601 Union Street, Suite 4800
Seattle, WA 98101
United States
+1 206 695 4200
+1 206 682 7937
www.colliersbenefits.com
MAIN
FAX
From: Colliers Benefits Team
To:
Colliers International Indianapolis (formerly Summit Realty, Inc.) Employees
IMPORTANT CHANGE TO YOUR RETIREMENT BENEFITS
We are pleased to welcome all Summit Realty Group of Indiana, Inc. employees to the Colliers International USA
401(k) plan. We hope that you are as excited as we are about this transition. Your participation in the Colliers
International USA 401(k) will be effective as of the payroll period beginning on December 23, 2015 and your
Summit Realty Group 401(k) Plan (“Summit 401(k)”) balance is tentatively scheduled to be transferred into the
Colliers International USA 401(k) effective March 1, 2016.
This notice contains helpful information on how your Summit 401(k), administered through Paychex, will be moved
and how to access your new Colliers International USA 401(k). We also provide some key dates and highlight any
actions you will need to take.

Summit 401(k) Account Balances and Deferrals:
Your account balances will be transferred automatically, and your investment elections will be mapped to
similar strategies. Your existing payroll deduction savings rate will continue..
No action is required.
If you wish to make any changes to your current deferral rate or investment elections you must do so
no later than December 23, 2015 through the existing Paychex Flex platform. Any changes made after
December 23 may not be mapped to the new Colliers International USA 401(k). We invite you to make
any subsequent changes after January 8, 2016, when you have access to your new 401(k) plan. See
below.

Access to Your New Colliers International USA 401(k):
In late December, keep your eye out for a mailing from your new 401(k) administrator, 401Save.com, which will
include login instructions and credentials for the new system that will be live January 9, 2016.
This mailing will also include a new beneficiary designation form for you to complete. Please note: current
beneficiary designations will not automatically transfer to your new 401(k) plan. You must complete a
new beneficiary form contained in your welcome package or the mailing you receive from
401Save.com. Beginning January 9th, the beneficiary form can also be completed through
401Save.com.

Investment and Retirement Planning Sessions:
Copyright © 2013 Colliers International.
During the week of January 25, we will be offering several in-person educational sessions to familiarize you
with the Colliers International USA 401(k). Free individual retirement planning sessions will also be offered.
Invitations for these sessions will be sent directly to you in the new year.
If you have any questions, please don’t hesitate to contact us at US.benefits@colliers.com
WHOM TO CONTACT
If you have any questions concerning this notice, you should contact:
US.benefits@colliers.com
The Benefis Team,
Colliers International
601 Union Street, Suite 4800
Seattle, WA 98101
INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
EXPLANATION OF PLAN CHANGES
During the last week of December, your Summit 401(k) deferral rates and investment elections will be mapped
to the Colliers International USA 401(k). Your Summit 401(k) accounts are tentatively scheduled to remain
active with Paychex until late February, 2016 when the accounts will transfer to 401Save.com administered by
Tratutman Maher & Associates. Final contributions to the Summit 401(k) plan will occur on December 23 rd. Any
deferrals made after December 23rd will be directed to your new Colliers International USA 401(k) account.
Recordkeeper — Trautmann Maher & Associates: Trautmann Maher & Associates is the recordkeeper for
the Colliers International USA 401(k). Trautmann Maher & Associates provides quarterly statements, online
account access, automated Voice Response System (VRS) access and a live-operator Call Center. You will
receive a letter from Trautmann Maher & Associates that contains your loggin information and a unique PIN.
Once you activate your account with your PIN, you may access your account:



