Start saving for retirement today. The Family Dollar 401(k) Plan S A V I N G F O R T H E F U T U R E : I T S I N Y O U R H A N D S.

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1 S A V I N G F O R T H E F U T U R E : I T S I N Y O U R H A N D S. Start saving for retirement today Determine how much to save Choose your investment options Enroll at wellsfargo.com The Family Dollar 401(k) Plan

2 Take the steps toward a better future today. The The Family Dollar 401(k) Plan offers you an easy way to save for retirement. Consider these reasons to take action and start saving for your future. Maintain your current lifestyle in retirement. For each year of retirement, many experts suggest you ll need at least 80% of your annual preretirement income to maintain your standard of living. And thanks to medical advancements, many people are living longer, which could mean a longer retirement and a need to save a larger amount of money. Reduce your current tax bill and possibly boost your refund. Every pretax dollar you contribute to the plan reduces your current taxable income, which means you could lower your overall income taxes. You may also be eligible for the Saver s Credit, an income tax credit available to some people who contribute to an employer s retirement plan or IRA. 1 Pick from a variety of investment options. The plan offers a wide variety of investment options so you can personalize your investment portfolio to meet your specific preferences and goals. Save easily with payroll deductions. Make it easy to pay yourself first. Ready to enroll? To enroll in your retirement plan now, please follow the directions below. If you would like additional information before enrolling, follow the three easy steps outlined on the following pages. Before enrolling, you will need to: Determine the amount you d like to contribute Choose your investment options After enrolling remember to select your retirement account beneficiary online. Get started saving today Go online: wellsfargo.com Choose Sign Up at the top of the page to enroll. The first time you sign on, you ll need your Social Security number (SSN), date of birth, and address. Check the box indicating that you do not have an account number and you will be guided through a short series of security questions. If you have other Wells Fargo accounts that you access online, sign on using your existing username and password, then select the name of your retirement plan to get started. Don t automatically see your retirement plan account in your account summary? Once you ve signed on, visit the Account Services tab, then under Account Information, select Add Accounts. Your retirement account should be available to add. Call us: To enroll by phone you ll need your Social Security number (SSN) and personal identification number, which is initially the last four digits of your SSN. Representatives are available to assist you from 7:00 am to 11:00 pm Eastern Time, Monday through Friday. Simplify your savings: Make tracking and managing your savings easier by consolidating multiple savings accounts into one retirement plan account. Call the Retirement Service Center at to request a rollover form. 1 For more information about the Saver s Credit, please consult a tax professional or visit

3 Step 1: Determine how much to save Determining how much to save for your future is a very important decision. It is also important to start saving today so your contributions have the potential to grow over a longer period of time. Below is some information about a few features of your plan to help you decide how much to contribute. For more information about your plan, see the Plan features section of this book. Quick fact retirement. Have you? Source: Employee Benefit Research Institute, 2012 You may make pretax contributions of 1% to 75% of your salary. For every dollar you put in the plan, your employer will contribute $1.00, up to 3% of your salary and will contribute $0.50, up to the next 2% of your salary. If you are age 50 or over by the end of the calendar year, you may qualify to make additional pretax or catch-up deferrals of up to $5,500 in See how different contribution rates can impact your retirement savings Using a $25,000 annual salary, the table below shows what a big difference increasing your contribution amount can have on your account balance over time. The example assumes annual 2% pay increases and a 7% annual rate of return on your investments. Also, take a look at how the cost of waiting one year can affect your retirement savings. Percent of salary contributed Balance after 15 years Balance after 25 years Balance after 35 years 3% $21,197 $56,802 $130,150 6% $42,395 $113,605 $260,301 9% $63,592 $170,407 $390,541 Balance if wait 1 year (based on a 6% salary contribution) $38,527 $105,996 $245,334 Examples are for illustration purposes only. Estimates are based on the assumptions noted, do not guarantee or imply a projection of actual results, and do not include the effect of taxes. Wells Fargo cannot guarantee results under any savings or investing program, including a regular investment program, and cannot guarantee that you will meet your retirement savings goal.

4 Step 2: Choose your investment options It is important that you make investment choices in your retirement plan. If you enroll and don t make any investment selections, your savings will be automatically invested in the Moderate Allocation Model. The following information can help you build an investment strategy for the investment options offered in your retirement plan. Even if you don t know much about investing, it is easy to get started. Keep these key investment concepts in mind as you make your decisions: Diversification: Diversification simply means choosing a variety of investments that represent different asset classes, such as stable value investments, bonds and stock funds. Diversification can help lower risk by capturing the gains of strong performing investments, while offsetting the losses of weaker investments. By investing in different asset classes you seek to balance potential risk. Risk and return: Every investment option offers the potential for gains and the potential for loss. Stable value investments offer little chance that they will lose money, but their potential for gain is limited. On the other end of the spectrum, stock funds have the greatest potential for gain, but they can also decrease significantly in value. The objective is to find the right combination of investments to manage risk and maximize return. Time frame: The longer you have until retirement, the more aggressive you can be. Even if you are uncomfortable with risk but are many years from retirement, you should consider investing more aggressively. Of course, these are just the basics. We have outlined your options for investing, and provided more information for making your investment decisions. Additional fund information is available at the back of this book.

