start saving

with three easy steps

123
Decide Choose Get started

Guide to Your Retirement Plan

Epharmalearning, Inc 401(k) Profit Sharing Plan and Trust
save for tomorrow
benefit today

Epharmalearning, Inc 401(k) Profit Sharing Plan and Trust

This plan is one of the most valuable employee benefits your company offers
because it provides a convenient, tax-advantaged way to save for your
retirement. Take a few minutes to read through this booklet, then follow the 3
easy steps to start saving for your future.

It’s likely you’ll need to save a substantial amount to replace your salary in your
retirement years, and it’s up to you to save enough for your future financial
security. By participating in the plan, you can benefit from:

● Current income tax breaks today. ● An easy way to choose plan investments.
Saving through the plan lowers the amount of How the money you save is invested is up to you.
income tax the government takes from You can either create your own portfolio allocation
your paycheck. from your fund listing or create your asset allocation
with just one fund —by selecting one of the
● Maximized growth through tax-deferred professionally managed, pre-mixed diversified
earnings. investment options that match your
You don’t pay taxes on your savings or earnings retirement goals.
until you begin making withdrawals.
● Plan services that make saving easier.
● Convenient payroll deductions. Your plan offers account management features that
Deposits are made to your account directly and can make your retirement planning easier.
automatically from your paycheck.
● An account you can take with you.
You may rollover eligible assets from a previous
employer into the plan, and should you leave the
company, your vested balance is yours to take
with you.

You Can Afford To Save

Your plan contributions are deposited into your account
before taxes are deducted from your salary. With this
tax break, it costs you less to contribute so you can
afford to save more than you think.
 Three easy steps

Decide
123
how much to save

is an important step in
Choose
your investment
approach

Deciding on a savings goal Understanding the various

types of investments can
Get started
today

Your plan makes it easy to

start saving for your future
planning for your retirement. help you decide where financial security.
and how to invest your
contributions.

Ready to enroll?
Go to Step 3 to find out how to get started saving now.
04-3014

1
decide how much to save
Replacing your salary
Deciding on a savings goal can be overwhelming, but it is an
important step in planning for your retirement. Experts believe
you’ll need between 70% - 90% of your current income annually
to replace your salary once you stop working.* However,
depending upon your anticipated plans for your retirement, you
may want to save more.

You should calculate your retirement savings goal so you can

1
much as you can to take full advantage of the tax savings your
plan offers.

Those age 50 or over, may be eligible to save even more through

catch-up contributions, which allow you to save an additional
$5,500 (2010) in your plan.

A smart way to save more

You may also elect Save Smart®, an account management
determine how much to contribute. For help, go
feature that can help you save more for your retirement and
to www.mykplan.com to access retirement planning tools,
manage your account more easily by allowing you to save
calculators, and information for all levels of investors.
gradually over time —as you can afford to. It lets you
Remember to review your account regularly to ensure you’re on
automatically increase your pre-tax plan contribution by 1, 2, or
track for meeting your retirement savings goal.
3% annually on the date you choose—such as in the month you
expect to receive your annual salary increase.
Your plan contributions
Your plan allows you to contribute to your account on a pre-tax * Social Security Administration
basis (up to specified limits).You should consider contributing as

Start saving as early as you can Michelle starts now

Contributions for 10 years
How much you save year after year will have the greatest impact on $400,138
your account balance at retirement—and when you start saving is a Steve waits 10 years
close second. Michelle and Steve each saved $200 each month. Contributions for 30 years
Michelle started saving at age 25 and contributed for 10 years,
leaving her money in the account to compound until she retired at $298,072
age 65. Steve waited to start saving until age 35 and made
contributions for 30 years. By starting 10 years earlier, Michelle’s $376,138
account grew to over $100,000 more than Steve’s at retirement, $226,072
while she contributed $48,000 less.

Social Security $24,000 $72,000

Social Security will provide just a fraction of the income
Earnings Contributions
you’ll need to replace in retirement—the rest will come
from your savings, working, or other sources. To get a For illustrative purposes only, results may vary. The investments are not
reflective of any specific fund in your plan. Assumes an 8% rate of return and
better idea of your estimated Social Security benefit, the reinvestment of earnings. A plan of systematic savings does not ensure a
go to www.ssa.gov or call 1-800-772-1213. profit or prevent a loss in a declining market.

2
 When my company first introduced our retirement plan, I wanted to save, but didn’t
think I could stretch my paycheck any further. But with the tax benefits of saving
through the plan, I found that I could put away some money for my retirement and it
didn’t change how much I took home in my paycheck all that much. – Rob, age 26

Reduce your income taxes today

Think you can’t afford to save? You can’t afford not to. When you
save pre-tax, your plan contributions are deposited into your
account before taxes are deducted from your salary. And with
this tax break, it costs you less to contribute so you can afford
to save more than you think.

In the chart to the right, you can see the advantage of making
contributions from your pay before it is taxed. Notice that the
out-of-pocket amount is less than the amount you would be
contributing to the plan.
Pre-tax saving
It costs less than you think to
Potential growth through save for your retirement
tax-deferred earnings
You don’t pay taxes on your savings or the interest it earns until
you begin making withdrawals. At that time you’ll be taxed at Annual Salary: $30,000 Tax Bracket: 15%
your applicable tax rate, which may be lower than your current
rate. Why? Because in your retirement years, you either may
not be working or you may be working just part-time. This tax- Pre-tax 2% 4% 6%
deferral may also allow your balance to compound faster, Contribution Rate
because you keep more money in your account and working for
you now. Weekly Plan
$ 11.54 $ 23.08 $ 34.62
Contribution

Weekly Tax $ 1.73 $ 3.46 $ 5.19

Savings

Weekly Out-of-Pocket $ 9.81 $ 19.62 $ 29.43

Amount

Annual Contribution $ 600 $ 1200 $ 1800

Annual Tax Savings $ 90 $ 180 $ 270

Account Balance $ 75,015 $ 150,030 $ 225,044

30 Years

This chart is for illustrative purposes only. This example assumes

an 8% annualized rate of return, compounded monthly.
04-3014

3
 choose your investment approach

Understanding and balancing risk

All investments carry some risk. Most people think of risk as the chance their investment will lose money. But
if you invest only in those lower risk investments they may not give you the returns you need to reach your
goals. Understanding the types of investment risk can help you decide how to invest your savings.

