ADP Retirement Services

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• Review your account• Determine the asset allocation that is

right for you• Asset allocation the easy way• Rebalance your account• Track your progress

your accountreview

Quarterly account statement

Determine an asset allocation that is right for you

Fund AFund B

Fu

nd

D Fund

E

Fund

C

Asset allocation

Savings Goal

Time Horizon

Risk balance

Balancing risk with reward

MONY MARKET/STABLE VALUE

MONY MARKET/STABLE VALUEFund A

B O N D S S T O C K S

B O N D S S T O C K S

Asset Allocation

DiversificationFund A Fund B Fund A Fund B Fund C

Diversification does not ensure a profit or prevent a loss.

an asset allocation that is right

for you

determine

Conservative

Moderately Conservative

I am a Moderate Investor.

Moderately Aggressive

Aggressive

Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.

Sample asset allocation models

75% Income 18% Growth 7% Aggressive Growth

60% Income 29% Growth 11% Aggressive Growth

40% Income 43% Growth 17% Aggressive Growth

5% Income 68% Growth 27% Aggressive Growth

Conservative ModerateConservative

Moderate Aggressive

allocation the easy way

asset

Target retirement date funds

• Choose by your retirement date• Allocation changes over time • No rebalancing required

Sample target retirement date fund allocations2020 Fund 2030 Fund 2040 Fund 2050 Fund

Income

Growth,Aggressivegrowth

30% Income 70% Growth & Aggressive growth

20% Income 80% Growth & Aggressive growth

15% Income 85% Growth & Aggressive growth

10% Income 90% Growth & Aggressive growth

Sample asset allocation models are for illustrative purposes only. They are not intended to be, nor construed as, investment advice.

Build your own investment mix

your accountrebalance

Changes in the stock market can have a big effect on your asset allocation

© 2010 Morningstar. All Rights Reserved. 3/1/2010. Past performance is no guarantee of future results. Stocks: 50% large and 50% small stocks. Bonds: intermediate-term government bonds. This is for illustrative purposes only and not indicative of any investment. An investment cannot be made directly in an index. Small stocks are represented by the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio. Large stocks are represented by the Standard & Poor’s 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general, intermediate-term government bonds by the five-year U.S. government bond. An investment cannot be made directly in an index. The data assumes reinvestment of income and does not account for taxes or transaction costs.

50% Stocks

2004199919941989

50% Bonds

2009

53% Stocks

47% Bonds

70% Stocks

30% Bonds

69% Stocks

31% Bonds

63% Stocks

37% Bonds

Personal Investor Profile source =Sample Allocation

20

Income

Growth

40%

43%

17%AggressiveGrowth

ACCOUNT INVESTMENT ALLOCATION TYPE

$1,600 40% Income

$1,800 45% Growth

$600 15% Aggressive Growth

$4,000 Total

Personal Investor Profile source =Sample Allocation

20

Income

Growth

40%

43%

17%AggressiveGrowth

• Compare your account statement allocation to your suggested sample portfolio

• Decide how to move your account balances based on your suggested sample portfolio allocation

• Review fund prospectuses and other investment information before making changes

• Go to mykplan.com or call the VRS to make changes to your account

Four easy steps

Automatic Account Rebalancing

Rebalances your account as you choose:

• Quarterly

• Semi-annually

• Annually

your progresstrack

trackYour progress

Account statement

www.mykplan.com

• Automatic Account Rebalancing

• Save Smart®

Voice-Response System

ADP, Inc. and its affiliates do not offer investment, tax or legal advice and nothing contained in this communication is intended to be, nor should be construed as, investment advice or a recommendation for a particular investment option. Questions about how laws, regulations and guidance apply to a specific plan should be directed to your plan administrator or legal, tax or financial advisor.

Investments in mutual funds and commingled funds (also known as collective trusts) involve risk. Some investment products have more risk than others.  For complete information about a particular fund or to obtain a fund prospectus (or information statement, in the case of commingled funds), go to www.mykplan.com. You should carefully consider an investment option’s objectives, risks, charges and expenses before investing. The prospectus (or information statement, as applicable) contains this and other important information about the investment option and investment company. Please read the prospectus/information statement carefully before you invest.