Plan Highlights

Your Contributions

• Pretax contributions are deducted before you pay current income taxes.
• Automatic payroll deduction withdraws your contributions directly from your paycheck.
• Pretax investments grow tax-deferred and are taxed only when you take a distribution from the plan.
• You can contribute between 1% and 18% of your salary on a pretax basis.
• You are 100% vested in your contributions. This means the value of your contributions and earnings are yours when you leave the company, regardless of your years of service.

Matching Contributions

• ABC Company, Inc. currently matches your contributions with $1.00 for every dollar you contribute up to 3% of your salary.
• ABC Company, Inc. may make an annual discretionary profit-sharing contribution if you are an active employee on the last day of the year and have worked at least 1,000 hours during the plan year.



Vesting Schedule
Years of service	Vesting %
1	0%
2	20%
3	40%
4	60%
5	80%
6	100%

Loans

• Borrow up to 50% of your vested account balance (minimum $1,000; maximum $50,000).
• Pay back your account with interest.
• You may have one loan outstanding at a time.
• Take up to five years to pay back a general loan.
• Take up to 20 years to pay back a loan on your primary residence purchase.
• There is an $100.00 loan origination fee per loan.

Withdrawals

• Hardship withdrawals are available for emergencies (as defined by the plan).

Rollovers Into The Plan

• You can rollover account balances from another eligible retirement plan into the ABC Company, inc. 401(k) Profit Sharing Plan.

Receiving A Distribution

• You may request a distribution when you retire, leave ABC Company or become disabled. Remember, the plan document and Internal Revenue Service rules govern when you or your beneficiaries must begin receiving a distribution.
• You may be able to avoid current income taxes by rolling over this account to another tax-qualified retirement plan or Individual Retirement Account (IRA).

For more complete information about any of the mutual funds available within the retirement plan, please Contact Us. Investors should carefully consider the investment objectives, risks, charges and expenses of the fund. Please carefully read the prospectus, which contains this and other important information, before you invest or send money.

Recordkeeping and administrative services for the Plan are provided by J.P. Morgan Retirement Plan Services LLC (JPMRPS); securities transactions for the Plan may be introduced by J.P. Morgan Institutional Investments Inc. (JPMII). Member: FINRA/SIPC. JPMRPS and JPMII are affiliates of J.P. Morgan Chase & Co.

Fund-specific disclosures