ࡱ> OQN'` bjbjLULU 4V.?.?4       48T$488NNN)))+------$ h#Q )))))Q  NNf)d N N+)+  N, P)d|0#T## )))))))QQE>)))))))444D x444x444       (For Use in All States) (This sample Notice is provided to assist the Plan Sponsor in preparing an announcement to their employees. The Notice communicates the tentative 3% safe harbor non-elective contribution. The plan's legal documents control the plan provisions and should be carefully matched with this Notice. This Notice is not intended to serve as a summary plan description. This sample should not be construed as legal advice regarding the establishment or implementation of a tax-qualified retirement program. Plan Sponsors are encouraged to consult with their advisors regarding this information as it relates to their Company.) (Instructions to help you customize this Safe Harbor Notice are included in red. This form can be modified to include your specific plan provisions, or you can create your own document. If you choose to modify this document, be sure to delete the instructions.) (Insert the plan name and number as found in your adoption agreement or basic plan document.) PLAN NAME (401(k) plan) (PS-XXXXX) 2012 SAFE HARBOR 401(k) NOTICE This Notice and your Summary Plan Description provide important information regarding your decision to start, continue, or change your (select one:) elective deferral or pre-tax and Roth 401(k) elective deferral contributions. The Company has adopted a safe harbor contribution structure. The safe harbor contribution structure will not affect the amount you are permitted to defer. TENTATIVE SAFE HARBOR NON-ELECTIVE CONTRIBUTION For the 2012 plan year the Company may decide to provide the following contribution: A safe harbor non-elective contribution equal to 3% of your plan year compensation regardless of whether you make (select one:) elective deferral or pre-tax or Roth 401(k) elective deferral contributions to the 401(k) plan. For example, assume you earn $40,000 in compensation during the plan year. You elect not to make an elective deferral into the 401(k) plan. If the Company decides to make the safe harbor contribution, you will receive a contribution equal to $1,200.00 ($40,000 x 3%). You are not required to make (select one:) elective deferral or pre-tax or Roth 401(k) elective deferral contributions to the 401(k) plan to receive this safe harbor non-elective contribution. The Company will decide whether or not to make this contribution on or before 30 days prior to the end of the plan year. When the Company decides whether or not to make this contribution, you will be notified. ELIGIBILITY FOR THIS SAFE HARBOR NON-ELECTIVE CONTRIBUTION If the Company decides to make the safe harbor non-elective contribution and you are otherwise eligible to make (select one:) elective deferral or pre-tax or Roth 401(k) elective deferral contributions to the 401(k) plan, you will receive a