Participant User Manual p
Contents
1. Edit View Details Current Rate Not contributing Not contributing 0 00 0 00 Date 11 11 2008 11 11 2008 11 11 2008 11 11 2008 1111 2008 EditView Details Status Settled Settled Settled Settled Settled 100 00 100 00 Log Out Contact Us t Important Messages You have 0 message s from your plan Account balance 4 654 09 Vested balance 4 654 09 Portfolio Summary EditA iew Details Account Balances Alternate Graph Loomis Sayles Strategic Income 2 773 82 Fidelity Money Market Trust 1 238 51 THORNBURG INTERNATIONAL VALUE BlackRock Large Cap Value Fund 158 74 224 05 Columbia Marisco 21st Century Z 141 25 FA REALESTATE 43 13 DFA EMERGING MARKETS VALUE 31 87 DFA US SMALL CAP VALUE 25 49 FIDELITY SMALL CAP SELECTOR 12 23 Further detail is gained by clicking the Edit View Details link under these sections www nextstepdc com Once you have logged into the system your first screen will be the Dashboard which offers a snapshot of Personal Data Balances Contributions Recent Transactions Messages and Portfolio Summary Welcome Hillary Smith ABC Company Demo 401 k Plan Account Balance Investment Selections Existing Balances Deferrals Transaction History Requests History Account Balance Your account balance may include the estimated value of pending trades Pending trades are represented by estimating value2. Enter Password all lower case Click Login to access your account nexktste Defined Contribution Inc p ACCOUNT LOGIN in Help Training Help Please enter your User ID and Password below If you have misplaced your User ID or Password Log oa problems viewing the site Select Role Participant v we User ID ss ina i w Problems logging into website DESERT Step 1 Click Forgot User ID or Password Need help tact NextStep Client Services P 888 886 8256 E clientservices nextste pdc com Step 2 Enter your social security number on page one Click Submit Request User ID and Password Ste p H 3 A n swe r a S e C u rity Please enter your social security number below to initiate the New User Process question or add in your full birth Paticipant Social Security Number date Click Submit ET En Step 4 Logout and log back in using the following information i Request User ID and Password Your User ID and Password will Please answer the alternate verification question listed below Once you have answered the question you may continue with the New User process automatically reset as follows Participant Verification question Alternate password guate User ID social security it Verification answer Cancel Submit Password Birth Date mmyy www nextstepdc com
3. yy a Login First Time User If you are new to the system nexktstep Step 1 Click New User ACCOUNT LOGIN Step 2 Enter your Social Security H Click Submit Step 3 Enter date of birth Click Submit Upon logging into the system you will be required to change both the User ID and Password and input personal beneficiary information and enroll Please keep record of your User ID and Password for future access to your retirement account Please contact your Plan Sponsor if you need a Password reset m Forgot User ID or Password m Problems viewing the site New User m Problems logging into website Need help Contact NextStep Client Services P 888 886 8256 E clientservices nextstepdc com Request User ID and Password Please enter your social security number below to initiate the New User Process Participant Social Security Number Request User ID and Password Please answer the questions listed below Once you have answered the questions you may continue with the New User process Participant Please confirm your date of birth Erl www nextstepdc com Please enter your User ID and Password below Select Role User ID Password Participant v Cancel Submit Cancel Submit ent Personal Information Enrollment Steps Loans amp Distributions E mail Sponsor Welcome Carla Marks Log Ou
4. 14 353000 14 994000 1 723000 1 712000 274 364000 Source Transfer Investments Price per Share 1 00 10 25 11 10 18 57 11 06 9 42 18 50 14 69 10 11 nexktste Defined Contribution Inc To change your Investment Elections click either Change Investment Elections link Or the left menu choice Investment Selections p Make the desired percentage changes click Graph to view and compare current new graphs Reset to start again and Submit to continue New must equal 100 Note Check this box to reallocate existing balances to your new allocation www nextstepdc com Making changes to your Investment Selections will only affect your Future Contributions To change both your future allocations and existing balances complete this page and check the box at the bottom of the page indicating Conform my balances in all sources to match my new allocation percentages Welcome Hillary a Smiah AGC Conpary Danio dO1 E Plan Investment Salechons Employee Pre laz Beum jo geure palecteon kern strreent olection nber Minimum aletatian pareant binimum aliocation incremerd pancent heestiment Selection A confmation emal will be sent io the addrags listed below If this addreae is incorrect plegea adi Confirmation e mail address orl hiiest com menstrma nd j IDELITY ASSET MGR FIDELITY DISCIPLINED EQ FIDELITY
5. Personal Profile Loans amp Distributions Report Center Tools mmm A l J La Welcome Megan Marcas Log Out Contact Us Help ABC Company Demo A01 k Plan Account Balance Investment Selections Existing Balances Transaction History Requests History Contributions A confirmation e mail will be sent to the address listed below If this address is incorrect please edit your personal information Confirmation e mail address mmarcos test cam Current Contribution Amounts Pre Tax Deferral 100 00 per pay period Roth 0 00 per pay period Change Contribution Amounts Please enter a contribution percentage or dollar amount that your employer will deduct from your compensation each payroll period for deposit to your 401 k account dollars Rules and Criteria E Pre Tax Deferral 100 00 per pay period b per pay period O Roth Mot contributing EE per pay period Reset _ e Check the box for the contribution type e Enter in your desired contribution percent or dollar e Click Submit nektste Defined Contribution Inc p www nextstepdc com Contribution Rate Change A confirm
