broadridge booklet

T A K E T H E F I R S T S T E PT O W A R D S A V I N G F O R R E T I R E M E N T

ABC Company 401(k) Savings Plan

C O M P A N Y

. . . . . . . . . . . . . . . .

U S E T H I S

G U I D E T O P L A N

F O R Y O U R

R E T I R E M E N T. . . . . . . . . . . . . . . .

G E T I N T H E S W I N G O F T H I N G S !T H E P L A N I S I N P L A C E - A L L W E N E E D I S Y O U

The average American has more than eight jobs

throughout his work life. And when your working years

are over, you may spend 30 years in retirement. One of

the best ways to make sure you have the savings you

need is to save in your employer’s retirement plan.

W E L C O M E T O T H E P L A N !

Now that you’re eligible, consider enrolling in the

ABC Company 401(k) Savings Plan to ensure you have

the money you need in the future. Plan today for

tomorrow by taking a few minutes to read this booklet

and enroll today.

S I G N U P T O D A Y !

Enroll online www.yourplanurl.com

OR call 1-800-123-4567

OR use the form inside this booklet

I T ’ S E A S Y

I N T H I S B O O K L E T

I N T R O D U C T I O N

B E N E F I T S O F PA R T I C I PAT I N G

S E L E C T I N G I N V E S T M E N T S

ACC E S S I N G YO U R ACCO U N T

Donec in libero quis orci convallis dignissim. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Etiam non lacus. Fusce non magna a wisi mattis placerat. Ut dignissim lectus ut justo. Ut ut leo. Aenean tristique, ipsum quis pharetra laoreet, justo est at

I T ’ S C O N V E N I E N T

The ABC Company 401(k) Savings Plan lets you contribute up to xx% of your pay through automatic payroll deductions. The IRS caps your contributions at $16,500 for 2010. If you will be age 50 or older by the end of the year and you are already contributing the maximum allowed by the IRS, you can save even more by making additional catch-up contributions of up to $5,500 in 2010.

Y O U R E M P L O Y E R H E L P S Y O U S A V E

For every $1 put into a plan account, the company contributes 50 cents, up to 6% of annual compensation. That’s like getting free money!

T A X B E N E F I T S

Because plan contributions are made before taxes are calculated, more income stays in your pocket. The plan’s tax breaks may help you keep more of your money today and tomorrow.

Source: Social Security Administration, Income of the Aged Chartbook, 2008. April 2010

Y O U C A N ’ T R E L Y O N L Y O N S O C I A L S E C U R I T Y

Financial experts say you’ll need from 70% to 90% of your pre-retirement income to maintain your standard of living in retirement.

Where will it come from? Today, Social Security accounts for just over one-third of the income of the average retired American. The truth is that your retirement savings, as well as other personal income sources, will be the key to your future � nancial security.

Social Security

Personal Sources(retirement savings, pensions, asset income, earnings, other)

36%

64%

3 W A Y S T H E P L A N M A K E S I T E A S Y T O S A V E

YOUR FUTURERETIREMENT

INCOME

1

2

3

S T E P 1

P O R T A B I L I T Y , C H O I C E , A N D T A X A D V A N T A G E S

The plan o� ers an unbeatable combination of

bene� ts, including:

P O R T A B I L I T Y

You are 100% vested in your own contributions and any rollover contributions you make to the plan, as well as any earnings on those contributions. It’s an account you can take with you throughout your career.

If you have an account from a previous employer, you can roll it into your account with the ABC Company 401(k) Savings Plan. Having all your retirement money in one account can make it easier to manage.

S I M P L E I N V E S T M E N T C H O I C E S

The plan o� ers easy one-step diversi� ed investment options—LifeCycle Funds, or you can create your own investment mix from among the plan’s other choices. Your plan also o� ers an automatic account rebalancing service to help keep your assets allocated properly.

