TOMORROW BECAUSE YOUR - YOUR MYRETIREMENT 401(K) ENROLLMENT GUIDE - FIDELITY INVESTMENTS
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Mercy MyRetirement Program
Because your
TOMORROW
is counting on you
Your MyRetirement 401(k)
Enrollment Guide
Invest some of what you earn today for
what you plan to accomplish tomorrow.
It’s a pleasure to let you know that you will be enrolled in the Mercy Health MyRetirement 401(k)
Plan. Take a look and see what a difference the Plan could make in achieving your goals. If you
have not enrolled in the MyRetirement 401(k) within 30 days of your eligibility date, you will be
automatically enrolled in the Plan at a contribution rate of 6% of your pretax eligible earnings and
your contributions will be invested by the ProManage PROgramTM account management service.
We encourage you to take an active role in the MyRetirement 401(k) and choose a contribution
rate and investment options that are appropriate to you. If you do not wish to contribute to the
Plan, you must change your contribution rate to 0% within the first 30 calendar days of your
eligibility and call Fidelity to opt out of the ProManage PROgramTM.
Benefit from: Roth contribution. Allows you to make
after‑tax contributions to your retirement
Match Contribution. Mercy helps your
savings plan and take any associated earnings
contributions grow through a generous match
completely tax free at retirement—so long
of 50% of the first 4% you contribute to the
as the distribution is a qualified one.
plan and 25% of the next 2%—it’s like getting
“free” money. That’s why it makes good Portability. You can roll over eligible savings
financial sense to contribute at least 6% to the from a previous employer into this Plan.
plan. Both pretax and Roth contributions are You can also take your plan vested account
eligible for Match Contributions, up to 2.5% if balance with you if you leave Mercy.
you contribute at least 6%. Take advantage of
Investment options. You have the flexibility
this great benefit today!
to select from investment options that range
Mercy also makes an annual nonmatching from conservative to aggressive, making
Service Contribution to your account. it easy for you to develop a well-diversified
investment portfolio. Your Plan offers you the
Convenience. Your contributions are
option of having experienced professionals
automatically deducted regularly from your
manage your account for you.
paycheck.
Online beneficiary(ies). With Fidelity’s Online
Tax savings now. Your pretax contributions are
2 Beneficiaries Service, you can designate
deducted from your pay before income taxes
your beneficiaries, receive instant online
are taken out. This means that you can actually
confirmation, and check your beneficiary
lower the amount of current income taxes you
information virtually any time.
pay each period. It could mean more money in
your take-home pay versus saving money in a Participate in your plan and invest
taxable account. in yourself today.
Frequently asked questions about your plan.
Here are answers to questions you may have about the key features,
benefits, and rules of your plan.
When can I enroll in the plan? How do I enroll in the Plan?
If you have not enrolled in the Plan within You can enroll online at
30 days of your date of hire, you will be www.MyRetirementProgram.com. Click the
automatically enrolled at a contribution Enroll Today box on the Homepage and the
rate of 6% of your pretax eligible earnings, system will guide you through the enrollment
excluding certain bonus and other one-time process. You can also enroll by calling the
payments covered under a separate deferral Fidelity Retirement Benefits Line at
election. You will also be enrolled in the 1-800-343-0860.
account management service, the ProManage
What fees will be charged to my account for
PROgramTM. For a small fee, the PROgramTM
the administrative expenses of the plan?
determines and manages your investment
Plan administrative fees may include
mix for you. However, we encourage you
recordkeeping, accounting, trustee, and other
to take an active role in the Plan and to
administrative fees and expenses associated
choose a contribution rate and investment
with maintaining the Plans. Administrative
options that are appropriate for you. If you
fees for the MyRetirement 401(k) Plan are
do not wish to contribute to the Plan, you
$14 per quarter and are deducted from your
must change your contribution rate to 0%
account.
within the first 30 days of your employment.
You may change your contribution rate What is the Roth contribution option?
at any time by logging in to NetBenefits® A Roth contribution to your retirement
at www.MyRetirementProgram.com, or savings plan allows you to make after-
by calling the Fidelity Retirement Benefits tax contributions and take any associated
Line at 1-800-343-0860. To opt out of the earnings completely tax free at retirement—
ProManage PROgramTM, you must contact so long as the distribution is a qualified one. A
the Fidelity Retirement Benefits Line by distribution from a Roth 401(k) is federally tax
phone at 1-800-343-0860 and choose your free and penalty free, provided the five-year
investment options. You cannot opt out online. aging requirement has been satisfied and one
Once you have opted out, you can make of the following conditions is met: age 59½,
disability, or death. State taxes may apply. 3
investment option changes on NetBenefits
at www.MyRetirementProgram.com. Through automatic payroll deduction, you can
contribute from 1% to 75% of your eligible pay
as designated Roth contributions, up to the
annual IRS dollar limits.
