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ay-A-WayTo:EmployeesRe:Retirement Account AccessPAi welcomes you to your new retirement plan website. On this website, you will be able to performtransactions that enable you to enroll and maintain your retirement plan account.The following features are available to you at this website:Enroll into the plan;Make deferral election changes;Exchanges between investments of existing account balances;Direction of future contributions;Review of vested balances by contribution source;Loan modeling and requests - if allowed by the plan;Transaction history review b y investment.To access your account you c a n go to w w w . s h a r e b u i l d e r 4 0 1 k . c o m a n d select the "Log I n " tab. Then choose"Employees." You will b e required to provide your User Name a n d Password. Your User Name is yourSocial Security Number (without dashes or spaces). Your Password is 7Fii7.s: .' l7 . When y o u log in,y o u will b e asked to choose a new User Name and Password.In addition to the website, you m a y review your account via phone by speaking with a Client ServiceRepresentative. To contact a Client Service Representative, call 800-943-6108, Option 5 between the hoursof 8:00 a.m. to 5:00 p.m. Central Time (with the exception of market holidays).Following are s o m e frequently a s k e d questions about the website and how it w o r k s .Will my account information be secure?Y e s ! w w w . s h a r e b u i l d e r 4 0 1 k. c om is protected by industry standard security measures and products.NOTE: Be certain that you do not provide your access information to anyone. No one from PAi orShareBuilder will ever call you to a s k y o u for your access information.Will this cost me, my employer or my plan anything?No. The website will be available 24 hours a day, 7 days a week and you can access the system as often asyou like. Periodic maintenance and/or circumstances beyond our control may cause occasional serviceinterruption. If you are unable to access the system for any reason, call us directly at 800-943-6108, Option 5so that we may complete any service that you require.Page 1 of 21410 Frey R o a d , Pittsburgh, PA 15235P h o n e (412) 3 7 2 - 6 4 1 4 Fax (412) 3 7 2 - 6 4 1 8
QUALIFIED DEFAULT INVESTMENT ALTERNATIVE NOTICEF O R P E R I O D B E G I N N I N G 01/01/2013 AND E N D I N G 12/31/2013T o : Plan ParticipantsF r o m : Plan A d m i n i s t r a t o r , Pay-A-Way, Inc 401(k) P/S Plan ("Plan")Plan Sponsor: Pay-A-Way, Inc ("Employer")Re: N o t i c e o f Rights under Q u a l i f i e d Default Investment A l t e r n a t i v eDefault Investment InformationR i g h t to direct investment/default investmentY o u have the right to direct the investment o f your elective deferrals, e m p l o y e r matching andnonelective ( p r o f i t sharing) c o n t r i b u t i o n accounts (collectively referred to as y o u r "directedaccounts") in any o f the investment choices available in y o u r Plan. I f y o u do not make an electionas to h o w the Plan should invest y o u r directed accounts, then the Plan trustee w i l l invest yourdirected accounts i n the " d e f a u l t " investment that the Plan Trustee has selected. The defaultinvestment is ShareBuilder Balanced Portfolio with Symbol B D M X X ,and is more fully explained below.Description of default investmentT h e description o f the default investment is as f o l l o w s :Investmentobjectives:Riskand returnFeesand expenses:See attached fund summarycharacteristics(if applicable):See attached fund summarySee attached fund summaryRiglit to alternative investmentEven i f the Plan trustee invests some or a l l o f y o u r directed accounts i n the default investment,you have the c o n t i n u i n g right to direct the investment o f y o u r directed accounts i n one or more o fthe other investment choices available to you as explained above. Y o u may change yourinvestments at any time. Y o u are entitled to invest in any o f the alternative investment choices. I fyou elect to invest in any o f the alternative choices w i t h i n the 90-day period b e g i n n i n g on thedate o f your first elective deferral, neither the Plan nor the investment vendor w i l l impose anytransfer fees or expenses. I f you elect to transfer to an alternative investment after the 90-dayperiod beginning on the date o f your first elective deferral, y o u w o u l d be subject to the same feesand expenses as any other plan participant w h o transfers out o f the fund. These fees may be f o u n din the fund prospectus. Y o u can access a copy o f the prospectus electronically on the participantwebsite or obtain one b y contacting the Plan A d m i n i s t r a t o r .W h e r e to obtain further investment informationY o u can obtain further investment i n f o r m a t i o n about the Plan's investment alternatives other thanthe default investment, and the procedures for changing your Plan investments by contacting:Cynthia Garfoid at (412)372-6414.A d d i t i o n a l i n f o r m a t i o n on investment alternatives is also available o n l i n e t h r o u g h the employeewebsite at www.sharebuilder401k.com.
