401(k) PLAN FOR YOUR FUTURE. The Investment Advantage

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1 Payroll HR Admin & Compliance 401(k) & Employee Benefits Tax Filing & Credits Time & Labor Solutions 401(k) PLAN FOR YOUR FUTURE The Investment Advantage

2 Congratulations! You are eligible to participate in your company s retirement plan. This means that you now have the opportunity to begin contributing to your retirement account and enjoying the tax advantage benefit of a 401(k) plan. To enroll in the plan and begin your contributions, follow the steps below. 1. Refer to the enclosed information on how to enroll and the accompanying 401(k) Plan Enrollment Worksheet. 2. Complete the 401(k) Plan Enrollment Worksheet. Note: If you will be participating in a Profit Sharing or Money Purchase Plan, enter zero (Ø) for your salary deferral percentage. 3. Enroll by accessing your account online through the Paychex Online Retirement Services Web site at or call Paychex Employee Services at , prior to your company s open enrollment effective date. After completing the above steps, you will be enrolled in your company s retirement plan. We wish you the best in saving for your future. More and more, employees realize that they must save money on their own for a sound retirement. Employer-provided retirement plans, such as 401(k) plans, can help meet your financial goals. Social Security Isn t Enough Social security is meant only as a supplement to other retirement income. For most people, retirement income is less than that received before retiring. By the year 2027, the age required for all retirees born on or after 1960 to receive full social security benefits will be 67. The responsibility for obtaining sufficient retirement income is yours. A 401(k) retirement plan provides one of the most popular forms of retirement planning. You ll Need More Than You Think You will need more money for retirement than you think. Every year, things cost a little more due to inflation. For retirees on a fixed income, this means the money they ve put aside has less buying power each year. The following chart shows the decreasing buying power of $1,000 at an inflation rate of 3% (assumes no growth through investing). The Decreasing Value of $ 1,000 NUMBER OF 3% YEARS INFLATION 5 $ $ $ $ $478 The information herein is not intended to provide legal or accounting advice. It is meant to be used with the Retirement Services Administrative Guidebook. The legally binding operation of the plan is controlled by the Adoption Agreement and the Basic Plan Document.

3 Your Tomorrow Starts Today Investing early pays off. The example below shows the difference a ten-year head start can make. At Age 67 $ 718,000 Investing Starts at Age 23 A decade makes a difference. In this example, starting an investment just ten years earlier makes a $448,000 difference. This is the result of a $1,000 per year, taxdeferred investment that assumes a 10% annual growth rate. At Age 67 $ 270,000 Investing Starts at Age 33 A Tax Advantage Today, for a Better Tomorrow Your pretax 401(k) investments and earnings are not taxable until you withdraw the money. Your pretax 401(k) payroll deductions decrease your taxable income. This reduces your federal and state income taxes (only federal in some states). Here s an example of the take-home advantage with pretax 401(k) contributions. The Take-Home Advantage WITHOUT 401(K) WITH PRETAX 401(K) ANNUALIZED $35,000 $35,000 GROSS PAY 401(k) 0-1,750 Taxable Pay 35,000 33,250 It s never too late. You may need to invest more if you are closer to retirement. The important thing is to get started today. Federal -9,450-8,978 Income Tax (27%) FICA (7.65%) -2,678-2,678 Conventional -1,750 0 Savings Account NET $21,122 $21,594 TAKE-HOME PAY ANNUALIZED $472 SAVINGS