6. Annual salary increase Annual savings increase Annual social security benefit Expected retirement income Annual pension benefit Percent of salary Return before retirement C Dollar amount Return after retirement Inflation Calculate Run various retirement scenarios to determine the income your current plan will provide or the impact of increased contributions higher investment results or changes in retirement age nextste Defined Contribution Ine p www nextstepdc com Personal Rate of Return the return of your specific account reflecting all vesiment tor TE Reen z E ss fund transfers EE Date range Neves 2008 to Neves 208 1 reallocations November 2008 304 deposits and withdrawals Welcome Megan Marcos Log Out Contact Us ABC Company Demo 401 k Plan Retirement Calculator Personal Rate of Return Personal Rate of Return is calculated using a geometrically linked time weighted formula Rate of Return View your ROR ona monthly quarterly or j annual basis NG From the Tools menu you may also view messages or send an email to your plan sponsor typically your employer nektste www nextstepde com eg P Defined Contribution Inc p Questions e For any questions regarding your account or to request training including Login Enrollment Deferral Amounts Allocating your Deferrals Changing y
7. HIGH INCOME Oo Please note that some 100 ae requests may not take effect immediately Conform my balances in this source ta match my new allocation Requests while processed into the database may not take effect Immediately Same requests may still need to be approved before they will take effect nektste Defined Contribution Inc pP www nextstepdc com Welcome Hillary Smith Log Out Contact Us U ABC Company Demo 401 k Plan Account Balance Account Balance dollars and or units that result from the execution of the trade may differ due to market fluctuation Pending trade balances for an investment will be located under the total balance and will be denoted by G4 ARRE tHE die Your account balance may include the estimated value of pending trades Pending trades are represented by estimating values using investment prices as of the request date Actual Existing Balances To transfer your investments Click Transfer Investments or Deferrals Transaction History Fees T rading Rules Investment Source Change Investment Elections Transfer Investments Investment Balance Vested Numbe Balance of Requests History Balance by Investment as of 11 17 2008 Fidelity Money Market Trust FIDELITY SMALL CAP SELECTOR F AREAL ESTATE A THORNBURG INTERNATIONAL VALUE FUND CLASS BlackRock Large Cap Value Fund CIR Columbia Marisco 21st Century Z DFA EMERGING MARKETS VALUE DFA US S
8. O 24 months L 36 months C 48 months o 60 months S l g n a N d ret U r n O months only principal residence loans may exceed 60 months but no later than age 65 or plan NRA Under the full penalties of State and Federal law certify that check one t h e a p p C a t O n to L am married and my spouse consents below O 1am not married O My vested account balance is less than 5 000 BY ACCEPTING PAYMENT agree that if there has been an overpayment will promptly repay any amount of overpayment without interest provided that pay back within thirty 30 days after receiving notice of overpayment If 1 do not repay the overpayment within thirty 30 days of notice wil pay O U r e f Y O e r 7 S interest from the date of notice of overpayment to the date of repaymeny and in addition will pay all legal fees court costs and reasonable time value y p y of the Trustees Plan Administrator or employer or any other employees or agents related to the collection of such overpayment Plan Participant s Signature Date Administrator for meni te Spousal Consent a p p FOV a understand the terms of the loan and of the Irrevocable Pledge and Assignment understand that my spouse s failure to make 7 timely payments on this loan in accordance with the requirements of the Promissory Note may result in the Trustees pursuing any remedies available to a creditor by law also understand that failure to make timely payments in accordanc
9. changes fees dividends Request History any requests to change personal data nektste Defined Contribution Inc p Welcome Account Balance Hillary Smith ABC Company Demo 401 k Plan Account Balance nvestment Selections Deferrals Your account balance may include the estimated value of pending trades Pending trades are represented by estimating values using investment prices as of the request date Actual dollars and or units that result from the execution of the trade may differ due to market fluctuation Pending trade balances for an investment will be located under the total balance and will be denoted by Si P Transaction History Requests History Fees Trading Rules Balance by Investment as of 11 17 2008 Investment Fidelity Money Market Trust FIDELITY SMALL CAP SELECTOR F AREAL ESTATE A THORNBURG INTERNATIONAL VALUE FUND CLASS BlackRock Large Cap Value Fund CIR Columbia Marisco 21st Century Z DFA EMERGING MARKETS VALUE DFA US SMALL CAP VALUE Loomis Sayles Strategic Income Y Total Change Investment Elections Balance 1 238 51 12 23 48 13 224 05 156 74 141 25 31 67 25 49 2 773 62 4 654 09 www nextstepdc com Log Out Balance 1 238 51 12 23 48 13 224 05 158 74 141 25 31 87 25 49 2 773 82 4 654 09 Contact Us Investmert Number of Shares 1 238 510000 1 193000 4 336000 12 065000