Market risk is the change in value of your investment in response to market conditions. Sometimes the value of
an investment is up, sometimes it is down. Market risk may be a reason to consider a more conservative
investment strategy. Inflation risk is equally important. It is the risk that your money will not maintain its
purchasing power over time. Inflation risk may be a reason to consider a more aggressive
investment strategy.

Generally, the more risk an investment carries, the Invest regularly. Making regular contributions is a
greater the potential for a higher return, and the less smart and easy way to invest. Each contribution buys
risk, the lower the potential return. Fortunately, there shares in your investments—some at lower prices and
are ways you can balance your risk: some at higher prices. Over time, this process, dollar
cost averaging, could lower the average purchase
Diversify. Spreading your money across different price of your investment.
types of assets (stocks, bonds, and stable
value/money market investments) can reduce your Invest for the long term. Once you’ve created the
overall risk because often different kinds of right diversified investment mix, stay with it — and
investments do not perform the same way at the keep it balanced. Your investment strategy should
same time. For example, when one type of take into account your age, years to retirement and
investment is up, another may be down. tolerance for risk. You should re-review this strategy
when you make life changes or as you are nearing
Put time on your side. Getting started today can retirement, but for the most part, maintain it over the
increase your chances of accumulating more savings long term. Remember, you can keep your account
for your retirement due to the compounding of your balanced using the Automatic Account
contributions and the earnings on those contributions. Rebalancing feature.
Starting sooner also can allow you to invest
more aggressively. Diversification does not guarantee a profit or protect
against a loss in a declining market. There is no
guarantee that your balance will increase over time.

I don’t know much about investing or the stock market, and I don’t
have the time do the research, so I choose to use one of the pre-mixed
investment options offered in my plan. It made deciding how to invest
for retirement easy, and I feel comfortable knowing that my money is
invested as it should be — according to my age and investor profile.
- Fran, age 31

4
 2
Two ways to invest
A complete list of your plan investment options
appears in the Performance Summary. To invest your
contributions, choose the approach you feel is best
Personal Investor Profile
Answer the following to determine
your investor profile.
Investor Profile Score
Match your investor profile
score to one of the sample
portfolios below:


for you: Risk Tolerance
KEY A-D
Professionally managed, diversified pre-mixed
1 = Strongly Disagree 4 = Agree
investment options.
2 = Disagree 5 = Strongly Agree

HIGH
This simple approach lets you create a diversified
3 = Neutral
asset allocation through just one investment option.
 5% Income
Circle
Each of these funds is broadly diversified across
68% Growth
Score
27% Aggressive
asset types. Simply choose either the fund with the Score
A I’m willing to risk short-
date closest to the date you plan to retire or the risk- term loss for a potentially Range:
Growth
based fund with the allocation that most closely higher long-term total gain. 12345
reflects your investor type, whichever fund type your 23-30
plan offers. B Earning higher long-term
returns to allow my money
If you choose this approach, skip to Step 3 to get to outpace inflation is one
of my most important
started saving today! investment objectives. 12345

Build your own investment mix. C I’m willing to tolerate sharp 40% Income
43% Growth
Risk/Reward Potential
up and down swings in the
When building your own investment mix, remember
17% Aggressive
value of my investments for
it’s important to spread your savings among different a potentially higher return
investments. A diversified allocation can help smooth than I might expect from Growth
the ups and downs of market cycles. Experts more stable investments. 12345 14-22
consider account allocation to be one of the most
D I do not expect to with-
important decisions you can make in your draw money from my
retirement planning.* retirement savings within
the next five years. 12345
Take a look at the sample asset allocation models on
this page. Complete the Personal Investor Profile 60% Income
questionnaire to help you decide how to allocate your Time Horizon 29% Growth
plan savings among the different investment types. KEY E-F 11% Aggressive
1 = 0-4 years 4 = 15-19 years Growth
*Ibbotson, Roger G. and Paul Kaplan, "Does Asset Allocation Policy 2 = 5-9 years 5 = 20+ years 6-13
Explain 40 Percent, 90 Percent or 100 Percent of Performance?" 3 = 10-14 years
Financial Analysts Journal, Jan./Feb. 2000
E Number of years until I
expect to take distributions
from my retirement plan. 12345
LOW

F Number of years until

I plan to retire. 12345 75% Income
18% Growth


Your Score  7% Aggressive

(Total the circled numbers.) Growth

This example portfolio is hypothetical, used for

illustrative purposes only.
04-3014

5
 I thought saving for my retirement would be overwhelming, but my plan made
it really easy for me to get started. It was easy to understand what my plan
offered and I had access to the information and resources I needed to make
decisions about my retirement. I feel better knowing that I am planning for
my future. – John, age 27

get started

3
Start saving today
It’s easy to start saving for your future financial security. Just follow
these steps:

● Review the information provided in this guide and either complete

any necessary forms or follow the enclosed instructions to start
saving for your future today.
● Submit your completed beneficiary designation forms to
your employer.

Stay on track
Once you have enrolled in your plan, you will have a number of easy
and convenient ways to review your account, make changes, and
get help:

● Quarterly Retirement Savings Plan Account Statement

● www.mykplan.com
● Toll-free Voice Response System

All of these resources can help you manage your account and stay on
track for meeting your future financial goals.

Learn more
Now that you know some basics, you can consider how you would like
to invest for retirement. To learn more, go to www.mykplan.com to
access calculators and tools, get tips on making the most of your plan,
and to brush up on your investment know-how.

