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401(k) Plan Solutions

Retirement Plans For Real PeopleEMPLOYEE EDUCATION PROGRAM

ADPACCESS®

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC.

ADP®: A Global LeaderSelecting the right employee benefits provider for your business is a big responsibility. ADP is a global leader in Human Capital Management (HCM) serving more than 625,000 businesses in more than 100 countries,1 with exceptionally strong AA credit ratings from Moody’s® and Standard & Poor’s®.2 This strong foundation is one reason why more than 55,000 clients and 1.5 million plan participants trust ADP Retirement Services to meet their retirement plan needs.3

1 Source: Automatic Data Processing, Inc., 2015 Annual Report.

2 Source: https://www.moodys.com/credit-ratings/Automatic-Data-Processing-Inc-credit-rating-76275 and http://www.standardandpoors.com/en_US/web/guest/ratings/entity/-/org-details/sectorCode/CORP/entityId/100190.

3 Source: ADP Retirement Services data as of December 31, 2015.

Retirement Plans For Real PeopleToday’s workers know it’s up to them to save for their future financial security – and they look to you for financial benefits that can help them plan well for retirement. But, the process of planning and saving for retirement can be difficult, time-consuming, and overwhelming – and many workers are concerned about their ability to retire.

At ADP Retirement Services, we believe that you shouldn’t have to be financially savvy to save for your future. That’s why our ADP ACCESS® retirement plans are built for real people – people who have busy lives and need help. With our employee education program, we make it easy to get started, make smart financial decisions, and get answers. Our employee education experience combines innovative technology, simplicity, and industry best practices to help your employees plan for their retirement. Plus, we provide the support you need to solve plan challenges and tools that use real plan data to help you measure progress. When your employees benefit, you do, too – our program can also help you meet your fiduciary responsibilities.

A well-built retirement plan can help employees work – and retire – better. Your participants want to have good retirement outcomes – and you want that, too. When you work with us, you benefit from an experienced provider who:

T Makes plan administration easy to manage

T Helps you control plan administration risk to meet your fiduciary needs

T Puts your interests first, through exceptional service and time-tested employee education programs

At ADP, we’re always working for you and looking out for your best interests. We are committed to providing benefits solutions that can help your business grow and succeed.

FOR PLAN SPONSOR USE ONLY – NOT FOR DISTRIBUTION TO THE PUBLIC. 3

Introduction

4 None of the services provided is intended to be or should be construed as investment, legal, financial, or tax advice.

A successful retirement plan starts with getting the right fit – especially when it comes to motivating and engaging employees to get “retirement ready.” We believe it’s an essential part of creating a retirement plan that works better – for your business and your employees. We help employers do this every day by offering:

T The flexibility to build a plan that fits the unique needs of your business and your workforce

T Consultative service and support from plan design to optimization4

T Smart plan design, features, and innovative technology that make planning easy and support better saving behaviors

T A dedicated service team and communications that provide answers, track progress, and teach essential skills

T Analytics that monitor progress and power insights for plan improvements

Our plans help you meet your fiduciary responsibilities and help your employees understand plan benefits, features, and how to use it, all to full potential.

Design The Right Fit

4 ADP ACCESS T Exceptional Service at Every Step

Plan Design

5 The target date of a target date mutual fund is the approximate date when an investor is expected to retire and to begin withdrawing his or her money from the fund. The principal value of a target date fund is not guaranteed at any time, including at the target date.

6 GuidedSavingsSM is a service of GuidedChoice™ Asset Management, Inc. Administrators who wish to offer this participant advisory service may engage GuidedChoiceTM to serve as an investment manager or advisor to plan participants. None of ADP, LLC or its affiliates is an affiliate of GuidedChoiceTM nor do they endorse any investment advisors or their products or services.

Plan Design That Works Better Good retirement outcomes start with good plan design. Implementing smart plan design can help employees start saving early, drive higher savings rates, and make better decisions. ADP ACCESS offers a number of ways you can customize your plan design to fit your employees’ needs and help them make smarter, more confident financial decisions that can lead to better retirement outcomes – and help you meet your fiduciary responsibilities.

