There is no waiting period. Enroll online at any time, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

If you have not enrolled in the Plan within 35 days from your date of hire, you will be automatically enrolled in the Plan at a contribution rate of 3% of your pretax eligible compensation.

Based on your date of birth and assuming a retirement age of 65, you will be invested in the Vanguard Target Retirement Trust II, with a corresponding target retirement date. Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

We encourage you to take an active role in the Plan and to choose a contribution rate and investment options that are appropriate for you. If you do not wish to contribute to the Plan, you must change your contribution rate to 0% within the first 35 days of your date of hire. You may change your contribution rate at any time online, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

If you are automatically enrolled in the Plan you are also automatically enrolled in the Annual Increase Program – a convenient way to help boost workplace savings contributions on a regular basis to keep on track to meet your retirement goals. Each year, plan participants contributing less than 10% will see their contribution rate increase by 1% until they reach the 10% employee contribution threshold, unless they elect otherwise. You may also change your annual automatic increase amount, but not less than 1%, or unenroll from the Annual Increase Program at any time.

Through automatic payroll deductions, you may contribute between 1% and 90% of your eligible base pay as pretax and Roth contributions, up to the annual IRS dollar limits. Sign up online by accessing the “Contribution Amount” section under “Quick Links” on NetBenefits^®, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

A Roth contribution to your retirement savings plan allows you to make after-tax contributions and take any associated earnings completely tax free at retirement - as long as the distribution is a qualified one. A qualified distribution, in this case, is one that is taken at least five tax years after your first Roth 401(k) contribution and after you have attained age 59½, or become disabled or die.

Find more information online within the "Plan & Learn" drop down and "Learn" section of NetBenefits^®.

Roth In-Plan Conversion options are available in Toyoda Gosei 401(k) Plan. This option provides you with the opportunity to convert all, or a portion of your non-Roth assets to Roth assets. The amount eligible for conversion, may include all of a participant’s vested assets, including both eligible contributions and related earnings.

Special tax rules apply to Roth In-Plan Conversion options and are an important consideration in determining whether to do such a conversion. Generally, the taxable amount of a conversion is determined as if the converted assets were distributed to you from the Plan, although the assets will only be transferred to the Roth portion of your account and no amount will actually be paid from the Plan. The taxable amount (determined as if actually distributed to you) is taxable to you in the year of the conversion and should be reported on your income tax return for that year. For more information related to the tax consequence of a conversion, you should consult your tax or financial advisor before undertaking such a conversion. You may contact the Fidelity Retirement Benefits Line at 800-835-5095 to process a Roth In-Plan Conversion.

Call Fidelity at 800-835-5095. Representatives can answer your questions, review available opportunities for conversion, process a Roth In-Plan Conversion, or help you set up automated Roth In-Plan Conversions.

The IRS contribution limit for 2025 is $23,500.

If you have reached age 50 or will reach 50 during the calendar year January 1 – December 31 and are making the maximum plan or IRS contribution, you may make an additional catch-up contribution each pay period. The maximum annual catch-up contribution is $7,500. Going forward, catch-up contribution limits will be subject to cost-of-living adjustments (COLAs) in $500 increments.

Starting in 2026, if you earn greater than $145,000, any age 50 catch-up contributions must be designated as Roth contributions. If you earn $145,000 or less, you can designate your catch-up contribution to be pretax or Roth.

Starting in 2025, the SECURE 2.0 Act increases the limit for you if you have attained age 60, 61, 62, or 63 in a given calendar year. The increased limit for 2025 is $11,250; bringing the total 2025 limit to $34,750.

Full-time and part-time regular employees are eligible to start contributing immediately upon hire.

• Employer match: Toyoda Gosei North America Corporation matches 100% of your contributions up to 3% of eligible compensation.


• Employer discretionary contributions: Toyoda Gosei North America Corporation may contribute to your account at their discretion.


• Employer match and employer discretionary contributions are subject to vesting.

• Newly hired temporary employees are not eligible for the employer match or the employer discretionary contributions.

