This Guide Includes:

> How 401k Plans Work

> Fundamentals of Investing

> Investor Profile Questionnaire

> 401k FAQs

> Elective Deferral Agreement 401(k)

> Beneficiary Designation Form

> Account Access Guide

Enrollment
Guide
 Steps to opening your
Enrollment 401k account
Guide
This enrollment guide contains all the forms and instructions for
enrolling in your 401(k) plan. Just complete the appropriate
forms and return them to your employer. To open your
account, follow these easy steps:

Step 1 Read the materials in your 401(k) kit carefully.

Be sure to pay special attention to the Summary Plan

Description. This material describes the criteria for eligibility
and your employer's contribution formula for the plan year.

Step 2 Complete the Elective Deferral Agreement and Beneficiary

Designation Forms.

Fill out all the information requested then sign and date
both forms. Be sure to indicate the percentage of your
wages/salary you want to withhold each pay period.

Step 3 Return your completed forms to your employer.

Your employer will forward these materials to your

company’s retirement plan services provider.

Step 4 Access your 401(k) Account.

To access your 401(k) account using the Internet, go to your

company’s 401k website. Enter your Social Security number
and initial password (also your Social Security Number).
Once you’ve logged in you will be able to change your
password, manage your 401(k) account and learn more
about your 401(k) plan features to help you meet your
specific retirement goals and investment objectives.

If you don’t have Internet access, contact your employer’s

plan representative for assistance in obtaining information
about your plan account.
 How a 401k
Enrollment
plan works
Guide
A retirement plan is one of the most important benefits your
company can offer.

A 401(k) is an employer sponsored plan that allows you to

contribute pre-tax dollars to build up tax-deferred
retirement income. Contributions and earnings are not
taxed until you receive distributions, usually at retirement.

If you decide to participate, you'll have an individually held

account in your name that represents a combination of
your regular pretax savings contributions and any
contributions from your employer.

Whatever your age, it's crucial to organize your plans for

retirement now and to put them into action without delay.

Consider this:

Just to maintain your same standard of living during

retirement, you'll need as much as 80% of your final annual
income for every year you're retired.

And, to be on the safe side when you plan, it would be wise

to count less on Social Security and other government
support and rely more on your own efforts for financial
security in retirement.
 Convenient salary deferral contributions give you
systematic savings plan and immediate tax break
allowing you to keep more of what you earn.
Enrollment
Guide Salary deferrals are your opportunity to save for
retirement now and pay taxes later- when you withdraw
your money. This deferred tax break is the government's
way of encouraging you to save as much as you can
today, so that you benefit over the long term.

As the example below shows, because your

contributions are made on a pretax basis, the impact
on your take-home pay is minimal.

As you can see, you spend $43.20 and save

$60.00!

To see how a $60 weekly contribution would add up

over the years, consider the following: In just 20 years,
savings in a tax-deferred 401(k) plan will outpace a
taxable savings account by 30%! As you can see, the
funds in your 401(k) account would total $153,930
compared to over $110,830 in the taxable account. *

* This example assumes a hypothetical 8% annual return before inflation with all
capital gains and dividends reinvested. It also assumes a 28% tax rate on savings.
 Fundamentals of
Enrollment Investing
Guide

When building an investment plan, it's important to have

some guidelines to keep you on track with long-term
investing. To help you with this we have outlined four
ground rules for long-term investing:

Know your Investment Style.

Know your feelings and tolerance for risk. Make

sure you choose investments that you're
comfortable with and appropriate for your
retirement savings goals.

Develop a Diversified Portfolio.

Choose an appropriate asset allocation model

when deciding your investments. Be sure to
diversify, both among asset classes (stocks, bonds,
and cash equivalents), and within each class.
Doing so can spread risk over a variety of
investments and may provide more consistent and
reliable outcomes.
 Stay on Track.
Enrollment
Review your portfolio whenever personal
Guide circumstances change or at least once a year.
You'll need to evaluate the performance of your
investments against relevant benchmarks and,
when necessary, rebalance your portfolio to stay
on track with your retirement savings plan.

