Johnson Service Group, Inc. 401(k) Retirement Savings Plan .
Johnson Service Group, Inc. 401(k) Retirement Savings Plan - ContractEmployeesBeneficiary FormSocial Security No.:- -You may name anyone you wish as your beneficiary. However, if you are married and you name someone other than your spouse as beneficiaryfor all or part of the benefits payable, your spouse must consent to the beneficiary designation and complete Section 5. If your spouse does notcomplete Section 5, your beneficiary will be your spouse. Remember that changes in marital status may affect your beneficiary designations,so be sure to keep your designation current.Submit this completed form to your plan adminstrator.4. Beneficiary DesignationI name the following individual(s) to receive my plan benefits in the event of my death in accordance with the terms of the plan. Thisbeneficiary designation cancels and replaces all prior designations and settlement agreements which I have made under the plan. Benefitswill be paid to my primary beneficiary(ies) if living. Benefits will be paid to my contingent beneficiary(ies) only if none of my primarybeneficiaries are living.Percentages below must equal 100% for Primary Beneficiary(ies).-andPercentages below must also equal 100% for Contingent (Secondary) Beneficiary(ies) - if any.Primary Plan Beneficiary(ies) - Will receive benefits in the event of your death.Beneficiary Name(s) and Address(es)RelationshipDate of BirthSocial Security NumberShare ofBenefits (%)Contingent Plan Beneficiary(ies) - Will receive benefits if no primary beneficiary is living at the time of your death.Beneficiary Name(s) and Address(es)RelationshipDate of BirthSocial Security NumberShare ofBenefits (%)NOTE: If you do not designate a percentage for your primary beneficiaries, the benefit will be equally divided among your primary beneficiaries who survive you. Ifno primary beneficiary survives you and you do not designate a percentage for your contingent beneficiaries, the benefit will be equally divided among yourcontingent beneficiaries who survive you. If no beneficiary survives you, benefits will be paid as provided under the plan.Participant SignatureDateSigned at (City and State)DateParticipant Name800926-0001
Johnson Service Group, Inc. 401(k) Retirement Savings Plan - Contract Employees Beneficiary FormSocial Security No.:- -5. Spousal Consent - This section must be completed if your spouse is not designated (100%) as Primary BeneficiaryI, spouse of , hereby consent to the designation of the beneficiary(ies) named on thisform. I understand that my spouse has designated someone other than (or in addition to) myself as a beneficiary to receive benefits under thisplan. I understand the financial impact of this designation. I also understand that my consent to this designation is irrevocable.By signing below, I hereby waive all rights to the pre-retirement survivor benefit with respect to that portion of the plan benefits payable to abeneficiary other than myself.Spouse NameSpouse SignatureDateNotary Public or Plan Representative Signature Required:Subscribed and sworn to me before thisday of,SignatureState2County800926-000
Welcome to the Johnson Service Group, Inc. 401(k) Retirement SavingsPlan - Contract EmployeesEnroll today!1. Online Enrollment InstructionsPLEASE READ CAREFULLYYou must designate a beneficiary by completing section 4 and submitting it to your plan administrator.Please Note: You can enroll today or any day in the future. Generally, the contribution you elect will go into effect on the plan’snext entry date; however, you will need to check with your employer to find out the exact date your payroll deductions willstart. Refer to your enrollment workbook or Summary Plan Description for your plan’s specific entry dates.To Enroll Online Log into:www.TA-Retirement.comIn order to enroll online you will need to provide us with your current e-mail address. If you do not have an e-mail address you canenroll via the telephone. Please refer to the telephone instructions on the next page. Click on the First time user? Register here link located on the top left-hand cornerof your screen within the “Your Account: LOGIN” section. Select “I am an employee” and click Continue. Enter your Social Security Number and click Continue. Enter your Date of Birth and ZIP/Postal Code and click Next. Create your own unique Username and Password and click Next. Agree to the site Terms of Use. Agree to the Consent to Do Business Electronically agreement. On the Welcome to Plan