Guideline Welcome Kit

Welcome to Guideline 401(k)!

What is Guideline?

Welcome to ​Guideline​, an all-inclusive 401(k) provider designed to give employees a low-fee way to save for retirement! Guideline also gives you an easy way to sign up for your account, set a recurring deposit from your paycheck, and manage your money.

Why should you participate in Guideline’s 401(k)?

There are many reasons, but here are a few:

● Reduced taxable income (​ either now with pre-tax contributions, or in retirement with Roth contributions) ● High-quality mutual funds to invest in ● Low fees ● Automatic deduction from your paycheck ● Employer matching (if offered) ● Ability to change your contributions at any time ● Because saving for retirement is important!

For further information, please read this article, ​“Should You Participate in Your 401(k)? Here’s How to Decide.”

401(k) Basics New to 401(k)? Here are some important things to know:

● Employee contributions for 2019 are limited to $19,000. Employees 50 and over can make an additional catch-up contribution of $6,000. ● Contributions can be made in two ways: ○ Pre-tax: C ​ ontributions are taken from compensation b ​ efore​ taxes.

You’ll pay taxes on contributions (and any earnings) when you take it out in retirement. ○ Roth:​ Contributions are taken from your compensation ​after​ taxes.

Since you pay taxes right away, you can take contributions (and any earnings) out (generally) tax free when you retire. ● Your employer may also decide to make contributions to your account.

Your Guideline 401(k) Plan Features Minimum Age: 2 ​ 1 Minimum Service: ​3 months Matching: ​25% of contributions on the first 4% deferred Auto-Enrollment Date: ​May 1, 2020 (or next pay period after eligibility date, if hired after original date)

Default Contribution Rate: ​1% First Contribution: M ​ ay 8, 2020

OTHER IMPORTANT INFORMATION How to change your contribution When you sign up, you’ll easily be able to set your contribution rate, but you can still make changes to your contribution rate or opt out at any time. Just click on “Change Contribution” on your Portfolio page. (Note: If you change your deferral rate after payroll has been processed for that pay period, your change will not take effect until the following pay cycle.)

How to opt out Opting out is easy with Guideline - just click the “Opt Out” button when setting up your participant account. If you set a contribution but change your mind later, you can always change your contribution rate to 0% at any time.

Automatic Enrollment Automatic Enrollment is a 401(k) plan feature intended to allow eligible employees to take advantage of their 401(k) benefit by making saving even easier to start. Your Guideline 401(k) plan is an Automatic Enrollment plan. This means that, if you don’t set up your account or opt out by your plan start date, you’ll be automatically enrolled in your Guideline 401(k) at the plan’s Default Contribution Rate (see above).

This contribution will be invested into one of Guideline’s professionally managed portfolios pursuant to the terms of the Qualified Default Investment Alternative, automatically chosen for you based on your age. You are free to adjust these contribution settings or opt out at any time.

NOTE: Automatic Enrollment only applies to individuals who take no action by the plan start date.

How to select a portfolio Guideline offers 6 professionally m ​ anaged portfolios​, each with an average ​expense ratio​ of ~0.06%. These are e ​ xtremely low​ compared to the industry average, so that you can enjoy more money in your account for retirement! To select a portfolio, we recommend that you follow our setup process carefully. Guideline will recommend the portfolio that’s right for you based on your responses to our setup questionnaire.

(Or, if you want, you can create a custom portfolio your yourself with our ​full list of funds​.)

If you do not choose a portfolio or other investments for your account, your funds will be invested in the Qualified Default Investment Alternative, which will be a Guideline managed portfolio chosen based on your age.

How to rollover your old 401(k) If you’d like to roll over funds from another eligible account, all you have to do is click on your name on the upper right corner and choose “Start a Rollover.” Simply follow the directions, and contact our Customer Success team if you have any additional questions.

ADDITIONAL RESOURCES ● ● ● ● ●

Support Resources at s​ uccess.guideline.com Guideline Blog at g ​ uideline.com/blog/ Participant Video Library​ found in the Participant Resource Library Bi-Weekly W ​ ebinar Sessions​ on 1st & 3rd Tuesdays at 10:30am PST The Participant Customer Success Team can be reached by email at success@guideline.com​ or phone at (888) 344-5188.