It's easy, it eliminates paper forms, and it's fast. Your employees will receive an immediate email confirmation of their deferral election and see important updates and information about:

• Maximum elective deferral limits currently allowed
• Catch-up contributions for employees age 50 and older
• Ways to save more and prepare for a more secure retirement

Under "My Account," your employees can continue to review their elections and contributions, including:

• Date and amount of last contribution
• Total contributions for the year-to-date
• Contributions by money type (Traditional/Roth and Employee/Employer-Matched)

With Online Salary Deferral, your employees will appreciate their retirement plan even more as a valuable employee benefit.

Using Online Salary Deferral Elections reduces time-consuming paperwork and recordkeeping for your staff, allowing you to focus more on your business. This self-service approach also frees up your administrative staff from having to review or change elections. You can choose to offer Online Salary Deferral Elections for both Traditional and Roth contributions, and allow both dollar and percentage contributions, or only dollar or percentage contributions.

Each business day, we will send you an email summarizing all deferral rate changes made by your employees during the previous day. To help you identify if a change was made during the weekend or a holiday, the email will also include the date such changes were made. A Deferral Rate Changes Report for payroll administration is also available through the online retirement plan administration system we provide, which can be accessed conveniently through the internet.

For more information about how to add Online Salary Deferral Elections to your retirement plan, call your local Mutual of America office or 866.954.4321 for the office nearest you.