BuiLoerModel PortfolioFact S h e e tP r e p a r e d as of09/30/2012Advisory services are provided by ShareBuilder Advisors, LLC, a registered investment advisor and a subsidiary of ING Banl , fsb.ING Bank, fsb, and its subsidiaries, including ShareBuilder Corporation, have been acquired by Capital One Financial Corporationand are no longer affiliated w i t h ING Groep N.V. ("ING"). The trademarks ING, ING DIRECT, ING Lion, and the ING Lion iogo,alone or as a part of any trademark, logo, w o r k or domain name are trademarks of ING and are used by permission,4 0 1 ( k ) p l a n s a r e : N o t FDIC i n s u r e d N o t B a n k g u a r a n t e e d M a y lose v a l u e
shareBuiLoerCapitalOne401 Default Investment Information for Your 401(k) AccountYour default investment is chosen by your Employer (aka Plan Sponsor or Trustee) to manage employee 401 (k) contributionsand/or money that arrives before you complete the enrollment process. This typically applies to employees who roll overfunds from another 401(k) or IRA account, or for employees that are auto-enrolled and have not yet selected their own fundpreferences. The default investment selected by your company will stay in effect until you make your selections. GiLk here tolearn more about auto-enrollment.You and Your Employer's Right to Direct and Default InvestmentsEmployees are encouraged to make their own selections in the enrollment process and can adjust them anytime thereafterYou have the right to direct the investment of your elective deferrals, employer matching and nonelective (profit sharing)contribution accounts (collectively referred to as your "directed accounts") in any of the investment choices available inyour Plan, if you do not make an election as to how the Plan should invest your directed accounts, then the Plan trusteewill invest your directed accounts in the "default" investment that the Plan Trustee has selected. Your company has selectedShareBuilder 401 k's Balanced Portfolio as your default investment, which is explained in more detail below.Your Right to Choose Your InvestmentsYou are entitled to invest in any of the investment choices provided in your ShareBuilder 401k. Even if the Plan trusteeinvests some or all of your directed accounts in the default investment, you have the continuing right to direct the investmentof your directed accounts in one or more of the other investment choices available to you as explained above. You maychange your investments at any time by accessing your 401{k) account online. You even can choose not to participate if youwere auto-enrolled.With ShareBuilder 401k there are no transaction costs to move funds between model portfolios or any of the individualfunds available in the plan.(or go toL-L-:- 'i-. ;;:) for a complete list of all fees.ShareBuilder 401k Balanced Model PortfolioThe Balanced Portfolio is designed to emphasize income over growth and is for medium-risk investors. It often fits those thathave a five to ten year time horizon and want to diversify across both aggressive growth-oriented investments and moreconservative interest-earning investments.The Balanced Portfolio is made up of 7 individual Exchange Traded Funds. Please see the data below for the allocation of thefunds, the Model Portfolios performance as of the end of the last quarter and the expense ratio associated with the ModelPortfolio. You may click on the symbols for information on the individual ETFs included in the model portfolio.Balanced Portfolio DVYiShares Dow Jones Select Dividend IndexIWDiShares Russell 1000 Value Index FundMiiShares Russell 1000 Growth Index FundiWMiShares Russell 2000 Index FundVCAVanguard Europe Pacific ETF5%21%8%6%10%IIPiShares Barclays TIPS Bond10%BM Vanguard Total Bond Market40%Portfolio Performance*3 MoYTD1 Yr3 Yr5 YrSince I n c e p t i o nExpense RatioAs o f 0 9 / 3 0 / 2 0 1 23.77%9.23%16.39%9.24%0.90%4.30%0.16%(or go to ;;aiMM'ebuiider401k.com/portfolios) to get more information on the Balanced Model Portfolios, thefunds that make up the portfolio and information on other investment alternatives available under this plan.
