Participant User Manual

Participant User Manual

Participant User Manual

Participant User Manual

© 2006 BenefitStreet. All rights reserved.

NOTICE: All information contained herein is the property of BenefitStreet. No part of this publication (whether in hardcopy or electronic form) may be reproduced or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written consent of BenefitStreet. The software described in this document is furnished under license and may only be used or copied in accordance with the terms of such license.

This manual and the information herein is furnished AS IS, is subject to change without notice, and should not be construed as a commitment by

BenefitStreet. BenefitStreet assumes no responsibility or liability for any errors or inaccuracies, makes no warranty of any kind (express, implied, or statutory) with respect to this publication, and expressly disclaims any and all warranties of merchantability, fitness for particular purposes, and noninfringement of third party rights.

If this manual is distributed with software that includes an end user agreement, this manual, as well as the software described in it, is furnished under license and may be used or copied only in accordance with the terms of such license. Except as permitted by any such license, no part of this manual may be reproduced, stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, recording, or otherwise, without the prior written permission of BenefitStreet. Please note that the content in this manual is protected under copyright law even if it is not distributed with software that includes an end user license agreement.

The content of this manual is furnished for informational use only, is subject to change without notice, and should not be construed as a commitment by BenefitStreet. BenefitStreet assumes no responsibility or liability for any errors or inaccuracies that may appear in the informational content contained in this manual.

BenefitStreet

2420 Camino Ramon,

San Ramon, California 94583

Participant User Manual

Contents

System Requirements _____________________________________________________________________4

Login ___________________________________________________________________________________5

First Time User _________________________________________________________________________5

Forget Your Password or Login ID? _________________________________________________________6

Dashboard ______________________________________________________________________________7

Overview ______________________________________________________________________________7

Message Center ________________________________________________________________________8

Report Center __________________________________________________________________________9

Retirement Calculators ___________________________________________________________________10

401(k) Savings Calculator _______________________________________________________________10

Retirement Income Calculator ____________________________________________________________11

Retirement Planner ____________________________________________________________________12

Retirement Shortfall Calculator ___________________________________________________________13

How Important is Social Security? _________________________________________________________14

Payroll Deductions _____________________________________________________________________15

Sign Up ________________________________________________________________________________16

Enroll in 2 Minutes _____________________________________________________________________16

Select Beneficiaries _____________________________________________________________________17

Report Center ___________________________________________________________________________18

Balance by Source Report _______________________________________________________________18

Balances by Fund ______________________________________________________________________19

Activity Detail Report ___________________________________________________________________20

Statements ___________________________________________________________________________21

Loan Detail Report _____________________________________________________________________22

Fund Transaction Detail Report ___________________________________________________________23

Manage Your Account ____________________________________________________________________24

Portfolio Selection _____________________________________________________________________24

Existing Balances ______________________________________________________________________25

Deferrals _____________________________________________________________________________26

Automatic Rebalancing _________________________________________________________________27

Personal Data _________________________________________________________________________28

Change Beneficiaries ___________________________________________________________________29

Document Center _______________________________________________________________________30

Taking Money Out _______________________________________________________________________31

Participant Loans ______________________________________________________________________31

Termination Distribution ________________________________________________________________32

In Service Withdrawal ___________________________________________________________________33

Hardship Distribution ___________________________________________________________________34

Qualified Domestic Relations Order (QDRO) _________________________________________________35

Change Beneficiaries ___________________________________________________________________36

3

Participant User Manual

System Requirements

System Requirements

Below are the recommended and minimum system requirements.

Note: Adobe Acrobat Reader 6 or higher is required to use and view this manual.

Recommended Browser

Windows

Internet Explorer 6 or higher

Netscape Navigator 7 or higher

FireFox 1.5 or higher

Mac OS

• Safari 1.2 or higher

• Netscape Navigator 7.1 or higher

Display Resolution

1024 x 768 or higher screen resolution using True Color (32 bit)

Additional Applications

• Adobe Acrobat Reader 6 or higher

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4

Participant User Manual

Login

First Time User

Login

1.

