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Your Contributions
You can contribute to your 401(k) Plan account through payroll deductions on a pre-tax and/or traditional after-tax
basis.

Contribution Vesting

Vesting refers to your ownership of money in your Plan account. All contributions to your 401(k) Plan account are fully
vested with the exception of additional 2.5% matching contributions. Your matching contributions are 20% vested
after two years of service and vest another 20% each year thereafter. When you have completed six years of service
your existing matching contributions, as well as future matching contributions deposited into your account, are 100%
yours.

To initiate a rollover into the Plymouth Rock 401(k) Plan
FINANCIAL WELL-BEING Step 2: Log in to your Vanguard account to initiate the rollover deposit. After completing the steps online, you will
Step 1: Contact your former 401(k) plan administrator (i.e. Fidelity) to request a rollover distribution.
The check should include Plan #092016 and be made payable to Vanguard Fiduciary Trust Company, For
the benefit of [your name]

be prompted to print a form.
Step 3: Mail the form and the check to: Vanguard, ATTN: Plan # 092016, P.O. Box 982902 El Paso, TX 79998-2902

Your Investment Choices

You decide how to invest your funds in your 401(k) Plan account by choosing from a broad range of Vanguard mutual
funds. The Vanguard funds available to you include a variety of asset classes with different levels of investment return
and risk.

Importance of Diversification

Diversification means spreading your investments among different asset classes to manage and control risk.

Vanguard makes diversification easy!
Target Date Retirement Funds: These funds offer the simplicity of a balanced portfolio in a single fund. Each fund invests
in several broadly diversified Vanguard funds. As the target date in the fund’s name draws near, its investment mix
becomes more conservative. Through this approach, a single Target Retirement Fund is meant to serve you throughout
your career and retirement. Target Retirement Funds are the default funds in the Plan.
Fund Research: Find fact sheets, prospectuses, and much more information on the funds available in the Plan.

Are you age 55 or older and have investment questions? Ask a CFP professional.
®
If you are age 55 or older, Vanguard Financial Planning Services can directly connect you with a Certified Financial
Planner free of charge. You may speak with a CFP professional today at 800-310-8952.

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