Implementing smart plan design can drive real results. These are just a few of the plan design solutions that can influence better planning:

Automatic Enrollment can increase participation by automatically enrolling employees as they become eligible.

Save Smart® increases participant savings rates automatically at designated intervals.

Target Date Funds provide fully diversified investment portfolios, based on your employees’ targeted retirement dates. The manager of the fund automatically adjusts the allocation of the investments in the fund among different classes of assets to become more conservative as employees approach retirement.5

GuidedSavingsSM offers plan participants online personalized investment advice and as much, or as little, assistance as they choose through a user-friendly online tool.6

Our dedicated service team will work with you to make sure your plan is the best fit for your business today and for your employees tomorrow. From plan design to driving retirement readiness, we’re looking out for you with solutions that meet the unique needs of your business.

Retirement Plans For Real PeopleMost of your employees would not describe themselves as financially savvy – and they shouldn’t need to be to save for their future. That’s why ADP ACCESS plans are built for real people. We offer plan design solutions and tools built with real people in mind. Our plans make it easy to get started, make better savings decisions, stay on top of progress, and get answers in a variety of ways.


Get Your Employees Retirement ReadyOur employee education program combines a variety of plan design solutions that help to keep participants engaged and influence better savings behavior through financial education, easy-to-use tools, and meaningful communications. You have a dedicated team of Retirement Counselors7 available to you for consultative service and best-practice ideas regarding promoting your plan to employees.

Our team is available to lead enrollment meetings and ongoing retirement education sessions. They are dedicated to helping you meet your fiduciary responsibility by educating your employees about the benefits of the plan. The education sessions include basic information on financial skills that can help employees plan well for today and into the future, including budgeting, investing basics and pre-retirement planning. From virtual, group, or one-on-one meetings to digital tools to personalized communications, your Retirement Counselor will work to understand the unique needs of your workforce and apply participant strategies that are designed to power better outcomes.8

For plans that require bilingual capabilities, we offer the services of Retirement Counselors and certain communications in Spanish.

7 Registered representatives of ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ. Member FINRA.

8 Intended to provide general information about the benefits of, and to assist participants to enroll in, retirement plans. Retirement Counselors do not provide, nor should their assistance at such meetings be construed as, investment or financial advice for any individual or situation.


Get Answers, Stay Connected

Enrollment At The Touch Of A ButtonToday’s workers know it’s up to them to save for their future financial security – but they often don’t know how to get started. Common questions include: How much do I need to save? How should I invest my money? To help, we developed an enrollment tool that is quick and easy to use, and guides participants with best practices using the features built into your plan.

In just a few easy steps, your employees can complete their enrollment using our simple online enrollment process. Employees can connect using an iPad® at an enrollment meeting run by a Retirement Counselor, on their own mobile device, or work or home computer.9

The tool is designed to guide better planning decisions by enrolling participants at a higher rate than they may choose on their own and using a diversified investment solution like target date funds.

9 Requires a limited-time access code obtainable by plan sponsors from ADP.

10 This participant tool is provided for educational purposes only. Income projections and other information generated by the tool are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results. Participants should not rely on the projections as the primary basis for their investment, financial, or tax-planning decisions. Participants should consult their tax advisor or investment professional. ADP cannot guarantee or assure a participant’s ability to meet any of his/her goals or that any hypothetical results actually will occur. The tool simply uses the participant’s information and the assumptions selected to provide a rough assessment of the likelihood that a participant’s hypothetical results may be achieved.

Retirement Savings Tool10

With this smart calculator, participants can view their estimated monthly retirement income, based on their current account balance, contribution rate, compensation, and default values. Participants can adjust the values to view the impact of making course corrections – for example, by changing the savings rate or retirement age. By using the tool, participants can understand where they stand in reaching their goal, and steps they can take to better their retirement outcome.

Participants can adjust input to explore savings scenarios.

Expand Assumptions Section to explore additional savings scenarios.


Get Answers, Stay ConnectedTo meet the needs of the diverse generations of employees that make up today’s workforce, we have a range of channels for communicating with participants – from meetings to digital tools to communications in print and electronic formats.

Our participant website is the easy, go-to online source for account information. Our interactive technology keeps participants engaged with real information and tools so they can see their progress and make changes before it’s too late.

