Page 17 - Surfline Benefits Guide 2017

Supplemental Benefits

Transamerica | Voluntary Accident

Transamerica Accident insurance will pay you a benefit to help cover your out-of-pocket medical costs in case of an Accident. For covered accidental
injuries, fixed benefits are paid directly to you, regardless of any other coverage. Benefits are paid according to a fixed schedule that includes
benefits for hospitalization, fractures and dislocations, emergency room visits, major diagnostic exams, physical therapy, and more.

Transamerica | Voluntary Critical Illness
Transamerica Critical Illness insurance can help you protect yourself and your family from the unexpected cost of fighting a life-threatening illness.
You’ll receive a lump-sum cash payment upon diagnosis of a covered condition such as a Heart Attack, Stroke, Kidney Failure and Cancer.
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Transamerica | Voluntary Hospital
Transamerica Hospital insurance can help you protect yourself and your family from the unexpected hospitalization. You’ll receive a lump-sum
cash payment for hospital admissions, hospital confinements, and ICU confinements.

Retirement

Fidelity Investments | 401(k)

You are encouraged to participate in Surfline/Wavetrak, Inc.’s 401(k) plan. This plan allows you to fund for your retirement with pre-tax dollars.
You can defer 1% up to 60% of your annual salary to IRS benefit maximums. Your contributions are always 100% vested.

IRS maximum allowable contributions:
• 2017: $18,000
• 2018: Indexed for inflation
• If you are 50 years old or older, you may contribute an extra $6,000

Fidelity Investments | Roth 401(k)
In addition to the traditional 401(k) plan, you also have the opportunity to contribute to a Roth 401(k). Under the Roth 401(k), you can decide
to contribute funds on a post-tax elective deferral basis, in addition to, or instead of, pre-tax elective deferrals under your traditional 401(k)
plan. The traditional 401(k) plan is funded with pre-tax money, which increases the amount invested in the account; however, all withdrawals
are taxed. As for the Roth 401(k), which is an after-tax program, allows you to withdraw from your account tax-free when you retire. A Roth
401(k), unlike a Roth IRA, is also not restricted by income.

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