ENROLLMENT VIDEO

Support your 2017 employee education program.• Celebrate National Retirement Security Week, October 15-21,

2017 with tools offered on the NAGDCA website.

• Promote new generation-based education with a poster and employee message.

• Encourage your employees to watch the RetireOnTarget® eLearning Series.

Promote additional resources and encourage your employees to update their email address under the My Profile link to stay connected! And everything you see here can be accessed on the participant website under the Retirement Plan Resources tab, Education.

Check out Pull Out the Stops to Employee Engagement — a collection of 5 short interviews on motivating participants to be active planners.

Watch Plan Design for 2017 and Beyond — an on-demand panel discussion.

See what’s happening and support education with posters and employee messages.

Employee education drives successful retirement outcomes. Engage your employees, right from the start.

CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI CUNA Mutual Retirement Solutions, BenefitsForYou, and CUNA Mutual Group are marketing names for CPI Qualified Plan Consultants, Inc. and CMFG Life Insurance Company. CMFG Life Insurance Company located in Waverly, Iowa issues annuity insurance products and is solely responsible for the financial obligations under the policies and contracts it issues.Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisors.The statements and representations contained in this document are intended to be educational in nature. They are not designed to be interpreted as investment advice.

CMRS-1745021.2-0617-0719 © CUNA Mutual Retirement Solutions, 2017 All rights reserved.

Retirement Education LibraryEducation Resources for Your Employees

BE READY FOR RETIREMENT

M Y R E T I R E M E N T F U T U R E . C O M

MORE ON-DEMAND EDUCATION

NEW E-LEARNING SERIES: GENERATIONS

EMPLOYER NEWS EMPLOYEE NEWS

Learning how to invest is challenging until you take the emotion out of it. Think about your investment process from a data-driven perspective. We’ve outlined a few best practices for you to consider.

Step 1. Decide if you will choose a target date fund, or choose other investment options based on your risk profile.

The additional steps outlined here will help you when you create your own investment portfolio. If you choose target date funds you are good to go!

Step 2. Define your investment style.

Are you conservative, aggressive or somewhere in between? Answer the following questions and tally your score to learn more.

I plan on retiring in: Rating

1. 0-5 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1

2. 5-20 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3

3. More than 20 years . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5

In investing this money, my biggest concern is:

1. I don’t want to lose any money in investing . . . . . . . . . . . . 1

2. Having a good return, with some fluctuations in value . . . . 3

3. Maximizing my return and I am comfortable with large ups and downs of the market . . . . . . . . . . . . . . . . . . 5

If the value of my account declined by 20% in one year, for example from $50,000 to $40,000, I would:

1. Make changes immediately to prevent further losses . . . . 1

2. Wait at least another year before considering changes . . . 3

3. Make no changes and stick to my long-term strategy . . . . 5

Under which one year return scenario are you most comfortable?

1. Up to a 10% gain, no more than a 5% loss . . . . . . . . . . . . 1

2. Up to a 25% gain, no more than a 15% loss . . . . . . . . . . . 3

3. Up to a 40% gain, no more than a 25% loss . . . . . . . . . . . 5

Sub-total pg. 1

Understanding How to InvestEMPLOYEE EDUCATION

Target Date FundsWhen your company offers target date funds as one of the plan’s investment options, you have the option of having your investment mix selected for you.

To use this option, simply choose a target date fund with a year close to your anticipated year of retirement and let the fund managers choose the investments and asset allocation for you. Target date funds are generally more aggressive (mostly stocks) when you are in your 20s and 30s and will adjust to a more conservative approach as you near retirement.

These portfolios are sample illustrations only and not intended to represent an actual security or investment account.

Bond 5% Cash

5%

Stock 90%

>30 yearsBond 10% Cash

5%

Stock 85%

20 yearsBond 40% Cash

10%

Stock 50%

<10 years

SAMPLE ALLOCATION BASED ON YEARS TO RETIREMENT

E M P L O Y E E S O L U T I O N S Continued on back

Best Practices

2014 SampleHypothetical Savings Illustration

abcdefghijklmnop

This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Deferral % 0.00% 2.00% 4.00% 6.00% 8.00%Gross Pay $30,000 $30,000 $30,000 $30,000 $30,000-Pretax Deferral $0 $600 $1,200 $1,800 $2,400Taxable Gross Pay $30,000 $29,400 $28,800 $28,200 $27,600-Social Security $2,295 $2,295 $2,295 $2,295 $2,295-Federal Tax $2,325 $2,235 $2,145 $2,055 $1,965-State Tax $648 $632 $616 $599 $583

