ࡱ> 9;:#` bjbj\.\. **>D>DNNNN  | ;======$8ha  aNN v4N8  ;;:, xf. 3( 0..[(..0 Y^L aa0 D  NNNNNN Sample Directorsm 401(k) Announcement {Plan sponsor to draft on company letterhead and distribute to employees} Dear Employee: Everyone can envision where he or she will be and what they will be doing when they retire. Because we value your career contribution to the success of {insert company name}, we believe its important to help you achieve those retirement goals. Thats why Im excited to announce that {insert company name} is now offering you a 401(k) retirement savings vehicle from Lincoln Financial Group called Director. A 401(k) plan is perhaps one of the best available retirement savings options. To help you achieve your retirement goals more quickly, {insert company name} will match ____% of the money you contribute to the plan, up to a maximum of ____% of your base annual salary. Reaching Your Retirement Goals with a 401(k) Youll soon be receiving enrollment materials that explain the Lincoln Director retirement product in greater detail, but presented below are the highlights of this terrific new benefit: Convenience Your contribution is automatically deducted from your salary at each pay period, making it a convenient way to set aside money for retirement. Employer match To get your retirement savings plan off to a good start, {insert company name} matches ____% of the money you contribute to the plan (up to ____%). Two great tax advantages You only pay income tax when you withdraw money. Your contributions are made on a pre-tax basis, meaning you immediately reduce the salary you pay taxes on. Additionally, any gains your investment achieves are tax-deferred. This can lead to a significant accumulation of retirement funds. Access to Your Money Your 401(k) account will perform better if kept invested; however, if you need to access your money for emergencies, you may be able to take a loan (ask us about qualifications) and pay yourself back with interest.* Professional money management and a wide array of investment choices The Director, a group variable annuity, gives you a wide variety of brand name investment choices with a range of risk and return characteristics. Once you decide what asset allocation works best, your money will begin to work for you. Great service Our 401(k) service provider offers daily performance reporting and transactions anytime you need them via an interactive website. They also provide easy-to-read statements and helpful education materials. The strength of Lincoln Financial today Lincoln Financial is one of the largest financial services companies in the country. We believe our continued commitment to strength and stability is indispensable to who we are and critical to your confidence in us. We are a proven industry leader in identifying and delivering sophisticated financial strategies and product solutions for the creation, protection, and enjoyment of capital. We are committed to assist companies in helping their employees and their families redefine their retirement because we dont believe retirement is an end its an opportunity for everyone to start doing what they were meant for all along. Start Saving for your Retirement Now Like any savings plan, the sooner you start contributing to your 401(k) the better off youll be. The compounding that takes place over time can have a significant impact. Even a small contribution can make a big difference in your retirement lifestyle. You work hard for {insert company name}. We want to make sure you have the retirement you deserve. Take some time to review your enrollment kit when you receive it. Im sure youll share my enthusiasm for this great new 401(k) plan. Sincerely, {Plan Sponsor Signature} *Withdrawals are subject to a 10% IRS penalty tax if you receive them before you reach age 59. Lincoln DirectorSM group variable annuity is a contract issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, on policy form #19476 (and variations thereof) and is offered by broker/dealers who have selling agreements. The Lincoln National Life Insurance Company is not authorized, and does not solicit business in the State of New York. For residents of New York, Lincoln DirectorSM group variable annuity contract is issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, on policy form #19476NY-A 7/04 and is offered by broker/dealers who have selling agreements. The Lincoln National Life Insurance Company and Lincoln Life & Annuity Company of New York are independently responsible for their own contractual and financial obligations. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. The sample notice above is provided to assist plan sponsors in preparing an announcement to their employees. The notice is regarding the introduction of a new 401(k) retirement plan from Lincoln Financial Group. The plans legal documents control the plan provisions and should be carefully matched with this notice. This notice is not intended to serve as a summary plan description. This sample should not be construed as legal advice regarding the establishment or implementation of a tax-qualified retirement program. Plan sponsors are encouraged to consult their financial advisors regarding this information as it relates to their company. 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