Retirement Guide

Your retirement.
Get there one step at a time.

The retirement years hold many JOIN NOW TO TAKE ADVANTAGE OF THESE BENEFITS:
● Your employer helps. Your employer may make a discretionary match.
possibilities. Whether you see
yourself working less, starting a ● Your contributions. How much you save will have a big impact on
how much money you will have when you retire.
new career, enjoying hobbies, or
● Pre-tax saving. Saving pre-tax lowers your current taxable income
traveling, chances are you’ll need allowing you to pay less in taxes now and take more income home. See
to plan ahead and save. how in the chart below. You defer paying taxes on your savings and
earnings until you start making withdrawals.
We all want to achieve the financial ● Tax-advantaged savings with the Roth 401(k). With Roth, your
security to afford to spend contributions are taxed now—instead of when you retire. You can get
more information about the Roth 401(k), including a calculator on the
retirement as we choose. It’s up to web site.
you to save for your future—and ● Plan features that simplify planning. Save Smart and automatic
the Anaheim Majestic Garden Account Rebalancing.

Hotel 401k Plan can help.

Pre-Tax Saving
It costs less than you think to save for your retirement.

Annual Salary: $30,000 Tax Bracket: 15%

Pre-tax Contribution Rate 2% 4% 6%

» The out-of-pocket amount is less than the » Weekly Plan Contribution $11.54 $23.08 $34.62
amount contributed in the plan. Weekly Tax Savings $1.73 $3.46 $5.19
000001_ENG_010001

» Weekly Out-of-Pocket Amount $9.81 $19.62 $29.43

Annual Contribution $600 $1200 $1800

Account Balance After 30 Years $75,015 $150,030 $225,044

This chart is for illustrative purposes only. This example assumes contributions made at the beginning
of the month and an 8% annual effective rate of return compounded monthly. Results are not meant to
represent past or future performance of any specific investment vehicle. Investment return and principal
value will fluctuate and when redeemed, the investment may be worth more or less than its original
cost. Taxes are due upon withdrawal. Withdrawals taken prior to age 59½ may be subject to a 10% tax
penalty. ADP makes no recommendation regarding the appropriateness of any amount you may consider
contributing to your employer’s plan.

1
Take the first step,
enroll today.

Plan for what’s ahead.

Knowing your goals for retirement — and what it will take to reach them — is key to creating
a strategy that works for you. Learn how the plan helps you save and stay on track to reach
your goals.

Choose how you want to get there.

Understanding investments puts you on the right path to choosing options that best meet your
goals and preferences. Get the basics to boost your knowledge and make smart investing decisions.

Start moving in the right direction.

Your plan makes it easy for you to start saving for your future financial security. Take the first step
and enroll today.

CONSIDER THE ROTH 401(K) OPTION You Decide: Roth or Traditional 401(k)
Your plan offers another tax-advantaged savings option:
Traditional 401(k) Roth 401(k)
a Roth 401(k). With Roth, your contributions are taxed
now—instead of when you retire. Your contributions Employee Before-tax dollars After-tax dollars
and earnings grow tax-free, which means you pay no Contributions
taxes when you make a withdrawal if certain conditions
Account Growth Tax-deferred until Tax-free at distribution
are met. A Roth 401(k) may be right for you if: (earnings) distribution (if distribution is
qualified)
• Your federal income tax rate will be higher when
you retire Federal Tax Reduces current taxable Contribution is taxable
income by contribution in current year
• You expect to invest for many years and amount
reach a higher tax bracket when you retire
Taxes paid at No taxes due on
You can also use the Roth 401(k) calculator on withdrawal qualified withdrawals*
the plan web site to help you decide.
Distributions Available at age 59½ Tax-free, provided you
had the account at
ADP makes no recommendation regarding the appropriateness of least five years and
Roth versus non-Roth elective deferrals. you are:
- at least 59½, or are
- disabled or deceased

*Tax law requirements must be met.

2
 Personal Investor 2. The main objective for my account
is to:
5. My account has $100,000 in it.
I would move my money to a lower
Profile  Avoid losses. risk investment if it lost _______
(0 points) in one year. (Fill in the blank.)
The asset allocations provided by this
Personal Investor Profile are provided  Keep pace with inflation.
 $5,000 (5%) (0 points)
for educational purposes only and should (2 points)  $10,000 (10%) (1 points)
not be construed as investment advice.  Keep pace with the stock market.  $15,000 (15%) (2 points)
In applying any asset allocation model
(4 points) $20,000 (20%) (3 points)
to your individual situation, you should 

consider your other assets, income and 3. If my account lost 30% of its  I would not move my money at all.
investments in addition to any balance value over a short period of time, (4 points)
you may have in a retirement plan. See I would be:
your financial advisor before making any 6. When attempting to achieve
 Extremely uncomfortable – I my investment goals:
decision as to your asset allocation. cannot accept large short-term
Answer the following questions with the losses. (0 points)  I do not want my account to lose
corresponding point value to determine any value, even if it will take longer
 Slightly uncomfortable – I may be to achieve my investment goals.
your investor profile score. ok with a short-term loss as long as (0 points)
I have time to regain those losses.
1. How would you best describe (2 points)  I will accept small fluctuations
your investment experience in my account’s value. (1 points)
and knowledge?
 Comfortable – Because I have time
to regain those losses. (4 points)  I will accept moderate fluctuations
 I am very experienced and in my account’s value. (2 points)
knowledgeable about investments. 4. I am willing to accept a greater
risk of losing money in my
 I will accept large fluctuations
(4 points) in my account’s value. (3 points)
account for the potential of higher
 I have some experience and long-term returns:  I will accept extreme fluctuations
knowledge about investments. in my account’s value. (4 points)
 Strongly Agree  Disagree
(2 points)
(4 points) (1 points)
 I have very little or no investment  Agree  Strongly Total the points for your score.
experience and knowledge. (3 points) Disagree Your Score
(0 points)  Neutral (0 points)
(2 points)

Find your total score in the chart below, along with your retirement timeline, to see what type of investment profile may be best for you.
This chart should only serve as a guide to help you determine your own investing comfort zone.

