How to Read Your Statement
KENTUCKY DEFERRED COMPENSATION 101 SEA HERO ROAD SITE 110 FRANKFORT KY 40601-5404 Acct#: 90909090
July 1, 20XX - September 30, 20XX Questions? Contact Us!
John Participant YOUR NAME HERE 123 ADDRESS1 123 YOUR STREET 123 ADDRESS2 YOUR CITY, KY 123456 000 TEST ROAD
PHONE: (800)542-2667 CUSTOMER SERVICE: (888)888-8888 Website: Write us at: KENTUCKY DEFERRED Nationwide Retirement COMPENSATION 101 SEA HERO ROAD SUITE 110 FRANKFORT KY 40601-5404
TEST ST 99999
Please review your statement carefully. Corrections may not be accepted more than 45 days after the closing date of the statement.
Your full name and complete street address will be listed.
Activity at a Glance
457(b) Plan $61,523.26 $958.33 $185.15 $1,069.74 $0.00 $0.00 $63,736.48
06-30-20XX Balance as of 06-30-14 Contributions/Transfers In* Balance as of 07-01-13 Interest/Dividend/Cap Gain/Reimb Gain/Loss Withdrawals/Transfers Out** Charges/Fees XX Balance as of 09-30-14
401(k) $326,328.49 $958.33 $1,329.31 $4,936.76 $0.00 $0.00 $333,552.89
IRA $96,259.22 $0.00 $291.55 $1,654.25 $0.00 $0.00 $98,205.02
Total $484,110.97 $1,916.66 $1,806.01 $7,660.75 $0.00 $0.00 $495,494.39
Balance as of *Including, but09-30-13 not limited to, Employee and Employer Contributions, Rollovers and Transfers In. **Including, but not limited to, Rollovers and Transfers Out, Partial and Lump Sum Payments.
Contributions and Distributions Summary - July 1, 20XX – September 30, 20XX Last Contribution Amount $958.33 $958.33
Contributions This Period $958.33 $958.33 $0.00 $0.00 $0.00 $0.00
Contributions Year to Date $958.33 $958.33 $0.00 $0.00 $0.00 $0.00
To the right is your Account Allocation. Your Account Allocation is how the money in your account is divided among the investment options you have selected. For more information on contribution and account allocation, log on to WWW.KENTUCKYDCP.COM
Your Account Allocation
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In this section, you will see a summary of salary reductions (deferrals), for all the plans and options you are enrolled in. The information is detailed for the quarter and year-to-date.
Investment Type Large-Cap Stocks Balanced Mid-Cap Stocks Total Percent/Value
$318,900.30 $125,536.71 $51,057.38 $495,494.39
• Your Asset Allocation This section displays a pie chart of how your assets are invested among the investment option classes available through your plan. Each slice represents an asset class and is described by a chart legend titled “Investment Type.”
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*Percentages and totals may not be exact due to rounding.
2 | How to Read Your Statement
You will find the totals of all activity that occurred in your Plan(s) account(s) during the quarter. Each amount displayed here is detailed on the following pages.
• Contributions and Distributions Summary
65% 25% 10% 100%
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• Activity at a Glance
Last Distribution Amount
Your Asset Allocation - July 1, 20XX – September 30, 20XX
WWW.KENTUCKYDCP.COM
Your unique account number provides protection for your personal identity. You may use your account number to establish access and login to your account through the Plan web site.