4 You Control Your 401(k) Investment You decide how much to invest. You pick which plan investments you want, and you can change your selection at any time. You may qualify to take a loan from your account. Refer to the Frequently Asked Questions section for information on loan conditions. You may be able to consolidate investments in your 401(k) plan if you have money in a previous taxqualified plan. It s Easy Convenient payroll deductions make investing easy and consistent. The Paychex Online Retirement Services Web site and toll-free Paychex Employee Services provide easy ways to check your account, make investment changes, and apply for loans. What You Invest In The contributions to the 401(k) plan are invested in mutual funds by a professional money manager. A mutual fund is a security that gives smaller investors access to a well-diversified portfolio of equities, bonds, and other securities. This diversification is intended to provide a lower risk investment than investing in one individual stock. If you purchased stock in a single company and the stock went down, the value of your investment would decrease proportionately. With mutual funds, a drop in the value of one security (or several securities) may be offset by the rise in the value of other securities. Past performance neither predicts nor guarantees future performance. However, the long-term history of the U.S. stock market has always been positive. Therefore, most investment professionals agree that certain strategies minimize risk and maximize returns for retirement. These strategies include: Starting now. Don t wait to start investing for your future. Just a few years can make a big difference in what you can build for retirement. Investing for the long term (10 years or more). You can do this even if you are close to retirement because it s not mandatory that you start withdrawing income until you are 70½ (or older if you are still working). Diversifying your investments. Keeping your retirement assets for retirement. Do not think of, or use, your 401(k) plan or other retirement investments as a savings account. Educating yourself about investing, establishing financial goals, and sticking to your plan. Investment Advice That Works - GuidedSavings* High-quality, independent investment advice that is both flexible and complete is necessary for long-term financial success. Paychex offers a service that provides retirement plan investment guidance and advice available through a Web-based tool called GuidedSavings, created by an objective third-party vendor, Guided Choice. Paychex has partnered with Guided Choice, a leader in worldclass analytics, to provide investment advice and managed account services to individual retirement plan participants. Using GuidedSavings you can receive: Investment advice that you can trust, tailored to your individual needs and specific plan choices, delivered through a user-friendly interface or by an advisor. Automatic implementation of recommended investment transactions with a simple click of your mouse. Ongoing managed account services, such as fund monitoring and regular asset rebalancing of your portfolio. You can access GuidedSavings either by logging onto the Paychex Online Retirement Services Web site at or by calling the Guided Choice help line at (Monday-Friday, 8 a.m. to 5 p.m. PST) to set up an individualized advisory session. GuidedSavings can give you the confidence that you are on track to meet your financial needs and the peace of mind that you ll stay on course. *Contact your employer to determine if this feature is available in your plan.

5 Roth 401(k)* Roth 401(k) contributions are a type of salary deferral administered like conventional 401(k) deferrals with one major difference: they are made on a post-tax basis. That means you pay taxes now and receive tax-free distributions (similar to a Roth IRA). As a general rule, Roth 401(k) contributions are a good fit if you re in a lower tax bracket today than you expect to be when you retire. This may be especially true for younger workers. Similar to a Roth IRA, Roth 401(k) contributions can be distributed to beneficiaries tax free. As a result, Roth 401(k) contributions can be an exceptional estate-planning tool. If making post-tax retirement plan contributions now for tax-free distributions later sounds appealing, Roth 401(k) contributions may be right for you. *Contact your employer to determine if this feature is available in your plan. How to Enroll Complete the 401(k) Enrollment Worksheet prior to enrolling. Determine what percentage of your gross pay you want to invest in your 401(k) account. Then, decide how you would like your investments divided among the funds offered. If you need assistance with these decisions, you can access GuidedSavings online at or by calling Guided Choice at to set up your individualized advisory session. When you are ready to enroll, you can either select GuidedSavings to enroll for you and automatically manage your ongoing account balance, or you can enroll and manage your account independently. To enroll in the plan through GuidedSavings managed accounts, log onto and select GuidedSavings. Or, you may enroll directly by logging onto and selecting Enroll. You will be required to register and create a personal account password. You can also enroll by calling Paychex Employee Services at , and you will be guided through the necessary steps. Contact your company s plan administrator if you have any enrollment questions or need additional information. Managing Your Account Online or by Phone Once you are enrolled in your company s 401(k) plan, managing your account is easy. Log onto Paychex Online Retirement Services at or using a touch-tone phone, call Paychex Employee Services at to access your account information 24 hours a day. With these automated features, you have access to do the following: Check the total value of your retirement plan. Check balances and shares by fund. Transfer money to different funds. Verify or change the percentage of pay you contribute. Calculate loan payments or loan terms. Request a loan. Obtain price and historical yield information by fund. Request a statement of your account. It is easy to keep track of your retirement account. Paychex Online Retirement Services and Paychex Employee Services give you control over your retirement plan(s). All you need is Internet access or a touch-tone phone and you can make most inquiries and changes in just minutes.

