Retirement Savings Account Finformation Eligible employees working 19

Retirement Savings Account “Fin-formation” Eligible employees working 19. 2 hours or more per week can contribute to a Safe Harbor 401 k with matching contributions up to 10% after one (1) year of employment at NSU! Employee contributes 0% Employee contributes 1% Employee contributes 2% Employee contributes 3% Employee contributes 4% There are two investment providers at NSU, TIAA and Valic. Employees can enroll or make changes to contributions, schedule individual advisory sessions, and access valuable financial education by visiting the Retirement Plans section of the Benefits website at www. nova. edu/hr/benefits/retirement-plans Enrollment Instructions

Home 1% If you contribute 0% of your salary after 1 year… Total NSU additional contribution 2% NSU Safe Harbor Match of 3% NSU basic contribution of 4% Employee contribution is 2% + (vested after 3 years) 0% + match of 0% = 2% TOTAL RETIREMENT SAVINGS 2%

0% Home If you contribute 1% of your salary after 1 year… Total NSU additional contribution 2% NSU Safe Harbor Match of 3% NSU basic contribution of 4% Employee contribution is 2% + (vested after 3 years) 1% + (vested immediately) match of 1% = (vested after 3 years) 5% TOTAL RETIREMENT SAVINGS 4%

0% If you contribute 2% of your salary after 1 year… 1% Total NSU additional contribution Home NSU Safe Harbor Match of 3% NSU basic contribution of 4% Employee contribution is 2% + (vested after 3 years) 2% + (vested immediately) match of 2% = (vested after 3 years) 8% TOTAL RETIREMENT SAVINGS 6%

0% If you contribute 3% of your salary after 1 year… 1% Total NSU additional contribution 2% NSU Safe Harbor Match of Home NSU basic contribution of 4% Employee contribution is 2% + (vested after 3 years) 3% + (vested immediately) match of 3% = (vested after 3 years) 8% 11% TOTAL RETIREMENT SAVINGS

0% If you contribute 4% of your salary after 1 year… 1% Total NSU additional contribution 2% NSU Safe Harbor Match of 3% NSU basic contribution of Home Employee contribution is 2% + (vested after 3 years) 4% + (vested immediately) match of 4% = (vested after 3 years) 10% 14% TOTAL RETIREMENT SAVINGS