401(k) Plan Overview and Account Access

1 401(k) plan Overview and Account Access Retirement Planning Workshop plan Information Investment Options Account Access Resources Website Overview CDK 401(k) plan Overview and Account Access Division of ADP, Inc. Providing retirement plan solutions since1989 Approximately million retirement plan participants1 Over $ Billion in assets under administration 1 44,000 Retirement plan Clients ADP, Top-ranked company in Financial Data Services in FORTUNE magazine s The World s Most Admired Companies2 CDK 401(k) plan Highlights Page 3 About ADP Retirement Services : Automatic Data Processing Inc, 2014 Annual Report. : FORTUNE Magazine s Most Admired Companies 2014. Contribution types: Traditional (Pre-tax) & Roth (after-tax) your Contribution: 1% - 50% of your eligible compensation up to the annual IRS Limit. Employer contribution: 70% of the first 6% of your salary deferrals after 6 months of service* Vesting: Employee contribution accounts fully vested.

2 Employer contribution Account fully vested after 3 years of service** Loans: Offered by the plan Withdrawals: Age , and Hardship Rollovers: Contact the Rollover Team at 877-401-5725 CDK 401(k) plan Highlights Page 4 plan Information * While credited to your Account each pay period, you must be employed on December 31st to fully earn the match. ** your contributions and any amounts you rolled into the plan , adjusted for gains and losses, are 100% yours. Save more with catch-up contributions plan for what s ahead * Subject to plan maximums. $18,000 IRS annual maximum contribution $6,000 Catch-Up for those age 50+ $24,000 Total you can contribute to your Account in 2015* + CDK 401(k) plan Highlights Page 5 Investment Options Investment Options ADP Retirement Services | 7 Low Risk/ Low Potential Return Stable Value Fixed Income Large-Cap Stock Mid-Cap Stock Small-Cap Stock Global/ International Stock R E T U R N R I S K This graph illustrates the types of investments available in your plan classified by their Morningstar category according to their potential return and investment risk.

3 It is not intended to be, nor should it be construed as, investment advice or a recommendation with respect to any particular investment. CDK & ADP Stock Investment Options CDK 401(k) plan Highlights Page 8 CDK & ADP Stock Funds Company Stock Funds - Carried over from old ADP plan No new money can be contributed to the company stock funds Unitized price is valued daily and is specific to these stock funds Any dividend paid is added to the unitized share price of the stock fund Account Access Resources Account Access Resources Quarterly Account statement Account balance Investment performance information Personal rate of return Transactional information CDK 401(k) plan Highlights Page 10 Account Access Resources *Registered representatives of ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd., Roseland, NJ. Member FINRA. Website Service Representatives* Quarterly Account statement CDK 401(k) plan Highlights Page 11 Website Overview Website Overview Account Access via the CDK associate web portal or at Log on with your user ID and password First-time users must register their email address Passcode is.

4 DSHR-register Frequently asked questions CDK 401(k) plan Highlights Page 13 Education and Planning resources Retirement planning article library Interactive charts Retirement Savings Tool Calculators 401(k) calculator effect on your paycheck Retirement planner how much you need to save Asset allocation profiler how to allocate your Account Choosing a withdrawal rate calculator how long your savings will last Roth 401(k) calculator decide which type of contributions are right for you CDK 401(k) plan Highlights Page 14 Website Overview Website Overview Account at a glance page CDK 401(k) plan Highlights Page 15 Retirement Savings Tool Easy Access from the home page by clicking on Retirement Calculator Website Overview The Retirement Savings Tool (RST) is provided for educational purposes only. Income projections and other information generated by the RST are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results.

5 plan participants should not rely on RST as the primary basis for their investment, financial, or tax planning decisions. plan participants should consult with their tax advisor or investment professional. ADP cannot guarantee or assure a plan participant s ability to meet any of their goals or that any hypothetical results actually will occur. The RST simply uses participant information and the assumptions selected to provide a rough assessment of the likelihood that their hypothetical results may be achieved. CDK 401(k) plan Highlights Page 16 Get fund information Fund summaries Market timing information Rates of return Prospectuses Website Overview CDK 401(k) plan Highlights Page 17 Website Overview CDK 401(k) plan Highlights Page 18 Transactions Change your contribution rate Change how your future contributions are invested Change how your current balance is invested Elect plan features Website Overview Change your contribution rate and investment elections CDK 401(k) plan Highlights Page 19 Website Overview Change how your current balance is invested CDK 401(k) plan Highlights Page 20 Website Overview Moving your existing balances CDK 401(k) plan Highlights Page 21 Website Overview Elect Save Smart CDK 401(k)