Enrollment screen, please click on Start. From this point forward follow the simple online instructions which will help you setup or make changes to yourcontribution rate, investment choices, and future contribution elections.If you cannot enroll online please see next page for Telephone Enrollment Instructions.By completing the enrollment process online, you are authorizing payroll deduction of plan contributions. Authorization of plan contributions constitutes a “cashor deferred arrangement” under Section 401(k) of the Internal Revenue Code and such contributions are subject to the withdrawal restrictions of the plan.Contributions can be received in cash rather than contributing them to the plan. Contributions made to the plan are subject to certain limitations imposed byFederal law and these contributions may be refunded to comply with these laws. By submitting this authorization online, you understand that neither JohnsonService Group, Inc., the plan trustee, their affiliates nor their investment choices are liable for any loss when acting upon your instructions believed to begenuine.800926-0001
Welcome to the Johnson Service Group, Inc. 401(k) Retirement SavingsPlan - Contract EmployeesEnroll today!2. Telephone Enrollment InstructionsTo Enroll by Phone:1-800-401-TRAN (8726)To utilize the phone enrollment process you will need to use a touchtone phone.Press 1 for EnglishPress 2 for SpanishYou will then be prompted to enter your 9 digit Social Security number followedby the pound sign (#) and your 4 digit PIN (Personal Identification Number).Your default PIN is your month and day of birth in MMDD format*, followedby the pound sign (#).1. PERSONALIZE YOUR PINAs a first time user, you will be prompted to change your PIN on initial use. The system will request you to enter yournew 4 digit PIN, followed by the pound sign (#). Re-enter your 4 digit PIN, followed by the pound sign (#) to confirm.A message will indicate that your PIN was changed successfully. A confirmation will be mailed to your address.2. ONLINE ENROLLMENT DISCLOSUREYou will be asked to complete the online enrollment process. The disclosure message will ask you if you agree to theterms and conditions of utilizing the online enrollment process. Listen carefully to the terms and conditions, Press 1to agree to the terms and conditions of online enrollment.3. SET UP DEFERRAL/CONTRIBUTION RATEYour contribution rate is the amount that will be withheld from each paycheck. Enter the rate to be withheld from eachpaycheck followed by the pound sign (#). Press 1 to confirm the rate. The contribution rate you select will be sent toyour employer to be deducted from your paycheck based on payroll cutoff dates.4. SET UP INVESTMENT ELECTIONS (See Investment Choices Worksheet)Your contributions will be invested according to the selections you make here. You will be prompted to enter thepercentage to be allocated to each investment option in your plan until the total allocated equals 100%.Percentages must be in whole percentage increments. Press 1 to confirm your elections. A confirmation will be mailedto your address.You have successfully completed the phone enrollment process and you may now hang up to end the call or hold and you willbe connected to the main menu.*If we do not have a date of birth on file, your PIN is a randomly generated number as indicated in your enrollment letterBy completing the enrollment process by phone, you are authorizing payroll deduction of plan contributions. Authorization of plan contributions constitutes a“cash or deferred arrangement” under Section 401(k) of the Internal Revenue Code and such contributions are subject to the withdrawal restrictions of theplan. Contributions can be received in cash rather than contributing them to the plan. Contributions made to the plan are subject to certain limitations imposedby Federal law and these contributions may be refunded to comply with these laws. By submitting this authorization by phone, you understand that neitherJohnson Service Group, Inc., the plan trustee, their affiliates nor their investment choices are liable for any loss when acting upon your instructions believed tobe genuine.2800926-000