For more information, please log in to NetBenefits®
at www.MyRetirementProgram.com and
select Library from the home page.How much can I contribute? Match Contribution:
Through automatic payroll deduction, you may
When You Contribute Mercy Will Match
contribute up to 75% of your eligible pay on a
1% 0.5%
pretax basis, a Roth basis, or a combination
2% 1%
of both, up to the annual IRS dollar limits. A 3% 1.5%
separate contribution election is available for 4% 2%
certain bonus and other one-time payments. 5% 2.25%
In addition, you can automatically increase 6% 2.5%
your contributions each year through the
Service Contribution: This contribution is
Annual Increase Program. You can sign
based on a percentage of your salary for the
up by logging on to Fidelity NetBenefits®
year and is available to all eligible co-workers,
at www.myretirementprogram.com and
even if you do not contribute to the Plan.
clicking on “Contributions” or by calling
1-800-343-0860. Employees determined to If Your Service Is Mercy Will Contribute
be highly compensated may have additional 1–4.99 years 1%
limitations. 5–9.99 years 2%
10–14.99 years 3%
What are the IRS contribution limits?
15 or more years 4%
The IRS contribution limit for 2018 is $18,500.
If you have reached or will reach age 50 Minimum Service Contribution: The Service
during the calendar year (January 1– Contribution will be the greater of the
December 31), your contribution limit percentage of pay shown in the previous table
is $24,500, which includes a “catch-up” and the amount shown in the table below,
contribution of $6,000. prorated if you’ve worked part time or a
partial year.
When is my enrollment effective?
Unless you elect otherwise, you will begin If Your Benefit Service Is Mercy Will Contribute
contributing during the pay period following Less than 3 years $440
your 30th day of employment—your third 3–4 years $550
or fourth paycheck, depending on how 5–9 years $660
payroll periods fall. If you log in and make a 10–14 years $880
contribution election before the 30 days are 15+ years $1,100
up, it will take effect in one to two pay periods.
Does Mercy contribute to my account?
4 Mercy helps you get retirement ready by
making two annual contributions: the Match
Contribution and the Service Contribution. To
be eligible for these contributions, co-workers
must be credited with working 1,000 hours
per year (roughly 20 hours per week and must
be employed on December 15 of the calendar
year). Both contributions are made annually in
February for the prior calendar year.How do I designate my beneficiary? What if I don’t make an investment election?
If you have not already selected your We encourage you to take an active role
beneficiaries, it’s time to consider your in the MyRetirement 401(k) and choose
beneficiary designations. Fidelity’s Online investment options that best suit your goals,
Beneficiaries Service, available through time horizon, and risk tolerance. If you do
Fidelity NetBenefits®, offers a straightforward, not select specific investment options in the
convenient process that takes just Plan, you will be enrolled in the ProManage
minutes. Simply log in to NetBenefits® at PROgramTM, which not only determines an
www.MyRetirementProgram.com and click investment mix for you, but also monitors and
Beneficiaries in the Profile tab. If you do not rebalances your account each year. This is
have access to the Internet or you prefer to the default option—all accounts are initially
complete your beneficiary information by managed by ProManage unless you elect
paper form, please call 1-800-343-0860. otherwise by calling the Fidelity Retirement
Benefits Line at 1-800-343-0860. You
What are my investment options?
cannot opt out of the service online. Please
To help you meet your investment goals,
review the ProManage brochure (included
the Plan offers you a range of options. You
with these new hire materials, posted on
can select a mix of investment options
the MyRetirement Page on Baggot and at
that best suits your goals, time horizon,
www.MyRetirementProgram.com for more
and risk tolerance. The many investment
information on how ProManage determines
options available through the Plan include
your investment mix and what the fees are.
conservative, moderately conservative,
and aggressive funds. Details about your When am I vested?
investment options start on page 9 of this You are always 100% vested in your own
booklet with more information on NetBenefits contributions to the Plan as well as any
at www.MyRetirementProgram.com. earnings on them.
Do I have a self-directed Being vested means the Match and Service
brokerage account option? Contributions are yours to take when you leave
For those desiring the most investment Mercy. You receive one year of vesting service
flexibility and choice, the Plan offers a self- for any part of a calendar year in which you are
directed brokerage option, which gives you credited with working 1,000 hours.
access to individual stocks and bonds as well
All contributions made by Mercy have a three-
as many other mutual funds. A complete
year vesting, which means if you have three
description of the Plan’s investment options 5
or more years of service, the contributions
and their performance, as well as planning
are yours.
tools to help you choose an appropriate mix,
are available online at Fidelity NetBenefits®. Years of Service Vesting Percentage
‹3 0%
3+ 100%Can I take a loan from my account? Can I make withdrawals?
Although your plan account is intended for the Withdrawals from the Plan are generally
future, you may borrow from your account for permitted when you terminate your
any reason. employment, retire, reach age 59½, or if
you become permanently disabled or have
Generally, the Plan allows you to borrow
severe financial hardship, as defined by your
up to 50% of your vested account balance.
plan. You may take a distribution from your
The minimum loan amount is $1,000 and
rollover accounts at any time. The taxable
a loan must not exceed $50,000. You then
portion of your withdrawal that is eligible for
pay the money back into your account, plus
rollover into an individual retirement account
interest, through automatic payments from
(IRA) or another employer’s retirement plan
your bank account. (Any outstanding loan
is subject to 20% mandatory federal income
balances over the previous 12 months may
tax withholding, unless it is rolled directly
reduce the amount you have available to
over to an IRA or another employer plan.
