How do I change my investment options? You may request investment changes (exchanges) or redirect future contributions among investment options available to you through Fidelity at netbenefits.com or by calling the Retirements Benefits Line at 1-800-294-4015 any business day the NYSE is open. How do I manage my account once I am enrolled in the Plan? NetBenefits is the online tool that puts you in the driver’s seat in saving for retirement. You can manage your account, track your savings progress and keep moving toward your goals right from your desktop. Log in to netbenefits.com to get started. You can discover a wealth of resources to help you achieve your savings goals. • Create an online statement • Go to the NetBenefits ® Learn section to set your financial goals for retirement and create a strategy to get there • Attend online workshops
Years of Service for Vesting
Percentage
less than 2
0
2 3
20
100 The money your employer contributes to your account in the form of a match or profit sharing contribution and any earnings become yours after a certain period of time. This is known as vesting. The vesting schedule for employer contributions is detailed in your Plan’s Summary Plan Description. But remember, the money you contribute to the Plan and any earnings on those contributions are always yours. However, the value of your account may fluctuate depending on market conditions. Can I take a loan from my account? Although your plan account is intended for your retirement, you may borrow from your account. Can I make withdrawals from my account? Withdrawals from the Plan are generally permitted in the event of termination of employment, retirement, disability, or death. Your Plan may allow for additional types of withdrawals. Please refer to your Summary Plan Description for further details. You may also be eligible for a withdrawal in the case of a severe financial hardship as defined by your Plan. To learn more about and/or to request a withdrawal, log in to Fidelity NetBenefits at netbenefits.com or call the Retirement Benefits Line at 800-294-4015. Can I move qualified money from another retirement account into my account in Affiliated Consumer Services, Inc. 401(k) Profit Sharing Plan? You may be permitted to roll over eligible contributions into this Plan from a previous employer’s retirement. For other eligible account types, please see your Summary Plan Description. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets. Once you have confirmed that your Employer will accept your rollover contribution, follow these easy steps to complete a rollover into the Plan: • Contact your prior Plan provider to request a rollover distribution • Rollover check issued should be made payable to Fidelity Investments Institutional Operations Company (FIIOC) for the benefit of (FBO): your name and sent to you • Initiate the rollover by logging into netbenefits.com (recommended) or by completing the rollover contribution form found at the end of the Enrollment Guide • Return both the applicable rollover documentation and the check from your prior Plan as per the rollover instructions How do I access my account? You can access your account through NetBenefits. Log in to netbenefits.com and you will have access to your account information and retirement planning tools. You also can call the Retirement Benefits Line at 1-800-294-4015 between 8:30 a.m. and 8:30 p.m. ET on any business day the NYSE is open.
For more information about your plan, go to netbenefits.com
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