2.

3.

In your Internet browser address bar, type in www.BenefitStreet.com

Click the Login link located in the upper right corner of the screen.

Type your Login ID and Password. Click the Log In link.

First Time User

1.

2.

3.

Click the First Time User link

Complete the required fields including your social security number and zip code.

Click the Find Me link.

6.

7.

4.

5.

Type your Login ID (minimum of 6 characters.)

Type your Password (minimum of 6 characters.)

Retype your password to confirm.

Click the Update link.

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5

Participant User Manual

Login

Forget Your Password or Login ID?

Forget Your Password or Login ID?

1.

2.

Click the Forgot Your Password link.

Complete the information.

3.

4.

If you have forgotten your Login ID, check the box “I do not remember my Login ID”.

Click the Find Me link.

5.

6.

7.

Type a new Login ID and Password.

Retype the Password.

Click the Update link.

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6

Participant User Manual

Dashboard

Overview

Dashboard - Overview

The Dashboard page displays an overview of your portfolio.

Rollover to each section to view info.

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7

Participant User Manual

Dashboard

Message Center

Dashboard - Message Center

The Message Center on the Dashboard displays messages received.

To remove a message from the Dashboard Message Center:

1.

2.

3.

Click the Message Center link on the Dashboard.

Check the box next to the message in the Remove column.

Click Remove Messages link.

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8

Participant User Manual

Dashboard

Report Center

Dashboard - Report Center

Access any report from one location.

Available reports

1.

Click on the drop-down arrow to select the report from the report list:

2.

3.

Select the appropriate reporting criteria based on the report you have selected.

Click the View Report link to generate the report in Adobe Acrobat (PDF) format.

Notes: Acrobat 4.0 or higher is required to view reports.

Many reports can be downloaded as a CSV file that you can import into a spreadsheet or other program.

Click the Download File link to access this feature for the selected report.

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9

Participant User Manual

Retirement Calculators

401(k) Savings Calculator

401(k) Savings Calculator

Show Me

A 401(k) can be one of your best tools for creating a secure retirement. It provides you with two important advantages.

First, all contributions and earnings to your 401(k) are tax deferred. You only pay taxes on contributions and earnings when the money is withdrawn. Second, many employers provide matching contributions to your 401(k) account which can range from 0% to 100% of your contributions. The combined result is a retirement savings plan you can not afford to pass up.

1.

2.

3.

4.

5.

Enter your annual salary.

This is your annual salary from your employer before taxes and other benefit deductions. Since your contribution and company match are based on the salary paid to you by your employer, do not include any income you may receive from sources other than your employer.

Enter the percent you would like to contribute.

This is the percentage of your annual salary you contribute to your 401(k) plan each year. Most employers permit employees to contribute up to 15 percent of their salary to a 401(k).

Enter your current age.

6.

7.

Enter the age you wish to retire.

Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your 401(k). So if you retire at age 65, your last contribution happened when you were actually 64.

Enter the annual rate of return you expect on your portfolio.

The annual rate of return for your 401(k) account. This calculator assumes that your return is compounded annually and your deposits are made monthly. The actual rate of return is largely dependent on the type of investments you select. The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately

11.7% per year. During this period, the highest

12-month return was 64%, and the lowest was -39%.

Savings accounts at a bank pay as little as 1% or less.

It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

Enter the amount of your 401k current balance.

The starting balance or current amount you have invested or saved in your 401(k).

Enter the percent your employer matches your contribution.

An employer match is in addition to your annual contributions. It is based on a percentage of your annual contributions. This range can be anywhere from 0% to

100%. For example, let’s assume the employer matches

50% of the employee’s contributions up to 6% of their salary. The employee earns $100,000 per year and contributes 10%. The results would be: $10,000 from the employee $3,000 from the employer (which is 50% of

$6,000 or 6% of the annual salary). Total: $13,000

Please read the definition for “Employer maximum” for a detailed description of maximum employer matching contributions. It is also important to note employer contributions do not affect the maximum amount allowed to be contributed by an employee.