T A X S A V I N G S

Saving for retirement will cost you less than you think. Because of the tax breaks your 401(k) o� ers, each dollar you contribute will cost you less than a dollar from your paycheck. Consider the following illustrations for a 30-year-old earning $40,000.

T H E B E N E F I T S O F Y O U R P L A NW H E N Y O U L O O K C L O S E R , T H E D E C I S I O N S B E C O M E E A S I E R

Assumes an annual salary of $40,000 and a marginal Federal tax rate of 25%.

M O R E S A V I N G S , L O W E R T A X E S — T O D A Y

You contribute before-tax dollars to your company retirement plan, which lowers your taxable income. Now let’s see how that adds up.

Contributing $1,200 a year could result in $1,800 in retirement savings and could reduce your current taxable income!+

Not in In thethe plan plan

Annual pay $40,000 $40,000

3% contribution (3%) $0 $1,200

Company match $0 $600

Annual savings amount $0 $1,800 Taxable pay $40,000 $38,800

Taxes due $10,000 $9,700

Annual tax savings $0 $300

2 | www.yourplanurl.com

A L I T T L E M O R E C A N M A K E A B I G D I F F E R E N C E L A T E R

Can’t a� ord to save right now? Even a small amount invested on a regular basis can make a di� erence over time. Investors often � nd ways to lower household expenses to allow for higher savings.

S T A R T S A V I N G E A R L Y

Start saving as much as you can, as early as you can. Try to work up to the percentage that provides the maximum matching dollars from your employer. Consider increasing your contribution just 1% a year, each year.

For example, suppose you contribute $300 per month to your traditional 401(k) and earn an average annual 8 percent rate of return. If you participate for 20 years, the account could be worth $178,184. But if you had started 10 years earlier and contributed at the same rate for 30 years, your account could be worth nearly three times that — $450,388.

Example shown is for a 30-year-old, retiring at age 65, annual compensation of $40,000. Potential account balance includes compa-ny match of 50% on the � rst 100% deferred, up to 6% of annual compensation. The IRS limit for contributions is $16,500 in 2010. Numbers rounded to the nearest whole dollar. Also assumes an 8% rate of return.

If your situation changes, the plan allows you to make adjustments at any time.+

3%Contributions: $42,000

Company Match: $21,000

Potential Account Balance at age 65 $321,385

A L I T T L E M O R E G O E S A L O N G W A Y

With tax-deferred compounding, a company match, and time working for you, here’s what contributing even 2% more could mean at age 65.

5%

7%

Contributions: $70,000



Contributions: $98,000



For more plan speci� cs, see the Plan Highlights in the back of this booklet.

CONTRIBUTIONRATE

ABC Company 401(k) Savings Plan | 3

S T E P 2

C H O O S E Y O U R I N V E S T M E N T SF I N D A F I T T H A T ’ S C O M F O R T A B L E A N D H E L P S Y O U M E E T Y O U R G O A L S

Selecting investments is a personal choice based on

how much risk you are comfortable with and how

many years you will invest your money. Picking the

most suitable investments is easier if you know the

three most common types of investments:

Stock investments are ownership in one or more companies.

Bond investments are loans to government entities or companies that usually pay interest regularly until they mature.

Money market investments are short-term loans to a government or highly rated company.

D I V E R S I F I C A T I O N C A N R E D U C E R I S K O V E R T I M E

You can reduce your investment risk by practicing diversi� cation, which is investing in di� erent types of investments. Diversi� cation cannot guarantee your account will never go down, but it generally works because various types of investments rarely perform exactly the same way at the same time.

A V E R A G E A N N U A L R E T U R N S O V E R T I M E

Historically, stocks have exposed investors to greater risks but provided higher returns

Money Markets

Lower riskLower return

3.8% BondsMedium risk

Medium return

5.9%StocksHigher risk

Higher return

9.6%

POTENTIAL RISK

PO

TEN

TIA

L R

ETU

RN

Source: 1925-2008. Source: Stocks, Bonds, Bills & In� ation 2010 Yearbook, Morningstar, Inc. Data is based on the S&P 500 Composite Index for stocks, Citigroup Long-Term High Grade Corporate Index for bonds, and a U.S. Treasury one-bill portfolio for cash. Past perfor-mance does not guarantee future results.