borrow.) You may have one loan outstanding
(You may owe more or less when you file your
at a time. The cost to initiate a loan is $50,
income taxes.) If you are under age 59½, the
and there is a quarterly maintenance fee of
taxable portion of your withdrawal is also
$6.25. The initiation and maintenance fees
subject to a 10% early withdrawal penalty,
will be deducted directly from your individual
unless you qualify for an exception to this
plan account. If you fail to repay your loan
rule. To learn more about and/or to request
(based on the original terms of the loan), it
a withdrawal, log in to Fidelity NetBenefits®
will be considered in “default” and treated
at www.MyRetirementProgram.com or call
as a distribution, making it subject to income
the Fidelity Retirement Benefits Line at
tax and possibly to a 10% early withdrawal
1-800-343-0860. The plan document and
penalty. Defaulted loans may also affect your
current tax laws and regulations will govern in
eligibility to request additional loans. Be
case of a discrepancy. Be sure you understand
sure you understand the Plan guidelines and
the tax consequences and your plan’s rules for
impact of taking a loan before you initiate a
distributions before you initiate a distribution.
loan from your plan account.
You may want to consult your tax advisor about
To learn more about or to request a loan, your situation.
log in to www.MyRetirementProgram.com
When you leave Mercy, you can withdraw
or call the Fidelity Retirement Benefits Line
contributions and any associated earnings
at 1-800-343-0860.
or, if your vested account balance is greater
6
than $1,000, you can leave contributions
and any associated earnings in the Plan.
After you leave Mercy, if your vested account
balance is equal to or less than $1,000, it will
automatically be distributed to you.Can I move money from another Where do I get more information?
retirement plan into my account in the You can access your account and find
MyRetirement 401(k)? informative videos and articles along with
You are permitted to roll over eligible pretax many retirement planning tools on NetBenefits
contributions from another 401(k) plan, 401(a) at www.MyRetirementProgram.com.
plan, 403(b) plan, or traditional IRA.
You can also call the Fidelity Retirement
See the Transfer/Rollover/Exchange Form Benefits Line at 1-800-343-0860 to speak
at the end of this Guide for incoming with a representative who is familiar with your
rollovers, or call the Fidelity Retirement plan from 7:30 a.m. to 11:00 p.m. Central time,
Benefits Line at 1-800-343-0860 or use the automated voice response system,
or log in to Fidelity NetBenefits® at virtually 24 hours a day, 7 days a week.
www.MyRetirementProgram.com for details.
The MyRetirement page on Baggot, Mercy’s
internal site, has links to the website, as
well as other helpful information—including
a link to the orientation presentation. Email
Mercy’s retirement team with questions at
MyRetirementProgram@Mercy.net.
This enrollment guide provides you with an overview of the MyRetirement 401(k) Plan benefits. It
covers only the key features of the program and is not intended to be a complete detailed summary. If
any conflict occurs between this material and the plan documents that define this program, the plan
documents will govern.
The plan sponsor and the individual employers who have co-workers covered under this plan will
be referred to as “Mercy” throughout this document. The plans are administered by the Benefits
Committee appointed by Mercy Health. Certain administrative functions have been delegated to the
Retirement Administrative Committee. The plan sponsor may amend or terminate the plan. The plan
is governed by the Internal Revenue Code rules pertaining to Church plans and is not subject to the
Employee Retirement Income Security Act. 7What is the Roth 401(k) Contribution Option?
A Roth contribution is available to employees How does a Roth 401(k) contribution
who participate in the 401(k) plan. For payroll option work?
purposes, Roth contributions are treated as You elect an amount of your salary that you
after tax. This feature will allow participants wish to contribute to the Roth source, just
to make Roth contributions to their plan while as you would for your traditional 401(k).
taking their earnings completely federally tax The contribution is based on your eligible
free at retirement—so long as the withdrawal compensation, not on your net pay—for
is a qualified one. A distribution from a Roth example, if your total annual eligible
401(k) is federally tax free and penalty free, compensation is $40,000 per year and you
provided the five-year aging requirement elect a 6% deferral amount, then $2,400 per
has been satisfied and one of the following year would go into your Roth 401(k) account.
conditions is met: age 59½, disability, or death.
Unlike your traditional 401(k) pretax
State taxes may apply.
contribution, with a Roth 401(k) contribution
If you qualify to make traditional 401(k) you pay the taxes now on the contributions you
contributions, you are eligible for a Roth make—but later your earnings are all tax free,
401(k) contribution. if you meet certain criteria.
Example: Sally earns $40,000 and has elected
to put 6% toward her Roth 401(k) contributions
and 6% toward her traditional 401(k) pretax
contributions on a monthly basis.
TRADITIONAL
ROTH 401(k)* 401(k)*
Sally’s monthly
contribution into $200 $200
each account
Sally’s reduction in
$200 $150
take-home pay
*This hypothetical example is based solely on an assumed federal
income tax rate of 25%. No other payroll deductions are taken into
account. Your own results will be based on your individual tax situation.
Your combined Roth and traditional pretax 401(k) contributions
8 cannot exceed the IRS limits for the year.Investment Options
Here is a list of investment options for the MyRetirement 401(k) Plan. For up-to-date
performance information and other fund specifics, log in to www.MyRetirementProgram.com.
To discuss your objectives and options, contact a Fidelity Retirement Representative for a one-
on-one discussion at 1-800-343-0860.