8.

9.

10.

Enter the employer maximum percent matched by your employer.

This is the maximum percent of your salary matched by your employer regardless of the amount you decide to contribute. For example, let’s assume your employer has a 50% match, up to a maximum of 6% of your annual salary. If you have an annual salary of $25,000 and contribute 6%, your annual contribution is $1500. With a 50% match, your employer will add another $750 to your 401(k) account. If you increase your contribution to 10%, your annual contribution is $2500 per year. Your employer match, however, is limited to the first 6% of your salary and remains at $750.

Click the Calculate button.

Click the View Report button to view a summary report.

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10

Participant User Manual

Retirement Calculators

Retirement Income Calculator

Retirement Income Calculator

Show Me

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Your annual savings, expected rate of return and your current age all have an impact on your retirement’s monthly income. View the full report to see a year by year break down of your retirement savings.

1.

2.

3.

Enter your starting balance.

This is the current balance of your 401(k) portfolio.

Type your current age.

Type the age you expect to retire.

This calculator assumes that the year you retire, you do not make any contributions to your retirement savings. So if you retire at age 65, your last contribution happened when you were actually age 64. the return earned before retirement due to more conservative investment choices to help insure a steady flow of income. The actual rate of return is largely dependant on the type of investments you select.

From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

4.

Type your annual contribution.

The amount you will contribute to your retirement savings each year. This calculator assumes that you make your contribution at the beginning of each year.

7.

Type your current tax rate.

Your current marginal tax rate you expect to pay on your taxable investments.

5.

Type the rate of return before retirement.

This is the annual rate of return you expect from your investments before taxes. The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately

11.7% per year. During this period, the highest

12-month return was 64%, and the lowest was -39%.

Savings accounts at a bank pay as little as 1% or less.

It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

8.

Type your expected retirement tax rate.

The marginal tax rate you expect to pay on your investments at retirement.

9.

Check the box if these savings are tax deferred.

Check this box if your retirement savings are being deposited into a tax deferred account. This includes an IRA, 401(k), Variable Annuity or other tax deferred investment.

10.

Check the box if you will increase your annual contribution based on inflation.

Check this box if wish to have your annual contribution increased each year to keep up with inflation.

11.

Click the Calculate button.

12.

Click the View Report button to view a summary report.

6.

Type the rate of return during retirement.

This is the annual rate of return you expect from your investments during retirement. It is often lower than

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11

Participant User Manual

Retirement Calculators

Retirement Planner

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Retirement Planner

Show Me

1.

Current age

Your current age.

2.

3.

Age of retirement

Age you wish to retire. This calculator assumes that the year you retire, you do not make any contributions to your retirement savings. So if you retire at age 65, your last contribution happened when you were actually age 64. This calculator also assumes that you make your entire contribution at the end of each year.

Household income

Your total household income. If you are married, this should include your spouse’s income. reinvestment of dividends, was approximately 11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

7.

Percent of income to contribute

The percentage of your annual income you will save for your retirement goals.

4.

Current retirement savings

Total amount that you currently have saved toward your retirement. Include all sources of retirement savings such as 401(k)s, IRAs and Annuities.

8.

Expected salary increase

Annual percent increase you expect in your household income.

5.

Rate of return before retirement

This is the annual rate of return you expect from your investments before taxes. The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately

11.7% per year. During this period, the highest

12-month return was 64%, and the lowest was -39%.

Savings accounts at a bank pay as little as 1% or less.

It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

9.

Years until retirement

Number of years before retirement.

10.

Years of retirement income

Total number of years you expect to use your retirement income.

11.

Percent of income at retirement

The percent of your working year’s household income you think you will need to have in retirement. This amount is based on your income earned during the last year you will work. You can change this amount to be as low as 50% and as high as 150%.

12.

Are you married?

Check this box if you are married. Married couples have a higher maximum social security benefit than single wage earners.

6.

Rate of return during retirement

This is the annual rate of return you expect from your investments during retirement. It is often lower than the return earned before retirement due to more conservative investment choices to help insure a steady flow of income. The actual rate of return is largely dependant on the type of investments you select.