6 Your Contributions and Vesting Q: Are the contributions from my pay always 100% vested? A: Yes. Any money you contribute is always 100% vested meaning it is always yours. This includes any earnings on your contributions. Q: Are employers required to contribute to employee accounts? A: Generally, no. Under certain circumstances, some plans require an employer contribution. Q: If my employer contributes to the plan, when is that amount completely mine? A: It depends on the plan s vesting schedule. Ask your employer for your plan s vesting schedule. Q: When can I make changes to the amount I contribute to the plan? A: This percentage may be changed anytime by using the Web site, or by calling Paychex Employee Services. Each system will tell you on what date the changes will take effect. If you are enrolled in a Guided Choice managed account, you must make changes to your contributions by accessing the GuidedSavings online application, or by calling the Guided Choice help line at (Monday-Friday, 8 a.m. to 5 p.m. PST). Q: When can I make changes to my investment selection allocations? A: You can do this anytime by logging onto the Web site or by calling Paychex Employee Services. Q: I currently have an IRA. May I still contribute to it if I participate in the 401(k) plan? A: Yes. However, participation in a 401(k) plan may affect the amount that may be deducted for the IRA. Consult with your tax advisor for guidance. 401(k) Plan Loans Q: What are the specific rules regarding loans from the 401(k) plan? A: Plan provisions have the following loan rules: You may have only one outstanding loan at a time. Loans may not be taken from Roth 401(k) balances. The minimum amount you may borrow is $1,000. The maximum amount of an outstanding loan cannot exceed the lesser of 95% of the total vested account balance excluding the Roth 401(k) Elective deferral or 95% of one-half the vested account balance, not to exceed $50,000. Q: How do I get a loan from my account? A: When your vested account balance is large enough, you may initiate a minimum $1,000 loan by logging onto the Web site or by calling Paychex Employee Services. You can find out the amount you are eligible to borrow, the current interest rate, and submit your request for the loan online or by phone. You may model the loan as well, which lets you experiment with different loan amounts and repayment periods. Q: What happens after I submit a loan request online or by phone? A: When you request a loan through the Web site or by calling Paychex Employee Services, the loan can be e-authorized without having to complete any paperwork. It takes approximately two weeks to process the loan and receive the requested loan amount by check. Also if a loan is initiated through the Web site or over the phone, you can request to be sent the loan paperwork to complete. You will need to complete and sign the paperwork and return it to Paychex Retirement Services. Once the paperwork has been processed, either a check will be sent by first-class mail to your home or an ACH transfer of funds will be made to your bank account within approximately two weeks. Deductions for repayment of the loan will begin on the date specified in the 401(k) agreement. Q: How long do I have to repay my loan? A: You will be allowed to model and create a loan for a minimum repayment period of one year and a maximum repayment period of four and one-half years (54 months). All loan repayments will be made through payroll deductions on a per-pay-period basis. The repayment period can be extended up to ten years (120 months) for loans used to purchase a primary residence. Q: What fees are associated with loans? A: Paychex will collect a processing fee for each loan that is issued to you. This fee is collected when the loan is initiated and will be deducted from the requested loan amount.

7 Q: Can I repay a current loan by taking a new loan against my account (refinance the loan)? A: This repayment option is not available. In order to take another loan from your account, you must repay the outstanding balance on your current loan with a certified check or money order. Once you have confirmed your loan balance is zero, you may initiate a new loan from your account using the Web site or by calling Paychex Employee Services. Distributions Q: When may I take a distribution from my account balance? A: Generally, you may request a distribution only when one of the following events occurs: You terminate your employment with the company. You reach age 59 1 /2. You become disabled. The plan is terminated. Once the money is distributed from the account, pretax contributions to the plan are subject to income taxes. The qualified distribution rule determines when the earnings on Roth 401(k) contributions will be distributed as tax-free. The portion of the account that consists of your contribution is always tax-free. A distribution is qualified if the following events occur: 1. The distribution occurs after a 5-taxable year ( 5 year ) period of participation (for example, 5 years after the first Roth 401(k) contribution is made), and 2. At least one of the following events has occured: you reach age 59 1 /2, you become disabled, or you are deceased. Q: What happens to my retirement account if I leave the company? A: If you leave the company, you have the following options: The funds may be rolled into your new company s eligible retirement plan or an individual retirement account (IRA). Roth 401(k) contributions can only be rolled into a Roth IRA or another eligible retirement plan that accepts Roth 401(k). The vested account balance may be distributed to you. However, once the account is distributed, the plan administrator is required to withhold federal income taxes equal to 20% of the amount distributed (does not apply to Roth 401(k) contributions). In addition, most distributions made to employees under the age of 59 1 / 2 will incur an additional 10% early withdrawal penalty unless rolled into an IRA or other eligible retirement plan. The taxable earnings portion of a non-qualified Roth 401(k) distribution is subject to the 10% early withdrawal penalty, unless those funds are rolled into a Roth IRA or other eligible retirement plan that accepts Roth rollovers. If your vested account balance (employee and employer contributions) is more than $5,000, you can leave the funds invested in the plan. Your Beneficiary Q: What is a beneficiary? A: A beneficiary is the person or persons to whom the plan will pay your vested 401(k) account balance in the event of your death. This person is identified by you on the Beneficiary Designation Form. If you are single, you may designate anyone you wish as a beneficiary. If you are married, you must name your spouse as your primary beneficiary with a 100% share, unless your spouse waives this right by signing the spousal waiver section of the form. The signature must be notarized. Q: What is a secondary beneficiary? A: The secondary beneficiary is the person or persons you would like to receive your plan benefit in the event that no primary beneficiary is surviving at the time of your death. Q: How do I change the beneficiary I have designated for my 401(k) account? A: You may do so at any time by completing a new Beneficiary Designation Form.