S E L E C T T H E I N V E S T M E N T S T H A T A R E R I G H T F O R Y O U

How much time, interest, and con� dence do you have in investing? If you answered “not much,” consider the Lifecycle Funds. If you answered “some” or “a lot,” you may want to put together your own portfolio of investments.

Lifecycle FundsIf you want a ready-made, diversi� ed investment that is professionally managed, you can invest in LifeCycle Funds based on the year you plan to retire. It’s that simple!

Create your own investment mixIf you want more hands-on control of your investments, choose among the mutual funds your plan o� ers. Mutual funds make investing easier because investment professionals manage the holdings within each fund, buying and selling those holdings to help investors make money. Each fund may invest in hundreds or thousands of di� erent holdings.

Your investment options are provided on page 15.

What investment strategy is right for you?

Consider how long you will be investing, your other investments, and your comfort level with risk.

?


N O W 40% Money Market

40% Bond

20% Stocks

Very Conservative: Least Risk/Return Potential

L I F E C YC L E I N CO M E F U N D

YEARS TO RETIREMENT

40 Y E A R S

5% Money Market

5% Bond

90% Stocks

Very Aggressive: Highest Risk/Return Potential

2050 L I F E C YC L E F U N D

30 Y E A R S

5% Money Market

15% Bond

80% Stocks

Aggressive: High Risk/Return Potential


20 Y E A R S

15% Money Market

25% Bond

60% Stocks

Moderate: Moderate Risk/Return Potential


10 Y E A R S

25% Money Market

35% Bond

40% Stocks

Conservative: Low Risk/Return Potential


S T E P 3

A C T N O W — E N R O L L T O D A Y !N O M O R E D E C I S I O N S . J U S T T A K E T H E L A S T S T E P A N D S I G N U P .

C A L L T O E N R O L L 1 . 8 0 0 . 1 2 3 . 4 5 6 7

Press “5” to Enroll by Phone. Use the last 4 digits of your Social Security Number as your initial Personal Identi� cation Number (PIN), and then just follow the prompts to complete the enrollment process. You will also need to submit a completed Bene� ciary Designation form to complete your enrollment.

C L I C K T O E N R O L L W W W . Y O U R P L A N U R L . C O M

Visit the enrollment website at www.yourplanurl.com. Click on “Plan Enrollment.” Use your last name and the last 4 digits of your Social Security Number to log in. Then � ll in the required � elds to complete the enrollment process. You will also need to submit a completed Bene� ciary Designation form to complete your enrollment.

M A I L T O E N R O L L

Simply complete the forms on the following pages and return them. If you have any questions, please see your Plan Administrator or call 1.800.123.4567.

You understand how important it is to start saving for

your future. You’ve learned about the bene� ts of saving

in the ABC Company 401(k) Savings Plan. You’ve decided

how much to contribute to the plan and chosen your

investment options. The only thing left to do is enroll.

1.800.123.4567

W W W. YO U R P L A N U R L . CO M


S T E P 4


E N R O L L M E N T F O R MI N S T R U C T I O N S O R OT H E R I N F O H E R E

S T E P O N E :

S T E P T W O :

S T E P T H R E E :

N OT E : B AC K O F F O R M I N T E N T I O N A L LY L E F T B L A N K



B E N E F I C I A R Y F O R MI N S T R U C T I O N S O R OT H E R I N F O H E R E

S T E P O N E :

S T E P T W O :

S T E P T H R E E :


R O L LO V E R F O R MI N S T R U C T I O N S O R OT H E R I N F O H E R E

S T E P O N E :

S T E P T W O :

S T E P T H R E E :


I N V E S T M E N T P E R F O R M A N C EC H O O S E Y O U R I N V E S T M E N T S L I K E A P R O

ABC Investnow Income Lifecycle Fund

Fund description: Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Cras consectetuer tempus diam. Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos.