Take a long-term view.

Maintain the discipline to hold onto or add to

appropriate investments through down markets as
well as up markets.

If you're a new investor, it pays to gather as much

information as you can. Read up on investing and
money management techniques. Make a periodic
review. Even if you're an experienced investor, it's
important to review and possibly adjust your plan
periodically to make sure it's still appropriate. You'll want
to review these areas on at least an annual basis:

Investment results
Life changes, such as employment status,
housing or health
Your financial situation
Your objectives & portfolio allocation
 1. Approximate number of years until you plan on retiring?

Investor Profile 5 20+ years or more

4 15 – 20
Questionnaire 3 10 – 15
2 5 – 10
1 1– 5
To help you gauge your
investment style, simply 2. When I start withdrawing money, I plan to spend it in:
circle the number that
best describes your 5 20+ years or more
4 15 – 20
response to the questions 3 10 – 15
on the right. 2 5 – 10
1 0– 5
Your total score will
indicate that you meet a 3. My understanding and knowledge of investments is:
general investor profile.
Based on this information, 1 None
2 Limited
you may want to consider
3 Good
meeting your goals with 4 Extensive
the suggested asset
allocation mix. 4. I am willing to increase my chances for higher returns by accepting a greater degree
of risk.

1 Strongly Agree
2 Agree
3 Neutral
4 Disagree
5 Strongly Disagree

5. I am willing to accept sharp declines and increases in my investments in order to seek

a potentially higher return than would normally be expected form more conservative
investments.

1 Strongly Agree
2 Agree
3 Neutral
4 Disagree
5 Strongly Disagree

6. I need complete safety in my investments all the time.

1 Strongly Agree
2 Agree
3 Neutral
4 Disagree
5 Strongly Disagree

7. I worry about my retirement investment account a great deal.

1 Strongly Agree
2 Agree
3 Neutral
4 Disagree
5 Strongly Disagree

8. Which combination of the investments you currently own or have owned in the past:

1 Money Market/Cash
2 Cash/Bonds/Bond Funds
3 Cash/Stocks/Stock Funds
Add up your responses to get 4 Cash/Bonds/Stocks
your total score. Apply your 5 All of the Above
score to the profile results on
the following page. ________ Total Score
Score 8

Conservative Profile

Score 9-15

Moderate
Conservative Profile

Score 16-24

Moderate Profile

Score 25-31

Moderate Aggressive
Profile

Score 32-39

Aggressive Profile
 Questions
&
Enrollment Answers
Guide What is a 401(k) plan?

A 401(k) plan is a salary reduction retirement plan. Once an

This section contains employer adopts a 401 (k) plan, eligible employees may
answers to some questions choose to make contributions as well as possibly receive
you may have about your contributions made by the employer on their behalf.
401(k) plan. We suggest
you also consult your HR
manager if you have When am I eligible to participate in my employer's 401(k)
additional questions plan?
regarding your company’s
retirement plan. You may participate as soon as you meet the eligibility and
entry requirements your employer established at the time
the 401(k) plan was adopted.

How much may I contribute to my 401(k) plan each year?

Employee Annual Contribution Limit

2018: $18,500

Additional "catch-up" contributions for workers 50+

2018: $6,000

The employer matching schedule: Vesting Schedule

Employee Employer: Conclusion of 6 months:

1% 1% - 50%
2% 2%
3% 3% Conclusion of 1 year:
4% 4% -100%
5% 5%
6% 5.5%

When are contributions deposited into my 401(k) plan?

Your employer must deposit contributions you make, which

are deducted from your paycheck as soon as
administratively feasible but, in no event, more than 15
business days after the end of the month in which the
amount was deducted. If your employer contributes to the
plan on your behalf, the contributions can be made
anytime up to their company's income tax filing date,
including extensions.
 Do I pay taxes on 401(k) plan contributions?
Enrollment
401(k) plan contributions and any earnings on your
Guide contributions are not subject to income taxes until you
withdraw the funds. However, contributions are subject to
Social Security and Medicare (Federal Insurance
Contribution Act, or FICA) and unemployment insurance
(Federal Unemployment Tax Act, or FUTA) taxes.
Participation in a 401(k) plan does not reduce your Social
Security benefits.

