1. Your Retirement. Get There One Step At a Time. GUIDE TO PLAN ENROLLMENT 99-0911-0413

2. ADP Retirement Services | Automatic Data Processing, Inc. (ADP) is a strong, stable partner Almost 1.4 million retirement plan participants 2 More than 35,000 retirement plan clients 2 Considered a World’s Most Admired Company by Fortune Magazine 3 Over 40 billion in assets under administration 2 1 Source: ADP, Inc. as of June 2012 (Annual Report). 2 Source: ADP Retirement Services as of December 2012. 3 Source: Fortune Magazine’s “Most Admired Companies” (2013). About us. 2

3. CHOOSE HOW YOU WANT TO GET THERE Your plan investments PLAN FOR WHAT’S AHEAD Saving strategies for today and tomorrow START MOVING IN THE RIGHT DIRECTION Create your retirement plan Enroll in the plan

4. ADP Retirement Services |4 Plan for what’s ahead Think about your retirement lifestyle – what would you like to do? – will you continue working? Decide when you want to retire Consider your potential life expectancy Plan for what’s ahead.

5. ADP Retirement Services |5 Risk considerations – life expectancy If you live to age 65… age 82.8 men (17.8 yrs) age 85.4 women (20.4 yrs) Source: Centers for Disease Control and Prevention, National Vital Statistics Reports Volume 61, Number 6. United States Life Tables (preliminary) 2011. Plan for what’s ahead.

6. ADP Retirement Services | Plan for what’s ahead. Where will your retirement paycheck come from? A – Social Security B – My personal savings, like my 401(k) plan C – I’m going to win the lottery D – I plan to continue to work in retirement

7. ADP Retirement Services |7 The Social Security benefit Social Security may not be enough Plan for what’s ahead. If you currently earn… Estimated Monthly Social Security benefit $25,000$1,088 $35,000$1,341 $45,000$1,593 $55,000 or more$1,845 Source: Social Security Administration. Benefit in 2013 dollars. Assumes full retirement age of 67

8. ADP Retirement Services |8 Plan for what’s ahead. Plan benefits Tax-advantaged saving Convenient, automatic payroll deductions A variety of investments An account you can take with you

9. ADP Retirement Services | Plan information. Plan provisions Plan eligibility: 21 years of age on the next plan entry date; You must have completed 3 months of service by the next plan entry date. Contribution types: Pre-tax, Roth Plan maximum: 1% to 90% of your compensation LOANS Number of loans outstanding at any one time: 1 Minimum loan amount: $500 Maximum repayment period: Generally, 5 years, unless for the purchase of a primary residence. Interest rate: Prime + 2% 9

10. ADP Retirement Services | Plan for what’s ahead. How much can you save in your plan in 2015?* $18,000 ($24,000 for those age 50+) *Subject to plan maximums.

11. ADP Retirement Services |11 Plan for what’s ahead. You decide: Roth or Traditional 401(k) *Tax law requirements must be met. ADP Retirement Services is not a financial, legal or tax advisor and nothing contained in this communication is intended to be, nor should be construed as, advice or a recommendation for a particular investment savings option. Questions about how laws, regulations and guidance apply to a specific plan should be directed to your plan administrator or legal or tax advisor. Traditional 401(k)Roth 401(k) Employee ContributionsBefore-tax dollarsAfter-tax dollars Account Growth (earnings)Tax-deferred until distributionTax-free at distribution (if distribution is qualified) Federal TaxReduces current taxable income by contribution amount Taxes paid at withdrawal Contribution is taxable in current year No taxes due on qualified withdrawals* DistributionsAvailable at age 59½Tax-free, provided you had the account for at least five years and you are: at least age 59½, or are disabled or deceased

12. ADP Retirement Services |12 Plan for what’s ahead. Starting now can pay off This hypothetical illustration assumes pre-tax contributions made at the beginning of each month and an annual effective rate of return of 8% and reinvestment of earnings. Start now assumes the contributions are invested for 40 years; Wait 10 years assumes contributions are invested for 30 years. Results are for illustrative purposes only and are not meant to represent the past or future performance of any specific investment vehicle. Investment return and principal value will fluctuate and, when redeemed, the investment may be worth more or less than its original cost. Taxes are due upon withdrawal. Withdrawals taken prior to age 59½ may be subject to a 10% tax penalty. A plan of systematic savings does not ensure a profit or prevent a loss in a declining market. $200 monthly investment Start now Contribute for 10 years $400,138 Wait 10 years Contribute for 30 years $298,072