BENEFICIARYDESIGNATIONFORMP a v - A - W a y , Inc 4 0 1 (k) P / S P l a nN a m e of E m p l o y e e (First/Middle initial/Last):Social SecurityNumber (SSN):As a n E m p l o y e e in t h e Plan, u s e t h i s f o r m t o d e s i g n a t e t h e B e n e f i c i a r y ( i e s ) w h o w i l l r e c e i v e y o u r Plan b e n e f i t s in t h e e v e n tof y o u r d e a t h .D e s i g n a t i n g b e n e f i c i a r i e s is a n i m p o r t a n t d e c i s i o n , a n d y o u m a y w a n t t o c o n s u l t y o u r a t t o r n e y o r f i n a n c i a ladvisor prior to m a k i n g your decision.a will.R e m e m b e r t h i s f o r m o n l y g o v e r n s b e n e f i t s u n d e r t h e P l a n a n d is n o t a s u b s t i t u t e f o rI t is i m p o r t a n t t o k e e p y o u r B e n e f i c i a r y d e s i g n a t i o n c u r r e n t .affect your existing designation.E v e n t s s u c h as m a r r i a g e , b i r t h , d e a t h o r d i v o r c e m a yY o u r B e n e f i c i a r y d e s i g n a t i o n is e f f e c t i v e o n t h e d a t e y o u r c o m p l e t e d a n d s i g n e d f o r m isr e c e i v e d by t h e A u t h o r i z e d E m p l o y e r R e p r e s e n t a t i v e f o r y o u r Plan.T h e m o s t r e c e n t f o r m o n file cancels a n d s u p e r s e d e s allprevious Beneficiary designations.Check the appropriate option:I h e r e b y c e r t i f y t h a t I a m m a r r i e d , a n d d e s i g n a t e as m y B e n e f i c i a r y ( i e s ) t h e f o l l o w i n g p e r s o n ( s ) .( I f Primary Beneficiary is o t h e r t h a n s p o u s e , spousal consent is r e q u i r e d . )I h e r e b y c e r t i f y t h a t I a m n o t m a r r i e d , a n d d e s i g n a t e as m y B e n e f i c i a r y ( i e s ) t h e f o l l o w i n g p e r s o n ( s ) .Primary Beneficiary(ies)First Name / Middle Initial / Last N a m eor IMame of T r u s tSocial Security N u m b e ror Tax I D N u m b e rShare %Date of Birth orDate of T r u s tRelationship or T r u s tDate of Birth orDate of T r u s tRelationship or Trust1.2.3.Total 1 0 0 %Contingent Beneficiary(ies)First Name / Middle Initial / Last Nameor Name of T r u s tSocial Security N u m b e ror Tax ID N u m b e rShare %1.2.3.Total 1 0 0 %Employee's SignatureDateS P O U S A L C O N S E N T (For Married Employees O n l y ) :"'' « I h e r e b y a p p r o v e of, a n d c o n s e n t t o , t h e d e s i g n a t i o n o f B e n e f i c i a r y ( i e s ) e l e c t e d b y m y s p o u s e a b o v e . I u n d e r s t a n d t h a t ina p p r o v i n g a B e n e f i c i a r y ( i e s ) o t h e r t h a n m y s e l f , I a m w a i v i n g m y r i g h t t o a n y b e n e f i t u n d e r t h e Plan. I f u r t h e r u n d e r s t a n dt h a t t h i s d e s i g n a t i o n w i l l r e m a i n i n e f f e c t u n t i l a s u b s e q u e n t B e n e f i c i a r y ( i e s ) d e s i g n a t i o n w i t h m y w r i t t e n c o n s e n t is f i l e d .Spouse's SignatureDateNotary PublicDateAuthorized EmployerRepresentativeAn Authorized Representative of t h e Employer m u s t sign and date this f o r m .Authorized Employer Representative'sSignatureDateN o t e ; B e n e f i c i a r y d e s i g n a t i o n i n f o r m a t i o n is s o l e l y f o r t h e u s e o f t h e E m p l o y e r . T h i s i n f o r m a t i o n s h a l l n o t b e m a i n t a i n e d o racted u p o n by a n y o t h e r p a r t y . Please r e p o r t a n y c h a n g e to this i n f o r m a t i o n d i r e c t l y t o y o u r E m p l o y e r .Revised 1 0 / 3 1 / 2 0 0 6