From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including

13.

14.

Include social security?

Check this box if you wish to include social security benefits in your retirement planning.

Expected rate of inflation

What you expect for the average long-term inflation rate. This has been calculated by the Consumer Price

Index from 1925 to 2002 to be 3.1%.

12

Participant User Manual

Retirement Calculators

Retirement Shortfall Calculator

Retirement Shortfall Calculator

Show Me

One of the biggest risks to a comfortable retirement is running out of money too soon. This calculator helps you determine your projected shortfall or surplus at retirement.

You can also see just how long your current retirement savings will last. If your results project a shortfall, you might need to save more, earn a better rate of return, or possibly delay your retirement.

1.

Current retirement savings

This is your current retirement savings. You should include any savings or investments that are specifically for your retirement. Be careful not to include amounts ear marked for other purposes, such as your children’s education.

7.

Rate of return before retirement

This is the annually compounded rate of return you expect from your investments before taxes. The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

2.

3.

4.

Monthly contributions

The amount you will contribute each month to your retirement savings. This calculator assumes that you make your contribution at the beginning of each month. We also assume that this amount remains constant until you retire.

Years before you retire

The number of years you have to save before your retirement. If you are planning on retiring immediately, you should enter a zero.

Number of years in retirement

The number of years you expect to spend in retirement.

If this retirement savings plan is intended to support you and your spouse, make sure this is long enough years to account for your spouse’s potentially longer lifespan.

5.

Annual retirement expenses

Your after tax retirement expenses. Since this calculator assumes that you will be paying income taxes on interest as it is earned, your expenses should be entered on an after tax basis. Your retirement expenses are increased each year by your expected inflation rate if the “Increase expenses with inflation” box is checked.

8.

Rate of return during retirement

This is the annual rate of return you expect from your investments during retirement. It is often lower than the return earned before retirement due to more conservative investment choices to help insure a steady flow of income. The actual rate of return is largely dependant on the type of investments you select.

From January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

9.

Federal tax rate

Your marginal federal tax rate.

6.

Expected inflation rate

What you expect for the average long-term inflation rate. This has been calculated by the Consumer Price

Index from 1925 to 2002 to be 3.1%.

10.

State tax rate

Your marginal state tax rate.

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13

Participant User Manual

Retirement Calculators

How Important is Social Security?

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How Important is Social Security?

Show Me

How will losing your Social Security benefits affect your retirement? Use this calculator to determine how losing this important retirement asset could affect you. Click the report button to see your retirement savings with and without

Social Security benefits.

9.

Age of retirement

Age you desire to retire.

Total number of years you expect to use your retirement income.

1.

Social Security income

Social Security is based on a sliding scale depending on your income, how long you work and at what age you retire. Social Security benefits automatically increase each year based on the rise in the Consumer Price Index

(CPI) the most common measure of inflation. Including a spouse increases your Social Security benefits up to, but not over, the maximum. This calculator provides only an estimate of your benefits. Your actual benefit may be higher or lower depending on your work history and the complete compensation rules used by Social Security.

2.

3.

4.

Current age

Your current age.

Current retirement savings

Total amount that you currently have saved toward your retirement. Include all sources of retirement savings such as 401(k)s, IRAs and Annuities.

Household income

Your total household income. If you are married, this should include your spouse’s income.

10.

Years of retirement income

Total number of years you expect to use your retirement income.

11.

Percentage income at retirement

The percent of your household income you will need to have in retirement income.

12.

Rate of return before retirement

This is the annual rate of return you expect from your investments before taxes. The actual rate of return is largely dependant on the type of investments you select. From

January 1970 to December 2003, the average compounded rate of return for the S&P 500, including reinvestment of dividends, was approximately 11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

5.

Percent of income to save

The percentage of your annual income you will save for your retirement goals.

6.

Expected inflation rate

Annual percent increase you expect in your household income.

7.

