<PLAN NAME> RETIREMENT PLAN
QUALIFIED DEFAULT INVESTMENT ALTERNATIVE (QDIA)
REQUIRED ANNUAL [or] INITIAL PARTICIPANT NOTICE
[Note to employer:
1. This notice should be printed on your company letterhead and distributed to the appropriate
participants in your plan.
2. This notice has been provided as a sample only. When completing for your plan, please be sure
that you add information that is accurate and appropriate to your specific plan. Only retain the
sample alternatives if these are applicable to your plan. ]
Purpose of this notice
<ER Name> maintains the <Plan Name> to help you attain financial security during your retirement
years. As a participant, you decide how your retirement plan dollars will be invested in the designated
investment alternatives available in the plan. If you do not make an investment election, your
contributions will be invested in the Qualified Default Investment Alternative (QDIA).
This Qualified Default Investment Alternative (QDIA) Participant Notice:
1. describes when the QDIA is used;
2. provides details regarding the QDIA selected;
3. outlines your right to direct the investment of your plan dollars to other investments available in the
plan or to elect not to have contributions withheld from your pay, if applicable; and
4. explains how you can obtain additional information regarding those additional investment
alternatives.
Keep this disclosure with your Summary Plan Description and other retirement plan documents.
When the default fund will be used
You can invest your plan dollars in any of the investment alternatives available in your plan. In the
absence of an investment election, your future contributions will be invested in the plan’s QDIA under
any of the following circumstance(s):
 You have made a salary reduction election without an investment election;
 An employer discretionary contribution has been made on your behalf but you have not provided
an investment election;
 The plan contains an automatic enrollment feature and you did not make an investment election
during the notice period. Therefore, <xx>% of your eligible compensation will be contributed to the
plan as an elective contribution. You have the right to elect not to have such automatic
contributions made to the plan on your behalf and the right to elect to have such automatic
contributions made at a different percentage. Please contact the Plan Administrator for more
information.
 If the asset allocation you complete on your enrollment form does not equal 100% or if you choose
an investment option that is not available in the plan, all of your contributions will be invested in the
QDIA.
If assets in your plan account are invested in the plan’s QDIA, you can direct the investment of those
assets to any other designated investment alternative under the plan. Please note, ongoing
investment and account fees may apply. Please see “Investment Elections” for more information on
making investment elections.
Sample QDIA Notice
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The QDIA for your plan as of <date>, is:
[Note to employer: Include QDIA investment description of investment option selected. If a
target date series is selected, include description of all five funds]
< LVIP Managed Risk Target Maturity investment options – The following five LVIP Managed Risk
Target Maturity investment options are designed for investors planning to retire close to the year
indicated in the name of the fund. If the date of birth is not provided, defaulted contributions will be
invested in the Federated Government Ultrashort Duration investment option until the missing
information is received. Upon receipt, the participant’s future investment allocations will be directed to
the age-appropriate LVIP Managed Risk Target Maturity investment option. The participant’s
accumulated balance will remain in the Federated Government Ultrashort Duration investment option
until the participant transfers the balance by accessing their account via the web or by calling the
Customer Contact Center.
 LVIP Managed Risk Profile 2010 (SAL1) – The LVIP Managed Risk Profile 2010 is designed for
investors with a birth year before 1947. The Fund seeks the highest total return over time with an
increased emphasis on capital preservation as the target date approaches. Thereafter, an
emphasis will be placed on high current income with a secondary focus on capital appreciation.
Lincoln Investment Advisors Corporation is the advisor for the account. The current target
allocation for LVIP Managed Risk Profile 2010 includes investing approximately 52% of its assets
in underlying funds which invest primarily in fixed-income securities and approximately 48% in
underlying funds which invest primarily in equity securities. The Fund will change over time,
becoming more conservative as you approach retirement age. There is a 0.20%* annual
investment management fee assessed on assets and a 0.73%* underlying mutual fund fee.
