Information contained s proprietary, confidential and non-public and is not for public release. Tips for investing Investing tips to live by: • Start Early...it is never too late • Invest at your own pace • Invest only what you do not currently need • Do not time the market • Diversify • Do not obsess over day-to-day performance Using diversification as part of your investment strategy neither assures nor guarantees better performance and cannot protect against loss in declining markets. Tip: Always remember the advantages of your company match, and its impact on your savings!