3. Investment Mix WorksheetThis worksheet is designed to help you enter your investment selections during the enrollment process. Please don't submit thisworksheet.To create your own investment portfolio, just select from the following available investment choices. All elections must be in wholepercentages and total 100%. If you elect to join the plan and fail to make an investment election, or your elections do not equal 100%, yourcontribution will be invested in X6 BlackRock Global Allocation Ret Opt.Asset ClassSub Asset ClassInvestment Choice% of ContributionCash EquivalentsH3Transamerica Cash Reserve Ret Opt.0%Z1Y7JPMorgan Short Duration Bond Ret OptJPMorgan Core Bond Ret Opt.0%.0%A8Transamerica Partners High Yield Bond Ret Opt.0%M5Oppenheimer International Bond Ret Opt.0%X6BlackRock Global Allocation Ret Opt.0%T1Z7American Funds Fundamental Investors Ret OptRidgeWorth Mid-Cap Value Equity Ret Opt.0%.0%36U0Transamerica Core Equity Ret OptAIM Mid Cap Core Equity Ret Opt.0%.0%R422Alger Capital Appreciation Ret OptGoldman Sachs Mid-Cap Opportunities Ret Opt.0%.0%N85BV2Vanguard Small-Cap Value Index Ret OptNeuberger Berman Genesis Ret OptAIM Small Cap Growth Ret Opt.0%.0%.0%K4American Funds EuroPacific Growth Ret Opt.0%BondShort TermIntermediate TermHigh Yield BondInternational/Global BondHybridBalancedLarge/Mid Value EquityLarge CapMid CapLarge/Mid Blend EquityLarge CapMid CapLarge/Mid Growth EquityLarge CapMid CapSmall Company EquityValueBlendGrowthInternational EquityTotal for all investment choices must equal 100%:800926-000100 .0%3
3Step Three: Start today!Your future starts today.Planning and saving well are the keys to living well when youreach retirement. By reviewing this workbook and completingthe exercises provided, you have taken a major step forward inachieving a personalized retirement savings strategy for a moreenjoyable future.If you are not yet enrolled in your plan, simply complete theforms and instructions found at the front of this workbook. Ifyou already participate in your employer-sponsored retirementsavings plan, take this opportunity to review your currentinvestment portfolio allocation and consider increasing yourcontributions.Learn About Your Plan’s Roth 401(k) AccountOptionThe Roth 401(k) option allows you to contribute after-taxdollars to your plan in a separate account that in most caseswill not be subject to future federal income taxes, regardless ofyour income level. So let’s compare some basic features of thetraditional 401(k) and the Roth 401(k):FeatureTraditional401(k)Contributions INBefore-taxAfter-taxDistributions PAIDTaxedFree from Federal tax ifdistributions occur fivetaxable years after firstRoth Contribution ANDafter participant either:- Attains age 59½- Dies- Becomes DisabledRequired MinimumDistributions (RMDs)RequiredRequired, but prior toRMD may be rolled overto a Roth IRA, whichhas no RMDrequirement.Plan HighlightsYour Contributions You can choose to make contributions before paying taxesand/or you can choose to make after-tax contributionsthrough your plan’s Roth 401(k) account option. Federal Tax law limits the total combined before- andafter-tax contributions to 16,500 in 2010.Roth 401(k)You must be at least 21 years of age.(Some plans provide for RMDsto begin at the later of age70½ or separation fromservice, provided participant isnot a 5% owner.)Entry Date(s)Contribution LimitTotal limit in 2010 is 16,500( 22,000 if age 50 or older)Income RestrictionNoneEligibilityThe first day of any month.Catch-up ContributionsIf you are 50 or older, you may qualify to make additionalbefore- and after-tax “Catch-up” Contributions. FederalCatch-up Contribution limit is 5,500 for 2010, for totalcombined before- and after-tax contributions.Frequency of Contribution ChangesYou may increase or decrease your contribution to the plan onany business day.You may also stop making contributions at any time.RolloversYou may roll over your plan account balance from a priorqualified retirement plan at any time.VestingYour contributions are automatically 100% vested.Your rollover contributions are 100% vested.Your years of service with a predecessor of the Company willcount toward your eligibility.1800926-000
