Information ahead Guiding you to retirement Transition details What you should do After the transition Where to go for more information About Transamerica Retirement Solutions Your retirement plan accounts are merging into the Eldorado Resorts, Inc. 401(k) Plan. Due to the acquisition of the Circus Circus Reno Casino by Eldorado Resorts, Inc. you will now be eligible to participate in the Eldorado Resorts, Inc. 401(k) Plan, and your existing account balance will be transferred to Transamerica effective January 4, 2016. We re excited to help you plan for the retirement you ve always wanted. Eldorado Resorts, Inc. chose us because we re dedicated to helping you from the day you start saving to the day you call it a career and every day after that. This newsletter explains how the transition to Transamerica will work, and how we can help you get retirement ready. Si necesita ayuda en español, comuníquese con el servicio al cliente, al 1-800-755-5801. Guiding you to retirement Because your employer cares about your financial wellness, they ll subscribe you to Transamerica s comprehensive retirement readiness solution: the Managed Advice service. It isn t always easy to know if you re saving enough, have chosen a good mix of investments and if you ll have enough money when you retire. Managed Advice takes the hard work (and guesswork) of retirement planning out of your hands. Managed Advice is an innovative, comprehensive retirement planning solution that offers specific savings and investing recommendations, and puts your plan into action automatically. Specifically, Managed Advice: Recommends an appropriate savings rate for you based on your personal profile. Invests your account based on your time horizon and risk preference. Rebalances your portfolio quarterly to maintain your mix. Lets you track your progress toward your goals in real time, and provides annual retirement readiness check-ups. Gives you access to advice from qualified retirement counselors. Eldorado Resorts, Inc. 401(k) Plan
An affordable solution The annual fee for the service is 0.25% of your Managed Advice balance, deducted monthly or only about $2.08 per month for every $10,000 in your account. (Any fees charged by the funds in which you invest will still apply.) Automatic sign-up Your account will be subscribed to Managed Advice automatically. When your account is set up through the service, Managed Advice will build a portfolio for you, based on an expected retirement at age 65 and a moderate risk preference (you can change either setting at any time). The service automatically rebalances your account to become more conservative over time so that you have an appropriately diversified investment mix for today and tomorrow. If you feel Managed Advice isn t right for you, you can cancel the service between December 14 and December 30, 2015 (or after the transition is over) at eldorado.trsretire.com or by calling 844-622-2133 (toll-free). Your Managed Advice retirement counselor team With Managed Advice, you ll have a retirement counselor/access to a team of retirement counselors who can help you set sound goals, explain how to reach them and put your plan into action. You can talk with anyone on the Managed Advice retirement counselor team by calling 844-622-2133. Your Managed Advice counselor is an investment advisor representative of Transamerica Retirement Advisors, LLC, registered investment advisor. 2
Transition details When will my plan move to Transamerica? Plan assets and records will transfer from Prudential to Transamerica on January 4, 2016. If you are currently participating in the MGM Resorts 401(k) Plan, your contributions for the payroll period in December will be deposited into the Eldorado Hotel & Casino Master 401(k) Plan at Transamerica. Information about this plan was previously provided. On January 6, 2016, those contributions will be transferred to your new Eldorado Resorts, Inc. 401(k) Plan. How will the transition work? The merger and transition to Transamerica will be as easy as possible for you. You don t need to re-enroll or complete any paperwork. Your balance and loans will transfer automatically, and you ll continue saving for retirement without interruption. Will my funds change? How will they transfer to Transamerica? Your employer is changing your plan s fund lineup. Your assets will transfer to a stable, cash-equivalent investment before you are subscribed to the Managed Advice service, which will adjust your investment mix after the transfer. Can I access my account during the transition? To ensure that assets and records transfer accurately, there will be a blackout period during which you won t be able to access either your account with Prudential or your new one with Transamerica. (This is standard procedure for updates to your retirement plan.) Because you won t be able to make changes to your account or initiate transactions such as investment transfers or withdrawals during the blackout period, you should carefully review the appropriateness, balance, and diversification of your investments at Prudential before the blackout period begins. The blackout will start at 4:00 p.m. ET on December 28, 2015, and is expected to be over the week ending January 29, 2016. Your account at Prudential will be liquidated on December 31, 2015, and transferred to Transamerica on January 4, 2016. While this means that your account will not be invested on the day it transfers to Transamerica, it will be fully invested the remainder of the time, and you will be credited with any investment gains (or debited with any losses) that apply during the blackout period. You will also be unable to access your account under the Eldorado Hotel & Casino Master 401(k) Plan that will contain your payroll contributions from December 2015. Starting on January 5, 2016, you will be unable to change your investments and request loans, withdrawals, distributions, and deferral changes at Transamerica under the Eldorado Hotel & Casino Master 401(k) Plan. eldorado.trsretire.com 3
