myRA Makes Saving Easy JUNE 16 TH, 2016 PRESENTED BY: STEPHANIE SALAVEJUS

There’s a New Way to Save The U.S. Department of the Treasury introduced myRA SM (my Retirement Account) to help people save for retirement. myRA | my Retirement Account | U.S. Department of the Treasury2

Employees Want to Save, Now They Can 3myRA | my Retirement Account | U.S. Department of the Treasury

What exactly is myRA? 4myRA | my Retirement Account | U.S. Department of the Treasury

myRA is Simple Setup automatic contributions Even if employees change jobs, the account stays with them Withdraw the money any time without paying tax and penalty Withdraw interest without paying tax and penalty under certain conditions* *Withdraw interest earned without tax and penalty five years after your first contribution if you are over age 59 ½ or meet certain other conditions, such as using the funds for the purchase of your first home. 5myRA | my Retirement Account | U.S. Department of the Treasury

myRA is Safe myRA will not go down in value The investment is backed by the U.S. Treasury Information is private and secure 6myRA | my Retirement Account | U.S. Department of the Treasury

myRA is Affordable It costs nothing to open an account No fees for maintenance of the account Contribute is an amount employee selects every payday ($2, $20, $200 – whatever fits your budget)* Enjoy the tax advantages this type of investment brings* 7 *Annual and lifetime contribution limits and annual earned income limits apply, as do conditions for tax-free withdrawal of interest. Limits listed are for 2014 and may be adjusted annually for cost-of-living increases. To learn about key features of a Roth IRA and for other requirements and details, see myRA.treasury.gov. myRA | my Retirement Account | U.S. Department of the Treasury

Who is the myRA designed to help? 8myRA | my Retirement Account | U.S. Department of the Treasury

myRA Could be a Good Option if… Employee wants to start saving for retirement Employee does not have access to a retirement savings plan through their job Employee earns an annual income of less than $132,000 as an individual or $194,000 for married couples filing jointly* 9myRA | my Retirement Account | U.S. Department of the Treasury *Annual and lifetime contribution limits and annual earned income limits apply, as do conditions for tax-free withdrawal of interest. Limits listed are for 2016 and may be adjusted annually for cost-of-living increases. To learn about key features of a Roth IRA and for other requirements and details, see myRA.treasury.gov.

myRA is Risk-Free myRA will not lose value Money is invested in a new type of U.S. Treasury security designed to grow safely myRA accounts earns interest at the same rate as investments in the government securities fund available to federal employees* 10 *Average annual return of 3.39% over the 10-year period from December 2003-December 2013 myRA | my Retirement Account | U.S. Department of the Treasury

myRA Offers Flexibility myRA is a Roth IRA*, a popular retirement savings tool, which gives certain tax advantages Access the money contributed without paying tax and penalty at any time To continue to grow savings, transfer (roll over) account into a private-sector Roth IRA at any time A myRA account can have a maximum balance of $15,000, or a lower balance for up to 30 years, and when either of those limits is reached savings will be rolled over into a private-sector Roth IRA The U.S. Treasury will be providing more information about rollover to the private sector 11 *For more information on Roth IRA go to myRA.treasury.gov myRA | my Retirement Account | U.S. Department of the Treasury

How to start saving with myRA? 12myRA | my Retirement Account | U.S. Department of the Treasury

Become a Saver – It’s Easy There are three simple steps: 1. Sign up at myRA.treasury.gov 2. Submit direct deposit authorization form to employer - contributions will be made automatically each payday or Set up deposits from a checking, savings or other account. Contributions from personal accounts can be setup recurring or one-time contributions. 3. Watch savings grow! 13myRA | my Retirement Account | U.S. Department of the Treasury

What's Needed To sign up, you will need your: Social Security number Driver’s license or state ID Home address The name, birthday and address of your beneficiary (the person you choose to inherit the account) 14myRA | my Retirement Account | U.S. Department of the Treasury

Employer Resources 15myRA | my Retirement Account | U.S. Department of the Treasury

Sharing myRA with Employees myRA | My Retirement Account | U.S. Department of Treasury16

Success myRA | My Retirement Account | U.S. Department of Treasury17

Questions myRA | My Retirement Account | U.S. Department of Treasury18

Start Spreading the News! For more information, visit myRA.gov myRA.gov or call the myRA Customer Support Center at or TTY/TDD or International myRA | my Retirement Account | U.S. Department of the Treasury