safe harbor non-elective contribution. You will not be required to make (select one:) elective deferral or pre-tax or Roth 401(k) elective deferral contributions, work a certain number of hours during the plan year or be employed on the last day of the plan year to receive a safe harbor non-elective contribution. ADDITIONAL EMPLOYER CONTRIBUTIONS This safe harbor non-elective contribution will be in addition to any other contributions made to the 401(k) plan. You may be eligible to receive both this safe harbor non-elective contribution and additional contributions, if any. Please refer to your Summary Plan Description for an example of these contributions, how the allocation formulas work, and who is eligible to receive these contributions. COMPENSATION The amount of your compensation considered for this safe harbor non-elective contribution is the same compensation that the plan uses for other contribution purposes. See your Summary Plan Description for additional information regarding the 401(k) plans definition of compensation. VESTING Any safe harbor non-elective contribution will always be 100% vested. The plans existing vesting schedule(s) will continue to apply to all other employer contributions made to the plan. The following vesting schedule(s) applies to all other employer contributions: (Insert the vesting schedule(s), or you may choose to copy the entire vesting section from your Summary Plan Description.) WITHDRAWAL RESTRICTIONS (Include if in-service distributions are allowed from the plan) The safe harbor non-elective contribution described above may not be withdrawn for any reason until you terminate employment or attain age 59. (Include if in-service distributions are allowed only for hardship events) Generally, the safe harbor non-elective contribution described above may not be withdrawn until you terminate employment. You may not withdraw the safe harbor non-elective contribution as a hardship distribution. (Include if in-service and hardship distributions are allowed from the plan) The safe harbor non-elective contribution described above may not be withdrawn until you terminate employment or attain age 59. You may not withdraw the safe harbor non-elective contribution as a hardship distribution. (In addition to including one of the above paragraphs, insert information regarding the withdrawal provisions that apply to all other contributions permitted in the plan including pre-tax and Roth elective deferrals. You may want to copy the applicable sections from your current Summary Plan Description.) ADMINISTRATIVE PROCEDURES You may start or change your salary deferral election for the 2012 plan year by completing a new salary deferral agreement and returning it to the 401(k) Plan Administrator. You may start or change your salary deferral election at any time during the next 30 days, and ____________________________________ during the plan year. (Insert dates during the plan year when deferral elections can change; i.e., daily, monthly) Please refer to your Summary Plan Description or contact your 401(k) Plan Administrator for additional information. Insert Plan Administrator Name, address (you may include email address), and phone number for additional information.     