Stock Investment Options Ticker
DFA U.S. Targeted Value Portfolio Institutional Class DFFVX
Dodge & Cox International Stock Fund DODFX
Oppenheimer Developing Markets Fund Class I ODVIX
Oppenheimer International Growth Fund Class I OIGIX
Vanguard Explorer Fund Admiral Shares VEXRX
Vanguard Extended Market Index Fund Institutional Plus Shares VEMPX
Vanguard Institutional Index Fund Institutional Plus Shares VIIIX
Vanguard Total International Stock Index Fund Institutional Plus Shares VTPSX
Balanced/Hybrid Investment Option Ticker
Principal Diversified Real Asset Fund Class R-6 PDARX
Bond Investment Options Ticker
Baird Aggregate Bond Fund Class Institutional BAGIX
Vanguard Inflation-Protected Securities Fund Institutional Shares VIPIX
Vanguard Intermediate-Term Bond Index Fund Institutional Plus Shares VBIUX
Vanguard Short-Term Bond Index Fund Admiral Shares VBIRX
Short-Term Investment Option Ticker
9
JPMorgan U.S. Government Money Market Fund Capital Shares OGVXXInvestment options to the left have potentially Investment options to the right have potentially
more inflation risk and less investment risk less inflation risk and more investment risk
Money Market
(or Short Balanced/ International/
Term) Bond Hybrid Domestic Equity Global Equity
JPMorgan U.S. Diversified Principal Large Blend Diversified
Government Diversified
Baird Vanguard Dodge & Cox
Money Market Real Asset
Aggregate Institutional International
Fund Capital Fund Class
Bond Fund Index Fund Stock Fund
Shares R-6
Class Institutional
Oppenheimer
Institutional Plus Shares
International
Vanguard Growth Fund
Mid Blend
Intermediate- Class I
Term Bond Vanguard
Vanguard Total
Index Fund Extended
International
Institutional Market
Stock
Plus Shares Index Fund
Index Fund
Institutional
Vanguard Institutional
Plus Shares
Short-Term Plus Shares
Bond Index
Small Value Small Growth Emerging
Fund Admiral
Markets
Shares DFA U.S. Vanguard
Targeted Explorer Oppenheimer
Inflation-
Value Portfolio Fund Admiral Developing
Protected
Institutional Shares Markets Fund
Vanguard Class Class I
Inflation-
Protected
Securities
Fund
Institutional
Shares
This spectrum, with the exception of the Domestic Equity category, is based on Fidelity’s analysis of the characteristics of the general
investment categories of the investment options and not on the actual security holdings, which can change frequently. Investment
options in the Domestic Equity category are based on the options’ Morningstar categories as of 11/30/2017. Morningstar categories
10 are based on a fund’s style as measured by its underlying portfolio holdings over the past three years and may change at any time.
These style calculations do not represent the investment options’ objectives and do not predict the investment options’ future styles.
Investment options are listed in alphabetical order within each investment category. Risk associated with the investment options can
vary significantly within each particular investment category, and the relative risk of categories may change under certain economic
conditions. For a more complete discussion of risk associated with the mutual fund options, please read the prospectuses before
making your investment decision. The spectrum does not represent actual or implied performance.Fidelity BrokerageLink ®
Fidelity BrokerageLink® combines the convenience of your workplace
retirement plan with the additional flexibility of a brokerage account.
BrokerageLink includes investments beyond those in your plan’s lineup.
The plan fiduciary neither evaluates nor monitors the investments
available through BrokerageLink. It is your responsibility to ensure that
the investments you select are suitable for your situation, including
your goals, time horizon, and risk tolerance. See the fact sheet and
commission schedule for applicable fees and risks.
11Investment Option Descriptions
Before investing in any mutual fund, consider the investment objectives, risks, charges, and
expenses. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this
information. Read it carefully.
Ticker: This is also called the “trading” symbol for the fund. If the fund is listed and traded on any of the major
exchanges, this is the code that is used to identify the fund.
Baird Aggregate Bond Fund Class Institutional
Ticker: BAGIX
Objective: The investment seeks an annual rate of total return, before fund expenses, greater than the annual rate of
total return of the Barclays U.S. Aggregate Bond Index.
Strategy: The fund normally invests at least 80% of its net assets in the following types of U.S. dollar–denominated
debt obligations: U.S. government and other public-sector entities, asset-backed and mortgage-backed obligations
of U.S. and foreign issuers, and corporate debt of U.S. and foreign issuers. It only invests in debt obligations rated
investment grade at the time of purchase by at least one major rating agency or, if unrated, determined by Robert W.
Baird & Co. Incorporated to be investment grade.
Risk: In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates
rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed
income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike
individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding
them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other
product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase
in share price.
• Someone who is seeking to diversify an equity portfolio with a more conservative investment option.
This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed
information about the fund.
The Barclays U.S. Aggregate Bond Index is an unmanaged market value–weighted index for U.S. dollar–denominated investment-
grade fixed-rate debt issues, including government, corporate, asset-backed, and mortgage-backed securities with maturities of at
least one year.
