1. Petroleum Transport, Inc. 401(k) Plan Education Seminar
Presented by: Al Pineiro

2. Today’s Agenda Plan Information Importance of Saving
Investing Principles
Investment Options
Account Access and Enrollment

3. Plan Information

4. Available on the Education Center at www.retirementdirections.com
Plan Information
Please refer to the plan highlights sheet for information about eligibility, contributions, etc.
Available on the Education Center at

5. Plan Information Entry date for eligible employees
- 1 year of service and 21 years of age.
Enrollment
- Processed semi-annually (January 1 and July 1). SmartPlan tutorial will guide you through the enrollment process! Simply go to and click on the “First Time User” box on the left side of the screen. Your Social Security number without dashes will be your initial User ID and the month and day of your birthday (no year, MMDD) will be your initial password.
Employee Contributions
1% – 100% pre-tax up to IRS limits (limit set yearly by IRS).
Catch-up Contributions
- Participants age 50 and older can contribute an additional amount (limit set yearly by the IRS). 5

6. Plan Information 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 0% 20% 40% 60% 80% 100%
Rollovers
- Permitted any time.
Employer Contributions
- Discretionary match.
Vesting
- Refers to ownership. You are always 100% vested in your contributions. Your employer’s contributions will follow the vesting schedule below:
1 Yr
2 Yr
3 Yr
4 Yr
5 Yr
6 Yr 0%
20%
40%
60%
80%
100% 6

7. Importance of Saving for Retirement

8. Importance of Saving Consider saving for retirement as a necessity.
Look at saving for retirement like an expense, such as student loans, rent, etc….
Don’t get discouraged. No matter what age, it is never to early or to late to begin preparing for retirement.
Use the 1% Method
Anniversary of your hire date
Birthday
Each January
Annual raise

9. Investing Principles

10. Investing Your Money
Asset Allocation — How you divide your investment dollars among the three different asset classes (stocks, bonds, and cash), expressed in percentage terms.
Diversification — Spreading your investment dollars among different investments to reduce the risk of loss in any one. 10

11. Investment Strategies
Your 401(k) Plan gives you the opportunity to invest in a variety of mutual funds.
Mutual Funds allow you to potentially invest in more securities within each asset class than you could on your own
Your mix of stocks, bonds and cash equivalents will have an effect on how your account performs
Cash Equivalents
Stocks
Bonds
RISK 11

12. Investment Options

13. Morningstar® Retirement ManagerSM
Online Advice Tool
Morningstar® Retirement ManagerSM 13

14. Investment Profile Quiz
The investment profile quiz will help you determine how much to invest in each of the investment categories.
Large Cap
Mid Cap
Small Cap International
Bonds
Stable Value
Available on the education center at

15. Account Access

16. Account Access

17. Account Access
Logging in to your account for the first time: User ID: SSN Without Dashes Password: Month & Day of birthday – MMDD (no year)

18. Account Access
Anyone looking to enroll in the plan can use the SmartPlan video-based guide to walk them through the enrollment program.

19. Account Access
You can use SmartPlan at any time, even after you have enrolled in the plan.

20. Account Access

21. Account Access
Make changes to your account including a fund-to-fund transfer, rebalancing, and fund election changes.

22. Account Access

23. Account Access
Input or change your beneficiary

24. Account Access
Utilize the Morningstar Retirement Manager if you want help picking the investment options. It provides you with investment advice! 24

25. Account Access
Free!
Quarterly Fee

26. Easy Three-Step Online Process to Enroll/Receive Recommendations
Account Access
Easy Three-Step Online Process to Enroll/Receive Recommendations
Home
Get Started
Step 1
Confirm Your Information
Step 2
Review Your Strategy
Step 3
Finalize Your Strategy
The interface is designed to be easy to use and you can receive personalized recommendations in an easy 3 step process. From the home page, simply click Start to get started.
In the first step - Confirm Your Basic Data- you can confirm your information and make changes as necessary.
In the second step – Review Your Strategy - you can receive an assessment of your overall strategy as well as the individual components of each strategy (goals, risk, savings, investments, and company stock). The assessment comes in the form of the unique Morningstar star rating in which the overall strategy and its components receive a star rating for the current strategy and proposed strategy.
In the third step – Confirm and Finish - you will receive and confirm your investment recommendations and will be able to transmit your changes back to PNC.
Add/Edit Personal Information:
Retirement Account Details
Spouse/Partner Information
Additional Accounts/Income Sources
Risk Level
Edit Assumptions for:
Retirement Income Outlook
Contribution Rate
Balance in Company Stock
Asset Mix/Risk Level
Investment Selections

27. Account Access
Tutorials
ICharts
Articles
Calculators
Worksheets

28. Account Access
PNC Customer Service Center: PNC Retirement Directions Mobile App:
View only access to your retirement account on your android or iphone!

29. Conclusion
Questions?
PNC’s Customer Service Group is available 8:00 AM to 10:00 PM Monday through Friday and can answer any questions that you may have.

30. Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value. .
The material presented in this video is of a general nature and does not constitute the provision by PNC of investment, legal, tax or accounting advice to any person, or a recommendation to buy or sell any security or adopt any investment strategy. The information was obtained from sources deemed reliable. Such information is not guaranteed as to its accuracy. The opinions of PNC professionals expressed herein are subject to change without notice. The opinions expressed by persons who are not PNC professionals are their own opinions and not the opinions of PNC. You should seek the advice of an investment professional to tailor a financial plan to your particular needs. For more information, please contact PNC at
The PNC Financial Services Group, Inc. (“PNC”) uses the service marks “PNC Wealth Management”, “PNC Institutional Investments” and “Hawthorn PNC Family Wealth” to provide investment and wealth management, fiduciary services, FDIC-insured banking products and services and lending of funds through its subsidiary, PNC Bank, National Association, which is a Member FDIC, and uses the service marks “PNC Wealth Management” and Hawthorn PNC Family Wealth” to provide certain fiduciary and agency services through its subsidiary, PNC Delaware Trust Company. Brokerage and advisory products and services are offered through PNC Investments LLC, a registered broker-dealer and investment adviser and member of FINRA and SIPC. Insurance products and advice may be provided by PNC Insurance Services, LLC, licensed insurance agency affiliates of PNC, or by licensed insurance agencies that are not affiliated with PNC; in either case a licensed insurance affiliate will receive compensation if you choose to purchase insurance through these programs. A decision to purchase insurance will not affect the cost or availability of other products or services from PNC or its affiliates. PNC does not provide legal, tax or accounting advice.
Investments: Not FDIC Insured. No Bank Guarantee. May Lose Value. . 30