SUPER CENTER CONCEPTS, INC. 401(K) PLAN Contribution & Employer Match

SUPER CENTER CONCEPTS, INC. 401(K) PLAN Average Participant Retirement Account Value

SUPER CENTER CONCEPTS, INC. 401(K) PLAN Estimated Average Employee Contribution Amount

• Each year, participants may contribute up to 90 percent of their pretax compensation as defined by the Plan and subject to Internal Revenue Code (IRC) limitations.
• The Plan includes an automatic enrollment provision that all newly eligible employees are automatically enrolled at a deferral rate of one percent of eligible compensation, increasing by one percent each year up to a maximum of five percent of compensation, unless they elect otherwise.
• Participants who have attained age 50 before the end of the Plan year are eligible to make catch-up contributions.

• The Company matched each participant’s deferral at the rate of 50 percent of the first four percent of the participant’s deferral.

• Participants are immediately vested in their contributions and prior Company safe harbor matching contributions, plus actual earnings thereon.
• Vesting in the Company’s discretionary contribution portion of their accounts is based on years of service.
• Participants are vested in Company discretionary contributions at 20 percent after two years of service, and an additional 20 percent each year thereafter until 100 percent vested upon six years of service.
• While still employed by the Company, if a participant becomes disabled, dies or reaches normal retirement age, the participant becomes 100 percent vested.