ROLLOVERFORMP a y - A - W a y . I n c 4 0 1 (k) P/SPlanN a m e of E m p l o y e e (First/Middle i n i t i a l / L a s t ) :Social SecurityAddress:D a t e of Birth:City, State, Zip:D a t e of Hire:#:As a n E m p l o y e e in t h e Plan, y o u m u s t d i r e c t t h e i n v e s t m e n t o f y o u r f u t u r e a n d c u r r e n t c o n t r i b u t i o n s b y u s e o f t h einternet website or a toll free n u m b e r .P l e a s e be s u r e t o s e e y o u r i n v e s t m e n t a d v i s o r a n d t h e i n v e s t m e n t f u n dmaterial (prospectus) for information on the funds.To access and m a n a g e y o u r a c c o u n t t h e f o l l o w i n g o p t i o n s are a v a i l a b l e .Go t o w w w . s h a r e b u i l d e r 4 0 1 k . c o m a n d s e l e c t t h e " L o g I n " t a b . T h e n c h o o s e " E m p l o y e e s . "r e q u i r e d t o p r o v i d e y o u r User N a m e a n d Password.Y o u w i l l beC o n t a c t t h e C u s t o m e r S e r v i c e D e p a r t m e n t b e t w e e n 8 : 0 0 a . m . t o 5:00 p . m . C e n t r a l T i m e a t 8 0 0 - 9 4 3 - 6 1 0 8 ,O p t i o n 5.I wish to deposit the enclosed rollover check for t o t h e p r e v i o u s l y n a m e d Plan.I understandt h e d e p o s i t w i l l be i n a c c o r d a n c e w i t h m y c u r r e n t i n v e s t m e n t e l e c t i o n s i n p l a c e a t t h e t i m e o f d e p o s i t . I f I h a v e n o te l e c t e d t o d i r e c t t h e i n v e s t m e n t o f m y a c c o u n t , I u n d e r s t a n d t h a t m y f u n d s w i l l be i n v e s t e d in t h e d e f a u l t f u n d f o r t h ePlan as s e l e c t e d b y m y E m p l o y e r . I a l s o c e r t i f y t h a t t h i s r o l l o v e r is a n e l i g i b l e r o l l o v e r d i s t r i b u t i o n a c c o r d i n g t o I R Sr e g u l a t i o n s . As t h e o w n e r o f t h e r o l l o v e r a s s e t s , I u n d e r s t a n d t h a t it is m y r e s p o n s i b i l i t y t o be a w a r e o f t h e r i s k s a n dliabilities of t h e i n t e n d e d r o l l o v e r w i t h r e g a r d t o m y personal e x p o s u r e to liability claims and claims of creditors.These risks m a y vary f r o m state to state and the Employer and/or T r u s t e e ( s ) c a n n o t accept responsibility form a n a g i n g t h a t risk f o r t h e individual e m p l o y e e s .N O T E : T h e s o u r c e o f t h i s r o l l o v e r is f r o m a n e l i g i b l e r e t i r e m e n t p l a n d e s c r i b e d a s f o l l o w s ( p l e a s e c h e c k o n e ) :iI4 0 1 ( a ) Q u a l i f i e d P l a n (such as a Pension, Profit Sharing, 401(l ) Plan or Simple 4 0 1 ( k ) Plan)T r a d i t i o n a l / C o n d u i t I R A (a conduit I R A is an I R A that holds only assets that have been properly rolled over from a qualifiedretirement plan as defined by Code Section 4 0 1 ( a ) )403(b)Governmental 457Simple IRASEPPlease have t h e c h e c k m a d e p a y a b l e t o :PAi Trust - SharebuilderT h e c h e c k a n d a c o p y of t h i s f o r m m u s t be m a i l e d t o :PAiP.O. B o x 6 0De Pere, W I, FBO E m p l o y e e ' sName.54115-0060I u n d e r s t a n d t h a t t h e s e f u n d s , o n c e d e p o s i t e d i n t h e Plan, w i l l be s u b j e c t t o all p r o v i s i o n s o f t h e P l a n . M y s i g n a t u r ei n d i c a t e s m y a c c e p t a n c e o f t h e a v a i l a b l e o p t i o n s f o r d i r e c t i n g c u r r e n t a n d f u t u r e i n v e s t m e n t s a n d a c c e s s i n g Planoptions.Employee'sSignatureDateAuthorized EmployerRepresentativeAn A u t h o r i z e d R e p r e s e n t a t i v e of t h e E m p l o y e r m u s t sign and date this f o r m .m o n e y t h e y received in a d i s t r i b u t i o n f r o m a n o t h e r r e t i r e m e n t plan.Authorized EmployerRepresentative'sSignatureT h e Plan p e r m i t s E m p l o y e e s t o d e p o s i tDatePrint N a m eRevised11/1/2011
