Section 1 Understanding the Basics

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1 Timmons Group, Inc. 401(k) Plan ("Plan") This document contains important information concerning your Retirement Plan. The first section reviews advantages of saving in the Plan as well as basic investment concepts. The second section provides you with information about the Plan, including any expenses you might incur through participating in the Plan or through taking advantage of different Plan features. The last section provides information about the Plan's investment alternatives, including any fees or expenses associated with those investments. If you have questions concerning any of this information, please contact Vince Doherty at Section 1 Understanding the Basics Your Retirement Plan is a great way to save for the future. It offers some special advantages you can t get with many other types of savings plans. Automatic payroll deduction The money you save for retirement comes out of every paycheck automatically. Saving for your future is easy and convenient. Pre tax savings Since the money that goes into your retirement account comes out of your pay before it is taxed, your gross salary is reduced by the amount of your pre tax deferral and your current taxable income is lower. Tax deferred compounding In your Plan, your money has the chance to grow without being reduced by current taxes. Taxes aren t due until you take a withdrawal from the Plan. Over time, tax deferred compounding has the potential to significantly increase your account earnings. Professionally managed investment options Your Plan gives you a selection of investments, all of them managed by investment professionals. As you review the investment options in the Plan, keep in mind there are several factors that may influence how you choose to invest among them. These factors include: Your time horizon: How many years do you have until you expect to retire? Your risk tolerance: Do you prefer conservative investments, or are you willing to assume more risk in exchange for the potential to earn a greater return? Your overall investment objective and how the investment options fit into this strategy: Is this account your primary way of saving for retirement, or do you have other savings vehicles (e.g., savings accounts, IRAs, etc.)? The fees you pay: What is the relationship between the fees you pay and the services and potential investment returns you may receive? Investment Type Investment Objectives Rate of Return Management and Investment Fees Transaction Fees and Trading Restrictions Mutual funds are the most common investment type found in Retirement Plans. These investments may include stocks, bonds, cash equivalents or a combination of these three asset classes. Your asset allocation is based on the mix of investments you choose among the options in the Plan. Different types of investments will have different goals and objectives that can influence the investment s potential for return and risk. You may consider each investment s objective to help you manage how your assets are allocated across the different investment options. Historical performance of an investment option at a given point of time. Different investment options will have different management styles and corresponding investment fees. As with other factors, the amount of investment fees will affect the investment returns. Some investment options charge transaction fees or have restrictions on exchanges or withdrawals. It is important to be aware of these fees and/or restrictions when selecting your investments or effecting transactions.

2 Section 2 Plan Information You give investment directions for your account, selecting from investment choices provided under the Plan, as determined by Timmons Group, Inc. The Plan s current investment choices are listed in Section 3. You may change your investment choices anytime by: Calling PlanLine at You have access to your account 24 hours a day. Customer Service Representatives are available Monday Friday, 8:30 a.m. 7:00 p.m. EST during normal business days. Accessing PlanLink at suntrust.com/retirementsolutions. You will need to enter your Username and PIN in order to make changes to your account. To obtain a temporary PIN, please call PlanLine and follow the prompts. Exercising Voting, Tender and Similar Rights The Plan Sponsor will exercise any voting or other rights associated with ownership of shares or units of the designated investment options held in your Plan account. Plan Related Fees and s Some of your Plan s fees are paid by the Plan participants. If you have an account in the Plan, it may be subject to three types of fees and expenses: Asset based fees Plan administrative fees and expenses Individual fees and expenses Asset based fees (investment expense) The total annual operating expense described in the first chart in Section 3 reflect an investment option s expense that will be deducted as a percentage of amounts in each option, thereby reducing its investment return. Administration expenses These are charges for services such as legal, accounting and recordkeepingexpenses. In your Plan, these expenses are paid partly by the Plan and partly by participants. A participant's share of these expenses is allocated on a pro rata basis and are reported on your quarterly statement. Your allocation of these expenses is based on the value of your account balance as a percent of total assets in the Plan. For example, let s assume total Plan assets of $10,000 of which Participant A has $2,500 and Participant B has $7,500. If the Plan s administrative fee is $100, then $25 will be charged to Participant A and $75 to Participant B. Individual expenses These are expenses you may incur if you take advantage of certain Plan features. Loans A $20 origination fee and a $30 per year maintenance fee are paid from loan proceeds for all new loans under $2,000. A $35 origination fee and a $35 per year maintenance fee are paid from loan proceeds for all new loans equal to or greater than $2,000. In addition, you will pay interest back to your account at the Prime Rate plus 1.00%. Investment Help (Guidance/Advice) Our Plan offers investment guidance and advice to help you make decisions with respect to your Plan Investments. There is no charge for this service. Investment Help (Managed Accounts) Our Plan offers a Managed Accounts option through Advised Assets Group, LLC (AAG) that features professional portfolio management tailored to your individual situation. By selecting this option, you are using a service that provides advice and asset allocation recommendations for you. AAG is a registered investment advisor with the Securities and Exchange Commission. AAG provides guidance, advisory and management solutions to defined contribution and deferred compensation plans and participants. They have partnered with Ibbotson Associates, a recognized industry leader in asset allocation and investment analytics tools, to provide the underlying investment advice and portfolio management methodology that will power Advisory Services. The annual fee (assessed quarterly) for Managed Accounts is based on your account balance. The below table outlines the fees that will be assessed against your account.