Expected rate of inflation

What you expect for the average long-term inflation rate. This has been calculated by the Consumer Price

Index from 1925 to 2002 to be 3.1%. This is used to calculate increases in your retirement expenses and increases in Social Security.

8.

Are you married?

Check this box if you are married. Married couples have a higher maximum Social Security benefit than single wage earners.

13.

Rate of return during retirement

This is the annual rate of return you expect from your investments during retirement. It is often lower than the return earned before retirement due to more conservative investment choices to help insure a steady flow of income.

The actual rate of return is largely dependant on the type of investments you select. From January 1970 to December

2003, the average compounded rate of return for the S&P

500, including reinvestment of dividends, was approximately

11.7% per year. During this period, the highest 12-month return was 64%, and the lowest was -39%. Savings accounts at a bank pay as little as 1% or less. It is important to remember that future rates of return can’t be predicted with certainty and that investments that pay higher rates of return are subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment.

14

Participant User Manual

Retirement Calculators

Payroll Deductions

Payroll Deductions

Show Me

Use this calculator to help you determine the impact of changing your payroll deductions. You can enter your current payroll information and deductions, and then compare them to your proposed deductions.

1.

Select the Pay Period from the drop down menu.

This is how often you are paid. Your selections are:

Weekly (52 paychecks per year), Every other week (26 paychecks per year), Twice a month (24 paychecks per year), Monthly (12 paychecks per year), and Annually

(one paycheck per year).

2.

Select the Filing status from the drop down menu.

This is your income tax filing status. The choices are

“Single” and “Married”. Choose “Married” if you are married or file as “head of household”. Choose “Single” if you file your taxes as a single person or if you are married but file separately.

6.

calculator limits deferrals to 80% to account for FICA

(Social Security and Medicare) taxes. Please note that your 401(k) or 403(b) plan contributions may be limited to less than 80% of your income. Check with your plan administrator for details. For 2005, the maximum contribution to a 401(k) or 403(b) is $14,000 per year for individuals under 50 and $18,000 for individuals over 50.

Enter the State and Local Taxes

This is the percentage that will be deducted for state and local taxes. We take your gross pay, minus $3,200 per allowance, times this percentage to calculate your estimated state and local taxes. Please note, this calculator can only estimate your state and local withholdings

7.

Type the amount of Post-tax deductions.

Enter any payroll deductions made by your employer that are made with after tax income.

3.

Enter Gross Pay

This is your gross pay, before any deductions, for the pay period. Please enter a dollar amount from $1 to

$1,000,000.

8.

Type the amount of Post-tax reimbursements.

Enter any reimbursements made by your employer that are after tax.

4.

5.

Enter your Number of allowances.

When your Federal income tax withholdings are calculated, you are allowed to claim allowances to reduce the amount of the Federal income tax withholding. In 2005, each allowance you claim is equal to $3,200 of income that you expect to have in deductions when you file your annual tax return. The number of allowances you should claim depends largely on the number of dependents you have and your itemized deductions. This calculator allows from 0 to 99 allowances.

9.

Enter the 401(k)/403(b) plan withholding.

This is the percent of your gross income you put into a taxable deferred retirement account such as a 401(k) or 403(b). While increasing your retirement account savings does lower your take home pay, it also lowers your Federal income tax withholdings. The impact on your paycheck might be less than you think. While your plan may not have a deferral percentage limit, this

Click the Calculate button.

10.

Click the View Report button to view a summary report.

FICA OASDI - FICA Old Age Survivors and Disability

Insurance. FICA OASDI is calculated as your gross earnings times 6.2%. Please note that this calculator does not make any assumptions as to the total FICA

OASDI paid for the current year. For 2005, incomes over $90,000 that have already had the maximum

FICA OASDI amount of $5580 withheld will not have additional FICA OASDI withholdings.

FICA Medicare - FICA Medicare is calculated as the gross earnings times 1.45%. Unlike FICA OASDI there is no annual limit to FICA Medicare deductions.

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15

Participant User Manual

Sign Up

Enroll in 2 Minutes

Enroll in 2 Minutes

1.