5 Option 1: Choose a simple solution Asset allocation options Asset allocation portfolios/funds provide a single investment option that includes a diversified investment mix. As we mention at the beginning of this section, diversification is key to any investment strategy, and that is already done for you with these types of investments. One of these investments can provide diversification. Each option represents a different investor type, from conservative to aggressive, meaning the level of risk increases as the amount invested in stocks goes up. Choose the fund that is closest to your risk tolerance level. To help you determine your risk tolerance level an assessment is available at wellsfargo.com. Remember that the investment mix in these investments does not change over time. What may be appropriate for you today may not be appropriate as you approach retirement. You will need to decide, as you move closer to retirement, when you should start investing in a different portfolio. Model portfolios The portfolios listed below offer a diversified investment mix with the fund options in your plan. Because investments grow at different rates, the portfolios will be automatically rebalanced on a regular basis so your account maintains the target investment mix. Simply determine your risk tolerance level and choose the portfolio to match. Capital Preservation Allocation Model Conservative Allocation Model Moderate Allocation Model Growth Allocation Model Aggressive Allocation Model Each quarter, accounts invested in a model portfolio will be rebalanced to that portfolio s original asset allocations if the portfolio has deviated beyond a specified range. Wells Fargo Bank, N.A. ( Wells Fargo ) is the directed trustee of your employer's plan. Wells Fargo will not make any decisions or recommendations about the advisability of changing or retaining the investment options available in your plan and has no responsibility or authority to do so. Those decisions are the responsibility of the plan fiduciary, who selects the investment fund options in your plan. These model portfolios are based on generally accepted investment theories that take into account the historic returns of different asset classes (for example, equities, bonds, or cash) over defined periods of time. Variables such as anticipated retirement age, life expectancy, income requirements and resources, inflation and potential rates of return should be considered when you determine which model portfolio will best suit your risk profile. When applying the models to your own situation, you should consider your other assets, income, and investments (such as home equity, IRA investments, savings accounts, and interests in other qualified and nonqualified plans) in addition to your interests in your retirement plan. These models identify specific investment alternatives available under your plan. Other investment alternatives that have similar risk and return characteristics may be available in your plan. Please contact your plan administrator for these investment alternatives. You re done! If you chose one of the portfolios or funds, move on to step 3 to enroll.

6 Option 2: Do it yourself Individual fund options If you want to build your own portfolio, choose from the funds available in your plan. This requires you to understand your investment goals and to pick the individual fund options that will meet those needs. If you like to manage your investments, and you have the time and the knowledge to do so, this option may be right for you. First, identify what type of investor you are: conservative, moderate, or aggressive. To help you determine your tolerance for risk and investment style, check out the Risk Tolerance Quiz at wellsfargo.com/riskquiz. After taking the quiz, you should also get to know the fund options available in your plan by reviewing the fund information located at the back of this book. Finally choose the percentage you want to invest in each fund. Your choices must add up to 100%. % of investment Asset class Fund name % Stable Value/Money Market Wells Fargo Stable Return Fund N % Bonds PIMCO Total Return A % Bonds Vanguard Total Bond Market Index Adm % Balanced/Lifestyle Invesco Equity and Income R5 % Stock BlackRock Basic Value Instl % Stock Wells Fargo/BlackRock S&P 500 Index CIT N % Stock MainStay Large Cap Growth I % Stock JPMorgan Mid Cap Value Instl % Stock Vanguard Extended Market Idx Adm % Stock Munder Mid-Cap Core Growth Y % Stock Goldman Sachs Small Cap Value Instl % Stock Loomis Sayles Small Cap Growth Instl % Stock JPMorgan International Value I % Stock Vanguard Total Intl Stock Index Admiral % Stock Invesco International Growth R5 100% You re done! If you created your own portfolio, move on to step 3 to enroll. This information and any information provided by employees and representatives of Wells Fargo Bank, N.A. and its affiliates is intended to constitute investment education under U.S. Department of Labor guidance and does not constitute investment advice under the Employee Retirement Income Security Act of 1974 or regulations thereunder. Neither Wells Fargo nor any of its affiliates, including employees and representatives, may provide investment advice to any participant or beneficiary regarding the investment of assets in an employer-sponsored retirement plan. Please contact your personal investment, financial, tax, or legal advisor regarding your specific needs and situation. Investment in retirement plans:

7 Step 3: Enroll Enrolling in your retirement plan is as easy as 1, 2, 3! You ve made your choices, now make sure you sign up for your retirement plan today. Before enrolling, you will need to: Determine the amount you d like to contribute Choose your investment options After enrolling remember to select your retirement account beneficiary online. Go online: wellsfargo.com Choose Sign Up at the top of the page to enroll online. The first time you sign on, you ll need your Social Security number (SSN), date of birth, and address. Check the box indicating that you do not have an account number and you will be guided through a short series of security questions. If you have other Wells Fargo accounts that you access online, sign on using your existing username and password, then select the name of your retirement plan to get started. Don t automatically see your retirement plan account in your account summary? Once you ve signed on, visit the Account Services tab, then under Account Information, select Add Accounts. Your retirement account should be available to add. Call us: To enroll by phone you'll need your Social Security number (SSN) and personal identification number, which is initially the last four digits of your SSN. Representatives are available to assist you from 7:00 am to 11:00 pm Eastern Time, Monday through Friday.