Roth Deferral % 0.00% 0.00% 0.00% 0.00% 0.00%-Roth 401(k) Contribution $0 $0 $0 $0 $0

Net Amount $24,732 $24,238 $23,744 $23,251 $22,757Deduction From Net $0 $494 $988 $1,481 $1,975A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $106 $212 $319 $425One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $0 $600 $1,200 $1,800 $2,400Difference $0 $106 $212 $319 $425Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $14,026 $17,717 $21,409 $25,101 $28,793After 10 Years $19,672 $28,542 $37,412 $46,282 $55,152At Age 65 $106,766 $195,514 $284,262 $373,010 $461,758Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $6,985 $13,391 $19,797 $26,203 $32,608

2014 SampleHypothetical Savings Illustration

abcdefghijklmnop

This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Roth 401(k) Traditional 401(k)Gross Pay $30,000 $30,000-Pretax Deferral $0 $1,500Taxable Gross Pay $30,000 $28,500-Social Security $2,295 $2,295-Federal Tax $2,325 $2,100-State Tax $648 $608

-Roth 401(k) Contribution $1,500 $0

Net Amount $23,232 $23,497Deduction From Net $1,500 $1,235A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $265One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $1,500 $1,500Difference $0 $265Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $23,255 $23,255After 10 Years $41,847 $41,847At Age 65 $328,636 $328,636Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $23,000 $23,000Estimated Marginal Tax 0.00% $31,220Account Balance After Tax $328,636 $297,416

2014 SampleHypothetical Savings Illustration

abcdefghijklmnop

This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Roth 401(k) Traditional 401(k)Gross Pay $30,000 $30,000-Pretax Deferral $0 $1,500Taxable Gross Pay $30,000 $28,500-Social Security $2,295 $2,295-Federal Tax $2,325 $2,100-State Tax $648 $608

-Roth 401(k) Contribution $1,500 $0

Net Amount $23,232 $23,497Deduction From Net $1,500 $1,235A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $265One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $1,500 $1,500Difference $0 $265Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $23,255 $23,255After 10 Years $41,847 $41,847At Age 65 $328,636 $328,636Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $23,000 $23,000Estimated Marginal Tax 0.00% $31,220Account Balance After Tax $328,636 $297,416

800.279.4015, Ext. 847.3206

How do I read my savings illustration?

M Y R E T I R E M E N T F U T U R E . C O M

Maximum deferral – This shows you the maximum % you may defer* without exceeding the IRS limits for this year.

Deduction from net – The amount coming out of your paycheck.

Tax savings – The amount of tax savings you see each pay period.

Total contribution – The amount deposited into your retirement plan.

Difference – The amount you benefit when you participate.

Roth – The tax benefit upon distribution at retirement.

888.999.8786 CUNAMUTUALRS.COM

CMRS-1056389.2-0317-0419-ROTH © CUNA Mutual Retirement Solutions

2017 All rights reserved

*This hypothetical illustration does not take into consideration the maximum contribution limits set by your plan document.

CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Life Insurance Company, located in Madison, Wisconsin. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues.

Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisors.

Traditional

800.279.4015, Ext. 847.3206

When it comes to saving for your retirement goals, it’s important to keep a long-term perspective.

It’s easy to consider taking money from your retirement account when the unexpected happens. But it can be costly to take money out of your account before you retire.

What could a $20,000 withdrawal mean to your bottom line? For example, if you are 35 and take a $20,000 distribution, you may end up with only $12,000 of your money. Depending on your tax rate, you could pay up to 30% in combined state and federal income taxes. And since you are not 59 1/2 yet, an additional10% early withdrawal penalty applies.

Avoid taking distributions if you change employers.It’s tempting to cash out your retirement savings, but it harms your long-term plan and puts you in a position of starting over. Consider leaving your money where it is, if allowed. It will continue to grow over time. You can also roll your account balance into an Individual Retirement Account (IRA) or your new employer’s qualified retirement plan. These options enable you to avoid current taxes on the money you’ve already saved in your plan. And your funds can continue to accumulate for your retirement.

