<html><head><style type='text/css'>p { margin: 0; }</style></head><body><div style='font-family: trebuchet ms,sans-serif; font-size: 12pt; color: #000000'><style>p { margin: 0; }</style><div style="font-family: arial,helvetica,sans-serif; font-size: 10pt; color: #000000">
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">Attention All Regular and Term
Employees: </span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""> </span></p>
<p class="MsoNormal" style="text-align: center; line-height: normal;" align="center"><b><u><span style="font-size: 12pt; font-family: "Times New Roman","serif";">TIAA-CREF
401(k) GSRA Open Enrollment Begins Today <br></span></u></b></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:
auto;text-align:center;line-height:normal" align="center"><br><b><u><span style="font-size:12.0pt;
font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman""></span></u></b><span style="font-size:
12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:"Times New Roman""></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;margin-bottom:12.0pt;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">The 401(k) Group Supplemental
Retirement Annuity (GSRA) Open enrollment for Calendar Year 2013,<a name="_GoBack"></a> will be offered from <b>December 4, 2012 through</b> <b>December
14, 2012.</b></span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">Human Resources will be providing
web-based enrollment for your convenience. To access the 401(k) GSRA enrollment
link, go to the Lab's Insight page, under Spotlight News. Or follow this link:</span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><a href="https://mis.jlab.org/mis/apps/hr/gsra_enrollment/" target="_blank"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman";color:blue">https://mis.jlab.org/mis/apps/hr/gsra_enrollment/</span></a><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman""></span></p>
<p class="MsoNormal" style="margin-bottom: 0.0001pt; line-height: normal;"><b><span style="font-size: 12pt; font-family: "Times New Roman","serif";"><br></span></b></p><p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">DO YOU NEED TO ENROLL?</span></b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman""></span></p>
<ul type="disc"><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l0 level1 lfo1;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">If you wish to contribute more or less than the 5%
default contribution, or opt-out of this program, you must enter the
on-line system no later than close of business (5:00pm) on December 14. </span></li></ul>
<p class="MsoNormal" style="margin-bottom:0in;margin-bottom:.0001pt;line-height:
normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""><br>
<b>WHAT HAPPENS IF YOU DO NOT ENROLL?</b> </span></p>
<ul type="disc"><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l1 level1 lfo2;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">If you <b><u>do not</u></b> enter the on-line system
prior to close of business (5:00pm) on Wednesday, December 14, you will
automatically be enrolled in the default employee 5 % contribution plan that
is based on your current salary. </span></li></ul>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""> </span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><u><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman";color:red">Important Updates</span></u></b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">:</span></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">2013 Contribution Limits:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman""></span></p>
<ul type="disc"><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">Voluntary Employee Contribution - $17,500</span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l3 level1 lfo3;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">Catch-Up Allowance (50+ years of age) - an additional
$5,500</span></li></ul>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""> </span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">Safe Harbor Plan Participant Notice:</span></b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman""></span></p>
<ul type="disc"><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l2 level1 lfo4;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">Please review the attached Safe Harbor Notice </span></li><li class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal;mso-list:l2 level1 lfo4;tab-stops:list .5in"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman"">Jefferson Lab is required to provide you with the
401(K) Safe Harbor non-elective contribution which describes plan related
rules</span></li></ul>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""> </span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><b><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">Fiscal Cliff Information:</span></b></p>
<p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman";mso-bidi-font-weight:bold">The
Pension Protection Act of 2006 protects provisions to retirement plans. In
consultation with TIAA-CREF’s representative, it is our understanding that Congress
would be required to revise the retirement plan rules with future legislation
in order for the fiscal cliff to affect the 401(k) plan.</span><span style="font-size:12.0pt;font-family:"Times New Roman","serif";mso-fareast-font-family:
"Times New Roman""></span></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: "Times New Roman","serif";"> <br>
If you have questions, please contact Treva Ferguson (x 7291) or Doug Roeder (x
7576). You can change your contribution amount any time during the year
by submitting a new Salary Reduction Agreement form. These forms are located in
the Human Resources Office in the SSC building</span></p><p class="MsoNormal" style="line-height: normal;"><br><span style="font-size: 12pt; font-family: "Times New Roman","serif";"></span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman""><br> </span></p>
<p class="MsoNormal" style="line-height: normal;"><span style="font-size: 12pt; font-family: "Times New Roman","serif";">Regards,<br>
Rhonda</span></p><p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;
line-height:normal"><span style="font-size:12.0pt;font-family:"Times New Roman","serif";
mso-fareast-font-family:"Times New Roman"">Human Resources<br></span></p>
<br></div></div></body></html>