
<html><body><div style="font-family: arial, helvetica, sans-serif; font-size: 12pt; color: #000000"><div data-marker="__QUOTED_TEXT__"><br><center><table align="center" border="0" cellpadding="0" cellspacing="0" width="100%" id="bodyTable" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height: 100%;margin: 0;padding: 0;width: 100%;background-color: #FAFAFA;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; background-color: #fafafa;"><tbody><tr><td align="center" valign="top" id="bodyCell" style="padding-bottom: 40px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;height: 100%;margin: 0;padding: 0;width: 100%;border-top: 0;" data-mce-style="padding-bottom: 40px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; margin: 0; padding: 0; width: 100%; border-top: 0;"><table border="0" cellpadding="0" cellspacing="0" width="100%" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" id="templatePreheader" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #26ABE2;border-top: 0;border-bottom: 0;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #26abe2; border-top: 0; border-bottom: 0;"><tbody><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="640" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="preheaderContainer" style="padding-top: 9px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; padding-bottom: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody class="mcnTextBlockOuter"><tr><td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 416px;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer" data-mce-style="max-width: 416px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="mcnTextContent" style="padding-top: 0;padding-left: 18px;padding-bottom: 9px;padding-right: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #FAFAFA;font-family: Helvetica;font-size: 10px;line-height: 125%;text-align: left;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #fafafa; font-family: Helvetica; font-size: 10px; line-height: 125%; text-align: left; padding: 0 18px 9px 18px;">JLab Internal Memo</td></tr></tbody></table><table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 224px;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer" data-mce-style="max-width: 224px; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="mcnTextContent" style="padding-top: 0;padding-left: 18px;padding-bottom: 9px;padding-right: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #FAFAFA;font-family: Helvetica;font-size: 10px;line-height: 125%;text-align: left;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #fafafa; font-family: Helvetica; font-size: 10px; line-height: 125%; text-align: left; padding: 0 18px 9px 18px;"></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" id="templateHeader" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #FAFAFA;border-top: 0;border-bottom: 0;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; border-top: 0; border-bottom: 0;"><tbody><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="640" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="headerContainer" style="padding-top: 9px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; padding-bottom: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnImageBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody class="mcnImageBlockOuter"><tr><td valign="top" style="padding: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" class="mcnImageBlockInner" data-mce-style="padding: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table align="left" width="100%" border="0" cellpadding="0" cellspacing="0" class="mcnImageContentContainer" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td class="mcnImageContent" valign="top" style="padding-right: 9px;padding-left: 9px;padding-top: 0;padding-bottom: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 9px 0 9px;"><a href="http://www.jlab.org" title="" class="" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-href="http://www.jlab.org" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"> <img align="left" alt="" width="376.5" style="max-width: 753px;padding-bottom: 0;display: inline !important;vertical-align: bottom;border: 0;height: auto;outline: none;text-decoration: none;-ms-interpolation-mode: bicubic;" class="mcnImage" data-mce-style="max-width: 753px; padding-bottom: 0; display: inline !important; vertical-align: bottom; border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic;" src="https://gallery.mailchimp.com/1de9c43e6d5e45ff0ecd664cd/images/e6203673-8394-4ed6-8d7b-dc3fa3383708.jpg"> </a></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" id="templateBody" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #FAFAFA;border-top: 0;border-bottom: 0;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; background-color: #fafafa; border-top: 0; border-bottom: 0;" data-mce-selected="1"><tbody><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="640" class="templateContainer" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="bodyContainer" style="padding-top: 9px;padding-bottom: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; padding-bottom: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody class="mcnTextBlockOuter"><tr><td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer" data-mce-style="max-width: 100%; min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="mcnTextContent" style="padding: 0px 18px 9px;color: #222222;font-family: Arial, "Helvetica Neue", Helvetica, sans-serif;font-size: 16px;line-height: 100%;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;text-align: left;" data-mce-style="padding: 0px 18px 9px; color: #222222; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 16px; line-height: 100%; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; text-align: left;"><strong><span style="font-size:18px" data-mce-style="font-size: 18px;">INTERNAL MEMO</span></strong></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnDividerBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;table-layout: fixed !important;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; table-layout: fixed !important;"><tbody class="mcnDividerBlockOuter"><tr><td class="mcnDividerBlockInner" style="min-width: 100%;padding: 0px 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; padding: 0px 18px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table class="mcnDividerContent" border="0" cellpadding="0" cellspacing="0" width="100%" style="min-width: 100%;border-top: 4px solid #AA1D1D;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-top: 