ABC Company 401(k) Savings Plan

Eligibility Requirements:

Effective Date:

Enrollment Dates:

Your Contributions:

Employer Contributions:

For each $1.00 that you contribute, up to 10% of your compensation, your employer will contribute 15% of your eligible earnings up to the first $10,000. The maximum annual amount of your employer's match is $10,000. Your Employer may match a percentage of your salary deferral contribution to be determined each year. To be eligible to receive matching contributions, employees must meet the following criteria:

The following groups of employees will be excluded:

Profit Sharing:

Your employer may make a discretionary annual profit sharing contribution of 5% of your salary on your behalf. To be eligible to receive profit sharing contributions, employees must meet the following criteria:

Vesting:

Vesting refers to the rate at which you receive ownership in employer contributions. You are always 100% vested in the value of your own salary deferral contributions and any earnings on those contributions.

Your employer offers immediate vesting of its matching contributions.

Your employer's matching contributions become vested at the following rate:

Borrowing Money From Your Account:

You may borrow money from your account. The minimum loan amount is $1,000. The minimum number of loans permitted at any one time is 2. The maximum amount you may borrow is ½ of your vested balance up to the maximum of $50,000.

Loans are only available in the event of a financial hardship

Loans may only be taken from amounts contributed through salary deferral.

Withdrawing Money From Your Account:

You are permitted to receive distributions from your account in the following circumstances:

Investment Direction:

Questions:

Your plan administrator is EmJay Corporation. The phone number is: (800)644-8112 The e-mail address is:401kinfo@emjay.com.

Your Human Resources contact is Sara Freedman, ABC Company. The phone number is: (610)744-7223

Your Investment Choices:

Aggressive:

Fund Facts:

Millennium Large Cap Growth Fund
Objective: To achieve long term capital appreciation through investment in well-managed, high quality domestic companies with considerable growth potential.
Investment Strategy: To pursue high-quality growth companies at a reasonable price. Management typically holds a majority of assets in the common stocks of companies in at least six different countries, in an effort to maintain diversity.
Asset Manager: Millennium
Total Net Assets: $321 Million

Millennium Technology Fund
Objective: Long-term capital appreciation by investing principally in stocks of companies that provide high-tech products or services.
Investment Strategy: : Management uses a fundamental, bottom-up approach in stock selection, seeking companies whose particular business allows them to continue to grow earnings in spite of a sluggish economy.
Asset Manager: Millennium
Total Net Assets: $637 Million

Millennium Small Cap Fund B
Objective: Long-term capital appreciation by investing principally in stocks of companies that provide high-tech products or services.
Investment Strategy: Management uses a fundamental, bottom-up approach in stock selection, seeking companies whose particular business allows them to continue to grow earnings in spite of a sluggish economy.
Asset Manager: Millennium
Total Net Assets: $637 Million

Millennium Corporate Bond A
Objective: Seeks maximum long-term income and reasonable safety of principal, with capital appreciation as a secondary consideration.
Investment Strategy: Management seeks this objective through investments in US corporate bonds, US Government securities and foreign debt obligations, emphasizing corporate bonds that it believes are likely candidates for credit-quality upgrades.
Asset Manager: Millennium
Total Net Assets: $510 Million

Millennium PA Housing Bond Fund D
Objective: High income, consistent with capital preservation.
Investment Strategy: The fund seeks this goal by investing in long-term fixed-income obligations, including corporate debt securities, US and Canadian government obligations and commercial paper.
Asset Manager: Millennium
Total Net Assets: $130 Million

Millennium CA Muni Bond Fund A
Objective:Seeks maximum long-term income and reasonable safety of principal, with capital appreciation as a secondary consideration.
Investment Strategy: Management seeks this objective through investments in US corporate bonds, US Government securities and foreign debt obligations, emphasizing corporate bonds that it believes are likely candidates for credit-quality upgrades.
Asset Manager: Millennium
Total Net Assets: $510 Million

Millennium Treasury Bill Portfolio
Objective: Seeks current income consistent with safety and liquidity of shareholder capital.
Investment Strategy: Management keeps the fund in a laddered maturity structure and generally has the portfolio diversified among five or six different issues. By charter, the fund's average length to maturity must be 90 days or less. The fund is very similar to a money market instrument and is differentiated primarily by its fluctuating net asset value.
Asset Manager: Millennium
Total Net Assets: $92 Million

Millennium ST US Treasury
Objective: To generate income, while preserving principal and liquidity.
Investment Strategy: The objective is achieved by investing all the fund's assets in US Treasury securities including Treasury bills, notes and bonds which are backed by the full faith and credit of the US Government.
Asset Manager: Millennium
Total Net Assets: $241 Million

ABC Company Stock
See your Plan Administrator for a company prospectus.