 LVIP Managed Risk Profile 2020 (SAL2) – The LVIP Managed Risk Profile 2020 is designed for
investors with a birth year between 1947 and 1957. The Fund seeks the highest total return over
time with an increased emphasis on capital preservation as the target date approaches.
Thereafter, an emphasis will be placed on high current income with a secondary focus on capital
appreciation. Lincoln Investment Advisors Corporation is the advisor for the account. The current
target allocation for LVIP Managed Risk Profile 2020 includes investing approximately 55% of its
assets in underlying funds which invest primarily in equity securities and approximately 45% in
underlying funds which invest primarily in fixed-income securities. The Fund will change over time,
becoming more conservative as you approach retirement age. There is a 0.20%* annual
investment management fee assessed on assets and a 0.72%* underlying mutual fund fee.
 LVIP Managed Risk Profile 2030 (SAL3) – The LVIP Managed Risk Profile 2030 is designed for
investors with a birth year between 1958 and 1967. The Fund seeks the highest total return over
time with an increased emphasis on capital preservation as the target date approaches.
Thereafter, an emphasis will be placed on high current income with a secondary focus on capital
appreciation. Lincoln Investment Advisors Corporation is the advisor for the account. The current
target allocation for LVIP Managed Risk Profile 2030 includes investing approximately 70% of its
assets in underlying funds which invest primarily in equity securities and approximately 30% in
underlying funds which invest primarily in fixed-income securities. The Fund will change over time,
becoming more conservative as you approach retirement age. There is a 0.20%* annual
investment management fee assessed on assets and a 0.73%* underlying mutual fund fee.
 LVIP Managed Risk Profile 2040 (SAL4) – The LVIP Managed Risk Profile 2040 is designed for
investors with a birth year between 1968 and 1977. The Fund seeks the highest total return over
time with an increased emphasis on capital preservation as the target date approaches.
Thereafter, an emphasis will be placed on high current income with a secondary focus on capital
appreciation. Lincoln Investment Advisors Corporation is the advisor for the account. The current
target allocation for LVIP Managed Risk Profile 2040 includes investing approximately 79% of its
assets in underlying funds which invest primarily in equity securities and approximately 21% in
underlying funds which invest primarily in fixed-income securities. The Fund will change over time,
Sample QDIA Notice
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becoming more conservative as you approach retirement age. There is a 0.20%* annual
investment management fee assessed on assets and a 0.75%* underlying mutual fund fee.
 LVIP Managed Risk Profile 2050 (SALL) – The LVIP Managed Risk Profile 2050 is designed for
investors with a birth year of 1978 and after. The Fund seeks the highest total return over time with
an increased emphasis on capital preservation as the target date approaches. Thereafter, an
emphasis will be placed on high current income with a secondary focus on capital appreciation.
Lincoln Investment Advisors Corporation is the advisor for the account. The current target
allocation for LVIP Managed Risk Profile 2050 includes investing approximately 92% of its assets
in underlying funds which invest primarily in equity securities and approximately 8% in underlying
funds which invest primarily in fixed-income securities. The Fund will change over time, becoming
more conservative as you approach retirement age. There is a 0.20%* annual investment
management fee assessed on assets and a 0.74%* underlying mutual fund fee. >
< Vanguard Target Retirement investment options – The following five Vanguard Target
Retirement investment options are designed for investors planning to retire close to the year indicated
in the name of the fund. If the date of birth is not provided, defaulted contributions will be invested in
the Federated Government Ultrashort Duration investment option until the missing information is
received. Upon receipt, the participant’s future investment allocations will be directed to the ageappropriate Vanguard Target Retirement investment option. The participant’s accumulated balance
will remain in the Federated Government Ultrashort Duration investment option until the participant
transfers the balance by accessing their account via the web or by calling the Customer Contact
Center.