Accessing the site is easy, with a single sign-on process for plans using ADP’s payroll solutions. Upon login, participants are greeted with a simple account overview with helpful information such as their monthly retirement income projection, based on their current account balance.

Mobile AppOur mobile app lets participants access their 401(k) account – and much more – while they’re on the go. The mobile dashboard is designed to easily navigate across tablet app functionality and users can launch the“Retirement” tile directly from the dashboard. Participants simply download the free app from one of the App Stores:


Drive Better Retirement Outcomes

Measure And Improve Plan SuccessYour employees need retirement benefits that help them succeed at getting retirement ready. At ADP Retirement Services, we understand that measuring plan success is a big part of helping to ensure your plan has the right fit to help your employees prepare for tomorrow.

We report key plan metrics on our Plan Sponsor website – where you can review them anytime – and give you even more details in our Plan Health Report. A regular review of plan statistics is an easy way to get insight into participant preparations, plan effectiveness, and how you are doing as plan fiduciary. It can also help you identify issues that can be solved with plan design adjustments. Your service team will work with you to apply data-driven plan design solutions and communications strategies to improve results and help participants get better outcomes.

Building EngagementWe believe plans that pair effective plan design with tools that engage participants in their progress help participants get retirement ready. Our communications solutions build engagement by combining meaningful communications, innovative technology, data, and ease of use to help educate and encourage better saving. Communications are available in a variety of formats to meet the preferences of your multigenerational workforce.


Digital Tools, Personalized Analytics Engage participants in their progress

T Participant website T Retirement Savings Tool T Targeted email communications T Mobile app T Quarterly Statements T Retirement Paycheck Reports

Support When You Need It T Retirement Counselors T Call Center Representatives T Bilingual support available

Data as of September 30, 2010

ADP Retirement Services 3

Plan Health AssessmentABC Black Boards, Inc. 401(k) Plan

Overall Plan Score:

52ImprovementOpportunity

48

Deferrals12

Participation22

Loans6 Investment

Usage12

Participation: 408122

8121

12 8

6 4

Deferrals: 30

Investment Usage: 20

Loans and Withdrawals: 10

Areas of Evaluation

Your plan’s health assessment is based on four critical factors for determining participant retirement readiness, including: par-ticipation rate, participant deferrals, investment usage and participant withdrawal rate. These areas of evaluation are then weighted to calculate overall plan health and improvement opportunity scores.

The chart below reflects your plan score and opportunity for improvement for each category.

Previous Period: 47

Improvement OpportunityThe chart below shows your plan’s improvement opportunity score with the individual measures of participant retirement readiness.

The Plan Assessment Score is intended to serve as an objective guide as you evaluate your plan, and is not intended to be, nor should it be construed as, investment advice or a recommendation for any particular course of action. See additional information about the Plan Health Assessment for more information.

Your Score Improvement Opportunity in a Category

Good Plan Health Satisfactory Progress Improvement Needed Improvement Opportunity

Key

Simple, Innovative EnrollmentGet participants off to a strong start

T Enrollment tool and materials T Posters, invitations, and guides T Retirement Counselor support T In-person, remote or one-on-one meetings

Workshops And Communications Educate on investment basics and retirement planning

T Workshops T Digital and print communications

ADP Retirement Services 71 Hanover Road, Florham Park, NJ 07932

ADP, LLC and its affi liates do not offer investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, advice or a recommendation for a particular investment option. Questions about how laws, regulations and guidance apply to a specifi c plan should be directed to your plan administrator or legal, tax or fi nancial advisor.

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-0504-0915 Printed in USA © 2007-2015 ADP, LLC. ALL RIGHTS RESERVED.

Get focused on planning for what’s ahead and preparefor the next phase in your life.

Don’t miss this special workshop for those nearing retirement – it can help you prepare

as you turn onto the road to retirement.

Getting to retirementYour retirement is in sight. It’s time to get focused on planning for what’s ahead so you can be prepared for this next phase in your life. The more you plan and save for your future, the more choices you’ll have about how you spend your retirement years.