8 Notes:

9 Features of your plan This plan features overview answers some of the most common questions about the The Family Dollar 401(k) Plan. For more information about your plan, refer to the Summary Plan Description available from your employer. When can I enroll? If you were hired before 1/1/2014, you must have completed 90 days of service. If you were hired on or after 1/1/2014, you must have completed 180 days of service. Plan entry dates are on the first day of the payroll period after eligibility requirements have been met. The following employees are not eligible to join this plan: Employees covered by a collective bargaining agreement Non-resident aliens Leased employees How much can I contribute to the plan? You may make pretax contributions of 1% to 75% of your salary. Contributions can be made in whole percentage increments only. If you are age 50 or over by the end of the calendar year, you may qualify to make additional pretax or catch-up contribution of up to $5,500 in Your contributions are limited to the IRS limit of $17,500 in 2014, subject to certain limitations. Does Family Dollar make any contributions? For every dollar you put in the plan, your employer will contribute $1.00, up to 3% of your salary, and will contribute $0.50, up to the next 2% of your salary. Can I roll over money into my plan? Rollover contributions are allowed upon becoming a participant. You may roll over money into your account from the following sources: 403(b) plans 457 plans Other qualified plans Is my account automatically rebalanced? Your plan provides you with options to help you maintain your account s targeted asset allocation. Rebalancing your account on a regular basis is important to keep your investments in line with your chosen risk level and targeted asset allocation plan. If you select investments only from the individual fund options in your plan, you have the option to add automatic rebalancing to your account. After you enroll in the plan, you can add automatic rebalancing by signing on to your account online or by calling When do I become vested in my account? Vesting refers to your ownership of a benefit from your plan. You are always 100% vested in the money you contribute to the plan and the earnings on that money. You are 100% vested in the matching contributions your employer puts into your plan and the earnings on that money. Are loans permitted? You may borrow up to $50,000, or 50% of your vested balance, whichever is less. The minimum loan amount is $1,000. You may have one loan outstanding at a time. A set-up fee of $50.00 will be charged to your account for each outstanding loan. When can I receive money from my account? At retirement In-service distributions, after age 59 ½ At termination of employment, regardless of age Death or disability Distribution requests following termination of employment will be processed no earlier than thirty (30) days following the date your employment ends, and payment of distributions will be made as soon as administratively feasible after processing. You may take a hardship withdrawal from your eligible elective deferrals in certain cases of financial need as established by IRS regulations. If you receive a hardship withdrawal, your deferrals into the plan will be suspended for six months.

10 Hardship withdrawals are generally limited to the following: Purchase of your principal residence Prevention of eviction from your principal residence Post-secondary education for you or a family member Medical expenses not covered by insurance for you or a family member Funeral expenses for a family member Expenses for the repair of damage to your principal residence This brochure is intended to summarize some of the benefits and requirements of the plan. It is not intended to provide a full description of all of the plans, programs and policies, terms of eligibility or restrictions. All statements made in this brochure are subject to the terms of the official plan, program and policy documents. In the event of a conflict between the official documents and this brochure, the official plan documents are controlling. The Plan Sponsor reserves the right to amend, modify or terminate each of its employer-sponsored plans, programs and policies at any time, in whole or part, without notice for any reason. Withdrawals are subject to ordinary income taxes (and generally a 10% non-deductible tax penalty if you are under age 59½). Refer to your Summary Plan Description for more information about withdrawals.

11 Questionnaire

12 Notes:

13 Fund Information Stable Value/Money Market Wells Fargo Stable Return Fund N Objective: The Fund achieves its investment objective of principal preservation through ownership of a broadly diversified portfolio of high quality assets. Instruments with limited principal fluctuation, such as money market instruments and Guaranteed Investment Contracts (GICs) or their alternatives, are heavily emphasized. Reinvestment risk is minimized through the employment of a laddered maturity structure. The Fund enhances return through the application of disciplined fixed income management techniques combined with fundamental economic, credit and market analysis. Asset Class Indicator Stable Value/Money Market Stable Value PF Bonds PIMCO Total Return A PTTAX Objective: The investment seeks maximum total return, consistent with preservation of capital and prudent investment management. The fund normally invests at least 65% of its total assets in a diversified portfolio of Fixed Income Instruments of varying maturities, which may be represented by forwards or derivatives such as options, futures contracts, or swap agreements. It invests primarily in investment-grade debt securities, but may invest up to 10% of its total assets in high yield securities ("junk bonds") rated B or higher by Moody's, or equivalently rated by S&P or Fitch, or, if unrated, determined by PIMCO to be of comparable quality. Asset Class Indicator Bonds Intermediate-Term Bond Asset Allocation as of 12/31/2013: 149.9% Non U.S. Bond 0.31% Non U.S. Stock 82.91% U.S. Bond 0.11% Preferred 8.72% Other % Cash Vanguard Total Bond Market Index Adm VBTLX Objective: The investment seeks the performance of a broad, marketweighted bond index. The fund employs an indexing investment approach designed to track the performance of the Barclays U.S. Aggregate Float Adjusted Index. This Index represents a wide spectrum of public, investmentgrade, taxable, fixed income securities in the United States-including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities-all with maturities of more than 1 year. All of the fund's investments will be selected through the sampling process, and at least 80% of the fund's assets will be invested in bonds held in the index. Asset Class Indicator Bonds Intermediate-Term Bond Asset Allocation as of 02/28/2014: 85.01% U.S. Bond 3.52% Cash 11.43% Non U.S. Bond 0.04% Preferred Balanced/Lifestyle Invesco Equity and Income R5 ACEKX Objective: The investment seeks current income and, secondarily, capital appreciation. The fund invests, under normal circumstances, at least 80% of its net assets (plus any borrowings for investment purposes) in equity and income securities, and in derivatives and other instruments that have economic characteristics similar to such securities. It invests, under normal circumstances, at least 65% of its net assets in income-producing equity investments, such as dividend paying common or preferred stocks. The fund may invest up to 25% of its net assets in securities of foreign issuers or depositary receipts. Asset Class Indicator Balanced/Lifestyle Aggressive Allocation Asset Allocation as of 12/31/2013: 55.88% U.S. Stock 7.66% Non U.S. Stock 13.05% U.S. Bond 1.36% Non U.S. Bond 11.61% Cash 0.92% Preferred 9.5% Convertible 0.02% Other 00142J438