PAD0910-0602 EMBC1009-679  PAGE 1 &,GHLMT8 > E K d иvv^I)hc6B*CJOJQJ^JaJhph/hmWh3 6B*CJOJQJ^JaJhph)h3 6B*CJOJQJ^JaJhph/hIhI6B*CJOJQJ^JaJhph)hI6B*CJOJQJ^JaJhph/hIhne6B*CJOJQJ^JaJhph,hIhne6B*CJOJQJ^JaJph/hIhne56B*CJOJQJ^JaJph    0 1 89 $@&a$gdUJ@&gdQgdQ $ Ha$gdQ $ H@&a$gdQ$a$gdEe$a$gdEe    {  ? @ ҽҽҎwcwLw5w,hIh6B*CJOJQJ^JaJph,hIh,a6B*CJOJQJ^JaJph&hc6B*CJOJQJ^JaJph,hIhne6B*CJOJQJ^JaJph,hIhneB*CJOJQJ^JaJhph/hIhI6B*CJOJQJ^JaJhph)hI6B*CJOJQJ^JaJhph/hIhne6B*CJOJQJ^JaJhph)h "r6B*CJOJQJ^JaJhph        rrZ?4hC3Jh1EB*CJOJQJ^JaJmHnHphu.hIhne5CJOJQJ^JaJmHnHu1hIhne5CJOJQJ\^JaJmHnHu hI5CJOJQJ\^JaJ hf.5CJOJQJ\^JaJ&hmWhne5CJOJQJ\^JaJ&hIhne5CJOJQJ\^JaJ,hIhne6B*CJOJQJ^JaJph&hf6B*CJOJQJ^JaJph     " ( ) 6 < ͼ~`E&E=hIh:56>*B*CJOJQJ^JaJmHnHphu4hIh:B*CJOJQJ^JaJmHnHphu:hIh:56B*CJOJQJ^JaJmHnHphuhICJOJQJ^JaJhmWCJOJQJ^JaJ hmWhneCJOJQJ^JaJ hIhneCJOJQJ^JaJ hIh1ECJOJQJ^JaJ.hVZRB*CJOJQJ^JaJmHnHphu4hC3Jhf.B*CJOJQJ^JaJmHnHphu Ծu`E*4hC3Jhf.B*CJOJQJ^JaJmHnHphu4hC3Jh1EB*CJOJQJ^JaJmHnHphu(h3 5CJOJQJ^JaJmHnHu.hmWh3 5CJOJQJ^JaJmHnHu.hIhne5CJOJQJ^JaJmHnHu1hIhne5CJOJQJ\^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu hIhneCJOJQJ^JaJ4hmWh:B*CJOJQJ^JaJmHnHphu FGSTͷxZ?)?+hmWh:CJOJQJ^JaJmHnHu4hIh:B*CJOJQJ^JaJmHnHphu:hIh:56B*CJOJQJ^JaJmHnHphu/hIhQ6B*CJOJQJ^JaJhph&hmWhQ6CJOJQJ^JaJh%h3 CJOJQJ^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu4hIh1EB*CJOJQJ^JaJmHnHphu.hVZRB*CJOJQJ^JaJmHnHphu ŪŏtcM7!+hIhneCJOJQJ^JaJmHnHu+hmWhCCJOJQJ^JaJmHnHu+hIh:CJOJQJ^JaJmHnHu hIh:CJOJQJ^JaJ4hmWhf.B*CJOJQJ^JaJmHnHphu4hmWh:B*CJOJQJ^JaJmHnHphu4hIhomuB*CJOJQJ^JaJmHnHphu4hIh:B*CJOJQJ^JaJmHnHphu=hIh:56>*B*CJOJQJ^JaJmHnHphu   |FSTUef֗y^H2^+hmWh:CJOJQJ^JaJmHnHu+hmWhVCJOJQJ^JaJmHnHu4hIh:B*CJOJQJ^JaJmHnHphu:hIh:56B*CJOJQJ^JaJmHnHphu+hIh1ECJOJQJ^JaJmHnHu%hICJOJQJ^JaJmHnHu+hmWhneCJOJQJ^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu%hCCJOJQJ^JaJmHnHufhipqsyůŔyhZD.+hIhneCJOJQJ^JaJmHnHu+hmWhQCJOJQJ^JaJmHnHuhCCJOJQJ^JaJ hIh:CJOJQJ^JaJ4hmWh:B*CJOJQJ^JaJmHnHphu4hIhomuB*CJOJQJ^JaJmHnHphu+hmWh:CJOJQJ^JaJmHnHu4hIh:B*CJOJQJ^JaJmHnHphu=hIh:56>*B*CJOJQJ^JaJmHnHphu m[L4.hmWhQ5CJOJQJ^JaJmHnHuh3 5CJOJQJ^JaJ#hIhne5CJOJQJ^JaJ%h~*CJOJQJ^JaJmHnHu&hmWhQ6CJOJQJ^JaJh+hmWh~*CJOJQJ^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu+hIh1ECJOJQJ^JaJmHnHu%hICJOJQJ^JaJmHnHu+hmWhneCJOJQJ^JaJmHnHu )*LM67" $  a$gdEe $@&a$gdUJ$a$gdEe*+7DIlyzȲuWF5F hmWhneCJOJQJ^JaJ hIh1ECJOJQJ^JaJ:hIhF56B*CJOJQJ^JaJmHnHphu+hIhECJOJQJ^JaJmHnHu&hmWhQ6CJOJQJ^JaJh%h3 CJOJQJ^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu hIhneCJOJQJ^JaJ#hIhne5CJOJQJ^JaJ(hQ5CJOJQJ^JaJmHnHu ϾϭϜxgYK7&hmWhQ6CJOJQJ^JaJhh3 CJOJQJ^JaJhICJOJQJ^JaJ hmWhneCJOJQJ^JaJhCCJOJQJ^JaJ+hmWhQCJOJQJ^JaJmHnHu hIhneCJOJQJ^JaJ hmWh1ECJOJQJ^JaJ hmWhVCJOJQJ^JaJ hIh1ECJOJQJ^JaJ=hIhF56>*B*CJOJQJ^JaJmHnHphu156CDUVXY`ipvWAA.