Show Me

Participation

Select to participate in the Plan or not and authorize the deduction from your paycheck.

Select and complete one of the options:

Percentage of pre-tax/post-tax earnings or A specific dollar amount of pre-tax/post-tax earnings

2.

Automatic Rebalancing (not available on all plan)

Select to have your plan automatically rebalanced on scheduled dates or not.

3.

Investment Portfolios

Choose one of the investment portfolio options, or choose custom portfolio.

Click on a portfolio type to see a graphical distribution of the portfolio type.

If you select Custom Portfolio, a screen appears to complete your election percentages for each fund once you click on save changes. The percentages must equal 100%.

4.

Click the Save Changes.

Rollover to each section to view info.

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16

Participant User Manual

Sign Up

Select Beneficiaries

Select Beneficiaries

Show Me

1.

Select one or more beneficiaries and complete the information for each beneficiary. You may choose a primary and contingent beneficiaries.

The primary beneficiaries will be entitled to the vested portion of your plan account. The contingent beneficiaries will only be entitled to the assets once all the primary beneficiaries are no longer living.

The beneficiary name is a required field. The benefit percent for primary beneficiaries must sum to equal 100 percent and the benefit percent for contingent beneficiaries must be 100 percent.

2.

Click the Create Beneficiary Designation Form link, print the document, and complete the information on the form. A paper, signed copy is required. Give the form to your plan administrator.

NOTE: IRS regulations require that if you are married the sole beneficiary of your account must be your spouse. Should you wish to designate anyone other than your spouse you must first obtain spousal consent. Your spouse’s consent must be witnessed by a plan representative or notary. Should you list a non-spouse beneficiary without obtaining spousal consent the benefits will be required to be paid to your spouse. It is very important that you update beneficiary information as soon as you experience any changes in your marital status. The spousal consent form is included as page

2 of the Beneficiary Designation Form.

3.

Click the Save Changes link.

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17

Participant User Manual

Report Center

Balance by Source Report

Balance by Source Report

The Balance By Source Report provides summary balances by transaction type and money source. This report can be queried with cash or accrual accounting on a plan year basis. The report is printed in PDF format. (See System Requirements if you do not have Adobe Acrobat Reader.)

1.

2.

3.

Choose the Report and Reporting Period for the report from the drop-down lists.

Select whether you want to report on an Cash or Accrual basis.

Click View Report to generate the report in PDF format.

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For each employee, the following balance information is reported for the period selected:

Plan Summary Sample Report

18

Participant User Manual

Report Center

Balances by Fund

Balances by Fund Report

The Balance By Fund Report provides summary balances by fund. This report includes: investment ticker symbol, investment name, price date, share price, current shares and participant balances as of the previous business day. This report can be queried with a cash or accrual accounting on a month-end or last business day of the current month basis.

1.

2.

3.

Choose the Report and Date of the report from the drop-down lists.

Select whether you want to report on an Cash or Accrual basis.

Click View Report to generate the report in PDF format.

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Participant Detail Report Example

19

Participant User Manual

Report Center

Activity Detail Report

Activity Detail Report

The Activity Detail Report provides plan-level or participant-level daily transaction information. You may also select a specific transaction hyperlink (underlined in blue) from the active page and identify the investments affected by that trade. This report can be queried with a cash or accrual accounting on a monthly or quarterly basis.

To access the report, select Activity Detail Report from the Report drop-down list.

1.

2.

3.

Choose the Reporting Period and Ending date of the report from the drop-down lists.

Select whether you want to report on an Cash or Accrual as the Reporting Basis.

Click View Report to generate the report in PDF format.

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20

Participant User Manual

Report Center

Statements

Statements

The Statements Report provides a comprehensive, participant-level account summary in a Quarterly Report format. This report includes sections for: “Account Summary”, “Portfolio Summary” (fund share and vesting information), “Asset Class

Allocation” (investment diversification), “Activity Summary” (transaction information), and the “Fund Transaction Summary”.

This report can be queried with a cash or accrual accounting on a monthly or quarterly basis.

