investment choices, contact your plan administrator or log on to TA-Retirement.com. Choose a one-step solution Make it automatic with PortfolioXpress ® If your financial picture is relatively straightforward, consider PortfolioXpress ® . This service establishes an investment mix based on the retirement year and risk preference you select. Then it regularly rebalances your account to a more conservative mix over time. It’s a solution for people who are investing for retirement and want automatic diversification. You can subscribe to PortfolioXpress ® at TA-Retirement.com. PortfolioXpress ® is a registered service mark of Transamerica Retirement Solutions, LLC. You are solely responsible for choosing the retirement year and risk preference. PortfolioXpress ® presents a series of asset allocation models based on a designated retirement year. In implementing the service, you agree to each of the asset allocation mixes and automated rebalancing transactions that will take place over time within your account as you approach the selected retirement year. You can change your target retirement year, or turn PortfolioXpress ® off, at any time. Although the PortfolioXpress ® service is offered at no additional cost, you will continue to bear the fees of the underlying funds in which the account is invested. PortfolioXpress ® is designed as investment education. Transamerica or its affiliates do not provide investment advice. Retirement date portfolios are subject to the same risks as the underlying asset classes in which they invest. The higher the portfolio’s allocation to stocks, the greater the risk. The principal value of the portfolio is not guaranteed at any time, including at and after the target date. Online Enrollment Instructions You can enroll online at TA-Retirement.com or via telephone at 800-401-8726. l Enrollment instructions are included in this enrollment workbook, and will also be sent to the mailing address you have on file with your employer. l If you are unable to enroll online or via telephone, your plan administrator can assist you in obtaining a paper enrollment form. That’s all there is to it! Remember—it’s never too early or too late to save for retirement. Transamerica Retirement Solutions is here to help simplify your journey on the road to a retirement you deserve. Automatic Contribution Rate Increase: l Automatic Contribution Rate Increase helps you improve your retirement forecast by automatically increasing the percentage you contribute to the plan once a year. You have the option of setting the annual contribution increase percentage and the maximum contribution rate it can grow to (not to exceed the plan limit) by just accessing your account online. l For additional information on registering for online access, please refer to the Online Enrollment Instruction section. l You should evaluate your ability to continue the auto-increase
Your years of service with a predecessor of the company will not count toward your eligibility.
Loans l Your plan offers a loan feature. Please check with your plan administrator and/or refer to your Summary Plan Description for details. In Service Withdrawals EARLY WITHDRAWALS l You may make a withdrawal upon reaching certain requirements. See your Summary Plan Description for details. HARDSHIP l If you meet the definition of hardship, you may make a withdrawal from the plan. For more information about the strict rules governing hardship withdrawals, refer to your Summary Plan Description. When You Retire Or Leave The Company Subject to plan provisions, upon retirement, termination, disability or death, you—or in some cases your beneficiary—can: l Keep your money in the plan, subject to certain restrictions. l Directly roll over your plan account balance into another eligible retirement plan or IRA. l Receive your plan account balance in cash. l Contact your plan administrator or refer to your Summary Plan Description for additional information on methods to receive your plan account balance. Some of these options can have significant tax consequences. Your tax advisor can help you make the decision that is best for you. Review the fees and expenses you pay, including any charges associated with transferring your account, to see if rolling over into an IRA or consolidating your accounts could help reduce your costs. Employer-sponsored retirement plans may have features that you may find beneficial such as access to institutional funds, fiduciary-selected investments, and other ERISA protections not afforded other investors. In deciding whether to do a transfer from a retirement plan, be sure to consider whether the asset transfer changes any features or benefits that may be important to you. For additional plan information, please contact your plan administrator or refer to your Summary Plan Description. l Refer to “Investment Choices” located in this enrollment workbook for a description of your investment choices. l Some of the investment choices offered by the plan contain trading restrictions. Prior to finalizing your investment choices under the plan, please refer to your “Investment Choices” for more information on these restrictions. l To obtain a complete set of Investment Fact Sheets containing detailed, up-to-date information on each of the Investment Choices The plan offers 19 investment choices.
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