May I make changes to my contribution amount during the

year?

You may stop your salary deferral for 401(k) plan

contributions anytime with advance notice. However, your
employer has the right to establish a policy as to whether
employees may change the amount during the year, or
whether an employee who has ceased contributing may
resume making salary deferral contributions again in the
same year.

How often will I receive information about my 401(k) plan?

You'll automatically receive statements at least quarterly.

Also, each year you'll receive an IRS Form W-2 that shows
your taxable income as reduced by your contributions. In
addition, you can access your account online day or night
and print a statement on demand for any period you
select.

May I withdraw money from my 401(k) plan?

Your 401(k) plan contributions are meant for retirement.

However, the plan may allow hardship distributions. Certain
funds in your 401(k) plan may be made available to you for
the following:
• Unreimbursed medical expenses
• Purchase of primary residence
• Preventing foreclosure or eviction
• Post-secondary education expenses

Federal and state penalties may apply if you are under age
59½.
 Elective Deferral Agreement

Section 1 Your Company’s Name

mcdonalds

Section 2 Your Name

First Name Last Name

mohammed alshuaibi
Social Security Number Employee ID (if applicable)

5555555555 559841

Section 3 Terms of Agreement

Limits on Elective If you are eligible, according to the requirements of your employer’s 401(k) plan, to
Deferrals enroll as a contributing participant, you may set aside a percentage or fixed amount of
your pay into the plan (“elective deferrals”) by signing this Elective Deferral Agreement.
This Elective Deferral Agreement replaces any earlier agreement and will remain in effect
as long as you remain an eligible employee or until you provide your employer with a
new Elective Deferral Agreement as permitted by the plan. Your elective deferrals may
not exceed $13,000 in the 2004 calendar year.

You may change the percentage of pay you are setting aside into the plan. If you wish to
Changing this
make such a change, you must complete and sign a new Elective Deferral Agreement and
Agreement
give it to your employer. The change will take effect during the enrollment period(s) your
employer has specified on the Summary Plan Description Form.

You may terminate this Elective Deferral Agreement anytime. The change will occur as
Terminating this soon as administratively feasible. After terminating this Agreement, you cannot enroll as
Agreement a contributing participant until the first of the following month or during the enrollment
period(s) your employer has specified on the Summary Plan Description Form.

Section 4 Elective Deferral Agreement

564
I, the undersigned employee, wish to set aside ________ % or a fixed amount of
Authorization 48
$__________ of my compensation as elective deferrals into my company’s 401(k) Plan by
way of payroll deduction.

I agree that my pay will be reduced in the manner I have indicated above and I
acknowledge that I am responsible for directing the investments of these elective deferral
contributions within the 401(k) Plan investment options. This Elective Deferral Agreement
will continue to be in effect while I am employed, unless I change or terminate it as
explained in Section 3 above. I acknowledge that I have read and understand this entire
agreement and I accept its terms. Furthermore, I acknowledge I have received a copy of
the Summary Plan Description. In addition, in the event that an erroneous contribution or
excess contribution is made to my account, I authorize my employer to make necessary
corrections to ensure elective deferrals made to my account are in accord with my
instructions. In the event that such a correction is made, I will be informed of any
corrections made to my account by my employer.
Effective Date
This Agreement will be effective for the pay period that begins _________________.

Signature mohammed may 5 2022

Signature Date
 Beneficiary Designation Form

Section 1 General Information

The participant must enter his/her complete name, Social

Security number, and date of birth. If the participant is
married, his/her spouse’s name, Social Security number,
and date of birth must also be completed.

Section 2 Beneficiary Designation

The participant must enter the name of the beneficiary,

the relationship of the beneficiary to the participant, the
beneficiary’s Social Security number, date of birth,
contact information and percentage of the benefit they
are to receive.