10. this address is incorrect please edit your personal information Confirmation e mail address mmarcos test com Select loan type Personal 7 Principal residence 7 Loan amount g 1000 Your estimated Semimonthly payment amount will be 43 12 N of payments Enter loan amount Number of payments To determine the regular payment amount for a proposed loan amount e Click the Loans amp Distributions tab e Click Loan Model Request e Enter the loan amount and number of payments Click Model www nextstepdc com nerktste Defined Contribution Inc p Loan Request Dashboard Personal Profile Manage Tour Account Welcome Megan Marcos ABC Company Demo 401 k Plan Loan Model Request Farticipant Loans Withdrawal Request To request a loan Click Here for Loan Application Complete the application and submit to your Plan Administrator Minimum Loan Minimum duration Loan Type E Maximum Loan Loans amp Distributions Report center Forms 8 noes Center Tools Lag Out Contact Us Maximum duration Interest Rate Personal 1 000 00 1 000 00 2 267 53 be 267 53 1133 77 DO months N payments 1 133 77 Principal residence 0 months 4 payments Current plan vested account balance All plans vested account balance Actual Interest Rate will be determined at the time of loan approval L
11. 0 Ez 0 00 FIDELITY HIGH INCOME amp 3 494 98 99 58 sooo 1754 89 FIDELITY MONEY MARKET TRUST 0 00 0 a 0 00 FIDELITY SMALL CAP SELECTOR 0 00 0 oo 0 00 F A REAL ESTATE A 0 00 0 ET 0 00 OPPENHEIMER DEVELOPING MKT A 0 00 0 ral 0 00 OPPENHEIMER INTL BD A 0 00 0 ono 0 00 THORNBURG INTERNATIONAL VALUE FUND CLASS 0 00 0 ooo 0 00 VANGUARD LONG TERM U S TRS 0 00 0 am 0 00 VANGUARD SHORT TERM BD IDX 0 00 0 oo 0 00 BLACKROCK LARGE CAP VALUE FUND CL R 22 22 0 63 Ez 1754 89 FIDELITY STRUCTURED mocap crowiH 0 00 0 rol 0 00 FIDELITY STRUCTURED MID CAP VALUE amp 0 00 0 Ez 0 00 HENNESSY CORNERSTONE GROWTH 0 00 0 ooo 0 00 LOOMIS SAYLES STRATEGIC INCOME Y 0 00 0 Zz 0 00 U S GLOBAL INVESTORS GLOBAL RESEARCH amp 0 00 0 foo 0 00 Transferable Accounts Total 3 509 78 100 00 100 00 3509 78 Account Total 3 509 78 100 J Update my election percentages in all sources to match my target Graph K Reset CD To Re Align Investments to New Target enter the target that you would like each of the funds to hold after the rebalance These changes are reflected in the Projected Balance to Re Align Column Click Graph to view the changes Reset to begin again or Submit to continue Target must equal 100 nektste Defined Contributio N Inc www nextstepdc com p Reba
12. HIGH INCOME amp Fldeliry Monty Market Trust FIDELITY SMALL CAP SELECTOR F AREAL ESTATE A OPPENHEIMER INTL AD A THORNBURG INTERNATIONAL VALUE FUND CLASS VAMGUARD LONG TERA U amp TRS VANGUARD SHORT TERM BD IDX BlackRock Large Cap Value Fund CI A Columbia Marisco 2158 Century DFA EMERGING MARKETS VALUE DFA US SMALL CAP VALUE FIDELITY STRUCTURED MID CAP GROWTH FIDELITY STRUCTURED MID CAP VALUE Henney Conversions Growth Loomis Sayles Strategic Incamerf U S Global Investors Global Research Total allocation percent if you da mol provide aneestireent directions for your contrithytins thoy wall bo defaulted to the Fleeting onary Market Tre wiil pou prado of ore delaulted rs pour resposrsibildy Ia reahgn then a epcordante to your lets i M Cantam miy balances in this agate to match my new alacation Tor 1 hit iabe sucios nce amours minrailra invesiment elechons For mure miamala please Oonlecl your plan adrin ral ED GES Esp 3 Investment Elections Step 3 Benefits Summary Dashboard Manage Your Account Personal Profile Loans amp Distributions Report Center Welcome Hillary Smith Log Out Contact Us ABC Company Demo 401 k Plan Account Balance Conform to Target Employee Pre tax Investment Selections Existing Balances Fees Trading Rules Deferrals Investment Elections Transaction History A confirmation e mail will be sent to the address listed below If this address
13. MALL CAP VALUE Loomis Sayles Strategic Income Y Total 1 238 51 12 23 48 13 224 05 158 74 141 25 31 87 25 49 2 773 82 4 654 09 www nextstepdc com 1 238 51 12 23 48 13 224 05 158 74 141 25 31 87 25 49 2 773 82 4 654 09 1 193000 4 336000 12 065000 14 353000 14 994000 1 723000 1 712000 274 364000 Sias Existing Balances 1 238 510000 from the menu on the left nektste Defined Contribution Inc p Dashboard Manage Your Account Personal Profile Loans amp Distributions Report Center Forms amp Dors Tools Welcome Thompson Ashley Log Out Contact Us ABC Company Demo 401 k Plan en ee Transfer Between Invesiments All Sources Investment Selections Existing Balances NOTE Changes to your existing balances will only affect your current investment balances and will not affect how your future contributions are invested Trade requests received by 4 PM Eastern Time are processed and will be sent for execution on the business day received Trades received after 4 PM Eastern Time will be sent for Deferrals execution on the following business day a Fe Transaction History aa Transfer Between Investments EE ype 4 RERIG Investments fo New Target Requests History Rebalance Portfolio to Your Cument Allocation Transfer rules Minimum transfer percent Minimum transfer increment percent O f Select the type of transfer you would like to perfo
14. Total 3 509 78 3 509 78 nektste www nextstepde com p Defined Contribution Inc p Rebalancing Choose the type of rebalance you would like to perform from the drop down menu Re Align to New Target or Rebalance to Current Allocation Close Participant Dashboard Manage Your Account Personal Profile Loans amp Distributions Report Center Fomsates Tess Welcome GARCIA DAVID Log Out Contact Us Help ABC Company Demo 401 k Plan Rebalance Portfolio to Your Cunment Allocation Account Balance Rebalance Current Allocation Percentages Transfer Between Investments Re Align Investments to New Target Investment Selections Rebalance Portfolio to Your Cument Allocation Transfer type Rebslance Portfolio to Your Current Allocation W Existing Balances Options One time Rebalance Recurring Rebalance Deferrals Click One time Rebalance or Recurring Rebalance Note Recurring rebalance is only available if you have selected to rebalance your current allocation percentages nektste www nextstepde com ee P Defined Contribution Inc p Upon selecting both Rebalance Portfolio to Your Current Allocation and Recurring Rebalance enter your desired rebalance frequency day to rebalance and start date Click Submit to confirm Welcome GARCIA DAVID ABC Company Demo 401 k Plan Account Balance Investment Se