• Account Information
Nationwide Investment Services Corporation, member FINRA, In Michigan Only: Nationwide Investment Svcs. Corporation
457 Salary Reduction 401(k) Salary Reduction 401(k) Rollover (Pre-Tax) IRA IRA Traditional IRA IRA Roth IRA Traditional IRARoth IRA Traditional Rollover IRA IRA Traditional Rollover
• Account Number
Questions? Call us! (800)422-8463
1
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Statement Details
Investment Option Summary (continued)
Current Investment Current Investment Election Election (Roth)
Investment Option
Mid-Cap Stocks Total
Ending Price
Units/Shares
0.00% 0.00% 0.00%
87.3900 149.4700
3.5243 2.1463
$307.99 $320.81 $628.80
0.00% 0.00%
63.1300
4.8207
$304.33 $304.33
0.00%
0.00%
Large-Cap Stocks *Fid Contra *Vngrd Inst Indx Inst Statement Large-Cap Details Stocks Total
0.00% 0.00% 0.00%
Balanced *Vngrd Wlngtn Adml Balanced Total
0.00% 0.00%
Value
$311.77
Investment Option Summary - July 0.00% 1, 20XX – September 30, 20XX 0.00%
IRA IRA Roth Total
IRA IRA Traditional Rollover Ending Price is as of 9/30/20XX Mid-Cap Stocks *TRowePr Inst MdCap Eq Gr Mid-Cap Stocks Total
N/A
N/A
Current Investment Current N/A Investment N/A Election Election (Roth)
Investment Option
Large-Cap Stocks 457 Salary *FidReduction Contra Mid-Cap *VngrdStocks Inst Indx Inst *TRowePr InstTotal MdCap Eq Gr Large-Cap Stocks Mid-Cap Stocks Total Balanced Large-Cap StocksAdml *Vngrd Wlngtn *Fid Contra Balanced Total *Vngrd Inst Indx Inst Large-Cap Stocks TotalTotal IRA IRA Traditional Rollover TotalBalanced Percent/Total Value *Vngrd Wlngtn Adml Balanced Total TOTAL Total Percent/Total Value
$1,244.90
36.1800
534.4969
Ending Price
Units/Shares
N/A N/A N/A
87.3900 149.4700 36.1800
218.6144 132.3424 450.5822
$19,104.71 $19,781.22 $16,302.06 $38,885.93 $16,302.06
N/A 25.00% N/A 25.00% 50.00% N/A
N/A N/A
63.1300 87.3900 149.4700
295.9100 181.0177 109.0961
$18,680.80 $15,819.14 $18,680.80 $16,306.59 $32,125.73 $76,904.83
63.1300
242.4948
36.1800
274.6739
N/A
100.00%
Current Investment Election is only applicable to accounts funded by payroll deduction. 401(k) Salary Reduction Mid-Cap Stocks *TRowePr Inst MdCap Eq Gr 25.00% Mid-Cap Stocks Total 25.00%
Your Account Values by Investment Option - July 1, 20XX – September 30, 20XX Large-Cap Stocks *Fid Contra *Vngrd Inst Indx Inst Large-Cap Stocks Total
Beginning Balance
457 Salary Reduction (0047428001)
Balanced Mid-Cap StocksWlngtn Adml *Vngrd *TRowePr Inst MdCap Eq Gr Balanced Total
$15,660.04 $15,660.04
Mid-Cap Stocks Total
401(k) SalaryStocks Reduction Total Large-Cap *Fid Contra
$15,264.76 $15,724.44 $30,989.20
*Vngrd Inst Indx Inst 401(k) Rollover (Pre-Tax) Large-Cap Stocks Total Large-Cap Stocks Balanced *Fid Contra *Vngrd Wlngtn Adml *Vngrd Inst Indx Inst Balanced Total Large-Cap Stocks Total 457(b) Plan Total
Balanced *Vngrd Wlngtn Adml 401(k)Balanced Salary Reduction Total(0047428002)
Total Percent/Total Large-Cap Stocks Value *Fid Contra *Vngrd Inst Indx Inst Large-Cap Stocks Total
IRA IRA Traditional Mid-Cap Stocks *TRowePr Inst MdCap Eq Gr Mid-Cap Stocks Total
IRA IRA Traditional Total IRA IRA Roth Mid-Cap Stocks *TRowePr Inst MdCap Eq Gr
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Transfers In
25.00% $239.58 25.00% $239.58
100.00% $239.59 $239.58 $479.17
N/A
Exchanges
Withdrawals Transfers Out
87.3900 Interest/ 149.4700 Dividend/