Online: www.401Save.com
VRS: 1-877-401-SAVE (7283)
Call Center: 1-888-700-0808
During the last week of December, you will receive a 401Save Personal Identification Number (PIN) letter in
the mail that includes all of this information including how to access your account.
Prior to the Summit 401(k) plan transfer tentatively scheduled to occur in late February, 2016, you will have two
401(k) plans. Your legacy Summit 401(k) will be maintained by Paychex and your new Colliers International
USA 401(k) will be maintained by 401Save.com. This is important because you will not see your Summit 401(k)
account balances in the new Colliers International USA 401(k) until the plan assets have transferred in late
February.
Advisor – Highland Capital Advisors, LLC: David Rowe of Highland Capital Advisors is available to assist
with investment related questions. He can be reached at 1-800-717-6180 ext. 107.
If you wish to change your investment existing elections or deferral rate you must do so by December 23rd.
KEY DATES:
Date
December 23, 2016
Action
Final Day to make changes to investment elections and/or deferral rate
changes at Paychex! Your investment selections and deferral rates will
automatically be mapped to the Colliers International USA 401(k) plan. The
information mapped will be the data in Paychex Flex system on December
23. Any changes you enter after December 23 may not be captured. You will
be able to make changes in the new system in January (see below).
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
Week of December 23, 2016
Personal Identification Number (PIN) notice mailed to your home address.
This notice provides you access to the 401Save.com web site which will ‘go
live’ January 9th.
December 24, 2016
401(k) payroll deductions are now being directed to the Colliers International
USA 401(k) plan. You will see these contributions on your Colliers paycheck
and in the 401Save.com web site January 9th.
January 8, 2016
First pay date when 401(k) payroll deductions and Colliers matching
contributions will be deposited to the Colliers International USA 401(k).
Contributions to be invested based on “mapped” investment elections.
January 9, 2016
Anticipated date you will have full access to the 401Save.com web site. You
may change your savings rate (deferral rate), change your investment
elections for future contributions, transfer funds among investment options
and more.
Week of March 7, 2016
Anticipated date you will have consolidated access to your Summit 401(k)
balances as transferred into the Colliers International USA 401(k).
RIGHT TO DIRECT INVESTMENTS
You have the right to direct your account balance, and any future contributions, among the Colliers
International USA 401(k) investment options, subject to any restrictions summarized below. These and other
rights are subject to the terms of the Colliers International USA 401(k). To obtain a copy of your Summary Plan
Description please login into 401Save.com.
The Colliers International USA 401(k) is intended to be a participant-directed Plan as described in Section
404(c) of the Employee Retirement Income Security Act of 1974 (ERISA). This means that fiduciaries of the
Colliers International USA 401(k) are ordinarily relieved of liability for any losses under ERISA that are the
direct and necessary result of investment instructions given by a plan participant or beneficiary.
INVESTMENT OPTIONS
Below is a listing of the investment options that will be available under the Colliers International USA 401(k).
Asset Class
Stable Value
Funds
Bond Funds
Ticker
Investment Option
Category
N/A
WTRISC CIT III for Metlife GAC 25554 J
US SA Stable Value
VBTLX
Vanguard Total Bond Market Index Adm
US OE Intermediate-Term Bond
PTTRX
PIMCO Total Return Instl
US OE Intermediate-Term Bond
PDBZX
Prudential Total Return Bond Z
US OE Intermediate-Term Bond
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
Asset Class
U.S. Stock Funds
International
Stock Funds
Target Date
Funds
Ticker
VAIPX
Investment Option
Vanguard Inflation-Protected Secs Adm
Category
US OE Inflation-Protected Bond
FBNRX
Templeton Global Bond R6
US OE World Bond
VITSX
Vanguard Total Stock Market Idx I
US OE Large Blend
DODGX
Dodge & Cox Stock
US OE Large Value
JLGMX
JPMorgan Large Cap Growth R6
US OE Large Growth
VASVX
Vanguard Selected Value Inv
US OE Mid-Cap Value
WFDRX
Wells Fargo Advantage Discovery R6
US OE Mid-Cap Growth
VSIAX
Vanguard Small Cap Value Index Admiral
US OE Small Value
VSGAX
Vanguard Small Cap Growth Index Admiral
US OE Small Growth
VTIAX
Vanguard Total Intl Stock Index Admiral
US OE Foreign Large Blend
ANAVX
AllianzGI NFJ International Value R6
US OE Foreign Large Value
RERGX
American Funds Europacific Growth R6
US OE Foreign Large Growth
ODVIX
Oppenheimer Developing Markets I
US OE Diversified Emerging Mkts
VTINX
Vanguard Target Retirement Income Inv
US OE Retirement Income
VTXVX
Vanguard Target Retirement 2015 Inv
US OE Target Date 2011-2015
VTWNX
Vanguard Target Retirement 2020 Inv
US OE Target Date 2016-2020
VTTVX
Vanguard Target Retirement 2025 Inv
US OE Target Date 2021-2025
VTHRX
Vanguard Target Retirement 2030 Inv
US OE Target Date 2026-2030
VTTHX
Vanguard Target Retirement 2035 Inv
US OE Target Date 2031-2035
VFORX
Vanguard Target Retirement 2040 Inv
US OE Target Date 2036-2040
VTIVX
Vanguard Target Retirement 2045 Inv
US OE Target Date 2041-2045
VFIFX
Vanguard Target Retirement 2050 Inv
US OE Target Date 2046-2050
VFFVX
Vanguard Target Retirement 2055 Inv
US OE Target Date 2051+
VTTSX
Vanguard Target Retirement 2060 Inv
US OE Target Date 2051+
Additional information (including performance information) will be available on www.401Save.com
EXERCISING VOTING, TENDER and SIMILAR RIGHTS
You may have the right to exercise voting, tender and similar rights related to the following investments you
may have in your Colliers International USA 401(k) account:


