Transfers Among Investment Options

Participants can transfer existing fund balances among any of the investment options on a daily basis except as previously noted. Note: Transfers may be subject to restrictions set forth in the trust and Program Disclosure Document. Transfers are based on the net asset value of each fund.

A transfer of funds does not affect the way in which future contributions are invested. Participants can transfer funds by accessing the website at www.abaretirement.com, or by calling the Customer Service Center at 800.348.2272. Please note that Roth 401(k) contributions cannot be transferred to SDBA unless a separate SDBA has been opened solely for Roth 401(k) contributions and earnings.

Transfers from the Plan to an SDBA

Information about transfers from the core investment options to an SDBA is included under “Opening an SDBA.”