My Retirement Bene昀椀ts 403(b) Savings Plan » Employer Contribution: If you work at least 1,000 hours and are employed on the last day of the year, you are eligible for a core contribution of 2% of your pay into your 403(b) account – FMOLHS will make a core contribution if you meet the requirements for hours worked and employment as of the last day of the calendar year even if you choose not to contribute your own money into the account. – Employer core contribution will be made annually » New Hires: You will be automatically enrolled at 4%. You may change your deferral rate or opt-out at any time. » You may elect to contribute anywhere from 1% to 100% directly from your paycheck, pre-tax or Roth after-tax; you are always 100% vested in your contributions Employer Match Contribution Account » You are eligible if you are contributing to the 403(b). » You must work at least 1,000 hours and be employed on the last day of the calendar year to be eligible. » FMOLHS will provide a 50% matching contribution for each dollar you contribute to the 403(b) plan, up to the 昀椀rst 6% (3% maximum). » Matching contributions will be made annually Vesting » FMOLHS employer and matching contributions are 100% vested after 3 years of service. Note You will enroll and manage your retirement accounts — 403(b) and 457(b) — directly on the Lincoln Financial website at LincolnFinancial.com/FMOLHS. 45