1. Getting Started  What is a 457 plan?  Section 457 of the Internal Revenue Code  It can help you save and invest extra retirement money.  You can voluntarily set aside some of your income before you pay current taxes!  In 2014, you can contribute 100% of your includible compensation or $17,500 (whichever is less).

2. Enroll today. It’s that simple! Reasons to Enroll Now  Easy enrollment and savings  Tax-deferred savings  Investment options  Convenient account management  Personal and professional service  Savings and investment education

3. *This hypothetical illustration assumes a 3.5% rate of inflation for 20 years. 5 Source: http://trends.collegeboard.org/college-pricing/figures-tables/average-published-undergraduate-charges- sector-2013-14, “Average Published Undergraduate Charges by Sector.” Start Saving Now for Your Future  What can time do?  Whatever your goals are, they’ll probably cost more in the future than they do today.* American home $260,000 Item Typical Cost in 2013Typical Cost in 2030 Pound of coffee Women’s blue jeans Tuition per year for public four-year college or university New automobile $78 $8,646 5 $5.65 $27,250 $541,223 $155 $11,612 $10.94 $54,222

4. 35 years25 years15 years $58,902 $229,388 $18,295 $95,095 $34,604 Sarah David The Cost of Waiting to Save and Invest 7 Journey to Retirement  Start now, don’t wait.  Investing wisely and setting realistic goals are key to successful saving.  Starting today can make a big difference. 7 For illustrative purposes only. This hypothetical illustration assumes an 8% annual rate of return, compounded monthly, with no withdrawals or fees taken into account. If such fees were deducted, tax-deferred accumulations would be reduced. This is not intended to represent any particular investment.

5. The Power of Before-Tax Saving *This hypothetical illustration assumes $2,000 in monthly wages, 15% federal income tax withholding and 4% state and local income tax withholding. It does not account for Social Security or Medicare tax. Savings Before Tax Gross Pay$2,000 Less: Contributions to Plan (Before Tax) -$1000 Taxable Pay$1,900$2,000 Less: Estimated Tax Withheld-$361*-$380* Spendable Pay$1,539$1,520 By contributing before tax in this Plan, Sarah has $19 more to spend (or save!) each month compared to saving after taxes—which translates into $228 more per year! Savings After Tax Before-Tax AdvantageNone$19 Less: Contributions to Other Savings Plan (After Tax) -$1000

6. The Power of Before-Tax Saving 8 For illustrative purposes only. This hypothetical illustration assumes a $100 monthly contribution with an 8% annual rate of return, compounded monthly, and 25% federal tax, with no withdrawals or fees taken into account. If such fees were deducted, tax-deferred accumulations would be reduced. This is not intended to represent any particular investment.. $36,000 $59,295 $24,000 $46,732 Savings after 30 years Savings after 20 years $12,000 $16,517 $18,417 Savings after 10 years Tax deferred 8% return Taxable 8% return Taxable 0% return $102,000 $150,030