Keeping a Long-Term Perspective

This is a hypothetical example used for illustrative purposes only. It assumes a combined federal and state income-tax rate of 30%. Your tax rate may be different and you may be eligible for an exception to the 10% penalty. Sources: Federation of Tax Administrators and US Census Bureau

Keep your retirement funds working toward your future income needs.

401(k) balance: $20,000

10% early withdrawal tax penalty: $2,000

State and Federal taxes: $6,000

What you’re left with: $12,000

M Y R E T I R E M E N T F U T U R E . C O M

CMRS-1041057.2-0317-0419 © CUNA Mutual Retirement Solutions, 2017 All rights reserved.

Long-Term Perspective

C U N A M U T U A L R E T I R E M E N T S O L U T I O N S

Employee Education Library

A guide to using your retirement plan website.

E M P L O Y E E S O L U T I O N S Continued on back

Participating in your company’s retirement plan is an easy way to make regular, tax-deferred contributions to help meet the challenges you face in achieving a secure retirement. And managing your account has never been easier. Just sign in to www.myretirementfuture.com, review your account and make adjustments as life changes.

• Check the Message Board to see what’s new with your plan.

• Review your account status with the My Portfolio snapshot. On the right side of the screen, you can access tools and resources under the Quick Links menu. There’s also a direct link to the Investment Guidance module.

My Retirement Account• Understand your benefit statement. See how your account balance is

broken down – by fund and by contribution source, along with other plan details.

• Review Reports and Transactions. You ‘ll find pending transactions, fund-to-fund transfers, account rebalance tools, pending distribution status and the ability to review transactions under this menu option.

• Request or check the status of your loan. If loans are available with your plan, you can model, request and check the status of your loan at your convenience.

• Designate and update your Beneficiary(ies). When approved by your plan administrator, you have the ability to change your beneficiary online. Otherwise you can access the form needed to change your beneficiary under the Retirement Plan Resources menu, Forms & Documents, Plan Forms.

• Manage your settings on My Profile. Keep your contact information up-to-date, manage your password, choose to receive electronic benefit statements, and set your language preferences all under My Profile.

800.279.4015, Ext. 847.3206

How can I get access?

When you first log in to your account, you will be asked to set up your User Name and Password.

• Go to the website: www.myretirementfuture.com

• Select Employee / Participant website

• Set up your account

• You’ll need a few numbers to get started:

• The last four digits of your social security number

• Your date of birth

• Your plan’s reference number. You may obtain this number from your employer.

Once you have set up your account, click on the name of your company’s plan and turn your retirement goals into reality.

Make the most of the retirement planning tools that come with your plan.

A guide to using your retirement plan website.

Roth vs. Traditional Retirement Savings

800.279.4015, Ext. 847.3206

You pay income taxes on your contributions now.

You don’t pay any taxes on your current earnings as your Roth account grows.

Your Roth account earnings may be distributed tax-free when you take them out if:

• You’ve held your Roth account for at least 5 years.

• You’re at least age 59 ½.

If you anticipate being in a higher tax bracket after you retire, the tax-free treatment of your Roth earnings may be more beneficial.

If you have a long timeline to retirement, that extra time to accumulate earnings could potentially increase the value of the tax-free treatment of your Roth withdrawals.

You get an immediate tax break on your contributions and you only pay income taxes on your contributions when you take them out.

You don’t pay any current taxes on the earnings as your traditional account grows.

Earnings on your traditional contributions are always taxable.

If you anticipate being in a lower tax bracket when you retire, the immediate tax break of a traditional contribution may be more beneficial.

ROTH TRADITIONAL

You can do traditional pre-tax contributions, after-tax

Roth contributions or a combination of the two. How

do you know if Roth is right for you?

When you consider a combination of Roth and Traditional retirement plans you get:

• A valuable tax break while you’re still working (traditional).

• Based on your taxable situation, the flexibility from which account to draw funds.

CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Life Insurance Company, located in Madison, Wisconsin. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues.

Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. The Investor Guidance Center team members offer retirement and investment education but do not provide investment, legal, or tax advice and do not specialize in Social Security issues. Participants are encouraged to consult their own advisors. For questions about your Social Security benefits, contact your Social Security office.

CMRS-1021372.2-0316-0418 © CUNA Mutual Retirement Solutions, 2017 All rights reserved.