Section 3 Contingent Beneficiary (ies)

The participant should designate a contingent beneficiary

(ies) in the event that the beneficiary predeceases the
participant.

The participant must enter the name of the contingent

beneficiary(ies), the relationship of the contingent
beneficiary(ies) to the participant, the contingent
beneficiary’s(ies’) Social Security number(s), date(s) of
birth, contact information and percentage(s) of the
benefit they are to receive.

Section 4 Execution

The participant must check the box that describes his/her

election, sign and date the form.

Section 5 Spousal Waiver

If the participant is married and has elected someone

other than his/her spouse as beneficiary, then the
participant must obtain the signature of his/her spouse
before a notary public or the plan administrator.
 Beneficiary Designation Form

1. General Information
Company Name: mcdonalds
Participant’s Name: mohammed

Social Security #: 555555555 Date of Birth: feb 15 2007

Spouse’s Name:

Social Security #: Date of Birth:

2. Primary Beneficiary(ies): I designate the following person(s) below as my primary

beneficiary(ies) to receive payment of the value of my 401(k) account upon my death.
mohammed
Name:

Social Security #:
5555555 Relationship:

Address:
8932 golden oak ct
City,State,Zip:
hickory hills ill 60457
Phone Number: 7084659557 %Share: 65

Name:

Social Security #: Relationship:

Address:

City,State,Zip:

Phone Number: %Share:

If you designate more than one beneficiary, the percentage allocations must add up to 100%

3. Contingent Beneficiary(ies): If no primary beneficiary(ies) survives me, I designate that the

balance of my 401(k) account be distributed to my contingent beneficiary(ies) below.
Name: mohammed
Social Security #:
5555555 Relationship:

Address:
8932 golden oak ct
City,State,Zip:
hickory hills ill 60457
Phone Number:
7084659557 %Share:
5

Name:

Social Security #: Relationship:

Address:

City,State,Zip:

Phone Number: %Share:

If you designate more than one beneficiary, the percentage allocations must add up to 100%
4. Execution

I hereby attest that:

[ ] My spouse is my designated beneficiary.

[ ] My spouse’s consent to my designation appears below.
[ ] I am not legally married.

I understand that if no beneficiary survives me or if my beneficiary(ies) cannot be located, the

plan will distribute the benefits to my estate. I understand that if I fail to indicate share
percentages, all benefits will be divided equally among the beneficiaries I designate.

mohammed
Signature Date

5. Spousal Waiver

I hereby consent to the above beneficiary designation.

Spouse’s signature Date

Witness of Notary

Subscribed and Sworn to me this _______ day of ________________, 20____.

My Commission Expires ___________________________________________

OR: Witness by Plan Administrator

Witness signature Date

 401(k) Portfolio Selection

Your Company’s Name

united heavy haul

Your Name

First Name Last Name

mohammed alshuaibi

Social Security Number Employee ID (if applicable)

55555555 98578132

Make Your Investment Election

Refer to page 3 of the document below for information on the 5 portfolios you have to choose from. Your
contributions, as well as the matching provided by your company, will be invested 100% in the portfolio of your
choosing.

Morningstar Portfolio Options

Put an x in the portfolio you are selecting for investment.

Morningstar ® Managed Plan Solutions: Aggressive Growth Strategy

Morningstar ® Managed Plan Solutions: Growth Strategy

Morningstar ® Managed Plan Solutions: Moderate Growth Strategy

✔ Morningstar ® Managed Plan Solutions: Income & Growth Strategy

Morningstar ® Managed Plan Solutions: Conservative Strategy

Confirm Your Selection

I agree that the selection above represents my choice of investment portfolio for my 401(k) contributions as
well as the matching 401(k) contributions made by my employer. I understand that Morningstar and my
employer cannot guarantee positive returns on these investments. I understand that I have the option to revise
my investment strategy at a later period but that it will, unless otherwise notified, remain in the portfolio noted
above.

mohammed 552022
________________________________________________________ ________________________
Signature Date