Page 1: Your Account at a Glance Summary Special Notice Quarterly Account Statement Page 1: Your Account at a Glance Summary Special Notice Your online QAS is identical to the paper copy you used to receive in the mail. It is generally several pages long and can have variations to the example we are looking at here. But, for the most part, your statement will be very similar to this. The first page will include “Your Account at a Glance,” a “Summary” and a “Special Notice” section.

Quarterly Account Statement Your Account at a Glance — “Please review this statement carefully. Notify your GuideStone representative if any errors or inaccuracies are reflected in this statement within 120 days after the period-end date printed above. GuideStone reserves the right to make corrections or changes as it seems necessary or appropriate in the information provided in the statement in order to make it accurate and complete. Due to the timing of payroll cycles, the contributions for the final payroll cycle of this quarter may not appear on this statement. Contributions received after the cut-off date for the end of the quarter will appear on the next quarterly statement.” Summary — the quarterly activity of every different plan you have with GuideStone will be summarized in this section. Details about each plan are delineated later in this statement.

Quarterly Account Statement Each quarter there will be different special notices about the latest products and/or services available to you through your GuideStone retirement plan.

Page 2: Your Potential Future Account Value Quarterly Account Statement Page 2: Your Potential Future Account Value Your Potential Monthly Retirement Income The next section, and in this example, Page 2, attempts to answer the question, “Am I going to have enough at retirement?” by looking at your potential future account value and your potential monthly retirement income.

Quarterly Account Statement The “Your Potential Future Account Value” takes your current balance and assumes that you will continue to make your current monthly contributions. Then, depending on the long term market performance, it projects your value at various ages and various rates of return — 4%, 6% or 8%. This is just hypothetical, but gives you an idea of what is possible under certain conditions.

Quarterly Account Statement “This chart illustrates the potential retirement income at age 67 + 0 months (Social Security full retirement age for participants born after 1960). This illustration assumes a potential average annual investment return of 6% and assumes a continuation of monthly contributions, if any, as indicated below. It also shows the effect of increasing such contributions by an additional $100 each month until age 67 for this illustration.”

Quarterly Account Statement Page 3: An important message about diversification of your retirement savings Important information about illustrations in this statement This section, “Information About Your Investments,” shares important, current information about investment diversification and the hypothetical nature of illustrations in this statement.

Quarterly Account Statement Major Points: Spreading your assets among different types of investments may help you achieve a favorable rate of return, while minimizing your overall risk of losing money. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerance levels for risk. It is important to periodically review your investment portfolio, your investment objectives, and the investment options made available in your GuideStone plan. Mutual funds, like those available through your retirement plan with GuideStone, generally provide a certain level of diversification by investing in various individual securities from different companies.

Quarterly Account Statement The illustrations presented in this statement are hypothetical in nature.

Page 4: Did you know? Retirement Account Contributions By Source Quarterly Account Statement Page 4: Did you know? Retirement Account Contributions By Source This section takes each of your retirement plans and gives you details about activity for the quarter.

Quarterly Account Statement “Church Retirement Plan.” — If you have activity in other plans, they will be listed separately. In this example, we’re looking at activity in the Church Retirement Plan. “Did you know?” — GuideStone Property and Casualty gives your church comprehensive ministry protection? Message changes each quarter.

Quarterly Account Statement This summary shows your contributions and investment gains or losses for the quarter.

Quarterly Account Statement Main Points: Employee contributions Employer Contributions State convention (if applicable)

Page 5: Retirement Account Diversification Quarterly Account Statement Page 5: Retirement Account Diversification Account Activity by Investment Messages About Your Plan This section addresses how you are invested. It provides illustrations by fund(s) and by asset class.

Quarterly Account Statement “Diversification of your retirement account takes place as you invest in different types of asset classes such as stocks, bonds and cash. Investing in more than one asset class may help reduce your risk while still providing for potential growth of your account. However, diversification does not ensure a profit nor protect against a loss. Each GuideStone fund is made up of investments in one or more asset classes. Holdings of less than 1% are not reflected in the charts.” While this example shows the participant investing in only one fund (first pie chart), because it is an asset allocation fund, the participant is diversified (second pie chart).

Quarterly Account Statement While your statement shows dollar amounts, you actually own shares in the listed funds until you sell them or move from one fund to another.

Quarterly Account Statement Each quarter there will be different messages related to your retirement plan. It is important to read these and be aware of information that may influence your investment decisions.

Page 6: Words To Live By Quarterly Account Statement Sermon notes from O.S. Hawkins.

Quarterly Account Statement