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Daniel Moon

From: Chris Kim
Sent: Thursday, December 29, 2016 10:09 AM
To: ACI.ALL
Cc: steve@chunha.com
Subject: MEMORANDUM # 119 - C (401(k) - Participant Fee Disclosure )
Attachments: G38498 Participant Fee Disclosure.pdf

To: ACI ALL
< 401(k) Participant Fee Disclosure >

We are pleased to announce some exciting improvements to the benefits. After carefully looking at a number of
providers, we have selected OneAmerica® to administer our new retirement plan. Effective January, 2017, we will
begin offering the Angeles Contractor, Inc. Retirement Plan. OneAmerica® will be the service provider and
recordkeeper for our new retirement plan.

Whether or not you are planning retirement in the near future, we encourage you to carefully consider how this may
affect your retirement planning, as well as your overall financial plan. For example, investment options that have
wide price swings could have a large loss. For your long-term retirement security, you should give careful
considerations to the importance of a well-balanced and diversified investment portfolio, taking into account all of
your assets, income and investments.

Attached to this email is important notice and disclosure pertaining to this change. Please read each document
carefully.

• Participant Fee Disclosure – The Participant Fee Disclosure provides information related to the plan’s investment
options including fee and expense information and information to help you make your investment decisions by
noting any transfer restrictions that may apply to an investment option in your plan.
You may register for your account via the web at www.oneamerica.com or via TeleServe ® (Participant Service
Center) at 1-800-249-6269. To register you will need your plan number, which is G38498

If you have any questions concerning the new plan, you should contact:

Chris Kim, Senior Vice President
Angeles Contractor, Inc.
783 Phillips Drive
City of Industry, CA 91748
Tel(626) 923 – 3800, Fax(626) 923 – 3801

Please note:

You will need to select a contribution rate for the plan if you wish to participate.
Payroll deductions for the 401(k) contributions will begin January 22, 2017 and the deduction will be applied
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the 7 7 and 22 of each month.
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If no investment elections are on file with OneAmerica® when your contributions are received, your
contributions will be directed to the plan’s default investment option. It will be your responsibility to transfer
any defaulted contributions to other investment options.

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