Page 20 - QSC Benefits Guide 7-18 COLORADO

401(K) RETIREMENT SAVINGS

You are eligible to participate in the 401(k) plan through Empower Retirement Services on the first of the month following
one month of employment. This plan allows you to fund for your retirement with pre-tax dollars up to the IRS maximums
stated below.

The QSC matching contribution is 100% of the first $300 that you contribute, and 50% of your contributions from $301
to 6% of your annual compensation. You are immediately vested in your contributions; however, the company matching
contributions are on a vesting schedule. Please go to www.participant.empower-retirement.com for more details. The 401(k)
also allows you to roll over monies from another qualified plan. You can invest in a variety of mutual funds from conservative
to aggressive. Before you invest in the 401(k), figure out what your mix of stocks, bonds, and cash should be. This is also
known as asset allocation. There are two key factors to consider when picking your asset allocation: your risk tolerance and
how many years you have left before retirement.

401(k) IRS Maximums 2018 2019

Employee Deferral $18,500
Indexed for Inflation
Catch-up Deferral for Employees Over Age 50 $6,000

Page 20