Roth vs. Traditional

CUNA Mutual Retirement Solutions

A guide to requesting online transactions.

I N F O R M A T I O N S H E E T

P A R T I C I P A N T S O L U T I O N S W W W . M Y R E T I R E M E N T F U T U R E . C O M

Manage your retirement plan easily at www.myretirementfuture.com. The most

common transactions are detailed below.

1. Click on My Retirement Account menu option2. Select My Beneficiary, then click Designate My Beneficiary Online3. Click the appropriate circle under Statement of Maritial Status4. Enter beneficiary(ies) information5. Click the Submit button and confirm

To designate your beneficiary(ies):

1. Click on Investments & Elections menu option2. Select Change Salary Deferral3. Select Percent or Dollars (This option is only available if the plan allows both deferrals by

percent and by dollar.)4. Enter percent or dollar amount in the Change Per Payroll Deferral box5. Click the Change Salary Deferral button and confirm

To change salary deferral:

1. Click on Investments & Elections menu option2. Select Change My Future Contribution Investment Election3. Enter a percentage in the New Election % column (The percentage must total 100%.)4. Click the Change Election button and confirm

To change future contribution investment elections:Changing future contributions will not affect existing assets.

1. Click on Investments & Elections menu option2. Select Change My Future Contribution Investment Election3. Enter the new percentage in the New Election % column (The percentage must total

100%.)4. Click the Change Elections button5. Check the box below the Details box and confirm

To change future contribution investment elections and rebalance existing assets:

No transaction is considered complete until a confirmation number is generated.

This transaction will rebalance existing assets to the same percentages selected for the Investment Elections.

A guide to requesting online transactions.

800.279.4015, Ext. 847.3206

First Consider the Consequences of a Loan

It’s a loan—not free money

You might think that borrowing from your retirement plan is like going to the bank and taking money out of a savings account — after all, it’s your own money. But this is not the case. When you borrow money from your retirement plan, you are taking out a loan. This means you promise to pay back what you borrow — with interest added on — just like any other kind of loan.

Your retirement plan is a qualified investment, with immediate tax benefits and special rules. Your payroll contributions to the plan and the interest you earn are subject to special tax treatment when you put the money in and when you take it out. That’s why you’re not able to take money out of your retirement plan the same way you do from a regular savings account.

When you take a loan from your retirement plan, you need to establish a repayment schedule, which usually ranges from one to five years. The payments will be deducted from your paycheck automatically. Just as if you were to take out any other type of loan, this will become an ongoing expense you’ll need to budget for until your loan is repaid in full.

Your retirement plan is set up for the primary purpose of helping you save for the “retirement paycheck” you’ll need after you stop working. Before taking out a loan, consider other options first and have a full understanding of what borrowing from your retirement plan will really cost you.

You’ll be taxed twice on the money you borrow*

The money you borrow from your retirement account is typically money that you contributed before taxes, but you will pay the loan back with after-tax money. Unlike your contributions, your loan repayments are not deducted from your paycheck before taxes. When you withdraw the money at retirement, the amount withdrawn will be taxed again according to the rules that govern qualified plans. *For general educational purposes only. For questions concerning your specific tax situation, please consult a tax professional.

Participant: Jason

If you are in the 25% tax bracket like Jason, earning $1 only gives you $0.75 toward repaying the loan. That $0.75 you put back into your retirement account as a loan payment will be taxed again when you take the money out.

M Y R E T I R E M E N T F U T U R E . C O M

Continued on backEMPLOYEE SOLUTIONS

Loans

2014 SampleHypothetical Savings Illustration

abcdefghijklmnop

This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Deferral % 0.00% 2.00% 4.00% 6.00% 8.00%Gross Pay $30,000 $30,000 $30,000 $30,000 $30,000-Pretax Deferral $0 $600 $1,200 $1,800 $2,400Taxable Gross Pay $30,000 $29,400 $28,800 $28,200 $27,600-Social Security $2,295 $2,295 $2,295 $2,295 $2,295-Federal Tax $2,325 $2,235 $2,145 $2,055 $1,965-State Tax $648 $632 $616 $599 $583

Roth Deferral % 0.00% 0.00% 0.00% 0.00% 0.00%-Roth 401(k) Contribution $0 $0 $0 $0 $0