How Do I Decide If A Roth 401(k) ContributionIs Right For Me?As a general rule, if you believe you will be paying higher taxesin retirement than you are now, consider making contributionsto your Roth 401(k). However, if you believe your tax rate willbe lower when you take distributions, consider keeping yourcontributions in the traditional 401(k).Another strategy to consider is diversifying your future tax riskby contributing to both. Keep in mind that you may want toconsult with your attorney, accountant, or tax professional inhelping you decide what balance is right for you.You will need to decide what percentage of your totalcontribution will go to traditional 401(k) and Roth 401(k):A. Your Traditional 401(k) Salary Deferral Percentage%B. Your Roth 401(k) Salary Deferral Percentage%Total Salary Deferral may not exceed the plan’s limit.Total Salary Deferral Percentage (A B) %In Service WithdrawalsEARLY WITHDRAWALS You may make a withdrawal from the plan upon attaining age59½. Certain restrictions may apply. Refer to your SummaryPlan Description for details.When You Retire Or Leave The CompanySubject to plan provisions, upon retirement, termination,disability or death, you—or in some cases yourbeneficiary—can: Keep your money in the plan, subject to certain restrictions. Directly roll over your plan account balance intoanother eligible savings plan or IRA.— You can request a Rollover IRA kit online atwww.TA-Retirement.com.— By choosing to keep your money in the plan or byelecting a direct rollover of your retirement savingsrather than cashing out, you will avoid the 20%mandatory federal income tax withholding as wellas the 10% early withdrawal penalty that’s assessedif you have not reached age 59 ½. Receive your plan account balance in cash. Receive your plan account balance as an annuity or ininstallments. Contact your plan administrator or refer to yourSummary Plan Description for additional information.Some of these options can have significant tax consequences.Your tax advisor can help you make the decision that is best foryou. For more information, refer to your Summary PlanDescription.For additional plan information, please contact your planadministrator or refer to your Summary Plan Description.Investment ChoicesThe plan offers 16 investment choices. Refer to “Investment Choices” located in this enrollmentworkbook for a description of your investment choices.HARDSHIP Some of the investment choices offered by the plan containtrading restrictions. Prior to finalizing your investment choicesunder the plan, please refer to your “Investment Choices” formore information on these restrictions. If you meet the definition of hardship you may make awithdrawal from the plan. For more information about thestrict rules governing hardship withdrawals, refer to yourSummary Plan Description. To obtain a complete set of Investment Fact Sheetscontaining detailed, up-to-date information on each of theinvestment choices, contact your plan administrator or log onto www.TA-Retirement.com.Online Enrollment InstructionsYou can enroll online at www.TA-Retirement.com or viatelephone at 1-800-401-8726. Enrollment instructions are included in this enrollmentworkbook, and will also be sent to the mailing address youhave on file with your employer. If you are unable to enroll online or via telephone, your planadministrator can assist you in obtaining a paper enrollmentform.That’s all there is to it! Remember - it’s never too early or toolate to save for retirement. Transamerica Retirement Servicesis here to simplify your journey on the road to a secureretirement.2
Manage Your Account Via Web SiteAutomated Periodic Transferswww.TA-Retirement.comAutomated Periodic Transfer allows you to transfer portions ofyour plan account balance from one investment choice toanother in regular increments. In addition to providing access to your plan accountinformation, the Web site is loaded with useful information,helpful tips and interactive tools, all designed to help youdiscover, build and manage your plan. Simply log on to the Web site with your Username andPassword to manage your retirement account online, checkinvestment account performance, access the asset allocationtool and online calculators, monitor your investment portfolio,obtain investment education and more. Use Automated Periodic Transfer to gradually transfer assetsfrom a conservative investment choice to a more aggressiveinvestment choice or vice versa. You must transfer at least 100 from the holding investmentchoice for each periodic transfer. Once established, Automated Periodic Transfer will continueuntil you request that it be stopped. Until you create your own unique Username and Password,you can access investment choice performance and manyother valuable tools by entering your plan’s contract number:800926-000. If there is not enough money in the holding investmentchoice, the system will ignore the transfer request and checkagain the next period.Manage Your Account Via TelephoneAdviceSolutions: The Interactive InvestmentAnd Retirement Planning Tool1-800-401-8726 The automated telephone system offers you direct access toyour plan account information. You can access the system24 