HOW TO USE THE WEBSITE Online anytime. Your plan's website is available to you virtually 24/7. Not only can you view and make changes to your account, the site also provides you with reminders. action items. and decision-making tools. ibenefitcenter Returning Welcome to your plan's website Users Log I" to 'fOU~ CICis.llng llCCOunt. I, New Users Register yo •.••.i!CCOunt now. @ Help for New Users Helpful hints tor OK:ccss.ing your K(ounl Recommended browsers Dchvcrt."<l by HERCER You will need your user name and password each time you enter the site. The first time you log on to www.ibenefitcenter.com. you will need to set up a user name and password to protect the security of your account online. Simply click on "Get Started" and follow the prompts to register your account. Once you've created a user name and password, you can use them to access your account anytime. During the registration process, you will also be asked to provide answers to three security questions. This will allow you to retrieve your login information if you forget it in the future. ( For detailed fund performance information. visit www.ibenefltcenter.com l statement or about your retirement plan, call Mercer at 1-871-864-6644. . If you have questions about your ,. ibenefitcenter homepage Once you've logged in, you'll find yourself on the retirement planning homepage. ibcnefitcenter _1 -- - _. - ----- •.... ~_~~ ..•• ::. __ ._ •...........-....,_ ••••• ••••_ -+ how much you may have 18"', ,)~~ -'---...,..._ do I have?" box. In _ -- ..... on the name of the plan. ....., . "."" ---_ ..- Set up an investment __ •••••• ._~ ._~ -- . ., • ".... "- in retirement. .., ' You'li find plan-specific news •••• Q •• right on the home page. r,,~~=."~ ..~::,.':._~~~"" . w •• 1th .... your account by clicking or ."::::... _-- balance in the "What - ...•- II --.,._.- _ .. ~' /lij----- addition, you can access Click here to find out how much you may need - and -.... View your current plan ::':,.:': __ _._ .....•~ao.,.. •.• - twMlr-oo,.. Learn what steps you may 0- -_._-- -...... -- - ____ IOa •• need to take with regard to your plan account following a life event. such as marriage. "' ....e_ ... divorce, or the birth of a child. watch list in the "Wealth Resources section. H Access financial planning tools and articles in the "Resource Center. N Account overview page Most plan forms are available for downloading and printing in the "Forms" section. Don't forget to log out I ,bcnditcenter - ! -I -e-.or D.-_ _ - -- ---., ea- •..~- •..••••.-.. •. when you're done! liomo-: LOCAL UNION Click on these tabs c.....•.......• to view contribution activity and your current investment allocation, ___ I 'a.lJOl .•••• I _ 123 RETIREMENT PLAN 0:::" •.•• '-W~onl •••••••••.••.• •• ", •• ~... 1 c__ I ••• _ •• -.., 'II """,I •• ,.._ PI,," OvervlCYII "'AQ~ _~_1_ ~~I __ r~' •• CI'uI<_u.,-, 10,00 ~_06 ••__ to initiate a withdrawal, _ .••. no' arto begin a transaction. <w•• .,u ••••••.•••• _ '•••••• ment> _ ..•.•..•.•...•......•...__.. .... ...-Olwto .•••.tic ltMl.l.roc/no ._ ...•••8.••.•. -'8 .• I,,. ,••• p ••••. .o-vor •••.•.__ _ ---_ .... _-_..• _~.. ...•... - The "Plan Overview" page gives you an at-a-glance look at your current balance, how much of your balance isyours to keep (your vested balance), and your year-to-date employer contributions. ._-'-. 'Ilo --- --- 1,.• ---- •• - The "Quick Links" box makes it even easier for you to access key plan information. J Before investing, carefully consider the investment options' or funds' investment objectives, risks, charges, and expenses, Call '-877-864-6644 for an offering statement prospectus containing this and other information, or prospectus Read them carefully, and, if available, a summary M274607 3/14