15. Trust Loomis Sayles Strategic Income Y VANGUARD SHORT TERM BD IDX FA REAL ESTATE A OPPENHEIMER INTL BD A oo Total 0 If you do not provide investment directions for your contributions they will be defaulted to the until you provide other investment instructions Once contributions are defaulted it is your responsibility to realign them in accordance to your investment elections For more information please contact your plan administrator Go to step 1 EET Go to Previous GotoNext Step Return to Main Step Login Page The Investment Elections page allows you to review fund performance information and the prospectus for each fund After reviewing select your investments or model portfolio to determine how your deferral amount will be invested Total election must equal 100 Click Save and Continue to move to the final enrollment screen nektste Defined Contribution Inc www nextstepdc com pP Enrollment Steps Welcome Carla Marks ABC Company Demo 401ik Plan Personal Information Username Verification Question What is your favorite movie First Mame Last Name Date of Birth mmddyy Date of hire Marital Status Address Line 1 Address Line 2 City state Postal Code i ip Country Home phone number Office phone number Other phone number send Email confirmation ta Home Email Office Email Other Email Step 5 of 5 Review and Confirm all of y
16. an subject to limits above l do not wish to make Roth contributions at this time E Enter a dollar amount in increments of whole dollars or d eee C specify a percentage between 0 00 and 100 00 in increments of whole percentages First d Save And Continue Previous Go to step 1 COM Siaged Goto Previous Goto Next step Return to Main Login Page The Deferrals page allows you to enter the or amount of each paycheck you wish to defer into your retirement account Click Save and Continue to move to the next page nektste Defined Contribution Ine www nextstepdc com p Enrollment Steps Loans amp Distributions E mail Sponsor Welcome Carla Marks ABC Company Demo 401 k Plan O Personal Info O Beneficiaries O Deferrals O Investment Elections false Step 4 of 5 Select Investments The investment election percentages you enter below will be applied to all sources of contributions including any employer enrollment process you can always change your investment election percentages For more information please contact yo process Review Fund Performance and Prospectuses elect to invest all future contributions including employee and employer contributions as follows Fees Trading Rules Fund Name Election FIDELITY ASSET MGR 000 DFA EMERGING MARKETS VALUE 000 THORNBURG INTERNATIONAL VALUE FUND CLASS FIDELITY HIGH INCOME amp Fidelity Money Market
17. ation e mail will be sent to the address listed below If this address is incorrect please edit your personal information Confirmation e mail address mmarcosi test com Current Contribution New Contribution 100 00 per pay period Pretax deferral 50 00 per pay period The screen will display the new deferral amount for your review You must click Continue to complete the change www nextstepdc com n exktste Defined Contribution Inc p Welcome Megan Marcos Log Out Contact Us ABC Company Demo 401 k Plan Loan ModelReguest Participant Loans Withdrawal Request To request a loan Click Here for Loan Application Complete the application and submit to your Plan Administrator Loan Type Minimum Loan Maximum Loan Minimum duration Maximum duration Interest Rate Personal 1 000 00 1 133 77 D months 0 payments 60 months 120 payments 7 Principal residence 1 000 00 1 133 77 D months 0 payments 360 months 720 payments 7 Current plan vested account balance 2 267 53 All plans vested account balance 2 267 53 Actual Interest Rate will be determined at the time of loan approval Loan Calculator based on a payment frequency of Semimonthly A confirmation e mail will be sent to the address listed below If
18. ay not take Pomumwonncomo eem mom OO ao effect i Total transfer percent SABB 10 00 00 00 9343569 immediately AccountTota 8485 68 00 00 88 435 69 www nextstepdc com N sy ar EE ao N EE p Defined Contribution Inc Rebalancing To rebalance your account Go to Manage Your Account then click Transfer Existing Investments or Existing Balances from the menu on the left he Welcome GARCIA DAVID Log Out Contact Us Help ABC Company Demo 401 k Plan Account Balance Account Balance z ations EIE Your account balance may include the estimated value of pending trades Pending trades are represented by estimating values using investment prices as of the reguest date Actual aa TN dollars and or units that result from the execution of the trade may differ due to market fluctuation Pending trade balances for an investment will be located under the total balance and will DefelTan be denoted by S H HEP Transaction History MEE Fees Trading Rules Balance by Investment as of 03 04 2009 Change Investment Elections Investment Balance Vested Current Balance Election DFA EMERGING MARKETS VALUE 0 00 0 00 50 00 0 000000 14 09 DFA US SMALL CAP VALUE 0 00 0 00 25 00 0 000000 10 49 FIDELITY ASSET MGR 0 00 0 00 25 00 0 000000 9 98 FIDELITY HIGH INCOME amp 3 494 98 3 494 98 0 00 583 469000 5 99 BLACKROCK LARGE CAP VALUE FUND CLR 22 22 22 22 0 00 2 505000 8 87