hours a day — seven days a week. Some restrictions may apply. Contact your plan administrator.Retirement. A Journey Made Simple Investment Choice Information Via Web SiteSimple and easy to use, AdviceSolutions can help you planyour journey to a better future! With AdviceSolutions you getthe investment advice you need to make confident financialdecisions.To access your Performance Overview and Investment FactSheets, follow the simple steps outlined below:Simple Solutions for a Complex WorldStep 1: Go to www.TA-Retirement.comStep 2: Click on “Fund Information” above the navigationbar on the right hand side of the pageStep 3: Enter your Contract ID and click “Submit”Step 4: Your Performance Overview will appearStep 5: Click on the investment choice’s name to viewthe Investment Fact SheetAccount RebalancingAccount Rebalancing allows you to maintain the investmentpercentage you originally established, taking into considerationmarket earnings and losses. Set up Account Rebalancing via the Web site or bytelephone. Automatically rebalance your account by redistributing thepercentage of your total portfolio held in each investmentchoice.You don’t have to be an expert to use AdviceSolutions - youcan choose from three investment experience levels Beginner, Intermediate, or Advanced.AdviceSolutions: After You’ve Been Enrolled InThe Plan, You Can Access AdviceSolutions ByFollowing The Steps Outlined BelowStep 1: Go to www.TA-Retirement.comStep 2: Enter your Username and Password and click onthe à button (If you access AdviceSolutionswithout entering this information you will betaken to a demo version of the tool.)Step 3: Click on “Transactions”Step 4: Click on the “Click here to manage youraccount.” link located in the body of the pageStep 5: Click on the AdviceSolutions logo on the lefthand side of the page— A one-time account rebalance will initiate onerebalance as of the close of the business day.Step 6: Click on the AdviceSolutions logo in the centerof the page to view the site— A periodic rebalance will establish a future schedulefor rebalancing based on the period selected(Monthly, Quarterly, Semi-Annually, Annually).AdviceSolutions is a retirement planning module, solely provided for There is no minimum balance required and no minimumamount to transfer.educational purposes and neither Transamerica Retirement Servicesnor Advice Frameworks act as fiduciary in providing therecommendation.All investments involve risk, including loss of principal and there is noguarantee of profits. Investors should carefully consider theirobjectives, risk tolerance and time horizon before investing.3
Statement Of Account You will receive a personalized statement of your account ona regular basis.4
2Investment Choices: Performance Overview and SummariesJohnson Service Group, Inc. 401(k) Retirement Savings Plan - ContractEmployeesThe performance data quoted represents past performance and does not guarantee future results. The investment return and principalvalue of an investment will fluctuate; thus an investor’s shares, when redeemed, may be worth more or less than their original cost. Currentperformance may be lower or higher than return data quoted herein. Please go to www.TA-Retirement.com to obtain performance current tothe most recent month-end. In addition, comprehensive information on all investment choices is available on the investment fact sheet.Please refer to the disclosure page for additional information.Transamerica Financial Life Insurance Company and Transamerica Life Insurance Company are affiliates of Diversified Investors SecuritiesCorp.Performance shown in percentages as of September 30, 2009Average Annual TotalExpenseRatio††Year toDateLastQuarter1 Year3 Years5 964.333.780.9839.6524.706.921.627.136.35*1.3310 YearsNetCash Equivalents†Transamerica Cash Reserve Ret Opt(7-Day SEC Yield: 0.06%)BondShort TermJPMorgan Short Duration Bond Ret OptIntermediate TermJPMorgan Core Bond Ret OptHigh Yield BondTransamerica Partners High Yield Bond Ret OptInternational/Global BondOppenheimer International Bond Ret OptHybridBalancedBlackRock Global Allocation Ret OptLarge/Mid Value EquityLarge CapAmerican Funds Fundamental Investors Ret OptMid CapRidgeWorth Mid-Cap Value Equity Ret Opt(*Performance Inception: 11/30/2001)†††See description of this asset class in the investment choices summary section.See investment choices summary section or investment fact sheets for expense ratio details. Performance shown is net of any expensewaivers or reimbursements.Not FDIC Insured1May Lose ValueNo Bank Guarantee800926-000
