1. Choosing an FRS Retirement Plan [Your Organization’s Name]

2. MyFRS Financial Guidance Line at 1-866-446-9377 1 You Have an Important Choice to Make! OR Investment Plan Pension Plan

3. MyFRS Financial Guidance Line at 1-866-446-9377 2 Comparing the Plans – Plan Type and Vesting TraditionalTraditional 8-year vesting*8-year vesting* TraditionalTraditional 8-year vesting*8-year vesting* FRS Pension Plan Vesting = Ownership of your benefit or account * 6 years with prior service FRS Investment Plan More mobileMore mobile 1-year vesting1-year vesting Takes time to growTakes time to grow More mobileMore mobile 1-year vesting1-year vesting Takes time to growTakes time to grow

4. MyFRS Financial Guidance Line at 1-866-446-9377 FRS Pension PlanFRS Investment Plan 3 Comparing the Plans – Contributions Employer and employeeEmployer and employee Single pension trust fundSingle pension trust fund Plan controls investmentsPlan controls investments Employer and employeeEmployer and employee Single pension trust fundSingle pension trust fund Plan controls investmentsPlan controls investments Employer and employeeEmployer and employee Individual, portable accountIndividual, portable account You control investmentsYou control investments Employer and employeeEmployer and employee Individual, portable accountIndividual, portable account You control investmentsYou control investments

5. MyFRS Financial Guidance Line at 1-866-446-9377 Comparing the Plans – Your Benefit FRS Pension PlanFRS Investment Plan Fixed formulaFixed formula Guaranteed for lifeGuaranteed for life DROPDROP Fixed formulaFixed formula Guaranteed for lifeGuaranteed for life DROPDROP Contributions + investment earningsContributions + investment earnings You choose your distribution optionsYou choose your distribution options No DROPNo DROP Contributions + investment earningsContributions + investment earnings You choose your distribution optionsYou choose your distribution options No DROPNo DROP 4

6. MyFRS Financial Guidance Line at 1-866-446-9377 5 Consider Your Length of Service Stay with FRS employer for: Consider: 1 to 8 years * The Investment Plan 9 or more years * Best Plan = many factors *1–6 years or 7 or more years if you have Pension Plan service before July 1, 2011

7. MyFRS Financial Guidance Line at 1-866-446-9377 6 New Employee FRS Enrollment KitNew Employee FRS Enrollment Kit MyFRS Financial Guidance LineMyFRS Financial Guidance Line MyFRS.comMyFRS.com CHOICE SERVICECHOICE SERVICE New Employee FRS Enrollment KitNew Employee FRS Enrollment Kit MyFRS Financial Guidance LineMyFRS Financial Guidance Line MyFRS.comMyFRS.com CHOICE SERVICECHOICE SERVICE Your CHOICE Resources

8. MyFRS Financial Guidance Line at 1-866-446-9377 7 Personalized Benefit Comparison Statement PIN – keep this numberPIN – keep this number Compares projected benefitsCompares projected benefits One set of assumptionsOne set of assumptions Online CHOICE SERVICEOnline CHOICE SERVICE Call for assistanceCall for assistance PIN – keep this numberPIN – keep this number Compares projected benefitsCompares projected benefits One set of assumptionsOne set of assumptions Online CHOICE SERVICEOnline CHOICE SERVICE Call for assistanceCall for assistance

9. MyFRS Financial Guidance Line at 1-866-446-9377 8 MyFRS.com First time log in to  PINFirst time log in to  PIN Create a personal login to accessCreate a personal login to access Decision-making informationDecision-making information CHOICE SERVICECHOICE SERVICE New Hire Roadmap and VideoNew Hire Roadmap and Video Summary Plan DescriptionsSummary Plan Descriptions Enroll onlineEnroll online First time log in to  PINFirst time log in to  PIN Create a personal login to accessCreate a personal login to access Decision-making informationDecision-making information CHOICE SERVICECHOICE SERVICE New Hire Roadmap and VideoNew Hire Roadmap and Video Summary Plan DescriptionsSummary Plan Descriptions Enroll onlineEnroll online

10. MyFRS Financial Guidance Line at 1-866-446-9377 9 MyFRS Financial Guidance Line Toll-freeToll-free Free financial planning assistanceFree financial planning assistance Choose a planChoose a plan Personal financial planningPersonal financial planning Unbiased guidanceUnbiased guidance Help you with MyFRS.comHelp you with MyFRS.com Ongoing assistanceOngoing assistance Toll-freeToll-free Free financial planning assistanceFree financial planning assistance Choose a planChoose a plan Personal financial planningPersonal financial planning Unbiased guidanceUnbiased guidance Help you with MyFRS.comHelp you with MyFRS.com Ongoing assistanceOngoing assistance 1-866-446-9377 Keep Your PIN