6
 Instructions for Web and Voice-Response System Enrollment
(Do not send to ADP.)
Enrolling in your plan is easy. Just follow the instructions below to enroll on the Web or
Voice-Response System. If you choose not to enroll at this time, sign the form on the reverse side
and return to your Plan Administrator.

STEP I. DECIDE HOW MUCH YOU WANT TO SAVE.

Deductions are subject to maximum deferral and contributions limits. Refer to your Summary Plan Description or consult your
Plan Administrator to review plan limits.

401(k) Contributions: ______% of before-tax compensation

Your plan offers Save Smart® which can help you save gradually over time, as you can afford to, to help you meet
your retirement goals. This feature lets you increase your pre-tax contributions by 1, 2, or 3% annually on the date you
choose.
STEP II. MAKE YOUR INVESTMENT ELECTION
A. Use whole numbers (for example: 0%, 3%, 25%, 72%); total must equal 100%.
6Y SSgA Stable Value Fund % 7A SSgA S&P 500 Index Fund %

5I PIMCO Total Return Fund - Class R % 6K Thornburg Value Fund - Class R3 %

5P T. Rowe Price Retirement Income Fund - Class R % 0E Alger Capital Appreciation Institutional Fund - %
Class R
5L T. Rowe Price Retirement 2010 Fund - Class R % 7V Janus Forty Fund - Class R %

5M T. Rowe Price Retirement 2020 Fund - Class R % 0S AllianceBernstein Small/Mid Cap Value Fund - %
Class R
5O T. Rowe Price Retirement 2030 Fund - Class R % 33 First American Mid Cap Index Fund - Class R %

5Q T. Rowe Price Retirement 2040 Fund - Class R % 8W American Century Heritage Fund - Class R %

5N T. Rowe Price Retirement 2050 Fund - Class R % 3M Franklin Small Cap Value Fund - Class R %

1O BlackRock Global Allocation Fund, Inc. - Class R % 0J AllianceBernstein Small Cap Growth Portfolio - %
Class R
3K Franklin Templeton Moderate Allocation Fund - % 7D SSgA International Index Fund %
Class R
1L BlackRock Equity Dividend Fund - Class R % 6J Thornburg International Value Fund - Class R3 %

TOTAL 1 0 0 %

B. You may elect automatic Account Rebalancing to help maintain the long-term investment strategy you decide is appropriate for
meeting your savings goals. Once you’ve created your asset allocation, automatic Account Rebalancing can rebalance your account
as often as you choose: quarterly, semi-annually, or annually.
7
EN_WKST 106 01-SHELL 673317_REENROLLWKSHTSM_09/08/10 continued on back ➔
IInstructions
nstructions ffor Web
or Web aand
nd Voice-Response
Voice-Response System
System Enrollment,
Enrollment, continued
STEP
S TEP IIII. ENROLL
II. ENROLL

➯Please
ð Please hhave
ave yoyour
ur SoUser
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Log on:
Log on: OR
O R Call:
Call:
www.mykplan.com
<Web site> (if available)(if available) 1-800-mykplan(1-800-695-7526)
<Vanity Phone Number> <Phone Number>

➯Enrolling
ð Enrolling wwith
ith nono
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first time, please PINathat
use on
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mail Social Security
to enroll.
Identification Number Number
(PIN), whichas your user
consists of theIDlast
and thedigits
four last of
4
digits of your Social Security Number as your password. You will then be required to establish a unique user ID and
your Social Security Number.
password. To enroll for the first time through the VRS, use the last four digits of your Social Security Number as your
``one-time`` Personal Identification Number (PIN).
➯ Enrolling with an existing account balance:
ð Enrolling with an existing account balance:
Use your current four-digit PIN to enroll in the Plan if you have an existing account balance in your company's Plan due to a
Use your current password
rollover/employer to enroll
non-elective if you have
contribution. an account
Choose balanceofinpay
the percentage your Plan
you due
wish to to a rollover/employer
contribute by electing anon-elective
contribution rate
contribution.
and your desired investment allocation.

Once
Once you haveaccessed
you have accessed youryour account,
account, enter enter the information
the information in Steps
in Steps I and I and
II of this form.II A
ofconfirmation
this form. number
A confirmation
will be issued
number will be issued and a confirmation letter will be sent
and a confirmation letter will be sent to you within two business days. to you within two business days.
Once you have enrolled, you'll also want to keep your beneficiary designation information up to date. Please seuitbhm
eritsyuobumr it a
completed Beneficiary Designation Form. or designate you r beneficiary online.
Once you have enrolled, you’ll also want to keep your beneficiary designation information up to date. Please submit
your completed Beneficiary Designation Form.
Congratulations!
Please review the fund prospectuses before choosing your investments. Prospectuses provide complete information about the funds,
Congratulations!
including fees and expenses. Visit the Web site (if available) or see your Plan Administrator to obtain fund prospectuses.
Please review the fund prospectuses before choosing your investments. Prospectuses provide complete information about the funds, including
fees and expenses. Visit the Web site (if available) or see your Plan Administrator to obtain fund prospectuses.

Decline Enrollment Form

(Do not send to ADP.)
STEP I. TO DECLINE ENROLLMENT, COMPLETE THIS FORM AND RETURN TO YOUR PLAN ADMINISTRATOR.

!!!-!!-!!!!
Social Security #:

Employee Name:
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Last, First, Middle

Address:
!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!
Street Apt. # / PO Box #

!!!!!!!!!!!!!!!!!! !! !!!!!-!!!!
City State Zip Code

❑ I decline enrollment and have made no contribution elections.

Signature of Employee Date

8
EN_WKST 106 01-SHELL 673317_REENROLLWKSHTSM_09/08/10
<PDLPAPNroNtA
A otM
ypEe>Plan BENEFICIARY DESIGNATION FORM - 205

!!!-!!-!!!!