3 Participant Account Balance Annual Fee < $100, % $100, $250, % $250, $400, % > $400, % Other s You may incur certain charges for special requests: Additional overnight charge: $25 ACH fee: $15 Periodic Payments A participant's share of these expenses is allocated on a pro rata basis.

4 Section 3 Understanding Your Investment Alternatives This section includes important information to help you compare the investment options under your retirement Plan. If you want additional information about your investment options, you can go to PlanLink at or you can contact Vince Doherty at Please visit PlanLink at for a glossary of investment terms relevant to the investment options under the Plan. This glossary is intended to help you better understand your options. Mutual fund companies have established trading policies to help eliminate or reduce potentially harmful market timing or frequent trading within your retirement account. If a Fund company determines you have violated their policy, you will be notified in writing that a trading restriction was placed on your account. To learn more about the excessive trading rules, please refer to the individual Fund s prospectus or Table 1 below. Performance and s Information Table 1 focuses on the performance and the total annual operating expenses of the Plan's investment options that do not have a fixed or stated rate of return. The chart below reflects how the options have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. A benchmark is an unmanaged group of securities whose performance is used as a standard to measure investment performance. You may not invest in the benchmarks. They are for comparative purposes only and are noted in italics in the chart below. The total annual operating expenses, also known as the expense ratio, are fees that reduce the rate of return of the investment option. Running a mutual fund involves costs, including shareholder transaction costs, management fees, and legal expenses. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. Past performance does not guarantee how the investment option will perform in the future. Your investment in these options could lose money. Information about an option s principal risks is available on the Web sites listed in the table below. Table 1 Variable Return Investments INTERNATIONAL MFS International Value Fund (R3) 4.55% 10.72% 9.01% 9.67% 1.09% ($10.90 per MSCI All Country World Ex USA Value NR Index 0.55% 5.35% 6.38% N/A Additional information may be found at: Note on Performance: Performance for this investment for the period prior to 10/24/1995 is based on a different share class for the investment. A transfer of $5,000 or more INTO the fund will not be permitted if a prior transfer of $5,000 or more was made OUT of this fund in the last 30 days.

