Page 14 - Cytokinetics 2022 Benefits Guide

401(k) retirement savings plan

Whether retirement is way down the road or just around the corner, it’s important to have savings goals and specific
investment objectives. To help you meet your goals and objectives, we offer a 401(k) Retirement Savings Plan, administered
by Fidelity Investments, with multiple investment options and a company match. Key details and features of our plan are
listed below.

Employee contributions Employer contributions

Contributions from your pay are made on a pretax basis and/or Cytokinetics offers a discretionary match of 50% of up to 6% of
after-tax basis — up to the IRS annual limit. Employees may contributions with an annual cap of $8,700. The company match
contribute up to 90% of their salary to a maximum of $20,500. is funded at the end of the calendar year and it’s fully vested
An additional catch-up contribution of $6,500 is available to once it’s funded to the employee’s 401(k) account. Cytokinetics
those over age 50. may make discretionary contributions in the future.

Vesting
Employees are 100% vested in their contributions. Cytokinetics may make discretionary contributions in the future.

General Information
Withdrawals from your Plan are generally permitted in the event of termination of employment, retirement, disability, or
death. You may also be eligible for a withdrawal in the case of a severe financial hardship as defined by the Plan. Keep in
mind that withdrawals are subject to income taxes and possibly to early withdrawal penalties.
Participant Loans from the Plan account are available. Generally, you may borrow the lesser of 50% of your vested account
balance or $50,000. The minimum amount you may borrow is $1,000. Loan repayments (plus interest) to your plan account
are automatically deducted from your pay through after-tax payroll deduction. You may have one outstanding loan at one time.

For More Information
• You can enroll in the plan and make changes to your contributions at any time.
• Fidelity Investments has many different investment options for you to choose from, along with tools
and resources you can use to determine which options best meet your investment objectives.
For additional details about the 401(k) Retirement Savings Plan or to enroll or change your
contribution rates or investment elections, visit www.401k.com or call 800-835-5097.

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