*BENEF*
Social Security #:

Employee Name:
!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Last, First, Middle

Current Marital Status: ! Single ! Married ! Divorced ! Legally separated or abandoned

(Must provide court order to Plan Administrator)
Return thisRfeotrum
rntoth: isADP
formNJ
to CRS,
the PP.O.
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dmi13399,
nistratoNewark,
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Return this form to the Plan Administrator. DO NOT SEND TO ADP.
I BENEFICIARY INSTRUCTIONS
The Beneficiary Designation Form is used to designate the recipient of your account balance upon your death. This form must be completed by all
employees when completing the Enrollment Form or Rollover Form (if not previously enrolled).
Section II. A primary beneficiary must and a secondary beneficiary may be designated. If you are married, your spouse must be the sole primary
beneficiary, unless your spouse approves otherwise and signs the waiver below. If the primary beneficiary(ies) predeceases you, the
secondary beneficiary(ies) will receive the account balance. You must attach an additional beneficiary form(s), if you elect to designate more
than two primary and/or more than two secondary beneficiaries. Please ensure all primary beneficiaries' benefit percentages total 100%.
Also, ensure all secondary beneficiaries' benefit percentages total 100%. Please note that a Joint Primary Beneficiary can be the same
person named as the secondary beneficiary. Sign and date the form upon completion.
Section III. If you are legally married and have chosen a primary beneficiary other than your spouse, Section III must be completed and notarized.
II BENEFICIARY DESIGNATION
Primary Beneficiary

SSN#: !!!-!!-!!!! SSN#: !!!-!!-!!!!

Name: ________________________________________________________________ Name: ________________________________________________________________
Last, First, Middle Last, First, Middle

Address: ________________________________________________________________ Address: ________________________________________________________________

Street Apt. # / PO Box # Street Apt. # / PO Box #

________________________________________________________________ ________________________________________________________________
City, State, Zip City, State, Zip

Relationship: ________________________________________________________________ Relationship: ________________________________________________________________

Birth Date: ______________________________________

Month Day Year
!!! % Birth Date: ______________________________________
Month Day Year
!!! %
Secondary Beneficiary

SSN#: !!!-!!-!!!! SSN#: !!!-!!-!!!!

Name: ________________________________________________________________ Name: ________________________________________________________________
Last, First, Middle Last, First, Middle

Address: ________________________________________________________________ Address: ________________________________________________________________

Street Apt. # / PO Box # Street Apt. # / PO Box #

________________________________________________________________ ________________________________________________________________
City, State, Zip City, State, Zip

Relationship: ________________________________________________________________ Relationship: ________________________________________________________________

Birth Date: ______________________________________

Month Day Year
!!! % Birth Date: ______________________________________
Month Day Year
!!! %
If none of my designated beneficiaries are living at the time of my death, or I have not designated a beneficiary, then any distribution of my plan accounts
shall be payable to a default beneficiary or beneficiaries in accordance with the terms of the plan. If any primary or contingent beneficiary dies before
me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be
increased on a pro rata basis. If no primary beneficiary survives me, the contingent beneficiary(ies) shall acquire the designated share of my plan
balance.

Signature of Employee/Participant Date

III SPOUSAL CONSENT (Do not complete if your spouse is the sole beneficiary.)
I hereby consent to the above designation by my spouse of a beneficiary other than me under the Plan and I understand that my spouse's election is not
valid unless I consent to it, and that my consent is irrevocable unless my spouse revokes the election. I have read the instructions above and understand
that by consenting to the above designation, either (i) no benefit from the Plan will be payable to me upon my spouse's death or (ii) only a partial benefit
from the Plan will be payable to me upon my spouse's death if a Joint Primary Beneficiary Designation was elected above.

Signature of Spouse Date

Acknowledgment of Witness:
I hereby acknowledge that __________________________________________________, to me known personally, appeared before me on the _______
day of ________________(mo), __________(yr) and subscribed his/her name above and acknowledged to me that he/she did so as his free and
voluntary act and deed for the uses and purposes set forth in this beneficiary designation form.
Notary Public for the State/Commonwealth of: _________________________________________________ Affix Seal Here
My commission expires:_______________________________ County of: ___________________________

Recordkeeping Plan #:
!!!!!!
1 2 3 4 5 6
9
04-1755-115 FP 673317_BENEDESFORM_09/08/10
10
Epharmalearning, Inc 401(k) Profit Sharing Plan and Trust ROLLOVER FORM – 280

Social Security #:
- -
Employee Name:
Last, First, Middle
Address:
Street Apt. # / PO Box #

City State Zip Code

-
Birth Date:
Month
- Day
- Year
Hire Date:
Month
- Day
- Year

I ROLLOVER INSTRUCTIONS
The Rollover Form is used to invest prior plan money in your Plan account. The rollover must be completed within 60 days of receipt of the distribution, come
from another employer’s plan or an IRA and represent all or a portion of a lump sum distribution, or an installment distribution of less than ten years. In the
context of a direct rollover, in which the funds are never actually made payable to you, the 60-day period for completing a rollover is inapplicable.
Section II.A. Check (ü) the appropriate box to identify the source of this Rollover.
Section II.B. Identify the total amount of the rollover. A certified or bank check must accompany this form for the stated dollar amount. Pre-printed checks
are required. Handwritten checks will be returned to the Plan Administrator. Please include your Social Security Number and Plan Number on
the check made payable to JPMorgan Chase Bank.
Section III. Read the acknowledgment, and then sign and date the form.

Note: If you have not previously enrolled in the Plan, you must complete a Beneficiary Form and give it to your Plan Administrator. Do not send to ADP.
II ROLLOVER AMOUNT/SOURCE
A. This rollover is a distribution from:
o Individual Retirement Account o SIMPLE IRA (IRA must be in existence for at least 2 years) o §457 Plan o §403(b) Tax Sheltered Annuity
o Qualified Plan of (check one): o an Unrelated Employer o a Related Employer
Note: If you do not check a box, we will understand you have certified that the rollover is from an unrelated employer.
B. Select rollover type:
o Before-Tax 401(k) $ .
TOTAL ROLLOVER AMOUNT

Note: This Plan does not accept rollovers of after-tax contributions.

