Your retirement plan statement guide - my.voya.com

1 Your retirement plan statement guide Here's how to find the information you need to manage your account Your statement is designed to make it easy for you to quickly get the information you need. It's a valuable resource for managing and tracking your retirement savings. statement features include: C. urrent account value Your statement provides a summary of what you A. ccount changes during the statement period should need to know about your account. There are tips located throughout the statement on how you can Contribution summary defining where your access even more detailed information, should you money came from require it. Graphics that promote a quick, yet accurate read of your account Visit your your Plan Website for more information. Information to help you access your account Page 1 Page 2 Page 3. 1. Participant Service & Profile Information 6. Your Contributions ACME Plan voya Financial ACME Plan JOHNNY INVESTOR.

2 4251 BRIDGER ROAD. ACME Plan retirement Benefit Summary PO Box 5166 retirement Benefit Summary KANSAS CITY MO 64111 retirement Benefit Summary Get more information regarding your Your total salary contribution election voya Financial PO Box 5166. Boston, MA 02206. statement Period October 1, YYYY - December 31, YYYY. Boston, MA 02206. statement Period October 1, YYYY - December 31, YYYY statement Period October 1, YYYY - December 31, YYYY. account by calling a dedicated Participant for the year, and the percentage you will Questions Automated 24-hour Helpline 1-800-555-1234. 5. Your Contribution & Vesting Summary 8. Service Representative or by logging on contribute to each investment option. JOHNNY INVESTOR. 4251 BRIDGER ROAD. KANSAS CITY MO 64111. 1 Participant Services Representatives are available Monday through Friday, 8 to 8 ET. TDD Access is available at 1-800-555-5555. Values as of December 31, YYYY. Your Asset Allocation & Balance by Fund Your current asset allocation based on your Investment Type / Fund Name Measure Units/Shares x Price = Market Value Contribution Type Employee Before-Tax Current Quarter Contributions $1, Year-To-Date Contributions $6, Total Market Value as of 12/31/YYYY.

3 $56, Vested Percent 100%. Vested Market Value as of 12/31/YYYY. $56, Internet Access at: closing balances within each asset type. 39% Short-Term Investments Employee After-Tax $ $ $ 100% $ to the plan website. Review your personal 12%. Stable Value Fund Bond Funds Units $ $31, Employer Match $1, $1, $25, 80% $20, 7. Your Account Activity Summary Participant Profile Long Term Bond Fund Units $ $5, Total $2, $8, $81, $76, profile and account information. Employee ID Number Plan Entry Date/Status 02-6598430. 01/16/1990 / ACTIVE. Intermediate US Govt Bond Fund Units $ $5, Pre 1987 / Post 1986 Contributions Total A summary of your transactions during the Plan Number IRS Plan Number 123456. 123456. 5% Balanced Funds Balanced Fund Units $ $4, Pre-1987 After-Tax Contributions Post-1986 After-Tax Contributions $ $ 2. Your Total Account Value statement period by investment election: 2 Your Total Account Value 3 Account Balance History 41% Stock Funds Growth and Income Fund Units $ $22, 9.

4 Opening Value on October 1, YYYY $70, Intl Growth Opportunities Fund Units $ $9, + Employee Contributions $1, $100,000 S&P 500 Index Fund Units $ $1, Your Loan Summary A brief summary of your account beginning balance, contributions, gains/. $81,869. + Employer Contributions $1, $70,308 3% Stock Fund*. + Other Credits/Payments(a) $1, $60,000 $56,584 ACME Stock Fund Units $ $2, Total Amount Loan Payment Payoff Loan Balance Principal Paid Interest Paid Total Paid Accrued Interest Borrowed Status Amount Date on 01/01/YYYY This Period This Period This Period This Period + Investment Gain (Loss) $7, $40,799. Total Fund Balances $81, along with the opening and closing losses, transfers, fees, distributions, and $37,233 $35,118. Distributions/Debits(b) $ $20, Active 06/15/YYYY $9, $1, $ $1, $8, $20,000. To better understand what asset allocation means and which asset allocation may be appropriate for your Total $9, $1, $ $1, $8, Closing Value on December 31, YYYY $81, circumstances, visit your plan's Web site at or call 1-800-555-1234.

5 Balance, changes in value, and personal ending balance. YYYY YYYY YYYY YYYY Q4/YY Q1/YY. Your Total Change in Value during this period $11, Your Personal Investment Performance(c) Comparison of your previous year-end total values. Opening value vs. Closing value. 6 Your Contributions investment performance. Your Current Payroll Contribution Your Investment Elections for Future Contributions Your Fee Detail 10. 8. Your Contribution & Vesting Summary 4 Your Estimated Monthly Income in retirement Employee Basic Pre-Tax Contribution Employee Supplemental Pre-Tax Contribution Employee Basic After-Tax Contribution 7%. 0%. 0%. Stable Value Fund Intermediate US Govt Bond Fund Long Term Bond Fund 50%. 0%. 0%. Balanced Fund Growth and Income Fund Intl Growth Opportunities Fd 5%. 20%. 15%. Fee Type Amount Administrative Fees $ 3. Account Balance History Your quarterly and year-to-date Employee Supplemental After-Tax Contribution 0%.