Vanguard Target Retirement 2010 Fund (SAV1) – Participants with a birth year prior to 1955
will be defaulted into the Vanguard Target Retirement 2010 Fund. Vanguard Target Retirement
2010 seeks to provide capital appreciation and current income consistent with its current asset
allocation. The Fund invests in other Vanguard mutual funds according to an asset allocation
strategy designed for investors planning to retire and leave the work force in or within a few years
of 2010 (the target year). The Fund is designed for an investor who plans to withdraw the value of
an account in the Fund over a period of many years after the target year. The Fund’s asset
allocation will become more conservative over time, meaning that the percentage of assets
allocated to stocks will decrease while the percentage of assets allocated to bonds and other
fixed income investments will increase. Within seven years after 2010, the Fund’s asset allocation
should become similar to that of the Target Retirement Income Fund. The targeted percentage of
the Fund’s assets allocated to each of the underlying funds is Vanguard Total Bond Market II
Index Fund 36.5%, Vanguard Total Stock Market Index Fund 26.5%, Vanguard Total International
Stock Index Fund 10.8%, and Vanguard Short-Term Inflation-Protected Securities Index Fund
13.6%, Vanguard Total International Bond Index Fund 12.6%. The fund does not employ an
investment advisor, but benefits from the investment advisory services of the underlying
Vanguard Funds in which it invests. There is a 0.52% * annual investment management fee
assessed on assets and a 0.16%* underlying mutual fund fee.

Vanguard Target Retirement 2020 Fund (SAV2) – Participants with a birth year between 1955
and 1964 will be defaulted into the Vanguard Target Retirement 2020 Fund. Vanguard Target
Retirement 2020 seeks to provide capital appreciation and current income consistent with its
current asset allocation. The Fund invests in other Vanguard mutual funds according to an asset
allocation strategy designed for investors planning to retire and leave the work force in or within a
few years of 2020 (the target year). The Fund is designed for an investor who plans to withdraw
the value of an account in the Fund over a period of many years after the target year. The Fund’s
asset allocation will become more conservative over time, meaning that the percentage of assets
allocated to stocks will decrease while the percentage of assets allocated to bonds and other
fixed income investments will increase. Within seven years after 2020, the Fund’s asset allocation
should become similar to that of the Target Retirement Income Fund. The targeted percentage of
the Fund’s assets allocated to each of the underlying funds is Vanguard Total Stock Market Index
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Fund 43.0%, Vanguard Total Bond Market II Index Fund 31.4%, Vanguard Total International
Stock Index Fund 17.7%, and Vanguard Total International Bond Index Fund 7.9%. The fund
does not employ an investment advisor, but benefits from the investment advisory services of the
underlying Vanguard Funds in which it invests. There is a 0.52%* annual investment
management fee assessed on assets and a 0.16%* underlying mutual fund fee.

Vanguard Target Retirement 2030 Fund (SAV3) – Participants with a birth year between 1965
and 1974 will be defaulted into the Vanguard Target Retirement 2030 Fund. Vanguard Target
Retirement 2030 seeks to provide capital appreciation and current income consistent with its
current asset allocation. The Fund invests in other Vanguard mutual funds according to an asset
allocation strategy designed for investors planning to retire and leave the work force in or within a
few years of 2030 (the target year). The Fund is designed for an investor who plans to withdraw
the value of an account in the Fund over a period of many years after the target year. The Fund’s
asset allocation will become more conservative over time, meaning that the percentage of assets
allocated to stocks will decrease while the percentage of assets allocated to bonds and other
fixed income investments will increase. Within seven years after 2030, the Fund’s asset allocation
should become similar to that of the Target Retirement Income Fund. The targeted percentage of
the Fund’s assets allocated to each of the underlying funds is Vanguard Total Stock Market Index
Fund 53.3%, Vanguard Total International Stock Index Fund 22.3%, Vanguard Total Bond Market
II Index Fund 19.5%, and Vanguard Total International Bond Index Fund 4.9%. The fund does not
employ an investment advisor, but benefits from the investment advisory services of the
underlying Vanguard Funds in which it invests. There is a 0.51%* annual investment
management fee assessed on assets and a 0.17%* underlying mutual fund fee.