III ACKNOWLEDGMENT, ROLLOVER INVESTMENT DIRECTION AND SIGNATURE
I have read and understand the Summary Plan Description, have completed the Beneficiary Form if I have not previously enrolled in the plan, and agree to be
bound by the provisions of the Plan. I have also reviewed a current prospectus and description of each of the funds, and understand the objectives, risks,
expenses and charges associated with each. I certify that:
l I received the distribution from the source indicated above within the last 60 days (60-day requirement not applicable in the case of a direct rollover).
l The rollover is from the rollover source indicated above and has not been combined with any money that would disqualify the rollover.
l No portion of this rollover contribution represents amounts received as a hardship distribution from an employer plan.
If I do not yet have an account balance under the Plan, I understand that one will be established to hold my rollover, and I direct that my rollover contribution
be invested initially in the plan default fund. If I do have an account balance under the Plan, I hereby direct that my rollover contribution be invested initially in
accordance with my investment election then on file. I understand that if I do not yet have an account balance under the Plan, once an account is established
to hold my rollover contribution, I may reallocate my account from the aforementioned fund in which it is then invested to another investment option or
investment options available under the Plan by accessing my account through the Voice Response System or Participant Web site. I understand that the
Personal Identification Number needed to access the Web and Voice systems will be sent upon establishment of this account if this account is a new one.
In an effort to prevent short-term trading and market timing, many investment companies have established excessive trading and/or redemption fee policies for
certain investments. ADP Retirement Services, whenever possible, implements the investment company’s market timing policy (please review the fund’s prospectus
for information on a specific fund company’s policies). However, there are instances when ADP Retirement Services may need to implement its own market timing
policy, which could differ from the investment company’s policy, in order to ensure compliance with the fund’s prospectus. Because investment options in your
retirement savings plan may be subject to these policies, please refer to your Plan Participant Web site (or, if the Web site is not available to you, call a Client
Services Representative) for additional information.

Signature of Employee/Participant Date

FOR PLAN ADMINISTRATOR USE ONLY (MUST BE COMPLETED)

Date Received: Plan Administrator Approval:

Company Code: __________________________ _________________________________

Recordkeeping Plan #:
!!!!!!
6 7 3 3 1 7
11
280-126 673317_ENROLLFORMSM_09/08/10
12
Performance Summary For the month ending July 31, 2010
Current performance may be lower or higher than the performance data quoted. For most recent performance, go to www.mykplan.com.

Morningstar Average Annual Total Returns (NAV) Expense Ratio

1
Fund Name/Inception Category Ticker 2
Month QTR3 1 Yr 3 Yr 5 Yrs 10 Yrs4 Net Gross

Income
SSgA Stable Value Fund (08/1990) N/A N/A 0.10% 0.35% 1.54% 2.36% 2.95% 3.47% 0.85% 0.85%
PIMCO Total Return Fund - Class R (12/2002) Intermediate-Term Bond PTRRX 1.45% 2.57% 11.73% 10.46% 7.17% N/A 1.15% 1.33%
Growth & Income
T. Rowe Price Retirement Income Fund - Class R (10/2003) Retirement Income RRTIX 3.80% -4.18% 10.28% 1.22% 3.63% N/A 1.08% 1.08%
T. Rowe Price Retirement 2010 Fund - Class R (10/2003) Target Date 2000-2010 RRTAX 5.03% -6.05% 12.65% -0.88% 3.15% N/A 1.14% 1.14%
T. Rowe Price Retirement 2020 Fund - Class R (10/2003) Target Date 2016-2020 RRTBX 6.06% -8.16% 13.89% -2.96% 2.42% N/A 1.23% 1.23%
T. Rowe Price Retirement 2030 Fund - Class R (10/2003) Target Date 2026-2030 RRTCX 6.93% -9.82% 14.57% -4.59% 1.91% N/A 1.28% 1.28%
T. Rowe Price Retirement 2040 Fund - Class R (10/2003) Target Date 2036-2040 RRTDX 7.16% -10.41% 14.58% -5.03% 1.66% N/A 1.29% 1.29%
T. Rowe Price Retirement 2050 Fund - Class R (12/2006) Target Date 2050+ RRTFX 7.21% -10.43% 14.61% -5.03% N/A N/A 1.29% 1.29%
BlackRock Global Allocation Fund, Inc. - Class R (01/2003) World Allocation MRLOX 4.38% -6.24% 8.33% 0.76% 6.46% N/A 1.55% 1.56%
Franklin Templeton Moderate Allocation Fund - Class R (01/2002) Moderate Allocation FTMRX 4.11% -4.69% 12.06% 1.27% 4.70% N/A 1.53% 1.62%
Growth
BlackRock Equity Dividend Fund - Class R (01/2003) Large Value MRDVX 7.69% -10.54% 11.66% -5.17% 2.62% N/A 1.47% 1.47%
SSgA S&P 500 Index Fund (01/1978) N/A N/A 6.96% -11.57% 13.16% -7.35% -0.80% -1.41% 0.70% 0.70%
Thornburg Value Fund - Class R3 (07/2003) Large Blend TVRFX 6.04% -13.45% 9.59% -6.63% 1.88% N/A 1.35% 2.22%
Alger Capital Appreciation Institutional Fund - Class R (01/2003) Large Growth ACARX 6.22% -13.57% 11.99% -3.05% 5.61% N/A 1.71% 1.71%
Janus Forty Fund - Class R (09/2004) Large Growth JDCRX 6.61% -14.56% 2.73% -2.98% 3.33% N/A 1.43% 1.43%
AllianceBernstein Small/Mid Cap Value Fund - Class R (11/2003) Mid-Cap Value ABSRX 8.22% -12.92% 25.82% -2.22% 2.58% N/A 1.35% 1.58%
First American Mid Cap Index Fund - Class R (11/2000) Mid-Cap Blend FMCYX 6.78% -9.76% 21.75% -2.97% 1.78% N/A 1.02% 1.19%
American Century Heritage Fund - Class R (09/2007) Mid-Cap Growth ATHWX 8.14% -10.91% 18.50% N/A N/A N/A 1.51% 1.51%
Aggressive Growth
Franklin Small Cap Value Fund - Class R (08/2002) Small Value FVFRX 7.26% -11.44% 14.54% -5.17% 0.63% N/A 1.64% 1.67%
AllianceBernstein Small Cap Growth Portfolio - Class R (03/2005) Small Growth QUARX 6.25% -10.18% 20.24% -5.01% 1.17% N/A 1.70% 1.70%
SSgA International Index Fund (11/1993) N/A N/A 9.41% -14.04% 5.48% -10.92% 1.34% 0.65% 0.95% 0.95%
Thornburg International Value Fund - Class R3 (07/2003) Foreign Large Blend TGVRX 7.34% -9.33% 8.64% -6.27% 5.95% N/A 1.45% 2.14%