12DFA U.S. Targeted Value Portfolio Institutional Class Ticker: DFFVX Objective: The investment seeks long-term capital appreciation. Strategy: The U.S. Targeted Value Portfolio, using a market capitalization weighted approach, purchases a broad and diverse group of the readily marketable securities of U.S. small and mid cap companies that the Advisor determines to be value stocks. The U.S. Targeted Value Portfolio may use derivatives, such as futures contracts and options on futures contracts for U.S. equity securities and indices, to adjust market exposure based on actual or expected cash inflows to or outflows from the Portfolio. Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies. Value stocks can perform differently than other types of stocks and can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Who may want to invest: • Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. • Someone who is comfortable with value-style investments and the potentially greater volatility of investments in smaller companies. A mutual fund registered under DFA Investment Dimensions Group Inc., and managed by Dimensional Fund Advisors LP. This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund. Dodge & Cox International Stock Fund Ticker: DODFX Objective: The investment seeks long-term growth of principal and income. Strategy: The fund invests primarily in a diversified portfolio of equity securities issued by non-U.S. companies from at least three different countries, including emerging market countries. It will invest at least 80% of its total assets in common stocks, preferred stocks, securities convertible into common stocks, and securities that carry the right to buy common stocks of non-U.S. companies. The fund invests primarily in medium to large well-established companies based on standards of the applicable market. It may also invest directly or indirectly in restricted securities of U.S. and non-U.S. companies. Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which may be magnified in emerging markets. Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Who may want to invest: • Someone who is seeking to complement a portfolio of domestic investments with international investments, which 13 can behave differently. • Someone who is willing to accept the higher degree of risk associated with investing overseas. A mutual fund registered under Dodge & Cox Funds, and managed by Dodge & Cox. This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.
JPMorgan U.S. Government Money Market Fund Capital Shares
Ticker: OGVXX
Objective: The investment seeks high current income with liquidity and stability of principal.
Strategy: The fund normally invests its assets exclusively in debt securities issued or guaranteed by the U.S.
government, or by U.S. government agencies or instrumentalities, and repurchase agreements fully collateralized by
U.S. Treasury and U.S. government securities. The dollar-weighted average maturity of the fund will be 60 days or less
and the dollar-weighted average life to maturity will be 120 days or less. The fund may invest significantly in securities
with floating or variable rates of interest. Their yields will vary as interest rates change.
Risk: You could lose money by investing in a money market fund. Although the fund seeks to preserve the value of your
investment at $1.00 per share, it cannot guarantee it will do so. An investment in the fund is not insured or guaranteed
by the Federal Deposit Insurance Corporation or any other government agency. The fund’s sponsor has no legal
obligation to provide financial support to money market funds and you should not expect that the sponsor will provide
financial support to the fund at any time. Additional risk information for this product may be found in the prospectus or
other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment
relatively stable.
• Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular
asset allocation.
A mutual fund registered under JP Morgan Trust II, and managed by J.P. Morgan Investment Management Inc. This description is only
intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.
For money market funds, weighted average life (WAL) is the weighted average of the life of the securities held in a fund or portfolio,
and can be used as a measure of sensitivity to changes in liquidity and/or credit risk. Generally, the higher the value, the greater the
sensitivity. WAL is based on the dollar-weighted average length of time until principal payments must be paid, taking into account
any call options exercised by the issuer and any permissible maturity shortening features other than interest rate resets. For money
market funds, the difference between weighted average maturity (WAM) and WAL is that WAM takes into account interest rate resets
and WAL does not. WAL for money market funds is not the same as WAL of a mortgage- or asset-backed security.
14Oppenheimer Developing Markets Fund Class I
Ticker: ODVIX
Objective: The investment seeks capital appreciation.
Strategy: The fund mainly invests in common stocks of issuers in developing and emerging markets throughout the
world and at times it may invest up to 100% of its total assets in foreign securities. Under normal market conditions, it
will invest at least 80% of its net assets, plus borrowings for investment purposes, in equity securities of issuers whose
principal activities are in a developing market, i.e., are in a developing market or are economically tied to a developing
market country. The fund will invest in at least three developing markets.
Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of
which may be magnified in emerging markets. Stock markets are volatile and can decline significantly in response
to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this
product may be found in the prospectus or other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is willing to accept the higher degree of risk associated with investing in emerging markets.
• Someone who is seeking to complement a portfolio of domestic investments and/or international investments in
developed countries with investments in developing countries, which can behave differently.
A mutual fund registered under Oppenheimer Developing Markets Fund, and managed by OFI Global Asset Management, Inc. This
description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about
the fund.
Oppenheimer International Growth Fund Class I
Ticker: OIGIX
Objective: The investment seeks capital appreciation.
Strategy: The fund mainly invests in the common stock of growth companies that are domiciled or have their primary
operations outside of the United States. It may invest 100% of its assets in securities of foreign companies. The fund may
invest in emerging markets as well as in developed markets throughout the world. It normally will invest at least 65% of its
total assets in common and preferred stocks of issuers in at least three different countries outside of the United States, and
emphasize investments in common stocks of issuers that the portfolio managers consider to be “growth” companies.
Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of
which may be magnified in emerging markets. Growth stocks can perform differently from the market as a whole and
can be more volatile than other types of stocks. Stock markets are volatile and can decline significantly in response
to adverse issuer, political, regulatory, market, economic or other developments. Additional risk information for this
product may be found in the prospectus or other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking to complement a portfolio of domestic investments with international investments, which
can behave differently.
• Someone who is willing to accept the higher degree of risk associated with investing overseas.
