ROTH IRA DISCLOSURE STATEMENT

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2 a married couple has combined MAGI above the Threshold Level, the amount of the Roth IRA contribution is phased out and eventually eliminated. If the Participant s MAGI for a taxable year is in the phase-out range, the maximum regular contribution determined under this table for that taxable year is rounded down to the next multiple of \$10 and is not reduced below \$200. (As of 2012) Filing Status Full Contribution (Threshold Level) MAGI Phase-Out Range No Contribution For both formulas, round the result down to the next lowest \$10 level (the next lowest number which ends in zero). For example, if the result is \$2,524, round it down to \$2,520. If the final result is below \$200 but above zero, the contribution limit is \$200. The contribution limit cannot, in any event, exceed 100% of compensation. Example 1: Ms. Smith, a single person, has a MAGI of \$121,619. She calculates her Roth IRA contribution as follows: Her MAGI is \$121,619 Her Threshold Level is \$110,000 Her Excess MAGI is (MAGI - Threshold Level) or (\$121,619 - \$110,000) = \$11,619 Single or Head o Household Less than \$110,000 At least \$110,000 but less than \$125,000 \$125,000 or more So, her Roth IRA contribution limit for the year is \$1,120: \$15,000 - \$11,619 \$15,000 X \$5,000 = \$1,120 So, \$ of her \$5,000 contribution will be deductible in Joint Return or Qualifying Widow(er) Less than \$173,000 At least \$173,000 but less than \$183,000 \$183,000 or more Example 2: Mr. and Mrs. Young file a joint tax return. Each spouse earns more than \$5,000. They have a combined MAGI of \$178,255. They may each contribute to a Roth IRA and will calculate their contributions to each Roth IRA as follows: Married - Separate Return \$0 Between \$0 and or more Their MAGI is \$178,255 Their Threshold Level is \$173,000 Their Excess MAGI is (MAGI - Threshold Level) or (\$178,255 - \$173,000) = \$5,255 As reflected in the chart above, an unmarried individual is eligible to make the full Roth IRA contribution until his MAGI reaches \$110,000 (his Threshold Level ). Once over the Threshold Level, the contribution is phased out over the next \$15,000 of MAGI so that when MAGI reaches \$125,000, no Roth IRA contribution can be made. A married individual filing a joint tax return can make the full Roth IRA contribution until combined MAGI reaches \$173,000 (the couple s Threshold Level ). Once over the Threshold Level, the contribution is phased out over the next of MAGI until completely eliminated at \$183,000. A married individual who files a separate tax return has a Threshold Level of \$0 and the eligibility to make a Roth IRA contribution is phased out until MAGI reached, when it is eliminated completely. For this purpose, a married individual who has lived apart from his or her spouse for the entire taxable year and who files separately is treated as not married. 8. Calculation of Maximum Roth IRA Contribution To calculate what portion of the maximum \$5,000 Roth IRA contribution for 2012 will be permitted when MAGI is over the Threshold Level, use the formula below. These calculations assume the individuals have not made contributions to other IRAs during the year. NOTE: Excess MAGI equals MAGI minus applicable Threshold Level (\$110,000 or \$173,000 or \$0 see above). An unmarried individual can calculate his Roth IRA contribution as follows: \$15,000 - Excess AGI X \$5,000 = Contribution Limit \$15,000 A married couple (including those who file separately) can calculate each individual s Roth IRA contribution as follows: - Excess AGI X \$5,000 = Contribution Limit So, the Roth IRA contribution limit for the year for each spouse is \$2,370: - \$5,255 X \$5,000 = \$2,370 Example 3: Mr. Green is married but files a separate tax return. He has a MAGI of \$8,700. Their MAGI is \$8,700 Their Threshold Level is \$0 Their Excess MAGI is (MAGI - Threshold Level) or (\$8,700 - \$0) = \$8,700 So, the Roth IRA contribution limit is \$650: - \$8,700 X \$5,000 = \$650 SIf the full \$5,000 contribution cannot or is not made to a Roth IRA, an individual may be eligible to make the contribution to a Traditional IRA. A tax advisor should be consulted on this point, if applicable. D. ROLLOVER CONTRIBUTIONS INCLUDING CONVERSION CONTRIBUTIONS 1. Eligibility A rollover or conversion contribution can be made to a Roth IRA if the contribution meets the definition of a qualifying rollover contribution (see Section D(4) below). 2. Rollover Contribution Limitation There is no dollar limit on a qualifying rollover contribution an eligible individual may make to the Roth IRA. 3. Rollover to Another Roth IRA 2 of 7

7 upon 30 days written notice to the Participant. A Custodian s fee schedule is printed with the Roth IRA Application and is available upon request. M. INVESTMENT OF THE ROTH IRA AND FINANCIAL DISCLOSURE As stated in Article XIII of the Roth IRA Custodial Account Agreement, the assets of the Roth IRA will be invested only in accordance with directions from the Participant (or the beneficiary after the Participant s death) or his duly authorized agent. The Custodian of the Roth IRA does not offer investment advice to the Participant or the beneficiary. The investments available include a wide range of assets. The assets of the Roth IRA at any given time may contain one or more of the permitted assets depending on which investments the Participant or the beneficiary has selected. It is therefore impossible to estimate the value of the Roth IRA assets of the Participant at any given future point in time. Identification of an investment category as administratively feasible, or not administratively feasible, does not constitute a determination by the Custodian of the prudence or advisability of the investment nor does the Custodian provide investment advice or recommend or evaluate the merits or suitability of any investment. 7 of 7

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