Charges/ Credits/Fees
Cap Gain/ Reimb
63.1300
856.1488 806.0250 Gain/Loss
1,120.2995
$0.00 $0.00
$0.00 $0.00
$0.00 $0.00
$0.00 $0.00
$402.44 $402.44
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$0.00 $83.60 $83.60
$314.79 $258.97 $573.76
$14,874.02 $14,874.02
$239.58 N/A $239.58
$0.00 $0.00
$0.00 $0.00
87.3900 $0.00 149.4700 $0.00
$101.55 $101.55
209.4222 $93.54 157.9939 $93.54
$61,523.26
$958.33
$0.00
$0.00
$0.00
$185.15
$1,069.74
N/A
63.1300
248.3528
$9,454.00 $9,454.00
N/A $239.58 $239.58
$0.00 $0.00
$0.00 $0.00
$0.00 $0.00
$0.00 $0.00
$244.12 $244.12
$73,082.99 $117,689.58 $190,772.57
$239.59 $239.58 $479.17
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$0.00 $0.00 $0.00
$0.00 $625.74 $625.74
$1,496.27 $1,921.66 $3,417.93
$98,205.02 $15,308.69 $15,308.69 $495,494.39 $63,736.48
$9,937.70 $9,937.70 $74,818.85 $120,476.56 Ending $195,295.41 Balance
$70,724.51 $16,302.06 $70,724.51 $16,302.06
$275,957.62 $15,819.14 $16,306.59 $32,125.73
$18,301.41 $15,308.69 $23,615.35 $15,308.69 $41,916.76 $63,736.48
$15,678.51 $15,678.51 $57,595.27 $9,937.70 $9,937.70
$333,552.89
Large-Cap Stocks WWW.KENTUCKYDCP.COM *Fid Contra *Vngrd Inst Indx Inst Large-Cap Stocks Total Balanced *Vngrd Wlngtn Adml Balanced Total
25.00% 25.00% Contributions/ 50.00%
N/A N/A
Mid-Cap Stocks 401(k)*TRowePr Rollover Total Inst(Pre-Tax) MdCap Eq Gr Mid-Cap Stocks Total
Value
N/A N/A 25.00% N/A 25.00%
25.00% 25.00%
* Fund is valued in shares rather than units
$19,338.10 $19,338.10
25.00% 25.00%
0.00% 0.00%
25.00% 25.00% 50.00%
0.00% 0.00% 0.00%
25.00% 25.00%
0.00% 0.00%
100.00%
0.00%
0.00%
0.00%
36.1800
142.8345
$74,818.85 $120,476.56 $195,295.41
$5,167.75 $5,167.75
Questions? Call us! (800)422-8463 3 87.3900 56.9848 $4,979.90 149.4700
33.9049
$5,067.77 $10,047.67
63.1300
76.6651
$4,839.87 $4,839.87
• Investment Option Summary This summary displays how future deferrals will be invested, based on the investment options and corresponding allocation percentages you have chosen. The summary also shows the ending price, number of shares, and corresponding value for each option in which you have invested.
• Your Account Values by Investment Option In this section you will find the dollar value of your accounts detailed by investment option for each of the Plan(s) and investment types. In addition to beginning and ending balances, the columns report:
Contributions/Transfers in — Includes contributions, transfers and loan payments you have made to your account. Exchanges — Includes fund exchanges made to your accounts during the quarter. Withdrawals/Transfers Out —Includes withdrawals from and transfers out of your Plan accounts. Loan disbursements represent money you borrowed from your account. Charges/Credits/Fees — Lists charges and fees for the quarter. Interest/Dividend/Cap Gain/Reimb — “Interest” is any amount credited to your account by any short-term investments. “Dividends/ Cap Gains” means the dividends and capital gains posted by the investment options during the quarter. “Reimb” represents your portion of mutual fund recordkeeping reimbursements paid back to the Plan by fund companies. Gain/Loss — “Gain/Loss” is the difference between “Beginning Balance” and “Ending Balance.” It represents the amount your account gained or lost due to market performance over the quarter, as well as any deferrals and withdrawals you made during the period.
