Make the most of your Retirement Rewards

Why Save For The Future? A financially secure retirement will most likely require savings throughout your career. Fidelity estimates that you may need as much as 85%* of your preretirement income in retirement to meet your basic needs. By the time you reach age 67, you should at least have 10x your annual income in retirement savings. The average Social Security benefit replaces less than 20% of preretirement income.** * Fidelity Retirement Index, Fidelity Investments, 2008. **Source: Social Security Administration, February 2009 Report entitled Income of the Population 55 or Older, 2006. Data is taken from table 10.5 - Shares of Aggregate Income for Units 65 or older using highest quintile $50,064 per year and higher. 3 3

Key savings concepts 1. Start as early as you can or continue to save in your career as much as possible don t wait another day! 2. Start small and increase your deferral amount over time When you get a salary increase When you are able to reduce other expenses Financial / Debt management (EAP) 3. Your contribution lowers your tax bill by reducing your taxable wages 5 * Remember, employer contributions are subject to your plan provisions. 4. Make the most of SCLH matching contributions (when applicable) leave no dollar behind!* 5

Save more with pretax contributions $100 Based on 4% of your salary ($26,000) bi-weekly to a tax deferred plan $80 $60 $40 $20 $0 $40 Pretax Contributions to your account $28 Decrease in Biweekly takehome pay 6 Source: www.fidelity.com/atwork, planning tools and calculators, take-home pay calculator. Assumptions: $26,000 salary paid as $1,000 biweekly, 4% contribution rate, 25% federal tax bracket, 5% state tax. This is a hypothetical example. Actual results may vary depending on your individual tax situation. The bi-weekly contribution to your account is a tax-deferred contribution, income taxes will be due when you withdraw from the account. 6

Choosing your investments Choosing your investments: hands-on or hands-off? Do you want to make your own investment decisions? Are you comfortable building your own portfolio? Do you have the time to actively manage your investments? Hands-off Hands-on JPMorgan Smart Retirement Funds* Provide an automatic investment mix that becomes continually more conservative as time goes on. Just pick the fund with the year that s closest to the year you plan to retire. Let us guide you Use our investment guidance tool, Portfolio Review **, to identify a target investment mix, receive a model portfolio suggestion, and easily implement your strategy. Do it yourself Access Fidelity s research resources, and utilize our fund selection tools to build your own portfolio. *Lifecycle funds are designed for investors expecting to retire around the year indicated in each fund s name. The investment risk of each lifecycle fund changes over time as its asset allocation changes. Lifecycle funds are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad, and may be subject to risks associated with investing in high-yield, small-cap, and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. **Portfolio Review is an educational tool. Guidance provided by Fidelity is educational in nature, is not individualized, and is not intended to serve as the primary or sole basis for your investment or tax-planning decisions. Neither diversification nor asset allocation ensures a profit or guarantees against loss. 10

NetBenefits mobile apps The NetBenefits mobile apps for smartphone and ipad can help you stay connected with your benefits: The NetBenefits apps bring your Fidelity workplace accounts forward in one, easy-to-access location You ll also have quick access to your plan's toll-free number so you are never too far from live assistance Download the apps today or you can browse netbenefits.com on the mobile Web. Screen shots are for illustrative purposes only. Apple, the Apple logo, ipad, iphone, and ipod touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android and Google Play are trademarks of Google Inc. 11

Where you can find Fidelity Like us at Facebook.com/fidelityinvestments Follow us at Twitter.com/fidelity Read Viewpoints on the markets, get expert insight on an array of personal finance topics, and discover new investing strategies. 12

Steps to take today Make sure your beneficiary designations are current Now is a good time to consider your beneficiary designations, especially if you have not already selected beneficiaries, or if you have experienced a life-changing event. To navigate to your beneficiary designations online: 1. Log on to www.netbenefits.com/sclhs 2. Click the Your Profile link. 3. Select Beneficiaries* and follow the online instructions. Once you have completed your beneficiary designations, you will be able to view them on www.netbenefits.com/sclhs. 13

ENROLL! Do it today. Phone: 1-800-343-0860 Computer: www.netbenefits.com/sclhs Step 1: Set up a password Step 2: Pick a contribution amount Step 3: Pick your investment(s) Step 4: Choose your beneficiary(ies) 14 14

We Are Here To Help On the phone 1-800-343-0860 Questions On-site guidance consultants - www.fidelity.com/atwork/reservations Tools on: www.netbenefits.com/sclhs Beneficiary designation Income simulator Online workshops 15

Keep in mind, investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. This workshop only provides a summary of the main features of the Plan, and the Plan document will govern in the event of any discrepancies. Employer contributions are subject to your plan provisions. 2014 Sisters of Charity of Leavenworth Health System, Inc. All rights reserved. 16