Collective Investment Trusts
Mutual Funds
Please note that stock values fluctuate in response to the activities of individual companies and general market
and economic conditions. In general, bond prices rise when interest rates fall and vice versa. This effect is
usually more pronounced for longer-term securities. All of the mutual funds available are offered at net asset
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
value (NAV) without any front or back-end sales charges. Other fees and expenses applicable to a continued
investment in the funds apply.
FUND MAPPING
The transition from Paychex to Trautmann Maher & Associates will require that your current fund options map
to your new fund options according to the following table. Please note that the intent of this mapping strategy
is to maintain your overall “risk positioning” by mapping your exposure to stable value, fixed income and stock
investments. It is important for you to review both your investment elections for future payroll
contributions and future loan repayments, if applicable, as well as your current balances before and
after the transition. We strongly advise that you make a new investment election for future payroll
contributions and future loan repayments, if applicable, as well as to your current balances following
the transition.
Investment elections for future payroll contributions and future loan repayments, if applicable, as well as, your
current balances that you have in any of the current investment options listed in the table below as of
December 23, 2015, will transfer (i.e., “map”) to the new options as follows:
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
Asset Class
Ticker
Old Investment Option
Stable Value
Funds
FZBXX
Fidelity® Government MMkt Dly Mny
PTTAX
PIMCO Total Return A
PBOIX
Principal Bond Market Index R3
DPDFX
Delaware Diversified Income A
Bond Funds
U.S. Stock
Funds
LSIZX
Columbia Strategic Income Z
FHAIX
Franklin High Income A
PLFMX
Principal Large Cap S&P 500 Index R3
PMFMX
Principal MidCap S&P 400 Index R3
PSSMX
Principal SmallCap S&P 600 Index R3
AMAGX
Amana Growth Investor
RGAEX
American Funds Growth Fund of Amer R4
AMANX
Amana Income Investor
RFNEX
American Funds Fundamental Invs R4
LDFVX
Lord Abbett Fundamental Equity A
EVTMX
Eaton Vance Dividend Builder A
WMGAX
Ivy Mid Cap Growth A
JDPAX
MDSWX
International
Stock Funds
Split
Ticker
New Investment Option
 100%
MET SV
WTRISC CIT III for Metlife GAC 25554 J
 100%
PTTRX
PIMCO Total Return Instl
 100%
VBTLX
Vanguard Total Bond Market Index Adm
 100%
VITSX
Vanguard Total Stock Market Idx I
Perkins Mid Cap Value A
BlackRock Small Cap Growth II Inv A
PCVAX
AllianzGI NFJ Small-Cap Value A
IARAX
Invesco Real Estate A
PCRAX
PIMCO Commodity Real Ret Strat A
REREX
American Funds Europacific Growth R4
 100%
RERGX
American Funds Europacific Growth R6
RWIEX
American Funds Capital World Gr&Inc R4