19. cess your account via the plan s website at at any time using your Username and Password If you elected to receive email confirmations you will receive confirmation of your enrollment at the email address specified Reminders The investment elections you entered during the enrollment process will apply to all sources of contributions For more information please contact your plan administrator Upon completion of the enrollment process a final screen will confirm your enrollment and allow you to access the plan website which begins at the Dashboard nexktste Defined Contribution Inc p www nextstepdc com DEW Fe Benefits Summary Dashboard Manage Your Account Personal Profile Loans amp Distributions Report Center Welcome Hillary Smith ABC Company Demo 401 k Plan Personal Data Hillary Smith 123 Main Street San Ramon CA 94583 Home e mail hsmith test com Birth date 09 11 1976 Hire date 08 07 2003 Entry date 01 01 2007 Balances by Source as of 11 17 2008 Source Employee Pre tax Employer Match Fully Vested Total Contributions Pre tax Rath Last Pre tax deferral contribution change _Last Roth contribution change via Web VRU Recent Transactions Transaction Transfer Transfer Transfer Transfer Transfer Balance Vested Balance 4 225 17 4 225 17 428 92 428 92 Edit View Details Edit View Details Vested Percent 4 654 09 4 654 09
20. ciary and multiple contingent beneficiaries Enter in the information and click Save and Continue to move to the next page Note This web entry is not an official Beneficiary Designation Form You must have a signed beneficiary form in your Employee file After you complete your Enrollment go to the Forms Docs tab and print out complete amp SIGN your beneficiary form and provide to your Plan Sponsor nektstep Defined Contribution Inc www nextstepdc com rollment Deferrals Enrollment Steps Dashboard Loans amp Distributions Report Center Welcome Ashley Thompson ABC Company Demo 401 k Plan Fi Personal Info O Beneficiaries O Deferrals O investment Elections falze Step 3 of 5 Deferral Limits IRS limit an 401 k contributions in 2006 15 500 00 IRS limit on catch up contributions in 2008 5 000 00 You must be age 50 or older hy December 31st of this year in order ta make catch up contributions Enter your salary deferral election PRE TAX CONTRIBUTIONS wish to contribute the following amount each pay period to the plan subject to limits above 1 do not wish to make pretax contributions at this time Enter a dollar amount in increments of whole dollars or f EP C specify a percentage between 0 00 and 100 00 in increments of whole percentages ROTA 4010k CONT RIBO TIONS wish to contribute the following amount each pay period to the pl
21. e to the next page Send Email confirmation to Home Email Office Email Other Email Be sure to continue through all steps of the enrollment process until you receive confirmation that your enrollment is complete If you cancel or close your browser before completing the process your enrollment will not base Pr Continue to Step 2 Go to Next Step Return to Main d N kap Defined Contribution Inc www nextstepdc com p lIment Beneficiaries Enrollment Steps Loans 4 Distributions E mail Sponsor Welcome Carla Marks ABC Company Demo 401 k Plan O Personal Info step 2 of 2 Designate Your Beneficiaries O Beneficiaries O Deferrals This designation can have important tax and legal effects you may wish to consult your advisor before continuing O Investment Elections false PRIMARY BENEFICIARY Mame First Last Percent of benefit payable to this beneficiary Relationship Date of Birth immidd yyy Home Address Address Line 1 Address Line 2 City state Postal Code ip Country social Security Number foptianal Add Additional Primary Beneficiary Add Contingent Beneficiary AL Save And Continue Skip Go to step 1 Continte gi Go to Previous Go to Next Step Return to Main step Login Page This next screen allows you to enter information about your beneficiary ies You may enter more than one primary benefi
22. e with the requirements of the Promissory Note may cause a reduction of any plan benefit to which may otherwise be entitled in the future consent to this loan Spouse s Signature Seal Witnessed by Plan Trustee or Notary Public Plan Trustee Authorization Loan application is o Approved DO Denied Interest Rate Curent Acct Balance 8 Date of First Payment _ First payroll in which a payment will appear Payments per Year ie 12 24 26 52 must match payroll submission frequency Vesting Verification required Employer Money Source 1 Employer Money Source 2 Employer Money Source 3 mes Be 5 nexktste Defined Contribution Inc www nextstepdc com p aa A Reports The following reports are available for participants to run and view Activity Detail for Participant Cash Basis This report provides activity details for the period selected it includes trade date transaction type and transaction amount It also provides period summary beginning balance and ending balance Balance By Fund for Participant This report provides participant level summary balances by fund The report includes investment ticker symbol investment name price date number of shares balance by fund total balance and loan balance Balance by Source This report provides participant level summary balances by transaction type and money source Fee Transaction by Participant This report provides details on the different f