Net Amount $24,732 $24,238 $23,744 $23,251 $22,757Deduction From Net $0 $494 $988 $1,481 $1,975A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $106 $212 $319 $425One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $0 $600 $1,200 $1,800 $2,400Difference $0 $106 $212 $319 $425Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $14,026 $17,717 $21,409 $25,101 $28,793After 10 Years $19,672 $28,542 $37,412 $46,282 $55,152At Age 65 $106,766 $195,514 $284,262 $373,010 $461,758Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $6,985 $13,391 $19,797 $26,203 $32,608

2014 SampleHypothetical Savings Illustration

abcdefghijklmnop

This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Roth 401(k) Traditional 401(k)Gross Pay $30,000 $30,000-Pretax Deferral $0 $1,500Taxable Gross Pay $30,000 $28,500-Social Security $2,295 $2,295-Federal Tax $2,325 $2,100-State Tax $648 $608

-Roth 401(k) Contribution $1,500 $0

Net Amount $23,232 $23,497Deduction From Net $1,500 $1,235A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $265One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $1,500 $1,500Difference $0 $265Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $23,255 $23,255After 10 Years $41,847 $41,847At Age 65 $328,636 $328,636Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $23,000 $23,000Estimated Marginal Tax 0.00% $31,220Account Balance After Tax $328,636 $297,416

2014 SampleHypothetical Savings Illustration

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This example estimates federal taxes, state taxes, and social security payments based on the information you have provided. The example strives to utilize currentvalues in its calculations, but no representation is made as to its accuracy and completeness. This example does not take other potential payroll deductions intoaccount. This example is merely an estimate designed for your informational purposes only. Your actual outcome will vary and will most likely be different.

The rate of return used in this example is hypothetical, is not intended to be a projection of future values, and is not guaranteed. The amounts based on thehypothetical rate of return do not consider taxes, investment management fees, or product related charges. If these expenses had been taken into account, thetotals would have been lower. Withdrawals from a qualified plan are subject to normal income tax treatment and if made prior to age 59 1/2 may be subject to anadditional 10% federal income tax penalty.

Name Date Age State Location

John Doe 1/23/2014 30 KSAnnual Income Pay Period Filing Status Fed Ex State Ex Balance

$30,000 1 M 0 0 $10,000Maximum Deferral

50.0%

Roth 401(k) Traditional 401(k)Gross Pay $30,000 $30,000-Pretax Deferral $0 $1,500Taxable Gross Pay $30,000 $28,500-Social Security $2,295 $2,295-Federal Tax $2,325 $2,100-State Tax $648 $608

-Roth 401(k) Contribution $1,500 $0

Net Amount $23,232 $23,497Deduction From Net $1,500 $1,235A 401(k) plan is a retirement savings plan which allows you to set aside via payroll deductions a portion of your pay in a tax sheltered retirement fund.Deferral % represents the amount being deducted from the paycheck. Notice that as you increase the deferral percentage, the federal and state tax isreduced.

+Tax Savings $0 $265One of the valuable features of the 401(k) plan is a company "match". A match simply means the employer will contribute funds to an employee's401(k) plan for every dollar the employee contributes, usually within limits.

=Total Contribution $1,500 $1,500Difference $0 $265Here is an example of what can happen when you start to save now, invest wisely and take control of your retirement future.

401(k) Balance @ Hypothetical 7.0% InterestAfter 5 Years $23,255 $23,255After 10 Years $41,847 $41,847At Age 65 $328,636 $328,636Don't Wait. Start today. The longer you wait the more money you leave on the table. Take a look:

Cost of Waiting 1 Year $23,000 $23,000Estimated Marginal Tax 0.00% $31,220Account Balance After Tax $328,636 $297,416

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How do I read my savings illustration?

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Maximum deferral – This shows you the maximum % you may defer* without exceeding the IRS limits for this year.

Deduction from net – The amount coming out of your paycheck.

Tax savings – The amount of tax savings you see each pay period.

Total contribution – The amount deposited into your retirement plan.

Difference – The amount you benefit when you participate.

Roth – The tax benefit upon distribution at retirement.

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CMRS-1056389.2-0317-0419-ROTH © CUNA Mutual Retirement Solutions

2017 All rights reserved

*This hypothetical illustration does not take into consideration the maximum contribution limits set by your plan document.

