NAPA 401k Plan December 2011

NAPA Transportation, Inc. Retirement Plan : 

NAPA Transportation, Inc. Retirement Plan

Agenda: 

2 Section 1 Your Plan’s Provisions Section 2 Benefits of Your Workplace Retirement Plan Section 3 Three Types of Asset Classes and Asset Allocation Section 4 T. Rowe Price Target Date Funds…How Do They Work? Section 5 Website and On-line Enrollment Agenda

Your Plan’s Provisions : 

3 Your Plan’s Provisions Section 1

Section 1: Your Plan’s Provisions: 

4 Eligibility 6 months; age 21 Entry Dates The first of the month Contribution limits Employee deferrals (Pre-Tax and Roth (after-tax)) 1-100% Employer Match 50% up to the first 4% Rollovers Prior to meeting eligibility requirements Section 1: Your Plan’s Provisions

Section 1: Your Plan’s Provisions: 

5 Based on years of service, not participation Only applies when you leave the company Section 1: Your Plan’s Provisions Years of Service 2 3 4 5 6 Vested Percentage 20% 40% 60% 80% 100%

Benefits of Your Workplace Retirement Plan: 

6 Benefits of Your Workplace Retirement Plan Section 2

PowerPoint Presentation: 

7 Main benefits: Monetary The company picks up the annual fees associated with the plan. Convenience “Pay yourself first.” Contributions are automatically deducted from your payroll at the percentage that you specify. Compounding The money that is contributed pre-tax has the potential to grow exponentially. Matching contributions “Free Money.” If you can’t afford to max out your contributions to the 401(k), contribute at least enough to get the matching contributions. A 401(k) is portable If you start making contributions to the Plan and then leave your job with your current employer, your money can travel with you from job to job. Section 2: Benefits of Your Workplace Retirement Plan

Pre-Tax Contributions: 

Pre-Tax Contributions Employee A Employee B Gross Income ($30,000/yr) $1150 $1150 4% 401(k) Contribution $0 $46 Adjusted Gross Income $1150 $1104 Tax (25% tax bracket) $287 $276 ($11 less) Net Pay $863 $828 For $35 You put $46 into your 401(k) plan! Plus NAPA will add $23 to your plan!

Compounding - of your salary ($30,000/yr) : 

Compounding - of your salary ($30,000/yr) Assumes an 8% return, compounded annually. Actual returns and principal will vary.

Three Types of Asset Classes and Asset Allocation: 

10 Three Types of Asset Classes and Asset Allocation Section 3

PowerPoint Presentation: 

11 Section 3: Asset Allocation

Determining Your Investment Profile: 

Determining Your Investment Profile 12

Determining Your Investment Profile: 

Determining Your Investment Profile 13

T. Rowe Price Target Date Funds…How Do They Work?: 

14 T. Rowe Price Target Date Funds…How Do They Work? Section 4

T. Rowe Price Target Date Funds: 

15 T. Rowe Price Target Date Funds

Website Review and On-line Enrollment : 

16 Website Review and On-line Enrollment Section 5

Website Review: 

17 Website Review

Website Review: 

Website Review 18

Website Review: 

Website Review 19

Online Enrollment – Click Enroll Now tab: 

Online Enrollment – Click Enroll Now tab 20

Step 1 shows the parameters of the plan. All you need to do is select the NEXT tab. : 

Step 1 shows the parameters of the plan. All you need to do is select the NEXT tab. 21

Click Next: 

Click Next 22

Select a deferral percentage. (Remember the Employer match is 50% up to the first 4%) : 

Select a deferral percentage. (Remember the Employer match is 50% up to the first 4%) 23

Select the funds for your plan (totaling 100%): 

Select the funds for your plan (totaling 100%) 24

Click enroll me to finish the process : 

Click enroll me to finish the process 25

Online Enrollment – Completed : 

Online Enrollment – Completed 26 Congratulations you are enrolled !

Website Review: 

Website Review 27

PowerPoint Presentation: 

28 The PNC Financial Services Group, Inc. (“PNC”) provides investment and wealth management, fiduciary services, non-discretionary defined contribution plan services and investment options, FDIC-insured banking products and services and lending and borrowing of funds through its subsidiary, PNC Bank, National Association, which is a Member FDIC , and provides certain fiduciary and agency services through its subsidiary, PNC Delaware Trust Company. PNC does not provide legal, tax or accounting advice. PNC does not provide investment advice to Vested Interest plan sponsors or participants. Investments: Not FDIC Insured. No Bank or Federal Government Guarantee. May Lose Value. ©2010 The PNC Financial Services Group, Inc. All rights reserved.