23. ee types RK Custodian Advisor TPA The report is at the participant level and includes the fee date the fee type and the fee amount Participant Statement This report provides a comprehensive participant level account summary for the selected period The report includes sections for Activity Highlights account summary Investment Activity activities and balances by fund Personal Fund Balance and Investment Information investment diversification and asset allocation Transaction Detail by Fund This report provides transaction details on a daily fund by fund basis The report includes investment name transaction date transaction description dollar amount effective fund price and number of shares nextste www nextstepdc com Defined Contribution Inc p Welcome Megan Marcos Log Out Contact Us ABC Company Demo 401 k Plan Retirement Calculator Education amp Tools Retirement Calculators Rate of Return Use the retirement calculator to estimate your income and savings that you will have when you retire The results will identify if your current savings will last through your retirement years and give you a cash flow of what your estimated balance will be for each year Messages E mail Sponsor Retirement Income and Savings Spouse Current age Retirement plan savings Retirement age Annual contribution o Life expectancy age Company match Current salary Other savings
24. is incorrect please edit your personal information Requests History Confirmation e mail address hsmith test com Investment Current Contribution New Allocation FIDELITY HIGH INCOME amp 100 00 V Conform my balances in this source to match my new allocation Your request has not been processed yet Please confirm that the above details properly describe the transaction you are requesting by pressing Continue Press Cancel to abor this request Account Balances Projected Balances Alternate Graph Alternate Graph 100 00 FIDELITY HIGH INCOME 100 00 You will receive a confirmation email for your records after the changes are accepted www nextstepdc com After submitting your changes the screen will display the transaction you are requesting You must click Continue for your changes to be accepted nexktste Defined Contribut ion Inc p s Investment Elections Step 4 Conform to Target Employee Pre tax The Screen WI Your request has been processed Your confirmation number amp 4751348 ou may use this number to reference this transaction in the future display your TED confirmation n u Mm be r ve rifyi ng Investment Elections A confirmation e mail will be sent to the address listed below that your change Ma Confirmation e mail address hsmith test com hasbeen mesme Gumemtmsbeien OO O ewon O accepted E Fees Trading Rules FIDELITY
25. lancing Realign Investments to New Step 3 Ull BLACKROCK LARGE CAP VALUE FUND CL R 22 22 0 63 Welcome GARCIA DAVID Log Out Contact Us Help Afte r S u b Mm Itt n g ABC Company Demo 401 k Plan Account Balance Conform to Target YO U r G h d n ge S l All Sources e Investment Selections t h e S C re e n W pesing flanes Fees rading Rules d h Deferrals Eer l S p a y t e Transaction History EE j R e j your pe q MEN A confirmation e mail will be sent to the address listed below If this address is incorrect please edit your personal information t r a n sf e r y O u a r e Confirmation e mail address No e mail address on record Investment Current Balance Percent of Balance Target Projected Balance reque stin B You must click 3 494 98 99 58 di nde el N Continue for your changes to be accepted and confirmed I Update my election percentages in all sources to match my target Your request has not been processed yet Please confirm that the above details properly describe the transaction you are requesting by pressing Continue Press Cancel to abort this request Account Balances Projected Balances Alternate Graph Alternate Graph I lt www nextstepdc com Fair Eer p Defined Contribution Inc To modify your deferral amount select Manage your Account and click Deferrals AE Dashboard Manage Your Account gt
26. lections Existing Balances Deferrals Transaction History Requests History Log Out Contact Us Help Recurming Rebalance Tanster ype Options C One time Rebalance Recurring Rebalance This option will allow you to create a recurring rebalance transaction The ending balance in each of your funds will be realigned to match your current allocation percentages beginning on the first rebalance start date and continuing based on the frequency you select Create a recurring rebalance transaction Select rebalance frequency Select the day to rebalance your portfolio Select the starting rebalance date joarat2009 EE mmidd yyyy lt Your recurring transactions will begin on the first rebalance date and continue based on the frequency you selected Press the Submit button to create your recurring transaction annn q Reset j www nextstepdc com n e mikan ste Defined Contribution Inc p Recurring Rebalance Current Confirmation After clicking Submit you will receive confirmation that the recurring rebalance transaction was added along with the schedule you have selected Welcome GARCIA DAVID Log Out Contact Us Help ABC Company Demo 401 k Plan Account Balance Recurring Rebalance Investment Selections Transfer type Rebslance Portfolio to Your Current Allocation a eerie Options C One time Rebalance Recurring Rebalance Deferrals Tran
27. nektste Defined Contribution Inc Contribution Inc P Login to your account at oo Participant User Manual ws amp amp Table of Contents Topic Slide EASON ENE EEEE EE EE EE onsen 2 ae diie T AO GR Ee Ee N 6 Dashboard 0 ccc ccc ss ee nec ER eee RE Ee ER eee ER ee Ee ee Ee ee ee ee 12 Manage Your ACCOUNL 0 cece eect Ee ee EER Ee ee ee Ee ee ee 13 Change Investment Elections 0 0 c cece cece se ee ss ee ss see 14 Transfer Existing Investments ccc cece eee se ee se ee 18 Rebalancing ccc cece cece cece eee ER eee Ee ER Ee ee EE ee Ee ee ee 23 TES SE EE EO EG ee 30 EER OE EG OE EN Ge Ee od 32 ROPO EE EEEE EEEE EE E e 35 TOO EE E E E E E EE EE 36 QUESTIONS 0 cece cece cece cece cece nce e cece cee eeceeeeenseeeusuneees 38 www nextstepdc com nexktstep Defined Contribution POWERED BY Nextstep ACCOUNT LOGIN Login Help Training Help Please enter your User ID and Password below Participant ka m Forgot User ID or Password E problems viewing the site m New User ie Problems logging into website Need help Contact NextStep Client Services PF 686 886 8256 E chentservices nextstepdc com www nextstepdc com All existing users will retain their existing User ID and Password to access the new website www nextstepdc com Step 1 Choose your Role Step 2 Enter the User ID all lower case Step 3