%hCCJOJQJ^JaJmHnHu+hmWh1ECJOJQJ^JaJmHnHu=hIhF56>*B*CJOJQJ^JaJmHnHphu+hmWhneCJOJQJ^JaJmHnHu:hIhF56B*CJOJQJ^JaJmHnHphu+hIh1ECJOJQJ^JaJmHnHu+hIhneCJOJQJ^JaJmHnHu hIhneCJOJQJ^JaJ/hIhQ6B*CJOJQJ^JaJhph ()*K]ӽkU='+hIh>]CJOJQJ^JaJmHnHu.hIh>]5CJOJQJ^JaJmHnHu+hIhcCJOJQJ^JaJmHnHu&hmWhQ6CJOJQJ^JaJhh3 CJOJQJ^JaJh~*CJOJQJ^JaJ hmWh~*CJOJQJ^JaJ hIhneCJOJQJ^JaJ+hIhneCJOJQJ^JaJmHnHu+hmWhneCJOJQJ^JaJmHnHu+hmWhQCJOJQJ^JaJmHnHu]^j01=¬™ˆvh؈WIvhICJOJQJ^JaJ hmWh>]CJOJQJ^JaJh3 CJOJQJ^JaJ#hIh>]5CJOJQJ^JaJ hIh>]CJOJQJ^JaJ%hICJOJQJ^JaJmHnHu+hmWh>]CJOJQJ^JaJmHnHu+hIh>]CJOJQJ^JaJmHnHu&hmWhQ6CJOJQJ^JaJh%h3 CJOJQJ^JaJmHnHu(45?^"tbQ9/hIh:56B*CJOJQJ^JaJph hIh7CJOJQJ^JaJ#hIh75CJOJQJ^JaJ hIh>]CJOJQJ^JaJ/hIh:56B*CJOJQJ^JaJph)hIhB*CJOJQJ^JaJph#hcB*CJOJQJ^JaJph#h3 B*CJOJQJ^JaJph&hmWhQ6CJOJQJ^JaJh)hIh:B*CJOJQJ^JaJphstƯ{cN]CJOJQJ^JaJ hIh1ECJOJQJ^JaJ.hVZRB*CJOJQJ^JaJmHnHphu4hC3Jhf.B*CJOJQJ^JaJmHnHphu4hC3Jh1EB*CJOJQJ^JaJmHnHphu#hIh>]5CJOJQJ^JaJ hIh>]CJOJQJ^JaJ)hIh>]B*CJOJQJ^JaJph/hIh:56B*CJOJQJ^JaJph,hIh:5B*CJOJQJ^JaJph 2VWlmnoԿxxx`H`*:hIhc56B*CJOJQJ^JaJmHnHphu/hIhF56B*CJOJQJ^JaJph/hIh1E56B*CJOJQJ^JaJph/hIh:56B*CJOJQJ^JaJph/hIhc56B*CJOJQJ^JaJph,hIhc5B*CJOJQJ^JaJph)hIhcB*CJOJQJ^JaJph)hIhcB*CJOJQJ^JaJph,hIhc5B*CJOJQJ^JaJph =>?@ضإu`XTXTXTXT?)hEehmWB*CJOJQJ^JaJphhPjhPU)hIhLGB*CJOJQJ^JaJph/hIh0?56B*CJOJQJ^JaJph/hIhc56B*CJOJQJ^JaJph hIhT CJOJQJ^JaJ hIh:CJOJQJ^JaJ hmWh>]CJOJQJ^JaJ hIh>]CJOJQJ^JaJ+hIhcCJOJQJ^JaJmHnHuԿԈs)hIhLGB*CJOJQJ^JaJphhPhEehmWCJOJQJ^J%hVZR0JCJOJQJ^JmHnHu hEehmW0JCJOJQJ^J)jhEehmW0JCJOJQJU^JhmW)hEehmWB*CJOJQJ^JaJph#hmWB*CJOJQJ^JaJph$a$gdEe$a$gdEe21h:pEe/ =!"#$% D@D >]Normal1$CJ_HhmH sH tH DA@D Default Paragraph FontRiR  Table Normal4 l4a (k(No List8>@8 >]Title$ Ha$544 Header  !4 @4 Footer  !.)@!.  Page NumberH2H 1E Balloon TextCJOJQJ^JaJVYBV UJ Document Map-D M CJOJQJ^JV0189 ) * L M 6 7 " #$m?@00000000000000000000000000 00 00w 00w 0w 0w 00600600i0i0i0i000000000000c00c0c00c0c0@000@000@000@000@0@0@00080189 ) * L M 6 7 " #$m?@0000000000000000000000000000000000000000000000000000000000000 00@0@0@0@0@0@0 00 3336  f]2 !"#$&'()%*'.06!8@0(  B S  ? 93() p p ef()TTTUiiz z D D Y Y p p k k sseedf]\fb+lEG T +fX""@Tv}+'C.f.7=#>0?x?,@1EEUJC3J*M|QVZRFSv2VmWI0XHC]T^,agJacfCh "rFsomuxt|x}~LG3^8,EQ">Ee^f6>] (9HQV5 C-6F==I[fjz~*P3 :hX7fcj(nej5@X>`@UnknownGz Times New Roman5Symbol3& z Arial5& zaTahoma"1h,Fj& -&- +- +!4d2qHP ?>](For Use in All States)PWMC1TMCLincoln Financial GroupOh+'0  ,8 X d p |(For Use in All States) PWMC1TMC Normal.dotLincoln Financial Group4Microsoft Office Word@G@F@oNu@;)-՜.+,0 hp  Lincoln Financial Group+ ' (For Use in All States) Title  !"#$%&'()*+-./0123456789:;<=?@ABCDEGHIJKLMPRoot Entry F%)R1Table,#WordDocument4VSummaryInformation(>DocumentSummaryInformation8FCompObjq  FMicrosoft Office Word Document MSWordDocWord.Document.89q