1 The 7-day yield more closely reflects the current earnings of the Investment Returns and principal value of an investment will fluctuate so that when
money market fund than the total return quotation. an investor's shares are redeemed, they may be worth more or less than the
2 Commingled Funds are not publicly traded mutual funds and are original cost. The returns represent past performance. Past performance is no
not listed in public stock market listings such as the Wall Street guarantee of future results.
Journal. An expense ratio is a fund's annual operating expenses expressed as a percentage
3 Quarter-end returns are for the most recent quarter-end of average net assets and includes management fees, administrative fees, and any
performance. (Quarter-end periods are 3/31, 6/30, 9/30 and 12/31.) marketing and distribution fees. Expense ratios directly reduce returns to investors.
4 10 year or since inception of the fund. The expense ratio typically includes the following types of fees: accounting,
administrator, advisor, auditor, board of directors, custodial, distribution (12b-1),
legal, organizational, professional, registration, shareholder reporting, sub-advisor,
and transfer agency. The expense ratio does not reflect the fund’s brokerage costs
or any investor sales charges. For publicly traded mutual funds, the net prospectus
expense ratio is collected from the fund's most recent prospectus and provided by
Morningstar. This is the percentage of fund assets paid for operating expenses and
management fees. In contrast to the net expense ratio, the gross expense ratio
does not reflect any fee waivers in effect during the time period. Morningstar pulls
the prospectus gross expense ratio from the fund’s most recent prospectus.
Commingled Fund expense ratios are provided by the investment managers.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing.
The prospectus contains this and other important information related to the funds and the investment company. Please read it carefully before investing.
To obtain a prospectus, please see your plan sponsor or your plan administrator or go to www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ. Member FINRA, SIPC.
SSgA Stable Value Fund T. Rowe Price Retirement 2040 Fund - Class R
STRATEGY: Seeks to preserve principal while maintaining a rate of return STRATEGY: The investment seeks the highest total return over time
comparable to other similar fixed income investments without market value consistent with an emphasis on both capital growth and income. The fund
fluctuations. Primarily invests in investment contracts held at book value invests in a set of underlying T. Rowe Price mutual funds representing
(issued by insurance companies, banks or other financial institutions), and various asset classes and sectors.Its allocation between T. Rowe Price stock
high quality short investment products. SSgA Stable Value Fund is a and bond funds will change over time in relation to its target retirement
portfolio consisting of Guaranteed Investment Contracts. SSgA is the date.The fund invests92.50% of assets in stock funds and 7.50% in fixed
investment manager for the Stable Value Fund. This fund is managed income funds. It is nondiversified.
exclusively for participants in certain plans for which ADP Retirement T. Rowe Price Retirement 2050 Fund - Class R
Services provides recordkeeping and related services. STRATEGY: The investment seeks the highest total return over time
PIMCO Total Return Fund - Class R consistent with an emphasis on both capital growth and income. The fund
STRATEGY: The investment seeks maximum total return. The fund normally invests in a set of underlying T. Rowe Price mutual funds representing
invests at least 65% of assets in a diversified portfolio of Fixed-Income various asset classes and sectors. Its allocation between T. Rowe Price
Instruments of varying maturities, which may be represented by forwards stock and bond funds will change over time in relation to its target
or derivatives such as options, futures contracts, or swap agreements. It retirement date. The fund invests 92.50% of assets in stock funds and
invests primarily in investment-grade debt securities, but may invest up to 7.50% in fixed-income funds. It is nondiversified.
10% of total assets in high-yield securities (junk bonds). The fund may BlackRock Global Allocation Fund, Inc. - Class R
invest all assets in derivative instruments, such as options, futures contracts STRATEGY: The investment seeks to provide high total investment return.
or swap agreements, or in mortgage- or asset-backed securities. The fund invests in domestic and foreign equities, debt securities, and
T. Rowe Price Retirement Income Fund - Class R money market instruments, the combination of which can be varied based
STRATEGY: The investment seeks the highest total return over time on market and economic conditions. It may invest up to 35% of its total
consistent with an emphasis on both capital growth and income. The fund assets in below investment grade debt securities (junk bonds). The Fund
invests in a set of underlying T. Rowe Price mutual funds representing may also invest in Real Estate Investment Trusts (REITs).
various asset classes and sectors.Its allocation will normallyconsist of Franklin Templeton Moderate Allocation Fund - Class R
approximately 40% stocks and 60% bonds. It is nondiversified. STRATEGY: The investment seeks long-term total return, consistent with a
T. Rowe Price Retirement 2010 Fund - Class R moderate level of risk. The fund invests primarily in other Franklin
STRATEGY: The investment seeks the highest total return over time Templeton mutual funds, rather than investing directly in individual
consistent with an emphasis on both capital growth and income. The fund securities. It normally invests 55% of assets in equity funds, 35% of assets
invests in a set of underlying T. Rowe Price mutual funds representing in fixed-income funds, and 10% of assets in short-term (money market)
various asset classes and sectors. It normally invests 59.5% of assets in investments. The fund may not invest more than 25% of assets in any one
stock funds, 31.50% in fixed income funds and 9.00% in short-term underlying fund, but it may invest up to 50% of total assets in Franklin
income funds. It is nondiversified. Limited Maturity U.S. Government Securities Fund and Franklin U.S.
T. Rowe Price Retirement 2020 Fund - Class R Government Securities Fund.
STRATEGY: The investment seeks the highest total return over time BlackRock Equity Dividend Fund - Class R
consistent with an emphasis on both capital growth and income. The fund STRATEGY: The investment seeks long-term total return and current
invests in a set of underlying T. Rowe Price mutual funds representing income. The fund invests primarily in a portfolio of equity securities. It
various asset classes and sectors.Its allocation between T. Rowe Price stock normally invests at least 80% of assets in equity securities and at least 80%
and bond funds will change over time in relation to its target retirement of assets in dividend paying securities. The fund focuses on issuers that
date.The fund invests76% of assets in stock funds, 21.50% in fixed-income have good prospects for capital appreciation. It may also invest in
funds 2.50% in short-term income funds. While the fund is nondiversified, convertible securities and non-convertible preferred stock.
it invests in diversified underlying funds. SSgA S&P 500 Index Fund
T. Rowe Price Retirement 2030 Fund - Class R STRATEGY: Seeks to provide returns that correspond to the total return of
STRATEGY: The investment seeks the highest total return over time U.S. common stocks as represented by the Standard & Poor’s 500 Index.
consistent with an emphasis on both capital growth and income. The fund The fund invests in individual U.S. common stocks in identical proportions
invests in a set of underlying T. Rowe Price mutual funds representing to the Standard & Poor’s 500 Index (equity index).
various asset classes and sectors.Its allocation between T. Rowe Price stock Thornburg Value Fund - Class R3
and bond funds will change over time in relation to its target retirement STRATEGY: The investment seeks long-term capital appreciation. The fund
date.The fund invest 88.50% of assets in stock funds and 11.50% in invests primarily in domestic equity securities selected on a value basis. It
fixed-income funds. It is nondiversified. may also invest in foreign securities and American depositary receipts.
Alger Capital Appreciation Institutional Fund - Class R
STRATEGY: The investment seeks long-term capital appreciation. The fund
normally invests at least 85% of net assets plus any borrowings for