4px solid #AA1D1D; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><span></span></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody class="mcnTextBlockOuter"><tr><td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer" data-mce-style="max-width: 100%; min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="mcnTextContent" style="padding: 0px 18px 9px;font-family: Arial, "Helvetica Neue", Helvetica, sans-serif;font-size: 14px;line-height: 150%;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #202020;text-align: left;" data-mce-style="padding: 0px 18px 9px; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; text-align: left;"><strong>November 28, 2017<br> Sent on behalf of Human Resources <br> <br> SUBJECT: JSA 2017 TIAA-CREF 401K Open Enrollment Begins Today</strong><br> <strong>CONTACT: Treva Ferguson, x7291, </strong><a href="mailto:treva@jlab.org" target="_blank" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #26ABE2;font-weight: normal;text-decoration: underline;" data-mce-href="mailto:treva@jlab.org" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #26abe2; font-weight: normal; text-decoration: underline;">treva@jlab.org</a></td></tr></tbody></table></td></tr></tbody></table><table border="0" cellpadding="0" cellspacing="0" width="100%" class="mcnTextBlock" style="min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody class="mcnTextBlockOuter"><tr><td valign="top" class="mcnTextBlockInner" style="padding-top: 9px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="padding-top: 9px; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table align="left" border="0" cellpadding="0" cellspacing="0" style="max-width: 100%;min-width: 100%;border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" width="100%" class="mcnTextContentContainer" data-mce-style="max-width: 100%; min-width: 100%; border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><tbody><tr><td valign="top" class="mcnTextContent" style="padding-top: 0;padding-right: 18px;padding-bottom: 9px;padding-left: 18px;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;word-break: break-word;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;"><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;">The 401(k) Group Supplemental Retirement Annuity (GSRA) Open enrollment for Calendar Year 2018 will be offered from <strong>November 28, 2017 through</strong> <strong>December 11, 2017.  </strong>All elections will be reflected in the January 12, 2018, paycheck. Web-based enrollment is offered for your convenience. </p><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;">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" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #26ABE2;font-weight: normal;text-decoration: underline;" data-mce-href="https://misportal.jlab.org/mis/apps/hr/gsra_enrollment/" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #26abe2; font-weight: normal; text-decoration: underline;">https://misportal.jlab.org/mis/apps/hr/gsra_enrollment/</a></p><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><br> <strong>DO YOU NEED TO ENROLL?</strong></p><ul><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">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 Monday, December 11.</em></li></ul><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><strong>WHAT HAPPENS IF YOU DO NOT ENROLL?</strong></p><ul><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">If you <strong>do not</strong> enter the on-line system prior to close of business (5:00pm) on Monday, December 11 you will automatically be enrolled in the default employee 5 % contribution plan that is based on your current salary. </li></ul><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><br> <strong><em><span style="color:#FF0000" data-mce-style="color: #ff0000;">Important Updates!</span></em></strong></p><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><strong>2018 Annual Contribution Limits Increased from $18,000 to $18,500 ($500 additional dollars)</strong></p><ul><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Voluntary Employee Contribution = $18,500</li><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Catch-Up Allowance (50+ years of age) an additional $6,000, totaling $24,500 maximum</li><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Total annual maximum contribution from the employee and employer = $55,000</li></ul><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><strong>Participant Loan Provisions are as follows:</strong></p><ul><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">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.</li></ul><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;"><strong>Annual Safe Harbor Plan Participant Notice and 2016 Summary Annual Report:</strong></p><ul><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">JSA is required to provide you with the 401(k) Safe Harbor non-elective contribution arrangement and the 2016 Summary Annual Report which describes plan related rules along with the plan financial statement</li><li style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">Please review the attached <em>Safe Harbor Notice</em> and the <em>Summary Annual Report</em> for additional details</li></ul><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;">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.</p><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;">If you have questions, please contact Treva Ferguson (x 7291).<br>  </p><p style="margin: 10px 0;padding: 0;mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;color: #202020;font-family: Helvetica;font-size: 14px;line-height: 150%;text-align: left;" data-mce-style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Helvetica; font-size: 14px; line-height: 150%; text-align: left;">Rhonda Barbosa<br> Human Resources Director<br>  </p></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><tr><td align="center" valign="top" style="mso-line-height-rule: exactly;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;" data-mce-style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;"><table border="0" cellpadding="0" cellspacing="0" width="100%" id="templateFooter" style="border-collapse: collapse;mso-table-lspace: 0pt;mso-table-rspace: 0pt;-ms-text-size-adjust: 100%;-webkit-text-size-adjust: 100%;background-color: #FAFAFA;border-top: 0;border-bottom: 0;" data-mce-style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust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