8 Enrolling in your company s retirement plan is easy! Complete the four steps below. Note: This worksheet is for your reference only. Do not fax or mail this form to Paychex. STEP 1: Determine how much you want to contribute. Determine what percentage of your gross pay you want to invest in your 401(k) account (in increments of 1%). This is the percentage of your pay that will be deducted at each payroll. Pretax Contribution Percentage % Roth 401(k) Contribution Percentage % Important Note: The Roth 401(k) option is not available in every plan. Also, loans and hardship withdrawals will not be issued from your Roth 401(k) account balance. Both the pretax and Roth 401(k) deferrals that you elect in this section will be invested using the same fund allocation percentages that you select in Step 2 below. STEP 2: Select your investment options. After reviewing the investment literature, decide how you want your investments divided among the funds offered. You may select any combination in 1% increments totaling 100%. You may change these percentages at any time using the Paychex Online Retirement Services Web site or by calling Paychex Employee Services. STEP 3: Choose your enrollment method. You may enroll in your retirement plan using either of the following options: Paychex Online Retirement Services Web site: Paychex Employee Services: STEP 4: Enroll in your retirement plan. Now you are ready to enroll! Use your completed 401(k) Plan Enrollment Worksheet as a tool to guide you through the enrollment process. Please be sure to enroll prior to your company s open enrollment effective date. More specific details about how to enroll are listed on the following page.

9 How to Enroll Based on your choice of enrollment method, please review the instructions below. Prior to enrolling, complete the 401(k) Plan Enrollment Worksheet on the previous page. Paychex Online Retirement Services Web site To enroll online: 1. Go to 2. If you are a new user, select Yes at the Need to Register? prompt. If you are a current user, log in and skip to step Enter your Social Security Number, home zip code, and address. Select Submit. 4. Enter your mother s maiden name. Select Submit. 5. Create a password. Select Create Password. This will take you back to the main screen. 6. On the left navigation bar under Enrollment, select Enrollment. 7. Enter your contribution amounts. Select Enter. 8. To confirm your Enrollment, select Enter and print your Confirmation Page. 9. A Beneficiary Designation Form may be ed or mailed to your home address by request. 10. Complete the Beneficiary Designation Form and return it to your employer. Paychex Employee Services To enroll by phone: 1. Dial Press 1 for 401(k). 3. Press 1 to answer Yes to the question If you are currently employed with the company sponsoring your plan. 4. Press 1 for English or 2 for Spanish. 5. Enter your Social Security Number. 6. You will be prompted to create a four-digit PIN. If you already have a PIN, enter it now. 7. Select Enroll and enter your contribution amount. 8. Enter your fund selections. 9. Review and submit your completed enrollment. 10. A confirmation letter will be mailed or faxed to you for your records. 11. A Beneficiary Designation Form may be ed or mailed to your home address by request. 12. Complete the Beneficiary Designation Form and return it to your employer.

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11 Paychex Online Retirement Services Paychex Employee Services

12 Paychex Online Retirement Plan Administration Paychex Retirement Plan Administration Information Line / Rev. 10/07

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