<html><body><div style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000"><div data-marker="__QUOTED_TEXT__"><div style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000" data-mce-style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000;"><div><div style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000" data-mce-style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000;"><div><div style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000" data-mce-style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000;"><div style="font-family: arial,helvetica,sans-serif; font-size: 12pt; color: #000000" data-mce-style="font-family: arial,helvetica,sans-serif; font-size: 12pt; color: #000000;"><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 18.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 18.0pt; font-family: 'Times New Roman','serif';">TIAA-CREF 401(k) GSRA Open Enrollment Begins Today</span></strong><br></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><br></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';"><br></span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">The 401(k) Group Supplemental Retirement Annuity (GSRA) Open enrollment for Calendar Year 2017 will be offered from <strong>November 30, 2016 through</strong> <strong>December 9, 2016. </strong>All elections will be reflected in the January 13, 2017, paycheck. Web-based enrollment is offered for your convenience. </span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">To access the 401(k) GSRA enrollment link, go to the Lab's Insight page, under <em>Announcements</em>. Or you may follow this link: <a href="https://misportal.jlab.org/mis/apps/hr/gsra_enrollment/" target="_blank" data-mce-href="https://misportal.jlab.org/mis/apps/hr/gsra_enrollment/">https://misportal.jlab.org/mis/apps/hr/gsra_enrollment/</a></span><br></p><p style="margin: 0px; line-height: normal;" data-mce-style="margin: 0px; line-height: normal;"><br></p><p style="margin: 0px; line-height: normal;" data-mce-style="margin: 0px; line-height: normal;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">DO YOU NEED TO ENROLL?</span></strong></p><ul><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">If you wish to contribute more or less than the 5% default contribution, or opt-out of this program, <em>you must enter the on-line system no later than close of business (5:00pm) on December 9. </em></span></li></ul><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">WHAT HAPPENS IF YOU DO NOT ENROLL?</span></strong></p><ul><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">If you <strong>do not</strong> enter the on-line system prior to close of business (5:00pm) on Thursday, December 9 you will automatically be enrolled in the default employee 5 % contribution plan that is based on your current salary. </span></li></ul><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 13.5pt; font-family: 'Times New Roman','serif'; color: red;" data-mce-style="font-size: 13.5pt; font-family: 'Times New Roman','serif'; color: red;">Important Updates</span></strong><span style="font-size: 13.5pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 13.5pt; font-family: 'Times New Roman','serif';">:</span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><br></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">2017 Annual Contribution Limits Remain Static:</span></strong></p><ul><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Voluntary Employee Contribution - $18,000</span></li><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Catch-Up Allowance (50+ years of age) an additional $6,000, totaling $24,000 maximum</span></li><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Total annual maximum contribution from the employee and employer is $53,000</span></li></ul><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Participant Loan Provisions will change as of January 1, 2017:</span></strong></p><ul><li><span style="font-family: "times new roman", "new york", times, serif;" data-mce-style="font-family: 'times new roman', 'new york', times, serif;">Effective, January 1, 2017, the TIAA-CEF 401(k) loan policy has been amended. The most significant amendment is highlighted below:</span></li><li><span style="font-family: "times new roman", "new york", times, serif;" data-mce-style="font-family: 'times new roman', 'new york', times, serif;">Participant may have no more than 3 loans outstanding at one time and no more than 1 loan may be issued in any rolling 12-month period.</span></li><li><span style="font-family: "times new roman", "new york", times, serif;" data-mce-style="font-family: 'times new roman', 'new york', times, serif;">Please review the attached new participant loan policy for full details.</span></li></ul><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><strong><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Safe Harbor Plan Participant Notice and 2015 Summary Annual Report:</span></strong><br></p><ul><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Jefferson Lab is required to provide you with the 401(k) Safe Harbor non-elective contribution arrangement and the 2015 Summary Annual Report which describes plan related rules along with the plan financial statement. </span></li><li style="line-height: normal; tab-stops: list .5in;" data-mce-style="line-height: normal; tab-stops: list .5in;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Please review the attached Safe Harbor Notice and the Summary Annual Report </span></li></ul><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">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 style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><br></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">If you have questions, please contact Treva Ferguson (x 7291).</span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 10.0pt; font-family: 'Arial','sans-serif';" data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';"> </span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 10.0pt; font-family: 'Arial','sans-serif';" data-mce-style="font-size: 10.0pt; font-family: 'Arial','sans-serif';"><br></span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Regards,</span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Rhonda Barbosa</span></p><p style="line-height: normal; margin: 0px;" data-mce-style="line-height: normal; margin: 0px;"><span style="font-size: 12.0pt; font-family: 'Times New Roman','serif';" data-mce-style="font-size: 12.0pt; font-family: 'Times New Roman','serif';">Human Resources</span></p><p style="margin: 0px;" data-mce-style="margin: 0px;"> <br><br></p></div></div></div></div></div></div><br></div></div></body></html>