VisionQuest. Retirement Plan Transition Meeting M-P / MFXXXXXXXXXX 1

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1 VisionQuest Retirement Plan Transition Meeting M-P / MFXXXXXXXXXX 1 John Hancock Retirement Plan Services LLC and VisionQuest are not affiliated and neither are responsible for the liabilities of the other.

2 Agenda Introduce your new provider Explain the transition Review important dates Get ready for what s next 2

3 About John Hancock One of the largest providers of 401(k) plans Servicing over 44,000 US Corporate Retirement Plans In the retirement plans business for over 50 years. The nation s sixth largest provider in the $10-$50 million plans Servicing more than 1.6 million participants Source: 2014 Plan Sponsor Magazine 401(k) Recordkeeper Survey, 2013 year end data 3

4 Transition Period What s happening to my account? Where is my money going? 4

5 Moving Your 401(k) Account Investments Most will change New funds will be available to everyone after the transition In order to move the Plan, certain transactions will be on hold for a brief period, called the Blackout Period Help is available 5

6 What s Changing - Plan Investments Existing Fund Name Proposed Fund Name Symbol Federated Capital Preservation Fund (SP) Federated Capital Preservation Fund (SP) Invesco Small Cap Growth Fund A Vanguard Explorer Adm VEXRX Oppenheimer Equity Income Fund A Dodge & Cox Stock DODGX J Hancock Balanced Fund A Dodge & Cox Balanced DODBX Principal LargeCap S&P 500 Index Fund A Vanguard 500 Index Signal VIFSX Victory Established Value Fund A Vanguard Mid-Cap Value Index Admiral VMVAX Oppenheimer International Bond Fund A Loomis Sayles Investment Grade Bond Y LSIIX PIMCO Total Return Fund A Loomis Sayles Investment Grade Bond Y LSIIX American Funds EuroPacific Growth Fund R4 Dodge & Cox International Stock DODFX J Hancock Large Cap Equity Fund A Fidelity OTC Portfolio FOCPX Neuberger Berman Socially Respon. Fund A Fidelity OTC Portfolio FOCPX Oppenheimer Developing Markets Fund A American Funds New World R6 RNWGX Invesco Small Cap Value Fund A DFA US Targeted Value I DFFVX Am. Funds Cap. World Gro. & Inc. Fund R4 DFA Global Equity I DGEIX American Century Heritage Fund A Fidelity Mid-Cap Stock FMCSX 6

7 What s New Additional Asset Classes Morningstar Category Proposed Fund Name Symbol US OE Foreign Large Blend TIAA-CREF International Eq Idx Instl TCIEX US OE Mid-Cap Blend Vanguard Mid Cap Index Signal VMISX US OE Small Blend Vanguard Small Cap Index Signal VSISX 7

8 What s New Target Date Funds Proposed Fund Name Symbol American Funds 2010 Trgt Date Retire R6 American Funds 2015 Trgt Date Retire R6 American Funds 2020 Trgt Date Retire R6 American Funds 2025 Trgt Date Retire R6 American Funds 2030 Trgt Date Retire R6 American Funds 2035 Trgt Date Retire R6 American Funds 2040 Trgt Date Retire R6 American Funds 2045 Trgt Date Retire R6 American Funds 2050 Trgt Date Retire R6 American Funds 2055 Trgt Date Retire R6 RFTTX RFJTX RRCTX RFDTX RFETX RFFTX RFGTX RFHTX RFITX RFKTX 8

9 Plan Highlights Your contributions: Pre-tax or Roth savings up to $17,500 Catch up savings: over 50 Save another $5,500 Paycheck contribution changes Changes allowed per pay period VisionQuest contributions: Company Matching Contributions Discretionary Employer matching and Profit Sharing 6 year graded vesting Eligibility Service: 1 month Eligibility Age: 21 Entry Date: First of each month following the completion of the plan s eligibility requirements Auto enrollment provision at 3% Auto escalation of 1% each July 1 st starting on July 1, 2015 Vesting 100% on your contributions Age 59½ and hardship withdrawals Loans permitted Retirement and distributions 9

10 Ascensus Transaction Deadline 4 pm Eastern time September 23, 2014 To request a withdrawal or distribution Contact ASCENSUS Participant Services at: OR 10

11 Ascensus Change Deadline 4 pm Eastern time September 23, 2014 To transfer or exchange your investments and change how your paycheck contributions will be invested, contact Ascensus Participant Services at OR 11

12 Ascensus Account Access Deadline 4 pm Eastern time September 23, 2014 To view your account online or get your balance 12

13 John Hancock Access Notice Sometime during the week of October 27, 2014 How will you know that the blackout is lifted Posters in your workplace Postcard/ to your home address 13

14 Contact John Hancock

15 Register for the site 15

16 Provide your address 16

17 Click Get Started to begin 17

18 Personalize your retirement goal What do you want to do in retirement? 18

19 Envision your retirement 19

20 Interactive contribution calculator 20

21 Quick recap The VisionQuest 401(k) Plan is moving to John Hancock in October. Most investment funds are changing and will transfer to similar investments at John Hancock. After the transition, you will have new investments available. There will be a brief period when transactions will be unavailable starting on September 23, 2014 and ending the week of October 27,

22 What s next? Watch for Initial Communication Packages at your home the week of August 18th. Watch for a postcard and posters in October telling you that the transition is over and your account is available at jhretirement.com Check out the new online resources Select your beneficiary(ies) online or by phone John Hancock rollover support Call Tim Schannep and Robert Quiroz at CBIZ for questions about your investments or 401khelp@cbiz.com 22

23 Thank you for your time. Questions? 23

24 Important Information A fund s investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. To obtain a prospectus, contact John Hancock Retirement Plan Services LLC at or visit our Web site at Please read the prospectus carefully before investing or sending money. Prospectus may only be available in English. John Hancock Retirement Plan Services LLC and Manulife Asset Management Trust Company (conducting business as "John Hancock Trust Company") offer service programs for retirement plans through which a sponsor or administrator of a plan may invest in mutual funds, ETFs and collective investment trusts on behalf of plan participants. Mutual funds, ETFs and collective investment trusts available through Fidelity Brokerage Services LLC ( Fidelity ) have not been individually selected by John Hancock or Fidelity Investments. Administrative and recordkeeping services are provided by John Hancock Retirement Plan Services LLC. John Hancock Trust Company provides trust and custodial services. Securities products, when offered, are offered through John Hancock Distributors LLC, member FINRA/SIPC. Fidelity Investments is an independent company, unaffiliated with any John Hancock company. Fidelity Investments is a service provider to John Hancock. There is no form of partnership, agency affiliation or similar relationship between your financial advisor and Fidelity Investments, nor is any such relationship created or implied by the information herein. Fidelity Investments has not been involved with the preparation of the content supplied and does not guarantee or assume any responsibility for its content. Fidelity Investments is a registered service mark of FMR LLC. Clearing, custody, or other brokerage services may be provided by National Financial Services LLC or Fidelity Brokerage Services LLC NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT INSURED BY ANY GOVERNMENT AGENCY 2014 All rights reserved MF