Information contained s proprietary, confidential and non-public and is not for public release. Plan Options Pre-tax Contributions • Contributions are before-tax and will reduce taxable income • Growth on contributions are tax-deferred • Taxes are paid on your contributions and any earnings at distribution Roth 401(k) Contributions • Contributions are after-tax and will not reduce taxable income • Growth on contributions are tax-deferred • Potential tax-free distribution 1 on contributions and related earnings 1 Qualified tax-free distributions on the earnings from a Roth 401(k) occur after the participant reaches age 59½ OR on account of the participant’s death or disability AND after the participant has held the account for at least five years