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Benefits

Retirement Planning

Enrollment in 401(k) Plan: Our plan has an auto-enroll feature, which means if you do nothing, you will be automatically enrolled
at 3% of your eligible pay, and you will be invested in a target date fund based upon an assumed retirement age. Eligible
employees will be sent an “ automatic enrollment” letter detailing when they will be automatically enrolled.

What does this mean for you? We’ll do the work for you. If you are eligible, we will automatically enroll for you. Of course, you
have the choice of changing your deferral amount and investment options or opting out altogether.

We want to help get you closer to your savings goal. Many financial experts recommend that you save 10-15% of your income
today in order to meet their retirement income goals.

Don’t want to be enrolled? Any employee who does not want to participate in the Plan can “opt out” by contacting Fidelity
Investments. Details will be provided in the letter you receive.

Want to enroll in the plan now? You do not need to wait for automatic enrollment in the Plan. To enroll today, simply:

• Visit www.netBenefits.com/easy
• Contact a Fidelity representative at (800) 294-4015 from 8:30 am to 8:30 pm ET each day the New York Stock Exchange is open

Manage my 401(k) Plan: NetBenefits is the online tool that puts you in the driver’s seat in saving for retirement. You can manage
your account, track your savings progress and keep moving toward your goals right from your desktop. Log in to netbenefits.com
to get started. You can discover a wealth of resources to help you achieve your savings goals.

• Change investment options
• Access to your account 24/7
• Create an online statement
• Go to the NetBenefits Library page to set your financial goals for retirement and create a strategy to get there.
• Attend online workshops

401(k) Plan Roll Over: You may be permitted to roll over assets into this Plan from a previous employer’s retirement Plan or an
IRA. Once you have confirmed that your Employer will accept your rollover contribution, follow these easy steps to complete a
rollover into the Plan:

• Contact your prior Plan provider to request a rollover distribution
• Rollover check issued should be made payable to Fidelity Investments Institutional Operations Company (FIIOC) for the benefit
of (FBO): your name and sent to you.
• Complete the rollover contribution form.
• Return both the rollover contribution form and the check from your prior Plan to either your current Plan Administrator or
directly to Fidelity at the address provided on the form.

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