15
A mutual fund registered under Oppenheimer International Growth Fund, and managed by OFI Global Asset Management, Inc. This
description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.Principal Diversified Real Asset Fund Class R-6
Ticker: PDARX
Objective: The investment seeks a long-term total return in excess of inflation.
Strategy: Under normal circumstances, the fund invests at least 80% of its net assets, plus any borrowings for
investment purposes, in investments related to real assets and real asset companies. It seeks to achieve its investment
objective by allocating its assets among general investment categories related to real assets and real asset companies
(which include tangible assets and investments that are expected to perform well in periods of rising or high inflation).
Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of which
may be magnified in emerging markets. Stock markets are volatile and can decline significantly in response to adverse
issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets.
In general the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond
prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income
securities also carry inflation risk and credit and default risks for both issuers and counterparties. Additional risk
information for this product may be found in the prospectus or other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking to invest in a fund that invests in both domestic and international stocks and bonds.
• Someone who is seeking the potential both for income and for long-term share-price appreciation and who is willing
to accept the potentially greater volatility of the foreign bond and stock markets.
This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed
information about the fund.
Vanguard Explorer Fund Admiral Shares
Ticker: VEXRX
Objective: The investment seeks to provide long-term capital appreciation.
Strategy: The fund invests mainly in the stocks of small companies. These companies tend to be unseasoned but
are considered by the fund’s advisors to have superior growth potential. Also, these companies often provide little
or no dividend income. It uses multiple investment advisors.
Risk: The securities of smaller, less well-known companies can be more volatile than those of larger companies.
Growth stocks can perform differently from the market as a whole and can be more volatile than other types of stocks.
Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market,
economic or other developments. These risks may be magnified in foreign markets. Additional risk information for
this product may be found in the prospectus or other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking the potential for long-term share-price appreciation.
• Someone who is willing to accept the generally greater price volatility associated both with growth-oriented stocks
and with smaller companies.
16 A mutual fund registered under Vanguard Explorer Fund, and managed by Vanguard Group, Inc. This description is only intended
to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.Vanguard Extended Market Index Fund Institutional Plus Shares Ticker: VEMPX Objective: The investment seeks to track the performance of a benchmark index that measures the investment return of small- and mid-capitalization stocks. Strategy: The fund employs an indexing investment approach designed to track the performance of the Standard & Poor’s Completion Index, a broadly diversified index of stocks of small and mid-size U.S. companies. It invests all, or substantially all, of its assets in stocks of its target index, with nearly 80% of its assets invested in approximately 1,000 of the stocks in its target index, and the rest of its assets in a representative sample of the remaining stocks. Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long periods of time. The securities of smaller, less well-known companies can be more volatile than those of larger companies. Stock markets are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments. These risks may be magnified in foreign markets. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None Who may want to invest: • Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income. • Someone who is seeking both growth- and value-style investments and who is willing to accept the generally greater volatility of investments in smaller companies. A mutual fund registered under Vanguard Index Funds, and managed by Vanguard Group, Inc. This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund. The S&P Completion Index contains all of the U.S. common stocks regularly traded on the New York and American Stock Exchanges and the Nasdaq over-the-counter market, except those stocks included in the S&P 500 Index. Vanguard Inflation-Protected Securities Fund Institutional Shares Ticker: VIPIX Objective: The investment seeks to provide inflation protection and income consistent with investment in inflation- indexed securities. Strategy: The fund invests at least 80% of its assets in inflation-indexed bonds issued by the U.S. government, its agencies and instrumentalities, and corporations. It may invest in bonds of any maturity; however, its dollar-weighted average maturity is expected to be in the range of 7 to 20 years. At a minimum, all bonds purchased by the fund will be rated investment-grade or, if unrated, will be considered by the advisor to be investment-grade. Risk: The interest payments of TIPS are variable; they generally rise with inflation and fall with deflation. In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other product materials, if available. Short-term Redemption Fee Note: None 17 Who may want to invest: • Someone who is seeking potential returns primarily in the form of interest dividends and who can tolerate more frequent changes in the size of dividend distributions than those usually found with more conservative bond funds. • Someone who is seeking to supplement his or her core fixed-income holdings with a bond investment that is tied to changes in inflation. A mutual fund registered under Vanguard Fixed Income Securities Funds, and managed by Vanguard Group, Inc. This description is only intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.
Vanguard Institutional Index Fund Institutional Plus Shares
Ticker: VIIIX
Objective: The investment seeks to track the performance of a benchmark index that measures the investment return
of large-capitalization stocks.
Strategy: The fund employs an indexing investment approach designed to track the performance of the Standard &
Poor’s 500 Index, a widely recognized benchmark of U.S. stock market performance that is dominated by the stocks of
large U.S. companies. It attempts to replicate the target index by investing all, or substantially all, of its assets in the
stocks that make up the index, holding each stock in approximately the same proportion as its weighting in the index.
Risk: Value and growth stocks can perform differently from other types of stocks. Growth stocks can be more volatile.
Value stocks can continue to be undervalued by the market for long periods of time. Stock markets are volatile and
can decline significantly in response to adverse issuer, political, regulatory, market, economic or other developments.
These risks may be magnified in foreign markets. Additional risk information for this product may be found in the
prospectus or other product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking the potential for long-term share-price appreciation and, secondarily, dividend income.
