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ADVANTAGES OF STARTING YOUNG
                          (EXAMPLES OF HOW YOUR 401(k) PLAN WORKS FOR YOU)

10 Percent Employee Contribution

Age 65 Values

Weekly

Weekly

Weekly

If Your Current Age Is

Annual

Total

Take Home

Tax

Income

Invested

Reduction

Savings

Age 25

Age 35

Age 45

Age 55

15,000

28.85

24.52

4.33

436,376

186,295

73,628

22,868

20,000

38.46

32.70

5.76

581,835

248,393

98,170

30,491

25,000

48.08

40.86

7.22

727,293

310,492

122,713

38,114

30,000

57.69

49.03

8.66

872,752

372,590

147,255

45,737

35,000

67.31

50.50

16.81

1,018,211

434,688

171,798

53,359

40,000

76.92

55.38

21.54

1,163,669

498,786

196,340

60,982

45,000

86.54

62.30

24.24

1,309,128

558,885

220,883

68,605

50,000

96.15

69.24

26.91

1,454,587

620,983

245,425

76,228

ASSUMPTIONS:

1. Tax savings are based on historical Federal Income Tax rates assuming employee is married with two dependents.
2. Values at Age 65 assume 8 percent interest compounded monthly assuming deposits are monthly.

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