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Retirement

A consistent savings plan throughout your career is the foundation for security during your retirement years. A 401(k) plan can be a powerful tool in promoting financial security in retirement. Our 401(k) plan is designed to help you reach your investment goals.

How the 401(k) Plan Works

You may contribute up to 90% of your earnings, not to exceed $18,000 (the limit for 2015), or $24,000 if over age 50 as set by the IRS. You may change the amount of your contributions anytime. All changes will become effective as soon as administratively feasible and will remain in effect until modified or terminated by you. You may also discontinue your contributions at any time. Once you stop contributions, you may start again whenever you choose. You also decide how to invest the assets in your account and you may change your investment choices anytime. For more details refer to your 401(k) Enrollment Guide.

Catch-up Contributions

If you are or will be age 50 or older in this calendar year and contribute the maximum allowed to your account, you may also make “catch-up contributions” to your account. The catch-up contribution is intended to help you accelerate your progress toward your retirement goals. The maximum catch-up contribution is $6,000 for 2015. See your plan administrator for more details.

Enrollment

Enrollment is completed online at www.XX.com (Plan Number XX) or you can also call 800-XXX.

Vesting

Your contributions are always 100% vested.

Rollovers

Rollovers from other retirement accounts are allowed. Contact your plan administrator for more information.

Loans

Loans are allowed on the plan. You may borrow up to 50% of your vested account balance. The minimum allowable loan amount is $1,000, and the maximum allowable loan amount is $50,000. Contact your plan administrator for more information.

Investment Options

You may direct your contributions to any of the investments offered within the Sample Company 401(k) plan. Changes to your investments can be made through the Sample Provider website or participant number.