Inception date: 1/1/1997 Ticker: ABCILF Expense ratio: 0.94 Benchmark: Russell 2000 Value

Annualized performance as of 10/31/2010 Since inception: 11.3710 Yr: 11.375 Yr: 16.173 Yr: 18.741 Yr: 18.13

ABC Investnow 2020 Lifecycle Fund

Fund description: Cras consectetuer tempus diam. Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, consectetuer adipiscing elit.

Inception date: 1/1/1997 Ticker: ABC20L Expense ratio: 0.94 Benchmark: Russell 2000 Value



Fund description: Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, con-sectetuer adipiscing elit. Cras consectetuer tempus diam. Cras bibendum iaculis orci.








Fund description: Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, con-sectetuer adipiscing elit. Cras consectetuer tempus diam.



Y O U R I N V E S T M E N T O P T I O N S

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5 Lifestyle investments

2 Money market investments

2 Bond investments

10 Stock investments



ABC Investnow Money Market Fund


Inception date: 1/1/1997 Ticker: ABCMMF Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Cash Management Fund


Inception date: 1/1/1997 Ticker: ABCCM Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Bond Fund A


Inception date: 1/1/1997 Ticker: ABCBF Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Capital Bond Fund


Inception date: 1/1/1997 Ticker: ABCCB Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Aggressive Growth Fund


Inception date: 1/1/1997 Ticker: ABCAG Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Balanced Fund A


Inception date: 1/1/1997 Ticker: ABCBA Expense ratio: 0.94 Benchmark: Russell 2000 Value



ABC Investnow Global Investment Fund


Inception date: 1/1/1997 Ticker: ABCGI Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Large Cap Growth Fund


Inception date: 1/1/1997 Ticker: ABCLC Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Mid Cap Ventures Fund

Fund description: Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dig-nissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos. Lorem ipsum dolor sit amet, consectetuer adipiscing elit.

Inception date: 1/1/1997 Ticker: ABCMC Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Small Cap Fund


Inception date: 1/1/1997 Ticker: ABCSC Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Technology Fund


Inception date: 1/1/1997 Ticker: ABCTK Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Balanced Index Fund


Inception date: 1/1/1997 Ticker: ABCBI Expense ratio: 0.94 Benchmark: Russell 2000 Value




ABC Investnow International Fund


Inception date: 1/1/1997 Ticker: ABCIL Expense ratio: 0.94 Benchmark: Russell 2000 Value


ABC Investnow Future Fund


Inception date: 1/1/1997 Ticker: FFADX Expense ratio: 0.94 Benchmark: Russell 2000 Value














ABC Investnow World Fund

Fund description: Cras consectetuer tempus diam. Cras bibendum iaculis orci. Nulla ornare aliquet risus. In non ipsum sed ligula dignissim viverra. In quis libero. Donec sollicitudin ligula vel nunc. Aliquam gravida sollicitudin elit. Nam nec augue ut nulla vulputate lobortis. Cras dignissim, mauris a blandit varius, nunc erat dignissim enim, sit amet dapibus purus metus eu lacus. Aenean lobortis rutrum tellus. Proin viverra metus id ante. Class aptent taciti sociosqu ad litora torquent per conubia nostra, per inceptos hymenaeos.

Inception date: 1/1/1997 Ticker: ABCWF Expense ratio: 0.94 Benchmark: Russell 2000 Value



D I S C L O S U R E SA L L Y O U N E E D T O K N O W

P E R F O R M A N C E

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B E S T A N D W O R S T 3 M O N T H P E R F O R M A N C E

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A B C F U N D C O R A T I N G ©

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A B C F U N D C O R E T U R N


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Aliquam tristique quam at felis. Morbi vehicula risus sit amet metus. Cras suscipit justo non elit.

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Mauris et quam. Aliquam tristique quam at felis. Morbi vehicula risus sit amet metus. Cras suscipit justo non.