14 Stock BlackRock Basic Value Instl MABAX Objective: The investment seeks capital appreciation and, secondarily, income. The fund is a "feeder" fund that invests all of its assets in Master Basic Value LLC (the "Master LLC"), which has the same investment objectives and strategies as the fund. It invests primarily in equity securities that fund management believes are undervalued, which means that their prices are less than fund management believes they are worth. The fund invests primarily in common stock of U.S. companies. It focuses on companies with market capitalizations of over $5 billion. Asset Class Indicator Stock Large Value Asset Allocation as of 12/31/2013: 90.62% U.S. Stock 0.07% Preferred 8.81% Non U.S. Stock -0.01% Other 0.52% Cash 09251G507 Wells Fargo/BlackRock S&P 500 Index CIT N Objective: The Fund seeks long term capital growth by owning a diversified portfolio of established companies which produce superior and sustainable earnings growth. The Fund offers investors exposure to equity securities by fully replicating the S&P 500 Index. The objective of the Fund is to track the performance of its benchmark. To manage the Fund effectively, management focuses on three objectives: minimizing transaction costs, minimizing tracking error and minimizing investment and operational risk. Asset Class Indicator Stock Large Blend Asset Allocation as of 12/31/2013: 96.98% U.S. Stock 0.97% Cash 1.83% Non U.S. Stock 0.22% Other 09256V293 MainStay Large Cap Growth I MLAIX Objective: The investment seeks long-term growth of capital. The fund invests at least 80% of its assets (net assets plus any borrowings for investment purposes) in large capitalization companies, which are companies having a market capitalization in excess of $4 billion at the time of purchase. The Subadvisor invests substantially all of the fund's investable assets in domestic securities. However, the fund is permitted to invest up to 20% of its net assets in foreign securities, which are generally securities issued by companies organized outside the U.S. and traded primarily in markets outside the U.S. Asset Class Indicator Stock Large Growth Asset Allocation as of 01/31/2014: 94.29% U.S. Stock 1.08% Cash 4.62% Non U.S. Stock 56062X641 JPMorgan Mid Cap Value Instl FLMVX Objective: The investment seeks growth from capital appreciation. The fund normally invests at least 80% of assets in equity securities of mid cap companies. Mid cap companies are companies with market capitalizations between $1 billion and $20 billion at the time of purchase. In implementing its main strategies, the fund's investments are primarily in common stocks and real estate investment trusts (REITs). It will use futures contracts to more effectively gain targeted equity exposure from its cash positions. Asset Class Indicator Stock Mid-Cap Value Asset Allocation as of 02/28/2014: 96.57% U.S. Stock 0.77% Non U.S. Stock 2.66% Cash Vanguard Extended Market Idx Adm VEXAX Objective: The investment seeks to track the performance of a benchmark index that measures the investment return of small- and mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard & Poor's Completion Index, a broadly diversified index of stocks of small and mid-size U.S. companies. It invests all, or substantially all, of its assets in stocks of its target index, with nearly 80% of its assets invested in approximately 1,200 of the stocks in its target index, and the rest of its assets in a representative sample of the remaining stocks. Asset Class Indicator Stock Mid-Cap Blend Asset Allocation as of 02/28/2014: 97.46% U.S. Stock 0.03% Other 2.38% Non U.S. Stock 0.01% Preferred 0.12% Cash