Years To My Retirement My Investor Score

0-2 points 3-8 points 9-16 points 17-21 points 22-24 points

0-3 years Conservative Conservative Conservative Conservative Conservative

Conservative Moderate Moderate Moderate Moderate

3-5 years Conservative Conservative Conservative Conservative

Moderate
5-7 years Conservative Conservative Moderate Moderate Moderate

Moderate Moderate Moderate

7-12 years Conservative Conservative Moderate Aggressive Aggressive

Moderate Moderate
12+ years Conservative Conservative Moderate Aggressive Aggressive

The results of this quiz are intended to help you identify what type of investor you may be. This quiz is not intended to recommend
a particular asset allocation or to provide individual advice.

3
Profiles
Conservative Profile
This profile may be right for you if you want to avoid a potential loss of account value, or if you are nearing retirement.
You should be willing to go without the potential for higher long-term returns in exchange for a more stable
and predictable return.
Moderate Conservative Profile
This profile may be right for you if your primary goal is to avoid short-term losses. However, you also want higher long-term
returns to offset the effects of inflation. Your account will likely have relative stability, but in order to keep up with inflation,
some fluctuations in your account value should be expected.
Moderate Profile
This profile may be right for you if you are interested in balancing your level of risk and return. You want to have returns

Moderate Aggressive Profile

This profile may be right for you if you have more time until retirement and can tolerate higher-than-average fluctuations
in your account value. This type of allocation provides the potential for higher-than-average returns over the long term.
You should be willing to accept short-term losses and less stable returns.
Aggressive Profile
This profile may be right for you if you are willing and able to stay the course through short-term gains and losses because
you want the potential for higher returns over the long term. You should have a long time until retirement and a high tolerance
for risk. You should be willing to accept frequent short-term losses and extreme fluctuations in account value.

Investor Profiles
Match your investor profile to one of the sample asset allocation models.*

Conservative Moderate Conservative Moderate Moderate Aggressive Aggressive

20% Equity 40% Equity 60% Equity 75% Equity 90% Equity
65% Fixed 50% Fixed 35% Fixed 25% Fixed 10% Fixed
Income Income Income Income Income
15% Cash or Cash 10% Cash or Cash 5% Cash or Cash 0% Cash or Cash 0% Cash or Cash
Equivalents Equivalents Equivalents Equivalents Equivalents

LOW RISK/REWARD POTENTIAL HIGH

* These risk-based asset allocation models were created using the following three asset classes: Domestic Equity; Intermediate-Term Domestic
Bond; and Cash Equivalent.

This Personal Investor Profile was created by and is the property of the Mesirow Financial Investment Strategies Group, a division of Mesirow Financial Investment
Management, Inc. (MFIM), an SEC registered investment advisor. ADP, LLC and its affiliates (ADP) are not affiliates of MFIM, nor do they provide investment,
financial, legal or tax advice to participants. The information provided herein is for informational purposes only and is not intended to be, nor should it be construed as,
individualized advice or a recommendation to purchase or sell any particular investment option. In applying any asset allocation model to your individual situation, you
should consider your other assets, income and investments in addition to any balance you may have in a retirement plan. In making this interactive material available,
ADP makes no recommendation regarding the appropriateness of any asset allocation. Copyright © 2017 ADP, LLC. All rights reserved. The Mesirow Financial name is
a registered service mark of Mesirow Financial Holdings, Inc. © 2017, Mesirow Financial Holdings, Inc. All rights reserved.

4
99-4603-0317
 Starting earlier
YOUR PLAN HELPS MAKE IT EASY FOR YOU TO SAVE BY OFFERING
can pay off THE FOLLOWING FEATURES:
It’s important to save enough
for your future, and it’s also •• A broad range of investment options.* When you decide how to
important to understand invest your account balance, spreading your savings among different
investments can help smooth the ups and downs of market cycles and
the concept of compounded
reduce risk. In deciding how to allocate the investment of your account
returns. The chart shows  balance, keep in mind that some of the plan’s investment options, known
how starting earlier puts as “target date funds,” contain an asset allocation strategy within the
compounding to work for  investment option itself.
you over time.
•• An account you can take with you. Should you leave the company, your
Save $200 a month vested balance is yours to take with you.
Start now
Save for 10 years

$400,138
Wait 10 years
Save for 30 years

$298,072

$376,138 $226,072 START MOVING IN THE RIGHT DIRECTION.

Here’s what you need to do to open your retirement account:

•• Follow the enclosed instructions to join today.

$24,000 $72,000 •• Contributions. Determine your contribution level to the plan and
consider whether you want to contribute enough to receive the full plan
Earnings
Earnings Contributions
Contributions match (if your employer makes a matching contribution)

•• Name your account beneficiary(ies).

