page will assist you in navigating through the ZARA USA, Inc. 401(k) Retirement Plan Voice Response System. The system can be reached by calling (mykplan). When entering the system, you will be asked for your Social Security Number and four digit Personal Identification Number (PIN). The system recognizes voice and numbered key prompts. At anytime during the session, you may speak Main Menu to return to the Main Menu of the Voice Response System. To reach a Customer Service Representative, speak Representative or press 0.

7 Visual Display of the ZARA USA, Inc. 401(k) Retirement Plan Voice Response System: Welcome Menu Option 1: Reset Your Online Password, Press 1 Option 2: Remain on the line to continue to the Main Menu Main Menu 1. Balances 2. Loans 3. Contribution Rates 4. PIN Resets 5. Statements 0. Representative Balances Menu 1. By Fund 2. By Total Market Value 3. Fund Allocation Loans Menu Step 1: Provide a Loan Amount Contribution Rates Menu Option 1: Change Pre-Tax Contribution Rate: Say Yes or Enter 1 Otherwise: Say No or Enter 2 Option 2: Change Roth (Post-Tax) Contribution Rate Loan Request Menu Step 2: Provide the Number of Payments Step 3: Provide Authorization to Initiate the Loan Pre-Tax Contribution Rate Change Menu Step 2: Enter New Percentage Rate Step 3: Confirm New Percentage Rate Roth (Post-Tax) Contribution Rate Change Menu Step 2: Enter New Percentage Rate Step 3: Confirm New Percentage Rate PIN Resets Menu Step 1: Provide a new Four Digit PIN PIN Resets Menu Step 2: Confirm New PIN Request Statements Menu Step 1: Provide Year and Quarter Step 2: Confirm Your Selection

8 Stay connected to your account and get there one step at a time GuidedSavings SM is a service mark of GuidedChoice Asset Management, Inc. None of ADP Broker-Dealer, Inc., ADP, LLC or any of their affiliates is affiliated with GuidedChoice, nor do they endorse GuidedChoice services or products. Plans wishing to offer this participant advisory service may engage GuidedChoice to make available investment advisory and management services to plan participants. ADP, LLC and its affiliates do not offer investment, financial, tax or legal advice or management services, or serve in a fiduciary capacity with respect to retirement plans. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Please consult with your own advisors for such advice. This document has been created for Zara USA, Inc. by ADP Retirement Services. Zara USA, Inc. has provided permission to ADP Retirement Services to use their company s logo on these materials. ADP, the ADP Logo and In the Business of Your Success are registered trademarks of ADP, LLC. All other trademarks and service marks are the property of their respective owners Printed in USA 2014 ADP, LLC All Rights Reserved.

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