15 Stock (continued) Munder Mid-Cap Core Growth Y MGOYX Objective: The investment seeks long-term capital appreciation. The fund normally invests at least 80% of the fund's assets in equity securities (i.e., common stocks, preferred stocks, convertible securities and rights and warrants) of mid-capitalization companies. Mid-capitalization companies means those companies with market capitalizations within the range of companies included in the S&P MidCap 400 Index. Although the fund will primarily be invested in domestic securities, up to 25% of the fund's assets may be invested in foreign securities. Asset Class Indicator Stock Mid-Cap Growth Asset Allocation as of 12/31/2013: 95.27% U.S. Stock 0.05% Other 4.68% Non U.S. Stock Goldman Sachs Small Cap Value Instl GSSIX Objective: The investment seeks long-term capital appreciation. The fund normally invests at least 80% of its net assets plus any borrowings for investment purposes (measured at time of purchase) ("net assets") in a diversified portfolio of equity investments in small-cap issuers with public stock market capitalizations within the range of the market capitalization of companies constituting the Russell 2000 Value Index at the time of investment. Although it invests primarily in publicly traded U.S. securities, the fund may also invest in foreign securities, including securities of issuers in emerging countries and securities quoted in foreign currencies. Asset Class Indicator Stock Small Blend Asset Allocation as of 09/30/2013: 95.68% U.S. Stock 2.09% Non U.S. Stock 2.22% Cash 38142V209 Loomis Sayles Small Cap Growth Instl LSSIX Objective: The investment seeks long-term capital growth. The fund normally invests at least 80% of its net assets in the equity securities of "smallcap companies," including preferred stocks, warrants, securities convertible into common or preferred stocks and other equity-like interests in an entity. It may invest the rest of its assets in companies of any size, including largecapitalization companies. The fund may invest any portion of its assets in securities of Canadian issuers and up to 20% of its assets in other foreign securities, including emerging markets securities. It may also invest in Rule 144A securities. Asset Class Indicator Stock Small Growth Asset Allocation as of 01/31/2014: 92.4% U.S. Stock 2.71% Non U.S. Stock 4.89% Cash JPMorgan International Value I JNUSX Objective: The investment seeks to provide high total return from a portfolio of foreign company equity securities. The fund invests primarily in equity securities from developed countries included in the Morgan Stanley Capital International (MSCI) Europe, Australasia and Far East (EAFE) Value Index (net of foreign withholding taxes). It typically does not invest in U.S. companies. The fund's sector weightings generally approximate those of the MSCI EAFE Value Index. In choosing securities, the fund emphasizes those that are ranked as undervalued according to the proprietary research of the adviser while underweighting or avoiding those that appear overvalued. Asset Class Indicator Stock Foreign Large Value Asset Allocation as of 02/28/2014: 95.92% Non U.S. Stock 1.26% Preferred 1.68% Cash 1.14% U.S. Stock 4812A0573

16 Stock (continued) Vanguard Total Intl Stock Index Admiral VTIAX Objective: The investment seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States. The fund employs an indexing investment approach designed to track the performance of the FTSE Global All Cap ex US Index, a free-float-adjusted market-capitalization-weighted index designed to measure equity market performance of companies located in developed and emerging markets, excluding the United States. The index includes more than 5,330 stocks of companies located in 45 countries. Asset Class Indicator Stock Foreign Large Blend Asset Allocation as of 02/28/2014: 97.34% Non U.S. Stock 0.43% Cash 1.48% Other 0.12% U.S. Stock 0.62% Preferred Invesco International Growth R5 AIEVX Objective: The investment seeks long-term growth of capital. The fund invests primarily in equity securities and depositary receipts of foreign issuers. It normally invests in securities of issuers located in at least three different countries outside of the U.S. The fund may also invest up to 1.25 times the amount of the exposure to emerging markets countries in the MSCI ACWI ex USA Growth Index. The fund invests primarily in the securities of largecapitalization issuers; however, the fund may invest a significant amount of its net assets in the securities of mid-capitalization issuers. Asset Class Indicator Stock Foreign Large Growth Asset Allocation as of 12/31/2013: 92.98% Non U.S. Stock 1.21% Preferred 5.81% Cash The funds are assigned to an asset class, which may not match the asset class assigned by other data sources. Asset Allocation is subject to change and may have changed since date specified. Morningstar calculates portfolio statistics on the short positions in each fund and displays long, short, and net statistics as appropriate. Short positions produce negative exposure to the security that is being shorted. This means that when the security rises in value, the short position will fall in value and vice versa. Individual short positions are displayed with negative percent weights in a complete holdings list, and the short asset allocation for a fund will also be negative. These enhanced statistics allow investors to evaluate the long and short sides of a portfolio separately and to estimate the fund's overall net exposure. All rights reserved for Morningstar, Inc. data. 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. Fund information contained herein (including performance information) is obtained from reliable sources including Morningstar and/or mutual fund companies, but is not guaranteed as to accuracy, completeness and timeliness. Provider shall not be liable for any errors in content or for any actions taken in reliance thereon. An investor should consider the funds investment objectives, risks, charges and expenses carefully before investing or sending money. This and other important information about the investment company can be found in the fund prospectus. To obtain a copy of the prospectus, please contact the fund company or call a retirement service representative. Please read the prospectus carefully before investing. Investment in retirement plans:

17 Investment performance and operating expenses The table below contains information about the investment options available in your plan. You can see how these investments have performed over time and compare them with an appropriate benchmark for the same time periods. This table also shows: Annual operating expenses (expenses that reduce the rate of return of an investment) Shareholder-type fees (these are in addition to total annual operating expenses) Investment limitations, restrictions, or both You can make changes to your investment options at wellsfargo.com, or you can call the Retirement Service Center at and speak to a representative Monday through Friday from 7:00 a.m. to 11:00 p.m. Eastern Time. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor s website for an example showing the long-term effect of fees and expenses at publications/401k_employee.html. 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. Give careful consideration to the importance of a balanced and well-diversified portfolio, taking into account all your assets, income, and investments. Asset Class Performance (as of 03/31/2014) Fund name Type of fund Benchmark 3-Month 1-Year 5-Year Stable Value/Money Market 10-Year/ since inception* Annual Operating Expenses Gross percentage/ per $1,000 Net percentage** /per $1,000 Wells Fargo Stable Return Fund N % 1.54% 2.41% 3.50% 0.34%/ Stable Value Citi Treasury Bill 3 Mon USD 0.01% 0.05% 0.09% 1.56% $ %/ $3.40 The Fund requires participants to invest in a non-competing fund for at least 90 days before transferring to a competing fund option. Bonds PIMCO Total Return A 1.20% -1.63% 6.43% 5.43% 0.85%/ Intermediate-Term Bond Barclays US Agg Bond TR USD 1.84% -0.10% 4.80% 4.46% $ %/ $8.50 Vanguard Total Bond Market Index Adm 1.91% -0.21% 4.71% 4.44% 0.10%/ Intermediate-Term Bond Barclays US Agg Float Adj TR USD 1.85% -0.05% N/A N/A $ %/ $1.00 Balanced/Lifestyle Invesco Equity and Income R5 2.47% 17.18% N/A *14.14% 0.49%/ Aggressive Allocation Morningstar Aggressive Target Risk 2.02% 17.51% N/A *15.35% $ %/ $4.80 Transfers of $ or more OUT of this fund prohibit you from transferring $ or more INTO this fund for 30 calendar day(s). Stock BlackRock Basic Value Instl 2.80% 27.27% 21.16% 7.50% 0.55%/ Large Value Russell 1000 Value TR USD 3.02% 21.57% 21.75% 7.58% $ %/ $5.50

18 Asset Class Performance (as of 03/31/2014) Fund name Type of fund Benchmark 3-Month 1-Year 5-Year Stock (continued) 10-Year/ since inception* Annual Operating Expenses Gross percentage/ per $1,000 Net percentage** /per $1,000 Wells Fargo/BlackRock S&P 500 Index CIT N % 21.83% 21.24% 7.52% 0.04%/ Large Blend S&P 500 TR USD 1.81% 21.86% 21.16% 7.42% $ %/ $0.40 MainStay Large Cap Growth I -1.34% 23.49% 19.85% *9.75% 0.77%/ Large Growth Russell 1000 Growth TR USD 1.12% 23.22% 21.68% *8.75% $ %/ $7.70 JPMorgan Mid Cap Value Instl 3.19% 20.95% 24.79% 10.30% 0.99%/ Mid-Cap Value Russell Mid Cap Value TR USD 5.22% 22.95% 26.35% 10.24% $ %/ $ round-trip transfer(s) within a 60-day period. Vanguard Extended Market Idx Adm 2.73% 25.88% 26.01% 9.99% 0.14%/ Mid-Cap Blend Wilshire 4500 Completion TR USD 2.71% 25.87% 25.56% 9.91% $ %/ $1.40 Munder Mid-Cap Core Growth Y 1.77% 20.64% 22.89% 9.86% 1.15%/ Mid-Cap Growth Russell Mid Cap Growth TR USD 2.04% 24.22% 24.73% 9.47% $ %/ $11.50 Goldman Sachs Small Cap Value Instl 1.99% 25.71% 25.35% 10.11% 1.02%/ Small Blend Russell 2000 TR USD 1.12% 24.90% 24.31% 8.53% $ %/ $9.80 Loomis Sayles Small Cap Growth Instl 1.58% 31.74% 26.46% 11.58% 0.94%/ Small Growth Russell 2000 Growth TR USD 0.48% 27.19% 25.24% 8.87% $ %/ $9.40 JPMorgan International Value I -2.21% 15.78% 15.32% 7.25% 0.96%/ Foreign Large Value MSCI ACWI Ex USA NR USD 0.51% 12.31% 15.52% 7.12% $ %/ $ round-trip transfer(s) within a 60-day period. Vanguard Total Intl Stock Index Admiral 0.80% 12.79% N/A *7.07% 0.14%/ Foreign Large Blend MSCI ACWI Ex USA NR USD 0.51% 12.31% N/A *6.99% $ %/ $1.40