investment purposes in equity securities of companies of any market
capitalization demonstrating growth potential. It can leverage, that is,
borrow money to buy additional securities.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The
prospectus contains this and other important information related to the funds and the investment company. Please read it carefully before investing. To obtain a
prospectus, please see your plan sponsor or your plan administrator or go to www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ. Member FINRA, SIPC.
Janus Forty Fund - Class R SSgA International Index Fund
STRATEGY: The investment seeks long-term growth of capital. The fund STRATEGY: The Fund seeks to match the performance of the MSCI EAFE
invests primarily in a core group of 20-40 common stocks selected for Index while providing daily liquidity. The MSCI EAFE Index consists of
their growth potential. It may invest in companies of any size, from larger, almost 1,000 stocks in 21 countries outside of North and South America,
well-established companies to smaller, emerging growth companies. The and represents approximately 85% of the total market capitalization in
portfolio manager applies a "bottom up" approach in choosing those countries. The Fund invests in 3 country/regional funds which
investments. The fund may invest without limit in foreign equity and debt together make up the MSCI EAFE Index. Those funds include Europe,
securities, which may include investments in emerging markets. It is Japan, and Pacific Basin ex-Japan. This approach allows investors to gain
nondiversified. daily exposure to EAFE as a whole, or any combination of the 3 component
AllianceBernstein Small/Mid Cap Value Fund - Class R parts. The Fund employs an index replication approach in an attempt to
STRATEGY: The investment seeks long-term growth of capital. The fund match the returns of the Index. Replication results in low turnover,
invests primarily in a diversified portfolio of equity securities of small- to accurate tracking, and low costs. The Fund uses a hierarchy of trading
mid-capitalization U.S. companies, generally representing 60 to 125 processes when appropriate including internal crossing, external crossing,
companies. It normally invests at least 80% of net assets in securities of futures, and agency trades to attempt to capitalize on every opportunity to
small- to mid-capitalization companies, which, at the time of investment, reduce the Fund’s transaction costs. In order to facilitate daily liquidity, the
fall within the capitalization range between the smallest company in the Fund may hold up to 20% of its value in international equity index futures.
Russell 2500(TM) Value index and the greater of $5 billion or the market Thornburg International Value Fund - Class R3
capitalization of the largest company in the Russell 2500(TM) Value index. STRATEGY: The investment seeks long-term capital appreciation. The fund
First American Mid Cap Index Fund - Class R normally invests at least 75% of assets in foreign securities or depository
STRATEGY: The investment seeks to provide investment results that receipts of foreign securities. It may invest in developing countries. The
correspond to the performance of the S&P Midcap 400 index. The fund fund typically makes equity investments in the following three types of
normally invests at least 90% of assets in equity securities included in the companies: basic value companies with well established businesses whose
S&P 400 index. It may achieve a correlation between the performance of stock is under valued; Consistent earner companies when they are selling at
portfolio and that of the S&P 400 index of at least 95%, without taking into valuations below historic norms; and Emerging franchises that are in the
account expenses of the fund. The fund also may invest in stock index process of establishing a leading position in a product, service or market
futures contracts, options on stock indices, options on stock index futures, expecting growth at an above average rate.
and index participation contracts based on the S&P 400 index. ADDITIONAL DISCLOSURES
American Century Heritage Fund - Class R Investment options are available through ADP Broker-Dealer, Inc., a
STRATEGY: The investment seeks long-term capital growth. The fund subsidiary of ADP, One ADP Blvd, Roseland, NJ. Member FINRA, SIPC.
primarily invests in companies with earnings and revenues that are growing ADP Broker-Dealer, Inc. is not an administrator as defined in Section
at an accelerating pace. It normally invests in companies that are 3(16)A of the Employee Retirement Income Security Act of 1974 (ERISA)
medium-sized or smaller at the time of purchase, although it may purchase and in Section 414(g) of the Internal Revenue Code as amended, nor is it a
companies of any size. The fund typically invests in common stocks, but "fiduciary" within the meaning of ERISA Section 3(21).
can purchase other types of securities such as preferred stocks, NAV (Net Asset Value) is determined by calculating the total assets,
non-leveraged stock index futures contracts and options, and debt deducting total liabilities and dividing the result by the number of shares
securities. outstanding.
Franklin Small Cap Value Fund - Class R Performance information for all publicly traded mutual funds, excluding
STRATEGY: The investment seeks long-term total return. The fund normally Money Market funds, is provided by Morningstar®. Performance
invests at least 80% of net assets in small capitalization companies with information for Money Market funds and certain other types of funds is
market capitalizations under $3.5 billion at the time of purchase. It provided by the respective fund manager. © 2003 Morningstar, Inc. All
generally invests in equity securities believed to be undervalued and have Rights Reserved. The information contained herein: (1) is proprietary to
the potential for capital appreciation. The fund may invest up to 25% of Morningstar and/or its content providers; (2) may not be copied or
total assets in foreign securities. distributed; and (3) is not warranted to be accurate, complete or timely.
AllianceBernstein Small Cap Growth Portfolio - Class R Neither Morningstar, ADP, nor its content providers is responsible for any
STRATEGY: The investment seeks long-term growth of capital. The fund damages or losses arising from any use of this information.
normally invests at least 80% of assets in equity securities of smaller Expressed in percentage terms, Morningstar's calculation of total return is
companies that fall within the lowest 20% of the total U.S. equity market determined each month by taking the change in monthly net asset value,
capitalization (excluding, for purposes of this calculation, companies with reinvesting all income and capital-gains distributions during that month,
market capitalizations of less than $10 million). It invests in well-known and dividing by the starting NAV. Reinvestments are made using the actual
and established companies and in new and less seasoned companies with reinvestment NAV, and daily payoffs are reinvested monthly.
an emphasis on companies that are demonstrating improving fundamentals
The Investment Strategy is provided by Morningstar® for all publicly
and favorable earnings momentum. The fund invests in about 95 to 125
traded mutual funds. Investment Strategy information for Money Market
companies.
funds and certain other types of funds are provided by the respective fund
manager.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The
prospectus contains this and other important information related to the funds and the investment company. Please read it carefully before investing. To obtain a
prospectus, please see your plan sponsor or your plan administrator or go to www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ. Member FINRA, SIPC.
Investment Type Definitions:
The investment types are four broad investment categories; each fund is
categorized based on where the fund is listed in Morningstar, Inc.'s
investment category. Income: Money Market, Stable Value, and Fixed
Income investment funds. Growth and Income: Balanced and Lifestyle
investment funds. Growth: Large and Mid Capitalization investment funds.
Aggressive Growth: Small Capitalization, Specialty, Foreign Stock and World
Stock investment funds.
The Morningstar Category identifies funds based on their actual investment
styles as measured by their underlying portfolio holdings (portfolio
statistics and compositions over the past three years). If the fund is new
and has no portfolio, we estimate where it will fall before assigning a more
permanent category. When necessary, we may change a category
assignment based on current information.