This hypothetical illustration assumes pre-tax
contributions made at the beginning of each
month and an annual effective rate of return
of 8% and reinvestment of earnings.
*The underlying mutual funds in the portfolios of asset allocation funds are subject to stock market
* S
 tart now assumes the contributions are risk and invest in individual bonds whose yields and market values fluctuate, so that your investment
invested for 40 years; may be worth more or less than its original cost. The target date of a target date mutual fund is the
** Wait 10 years assumes contributions are approximate date when an investor plans to begin withdrawing their money from the fund. The principal
invested for 30 years. Results are for illustrative value of a target date fund is not guaranteed at any time, including at the target date. Keep in mind
purposes only and are not meant to represent that a target date mutual fund is comprised of a mix of underlying investment options in various asset
the past or future performance of any specific classes. Therefore, if you decide to invest in other funds in addition to a target date mutual fund,
investment vehicle. Investment return and
principal value will fluctuate and, when you may overweight your account in a particular asset class. The funds automatically change their
redeemed, the investment may be worth more underlying asset allocation gradually changes over time, becoming more conservative as the target date
or less than their original cost. Taxes are due approaches. Choosing one of these investment options could simplify your asset allocation approach.
upon withdrawal. Withdrawals taken prior to Remember that the underlying mutual funds in the portfolios of asset allocation funds are subject to
age 59 ½ may be subject to a 10% tax penalty. stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your
ADP makes no recommendation regarding investment may be worth more or less than its original cost. The principal value of a target date fund is
the appropriateness of any amount you may not guaranteed at any time, including at the target date.
consider contributing to your employer’s plan.

Take the first step and enroll today.

You can get more information, including plan investments, prospectuses, plan benefits and features using these resources:

www.mykplan.com 1-800-695-7526

See the enclosed enrollment instructions for login information.

ADP, LLC and its affiliates 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 specific plan should be directed to your plan
administrator or legal, tax or financial advisor.

This book was printed on 30% Post-Consumer recycled fiber. 5

Notes

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6
ENROLLMENT INSTRUCTIONS (Do Not Send to ADP)
Follow these simple steps to enroll in your company retirement plan.

I DECIDE HOW MUCH TO SAVE

Deductions are subject to maximum deferral and contributions limits. Refer to your Summary Plan Description (SPD) or consult
your Plan Administrator to review plan limits. Through your plan, you can make:
l Before-tax contributions
l Roth 401(k) contributions

II CHOOSE YOUR INVESTMENTS

The list of your plan’s investments is on the following page(s).

III ENROLL
You can either enroll online or use the automated Voice-Response System. You will need your User ID and Password to
enroll.
l Enrolling with no prior account balance: Please use the password you received in the mail to enroll.
l Enrolling with an existing account balance: Use your current password to enroll if you have an account balance in
your Plan due to a rollover/employer non-elective contribution.

Log on: www.mykplan.com (if available) OR Call: 1-800-mykplan(1-800-695-7526)

Once you have accessed your account, follow the steps to choose your contribution amount and investments. You will
receive confirmation of your enrollment.

! OTHER IMPORTA
T NT CONSIDERAT
A IONS

Designate your beneficiary(ies): It’s an important step in managing your account because it provides a way for you to
pass ownership of your account assets on to your beneficiary(ies) after your death. Either submit a completed
Beneficiary Designation Form or designate your beneficiary online.
The Save Smart feature lets you increase your pre-tax contributions by 1, 2, or 3% annually on the date you choose.
It can help you meet your retirement savings goals by saving automatically over time.
You may elect Account Rebalancing to keep your asset allocation balanced. Once you’ve created your diversified
allocation, this feature can keep it balanced for you.

EN_WKST 106 01-SHELL

7
670617_REENROLLWKSHTSM_10/09/18
ENROLLMENT INSTRUCTIONS

II PLAN INVESTMENTS
Remember to review the fund prospectuses, which provide complete information about the funds, including fees and expenses,
before choosing your investments. See the Web site or your Plan Administrator to obtain fund prospectuses.

When you create your asset allocation, your investment election must total 100%.

5L T. Rowe Price Retirement 2010 Fund - Class R* 4T State Street S&P 500 Index Securities Lending Series Fund
- Class IX
5M T. Rowe Price Retirement 2020 Fund - Class R* 6T Victory Diversified Stock Fund - Class R

5O T. Rowe Price Retirement 2030 Fund - Class R* 4R MainStay Large Cap Growth Fund - Class R3

5Q T. Rowe Price Retirement 2040 Fund - Class R* 6R Victory Sycamore Established Value Fund - Class R

5N T. Rowe Price Retirement 2050 Fund - Class R* 4F PGIM Jennison Mid-Cap Growth Fund - Class R

5P T. Rowe Price Retirement Balanced Fund - Class R* 3M Franklin Small Cap Value Fund - Class R

1M State Street Cash Series US Government Fund - Class L NG State Street Russell Small Cap Index Sec Lending Series
Fund Class VIII
5I PIMCO Total Return Fund - Class R 4M Lord Abbett Developing Growth Fund - Class R3

6Z MainStay Epoch U.S. Equity Yield Fund - Class R3 6J Thornburg International Value Fund - Class R3

Investment options with an asterisk are Target Date Funds, whose underlying mutual funds are subject to stock market
risk and that invest in individual bonds whose yields and market values fluctuate, 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.

