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YOUR WEAL TH                                                                      Login to your Transamerica
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            800.755.5801  |  gray.trsretire.com


            401(k) Retirement


            Saving for retirement is one of the most important financial goals you’ll ever set. Having a strong
            retirement plan will give you more freedom and control over your lifestyle down the road, ensuring
            a financially secure future for you and your family.


            Gray’s 401(k) Retirement Savings Plan At-A-Glance


                      Enrollment is automatic.


                      You will be automatically enrolled in Gray’s plan after you become eligible or 45 days after your date of
                      hire. Unless you make an alternative election (or affirmatively opt out), 3% of your pay will be deducted
                      from your paycheck each period on a pre-tax basis and contributed to your account automatically.
                      Re-enrollment each year is also automatic. Also, unless you change your contributions, your savings rate
                      will increase by 1% each January 1st (up to 12%) unless you login and opt out.


                      Access your account online.


                      For information about your retirement plan benefits, head to gray.trsretire.com to create or sign into your
                      account. For more detailed login instructions, see page 36.





               NEW: Participants in the Gray Retirement Savings Plan can now choose to open a Schwab Personal Choice
               Retirement Account (PCRA). A PCRA is a self-directed brokerage account that allows you to take charge of
               investing and select the individual investments you want. A PCRA may be for you if:
                   · You have a sophisticated understanding of investment principles and the stock market
                   · You have the ability to research and monitor your investments
                   · You want to invest in a specific company or mutual fund outside your plan’s investment lineup
                   · You are comfortable with the risk associated with making your own investment decisions

                   · You are willing to undertake any additional trading and maintenance costs that may apply

                      More information on PCRAs and how to open an account can be found in the Forms Library on your
                      BenSelect account.





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