$20,055.29
36.1800
8.6173
$311.77
QUARTERLY REPORT FOR KENTUCKY TEST
4 | How to Read Your Statement
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Statement Details
Statement Details Statement Details
Transaction Details - July 1, 20XX – September 30, 20XX Pay Period Effective Total Transaction DetailsAmount - July End Date Date 7/1/2014 7/1/2014 $958.33 Pay Period Effective Transaction Details Total - July End Date Date Amount 7/1/2014 7/1/2014 $958.33 Pay Period Effective Total
1, 1,
Transaction Money 20XX – September Type Source 30, Deferral 457 Salary Transaction Money 30, Reduction 20XX – September Type Source Deferral 457 Salary Transaction Money Reduction Type Source
End Date 7/1/2014
Date 7/1/2014
Amount $958.33 $958.33
7/1/2014
7/1/2014
$958.33
Deferral
7/1/2014
7/1/2014
$185.15 $958.33
Dividend Deferral
7/1/2014 7/1/2014
$1,100.75 $185.15
Dividend Dividend
7/1/2014 7/1/2014
$228.56 $1,100.75 $185.15
Dividend Dividend
7/1/2014 7/1/2014
$228.56 $1,100.75 $58.99
Dividend Dividend
7/1/2014 7/1/2014 7/1/2014
$228.56 $3.72 $58.99
Dividend Dividend Dividend
7/1/2014 7/1/2014
$228.84 $3.72 $58.99
Dividend Dividend
7/1/2014
$228.84 $3.72
Dividend
Deferral
7/1/2014 $228.84 Your Beneficiary Information
Dividend
Primary Beneficiary
D1 Kentucky Bene1 Your Beneficiary Information
Primary Beneficiary
Your Beneficiary Information D1 Kentucky Bene1
Primary Beneficiary
Investment 20XX Option Price Units/Shares Fid Contra 86.3600 2.7743 Investment TRowePr Inst MdCap Eq 35.7400 6.7034 20XX Option Price Units/Shares Gr 147.8900 1.6200 Fid Contra 86.3600 2.7743 Vngrd Inst Indx Inst 62.9300 3.8071 Investment TRowePr Inst Adml MdCap Eq 35.7400 6.7034 Vngrd Wlngtn Option Price Units/Shares Gr Contra 147.8900 1.6200 401(k) Salary Fid 86.3600 2.7743 457 Salary 2.7743 Vngrd InstInst IndxMdCap Inst Eq 62.9300 3.8071 Reduction TRowePr 35.7400 6.7034 6.7034 Vngrd Wlngtn Adml Gr 147.8900 1.6200 1.6200 401(k) Salary Vngrd Fid Contra 86.3600 2.7743 Inst Indx Inst 62.9300 3.8071 3.8071 Reduction TRowePr Inst MdCap Eq 35.7400 6.7034 Vngrd Wlngtn Adml Gr 147.8900 1.6200 457 Salary Inst Indx Inst 147.8900 0.5653 401(k) Salary Vngrd Fid Contra 86.3600 2.7743 Vngrd Inst Indx Inst 62.9300 3.8071 Reduction Vngrd Wlngtn 62.9300 1.6137 TRowePr Inst Adml MdCap Eq 35.7400 6.7034 Vngrd Wlngtn Adml Gr 147.8900 1.6200 401(k) Salary Vngrd Inst Indx Inst 147.8900 4.2311 457 Salary Vngrd Inst Indx Inst 147.8900 0.5653 62.9300 3.8071 Reduction Vngrd Wlngtn Adml 62.9300 7.5482 Reduction Vngrd Wlngtn Adml 62.9300 1.6137 401(k) Vngrd Inst Indx Inst 147.8900 0.8310 401(k) Salary Vngrd Inst Indx Inst 147.8900 4.2311 457 Salary 0.5653 Rollover (Pre- Vngrd Wlngtn Adml 62.9300 1.6790 Reduction Vngrd Wlngtn Adml 62.9300 7.5482 1.6137 Tax) 401(k) Vngrd Inst Indx Inst 147.8900 0.8310 401(k) Salary 4.2311 IRA IRA Vngrd Inst Indx Inst 147.8900 0.1783 Rollover (PreVngrd Wlngtn Adml 62.9300 1.6790 Reduction 7.5482 Traditional Vngrd Wlngtn Adml 62.9300 0.5183 Tax) 401(k) Vngrd Inst Indx Inst 147.8900 0.8310 IRA IRA Roth Vngrd Inst Indx Inst 147.8900 0.0113 IRA IRA Vngrd Inst Indx Inst 147.8900 0.1783 Rollover (Pre- Vngrd Wlngtn Wlngtn Adml Adml 62.9300 1.6790 62.9300 0.0326 Traditional Vngrd Wlngtn Adml 62.9300 0.5183 Tax) IRA IRA Vngrd Inst Indx Inst 147.8900 0.6961 IRA IRA Roth Vngrd Inst Indx Inst 147.8900 0.0113 