Getting to Retirement: Planning at 50+At the workshop, you’ll learn how to:

� Create your retirement plan � Review your asset allocation so it’s aligned

with your needs and goals � Save enough to meet your future needs � Track your progress toward your savings goal � Develop your retirement paycheck � Manage your account


ADP, LLC and its affi liates do not offer investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, advice or a recommendation for a particular investment option. Questions about how laws, regulations and guidance apply to a specifi c plan should be directed to your plan administrator or legal, tax or fi nancial advisor.

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-0438-0915 Printed in USA © 2015 ADP, LLC. ALL RIGHTS RESERVED.

How you invest your retirement savings can account for over 90%* of your investment results.

Account rebalancingExperts consider asset allocation to be the most important investing decision you can make in your retirement planning. Do you think you made the right choices? Attend this workshop event to get help.

How to rebalance your account allocationYou’ll learn how to:

� Review your account � Determine the asset allocation that is right for you � Rebalance your account � Track your progress toward your savings goal

*Ibbotson, Financial Analysts Journal. Does Asset Allocation Policy Explain 40 Percent, 90 Percent or 100 Percent of Performance? Feb. 2000.

Your company retirement plan is a benefi t you shouldn’t pass up – attend this event to learn

how you can take full advantage of it!

ADP Retirement Services 71 Hanover Road, Florham Park, NJ 07932Your plan offers you and easy way to get a diversifi ed asset allocation for your account: target retirement date funds. These funds offer a diversifi ed allocation through one investment option. Simply choose the fund with the date closest to your anticipated retirement date. It’s that easy!

Each of these funds is managed to a specifi c retirement year identifi ed in the fund name. Each fund has a mixed asset allocation of stocks and bonds that will be reallocated over time as the fund approaches the target retirement date and will continue to shift asset classes even after the fund retirement date.

Review slide examples to illustrate sample allocations for different fund retirement dates. For example, a target retirement fund with a date of 2020 could be the right choice for someone who is planning on retiring on or near this date. The allocation for these funds also changes over time to become more conservative as you approach your retirement years.

The target date of a target date mutual fund is the approximate date when an investor plans to begin withdrawing their money from the fund. The principal value of a target date fund is not guaranteed at any time, including at the target date.

A prospectus or information sheet for the investment funds offered in your plan are available [direct to location]. Information about the funds is provided in the prospectus, including the fund’s objective, risks, fees and expenses. Please read them carefully before selecting investments for your plan account. As you are leaving the meeting, you should pick up individual fund prospectuses for the investments you are considering. If you fi nd you need a prospectus for a different fund after you leave the meeting, you can obtain one from your Plan Administrator. Once you have enrolled in the plan, prospectuses will be made available to you on an ongoing basis and you will also be able to download prospectuses from your participant Web site. The values of your investment options will vary with market conditions, and upon redemption, may be worth more or less than the original value. A plan of systematic savings does not ensure a profi t or prevent a loss in declining markets. This material is not intended as investment advice. Consult your fi nancial advisor.

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-0871-0915 © 2008-2015 ADP, LLC. ALL RIGHTS RESERVED.

Keep It Balanced!

Just go to www.mykplan.com to elect this feature.You can make changes to your account at any time.

Automatic account rebalancing

SAMPLE TARGET RETIREMENT DATE FUND ALLOCATIONS1

Asset allocation is one of the most important investing decisions you make in your retirement planning because it may account for over 90%2 of investment results over time. Carefully selecting your investment mix and sticking with a long-term plan may greatly infl uence your results.

Your plan offers automatic Account Rebalancing, a feature that can help make it easy to keep your account balanced. It automatically keeps your asset allocation in balance to match your most recent investment contribution elections. It can keep you on your long-term plan for success, and can also help you:

• Stay on track with the investment mix you decided was appropriate for you

• Maintain the asset allocation that refl ects your overall tolerance for investment risk

You can choose quarterly, semi-annual, or annual automatic rebalancing frequency.

1 Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.

The underlying mutual funds in the portfolios of asset allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fl uctuate, so that your investment may be worth more or less than its original cost. The target date of a target date mutual fund is the approximate date when an investor plans to begin withdrawing their money from the fund. The principal value of a target date fund is not guaranteed at any time, including at the target date. The underlying mutual funds in the portfolios of asset allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fl uctuate, so that your investment may be worth more or less than its original cost.