PARTICIPANT LOAN PROCEDUREPursuant to the terms of the Plan Administrators, Inc. retirement plan s p o n s o r e d by your employer, theTrustee has a d o p t e d a participant loan p r o g r a m as part of such Plan a n d Trust. T h e program isintended to c o m p l y with Labor Regulation 2 5 5 0 . 4 0 8 b - 1 , and P r o p o s e d Internal R e v e n u e Regulation sec1.72(p)-1. L o a n s will be m a d e pursuant to the terms of the Plan a n d Trust a n d the following provisionsof this Participant Loan P r o g r a m .A.Administration of ProgramY o u r E m p l o y e r is your "Loan Administrator" and is responsible for the administration of the loanprogram. All inquires related to plan loans should be delivered to your normal payroll contactperson or h u m a n resources department.B.Application ProcedureIf your plan allows loans from the internet:1.Log in to your participant account on t h e plan w e b s i t e — s e e w e b instructions forfurther information.2.P r o c e e d to the Loans tab and "Model" and "Accept" the loan that you need.3.Y o u r loan p r o c e e d s will be sent to your h o m e a d d r e s s . Y o u r signature on yourc h e c k indicates your acceptance of the loan and its t e r m s .4.Y o u r payroll deduction repayment dates and a m o u n t will be provided automaticallyto your E m p l o y e r to begin the repayment p r o c e s s .If your plan does not allow loans from the internet:1.Obtain and c o m p l e t e a loan application form as provided by the Loan Administrator.2.S u b m i t the c o m p l e t e d loan application to the Loan A d m i n i s t r a t o r at least 30 days before thedate the loan is to be m a d e .3.Loan applications will be reviewed by the Loan A d m i n i s t r a t o r for c o m p l e t e n e s s .applications will be returned to the applicant for c o m p l e t i o n .4,A p p r o v e d loans will be processed on receipt or as s o o n as administratively possible.Incomplete
B a s i s for ApprovalsLoans are available to all actively e m p l o y e d participants without regard to any individual's race,color, religion, sex, a g e , or national origin. Each application will be r e v i e w e d on anondiscriminatory basis but will be a s s e s s e d on the application's credit worthiness, financialneed, and the p u r p o s e and terms of the loan. A n individual m a y be d e n i e d future loans if he orshe defaulted on any previous loan.Limitations1.Limitations o n T y p e s of LoansSubject to the limitations on the a m o u n t of any l o a n , loans will be approved if the loanp r o c e e d s are to be used for any purpose.2.3.Limitations on A m o u n t s of L o a n sa.T h e m i n i m u m a m o u n t of any loan is 1 0 0 0b.T h e m a x i m u m a m o u n t of any loan is the lesser of 5 0 , 0 0 0 or 5 0 % of the vestedinterest of the participant in the Plan. T h e 5 0 , 0 0 0 m a x i m u m a m o u n t will bereduced by the participant's highest o u t s t a n d i n g loan balance in the previoustwelve m o n t h s , even if a m o u n t s have been r e p a i d .c.T h e balance of outstanding loans to a single participant may not exceed 50,000.d.T h e Loan Administrator m a y limit the n u m b e r of loans a participant may haveo u t s t a n d i n g at any one time. Such limit will be set and administer
With ShareBuilder 401k there are no transaction costs to move funds between model portfolios or any of the individual funds available in the plan. (or go to L-L- :- 'i-.;;:) for a complete list of all fees. ShareBuilder 401k Balanced Model Portfolio The Balanced Portfolio is designed to empha