Vanguard Target Retirement 2040 Fund (SAV4) – Participants with a birth year between 1975
and 1984 will be defaulted into the Vanguard Target Retirement 2040 Fund. Vanguard Target
Retirement 2040 seeks to provide capital appreciation and current income consistent with its
current asset allocation. The Fund invests in other Vanguard mutual funds according to an asset
allocation strategy designed for investors planning to retire and leave the work force in or within a
few years of 2040 (the target year). The Fund is designed for an investor who plans to withdraw
the value of an account in the Fund over a period of many years after the target year. The Fund’s
asset allocation will become more conservative over time, meaning that the percentage of assets
allocated to stocks will decrease while the percentage of assets allocated to bonds and other
fixed income investments will increase. Within seven years after 2040, the Fund’s asset allocation
should become similar to that of the Target Retirement Income Fund. The targeted percentage of
the Fund’s assets allocated to each of the underlying funds is Vanguard Total Stock Market Index
Fund 63.2%, Vanguard Total International Stock Index Fund 26.8%, Vanguard Total Bond Market
II Index Fund 8.0%, and Vanguard Total International Bond Index Fund 2.0%. The fund does not
employ an investment advisor, but benefits from the investment advisory services of the
underlying Vanguard Funds in which it invests. There is a 0.50%* annual investment
management fee assessed on assets and a 0.18%* underlying mutual fund fee.

Vanguard Target Retirement 2050 Fund (SAV5) – Participants with a birth year of 1985 or after
will be defaulted into the Vanguard Target Retirement 2050 Fund. Vanguard Target Retirement
2050 seeks to provide capital appreciation and current income consistent with its current asset
allocation. The Fund invests in other Vanguard mutual funds according to an asset allocation
strategy designed for investors planning to retire and leave the work force in or within a few years
of 2050 (the target year). The Fund is designed for an investor who plans to withdraw the value of
an account in the Fund over a period of many years after the target year. The Fund’s asset
allocation will become more conservative over time, meaning that the percentage of assets
allocated to stocks will decrease while the percentage of assets allocated to bonds and other
fixed income investments will increase. Within seven years after 2050, the Fund’s asset allocation
should become similar to that of the Target Retirement Income Fund. The targeted percentage of
the Fund’s assets allocated to each of the underlying funds is Vanguard Total Stock Market Index
Fund 63.0%, Vanguard Total International Stock Index Fund 26.9%, Vanguard Total Bond Market
II Index Fund 8.1%, and Vanguard Total International Bond Index Fund 2.0%. The fund does not
Sample QDIA Notice
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employ an investment advisor, but benefits from the investment advisory services of the
underlying Vanguard Funds in which it invests. There is a 0.50%* annual investment
management fee assessed on assets and a 0.18%* underlying mutual fund fee. >
< American Funds Target Date Retirement Series® investment options – The following five
American Funds Target Date Retirement Series® investment options are designed for investors who
plan to retire in, or close to, the year designated in the fund’s name. If the date of birth is not provided,
defaulted contributions will be invested in the Federated Government Ultrashort Duration investment
option until the missing information is received. Depending on its proximity to its target date, each
fund will seek to achieve the following objectives to varying degrees: growth, income and
conservation of capital. For example, the 2050 Fund, a fund with more years before its target date,
will emphasize growth more than a fund closer to its target date such as the 2010 Fund. As each fund
approaches and passes its target date, it will increasingly emphasize income and conservation of
capital by investing a greater portion of its assets in bond, equity-income and balanced funds. In this
way, each fund seeks to balance total return and stability over time. These objectives may be
modified by the series’ board of trustees without shareholder approval. The investment adviser may
periodically rebalance or modify the asset mix of the funds and change the underlying fund
investments. According to its current investment approach, the investment adviser will continue to
manage each fund for approximately thirty years after the fund reaches its target date. Thirty years
after its target date, each fund may be combined with other funds in a single portfolio with an
investment allocation that will not evolve beyond that which is in effect at that time.