8
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Anaheim Majestic Garden Hotel 401k Plan ROLLOVER FORM – 280

Social Security #:
- - Phone #:
- -
Employee Name:
Last, First, Middle
Address:
Street Apt. # / PO Box #

City State Zip Code

-
Birth Date:
Month
- Day
- Year
Hire Date:
Month
- Day
- Year

I ROLLOVER INSTRUCTIONS
The Rollover Form is used to invest prior plan money in your Plan account. The rollover must be completed within 60 days of receipt of the distribution, come
from another employer’s plan or an IRA and represent all or a portion of a lump sum distribution, or an installment distribution of less than ten years. In the
context of a direct rollover, in which the funds are never actually made payable to you, the 60-day period for completing a rollover is inapplicable.
Section II.A. Check (ü) the appropriate box to identify the source of this Rollover.
Section II.B. Identify the total amount of the rollover. A certified or bank check must accompany this form for the stated dollar amount. Pre-printed checks
are required. Handwritten checks will be returned to the Plan Administrator. Please include the last four digits of your Social Security Number
and Plan Number on the check made payable to Reliance Trust Company.
Section III. Read the acknowledgment, and then sign and date the form.

Note: If you have not previously enrolled in the Plan, you must complete a Beneficiary Form and give it to your Plan Administrator. Do not send to ADP.

II ROLLOVER AMOUNT/SOURCE
A. This rollover is a distribution from:
o Individual Retirement Account o SIMPLE IRA (IRA must be in existence for at least 2 years) o §457 Plan o §403(b) Tax Sheltered Annuity
o Qualified Plan of (check one): o an Unrelated Employer o a Related Employer
Note: If you do not check a box, we will understand you have certified that the rollover is from an unrelated employer.
B. Select rollover type:
o Before-Tax 401(k) $ .
TOTAL ROLLOVER AMOUNT

o Roth 401(k) $ . =$ . +$ .
TOTAL ROLLOVER AMOUNT Contributions Earnings

NOTE: Rollovers of Roth 401(k) monies may only be made via direct rollover and may not be rolled over from an IRA.

III ACKNOWLEDGMENT, ROLLOVER INVESTMENT DIRECTION AND SIGNATURE

I have read and understand the Summary Plan Description and Participant Fee Disclosure Statement, have completed the Beneficiary Form if I have not
previously enrolled in the plan, and agree to be bound by the provisions of the Plan. I have also reviewed a description of each of the funds, and understand
the objectives, risks, expenses and charges associated with each. I certify that:
l I received the distribution from the source indicated above within the last 60 days (60-day requirement not applicable in the case of a direct rollover).
l The rollover is from the rollover source indicated above and has not been combined with any money that would disqualify the rollover.
l No portion of this rollover contribution represents amounts received as a hardship distribution from an employer plan.
I understand that if I do not have a plan account one will be established for my rollover contribution and invested in the plan default fund. Once my account
has been established, I will be mailed my account access information and can make investment allocation changes through the plan website or Voice
Response System. If I already have a plan account established, I direct that my rollover contribution be invested in accordance with my investment election
on file.

In an effort to prevent short-term trading and market timing, many investment companies have established excessive trading and/or redemption fee policies for
certain investments. ADP Retirement Services, whenever possible, implements the investment company’s market timing policy (please review the fund’s prospectus
for information on a specific fund company’s policies). However, there are instances when ADP Retirement Services may need to implement its own market timing
policy, which could differ from the investment company’s policy, in order to ensure compliance with the fund’s prospectus. Because investment options in your
retirement savings plan may be subject to these policies, please refer to your Plan Participant Web site (or, if the Web site is not available to you, call a Client
Services Representative) for additional information.

Signature of Employee/Participant Date

FOR PLAN ADMINISTRATOR USE ONLY (MUST BE COMPLETED)

Date Received: Plan Administrator Approval: Date Roth 401(k) contributions began:
Company Code: __________________________ _________________________________ (If not provided, ADP will use date contribution is received)
_______ / _______ / 20_______

Recordkeeping Plan #:
!!!!!!
6 7 0 6 1 7
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10 This book was printed on 30% Post-Consumer recycled fiber.
Performance Summary For the month ending August 31, 2018
Current performance may be lower or higher than the performance data quoted. For most recent performance, go to www.mykplan.com.