• Someone who is seeking both growth- and value-style investments and who is willing to accept the volatility
associated with investing in the stock market.
A mutual fund registered under Vanguard Institutional Index Funds, and managed by Vanguard Group, Inc. This description is only
intended to provide a brief overview of the fund. Read the fund’s prospectus for more detailed information about the fund.
The S&P 500® Index is a registered service mark of The McGraw-Hill Companies, Inc., and has been licensed for use by Fidelity
Distributors Corporation and its affiliates. It is an unmanaged index of the common stock prices of 500 widely held U.S. stocks that
includes the reinvestment of dividends.
Vanguard Intermediate-Term Bond Index Fund Institutional Plus Shares
Ticker: VBIUX
Objective: The investment seeks to track the performance of a market-weighted bond index with an intermediate-term
dollar-weighted average maturity.
Strategy: The fund employs an indexing investment approach designed to track the performance of the Barclays
U.S. 5–10 Year Government/Credit Float Adjusted Index. This index includes all medium and larger issues of U.S.
government, investment-grade corporate, and investment-grade international dollar–denominated bonds that have
maturities between 5 and 10 years and are publicly issued. All of the fund’s investments will be selected through the
sampling process, and at least 80% of the fund’s assets will be invested in bonds held in the index.
Risk: In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates
rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed
income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike
individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding
them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other
product materials, if available.
Short-term Redemption Fee Note: None
18 Who may want to invest:
• Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase
in share price.
• Someone who is seeking to diversify an equity portfolio with a more conservative investment option.
This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed
information about the fund.Vanguard Short-Term Bond Index Fund Admiral Shares
Ticker: VBIRX
Objective: The investment seeks to track the performance of a market-weighted bond index with a short-term dollar-
weighted average maturity.
Strategy: The fund employs an indexing investment approach designed to track the performance of the Bloomberg
Barclays U.S. 1–5 Year Government/Credit Float Adjusted Index. This index includes all medium and larger issues of
U.S. government, investment-grade corporate, and investment-grade international dollar-denominated bonds that
have maturities between 1 and 5 years and are publicly issued. All of its investments will be selected through the
sampling process, and at least 80% of its assets will be invested in bonds held in the index.
Risk: In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates
rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed
income securities also carry inflation risk and credit and default risks for both issuers and counterparties. Unlike
individual bonds, most bond funds do not have a maturity date, so avoiding losses caused by price volatility by holding
them until maturity is not possible. Additional risk information for this product may be found in the prospectus or other
product materials, if available.
Short-term Redemption Fee Note: None
Who may want to invest:
• Someone who is seeking potential returns primarily in the form of interest dividends rather than through an increase
in share price.
• Someone who is seeking to diversify an equity portfolio with a more conservative investment option.
This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed
information about the fund.
The Bloomberg Barclays U.S. Government/Credit Float Adjusted 1–5 Year Bond Index includes all medium and larger issues of
U.S. government, investment-grade corporate, and investment-grade international dollar-denominated bonds that have maturities
between 1 and 5 years and are publicly issued.
19Vanguard Total International Stock Index Fund Institutional Plus Shares
VRS code: 77940
Ticker: VTPSX
Objective: The investment seeks to track the performance of a benchmark index that measures the investment return
of stocks issued by companies located in developed and emerging markets, excluding the United States.
Strategy: The fund employs an indexing investment approach designed to track the performance of the FTSE Global
All Cap ex US Index, a float-adjusted market-capitalization-weighted index designed to measure equity market
performance of companies located in developed and emerging markets, excluding the United States. The index
includes approximately 5,800 stocks of companies located in over 45 countries.
Risk: Foreign securities are subject to interest-rate, currency-exchange-rate, economic, and political risks, all of
which may be magnified in emerging markets. Value and growth stocks can perform differently from other types
of stocks. Growth stocks can be more volatile. Value stocks can continue to be undervalued by the market for long
periods of time. Stock markets are volatile and can decline significantly in response to adverse issuer, political,
regulatory, market, economic or other developments. Additional risk information for this product may be found in the
prospectus or other product materials, if available.
Short-term redemption fee: None
Who may want to invest: Someone who is seeking to complement a portfolio of domestic investments with
international investments, which can behave differently; Someone who is willing to accept the higher degree of risk
associated with investing overseas.
This description is only intended to provide a brief overview of the mutual fund. Read the fund’s prospectus for more detailed
information about the fund.
The FTSE Global All Cap ex US Index is part of a range of indices designed to help US investors benchmark their international
investments. The index comprises large, mid and small cap stocks globally excluding the US.
20Transfer/Rollover/Exchange Form
Instructions
Reference the instructions below while completing the form. For additional assistance, please contact Fidelity Investments at
1-800-343-0860 or, for the hearing impaired, 1-800-259-9743 (TTY), Monday through Friday, 8 a.m. to midnight Eastern time
(excluding New York Stock Exchange holidays, except Good Friday).
1. YOUR INFORMATION
Please provide your information in this section.
2. INVESTMENT PROVIDER YOU ARE MOVING MONEY FROM
Please review your most recent statement for this name and address, and include a copy of the statement with this form. Please contact
your previous investment provider to see if additional paperwork is required.