6 plan Highlights Page 22 Elect GuidedSavingsSM services from GuidedChoiceTM Get help with deciding how much to save Have your investments selected for you based on your personal situation Get a retirement strategy that considers other factors, like your spouse s savings or outside investments Election can be made under the Investments tab by clicking Investment Help by Guided Savings CDK 401(k) plan Highlights Page 23 Website Overview GuidedSavingsSM is a service mark of GuidedChoiceTM Asset Management, Inc. Neither ADP, LLC, nor any of its affiliates is an affiliate of, nor do any of them endorse the services or products of, GuidedChoiceTM Asset Management, Inc. Other web capabilities Manage your profile Designate or change your beneficiaries Update your personal information Elect electronic delivery Get your quarterly newsletter CDK 401(k) plan Highlights Page 24 Website Overview CDK 401(k) plan Highlights Page 25 99-3760-0315 ADP, LLC and its affiliates do not offer investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, investment advice or a recommendation for a particular investment option.

7 Questions about how laws, regulations and guidance apply to a specific plan should be directed to your plan administrator or legal, tax or financial advisor. Investments in mutual funds and commingled funds (also known as collective trusts) involve risk. Some investment products have more risk than others. For complete information about a particular fund or to obtain a fund prospectus (or information statement, in the case of commingled funds), go to You should carefully consider an investment option s objectives, risks, charges and expenses before investing. The prospectus (or information statement, as applicable) contains this and other important information about the investment option and investment company. Please read the prospectus/information statement carefully before you invest. ADP Pension plan oHow The plan Works oHow The Spin Affected your Pension oAge and Service Criteria oBalances Less Than $5,000 oTransfer your ADP Pension to a Qualified Retirement plan ADP Pension plan - Overview How ADP s Pension plan Works - Two Components - Accumulated prior to 1990 oDefined benefit pension plan oPayable as a lifetime monthly installment at retirement oNot eligible for lump sum payment oNot eligible for rollover to another plan Accrued from 1990 to Spin Date oCash Balance plan oPayable as a lump sum or a lifetime monthly annuity upon retirement oIf eligible for lump sum, can take as cash* or roll over to a qualified retirement plan ( , CDK, IRA, another plan ) oMust qualify for retirement as follows in order to initiate payment or distribution if benefit amount is $5,000 or greater.

8 Age 65 regardless of years of service, or Age 55 with at least 5 years of service * If paid to you it s taxable income ADP Pension plan Page 28 oAll associates hired on or before July 1, 2013 earned a benefit in the ADP Pension plan up through the spin date. oAll associates who transitioned to CDK are considered 100% vested in their benefit. oBenefits from the plan are generally paid at retirement, with the exception of benefit amounts that are less than $5,000. oThe timing of when you can receive your benefit from the plan is determined by your age and the amount of your benefit. ADP Pension plan Page 29 How The Spin Affected your Pension Options Based on Age and Service for Benefit Amounts Greater than $5,000 Age 55 with less than 5 years of service oParticipants with less than 5 years of service will not be able to collect their benefit until age 65.

9 O Balances left in the plan will continue to earn interest based on the 10-year Treasury Rate (currently ). Age 55 with more than 5 years of service oParticipants have the option of leaving their benefit in the plan but will be required to collect no later than age 65, or oYou have the option of taking the benefit in (as taxable income) it over to another qualified plan oBalances left in the plan will continue to earn interest based on the 10-year Treasury Rate (currently ) ADP Pension plan Page 30 Age 65 regardless of years of service oParticipants in this age group are currently eligible to receive their benefit from the plan oIf you are age 65 or over, you are required to commence your benefit immediately and will be contacted 3 months before your 65th birthday oBenefit amounts that are less than $5,000 must be paid at this time.

10 OParticipants were sent a letter and a Lump Sum Payment Application. oThe lump sum can be rolled over to the CDK 401(k) plan , an IRA, or another tax qualified plan . Amounts paid directly to you are considered taxable income. oIf your completed application is not returned within 90 days from the date of the letter: If your balance is $1,000 or less, you will automatically be sent a check with taxes withheld. If your balance is more than $1,000, the funds will automatically be moved to an IRA with The Bancorp Bank. ADP Pension plan Page 31 Balances Less Than $5,000 Before taking any action you may want to check with a Financial Advisor to determine which option is best for you If you meet the criteria to transfer your ADP Pension to another qualified retirement plan and you decide to transfer it to the CDK 401(k) plan : oContact ADP Benefits Hotline at oPress 2 for pension plan oRequest a distribution ADP Pension plan Page 32 Transferring your ADP Pension to the CDK 401(k) plan oObtain a CDK 401(k) Rollover Form by contacting the 401(k) Service Center at oRollover checks must be made payable to Reliance Trust Company FBO (participant s name) oComplete Rollover Form.