Morningstar Average Annual Total Returns (NAV) Expense Ratio

1
Fund Name/Inception Category Ticker 2
Month QTR3 1 Yr 3 Yr 5 Yrs 10 Yrs4 Net Gross

Income
State Street Cash Series US Government Fund - Class L (04/2012) N/A N/A 0.10% 0.26% 0.75% 0.28% 0.17% 0.13%(I) 0.75% 0.75%
PIMCO Total Return Fund - Class R (12/2002) Intermediate-Term Bond PTRRX 0.39% -0.59% -1.83% 1.54% 2.09% 4.11% 1.19% 1.19%
Growth & Income
T. Rowe Price Retirement 2010 Fund - Class R (10/2003) Target-Date 2000-2010 RRTAX 0.54% 0.11% 4.45% 6.39% 5.83% 5.65% 1.07% 1.07%
T. Rowe Price Retirement 2020 Fund - Class R (10/2003) Target-Date 2020 RRTBX 0.57% 0.36% 6.48% 8.25% 7.61% 6.78% 1.13% 1.13%
T. Rowe Price Retirement 2030 Fund - Class R (10/2003) Target-Date 2030 RRTCX 0.64% 0.58% 8.39% 9.88% 9.10% 7.63% 1.19% 1.19%
T. Rowe Price Retirement 2040 Fund - Class R (10/2003) Target-Date 2040 RRTDX 0.72% 0.78% 9.76% 10.92% 9.98% 8.15% 1.24% 1.24%
T. Rowe Price Retirement 2050 Fund - Class R (12/2006) Target-Date 2050 RRTFX 0.69% 0.84% 10.08% 11.14% 10.10% 8.20% 1.24% 1.24%
T. Rowe Price Retirement Balanced Fund - Class R (10/2003) Allocation--30% to 50% EquityRRTIX 0.58% 0.28% 4.36% 5.82% 5.00% 5.05% 1.06% 1.06%
Growth
MainStay Epoch U.S. Equity Yield Fund - Class R3 (05/2017) Large Value EPLTX 1.29% 1.53% 9.42% N/A N/A 9.36%(I) 1.41% 1.41%
State Street S&P 500 Index Securities Lending Series Fund - Class IX N/A N/A 3.21% 3.24% 18.86% 15.32% 13.74% 10.14% 0.52% 0.52%
(02/1996)
Victory Diversified Stock Fund - Class R (03/1999) Large Blend GRINX 3.64% -0.60% 17.60% 10.58% 10.15% 7.15% 1.33% 1.33%
MainStay Large Cap Growth Fund - Class R3 (04/2006) Large Growth MLGRX 4.30% 7.25% 28.11% 17.30% 16.21% 11.31% 1.35% 1.35%
Victory Sycamore Established Value Fund - Class R (08/1983) Mid-Cap Value GETGX 1.28% 2.38% 15.91% 13.63% 13.76% 11.28% 1.10% 1.10%
PGIM Jennison Mid-Cap Growth Fund - Class R (06/2005) Mid-Cap Growth JDERX 2.76% 2.09% 15.73% 10.13% 10.18% 9.48% 1.24% 1.49%
Aggressive Growth
Franklin Small Cap Value Fund - Class R (08/2002) Small Value FVFRX 2.11% 4.13% 19.26% 13.58% 9.94% 9.03% 1.30% 1.32%
State Street Russell Small Cap Index Sec Lending Series Fund Class VIII N/A N/A 4.28% -0.27% 24.64% 15.33% 12.22% 9.70% 0.57% 0.57%
(09/1996)
Lord Abbett Developing Growth Fund - Class R3 (09/2007) Small Growth LADRX 12.95% 14.93% 55.85% 17.12% 13.57% 13.54% 1.21% 1.21%
Thornburg International Value Fund - Class R3 (07/2003) Foreign Large Blend TGVRX -3.11% -4.73% -1.52% 3.57% 4.39% 3.25% 1.45% 1.60%

1 The 7-day yield more closely reflects the current earnings of the Investment Returns and principal value of an investment will fluctuate so that when
money market fund than the total return quotation. an investor's shares are redeemed, they may be worth more or less than the
2 Commingled Funds are not publicly traded mutual funds and are original cost. The returns represent past performance. Past performance is no
not listed in public stock market listings such as the Wall Street guarantee of future results.
Journal. An expense ratio is a fund's annual operating expenses expressed as a percentage
3 Quarter-end returns are for the most recent quarter-end of average net assets and includes management fees, administrative fees, and any
performance. (Quarter-end periods are 3/31, 6/30, 9/30 and 12/31.) marketing and distribution fees. Expense ratios directly reduce returns to investors.
4 10 year or since inception of the fund. The expense ratio typically includes the following types of fees: accounting,
administrator, advisor, auditor, board of directors, custodial, distribution (12b-1),
legal, organizational, professional, registration, shareholder reporting, sub-advisor,
and transfer agency. The expense ratio does not reflect the fund’s brokerage costs
or any investor sales charges. For publicly traded mutual funds, the net prospectus
expense ratio is collected from the fund's most recent prospectus and provided by
Morningstar. This is the percentage of fund assets paid for operating expenses and
management fees. In contrast to the net expense ratio, the gross expense ratio
does not reflect any fee waivers in effect during the time period. Morningstar pulls
the prospectus gross expense ratio from the fund’s most recent prospectus.
Commingled Fund expense ratios are provided by the investment managers.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The prospectus contains this and other
important information related to the funds and the investment company. Please read it carefully before investing. To obtain a prospectus, please see your plan sponsor or your plan
administrator or go to www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ. Member FINRA.
State Street Cash Series US Government Fund - Class L T. Rowe Price Retirement 2040 Fund - Class R
STRATEGY: The SSgA Cash Series U.S. Government Fund (the "Fund") seeks STRATEGY: The investment seeks the highest total return over time
to maximize current income, to the extent consistent with the preservation consistent with an emphasis on both capital growth and income. The fund
of capital and liquidity and the maintenance of a stable $1.00 per share net invests in a diversified portfolio of other T. Rowe Price stock and bond
asset value ("NAV"), by investing in U.S. government securities and in funds that represent various asset classes and sectors. Its allocation
repurchase agreements collateralized by U.S. government securities. The between T. Rowe Price stock and bond funds will change over time in
Fund is not a "money market fund" registered with the Securities and relation to its target retirement date. The fund is managed based on the
Exchange Commission, and is not subject to the various rules and specific retirement year (target date 2040) included in its name and
limitations that apply to such funds. There can be no assurance that the assumes a retirement age of 65. While the fund is non-diversified, it invests
Fund will maintain a stable net asset value. in diversified underlying holdings.