13. ADP Retirement Services |13 Plan for what’s ahead. Save Smart ® can help you get there 10 years20 years30 years 5% contribution$33,081$106,334$264,482 + 1% annual Save Smart increase$21,357$81,023$209,839 Total account balance$54,439$187,375$474,318 For illustrative purposes only, not indicative of any specific investment type. Assumes a $40,000 annual salary, 8% annual rate of return, 3% annual salary increases and 1% Save Smart annual investment increases for 5 years. A plan of systematic investing does not ensure a profit or prevent a loss in a declining market. Subject to plan and IRS maximums. Save Smart increases are available for pre-tax contributions only.

14. CHOOSE HOW YOU WANT TO GET THERE

15. ADP Retirement Services | Choose how you want to get there. What’s your planning style? Style 1 I like the convenience of choosing one fund for my investment. I’m not comfortable making investment decisions. I have a specific retirement age in mind. I want to reduce investment risk as I get older. Style 2 I prefer a do-it-yourself investing approach. I am comfortable making investing decisions. I enjoy learning about investing and managing my accounts myself. 15

16. ADP Retirement Services |16 Choose how you want to get there. Target retirement date funds Select your retirement date Allocation becomes more conservative over time No rebalancing required Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice. The underlying mutual funds in the portfolios of asset allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less than its original cost. The target date of a target date mutual fund is the approximate date when an investor plans to begin withdrawing their money from the fund. The principal value of a target date fund is not guaranteed at any time, including at the target date. The underlying mutual funds in the portfolios of asset allocation funds are subject to stock market risk and invest in individual bonds whose yields and market values fluctuate, so that your investment may be worth more or less than its original cost. SAMPLE TARGET RETIREMENT DATE FUND ALLOCATIONS

17. Personal Investor Profile (Page 5 Kit) ADP Retirement Services |17

18. Create your retirement plan. Create your own asset allocation ADP Retirement Services |18 Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.

19. START MOVING IN THE RIGHT DIRECTION

20. ADP Retirement Services |20 Start moving in the right direction. Open your retirement account Open your account Designate an account beneficiary Track your progress using the account resources: –www.mykplan.com –1-800-695-7526 Take the first step and enroll today.

21. ADP Retirement Services |21 Review your balance Education and planning resources Account at a glance page

22. ADP Retirement Services |22 Increasing your contribution rate your account Web site overview. Change your contribution rate

23. ADP Retirement Services |23 Selecting your investment allocation your account Web site overview. Change how your future contributions are invested

24. ADP Retirement Services |24 Review your balance Web site overview. Account at a glance page

25. ADP Retirement Services |25 Retirement Savings Tool Education and planning resources Easy access from the home page by clicking on “Use our tool to find out” The Retirement Savings Tool (RST) is provided for educational purposes only. Income projections and other information generated by the RST are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results. Plan participants should not rely on RST as the primary basis for their investment, financial, or tax planning decisions. Plan participants should consult with their tax advisor or investment professional. ADP cannot guarantee or assure a plan participant’s ability to meet any of their goals or that any hypothetical results actually will occur. The RST simply uses participant information and the assumptions selected to provide a rough assessment of the likelihood that their hypothetical results may be achieved.

26. ADP Retirement Services | Roll a previous retirement plan into your current plan Allow your savings to continue to grow tax-deferred Consolidate accounts and simplify planning Protect savings from taxes, withholding and penalties that would apply if you took a distribution Take in-service distributions, such as a loan (if available) Get help with your rollover Email: dounia.safi@adp.com Move a previous retirement plan.

27. ADP Retirement Services | Please write this information down if you would like to enroll after the meeting: https://www.mykplan.com/enroll Plan number: 686739 Passcode: MBQ2TD Passcode valid:5/04/2015 You may also enroll online at www.mykplan.com at any time Start moving in the right direction.