A B C F U N D C O R I S K

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A B C F U N D C O S T Y L E B O X


R I S K M E A S U R E M E N T S

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Cras suscipit justo non elit.

D I S C L O S U R E SA L L Y O U N E E D T O K N O W


C O M P O S I T I O N


T O P 5 H O L D I N G S



I N V E S T M E N T S T R A T E G Y




A B C F U N D C O S E C T O R S

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Cras suscipit justo non elit. Maecenas tincidunt arcu. at felis. Morbi vehicula risus sit amet metus.

M A N A G E M E N T C O M P A N Y



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Maecenas tincidunt arcu. Mauris et quam. Aliquam tristique quam at felis. Morbi vehicula risus sit amet metus. Cras suscipit justo non elit.



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Taking control of your � nancial future is a big step toward getting what you want out of life. Here you’ll � nd a summary of the plan details to help you decide the level and type of participation that’s right for you.

E L I G I B I L I T Y

You are eligible to participate in the plan if you are at least 18 years old and have completed 3 month(s) of employment.

See your plan administrator if you have questions about your eligibility.

Y O U R C O N T R I B U T I O N S

You may contribute from 0% to 100% of your eligible pre-taxed compensation, up to the IRS limit of $16,500 in 2009. You can change your pre-tax contribution amount or stop contributing anytime.

R O L L O V E R S

Rolling account balances into one account can simplify managing your retirement assets. Rollovers from other quali� ed plans will be accepted at any time.

Y O U R C O M P A N Y ’ S C O N T R I B U T I O N S

For every $1 you contribute as pre-tax contributions, up to 6% of your eligible compensation, ABC Company will add $0.50 to your account as a matching contribution. ABC Company may also make a discretionary pro� t sharing contribution to your account at the end of each year, based on the company’s pro� ts.

A U T O M A T I C R E B A L A N C I N G

Your investment strategy should change as you get closer to retirement. With automatic rebalancing your account is carefully monitored for speci� c milestones, at which time it is professionally reallocated to match the appropriate investment strategy and meet your savings goal.

Professionally managed LifeCycle investments are automatically rebalanced on a regular basis. If you choose to invest in individual mutual funds, you have the option to add the automatic rebalancing feature by logging in to your account at www.yourplanurl.com or by calling 800-123-4567. Once you’ve added this feature your account will be automatically rebalanced on a quarterly basis.

V E S T I N G

You are 100% vested in your own contributions and any rollover contributions you make to the plan, as well as any earnings on those contributions.

You will be vested in your company’s matching contributions and any earnings on those contributions according to the schedule below.

Years of Service 1yr 2yrs 3yrs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Percent Vested 50% 75% 100%

You will also be vested in your company’s discretionary pro� t sharing contributions and any earnings on those contributions according to the schedule below.

Years of Service 1yr 2yrs 3yrs 4yrs 5yrs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Percent Vested 20% 40% 60% 80% 100%

A year of service is one in which you work at least 2000 hours in a 12-month period.

P L A N H I G H L I G H T ST A K E C O N T R O L O F Y O U R F I N A N C I A L F U T U R E


P L A N H I G H L I G H T ST A K E C O N T R O L O F Y O U R F I N A N C I A L F U T U R E

W I T H D R A W A L S A N D D I S T R I B U T I O N

You may make withdraws from or take distributions from your account at the plan’s normal retirement age of 65, in the event of disability, or in the event of death or termination of employment.

You may be eligible to take a � nancial hardship distribution in some situations. You must have an immediate and heavy � nancial need to cover certain medical expenses, costs related to the purchase of your home, quali� ed educational expenses, or to prevent foreclosure on your home.

You may apply to withdraw from your account if you experience a severe � nancial hardship, such as money necessary to purchase your home or prevent a foreclosure, tuition, and medical expenses.