2 Ibbotson, Roger G. and Paul Kaplan, “Does Asset Allocation Policy Explain 40 Percent, 90 Percent or 100 Percent of Performance?” Financial Analysts Journal, Jan./Feb. 2000.

Income Growth. Aggressive Growth

2020fund

2030fund

2040fund

2050fund

Your company retirement plan can help you reach your future fi nancial goals, and it’s easy to get started.

Plan for what’s ahead

Retirement Services

The information contained herein is intended as general information only, and nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation, individual or plan. ADP, LLC and its affi liates (ADP) do not endorse or recommend specifi c investment companies or products, fi nancial advisors or service providers; engage or compensate fi nancial advisors for the provision of advice; offer fi nancial, investment, tax or legal advice or management services; or serve in a fi duciary capacity with respect to retirement plans. Please consult with your own advisors for such advice.

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-0043-0216 Printed in USA © 2006-2016 ADP, LLC. ALL RIGHTS RESERVED.

Retirement Planning MeetingStart moving in the right direction. Attend the meeting to learn how the plan can help you save and stay on track to reach your goals.

DATE:

TIME:

LOCATION:

Retirement Services

These funds offer easy solutions for allocating your plan assets and managing your account.These funds offer easy solutions for allocating Th f d ffff l ti ff lll ti

Target Retirement Date Funds

Retirement Services

How to roll retirement assets from a previous employer plan into your current plan.

How to roll retirement assets from a previous

Rolling Over a 401(k) Plan


ADP, LLC and its affi liates (ADP) do not offer fi nancial, investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, advice or a recommendation for your individual situation. Questions about how laws and regulations apply to your specifi c account and distribution decision should be directed to your plan administrator or legal, tax or fi nancial advisor. ADP is not affi liated with any investment advisors, including American Century Investments, does not provide investment advice regarding distributions or otherwise act as an investment advisor, nor does it recommend or otherwise provide advice with respect to the engagement any investment advisor.

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-3956-0915 Printed in USA © 2015 ADP, LLC. ALL RIGHTS RESERVED.

Notice of plan termination

1 Lets you consolidate your retirement assets into one tax-deferred account, but your available investment options will be limited to the chosen plan. You must contact your new plan’s administrator to determine if a rollover into the new 401(k) plan is possible. A waiting period may apply.

2 Your retirement assets remain in a tax-deferred account in one place, but you may have access to a wider range of investment options. However, among other differences, the timing of and your ability to make withdrawals is more limited.

3 There will be an additional notice provided prior to account being liquidated indicating it will either distributed in cash or rolled over to another institution as designated by the Plan Administrator.

4 Licensed representatives of ADP Broker-Dealer, Inc., an affi liate of ADP, LLC, One ADP Blvd., Roseland, NJ; Member FINRA.

Dear Participant:

Your plan is terminating. All of the accounts and money in the plan must be distributed. According to the plan’s records, you have an account balance in this plan.Your response to this notice is required for you to ensure have control of what happens to your money in this plan.

Consider your optionsSince your plan has terminated, you need to carefully consider the choices for what to do with the savings in your 401(k) account. Each of the options listed below may have a different effect on your retirement savings.

� Roll over your account balance to another Employer’s Retirement Plan (if permitted). Doing so allows you to avoid current taxes and penalties and continue to take advantage of tax-deferred growth opportunities.1

� Cashing out your savings. Cashing out your account may seem like a good idea — at fi rst. However, doing so will subject your savings to federal and possibly state and local income taxes in addition to possible withdrawal penalties. Once you withdraw your retirement savings for use for something other than retirement, it is gone and can be diffi cult to rebuild.

� Rollover your savings to an IRA. Rolling over your account balance to an individual Retirement Account offers you the ability to maintain control of your money and keep it invested on a tax-deferred basis, while avoiding potential current taxes and penalties.2

— There are many fi nancial institutions that offer IRAs and you should take the time to review and compare your alternatives.

— Your company is also providing you with the option to rollover your 401(k) to American Century Investments® to help make this transition as easy as possible for you. For more information about this option please contact American Century Investments at 1-800-982-6002 between 8 a.m. and 5 p.m. EST or visit www.americancentury.com/adp.