45%
VITSX
Vanguard Total Stock Market Idx I
55%
VTIAX
Vanguard Total Intl Stock Index Admiral
30%
VITSX
Vanguard Total Stock Market Idx I
30%
VTIAX
Vanguard Total Intl Stock Index Admiral
 10%
VBTLX
Vanguard Total Bond Market Index Adm
10%
FBNRX
Templeton Global Bond R6
20%
MET SV
WTRISC CIT III for Metlife GAC 25554 J
30%
VITSX
Vanguard Total Stock Market Idx I
15%
VTIAX
Vanguard Total Intl Stock Index Admiral
 20%
VBTLX
Vanguard Total Bond Market Index Adm
15%
FBNRX
Templeton Global Bond R6
20%
MET SV
WTRISC CIT III for Metlife GAC 25554 J
MDLOX
BlackRock Global Allocation Inv A
Specialty &
Other Funds
FTCIX
Franklin Conservative Allocation A
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
If you prefer to invest your future payroll contributions or your current balances differently prior to the
transition, please contact Paychex by visiting https://benefits.paychex.com or by calling the Paychex
Participant Support line at 1-800-472-0072 prior to 4:00 p.m. Eastern time on December 23, 2015 to
request the change.
You will be able to change your investment elections and make exchanges within your account once you have
access to your 401Save.com. account on January 9th, 2016.
FEES AND EXPENSES
In addition to any asset based fees deducted from an investment option's assets which reduce its investment
return, if you have an account in the Colliers International USA 401(k), it may be subject to the following types
of fees and expenses:


Plan administrative fees and expenses
Individual fees and expenses
PLAN ADMINISTRATIVE FEES AND EXPENSES
Plan administrative fees may include legal, accounting, trustee, recordkeeping, investment advisory and other
administrative fees and expenses associated with maintaining the Colliers International USA 401(k). In some
instances, they may be deducted from individual accounts in the Colliers International USA 401(k), either
equally from all accounts or proportionally based on account balance. Fees may also be paid by Colliers
International.
Based on the information at the time this notice was prepared, the plan administrative fees listed below may be
deducted from accounts in the Colliers International USA 401(k). As you review this information, please keep in
mind that fees are subject to change and that certain plan administrative fees may not be deducted from
accounts in certain circumstances.
Type of Plan Administrative Fee
Amount
Recordkeeping and Custody Fees
The annual estimated fee is 0.21% of the plan assets. This
amount will be deducted equally from all participant
accounts and is estimated to be $2.10 for every $1,000
maintained in your account annually. ¼ of this estimated
amount will be deducted each quarter.
If any plan administrative fees are actually deducted from your account, they will be reflected on your Colliers
International USA 401(k) account statement.
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INFORMATION ABOUT YOUR 401(k) PLAN
PLAN MERGER, MAPPING AND KEY DATES
INDIVIDUAL FEES AND EXPENSES
Individual fees and expenses include those associated with a service or transaction that an individual may
select. In some instances, they may be deducted from the accounts of those individuals who utilize the service
or engage in the transaction.
If you have an account in the Colliers International USA 401(k) and you select or execute one or more of the
following services or transactions, the following fees may be deducted from your account based on the
information at the time this notice was prepared. As you review this information, please keep in mind that fees
are subject to change and that certain individual fees may not be deducted in certain circumstances.
Type of Individual Fee
Overnight Mailing Fee
Loan Setup Fee
Distribution Fee
QDRO Fee
Amount
$25 per transaction
$150 one-time fee per loan
$50 per distribution
$0 to $250 based on complexity of QDRO
Also please note you may incur short-term redemption fees, 12b-1 fees, sub-transfer agent fees, and similar
expenses in connection with transactions associated with your Colliers International USA 401(k)'s investment
options. Please refer to each fund's prospectus or other investment materials for details regarding specific fees
that may apply to each investment option available under the Colliers International USA 401(k).
If any individual fees are actually deducted from your account, they will be reflected on your Colliers
International USA 401(k)'s quarterly account statement.
Keep in mind that this is a regulatory notice required by the Department of Labor to be provided to you, and
that some of this information will be duplicated in other materials you will receive from time to time. As this
information is subject to change, the most recent disclosure required by this regulation will prevail.
Further Information
If you have any further questions regarding this notice, please contact Colliers at US.benefits@colliers.com
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