Distributions from a quali� ed retirement plan are subject to ordinary income tax when withdrawn and may be subject to tax penalties if withdrawn before age 59½. That is why it is important to consult your tax advisor about the tax consequences of withdrawals from your account.

L O A N S

Although your plan is intended primarily for long-term retirement savings, you may borrow against your plan’s vested account balance within certain limitations.

You may borrow up to the lesser of 50% or $50,000 of your vested account balance. The minimum loan amount is $500. There is a non-refundable loan set-up fee of $100. Loans are repaid with interest through payroll deduction.

O U T S I D E I N V E S T M E N T O P T I O N S

The ABC Company 401(k) Savings Plan o� ers a Self-Directed Brokerage Account (SDBO) option that allows you to invest a portion of your savings in a wide range of stocks, bonds, and mutual funds outside your plan’s

investment options through a brokerage account serviced by ABC Corporate Services.

This is a Web-based feature only. You can open an account by logging on to www.ABCSDBO.org and clicking on the “Self-Directed Brokerage” link.

When your account is � rst established, you must make an exchange of at least $2,500 from your standard plan options to SDBO to activate your SDBO account. There is no minimum amount for payroll contributions.

There is an additional fee for the SDBO. For details call 1.800.123.4567.

S E C T I O N 4 0 4 ( C ) C O M P L I A N C E

The ABC Company 401(k) Savings Plan intends to meet the requirements of Section 404(c) of the Employee Retirement Income Security Act (ERISA) and regulations issued by the U.S. Department of Labor under that section (29 CFR Sec 2550.404(c)-1). The � duciaries of the Plan may be relieved of liability for any losses that result from your investment decisions.

Information on each investment option o� ered under the Plan has been made available to you, including investment objectives, risk characteristics, and fees/expenses. You may, upon request, receive the latest information made available to the Plan concerning annual operating expenses of each investment option, including investment management fees, administrative fees, and transaction costs that reduce the rate of return to participants and bene� ciaries; the aggregate amount of annual operating expenses expressed as a percentage

B Y P H O N E : 1 . 8 0 0 . 1 2 3 . 4 5 6 7

The Interactive Voice Response System (IVR) lets you access your account 24 hours a day, 7 days a week, 365 days a year. The IVR is personalized to provide only those features and investment options o� ered by your plan. Press “0” to speak to a Service Representative

Monday-Friday between 8:00 AM and 9:00 PM EST.

When you call the � rst time To start using the IVR, you need to establish a Personal Identi� cation Number (PIN). Simply follow the instructions provided when you call the � rst time

B Y C O M P U T E R :

Visit the plan’s website at www.yourplanurl.com. For � rst-time access, click on “Register.” Use your last name and the last four digits of your Social Security Number to log in. You will be asked to create a new username and password. The next time you visit the site, click on “Login” and enter this username and password.

2 E A S Y W A Y S T O A C C E S S Y O U R

A C C O U N T

1.800.123.4567

W W W. YO U R P L A N U R L . CO M

Once you are participating in the plan, it is easy to access and manage your account anytime

by computer or phone. You will be able to check your current account balance, review or

update your investment elections for future contributions, transfer existing assets among

investments, change your deferral rate, access helpful information and interactive tools

(computer only), and change your Personal Identi� cation Number (PIN).


A C C O U N T A C C E S S

1 . 8 0 0 . 1 2 3 . 4 5 6 7

W W W . Y O U R P L A N U R L . C O M

C A L L O R G O O N L I N E T O D A Y !

These materials were produced by Broadridge Financial Solutions, Inc. All content is fictional, and any resemblances to actual businesses or reports are purely coincidental. Duplication of these documents is unlawful. ©2009 Broadridge Financial Solutions, Inc. 6/2010BR_Auto Enroll_2010, Mohawk #80 Text 50/10 matte, Full Color Digital

Chris Sample123 Sample StreetApt 2Anytown, CA 45678

ABC Company123 Sample StreetSuite 400Anytown, ST 45678

C O M P A N Y

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