PIMCO Total Return Fund - Class R T. Rowe Price Retirement 2050 Fund - Class R
STRATEGY: The investment seeks maximum total return, consistent with STRATEGY: The investment seeks the highest total return over time
preservation of capital and prudent investment management. The fund consistent with an emphasis on both capital growth and income. The fund
invests at least 65% of its total assets in a diversified portfolio of Fixed invests in a diversified portfolio of other T. Rowe Price stock and bond
Income Instruments of varying maturities, which may be represented by funds that represent various asset classes and sectors. Its allocation
forwards or derivatives such as options, futures contracts, or swap between T. Rowe Price stock and bond funds will change over time in
agreements. It invests primarily in investment-grade debt securities, but relation to its target retirement date. The fund is managed based on the
may invest up to 20% of its total assets in high yield securities. It may invest specific retirement year (target date 2050) included in its name and
up to 30% of its total assets in securities denominated in foreign assumes a retirement age of 65. While the fund is non-diversified, it invests
currencies, and may invest beyond this limit in U.S. dollar-denominated in diversified underlying holdings.
securities of foreign issuers.
T. Rowe Price Retirement Balanced Fund - Class R
T. Rowe Price Retirement 2010 Fund - Class R STRATEGY: The investment seeks the highest total return over time
STRATEGY: The investment seeks the highest total return over time consistent with an emphasis on both capital growth and income. The fund
consistent with an emphasis on both capital growth and income. The fund invests in a diversified portfolio of other T. Rowe Price stock and bond
invests in a diversified portfolio of other T. Rowe Price stock and bond funds that represent various asset classes and sectors. It is intended for
funds that represent various asset classes and sectors. Its allocation retired investors who seek income and relative stability from bonds along
between T. Rowe Price stock and bond funds will change over time in with some capital appreciation potential from stocks. The fund's "neutral
relation to its target retirement date. The fund is managed based on the allocations," which are what T. Rowe Price considers broadly appropriate
specific retirement year (target date 2010) included in its name and for investors during their retirement years, are 40% stock funds and 60%
assumes a retirement age of 65. While the fund is non-diversified, it invests bond funds. While the fund is non-diversified, it invests in diversified
in diversified underlying holdings. underlying holdings.

T. Rowe Price Retirement 2020 Fund - Class R MainStay Epoch U.S. Equity Yield Fund - Class R3
STRATEGY: The investment seeks the highest total return over time STRATEGY: The investment seeks current income and capital appreciation.
consistent with an emphasis on both capital growth and income. The fund The fund generally invests in a diversified portfolio consisting of equity
invests in a diversified portfolio of other T. Rowe Price stock and bond securities of U.S. companies that have a history of attractive dividend yields
funds that represent various asset classes and sectors. Its allocation and positive growth in operating cash flow. It invests at least 80% of its
between T. Rowe Price stock and bond funds will change over time in assets (net assets plus any borrowings for investment purposes) in equity
relation to its target retirement date. The fund is managed based on the securities of dividend-paying U.S. companies across all market
specific retirement year (target date 2020) included in its name and capitalizations. The fund may invest up to 15% of its net assets in foreign
assumes a retirement age of 65. While the fund is non-diversified, it invests securities.
in diversified underlying holdings.