 American Funds 2010 Target Date Retirement Fund ® (SA5H) – The American Funds 2010
Target Date Retirement Fund® is designed for investors with a birth year before 1955. Depending
on the proximity to its target date, the fund will seek to achieve the following objectives to varying
degrees: growth, income and conservation of capital. The fund will increasingly emphasize income
and conservation of capital by investing a greater portion of its assets in bond, equity income and
balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance
total return and stability over time. Capital Research and Management CompanySM is the advisor
for the American Funds Target Date Retirement Series ®. The investment adviser anticipates that
the fund will invest its assets within a range that deviates no more than 10% above or below the
investment approach set forth: growth allocation 5%, growth-and-income allocation 25%, equityincome and balanced allocation 25%, bond allocation 45%. For example, a 40% target allocation
to growth funds is not expected to be greater than 50% nor less than 30%. The investment adviser
will continuously monitor the fund and may make modifications to either the investment approach
or the underlying fund allocations that the investment adviser believes could benefit shareholders.
There is a 0.15%* annual investment management fee assessed on assets and a 0.71%*
underlying mutual fund fee.
 American Funds 2020 Target Date Retirement Fund ® (SA5J) – The American Funds 2020
Target Date Retirement Fund® is designed for investors with a birth year between 1955 and 1964.
Depending on the proximity to its target date, the fund will seek to achieve the following objectives
to varying degrees: growth, income and conservation of capital. The fund will increasingly
emphasize income and conservation of capital by investing a greater portion of its assets in bond,
equity income and balanced funds as it approaches and passes its target date. In this way, the
fund seeks to balance total return and stability over time. Capital Research and Management
CompanySM is the advisor for the American Funds Target Date Retirement Series ®. The
investment adviser anticipates that the fund will invest its assets within a range that deviates no
more than 10% above or below the investment approach set forth: growth allocation 20%, growthand-income allocation 35%, equity-income and balanced allocation 20%, bond allocation 25%. For
example, a 40% target allocation to growth funds is not expected to be greater than 50% nor less
than 30%. The investment adviser will continuously monitor the fund and may make modifications
to either the investment approach or the underlying fund allocations that the investment adviser
believes could benefit shareholders. There is a 0.15%* annual investment management fee
assessed on assets and a 0.73%* underlying mutual fund fee.
Sample QDIA Notice
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 American Funds 2030 Target Date Retirement Fund ® (SA5K) – The American Funds 2030
Target Date Retirement Fund® is designed for investors with a birth year between 1965 and 1974.
Depending on the proximity to its target date, the fund will seek to achieve the following objectives
to varying degrees: growth, income and conservation of capital. The fund will increasingly
emphasize income and conservation of capital by investing a greater portion of its assets in bond,
equity income and balanced funds as it approaches and passes its target date. In this way, the
fund seeks to balance total return and stability over time. Capital Research and Management
CompanySM is the advisor for the American Funds Target Date Retirement Series ®. The
investment adviser anticipates that the fund will invest its assets within a range that deviates no
more than 10% above or below the investment approach set forth: growth allocation 40%, growthand-income allocation 35%, equity-income and balanced allocation 20%, bond allocation 5%. For
example, a 40% target allocation to growth funds is not expected to be greater than 50% nor less
than 30%. The investment adviser will continuously monitor the fund and may make modifications
to either the investment approach or the underlying fund allocations that the investment adviser
believes could benefit shareholders. There is a 0.15%* annual investment management fee
assessed on assets and a 0.77%* underlying mutual fund fee.
 American Funds 2040 Target Date Retirement Fund ® (SA5L) – The American Funds 2040
Target Date Retirement Fund® is designed for investors with a birth year between 1975 and 1984.
