With all that you have to do every day and the need to focus, retirement savings might

not make your daily priority list. That’s ok. With the Plan’s Automatic Increase feature, busy

people like you can easily and automatically build retirement savings little by little over time.

MAXIMIZE THE AUTOMATIC INCREASE FEATURE

keep your account growing

Contributions to your Plan account Contributions are deducted from your paycheck before you even see that money, so you don’t have to think about it. How much you contribute is up to you. The Internal Revenue Service (IRS) allows you to save up to $18,000 this year, or $24,000 if you will be age 50 or older by the end of the year. You can reach the limit by saving on a pre-tax basis, or on an after-tax Roth basis, or a combination of both. If you’re not contributing near the maximum amount, consider increasing your contribution rate.

Small increases – automatically The Plan’s Automatic Increase feature allows you to automatically bump up your savings rate a little more each year. Choose separately to add 1% or more pre-tax, after-tax Roth, or both. Your contribution amount will continue to increase each year by the amount you elect until you reach the Plan’s maximum allowable increase amount. If you change your mind before that, no problem! You can make adjustments or stop using this feature at any time.

The $500 difference Increasing contributions by $500 per year may seem like a lot, but it’s really less than $10 per week. For example, a contribution of $17,500 each year to the Plan that earns and reinvests at a steady 7% rate of return could potentially be worth $764,116 in 20 years. Adding less than $10 more to that contribution rate—$18,000 per year instead—could potentially be worth $785,948 in the same amount of time. That’s a difference of $21,832!*

take action!Increase your contribution rate today and take full advantage of your employer match.

ONE-ON-ONE SUPPORT 800.294.3575

888.440.0022 (for assistance in Spanish)Representatives are available between 8 a.m. and 10 p.m. Eastern time on New York Stock Exchange business days (10 a.m. and 8 p.m. for assistance in Spanish). For your protection, all calls to a representative are recorded.

ONLINEmylife.newyorklife.com

Take a look at your budget and decide how much of an increase you’d be comfortable with, and elect automatic increases for your contribution rate today.

*The hypothetical example above is based on a mathematical principle and represents no particularinvestment. It is used for illustrative purposes only and assumes monthly compounding and beginning-of-period payments. It does not reflect the deduction of taxes or transaction costs. There are risks associated with investing, including but not limited to, loss of principal.

New York Life Retirement Plan Services 690 Canton Street, Westwood, MA 02090

New York Life Retirement Plan Services is a division of New York Life Investment Management LLC, a subsidiary of New York Life Insurance Company, New York, New York. SMRU #1641668 3973 2/2015

Take control of your retirement savings goals Here’s a simple, quick, and easy way to keep your account growing:

Step 1: Log on to your plan account and go to My Contributions

Step 2: Choose the “Change” button from the “View/Change Contribution Rate” section

Step 3: Enter your automatic increase amount for pre-tax and/or Roth contributions

Step 4: Follow the prompts on screen to “Review and Submit” and then “Confirm”

Learn more before you decide Select the link to “Learn more about the Automatic Increase program.” The new window will provide you with a graph and information that shows different increase percentages and the effect of each on your account over time.