You are immediately 100% vested in your own contributions, including any amounts you have rolled into the plan, and their earnings.

Employer Match and Employer Discretionary contributions, and any earnings, vest according to the following schedule:

Years of Service	Vested Percent
1	20%
2	40%
3	60%
4	80%
5	100%

To help you meet your investment goals, the Plan offers you a range of options. You can select a mix of investment options that best suits your goals, time horizon, and risk tolerance. The many investment options available through the Plan include conservative, moderately conservative, and aggressive funds. A complete description of the Plan’s investment options and their performance, as well as planning tools to help you choose an appropriate mix, are available online.

We encourage you to take an active role in the Toyoda Gosei 401(k) Plan and choose investment options that best suit your goals, time horizon, and risk tolerance. If you do not select specific investment options in the Plan, your contributions will be invested in the Vanguard Target Retirement Trust II with the target retirement date closest to the year you might retire, based on your current age and assuming a retirement age of 65, at the direction of Toyoda Gosei North America Corporation.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the Vanguard Target Retirement Income Trust II. More information about the Vanguard Target Retirement Trust II options can be found online.

Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

Financial Engines Advisors L.L.C.
Your plan offers you independent, objective investment advice and management from Financial Engines Advisors L.L.C., a federally registered investment advisor. More information can be obtained online, or by calling 800-601-5957, 9 a.m. - 9 p.m.

Edelman Financial Engines^® is a registered trademark of Edelman Financial Engines, LLC. Used with permission. Edelman Financial Engines is not affiliated with Fidelity Investments or its affiliates.

Although your plan account is intended for the future, you may borrow from your account for any reason.

Learn more about and/or request a loan online, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

Withdrawals from the Plan are generally permitted when you terminate your employment, retire, reach age 59½, become permanently disabled, or have a severe financial hardship, as defined by your plan.

When you leave Toyoda Gosei North America Corporation, you can withdraw contributions and any associated earnings or, if your vested account balance is greater than $7,000, you can leave contributions and any associated earnings in the Plan. After you leave Toyoda Gosei North America Corporation, if your vested account balance is equal to or less than $1,000, it will automatically be distributed to you. However, if your vested account balance is greater than $1,000, but not more than $7,000, you may be notified that your entire vested account balance will be transferred to an Individual Retirement Account (Rollover IRA), unless you request either a cash distribution and/or a rollover distribution.

Learn more about and/or request a withdrawal online, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

You are permitted to roll over eligible contributions from another 401(k), 403(b), 401(a) or a governmental 457(b) retirement plan, and Roth contributions from another 401(k), 403(b), or 457(b) plan account. Additional rollover sources include after-tax roll-ins, Pension/Defined Benefit, and eligible contributions from conduit Individual Retirement Accounts (rollover IRAs) and certain non-conduit individual retirement accounts (traditional IRAs, Simplified Employee Pension plans, and "SIMPLE" IRAs).

Additional information can be obtained online, or by calling the Fidelity Retirement Benefits Line at 800-835-5095.

Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you have not already selected your beneficiaries, or if you have experienced a life-changing event such as a marriage, divorce, birth of a child, or a death in the family, it’s time to consider your beneficiary designations. Fidelity’s Online Beneficiaries Service, offers a straightforward, convenient process that takes just minutes. To make your elections, click on the “Profile & Settings” icon in the upper right-hand corner, then select “Beneficiaries” and follow the online instructions.

Plan questions will be answered by Fidelity Retirement Benefits Line at 800-835-5095. To reach your Toyoda Gosei benefits team, please email TGgroupbenefits@toyodagosei.com.

Learn about loans, exchanges, and more online. In particular, you can access loan modeling tools that illustrate the potential impact of a loan on the long-term growth of your account. You will also find a withdrawal modeling tool, which shows the amount of federal income taxes and early withdrawal penalties you might pay, along with the amount of earnings you could potentially lose by taking a withdrawal. Additional information can be obtained by calling the Fidelity Retirement Benefits Line at 800-835-5095.