Depending on the proximity to its target date, the fund will seek to achieve the following objectives
to varying degrees: growth, income and conservation of capital. The fund will increasingly
emphasize income and conservation of capital by investing a greater portion of its assets in bond,
equity income and balanced funds as it approaches and passes its target date. In this way, the
fund seeks to balance total return and stability over time. Capital Research and Management
CompanySM is the advisor for the American Funds Target Date Retirement Series ®. The
investment adviser anticipates that the fund will invest its assets within a range that deviates no
more than 10% above or below the investment approach set forth: growth allocation 40%, growthand-income allocation 45%, equity-income and balanced allocation 10%, bond allocation 5%. For
example, a 40% target allocation to growth funds is not expected to be greater than 50% nor less
than 30%. The investment adviser will continuously monitor the fund and may make modifications
to either the investment approach or the underlying fund allocations that the investment adviser
believes could benefit shareholders. There is a 0.15%* annual investment management fee
assessed on assets and a 0.78%* underlying mutual fund fee.
 American Funds 2050 Target Date Retirement Fund ® (SA5M) – The American Funds 2050
Target Date Retirement Fund® is designed for investors with a birth year of 1985 and after.
Depending on the proximity to its target date, the fund will seek to achieve the following objectives
to varying degrees: growth, income and conservation of capital. The fund will increasingly
emphasize income and conservation of capital by investing a greater portion of its assets in bond,
equity income and balanced funds as it approaches and passes its target date. In this way, the
fund seeks to balance total return and stability over time. Capital Research and Management
CompanySM is the advisor for the American Funds Target Date Retirement Series®. The
investment adviser anticipates that the fund will invest its assets within a range that deviates no
more than 10% above or below the investment approach set forth: growth allocation 40%, growthand-income allocation 45%, equity-income and balanced allocation 10%, bond allocation 5%. For
example, a 40% target allocation to growth funds is not expected to be greater than 50% nor less
than 30%. The investment adviser will continuously monitor the fund and may make modifications
to either the investment approach or the underlying fund allocations that the investment adviser
believes could benefit shareholders. There is a 0.15%* annual investment management fee
assessed on assets and a 0.79%* underlying mutual fund fee. >
Sample QDIA Notice
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< American Funds American Balanced Fund® (SA1B) – The American Funds Balanced account
seeks to provide conservation of capital, current income and long-term growth of capital and income.
Capital Research and Management CompanySM is the advisor for the account. The American Funds
American Balanced Fund takes a balanced approach and is managed as if it constituted the complete
investment program of the prudent investor. The Fund invests primarily in common stocks and
preferred stocks, bonds, convertibles and cash. It may invest up to 15% of its assets in securities of
issuers domiciled outside the United States. It may not invest more than 75% of assets in common
stocks. All of the Fund's fixed-income investments must be investment-grade at the time of purchase.
There is a 0.15%* annual investment management fee assessed on assets and a 0.64%* underlying
mutual fund fee. >
< American Funds Capital Income Builder® (SA1F) – The American Funds Capital Income Builder
account has two primary investment objectives. It seeks (1) to provide a level of current income that
exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income
over the years. The fund’s secondary objective is to provide growth of capital. Capital Research and
Management CompanySM is the advisor for the account. The American Funds Capital Income Builder
account invests primarily in a broad range of income-producing securities, including stocks with a
history of, or potential for, increasing dividends. The account may also invest significantly in securities
of issuers domiciled outside the United States. The account normally invests at least 90% of its
assets in income-producing securities, with at least 50% of its assets in equity securities. There is a
0.15%* annual investment management fee assessed on assets and a 0.64%* underlying mutual
fund fee. >