11. MyFRS Financial Guidance Line at 1-866-446-9377 10 4:00 p.m. ET on the last business day 5 months after you are hired. INVESTMENT PLAN OR PENSION PLAN? More Than 5 Months to Decide 12345 “New Employee FRS Enrollment Kit” mailed to your home Reminder letters mailed to your home MONTH OF HIRE ENROLLMENT DEADLINE Your hire date Orientation through your employer

12. MyFRS Financial Guidance Line at 1-866-446-9377 11 How to Make Your Election Regular or Special Risk Class employeeRegular or Special Risk Class employee OnlineOnline Call the MyFRS Financial Guidance LineCall the MyFRS Financial Guidance Line Paper formPaper form Other Membership Class – paper onlyOther Membership Class – paper only EZ Enrollment FormEZ Enrollment Form Investment Plan default fund – FRS Select Moderate Balanced FundInvestment Plan default fund – FRS Select Moderate Balanced Fund General Enrollment FormGeneral Enrollment Form Investment Plan fund allocationInvestment Plan fund allocation Regular or Special Risk Class employeeRegular or Special Risk Class employee OnlineOnline Call the MyFRS Financial Guidance LineCall the MyFRS Financial Guidance Line Paper formPaper form Other Membership Class – paper onlyOther Membership Class – paper only EZ Enrollment FormEZ Enrollment Form Investment Plan default fund – FRS Select Moderate Balanced FundInvestment Plan default fund – FRS Select Moderate Balanced Fund General Enrollment FormGeneral Enrollment Form Investment Plan fund allocationInvestment Plan fund allocation

13. MyFRS Financial Guidance Line at 1-866-446-9377 12 Beneficiary Designation Make change online or submit a Beneficiary Designation form anytimeMake change online or submit a Beneficiary Designation form anytime Pension Plan  BEN-001Pension Plan  BEN-001 Investment Plan  IPBEN-1Investment Plan  IPBEN-1 Get form online or callGet form online or call Enrollment form default designationEnrollment form default designation Florida StatutesFlorida Statutes Speak with a financial plannerSpeak with a financial planner Make change online or submit a Beneficiary Designation form anytimeMake change online or submit a Beneficiary Designation form anytime Pension Plan  BEN-001Pension Plan  BEN-001 Investment Plan  IPBEN-1Investment Plan  IPBEN-1 Get form online or callGet form online or call Enrollment form default designationEnrollment form default designation Florida StatutesFlorida Statutes Speak with a financial plannerSpeak with a financial planner

14. MyFRS Financial Guidance Line at 1-866-446-9377 13 2 nd Election One-time opportunityOne-time opportunity Choose wisely nowChoose wisely now Don’t waste your 2 nd ElectionDon’t waste your 2 nd Election One-time opportunityOne-time opportunity Choose wisely nowChoose wisely now Don’t waste your 2 nd ElectionDon’t waste your 2 nd Election

15. MyFRS Financial Guidance Line at 1-866-446-9377 14 Free Financial Planning Resources Investment Plan and Pension Plan membersInvestment Plan and Pension Plan members Ernst & YoungErnst & Young Free and unbiased help with:Free and unbiased help with: Retirement planningRetirement planning Investment planningInvestment planning Estate planningEstate planning Tuition planningTuition planning Debt, spending, and credit issuesDebt, spending, and credit issues Investment Plan and Pension Plan membersInvestment Plan and Pension Plan members Ernst & YoungErnst & Young Free and unbiased help with:Free and unbiased help with: Retirement planningRetirement planning Investment planningInvestment planning Estate planningEstate planning Tuition planningTuition planning Debt, spending, and credit issuesDebt, spending, and credit issues

16. MyFRS Financial Guidance Line at 1-866-446-9377 15 Action Plan for Making Your Choice ReviewReview CallCall Log in toLog in to CHOICE SERVICECHOICE SERVICE Take action and make an informed choiceTake action and make an informed choice QUESTIONS?QUESTIONS? ReviewReview CallCall Log in toLog in to CHOICE SERVICECHOICE SERVICE Take action and make an informed choiceTake action and make an informed choice QUESTIONS?QUESTIONS?