5 Table 1 Variable Return Investments Putnam International Equity Fund (A) MSCI All Country World ex US NR Index 0.99% 7.60% 5.20% 7.64% 1.30% ($13.00 per 0.06% 6.09% 6.59% N/A Additional information may be found at: Templeton Growth Fund (A) 2.19% 11.12% 5.57% 12.44% 1.07% ($10.70 per MSCI All Country World NR 7.77% 10.57% 7.09% N/A Index Additional information may be found at: Vanguard Developed Markets Index Fund (Inv) 0.01% 6.81% 5.90% 1.12% 0.20% ($2.00 per Wrap FTSE Developed ex North America NR Index 0.84% 6.59% 6.12% 0.20% Additional information may be found at: Note on Performance: Performance for this investment for the period prior to 08/17/1999 is based on a different share class for the investment. SMALL/MID CAP Franklin Small Mid Cap 12.48% 16.98% 9.00% 10.85% 0.96% Growth Fund (A) ($9.60 per Russell Mid Cap Growth Index 14.59% 18.73% 10.17% N/A Additional information may be found at: Goldman Sachs Small Cap 11.51% 18.94% 9.67% 11.13% 1.42% Value Fund (A) ($14.20 per Russell 2000 Index 8.06% 17.39% 8.67% N/A Additional information may be found at: T. Rowe Price Mid Cap Growth Fund (Adv) 14.60% 18.48% 11.22% 8.51% 1.03% ($10.30 per Russell Mid Cap Growth Index 14.59% 18.73% 10.17% N/A Additional information may be found at:

6 Table 1 Variable Return Investments Vanguard Mid Cap Index Fund (Adm) 15.93% 18.88% 10.34% 10.33% 0.09% ($0.90 per CRSP US Mid Cap Index 16.00% 18.93% 10.22% 10.51% Additional information may be found at: Vanguard Small Cap Index Fund (Adm) 10.79% 18.91% 10.08% 9.26% 0.09% ($0.90 per CRSP US Small Cap Index 10.84% 19.47% 10.67% N/A Additional information may be found at: LARGE CAP American Century Income & Growth Fund (A) 15.54% 16.39% 7.31% 6.03% 0.92% ($9.20 per Russell 1000 Value Index 16.46% 16.49% 7.90% N/A Additional information may be found at: BlackRock Equity Dividend Fund (A) 12.83% 13.74% 9.08% 10.22% 1.00% ($10.00 per Wrap Wrap Russell 1000 Value Index 16.46% 16.49% 7.90% N/A Additional information may be found at: Dreyfus Appreciation Fund 12.78% 13.49% 7.23% 10.80% 0.94% (Inv) ($9.40 per Russell 1000 Index 16.78% 16.98% 8.54% N/A Additional information may be found at: Invesco American Franchise Fund (A) 16.53% 15.79% N/A 8.65% 1.14% ($11.40 per Russell 1000 Growth Index 17.11% 17.43% 9.05% 8.99% Additional information may be found at: A transfer of $5,000 or more INTO the fund will not be permitted if a prior transfer of $5,000 or more was made OUT of this fund in the last 30 days.

7 Table 1 Variable Return Investments JPMorgan U.S. Equity Fund (A) 17.82% 16.25% 9.15% 7.48% 1.09% ($10.90 per Russell 1000 Index 16.78% 16.98% 8.54% N/A Additional information may be found at: T. Rowe Price Growth Stock 14.99% 17.68% 9.39% 7.37% 0.93% Fund (Adv) ($9.30 per Russell 1000 Growth Index 17.11% 17.43% 9.05% N/A Additional information may be found at: Vanguard 500 Index Fund (Adm) 17.21% 16.66% 8.19% 4.92% 0.05% ($0.50 per S&P 500 Index 17.27% 16.69% 8.20% 5.23% Additional information may be found at: BALANCED T. Rowe Price Retirement 2020 Fund (Adv) 8.36% 11.35% 7.19% 7.53% 0.92% ($9.20 per Morningstar Lifetime 7.52% 10.34% 7.70% N/A Moderate 2020 Index Additional information may be found at: T. Rowe Price Retirement 9.53% 12.82% 7.74% 8.10% 0.98% 2030 Fund (Adv) ($9.80 per Morningstar Lifetime 8.81% 12.11% 8.24% N/A Moderate 2030 Index Additional information may be found at: T. Rowe Price Retirement 2040 Fund (Adv) Morningstar Lifetime Moderate 2040 Index 10.09% 13.48% 7.91% 8.25% 1.01% ($10.10 per 9.07% 12.73% 8.51% N/A Additional information may be found at: Wrap last 30 days.