IRA IRA Vngrd Wlngtn Inst IndxAdml Inst 0.1783 Traditional Vngrd 62.9300 2.0005 Vngrd Wlngtn Adml 62.9300 0.0326 Traditional 0.5183 Rollover IRA IRA Vngrd Inst Indx Inst 147.8900 0.6961 IRA IRA Roth Vngrd Inst Indx Inst 0.0113 Traditional Vngrd Wlngtn Adml 62.9300 2.0005 0.0326 Rollover IRA IRA Vngrd Inst Indx Inst 147.8900 0.6961 Traditional Vngrd Wlngtn Adml 62.9300 2.0005 Rollover Contingent Beneficiary 100% D2 Kentucky Bene2 D3 Kentucky Bene3 Contingent D3 Kentucky Beneficiary Bene4 100% D2 Kentucky Bene2 D3 Kentucky Beneficiary Bene3 Contingent D3 100% D2 Kentucky Kentucky Bene4 Bene2
D1 Kentucky Bene1– September 30, 20XX Your Loan Information - July 1, 20XX
Outstanding Information Your Loan Loan Information - July
1, 20XX – September 30, 20XX
Plan Type 457(b) Plan
Your Loan Loan Information - July Outstanding Information
1, 20XX – September 30, 20XX
Loan Balance On Principal Loan Activity 07/01/2013 this Period Number Paid Principal 200909090 $49,258.13 $2,261.61 Loan Balance On Principal Number Paid 07/01/2013 200909090 $49,258.13 $2,261.61
Loan Adjustment Principal $0.00 Loan Adjustment $0.00
Loan Number 90909090
Issue Date 07/23/2012
Loan Issue Plan Type Number Date Outstanding Information 457(b) Plan 90909090 07/23/2012 Loan ActivityLoan this Period Loan Issue Principal Plan Type NumberOn Date Loan Balance Principal 457(b) Plan 90909090 07/23/2012 Number Paid Loan Activity 07/01/2013 this Period 200909090 $49,258.13 $2,261.61 Principal
Maturity Date 07/23/2017
Maturity Date 07/23/2017 Maturity Principal Date Loan 07/23/2017 Adjustment $0.00 Principal
Your Personalized Rate of Return
Your Personalized Rate of Return
Original Loan Amount $50,000.00
Original Loan Amount $50,000.00 Original Principal Loan Amount Loan Principal $50,000.00 Disbursement Offset $0.00 $0.00 Principal Loan Disbursement Principal $0.00 Loan Disbursement Last $0.00
Principal Offset $0.00 Principal Offset 12 Months $0.00
6.85%
Interest Rate 4.25%
D3 Kentucky Bene3 D3 Kentucky Bene4
Last Payment (Princ/Int) $924.65
Last Payment Date 9/25/2013
Amount Per Fund Amount $239.59 Per $239.58 Fund $239.58 Amount $239.59 $239.58 Per $239.58 Fund $239.58 $239.59 $239.59 $239.58 $239.58 $239.58
Principal Loan Paid $2,261.61 Principal Paid $2,261.61
This section itemizes each activity conducted in your accounts, displayed by the date it occurred. You can see each transaction type by investment option, the price at which the option was acquired or sold, and the number of shares affected. “Transaction Types” include:
$239.58 $239.58 $239.59 $239.58 $239.58 $239.58 $239.58 $83.60 $239.59 $239.58 $101.55 $239.58
$239.58 $625.74 $83.60 $239.58 $475.01 $101.55 $122.90 $625.74 $83.60 $105.66 $475.01 $101.55 $122.90 $625.74 $26.37 $105.66 $475.01 $32.62 $122.90 $1.67 $26.37 $105.66 $2.05 $32.62 $102.95 $1.67 $26.37 $125.89 $2.05 $32.62 $102.95 $1.67 $125.89 $2.05 $102.95 $125.89 34% 33% 33% 34% 33% 33% 34%
• Contributions • Withdrawals • Exchanges among investment options • Interest, dividends, capital gains, and mutual fund reimbursements • Plan charges deducted from your account(s)
• Your Loan Information If you have taken a loan from your account(s), your payments and how that money was applied to your loan will be detailed here. Any defaulted loans will show here until they are paid back or offset.
