You are automatically enrolled in the Defined Contribution Retirement Plan after one year of service in which you work at least 1,000 hours. This Plan is exclusively for employer contributions so no deferral elections are necessary. You should however elect investment choices for the contributions.

The Plan helps your retirement savings grow by matching your contributions.

Enloe Medical Center will match 50% of the first 6% of pay that you defer to the Retirement Savings Plan. In addition, Enloe will make a Base Contribution equal to 3% of your eligible compensation.

The Base Contribution is made to your account even if you are not contributing to the Retirement Savings Plan.

You are always 100% vested in your own contributions to Enloe Medical Center Defined Contribution Retirement Plan, as well as any earnings on them. Enloe Medical Center's matching contributions and any earnings vest according to the following schedule:

Years of Service	Vested Percent
1	0%
2	0%
3	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 various 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 Enloe Medical Center Defined Contribution Retirement 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 T. Rowe Price Retirement Fund Class I 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 Enloe Medical Center.

If no date of birth or an invalid date of birth is on file at Fidelity, your contributions may be invested in the T. Rowe Price Retirement 2005 Fund I Class. More information about the T. Rowe Price Retirement Fund Class I 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.

The Model Portfolio Recordkeeping Service (MPRS) is an investment management service offered under your plan. Under MPRS, your eligible account balance and any future contributions will be invested according to the asset allocation strategy of the model portfolio in which you are invested. Model portfolios are composed of some or all of your plan’s investment options and are a method of allocating your account among those investment options. The asset allocation of each model portfolio is determined by Morgan Stanley, a designated investment manager of the Plan. In addition, the asset allocation of the model portfolio may be adjusted periodically by Morgan Stanley.

If you would like help determining which model portfolio may be most appropriate for you, you can complete Morgan Stanley’s Model Portfolio Participant Questionnaire. You can access the questionnaire by logging in to your Enloe account at www.NetBenefits.com, selecting Plan Information and Documents from the Quick Links menu, and then selecting Model Portfolio Participant Questionnaire.

To enroll, unenroll, or request additional information, please call Fidelity at 800-343-0860. You can also enroll by logging into your account at www.NetBenefits.com, select Change Investments from the Quick Links menu, select Investment Elections, then select a Portfolio under Model Portfolios.

Fidelity Investments is not responsible for the construction or management of model portfolios and is not affiliated with Morgan Stanley.

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 Enloe Medical Center, 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 Enloe Medical Center, 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 1-800-343-0860.

You are permitted to roll over eligible pretax contributions to the Enloe Medical Center Retirement Program.

Additional information can be obtained online, or by calling the Fidelity Retirement Benefits Line at 1-800-343-0860.

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.