CUNA Mutual Retirement Solutions is a division of CUNA Mutual Group and the marketing name for CPI Qualified Plan Consultants, Inc., a CUNA Mutual Group member company. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuity insurance products are issued by CMFG Life Insurance Company, located in Madison, Wisconsin. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues.

Securities distributed by CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 866.512.6109. Non-deposit investment and insurance products are not federally insured, involve investment risk, may lose value, and are not obligations of or guaranteed by the financial institution. Representatives offer retirement and investment education but do not provide investment, legal or tax advice. Participants are encouraged to consult their own advisors.

Roth

How do I read my savings illustration?

800.279.4015, Ext. 847.3206

Automatic Enrollment and Your Retirement Plan

Studies suggest that automatic enrollment can increase employee participation rates and reduce the gap in retirement savings. It’s being implemented in your plan to encourage successful outcomes for employees like you.

Automatic enrollment is here to make it easy. • Start accumulating savings right from the beginning

• Take the worry and guess work out of selecting investments

• Enjoy tax advantages that come with tax-deferred contributions

How does automatic enrollment work?With automatic enrollment, you’ll be set up as a participant in your retirement plan unless you choose to opt out of this benefit. A set contribution amount will be directed into your retirement plan. It will be deducted from your paycheck and noted in your payroll records. Your contributions will be deposited into a predetermined default investment selected by your employer or plan advisor, intended to help minimize the risk of large losses and provide long-term growth potential. If you are not satisfied with the default investment selected by your employer or plan advisor, you have the option to choose a different investment selection.

What if I don’t want to be enrolled automatically?If you do not turn in an enrollment form to decline to contribute, you will be automatically enrolled in your plan. The automatic enrollment feature will not change your contribution level if you’re already enrolled in your plan.

If you do not want to contribute to the plan, you will need to elect 0% contributions by turning in an enrollment form to your HR representative before your next payroll deadline.

Source. United States Department of Labor, www.dol.gov

The U.S. Department of Labor reports that approximately 30% of eligible workers do not participate in their employer-sponsored retirement plan.

M Y R E T I R E M E N T F U T U R E . C O M

Continued on backEMPLOYEE SOLUTIONS

Auto Enrollment

CMRS-1041107.2-0317-0419 © CUNA Mutual Retirement Solutions, 2017 All rights reserved.

800.279.4015, Ext. 847.3206

M Y R E T I R E M E N T F U T U R E . C O M

Online Enrollment Overview

Your online enrollment can be as easy as accessing the website.

To begin log in to your website at www.myretirementfuture.com and set up your user name and password. Once you’ve completed that step and your personal information is verified, you’re ready to go.

Get Started• Go to www.myretirementfuture.com. Enter your social security number,

date of birth and plan reference number. You’ll be asked to click on the name of the plan that you would like to access.

• Establish your user name and password.

• Follow the website prompts. For security reasons, your social security number is not allowed. You’ll be given the option to provide a security question and answer, along with your personal email address, in case you forget your login information at a later date.

• Review your contact information.

• You’ll be asked to review and update your home and email addresses. After you finish the preliminary screens, click ‘Enroll Now’ to begin the enrollment process.

Be Active with Your PlanMake the most of your retirement plan. It’s there for your future. Visit www.myretirementfuture.com and check your plan a couple times a year.

• Review and update your salary and financial information in the Investment Guidance tool

• View fund information

• Perform fund transfers

• Change investment elections

Keep your user name and password in a safe location — you’ll need it each time you log into your account.

Complete your enrollment in six easy steps.

1. Review Your Eligibility screen and confirm you meet the requirements for entry into your retirement plan.

2. Choose to use MasteryPoints’ retirement planning tools available to you during your enrollment — or at your convenience.

3. Determine your salary deferral election — enter a deferral percentage or a specific amount. The allowable range for your plan is shown to the left.

4. Keeping in mind your investment elections must total 100%, enter a percentage next to each fund option you would like to invest in.

5. Designate your beneficiary*, generally your spouse/partner. It is legally required for you to indicate your marital status.

6. Review your elections. If you want to make changes, you may select any screen from the menu on the left. Confirm your enrollment success by clicking the Enroll Me button to complete the process. You can also click Quit to finish later.

When you confirm your enrollment, you’ll be taken to a printable confirmation screen that shows your elections. For security reasons, please remember to log out of the system when you’re finished.

Online Enrollment