• Your Personalized Rate of Return
33% 33%
This section shows by percentage how much your account(s) gained or lost over the last 12 months. It includes a brief explanation of how the rate of return is calculated.
Loan Status Active
Interest Last Payment Last Payment Rate (Princ/Int) Date Loan Status 4.25% $924.65 9/25/2013 Active Loan Payments this Period Interest Last Payment Last Payment Principal Finance Rate On (Princ/Int) InterestDate Charges Loan Status Balance Total Principal 4.25% $924.65 9/25/2013 Active Paid Payments Paid PaidPeriod Payment 09/30/2013 Loan this $46,996.52 $512.34 $0.00 $2,773.95 Principal $2,261.61 Finance Balance On 09/30/2013 Principal $46,996.52 Balance On 09/30/2013 $46,996.52
• Transaction Details
Interest
Charges
Total
$512.34 Interest Paid $512.34
Finance $0.00 Charges Paid $0.00
$2,773.95 Total Payment $2,773.95
Payments this Paid PaidPeriod Payment
Important Disclosures Beneath this heading are detailed explanations about terminology and information we are required to provide by law or regulation. We are committed to full transparency.
Months This return measures the performance of your investment options, Last net of12 fees, but excludes any amounts such as outstanding plan loans, amounts held in Your Personalized Rate of Return 6.85% a self-directed brokerage option and certain administrative fees that may apply, only to your account, for the time period indicated, or the life of your account, whichever is shorter. Please see your most recent quarterly participant statement for more information. Past performance is no guarantee of Last 12 Months This return measures the performance of your investment options, net of fees, but excludes any amounts such as outstanding plan loans, amounts held in future results.WWW.KENTUCKYDCP.COM 6.85% a self-directed brokerage option and certain administrative fees that may apply, only to your account, for the time period indicated, or the life of your account, whichever is the shorter. Please see yourinvestment most recentoptions, quarterly statement more information. performance is no guarantee of in This return measures performance of your netparticipant of fees, but excludesfor any amounts such asPast outstanding plan loans, amounts held future results.WWW.KENTUCKYDCP.COM a self-directed brokerage option and certain administrative fees that may apply, only to your account, for the time period indicated, or the life of your account, whichever is shorter. Please see your most recent quarterly participant statement for more information. Past performance is no guarantee of future results.WWW.KENTUCKYDCP.COM
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6 | How to Read Your Statement
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The Nationwide Group Retirement Series includes unregistered group fixed and variable annuities and trust programs. The unregistered group fixed and variable annuities are issued by Nationwide Life Insurance Company. Trust programs and trust services are offered by Nationwide Trust Company, FSB a division of Nationwide Bank. Nationwide Investment Services Corporation, member FINRA. In MI only: Nationwide Investment Svcs. Corporation. Nationwide Mutual Insurance Company and Affiliated Companies, Home Office: Columbus, OH 43215-2220. Nationwide, the Nationwide N and Eagle and Nationwide is on your side are service marks of Nationwide Mutual Insurance Company. © 2015 Nationwide NRM-3283AO.1 (07/15)