Performance shown in percentages as of September 30, 2009Average Annual TotalExpenseRatio††Year toDateLastQuarter1 Year3 Years5 .671.1110 YearsNetLarge/Mid Blend EquityLarge CapTransamerica Core Equity Ret OptMid CapAIM Mid Cap Core Equity Ret Opt(*Performance Inception: 03/15/2002)Large/Mid Growth EquityLarge CapAlger Capital Appreciation Ret OptMid CapGoldman Sachs Mid-Cap Opportunities Ret OptSmall Company EquityValueVanguard Small-Cap Value Index Ret OptBlendNeuberger Berman Genesis Ret OptGrowthAIM Small Cap Growth Ret Opt(*Performance Inception: 03/15/2002)International EquityAmerican Funds EuroPacific Growth Ret Opt* Performance shown since inception is from the performance inception date of the separate account or underlyinginvestment as shown on the Investment Choices Performance Overview.Investment Choices: SummariesCash Equivalents - Investment choices whose objectives are to maximize current income, consistent with liquidity andpreservation of principal.Investment Risk: This category seeks to protect against loss of principal while providing returns comparable to money market funds andshort-term Treasury instruments. An investment in a cash equivalent investment choice is not insured or guaranteed by the FDIC or anyother government agency. Although the investment seeks to preserve the value of your principal, it is possible to lose money byinvesting in the investment choice. These investment choices have generally provided a dependable level of stability and liquidity;nevertheless, the investment is still subject to credit risk and to liquidity risk.2
2Transamerica Cash Reserve Ret OptAs of 09/30/2009Inception Date: 03/02/2006Investment Strategy: The investment seeks to maximize current income, consistent with liquidity and preservation of principal. It is bestsuited for temporary or defensive investment purposes and may also be appropriate as part of an overall long-term investment strategy.This is done by investing primarily in high quality money market instruments with remaining maturities of 13 months or less. It limitsinvestments to securities rated in the highest short-term rating category of the major rating services, or those determined to be ofcomparable quality.Expense Ratio: Type 1*: 0.80% of fund assetsRedemption Fee/Term: -Trading Restrictions: --Management Company:Transamerica Insurance CompanySubadvisor:Transamerica Investment Mgmt, LLC*See Disclosure Page for more details.Investment information: The Transamerica Cash Reserve Ret Opt, a TLIC Separate Account, invests exclusively in the TransamericaCash Management Ret Opt (Class X), a TLIC Separate Account. The Transamerica Cash Management Ret Opt is sub-advised byTransamerica Investment Management, LLC.AAABond - Investment choices that pursue their objectives primarily through the investment in investment grade bonds, issuedby domestic companies and government agencies. Investment choices may also invest a portion of their assets in belowinvestment grade securities.Investment Risk: The values of bonds change in response to changes in economic conditions, interest rates and the creditworthiness ofindividual issuers. Investment choices that invest in bonds can lose their value as interest rates rise and an investor can lose principal.Short TermJPMorgan Short Duration Bond Ret OptAs of 09/30/2009Inception Date: 09/26/2008Investment Strategy: The investment seeks current income consistent with preservation of capital. The fund normally invests at least80% of assets in bonds. It may invest up to 20% of assets in preferred stocks. The fund also may purchase taxable or tax-exemptmunicipal securities.Expense Ratio: Type 7*: 1.26% of fund assetsRedemption Fee/Term: -Trading Restrictions: --Management Company:JPMorgan Investment Advisors Inc.Subadvisor:--*See Disclosure Page for more details.Investment information: The JPMorgan Short Duration Bond Ret Opt, a TLIC Separate Account, invests exclusively in the JPMorganShort Duration Bond Fund (Select Shares), a mutual fund (Fund).Intermediate TermJPMorgan Core Bond Ret OptAs of 09/30/2009Inception Date: 09/26/2008Investment Strategy: The investment seeks to maximize total return. The fund primarily invests in investment-grade bonds and debtsecurities. It normally invests at least 80% of assets in bonds. Normally, the fund's average weighted maturity ranges between four and12 years. It may invest in derivative instruments.Expense Ratio: Type 7*: 1.12% of fund assetsRedemption Fee/Term: -Trading Restrictions: --Management Company:JPMorgan Investment Advisors Inc.Subadvisor:--*See Disclosure Page for more details.Investment information: The JPMorgan Core Bond Ret Opt, a TLIC Separate Account, invests exclusively in the JPMorgan Core BondFund (Select Shares), a mutual fund (Fund).AAA3