8 Table 1 Variable Return Investments T. Rowe Price Retirement 2050 Fund (Adv) Morningstar Lifetime Moderate 2050 Index 10.15% 13.48% N/A 5.95% 1.01% ($10.10 per 8.65% 12.54% 8.56% 5.94% Additional information may be found at: BONDS PIMCO Total Return Fund (A) 2.76% 4.69% 5.51% 6.36% 0.85% ($8.50 per Barclays U.S. Aggregate Bond 4.14% 4.22% 4.64% N/A Index Additional information may be found at: Vanguard Total Bond Market Index Fund (Adm) 4.07% 4.14% 4.61% 4.67% 0.08% ($0.80 per Wrap Barclays U.S. Aggregate Float Adjusted Index 4.12% 4.26% N/A N/A Additional information may be found at: STABLE VALUE Federated Capital Preservation 0.62% 1.58% 2.72% 4.90% 0.80% Fund (ISP) ($8.00 per Citigroup 6 Month T Bill Index 0.07% 0.13% 1.64% N/A Additional information may be found at: CASH EQUIVALENTS Federated Prime Obligations 0.01% 0.01% 1.57% 2.82% 0.53% Fund (SS) ($5.30 per U.S. T Bill Auction 3 Month Average 0.04% 0.08% 1.54% N/A Additional information may be found at:

9 The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor s Web site for an example showing the long term effect of fees and expenses at employee.html. 1 For more information, please review the fund s prospectus at the designatedmutual fund s website. This information is also available on PlanLink at Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Copyright Morgan Stanley Capital International, Inc. (2013) were provided to Distributor. All Rights Reserved. Unpublished. PROPRIETARY TO MORGAN STANLEY CAPITAL INTERNATIONAL INC. Please visit for a glossary of investment terms relevant to the investment options under this plan. This glossary is intended to help you better understand your options. Retirement plan services are provided by SunTrust Bank. SunTrust Bank may use or offer the services of affiliate companies as well as third party entities to achieve your banking and investment objectives. Where applicable, any affiliations and all pertinent provider information will be disclosed in accompanying agreements and prospectuses. Securities, insurance (including annuities) and other investment products and services are offered by SunTrust Investment Services, Inc., an SEC registered investment adviser and broker dealer affiliate of SunTrust Banks, Inc., member FINRA, SIPC and a licensed insurance agency. SunTrust Bank and its affiliates and the directors, officers, employees and agents of SunTrust Bank and its affiliates (collectively, SunTrust ) are not permitted to give legal or tax advice. While SunTrust can assist clients in the areas of estate and financial planning, only an attorney can draft legal documents, provide legal services and give legal advice. Clients of SunTrust should consult with their legal and tax advisors prior to entering into any financial transaction or estate plan. Because it cannot provide legal services or give legal advice, SunTrust s services or advice relating to estate planning are limited to (i) financial planning, multi generational wealth planning, investment strategy, (ii) management of trust assets, investment management and trust administration, and (iii) working with the client s legal and tax advisors in the implementation of an estate plan. Information presented is for general information only and does not specifically address individual investment objectives, financial situations or the particular needs of any specific person who may receive this material. Nothing in this material constitutes individual investment, legal or tax advice, or the offer of a security. These materials are educational in nature. The implications and risks of a transaction may be different from individual to individual based upon past estate, gift and income tax strategies employed and each individual s unique financial and familial circumstances and risk tolerances. Securities and Insurance Products and Services*: Are Not FDIC or Any Other Government Agency Insured Are Not Bank Guaranteed May Lose Value 2014 SunTrust Banks, Inc. SunTrust PlanLine and PlanLink are federally registered service marks of SunTrust Banks, Inc. *Disclosures in the table do not apply to FDIC Insured Accounts.

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