6 The Estimated Monthly retirement Income is designed to provide a better understanding of what you might expect in retirement . Based on your current retirement S&P 500 Index Fund 5% ACME Stock Fund 5%. account balance in this plan and the assumptions noted below, a monthly pre-tax lifetime retirement income has been estimated. For details regarding the minimum % you may be able to Withdrawal Fee $ contribute to the plan and ways to maximize your savings In-Plan Roth Conversion Fee $ or employer match, visit your plan's Web site at A bar chart offering a visual comparison contributions, your employer contributions, If you were age 65 today and about to retire, it's estimated that this retirement or call 1-800-555-5555. Managed Account Fee $ $434. 7. account could generate this amount of income every month in retirement for life. Loan Request Fee $ Your Account Activity Summary Overnight Mail Fee $ of your opening and closing balance for the market value of your account and the The estimate above assumes you are 65 and retiring today.

7 But that may not be the case. To estimate what your future monthly income might be based on your age, current and ongoing retirement savings, log into your plan's website, click on Balances, and go to the Estimated Income page. The following is a summary of your transactions during this period. For a detailed history of your daily transactions, log on to or call 1-800-555-1234. Qualified Domestic Relations Order Fee Redemption Fee Self-Directed Brokerage Fee $ $ $ Balance on Contributions/ Loan Distributions/ Balance on the statement period. Also depicts your percentage and value of vested money in The monthly pre-tax lifetime income that is estimated to be generated by the balance shown above assumes you are age 65 and are making a lump sum purchase of a single life immediate annuity today which would pay you a level income amount each month as long as you live. Note that inflation will erode your spending power over time.

8 The projected amount of the annuity income payment is based on the combination of the Society of Actuaries' Annuity 2000 Basic Fund Name Stable Value Fund 10/01/YYYY. $35, Other Credits $ Repayments $ Gain/Loss $4, Transfers $(10, ). Other Debits b $ 12/31/2007. $31, Total $ Intermediate US Govt Bond Fd $ $ $ $ $5, $ $5, year end closing balance for the last four your account. Mortality Table assuming an equal mix of males and females and recent Immediate Annuity interest rates from the Pension Benefit Guaranty Corporation Plan administrative expensesfor the preceding statement period were offset by revenue sharing amounts received from the plan's designated investment options. Long Term Bond Fund $ $ $ $ $5, $ $5, (PBGC), a federal agency created by ERISA. The estimates are hypothetical and for illustrative purposes only and do not represent current or future performance of any specific investment. No representations, warranties or guarantees are made as to the accuracy of any projections or calculations.

9 This Balanced Fund $4, $ $ $ $ $ $4, information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial Growth and Income Fund $20, $ $ $1, $ $ $22, years at voya to see how your account and/or tax advisor when making decisions related to your individual tax situation. All investments carry a degree of risk and past performance is not a guarantee Intl Growth Opportunities Fd $6, $1, $ $1, $ $ $9, 9. Your Loan Summary 11 News From Your Plan Sponsor of future results. S&P 500 Index Fund $1, $ $ $ $ $ $1, ACME Stock Fund $2, $ $ $ $ $ $2, has changed. Total Portfolio Value $70, $2, $1, $7, $ $ $81, voya FinancialTM is one of the nation's largest benefits providers. voya provides a superior range of products and services for defined contribution and If you've taken a loan from your account, defined benefit plans. We provide tax-deferred, employer-sponsored retirement savings plans and administrative services to more than 46,000 plan sponsors covering approximately five million plan participants in corporate, education, healthcare and government markets.

10 4. Your Estimated Income in retirement see a summary of amount borrowed, a Other Credits includes forfeitures and trust-to-trust transfers, if applicable. b Other Debits includes new loans and forfeitures, if applicable. Look here for an estimate of your monthly the payment amount, your balance, and c Personal Investment Performance is a measurement of the performance of YOUR entire account for the statement period. PIP is calculated based on the performance of your investments during the period, taking into account any of your activity during the period. The method used in your PIP calculati on is the commonly accepted calculation used by professional financial planners. There are other ways of calculating your personal investment performance which may yield diffe rent results. Visit your plan's Web site at or call 1-800-555-1234 for more information on your Personal pre-tax lifetime retirement income based principal and interest information.