High Yield Bond - Investment choices that invest primarily in bonds which are considered riskier and have a higher yield.Investing in high yield, lower quality securities generally offer higher yield but also involve heightened risk.Investment Risk: The investor should note that investment choices that invest in lower-rated debt securities (commonly referred to asjunk bonds) involve additional risks because of the lower credit quality of the securities in the portfolio. The investor should be aware ofthe possible higher level of volatility, and increased risk of default.Transamerica Partners High Yield Bond Ret OptAs of 09/30/2009Inception Date: 03/15/2002Investment Strategy: The investment seeks to provide a high level of current income. The fund invests primarily in high-yielding, incomeproducing debt securities and preferred stocks. Under normal circumstances it invests at least 80% of net assets in high-yield bondsand related investments. High-yield securities usually are lower-rated debt securities, commonly referred to as "junk bonds." Investing injunk bonds is an aggressive approach to income investing.Expense Ratio: Type 2*: 1.10% of fund assetsRedemption Fee/Term: -Trading Restrictions: --Management Company:Transamerica Asset Management, IncSubadvisor:Eaton Vance Management*See Disclosure Page for more details.Investment information: The Transamerica Partners High Yield Bond Ret Opt, a TLIC Separate Account, invests exclusively in theTransamerica Partners High Yield Bond Fund (Investor Class), a mutual fund (Fund).AAAInternational/Global Bond - Investment choices that pursue their objectives primarily through the investment in bondsof foreign and domestic issuers. Foreign investing involves special risks including political unrest, economic instability andcurrency fluctuation.Investment Risk: The investor should note that investment choices that invest in foreign securities involve special addi
Large/MidValueEquity Large Cap T1 American Funds Fundamental Investors Ret Opt _.0% Mid Cap Z7 RidgeWorth Mid-Cap Value Equity Ret Opt _.0% Large/MidBlendEquity Large Cap 36 Transamerica Core Equity Ret Opt _.0% Mid Cap U0 AIM Mid Cap Core Equity
Tee - Reducing (continued) Socket x Socket x Socket 401-422 4X3 6 0 040 77.83 401-4261 4X6 4 0 040 419.22 401-4281 4X8 2 0 040 1157.12 401-4861 5X2 5 0 040 182.51 401-4871 5X2-1/2 4 0 040 200.79 401-488 5X3 4 0 040 182.51 401-490 5X4 3 0 040 182.51 401-4921 5X6 4 0 040 428.13 401-4941 5X8 1 2 040 1472.94 401-5261 6X1-1/4 6 0 040 267.96 401-5271 .
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Solvent clean the surface with a Wax and Grease Remover or Pre-Cleaning solvent cleaner. Wipe down with a clean cloth and wipe down. When the surface is dry, you are ready for application. CP-401 LG - LIGHT GRAY CP-401 R - RED CP-401 W - WHITE CP-401 Y - YELLOW CP-401 B - BLACK CP-401 Bl - BLUE
401(k) plan account balances rise with participant age and length of time on the job. 14 FACT 7 401(k) plans offer participants a wide array of investment options. 16 FACT 8 Equities figure prominently in 401(k) plans, especially among younger 401(k) investors. 18 FACT 9 401(k) plan participants have concentrated their assets in lower-cost funds.
401(k) plan account balances rise with participant age and length of time on the job. 14 FACT 7 401(k) plans offer participants a wide array of investment options. 16 FACT 8 Equities figure prominently in 401(k) plans, especially among younger 401(k) investors. 18 FACT 9 401(k) plan participants have concentrated their assets in lower-cost funds.
Schedule 40 Fittings Product PVC Gray Sch 40 Fittings Page 61 Suitable for Oil-Free air handling to 25 psi, not for distribution of compressed air or gas Tee - Gray Socket x Socket x Socket 401-005G 1/2 50 300 043 1.12 401-007G 3/4 50 0 043 1.25 401-010G 1 50 0 043 2.32 401-012G 1-1/4 25 0 043 3.67 401-015G 1-1/2 25 0 043 4.48 401-020G 2 25 0 .
MARIO FONSECA PEST CONTROL, INC. HOME INSPECTIONS / PEST CONTROL 401-639-6442 401-944-9179 Email: mfpc9179@gmail.com Licensed in RI & MA Falo Português M. Connie Soares-Felix REALTOR Parishioner williamsandstuart.com connie.soaresfelix@gmail.com CELL 401.524.3137 OFFICE 401.942.0200 EXT 194 FAX 401.942.0099 170 Mayfield Avenue Cranston .