For complete information on the funds, please see the prospectus and consider the investment objective, risks, charges and expenses before investing. The
prospectus contains this and other important information related to the funds and the investment company. Please read it carefully before investing. To obtain a
prospectus, please see your plan sponsor or your plan administrator or go to www.mykplan.com.
Investment options are available through ADP Broker-Dealer, Inc., an affiliate of ADP, Inc., One ADP Blvd, Roseland, NJ. Member FINRA, SIPC.
enroll in your plan
Account Access Distributions
You may access your account and conduct transactions 24 hours Vested savings may be eligible for distribution upon retirement,
a day, 7 days a week at www.mykplan.com.* You may speak death, disability or termination of employment.
with a Customer Service Representative at 1-800-mykplan
(1-800-695-7526).
Rollovers
You can consolidate your retirement assets into one account by
Plan Eligibility rolling over account balances from former employers or other
You will want to begin saving for your future as soon as possible. qualified plans. Keeping your retirement assets in one account
You can take advantage of this employee benefit as soon as you can help you manage your savings more easily as well as allow
have met your plan’s eligibility requirements. Ask your Plan you to review a single account statement and maintain one
Administrator when you are eligible to begin saving through asset allocation for all of your retirement assets. The Rollover
your plan. form includes instructions for transferring money into your
current plan.
Vesting
Vesting is simply your ownership of the money in your account. Account Management Features
You are always 100% vested in your own contributions, and any Save Smart® allows you to save gradually over time, as you can
rollover contributions (if applicable), as adjusted for any earnings afford to, to help you meet your retirement savings goals. This
or losses on these contributions. feature lets you increase your pre-tax plan contribution by 1, 2,
or 3% annually on the date you choose. You may elect this
feature on-line at www.mykplan.com.
Plan Investments
You choose how to invest your savings. You may choose from: Automatic Account Rebalancing can help you maintain the
long-term investment strategy you decide is appropriate for
● The variety of investments listed in the meeting your savings goals. Once you have created your
Performance Summary diversified asset allocation for your savings, automatic Account
Rebalancing will rebalance your account as often as you choose:
quarterly, semi-annually, or annually. You may elect this feature
on-line at www.mykplan.com.

For more information about the details of your plan, contact your
Plan Administrator.

*Except during scheduled maintenance.

Start saving with three easy steps.

04-3009

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