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Benefits

Pet Insurance

Nationwide Pet Insurance (formerly Veterinary Pet Insurance) | Discount Plan
With the Na onwide pet insurance discount plan, you can reduce the cost of your veterinary bills by saving up to 50% on each
veterinary visit for your pet when you visit a contracted veterinarian. This plan offers discounts for office visits, procedures,
medica ons, and more. With Na onwide program, there are no deduc bles, no claim forms, no exclusions due to pre‐exis ng
condi ons or age, no annual dollar limita ons, no wai ng periods, and no limit on the number of visits annually. Two discount
program op ons are available through Na onwide.

For More Information or to Enroll
Call (877) 738‐7874 or go to www.pe nsurance.com/confieseguros.

Retirement Planning

Fidelity Investments | 401(k)

You are encouraged to par cipate in Confie’s 401(k) plan. This plan allows you to fund for your re rement with pre‐tax dollars.
Through automa c payroll deduc on, you may contribute between 1% and 90% of your eligible pay. You may change your deferral
percentage as applicable. Any changes made would take effect on the first day of each month.

401(k) IRS Maximums: For 2018, you may elect up to $18,500. If you are age 50 or older or will reach age 50 during the calendar
year and have reached the IRS maximum, you will be allowed an addi onal catch‐up contribu on of up to $6,000.

If you have not exceeded IRS dollar contribu on limits and/or plan percentage limits, you may be able to make an addi onal
deferral contribu on to the plan. With proper no fica on to the plan administrator, you could make an addi onal deferral
contribu on up to 100% of a bonus paid to you. In addi on, you can automa cally increase your re rement savings plan
contribu ons each year through the Annual Increase Program. You may request investment changes (exchanges) or redirect future
contribu ons among investment op ons at any me.

Roth 401(k) Op on: Unlike your tradi onal, pre‐tax 401(k) deferrals, the Roth 401(k) feature allows you to contribute a er‐tax
dollars, but then withdraw tax‐free dollars from your account when you re re, provided the distribu on is “qualified.” A qualified
distribu on is one that is taken a er the five taxable year period beginning January 1 of the year for which your first designated
Roth contribu on to the plan is made (or to a previous plan, if that amount was subsequently rolled over to the distribu ng plan)
AND you turn age 59, become disabled or die. If you are eligible to make tradi onal pre‐tax 401(k) contribu ons, you can also make
Roth 401(k) contribu ons. Your total contribu ons to the plan (both Roth 401(k) deferrals and tradi onal pre‐tax contribu ons)
cannot exceed IRS limits, or your plan’s limit, if less.

Loans and Withdrawals: Although your plan account is intended for your re rement, you may borrow from your account.
Withdrawals from the plan are generally permi ed in the event of termina on of employment, re rement, disability or death. Your
plan may allow for addi onal types of withdrawals. Please refer to your Summary Plan Descrip on for further details. You may also
be eligible for a withdrawal in the case of a severe financial hardship as defined by your plan.

Accessing the 401(k)
You can access your account virtually 24/7 through NetBenefits. Log in to www.netbenefits.com and you will
have access to your account informa on and re rement planning tools. You also can call the Re rement Benefits
Line at (800) 294‐4015 between 8:30 a.m. and 8:30 p.m. ET for more informa on on your account.

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