28. nt for Deferrals execution on the following business day Transaction History Transfer type Transfer Between Investments w Requests History Transfer Between Investments N Re Align Investments to Hew Target S Transfer rules Rebslance Portfolio to Your Curent Allocation Minimum transfer percent Minimum transfer increment percent Select the type of transfer you would like to perform Fees Trading Rules nexktste Defined Contribution Inc pP www nextstepdc com Fund Realignment A confirmation e mail will be sent to the address listed below If this address is incorrect please edit your personal information Confirmation e mail address No e mail address on record WA J Investment Current Percent of Target Projected Balance Balance Account Balance To Re Align Balanced Model 7 42 0 21 TE 0 00 Conservative Model 0 00 0 0 00 0 00 Growth Model 0 00 0 0 00 0 00 Moderate Model 0 00 0 0 00 0 00 Siete COLUMBIA MARISCO 21ST CENTURY Z 0 00 0 0 00 0 00 DFA EMERGING MARKETS VALUE 0 00 0 0 00 0 00 DFA US SMALL CAP VALUE 0 00 0 Ee 0 00 FIDELITY ASSET MGR 0 00 0 ooo 0 00 FIDELITY DISCIPLINED EQ 0 00
29. o 1 0 00 OPPENHEIMER INTLBDA 0 00 0 00 laas 0 00 THORNBURG INTERNATIONAL VALUE FUND CLASS 448 81 2 59 ooo o 448 81 VANGUARD LONG TERM U S TRS 0 00 0 00 0 00 l 0 00 VANGUARD SHORT TERM BD IDX 0 00 0 00 0 00 l 0 00 BLACKROCK LARGE CAP VALUE FUND CL R 127735 7 39 TEE poo fe 5127735 FIDELITY STRUCTURED MID CAP GROWTH amp 0 00 0 00 oo 0 00 FIDELITY STRUCTURED MID CAP VALUE 0 00 0 00 0 00 o 0 00 HENNESSY CORNERSTONE GROWTH 0 00 0 00 ooo 0 00 LOOMIS SAYLES STRATEGIC INCOME Y 8 257 83 47 74 0 00 oos 8 257 83 U S GLOBAL INVESTORS GLOBAL RESEARCH amp 0 00 0 00 0 00 0 00 Total transfer percent 17 295 67 100 00 0 00 17 295 67 Account Total 17 295 67 100 00 e Use the From column to indicate the that should be transferred out of each investment or model portfolio e Use the To column to indicate the that should be transferred into each investment or model portfolio e Click Graph to view a pie chart of the current and new allocations e Click Reset to start again e Click Submit to continue nexktste Defined Contribution Inc www nextstepdc com p ring Investments Step 4 ransfer Between Investments All Sources Fees Trading Rules Transfer Between Investment confirmation c mail willbe sent ta the address listed below If thic address is Incorrect please edit your
30. oan Calculator based on a payment frequency of Semimonthly A confirmation e mail will be sent to the address listed below If this address is incorrect please edit your personal information Confirmation e mail address mmarcos test com Select loan type Personal PSG b Principal residence Enter loan amount Number of payments Your estimated Semimonthly payment amount will be AR Reset Model What You Should Know About Taking 4 Loan This will display a PDF loan application www nextstepdc com 7 EO months 120 payments 7 7 360 months 20 payments To request a loan click on Loans and Distributions tab Select Click Here for _Loan Application click Model nektste Defined Contribution Inc p plication Loan Application Personal Information Plan Division Name Birth Date SSN SSeS Hire Date Address City State Ls Zip Day Phone E Mail Eve Phone Marital Status Single Married Divorced Loan Application Loan will be made from all investment funds and accounts according to the hierarchy established in the Plan s loan policy Amount of Loan WSS Current Loan Balance If any This loan will I will not be used to acquire my principal residence Loan to be repaid by Payroll Deduction over a period of Print complete J 12 months
31. our Entries carlal Vertication Answer 16 candles Carla Marks 12 02 1954 05729 2007 123 Main Street san Ramon CA 94555 USA 610 888 8888 This final screen allows you to review and edit the information you have entered Click Finish to complete the enrollment process www nextstepdc com Salary Deferral Elections PRE TAX CONTRIBUTIONS Deduct 300 00 each pay period ROTH 401 k CONTRIBUTIONS Deduct 0 00 each pay period Automatic Contribution Acceleration Automatically increase my pre tax contributions by 0 until am deducting a maximum of 0 Frequency of increases Automatically increase my ROTH contributions by 0 until am deducting a maximum of 0 Frequency of increases Beneficiary Designations Primary Beneficiary Name First Last Percent of benefit payable to this beneficiary Relationship Date of Birth ram dd yyyy Home Address Address Line 1 Address Line 2 City State Postal Code Zip Country Social Security Number optional Investment Elections All future contributions to the plan will be invested as follows FIDELITY ASSET MGR joe 100 00 02 12 1969 555 main street oakland CA 100 00 If your enrollment information is correct click below to submit your enrollment request Welcome Carla Marks Log Out Contact Us ABC Company Demo AO1Ik Plan Congratulations Your Enrollment is Complete You may ac
32. our Investment Allocations Loans or Distributions Designating or Changing your Beneficiary Please call NextStep at 888 886 8256 or email us at ClientServices NextStepdc com nexktste Defined Contribution Inc p www nextstepdc com