3. ACCOUNT(S) OR CONTRACT(S) TO MOVE
Account or Contract Number: This number is available on your previous investment provider account statement. If you are
unable to locate this number on your statement, please contact the investment provider. If you do not provide an account or contract
number, we will use your Social Security number or U.S. Tax Identification number to request the assets to be moved.
Type of Account or Contract: If you are unsure of the type of account or contract, please contact the Previous Investment Provider
or refer to your statement. Select at least one.
The Account or Contract Number is from: Please see the descriptions below that relate to each of the four transactions. If you
choose “A Previous Employer,” provide the name of that employer.
The Same Employer as My Employer Plan with Fidelity. Movement of assets from 403(b) to 403(b) will be requested as a
vendor or contract exchange. Movement of money between the same plan types, excluding 403(b) plans [401(a) to 401(a), 401(k)
to 401(k), 457(b) to 457(b)], will be requested as an in-plan transfer. Movement of money between different plan types will be
requested as a rollover.
A Previous Employer. For 403(b) and 401(a)/(k) plans, this is a rollover transaction. For governmental 457(b) plans, this is a
rollover unless Fidelity receives direction to process as a transfer.
A Rollover IRA. This is a rollover transaction. After-tax value may not be rolled from an IRA.
A Traditional IRA or SEP IRA. This is a rollover transaction. Roth IRAs and Coverdell IRAs cannot be accepted.
Liquidation Amount: Specify the amount of money you want moved to your Fidelity account. If you choose “Full Liquidation/100%,”
Fidelity will request your full balance. If you choose “Partial Liquidation,” Fidelity will request the dollar amount or percentage you
specify. If you do not specify an amount, Fidelity will move/liquidate 100%. If you are moving 457(b) assets, please be aware that
governmental 457(b) assets must be moved into a governmental 457(b) plan, and nongovernmental 457(b) assets must be moved into
a nongovernmental 457(b) plan. Transfers from nongovernmental 457(b) plans are not provided for on this form. Talk with your plan
sponsor or call Fidelity to discuss transfers from nongovernmental 457(b) plans. Rollovers from 403(b) plans, 401(a)/401(k) plans,
and IRAs to governmental 457(b) plans must be recordkept in separate rollover sources to limit the distributions that may be subject
to a 10% early distribution penalty.
4. YOUR FIDELITY ACCOUNT INFORMATION
If you do not have a retirement account with Fidelity for the employer listed here, you must complete the enroll-
ment process. For help with enrollment, please contact Fidelity at 1-800-343-0860 or for the hearing impaired
1-800-259-9743 (TTY).
Employer Sponsoring Your Fidelity Retirement Account: The employer name appears on your Fidelity account statement or
in your enrollment paperwork.
Plan Type with this employer: This information is required to ensure that Fidelity credits your assets to the proper account. Please
contact Fidelity at 1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) if you do not know your plan type.
Plan Number: Please provide the plan number if you have multiple retirement plan accounts with Fidelity. Please contact Fidelity at
1-800-343-0860 or for the hearing impaired 1-800-259-9743 (TTY) to obtain the plan number.
0223800015. INVESTMENT INSTRUCTIONS
Would you like the assets invested in your current investment selection? If “Yes” is selected, your assets will
be allocated to your current investment selection on file with Fidelity. If you do not select “Yes,” please list the fund
names, fund codes (if known), and percentages. Please ensure that the percentages equal 100%. Please list any
additional funds on a separate page and attach it to this form.
Fund Name: List the fund name(s) you want your assets credited to.
Fund Code: Provide the four-digit fund code(s) (if known).
Percentage: Please ensure that the percentages listed equal 100%.
Note: If no investment options are selected, your investment instructions are incomplete or invalid, or the percentages listed are
less than or exceed 100%, your entire contribution will be defaulted to the investment elections on file with Fidelity. If you have no
investment elections on file, your entire contribution will be defaulted to the investment option specified in the agreement currently
in place with Fidelity for the Plan.
6. EMPLOYER PLAN ACCEPTANCE
Employer Authorized Signature: An authorized signature from the employer that sponsors your Fidelity retirement account may
be required. To verify if this section needs to be signed, contact your Human Resources office or Fidelity at 1-800-343-0860 or for
the hearing impaired 1-800-259-9743 (TTY).
7. DUPLICATE DISPOSITION LETTER REqUEST
Entering a name and address in this section requests and authorizes Fidelity to send a duplicate disposition (status) letter to the
individual listed for this request only.
8. SIGNATURE AND DATE
Please read the legal information provided in this section and then sign and date the form. We
are unable to process your request without your signature and the date.
Transfer/Rollover/Exchange Form Checklist:
Here is a checklist to ensure that your request is in good order.
Please remember to:
Include your most recent account statement from your previous investment provider
Indicate the amount or percentage of money you are moving to Fidelity
Obtain the Employer Authorized Signature. Contact your Human Resources office or Fidelity to verify if this
is required.
Sign and date in Section 8 of the form
Return this form in the enclosed postage-paid envelope OR
If you are sending this using an overnight delivery
Return to: service, please send to:
Fidelity Investments Fidelity Investments
P.O. Box 770002 100 Crosby Parkway, Mailzone KC1E
Cincinnati, OH 45277-0090 Covington, KY 41015
Please contact your previous investment provider to see if additional paperwork is required.You can also read