19 Asset Class Performance (as of 03/31/2014) Fund name Type of fund Benchmark 3-Month 1-Year 5-Year Stock (continued) 10-Year/ since inception* Annual Operating Expenses Gross percentage/ per $1,000 Net percentage** /per $1,000 Invesco International Growth R5 0.58% 15.57% 16.06% 9.20% 0.99%/ Foreign Large Growth MSCI ACWI Ex USA NR USD 0.51% 12.31% 15.52% 7.12% $ %/ $9.80 Transfers of $ or more OUT of this fund prohibit you from transferring $ or more INTO this fund for 30 calendar day(s). 1 A collective investment fund is a pooled investment vehicle that is exempt from SEC registration as an investment company under Section 3(c)(11) of the Investment Company Act of 1940 and maintained by a bank or trust company for the collective investment of qualified retirement plans. CIFs are authorized by the Office of the Comptroller of the Currency (OCC) and are also known as A2 funds, referring to the section in OCC rules that defines them. The Fund is not a mutual fund and not subject to the same registration requirements and restrictions as mutual funds. *Returns are since inception for funds that are less than ten years old. **Investment options that show a net percentage lower than the gross percentage under total annual expenses have certain fee waivers in effect which reduce the expenses for that investment option. Net expenses per $1,000 presume (but do not guarantee) that the fee waiver is in effect for the one-year period. For more information about any fee waiver, including its duration, see the investment prospectus or similar disclosure document. Any amounts that may have been rebated back to the plan from an investment option s total annual operating expenses are not taken into account in the net percentages or net expenses per $1,000. Unless noted in the investment chart above, a plan fiduciary is responsible for voting, tender, and other similar rights for the plan s designated investment options. Please visit wellsfargo.com for more information about the investments in your plan, including the most up-to-date investment performance and annual expense information. For a free paper copy of this information, or for further information contact the Retirement Service Center at or write to Institutional Retirement and Trust, D , 1525 West WT Harris Boulevard, Charlotte, NC In addition, a glossary of investment related terms is available on the website to help you better understand your investment options. Figures quoted represent past performance, which is no guarantee of future results. Investment return and principal value and yields of an investment will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. Current performance may be lower due to market volatility. These returns include reinvestment of dividends and capital gains. Government bonds are not insured or guaranteed by the U.S. Government. Benchmarks are not investments and are shown for performance comparison purposes only. The benchmark shown represents an appropriate broad-based securities market index. In cases where two benchmarks are provided, the first is the broad-based benchmark and the second is an alternative benchmark for further comparison information. All rights reserved for Morningstar, Inc data. 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. Fund information contained herein (including performance information) is obtained from reliable sources including Morningstar and/or mutual fund companies, but is not guaranteed as to accuracy, completeness and timeliness. Provider shall not be liable for any errors in content or for any actions taken in reliance thereon. Certain funds listed may impose redemption fees on shares that are transferred or exchanged out of the applicable fund before the applicable minimum holding period. An investor should consider the funds investment objectives, risks, charges and expenses carefully before investing or sending money. This and other important information about the investment company can be found in the fund prospectus. To obtain a copy of the prospectus, please contact the fund company or call a retirement service representative. Please read the prospectus carefully before investing. Investment in retirement plans:

20 Notes:

21 Additional Fee Information The table below summarizes additional fees that may be charged to your account. Fees actually charged to your account will be shown on the Account Summary section of the statement. Fee paid by Fee Fee amount Allocation method/frequency 1 Participant 59 1/2 DIST. $20.46 Each 1 Participant BENE MT $20.46 Each 1 Participant Florida Stamp Tax 0.35% Each 1 Participant HARDSHIP $20.46 Each 1 Participant IN-SERVICE $20.46 Each 1 Participant Installment initiation fee $2.46 One Time 1 Participant LUMP SUM $20.46 Each 1 Participant MIN REQ'D DIST $20.46 Each 1 Participant New Loan Fee $50.00 Each 1 Participant PERIODIC $2.46 Each 1 Participant ROLLOVER $20.46 Each Plan Per Participant Charge $70.00 Per Participant/Per Year The fees noted above are paid to service providers for plan administration, such as loan processing, legal, accounting, and recordkeeping services. These fees vary each year based on different factors. Your employer has discretion to pay plan administration expenses from its own assets or from the plan s assets, and may change its decision on how such expenses are paid at any time. Other fees, such as a fee for a new service, may apply. Fees that are charged to the plan, or to your account directly, will be shown on your quarterly statement. Some of the plan s administrative expenses for the preceding quarter may have been paid from the total annual operating expenses of one or more of the plan s designated investment alternatives. Pro Rata: This term refers to the practice of charging a proportion of a fee for a fraction of a unit that the fee applies to. A fee charged for a period of time can be prorated for the actual number of days that the fee applied to in the fee period. A fee charged for a unit (such as a block of shares) can be prorated for the actual number of shares involved. In practice, formulas are sometimes used to approximate or round off the quantities applied to prorated fees. These actual formulas are typically spelled out in the plan documents or prospectus. In the context of an employer-sponsored retirement plan, this term usually refers to the practice of charging fees proportionately across retirement plan participant accounts. In practice, a fee is assessed against a plan participant s account in proportion to the size of his account relative to the size of all other participants accounts in the retirement plan. 1 Fees paid by participants also include any asset or redemption fees noted in the investment performance and operating expenses chart.