To access the report, select Statements from the Report drop-down list.

1.

2.

3.

Choose the Reporting Period and Ending date of the report from the drop-down lists.

Select whether you want to report on an Cash or Accrual as the Reporting Basis.

Click View Report to generate the report in PDF format.

| }

The Statement is displayed on the screen:

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Participant User Manual

Report Center

Loan Detail Report

Loan Detail Report

The Loan Detail Report provides a detailed transaction summary for participant loans. This report includes: participant name, ssn, new loan amount, payment amount, principal payment and interest payment as well as monthly balances. The report can be run on a cash or accrual accounting basis for annual, quarterly or monthly periods.

To access the report, select Loan Detail Report from the Report drop-down list.

1.

2.

3.

Choose the Reporting Period and Ending date of the report from the drop-down lists.

Select whether you want to report on an Cash or Accrual as the Reporting Basis.

Click View Report to generate the report in PDF format.

| }

22

Participant User Manual

Report Center

Fund Transaction Detail Report

Fund Transaction Detail Report

The Fund Transaction Detail Report provides transaction details on a daily, fund-by-fund basis. This report includes: ticker symbol, transaction description, transaction date, effective fund price, shares traded, and total transaction amount. This report can be queried on a cash or accrual accounting basis for annual, quarterly or monthly periods.

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23

Participant User Manual

Manage Your Account

Portfolio Selection

Portfolio Selection

You can change your portfolio options on this screen. The changes made on this page will only affect future contributions. If you wish to change the percentages of your existing investment portfolio, select “Existing Balance” from the options menu.

1.

Select the portfolio type:

• Aggressive

Moderate

Conservative

Custom

2.

3.

Click save changes.

Click View Portfolio to view asset class and portfolio details.

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Participant User Manual

Manage Your Account

Existing Balances

Existing Balances

On this page you can make changes to the percentages of your existing funds. If you make changes to existing investments, there may be buy and sell trade transactions. Locked funds are excluded since they cannot be sold or reallocated. If you would like to unlock a fund an incur possible charges, click on the lock icon next to the Desired Allocation % field to unlock the fund.

You can also use this screen to rebalance your existing portfolio investments to the percentages you chose for each fund.

2.

3.

To rebalance the percentages in your existing investment portfolio:

1.

Select the portfolio type from the drop down list.

Click the Rebalance To Portfolio link.

Click Submit Changes.

2.

3.

To change the percentages of your existing funds:

1.

Review the fund details by clicking on the fund name.

Type the desired percentage of each fund in the Desired Allocation % field. The total must equal 100%.

Click Submit Changes.

| }

25

Participant User Manual

Manage Your Account

Deferrals

Deferrals

Show Me

Make changes to your deferral elections on this screen.

1.

2.

3.

Elect to not participate in the plan|

OR

Change your payroll deduction percentage OR amount.

Click the Save Changes link to update your deferral elections.

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Participant User Manual

Manage Your Account

Automatic Rebalancing

Automatic Rebalancing

On this screen, you can change the automatic rebalancing option selected when you enrolled in the plan.

Rebalancing allows you to adjust your portfolio to the percentages to the percentages you designated when choosing your portfolio type. On this page you can choose to have the system rebalance your portfolio automatically on scheduled dates.

If you have a custom portfolio, automatic rebalancing is not available.

2.

3.

1.

Select not to participate in automatic rebalancing OR Elect to have your account rebalanced on scheduled dates.

Click the Save Changes link.

Click the Printable Confirmation link if you would like a copy of your change.

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27

Participant User Manual

Manage Your Account

Personal Data

Personal Data

On this screen, make changes or update your personal information.

1.

Update the information in the fields.

Note: Your social security number, birth date, hire date and Term. date cannot be changed. If this information is incorrect,

2.

please contact your Plan Administrator.

Click the Save Changes link.

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28

Participant User Manual

Manage Your Account

Change Beneficiaries

Change Beneficiaries

Show Me

On this screen you can change primary and contingent beneficiaries. A Beneficiary Designation form is required.

