Disclaimer

This is a simple mathematical calculator. It is not a guarantee of future returns. All investments (including the ESOP and 401(k)) are subject to risk. The potential for loss (or gains) may be greater than calculated. This calculator is not intended to provide tax, investment, or legal advice.

Please also keep in mind the following:

• Results using the calculator may change over time based on your inputs and as we update our assumptions.


• Our assumptions may not be correct or accurately project market conditions, inflation, or tax rates.


• The calculator also does not take into account IRS or plan contribution limits, which may result in an overestimate of benefits.


• The calculator does not take into account taxes you may owe or that may be withheld at distribution. These will affect how much of the benefits you actually receive.


• The operation of the plans and the benefits to which you (or your beneficiaries) may be entitled will be governed solely by the terms of the official plan documents. To the extent that any of the information in this calculator or any information you receive orally is inconsistent with the official plan documents, the provisions set forth in the plan documents will govern in all cases.