< American Funds Income Fund of America® (SA1L) – The American Funds Income Fund of
America account seeks to provide current income and, secondarily, striving for capital growth. Capital
Research and Management Company (CRMC) is the advisor for the account. The American Funds
Income Fund of America Fund seeks investments in both the stock and bond markets that provide an
opportunity for above-average current income and long-term capital growth. The fund may invest in
convertible securities with the potential for higher income than stocks and more appreciation than
regular bonds. It may invest up to 25% of assets in equities of non-U.S. companies and up to 10% of
assets in fixed-income securities of non-U.S. issuers and denominated in U.S. dollars. The Fund may
invest only 20% of its assets in securities rated below investment grade. There is a 0.15% * annual
investment management fee assessed on assets and a 0.64%* underlying mutual fund fee. >
< Vanguard LifeStrategy® Moderate Growth (SA21) – The LifeStrategy funds are a series of
broadly diversified, low-cost funds with an all-index, fixed allocation approach that may provide a
complete portfolio in a single fund. The Vanguard LifeStrategy® Moderate Growth fund seeks to
provide capital appreciation and a low to moderate level of current income The fund holds 60% of its
assets in stocks, a portion of which is allocated to international stocks, and 40% in bonds. The fund
does not employ an investment advisor, but benefits from the investment advisory services of the
underlying Vanguard funds in which it invests. There is a 0.54% * annual investment management fee
assessed on assets and a 0.16%* underlying mutual fund fee. >
< Franklin Income VIP (SA2I) – The Franklin Income VIP account, formerly FTVIPT Franklin Income
Securities, seeks to maximize income while maintaining prospects for capital appreciation. Franklin
Advisers, Inc. is the advisor for the account. The Franklin Income VIP Fund normally invests in both
debt and equity securities. The Fund seeks income by investing in corporate, foreign and U.S.
Treasury bonds, as well as stocks with dividend yields the manager believes are attractive. There is a
0.15%* annual investment management fee assessed on assets and a 0.72% * underlying mutual
fund fee. >
< Franklin Balanced (SA2R) – Franklin Balanced, formerly MFS VIT Total Return, seeks both
income and capital appreciation. Franklin Advisors Inc. is the advisor for the account. The Fund
normally invests in a diversified portfolio of stocks (substantially dividend paying), convertible
securities and debt securities. The Fund seeks income by investing in a combination of corporate,
Sample QDIA Notice
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agency and government bonds issued in the United States and other countries, as well as common
stocks and convertible securities. The Fund seeks capital appreciation by investing in equity
securities and convertible securities of companies from varying industries. There is a 0.05% * annual
investment management fee assessed on assets and a 1.13%* underlying mutual fund fee. >
< Vanguard LifeStrategy® Conservative Growth (SA30) – The LifeStrategy funds are a series of
broadly diversified, low-cost fund with an all-index, fixed allocation approach that may provide a
complete portfolio in a single fund. The Vanguard LifeStrategy® Conservative Growth fund seeks to
provide current income and low to moderate capital appreciation. The fund holds 40% of its assets in
stocks, a portion of which is allocated to international stocks, and 60% in bonds. The fund does not
employ an investment advisor, but benefits from the investment advisory services of the underlying
Vanguard funds in which it invests. There is a 0.55% * annual investment management fee assessed
on assets and a 0.15%* underlying mutual fund fee. >
< Vanguard LifeStrategy® Growth (SA32) – The LifeStrategy funds are a series of broadly
diversified, low-cost funds with an all-index, fixed allocation approach that may provide a complete
portfolio in a single fund. The Vanguard LifeStrategy® Growth fund seeks to provide capital
appreciation and some current income. The fund holds 80% of its assets in stocks, a portion of which
is allocated to international stocks, and 20% in bonds. The fund does not employ an investment
advisor, but benefits from the investment advisory services of the underlying Vanguard Funds in
which it invests. There is a 0.53%* annual investment management fee assessed on assets and a
0.17%* underlying mutual fund fee. >
< LVIP Delaware Foundation® Conservative Allocation (SA95) – The LVIP Delaware Foundation