T. Rowe Price Retirement 2030 Fund - Class R

STRATEGY: The investment seeks the highest total return over time
consistent with an emphasis on both capital growth and income. The fund
invests in a diversified portfolio of other T. Rowe Price stock and bond
funds that represent various asset classes and sectors. Its allocation
between T. Rowe Price stock and bond funds will change over time in
relation to its target retirement date. The fund is managed based on the
specific retirement year (target date 2030) included in its name and
assumes a retirement age of 65. While the fund is non-diversified, it invests
in diversified underlying holdings.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The prospectus contains this and other important
information related to the funds and the investment company. Please read it carefully before investing. To obtain a prospectus, please see your plan sponsor or your plan administrator or go to
www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ. Member FINRA.
State Street S&P 500 Index Securities Lending Series Fund - Class PGIM Jennison Mid-Cap Growth Fund - Class R
IX STRATEGY: The investment seeks long-term capital appreciation. The fund
STRATEGY: The SSgA S&P 500 Index Fund (the "Fund") seeks an normally invests at least 80% of its investable assets in equity and
investment return that approximates as closely as practicable, before equity-related securities of medium-sized companies with the potential for
expenses, the performance of the S&P 500® (the "Index") over the long above-average growth. The fund's investable assets will be less than its total
term. The Fund is managed using a "passive" or "indexing" investment assets to the extent that it has borrowed money for non-investment
approach, by which SSgA attempts to match, before expenses, the purposes, such as to meet anticipated redemptions.
performance of the Index. SSgA will typically attempt to invest in the
securities comprising the Index in the same proportions as they are Franklin Small Cap Value Fund - Class R
represented in the Index. In some cases, it may not be possible or STRATEGY: The investment seeks long-term total return. The fund normally
practicable to purchase all of the securities comprising the Index, or to invests at least 80% of its net assets in investments of small-capitalization
hold them in the same weightings as they represent in the Index. In those (small-cap) companies. Small-cap companies are companies with market
circumstances, SSgA may employ a sampling or optimization technique to capitalizations not exceeding either: 1) the highest market capitalization in
construct the portfolio in question. The Fund's returns may vary from the the Russell 2000 Index; or 2) the 12-month average of the highest market
returns of the Index. From time to time SSgA may purchase securities that capitalization in the Russell 2000 Index. It generally invests in equity
are not yet represented in the Index or sell securities that have not yet been securities that the fund's investment manager believes are undervalued at
removed from the Index. the time of purchase and have the potential for capital appreciation. It may
invest up to 25% of its total assets in foreign securities.
Victory Diversified Stock Fund - Class R
STRATEGY: The investment seeks to provide long-term growth of capital. State Street Russell Small Cap Index Sec Lending Series Fund
The fund pursues its investment objective by investing, under normal Class VIII
circumstances, at least 80% of its net assets in common stock, which STRATEGY: The State Street Russell Small Cap ® Index Fund (the "Fund")
includes securities convertible or exchangeable into common stock traded seeks an investment return that approximates as closely as practicable,
on U.S. exchanges. The fund's investments include securities issued by before expenses, the performance of the Russell 2000 ® Index (the
established, large-cap companies, as well as securities of mid-cap "Index") over the long term. The Fund is managed using a "passive" or
companies. The fund's investments include foreign securities that are "indexing" investment approach, by which SSGA attempts to match, before
traded in the U.S., including American Depositary and Global Depositary expenses, the performance of the Index. SSGA will typically attempt to
Receipts (ADRs and GDRs). invest in the equity securities comprising the Index, in approximately the
same proportions as they are represented in the Index. Equity securities
MainStay Large Cap Growth Fund - Class R3 may include common stocks, preferred stocks, depository receipts, or
STRATEGY: The investment seeks long-term growth of capital. The fund other securities convertible into common stock. The Fund may purchase
invests at least 80% of its assets (net assets plus any borrowings for securities in their initial public offerings ("IPOs"). In some cases, it may
investment purposes) in large capitalization companies, which are not be possible or practicable to purchase all of the securities comprising
companies having a market capitalization in excess of $4 billion at the time the Index, or to hold them in the same weightings as they represent in the
of purchase. The Subadvisor invests substantially all of the fund's investable Index. In those circumstances, SSGA may employ a sampling or
assets in domestic securities. However, the fund is permitted to invest up to optimization technique to construct the portfolio in question. From time
20% of its net assets in foreign securities, which are generally securities to time securities are added to or removed from the Index. SSGA may sell
issued by companies organized outside the U.S. or that trade primarily in securities that are represented in the Index, or purchase securities that are
non-U.S. securities markets. not yet represented in the Index, prior to or after their removal or addition
to the Index. The Fund may at times purchase or sell index futures
Victory Sycamore Established Value Fund - Class R contracts, or options on those futures, or engage in other transactions
STRATEGY: The investment seeks long-term capital growth by investing involving the use of derivatives, in lieu of investment directly in the
primarily in common stocks. The fund pursues its investment objective by securities making up the Index or to enhance the Fund's replication of the
investing, under normal circumstances, at least 80% of its assets in equity Index return. The Fund's return may not match the return of the Index.
securities of companies with market capitalizations, at the time of
purchase, within the range of companies comprising the Russell MidCap Lord Abbett Developing Growth Fund - Class R3
Value Index. The fund may invest a portion of its assets in equity securities STRATEGY: The investment seeks long-term growth of capital through a
of foreign companies traded in the U.S., including American Depositary diversified and actively managed portfolio consisting of developing growth
Receipts and Global Depositary Receipts (ADRs and GDRs). companies, many of which are traded over the counter. To pursue its
objective, the fund invests primarily in the equity securities of companies
the portfolio management team believes demonstrate above-average,
long-term growth potential. It invests at least 65% of its net assets in equity
securities of small companies. The fund may invest up to 10% of its net
assets in foreign companies, including emerging market companies and
American Depositary Receipts ("ADRs").

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The prospectus contains this and other important
information related to the funds and the investment company. Please read it carefully before investing. To obtain a prospectus, please see your plan sponsor or your plan administrator or go to
www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ. Member FINRA.
Thornburg International Value Fund - Class R3
STRATEGY: The investment seeks long-term capital appreciation; current
income is the secondary objective. The fund invests primarily in foreign
equity securities or depository receipts of foreign equity securities. The
fund may invest in developing countries, but under normal conditions
those investments are expected to comprise a significantly smaller
proportion of the fund than investments in developed countries.

ADDITIONAL DISCLOSURES
Investment options are available through ADP Broker-Dealer, Inc., a
subsidiary of ADP, One ADP Blvd, Roseland, NJ. Member FINRA. ADP
Broker-Dealer, Inc. is not an administrator as defined in Section 3(16)A of
the Employee Retirement Income Security Act of 1974 (ERISA) and in
Section 414(g) of the Internal Revenue Code as amended, nor is it a
"fiduciary" within the meaning of ERISA Section 3(21).
NAV (Net Asset Value) is determined by calculating the total assets,
deducting total liabilities and dividing the result by the number of shares
outstanding.
Performance information for all publicly traded mutual funds, excluding
Money Market funds, is provided by Morningstar®. Performance
information for Money Market funds and certain other types of funds is
provided by the respective fund manager. © 2003 Morningstar, Inc. All
Rights Reserved. The information contained herein: (1) is proprietary to
Morningstar and/or its content providers; (2) may not be copied or
distributed; and (3) is not warranted to be accurate, complete or timely.
Neither Morningstar, ADP, nor its content providers is responsible for any
damages or losses arising from any use of this information.
Expressed in percentage terms, Morningstar's calculation of total return is
determined each month by taking the change in monthly net asset value,
reinvesting all income and capital-gains distributions during that month,
and dividing by the starting NAV. Reinvestments are made using the actual
reinvestment NAV, and daily payoffs are reinvested monthly.
The Investment Strategy is provided by Morningstar® for all publicly
traded mutual funds. Investment Strategy information for Money Market
funds and certain other types of funds are provided by the respective fund
manager.
Investment Type Definitions:
The investment types are four broad investment categories; each fund is
categorized based on where the fund is listed in Morningstar, Inc.'s
investment category. Income: Money Market, Stable Value, and Fixed
Income investment funds. Growth and Income: Balanced and Lifestyle
investment funds. Growth: Large and Mid Capitalization investment funds.
Aggressive Growth: Small Capitalization, Specialty, Foreign Stock and World
Stock investment funds.
The Morningstar Category identifies funds based on their actual investment
styles as measured by their underlying portfolio holdings (portfolio
statistics and compositions over the past three years). If the fund is new
and has no portfolio, Morningstar estimates where it will fall before
assigning a more permanent category. When necessary, Morningstar may
change a category assignment based on current information.