Can’t I just leave my money in the plan?No, all account balances in the plan must be distributed. If you do not elect one of the distribution options outlined above, your total account balance could be automatically distributed from the plan without your input.3

How do I decide what to do?We realize you are facing some big decisions about your retirement savings and want you to know we are here to help. Before you make any decisions or you decide not to act and your balance is distributed automatically, we encourage you to speak to an ADP Retirement Counselor by calling the ADP Distribution Desk.

The ADP Distribution Desk can provide you with one-on-one assistance and: � Help you understand your options; � Guide you through the distribution process; � Assist you with any paperwork; and � Facilitate whichever transaction you choose.

Contact an ADP Retirement Counselor4 today to fi nd out more about your savings options and how we can help.

Please call 1-877-401-5725.Sincerely,ADP Retirement Plan Services


Smart For Your Workplace

The retirement plan you choose can have a big impact on your employees’ future. You want to help them plan well for tomorrow, and so do we. That’s why it’s so important to choose a provider with the flexibility and support you need to create a retirement plan that works better at meeting the goals of your business and your employees. A successful plan helps participants save well for the future, feel confident in their decisions, and retire when they are ready – which is why our employee education experience is founded in innovative technology, simplicity, and industry best practices.

At ADP, we deliver human resource solutions – including retirement plans that produce long-term value and are built with our clients’ best interests in mind. We will be with you from plan implementation to optimization to help you create a retirement plan that is smart for your business today, and right for your employees tomorrow.

Let’s create an ADP ACCESS retirement plan that

Works Better for your business and your employees.


Let’s Talk For more information about ADP retirement plans or how we make them easier to manage, please contact us today at (800) 432-401K or visit www.adp.com/401k.

11 None of the services provided is intended to be or should be construed as investment, legal, financial, or tax advice.

Supporting Your Plan Needs Today And TomorrowRetirement benefits aren’t just about planning for the future. They are about attracting and retaining a motivated, productive workforce, day in and day out. ADP’s deep Human Capital Management knowledge means we make it easy for clients like you to create a successful retirement plan for your workplace.

We have the scale to make retirement plan administration easy to manage

T ADP’s retirement plan recordkeeping and payroll services are integrated providing greater administrative ease, so you can save time and money

T Innovative tools and technology that help you stay on top of important plan administrative tasks and plan health metrics

T Consultative support to help make sure your plan fits your company’s needs11

We help you control plan administration risk

T Comprehensive plan automation delivers greater accuracy to help reduce the risk of costly errors

T Access to third party support services to help manage risk associated with investment option selection and monitoring

We put the interests of you and your employees first

T As an independent provider, our investment objectivity means we have no investment bias, with no proprietary fund requirements, and no hidden agendas

T Time-tested employee education programs and a team of licensed Retirement Counselors drive retirement readiness

T Exceptional service and support help to keep your plan on track so you can make the right decisions for your plan

ADP, LLC and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisor to provide advice to plans or participants; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Please consult with your own advisors for such advice.

Investment options are available through either ADP Broker-Dealer, Inc. (Member FINRA), One ADP Blvd., Roseland, NJ (an affiliate of ADP, LLC) (ADP BD) or (in the case of certain collective trusts) ADP, LLC. Only licensed representatives of ADP BD may offer and sell retirement services products and services or speak to retirement plan features and/or investment options available in any ADP retirement product. Investments in mutual funds and commingled funds (also known as collective trusts) involve risk. Some investment products have more risk than others. For complete information about a particular fund or to obtain a fund prospectus (or information statement, in the case of commingled funds), please contact your ADP Retirement Services District Manager, at 800-432-401k, or speak with your financial advisor. You should carefully consider an investment option’s objectives, risks, charges, and expenses before investing. The prospectus (or information statement, as applicable) contains this and other important information about the investment option and investment company.

ADP, the ADP logo, ADP ACCESS, and Save Smart are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-1473-0216 Copyright © 2009-2016 ADP, LLC. ALL RIGHTS RESERVED.

www.adp.com/401k ADP Retirement Services 71 Hanover Road Florham Park, NJ 07932

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