Conservative Allocation account is an active asset allocation fund that seeks current income and
preservation of capital with capital appreciation. The fund invests in a combination of underlying
securities, using an active allocation approach and representing a variety of asset classes and
investment styles. The target allocation is 20% U.S. Equity, 15% International Equity, 5% Emerging
Markets, 58% Bonds and 2% Cash. The target allocations for each asset class may vary within the
allowable ranges noted in the Fund’s prospectus. Lincoln Investment Advisors Corporation is the
advisor, and Delaware Management Company is the sub-adviser for the Fund. There is a 0.20%*
annual investment management fee assessed and a 0.75%* underlying investment company fee. >
< LVIP Delaware Foundation® Moderate Allocation (SA96) – The LVIP Delaware Foundation
Moderate Allocation account is an active asset allocation fund that seeks capital appreciation with
current income as a secondary objective. The fund invests in a combination of underlying securities,
using an active allocation approach and representing a variety of asset classes and investment
styles. The target allocation is 30% U.S. Equity, 22.5% International Equity, 7.5% Emerging Markets,
38% Bonds and 2% Cash. The target allocations for each asset class may vary within the allowable
ranges noted in the Fund’s prospectus. Lincoln Investment Advisors Corporation is the advisor, and
Delaware Management Company is the sub-adviser for the Fund. There is a 0.20%* annual
investment management fee assessed and a 0.75%* underlying investment company fee. >
< LVIP Delaware Foundation® Aggressive Allocation (SA97) – The LVIP Delaware Foundation
Aggressive Allocation account seeks long-term capital growth. The Fund invests in a combination of
underlying securities, using an active allocation approach and representing a variety of asset classes
and investment styles. The target allocation is 40% U.S. Equity, 30% International Equity, 10%
Emerging Markets, 18% Bonds and 2% Cash. The target allocations for each asset class may vary
within the allowable ranges noted in the Fund’s prospectus. Lincoln Investment Advisors Corporation
is the advisor, and Delaware Management Company is the sub-advisor for the Fund. There is a
0.20%* annual investment management fee assessed and a 0.76% * underlying investment company
fee. >
< BlackRock Global Allocation (SALE) – The BlackRock Global Allocation Fund seeks high total
return through a fully managed investment policy utilizing U.S. and foreign equity, debt and money
market instruments, the combination of which will vary from time to time with respect to types of
Sample QDIA Notice
PAD-1324393-101315
EMBC1015-2519DLDCIU
securities and markets in response to changing market and economic trends.. BlackRock Advisors,
LLC is the investment manager and BlackRock Investment Management, LLC and BlackRock
International Limited are the sub-advisers. There is a 0.05%* annual investment management fee
assessed on assets and a 1.13%* underlying mutual fund fee. >
*Expense
information provided as of September 30, 2015.
Making investment elections
You may direct the investment of future contributions made to your plan account and your existing
plan account balance as follows:
 You may change investment elections for your future contributions.
 You may change the investment elections for your existing account balances, including assets
invested in the plan’s QDIA.
To direct the investment of your plan account assets, you may make investment elections in the
following manner:
For new participants: You may make investment elections on an Enrollment Form.
For existing participants: You may make investment elections in one of two ways:
1. You may access Lincoln’s secure website, LincolnFinancial.com, 24 hours a day, seven days a
week
2. You may call the Customer Contact Center at 800-510-4015, Monday through Friday, from 8:00
a.m. to 8:00 p.m. Eastern Time
The New York Stock Exchange closes for trading at 4:00 p.m. Eastern Time on most business days.
Transactions received before market close will be assigned that day’s closing unit price. Transactions
received after market close, or on a weekend or holiday, will be assigned the closing unit price for the
next business day.
Additional information
You may obtain additional information by contacting the individual(s) listed below:
 Lincoln Customer Contact Center:
 Designated plan fiduciary
Name or title of fiduciary (trustee)
or designee of fiduciary:
Address:
Phone:
Fax:
800-510-4015
<Name>
<Address>
<City, State, Zip>
<000-000-0000>
<000-000-0000>
Sample QDIA Notice
PAD-1324393-101315
EMBC1015-2519DLDCIU