The Morningstar fund summaries provided above were prepared by others for
general research purposes and are made available by ADP, LLC (ADP) in a
non-fiduciary capacity. ADP makes this information available solely for the
purpose of providing general reference material and not as an investment
recommendation or advice.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The prospectus contains this and other important
information related to the funds and the investment company. Please read it carefully before investing. To obtain a prospectus, please see your plan sponsor or your plan administrator or go to
www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ. Member FINRA.
Plan information

ACCOUNT ACCESS
You can access your account anytime.*
● www.mykplan.com
● 1-800-695-7526
You may also speak with a Service Representative Monday through Friday 8 am– 9 pm ET on days when the New York
Stock Exchange is open.

PLAN ELIGIBILITY
You can take advantage of this employee benefit as soon as you have met your plan’s age and service
eligibility requirements:
● 21 years of age on the next plan entry date
● You must have completed 12 month(s) of service by the next plan entry date.
● You must have completed 1000 hours in 12 month(s) of service by the next plan entry date.

CONTRIBUTIONS
● Pre-tax: 1% to 90%
● Roth 401k: 1% to 90%
● If you’re 50 or older, you may also make a catch-up contribution in excess of Internal Revenue Code or plan limits. You
may save an additional $6,000 in your plan.

EMPLOYER CONTRIBUTIONS
● Your employer may make a discretionary match.
● There may be special requirements for you to receive your company contributions.

VESTING
Your contributions and any amounts you rolled into the plan, adjusted for gains and losses, are always 100% yours.
Your company contribution account vests according to the following schedule:

Years of service: 1 2 3 4 5 6 7
Employer Contribution % vested: 0% 20% 40% 60% 80% 100%

PLAN INVESTMENTS
You choose how to invest your savings. You may select from the following:
● The variety of investments listed in the Performance Summary.

LOANS
Your plan allows you to borrow from your savings. (A fee may apply.)
● Number of loans outstanding at any one time: 1
● Minimum loan amount: $500
● Maximum repayment period: Generally, 5 years, unless for the purchase of a primary residence.
● Interest rate: Prime + 2%

*Except during scheduled maintenance.

Customer Service Representatives are employed by ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Boulevard, Roseland, NJ 07068,
Member FINRA.

15
Plan information

WITHDRAWALS
Types:
● Rollover
● Age 59½
● Hardship

Special rules: Special rules exist for each type of withdrawal. You may be subject to a 10% penalty in addition to federal
and state taxes if you withdraw money before age 59½. See your Participant Website for more information.

DISTRIBUTIONS
Vested savings may be eligible for distribution upon retirement, death, disability or termination of employment.

ROLLOVERS
Rollovers are accepted into the plan, even if you have not yet met the plan’s age and service requirements. See the
Rollover form for instructions if you are interested.

ACCOUNT MANAGEMENT FEATURES

You may elect the following plan features online at www.mykplan.com.

Save Smart® allows you to save gradually over time, as you can afford to, to help you meet your retirement savings goals.
This feature lets you increase your pre-tax plan contribution by 1, 2, or 3% annually on the date you choose.

Automatic Account Rebalancing is a tool that can help you keep your current investment mix (balance by investment
fund) consistent with your current investment strategy for new contributions. Once you have made an investment
allocation election for new contributions, Automatic Account Rebalancing will rebalance your account as often as you
choose: quarterly, semi-annually, or annually.

16
Enroll Today.

ACCOUNT RESOURCES
Once you set up your account, it’s easy to stay connected If you were provided with access information at your
and get information. enrollment meeting, you can enroll online now at
https://www.mykplan.com/enroll
Online: www.mykplan.com
The Participant Website provides instant access to your
You’ll need to enter the plan number and
retirement account and the ability to make changes and
passcode you received at the
perform transactions. You’ll also find tools and calculators
enrollment meeting:
to help with your investment planning decisions so you
can make the most of your plan benefit: Plan number: 670617
● Research plan investments Passcode: _______________
● Make investment elections This passcode expires on: _______________
● Change your contribution amounts
AFTER YOU OPEN YOUR ACCOUNT AND YOUR PLAN
● Elect Save Smart® and automatic IS LIVE, YOU CAN:
Account Rebalancing
● access the resources on the Participant
● Get prospectuses Website and Voice-Response System

● speak to a representative
Phone: 1-800-695-7526
The Voice Response System connects you to your plan ● review your quarterly account statements
account over the phone. Call 1-800-695-7526 to get (when available)
account information and perform many of the
transactions available on the Participant Website.
Use your User ID and Password to get your
You can also speak to a Customer Service account information and access the site. Your
Representative Monday – Friday, 8am – 9pm ET. Password will be mailed to you. If you lose
your Password or want to change it, just call
QUARTERLY ACCOUNT STATEMENT 1-800-695-7526 or go to www.mykplan.com
Stay informed about your progress. Your statement has and follow the prompts.
details about your account, investment performance,
and account activity for the period. Available on your
Participant Website.

WANT TO LEARN MORE?

Scan the code with your mobile
Customer Service Representatives are employed by ADP Broker-Dealer, Inc., device to enroll.
an affiliate of ADP, LLC, One ADP Boulevard, Roseland, NJ 07068.
Member FINRA.

04-3021-0317
000001_ENG_010001