33. personal information Confirmation e mail address hsmith test com Current Current From Shares a to Redemption Shares Free From Redemption Projected Balance ete Fees Fees Balance maa RE oe FIDELITY HIGH INCOME E3 3 415 N SELS eo 100 0 00 555 oe p0 00 Ee Large Cap Value Fund CIR f2 40 0 65 0 00 0 00 VA bee 40 Total transfer percent 3 435 100 00 100 00 om 3 435 69 3 435 69 69 D You will receive a confirmation email for your records after the changes are accepted www nextstepdc com After submitting your changes the screen will display the transfer you requesting are You must click Continue for your changes to be accepted nektste Defined Contribution Inc pP ring Investments Step 5 Transfer Between Investments All Sources The screen will E Your request has been processeg display your i j Your confirmation number i y You may use this number to reference this transaction in the future confirmation E Fees Trading Rules number verifying Transfer Between Investment that YOu r cha nge A confirmation e mail will be sent to the address listed below has been Confirmation e mail address hsmithi test com Current Current Balance From To Projected Balance accepted EES Please note that i SS THORNBURG INTERNATIONAL VALUE FUND CLASS 0 00 0 00 1005 3 413 29 some requests park a m
34. rm Percent to percent w Feest rading Rules www nextstepdc com N ektste Defined Contribut ion Inc pP Transfer Between Investment A confirmation e mail will be sent to the address listed below If this address is incorrect please edit your personal information to D balance enter 100 Confirmation e mail address ashley thompson abcco com Investment Balanced Model Conservative Model Growth Model Moderate Model Current Balance 0 00 0 00 0 00 0 00 Percent of Account Balance 0 00 0 00 0 00 0 00 0 00 86 0 00 0 00 0 00 Projected Balance To Transfer 0 00 0 00 0 00 0 00 COLUMBIA MARISCO 21ST CENTURYIZ 376 70 2 18 ooo Jas ooo 376 70 DFA EMERGING MARKETS VALUE 171 59 0 99 0 00 ooo 171 59 DFA US SMALL CAP VALUE 212 97 1 23 ooo J ooo 212 97 FIDELITY ASSET MGR 0 00 0 00 0 00 0 00 FIDELITY DISCIPLINED EQ 0 00 0 00 0 00 0 00 FIDELITY HIGH INCOME amp 0 00 0 00 0 00 0 00 FIDELITY MONEY MARKET TRUST 6 182 67 35 75 000 l ooo Pe 6 182 67 FIDELITY SMALL CAP SELECTOR 101 82 0 59 0 00 TH 101 82 F A REAL ESTATE A 265 93 1 54 0 00 ooo l 265 93 OPPENHEIMER DEVELOPING MKT A 0 00 aa 0 00 o
35. s using investment prices as of the request date Actual dollars and or units that result from the execution of the trade may differ due to market fluctuation Pending trade balances for an investment will be located under the total balance and will be denoted by TM Fees Trading Rules Balance by Investment as of 11 17 2008 Investment Fidelity Money Market Trust FIDELITY SMALL CAP SELECTOR amp F A REAL ESTATE A THORNBURG INTERNATIONAL VALUE FUND CLASS BlackRock Large Cap Value Fund CIR Columbia Marisco 21st Century Z DFA EMERGING MARKETS VALUE DFA US SMALL CAP VALUE Loomis Sayles Strategic Income Y Total You may also change investment elections and transfer investments from this page Change Investment Elections Balance 1 238 51 12 23 48 13 224 05 158 74 141 25 31 67 25 49 2 773 62 4 654 09 Log Out Vested Balance 1 238 51 12 23 48 13 224 05 158 74 141 25 31 87 25 49 2 773 62 4 654 09 www nextstepdc com Contact Us Investment Number of Shares 1 238 510000 1 193000 4 336000 12 065000 14 353000 14 994000 1 723000 1 712000 274 364000 Transfer Investments Manage Your Account is where you may view your Account Balance overall investments Investment Selections future allocations Existing Balances current balances Transaction History any fund activity reflects any salary deferrals election or fund
36. saction History Ay Requests History You currently have a recurring rebalance transaction established to run Every month Your next scheduled rebalance date is 03 31 2009 This option will allow you to create a recurring rebalaf A pr eTet Explorer es se EE Your recurring rebalance transaction has been added ing on the first rebalance start date and continuing based on the freguency Create a recurring rebalance transaction Select rebalance frequency Every month v Select the day to rebalance your portfolio Last day of the month v Select the starting rebalance date 03 31 2009 ERI mmi dd yyyy Your recurring transactions will begin on the first rebalance date and continue based on the frequency you selected Press the Submit button to create your recurring transaction www nextstepde com n erktste Defined Contribut ion Inc p ments to New Target Step 1 Choose Re Align to New Target from the drop down menu Welcome GARCIA DAVID Log Out Contact Us Help ABC Company Demo 401 k Plan N Transfer Between Investments All Sources Investment Selections Existing Balances NOTE Changes to your existing balances will only affect your current investment balances and will not affect how your future contributions are invested Trade requests received by 4 PM Eastern Time are processed and will be sent for execution on the business day received Trades received after 4 PM Eastern Time will be se
37. t Contact Us ABC Company Demo 401 k Plan Personal Info Step 1 of 5 Personal Information O Beneficiaries O Deferrals Items marked with an asterisk must be completed before you can proceed to the next step O investment Elections false z Username Information Scere Upon logging into the system as 6 12 alphanumeric digits case sensitive Establish your Password mm 6 8 alphanumeric digits case sensitive a N eW U S e r YO U WI b e Re enter Password F Resta a and Password You will need them to access your account via the plan p r O m Dt e d t h r O u g h a S e ri e S of EE screens Begin by updating In the event that you lose your Password please set up the answer to your Lost Password verification question Verification Answer Verification Question Alternate password quote v Your Personal Information U S e r D First Name Last Name Marks Date of Birth mm dd yyyy 12 02 1964 P a S S WO r d Date of hire 08 29 2007 Marital Status ae ai y Personal information Address Line 1 123 Main Street Address Line 2 City San Ramon el Email Postal Code Zip Country EE Enter your information here Office phone number Eg then click Save and Continue If you would like to receive confirmations of transactions please fill out the following information ie AE to mov
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