What you should do Between December 14 and December 30, 2015, sign in at eldorado.trsretire.com or call 800-755-5801 to: 1. Review the Managed Advice service to make sure it s right for you. Unless you choose otherwise, you will be subscribed to Managed Advice automatically. If you d rather set, manage, and monitor your strategy on your own, you can cancel Managed Advice between December 14 and December 30, 2015 or any time after your plan has moved to Transamerica. For more information or to set up an appointment with a retirement counselor, visit the Managed Advice tab at eldorado.trsretire.com or call the dedicated, toll-free, Managed Advice number: 844-622-2133. 2. Set up your account online. When you first sign in, you ll be asked to provide some basic financial information, such as your salary and any retirement savings you have outside the plan. This will give you a better idea of how you re doing today and what adjustments you may need to make for tomorrow. You ll also be prompted to provide your email address, which will enable us to send you regular progress reports and other timely account information. 3. Name your beneficiary (ies). The beneficiary choices you made at Prudential will not transfer, so you should take a few minutes to designate a beneficiary(ies) with Transamerica. Otherwise, if you should die, your plan s rules will dictate where your account assets will go, which may not be what you d intended. (Note that if you re married and name someone other than your spouse as a primary beneficiary, you may need to complete and submit a spousal consent form.) 4. Review your investments. Once you set up your new account online, you can review your investments, including any new investment that may have been added to the plan. What if I receive recurring payments from the plan? Prudential will provide Transamerica with your payment information, and your payments will continue after the transition. If you are scheduled to receive a payment during the blackout period, Transamerica will send it after the blackout ends. (If you need to receive a payment sooner, contact Prudential before 4:00 p.m. ET on December 29, 2015.) 4
After the transition When can I access my account? We expect your blackout period and plan transition to be complete the week ending January 29, 2016. At that time you can start managing your account at eldorado.trsretire.com or by calling 800-755-5801. Will I receive account statements? Yes. You will receive statements from both Transamerica and Prudential to confirm that the transition is complete. Transamerica will send you email alerts when your quarterly statements and other account materials are available. Where to go for more information Prudential No action is required at Prudential, but you can contact them to check your account balance and make changes before the transition. mgmresorts401k.com 800-995-4015 Transamerica Visit us online during the transition to find out how the move works. Once the transition is complete, sign in or call toll-free to manage your account and take advantage of Managed Advice. eldorado.trsretire.com Customer Service: 800-755-5801 Managed Advice: 844-622-2133 Meet with Transamerica To learn more about Transamerica and how we can help you meet your retirement goals, please attend an upcoming meeting. You ll receive a complete schedule soon. eldorado.trsretire.com 5
About Transamerica Retirement Solutions Transamerica Retirement Solutions is a full-service retirement plan provider who has worked with retirement plans for more than 75 years, helping people save and invest wisely through their employer-sponsored plans. Today, more than four million employees in organizations across America save for retirement with us. No matter what kind of investor you are, we can simplify your planning with the expertise and resources you need to reach your goals. Managed Advice provides you with an asset allocation mix of funds available within the plan. The asset allocation mix will be automatically rebalanced to become more conservative over time as you approach a designated retirement year. Additional fees and terms and conditions apply to the Managed Advice service. Retirement date portfolios are subject to the same risks as the underlying assets in which they invest. The higher the portfolio s allocation to stocks, the greater the risk. The principal value of the portfolio is never guaranteed, including at and after the target date. Securities offered through Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. The Managed Advice service is offered through Transamerica Retirement Advisors, LLC (TRA), registered investment advisor. Transamerica Retirement Solutions, TISC, and TRA are affiliated companies, but are not affiliated with Eldorado Resorts, Inc. 6
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5542-PT_NL_MA_QDIALA_ER_CC (11/15) 2015 Transamerica Retirement Solutions, LLC News about your retirement plan s move to Transamerica Retirement Solutions Eldorado Resorts, Inc. 401(k) Plan