Overview

The NUSCO 401k Plan is administered through Fidelity Investments. A total of 20 funds are currently available through the 401k standard account feature plus you have the added flexibility and opportunity to select from thousands of mutual funds and other investment options, such as stocks, bonds and certificates of deposits through the brokerage link account. To help make your investment selection potentially easier, the funds are arranged in the following four tiers:

• Tier 1 - Lifestyle investment options
• Tier 2 - Core Investment options
• Tier 3 - Specialty Investment options
• Tier 4 - Self Directed Brokerage Link account

Tier I Lifestyle Investment Options

• Fidelity Freedom Income Fund
• Fidelity Freedom 2000 Fund
• Fidelity Freedom 2010 Fund
• Fidelity Freedom 2020 Fund
• Fidelity Freedom 2030 Fund
• Fidelity Freedom 2040 Fund

Tier II Core Investment Options

• Fixed Income Fund
• Frank Russell Global Balance Fund
• Fidelity Magellan Fund
• Spartan U.S. Equity Index Fund
• Frank Russell Small Capitalization Fund
• Morgan Stanley Institutional Fund, Inc. - International Equity Portfolio

Tier III Specialty Investment Options

• Hartford Dividend and Growth HLS Fund - Class 1A
• Lord Abbett Mid-Cap Value Fund - Class Y
• Fidelity Low-Priced Stock Fund
• Fidelity Growth Company Fund
• Fidelity Mid-Cap Stock Fund
• Lord Abbett Developing Growth Fund (Y Shares)
• Morgan Stanley Institutional Fund, Inc. - Emerging Markets Portfolio - Class A
• NU Common Shares Fund

Tier IV Self-Directed Brokerage

You can access your account online through Fidelity at www.401k.com or by calling the NUSCO 401k Plan Service Center at 1-800-261-4015 to speak with a service representative from 8:30 a.m. to 12 midnight Eastern Time, Monday through Friday.