22 Notes:

23 Employee Savings & Retirement Plan Recommended Investment Guidelines Family Dollar Stores, Inc. EFFECTIVE July 17, 2014 CAPITAL PRESERVATION ALLOCATION ( points) This Model consists mainly of stable and fixed income Stable 40% Wells Fargo Stable Value Fund N investments. It is designed to protect principal and provide US Fixed 40% PIMCO Total Return Fund A a lower, more consistent return. Growth is not a primary concern. Large Cap Value 7% BlackRock Basic Value Fund Inst Large Cap Growth 7% Mainstay Large Cap Growth I It may be appropriate for investors who: Mid Cap Value 1% JP Morgan Mid Cap Value I Mid Cap Growth 1% Munder Mid Cap Core Growth Y Have only a few years until retirement income is needed. International 2% JP Morgan International Value I Cannot tolerate large swings in value. International 2% Invesco International Growth R5 Are extremely conservative investors. CONSERVATIVE ALLOCATION ( points) This Model concentrates on more stable, income-producing Stable 15% Wells Fargo Stable Value Fund N investments, while adding a diversified equity exposure to help US Fixed 45% PIMCO Total Return Fund A provide some long-term growth. Large Cap Value 11% BlackRock Basic Value Fund Inst Large Cap Growth 11% Mainstay Large Cap Growth I It may be appropriate for investors who: Mid Cap Value 3% JP Morgan Mid Cap Value I Mid Cap Growth 3% Munder Mid Cap Core Growth Y Have less than 9 years until retirement income is needed. International 5% JP Morgan International Value I Prefer income investments, but want some long-term growth. International 5% Invesco International Growth R5 Are cautious, first-time investors. Small Cap Value 1% Goldman Sachs Small Cap Value Instl Small Cap Growth 1% Loomis Sayles Small Cap Growth Instl MODERATE ALLOCATION ( points) Stable 5% Wells Fargo Stable Value Fund N This Model seeks to deliver steady long-term growth by US Fixed 35% PIMCO Total Return Fund A diversifying across growth, income, and stable investments. Large Cap Value 13% BlackRock Basic Value Fund Inst Large Cap Growth 13% Mainstay Large Cap Growth I It may be appropriate for investors who: Mid Cap Value 6% JP Morgan Mid Cap Value I Mid Cap Growth 6% Munder Mid Cap Core Growth Y Have 10 to 15 years before retirement income is needed. International 9% JP Morgan International Value I Are growth-oriented investors that desire to reduce volatility International 9% Invesco International Growth R5 through diversification. Small Cap Value 2% Goldman Sachs Small Cap Value Instl Are willing to accept moderate levels of risk. Small Cap Growth 2% Loomis Sayles Small Cap Growth Instl GROWTH ALLOCATION ( points) This Model seeks to provide long-term growth by diversifying US Fixed 20% PIMCO Total Return Fund A across equity investments with only a small focus on income. Large Cap Value 16% BlackRock Basic Value Fund Inst Large Cap Growth 16% Mainstay Large Cap Growth I It may be appropriate for investors who: Mid Cap Value 8% JP Morgan Mid Cap Value I Mid Cap Growth 8% Munder Mid Cap Core Growth Y Have more than 15 years until retirement income is needed. International 13% JP Morgan International Value I Primarily seek an equity portfolio with broad diversification. International 13% Invesco International Growth R5 Are able to tolerate potential negative periods in the short-term Small Cap Value 3% Goldman Sachs Small Cap Value Instl in an attempt to achieve greater long-term growth. Small Cap Growth 3% Loomis Sayles Small Cap Growth Instl AGGRESSIVE ALLOCATION ( points) This Model focuses entirely on growth through a total exposure Large Cap Value 18% BlackRock Basic Value Fund Inst to equities. It can be volatile, and is generally suited for those with Large Cap Growth 18% Mainstay Large Cap Growth I a high risk-tolerance or a long-time horizon. Mid Cap Value 10% JP Morgan Mid Cap Value I Mid Cap Growth 10% Munder Mid Cap Core Growth Y It may be appropriate for investors who: International 17% JP Morgan International Value I International 17% Invesco International Growth R5 Have more than 20 years until retirement income is needed. Small Cap Value 5% Goldman Sachs Small Cap Value Instl Have extremely high return expectations for their portfolios. Small Cap Growth 5% Loomis Sayles Small Cap Growth Instl Are able to tolerate significant negative returns in their portfolio value in an attempt to achieve maximum long-term growth. Please note that allocation recommendations were not made for the Index Option. The Index Option is passivelyt managed to replicate the performance of the S&P 500 Index. The Models above depict ways to actively control an inestment mix by diversifying across very distinct asset classes. Keep in mind that the Models serve only as a guide and are based on a normal retirement age. Each investor has the ability to customize his/her portfolio to his/her own particular objectives. Securities offered through CapFinancial Partners, LLC. Member FINRA/SIPC.

24 Notes:

25 Terms To Know Asset Allocation The division of one's money among different assets, or dividing your money among stocks, bonds, and stable investments. It relates to the old saying,"don't put all your eggs in one basket." Bonds AnIOUfromagovernmentorcompany.Inexchangeforyoulendingthemmoney, theyissueabondthatpromisestopayyoubackinthefutureplusinterest(calledthe "yield"). Bonds issued by the government are the safest. Compounding The concept that you earn interest on the interest you have already earned. At first, yourmoneygrowsslowly,butastimepasses,yourmoneygrowsmorerapidly.in ordertogainthefullbenefitsofcompounding,youneedtokeepyourmoneyinvested for a prolonged period of time. Diversification Spreading your money among a number of different investments in order to reduce risk. Expense Ratio Theexpenseratioisthepercentageoftotalfundassetsthatisusedtocoverexpenses associatedwiththeoperationofthemutualfund.thisamountistakenoutofthe fund's assets and includes management fees and operating expenses. The management feeisthefeethatischargedtothefundbytheportfoliomanager,anditisoftenafixed percentage. The operating expenses are the expenses that the fund incurs through operation and this can include brokerage fees, taxes, investor services, and interest expenses. Market Capitalization A company's value, determined by multiplying the number of outstanding shares of stock by the current price per share. Companies are broken down by their market capitalization into the following categories: Largecap:$5 billionormore Midcap:$1 billionto$5 billion Smallcap:$50 millionto$1 billion Micro cap: Less than $50 million Mutual Fund A poolofmoneyfromanumberofinvestorsthatisinvestedbyprofessionalmoney managers according to stated investment objectives. Mutual funds invest in a variety of different stocks and/or bonds. Prospectus An informational booklet that a mutual fund offers to investors. Rebalancing Redistributing your current investment mix to match your current financial goals and tolerance for risk. Rate of Return A profit or loss from an investment, typically expressed as a percentage.