1.

Select one or more beneficiaries and complete the information for each beneficiary. You may choose a primary and contingent beneficiaries.

The primary beneficiaries will be entitled to the vested portion of your plan account. The contingent beneficiaries will only be entitled to the assets once all the primary beneficiaries are no longer living.

The beneficiary name is a required field. The benefit percent for primary beneficiaries must sum to equal 100 percent and the benefit percent for contingent beneficiaries must be 100 percent.

2.

Click the Create Beneficiary Designation Form link, print the document, and complete the information on the form. A paper, signed copy is required. Give the form to your plan administrator.

NOTE: IRS regulations require that if you are married the sole beneficiary of your account must be your spouse. Should you wish to designate anyone other than your spouse you must first obtain spousal consent. Your spouse’s consent must be witnessed by a plan representative or notary. Should you list a non-spouse beneficiary without obtaining spousal consent the benefits will be required to be paid to your spouse. It is very important that you update beneficiary information as soon as you experience any changes in your marital status. The spousal consent form is included as page

2 of the Beneficiary Designation Form.

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29

Participant User Manual

Document Center

Document Center

The Document Center contains useful information and content for your personal reference.

Click the View icon to read the document. Adobe Acrobat Reader 4+ is required to view the documents.

Download the latest version of Adobe Acrobat Reader

| }

30

Participant User Manual

Taking Money Out

Participant Loans

Participant Loans

Show Me

Loan Calculator:

To calculate the estimated monthly payment for your loan request

1.

2.

Type the Loan Request Amount

Enter the number of Monthly Payments.

3.

Click the Calculate button.

4.

Click the View Amortization Schedule link.

Refer to the Maximum Loan Amount, interest rates, and maximum duration (months/payments) fields on the screen for either a non-principal residence or principal residence loan to guide your selections.

Click Create Loan Application and complete the form.

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31

Participant User Manual

Taking Money Out

Termination Distribution

Termination Distribution

To request a Service Termination or Plan Termination distribution, the following document is required:

• Distribution Request Form

1.

Click the request a Termination Distribution link.

| }

2.

3.

Termination Distribution Request Form in PDF will generate.

Print and Complete form.

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Participant User Manual

Taking Money Out

In Service Withdrawal

In Service Withdrawal

In Service Withdrawal may be requested for any of the following reasons:

• 59 1/2 years old

70 1/2 years old

Normal Retirement Age

Post Tax Funds

1.

2.

Click the request an In Service Withdrawal link.

Click the Create In Service Withdrawal link.

| }

3.

4.

In Service Withdrawal Form in PDF will generate.

Print and Complete form

33

Participant User Manual

Taking Money Out

Hardship Distribution

Hardship Distribution

To request a Hardship Distribution, the following document is required:

• Hardship Distribution Request Form

1.

2.

Click the request a Hardship Distribution link.

Click the Create Distribution Request Form - Emergency Cash link.

3.

4.

Hardship Distribution Request Form in PDF will generate.

Print and Complete form.

| }

34

Participant User Manual

Taking Money Out

Qualified Domestic Relations Order (QDRO)

Qualified Domestic Relations Order (QDRO)

To request a QDRO, the following document is required:

• QDRO Distribution Form

• QDRO Court Order (this is issued by a state court, that gives a spouse, former spouse, child or other legal dependent of the participant the right to any part of the participant’s interest in the Plan)

1.

Click the request a Qualified Domestic Relations Order link.

| }

2.

3.

Qualified Domestic Relations Order Distribution Form in PDF will generate.

Print and Complete form.

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Participant User Manual

Taking Money Out

Change Beneficiaries

Change Beneficiaries

Complete the Beneficiaries screen under Manage Your Account - Beneficiaries. Then, click the Create Beneficiary Designation

Form. Print the form, complete, sign, and give the form to your Plan Administrator.

1.

2.

3.

Click the Create Beneficiary Designation Form link.

Create Beneficiary Designation Form in PDF will generate.

Print and Complete form.

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36

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