© 2009 American Funds Distributors, Inc.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.

© American Funds Distributors, Inc. AI-40412

Investing for life seriesSM

Where are you going?

• Roll

• Move

• Stay

• Pay

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Choose your path

• Potential investment flexibility

• Continued tax-advantaged savings

• Consolidation of retirement savings

© American Funds Distributors, Inc.

Roll

• Opportunity to consolidate your retirement savings in one place

• Continued tax-deferred savings

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Move

• Continued tax-deferred savings

• Can stay with same investments

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Stay

• The $5,000 rule

• Automatic rollover

• Cashout

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Stay

© American Funds Distributors, Inc.

Pay

$0

$5,000

$10,000

$15,000

$20,000$20,000

All taxes are based on a $20,000 lump-sum cash withdrawal for an investor under age 59½ in the 25% tax bracket. Retirement plan distributions are subject to ordinary income tax, and, if applicable, to an additional 10% federal tax penalty on early withdrawals. Many states will charge additional taxes and possible penalties, reducing your bottom line even further.

• The high cost of cashing out

• Starting with a $20,000 account balance

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Pay• Minus 20% federal withholding

$0

$5,000

$10,000

$15,000

$20,000$20,000

All taxes are based on a $20,000 lump-sum cash withdrawal for an investor under age 59½ in the 25% tax bracket. Retirement plan distributions are subject to ordinary income tax, and, if applicable, to an additional 10% federal tax penalty on early withdrawals. Many states will charge additional taxes and possible penalties, reducing your bottom line even further.

$16,000

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Pay• Minus another 5% if you’re in the 25%

tax bracket

$0

$5,000

$10,000

$15,000

$20,000

All taxes are based on a $20,000 lump-sum cash withdrawal for an investor under age 59½ in the 25% tax bracket. Retirement plan distributions are subject to ordinary income tax, and, if applicable, to an additional 10% federal tax penalty on early withdrawals. Many states will charge additional taxes and possible penalties, reducing your bottom line even further.

$20,000

$16,000$15,000

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Pay• Minus 10% for an early withdrawal

penalty if you’re under age 59½

$13,000

All taxes are based on a $20,000 lump-sum cash withdrawal for an investor under age 59½ in the 25% tax bracket. Retirement plan distributions are subject to ordinary income tax, and, if applicable, to an additional 10% federal tax penalty on early withdrawals. Many states will charge additional taxes and possible penalties, reducing your bottom line even further.

$0

$5,000

$10,000

$15,000

$20,000

$15,000$16,000

$20,000

$13,000

$136,970

This illustration is not intended to portray results of a particular investment. Your investment experience will differ. © American Funds Distributors, Inc.

© American Funds Distributors, Inc.

Spend it or save it Web tool

AmericanFundsRetirement.com

Benefit Roll Move Stay Pay

Continued tax-advantaged savings

Consolidation of yourretirement savings

Potential investment flexibility

© American Funds Distributors, Inc.

Make the best choice for you

Thank you

© American Funds Distributors, Inc.

This material was not intended or written to be used by any taxpayer for the purpose of avoiding penalties that may be imposed by the U.S. federal tax laws. Please consult your tax adviser about your particular financial and tax situation.

You should carefully consider the objectives, risks, charges and expenses of the American Funds and, if applicable, any other investments in your plan or IRA. This and other important information is contained in the funds’ prospectuses and summary prospectuses, which are available from your plan’s financial professional and on the Web. Please read the prospectuses carefully before investing.© American Funds Distributors, Inc.