Important Notice Regarding 401(K) Contribution Limits in 2013

IMPORTANT NOTICE REGARDING 401(K) CONTRIBUTION LIMITS IN 2013

Congratulations to all participants who have participated in their retirement plan! The secret to any successful savings program is consistent saving and investing. Your plan gives you a great opportunity to make savings a part of your overall budget and to pay first the most important person you know … you!

Effective January 1, 2013, the maximum amount you can contribute to a 401(k) plan is $17,500.

If you are age 50 or older anytime in 2013, you may contribute an additional $5,500 for a maximum contribution of $23,000 to your 401(k) plan.

[Note: Due to required discrimination compliance testing, if you are a highly compensated employee (defined for 2013 testing purposes as an employee earning more than $115,000 in 2012) your contributions may be limited.]

Don’t Miss Out! We encourage you to contribute the maximum amount to the 401(k) plan. Should you wish to increase your contribution, simply visit your service provider's website or complete the appropriate paperwork at the Human Resources Department. You are allowed to increase your 401(k) contribution periodically, and chances are that you are allowed to make the change effective for January 1, 2013.

Need Help? If you have any questions or need assistance, please contact Diversified Investment Services at 800- 660-8141 x224 or email [email protected].

Thank you and we hope you take full advantage of your company’s retirement plan and all it has to offer!

Best regards,

Sean L. McCarty, AIF® Larry M. McCarty, CPA AIF® Financial Advisor Financial Advisor DIVERSIFIED INVESTMENT SERVICES, INC. DIVERSIFIED INVESTMENT SERVICES, INC. 180 North Riverview Dr., Ste 220 180 North Riverview Dr., Ste 220 Anaheim Hills, CA 92808 Anaheim Hills, CA 92808 email: [email protected] email: [email protected] phone: (714) 974-4500 X224 phone: (714) 974-4500 X215 fax: (714) 974-7943 fax: (714) 974-7943 Skype: dis.seanmccarty Skype: dis.larrymccarty

A referral is the greatest compliment I can receive.

We recommend that you never send via email any instructions pertaining to a securities transaction, such as buying or selling an investment, or making a deposit or withdrawal from your account. Instead, please telephone our office and speak with someone personally. Due to the limitations of technology, as well as privacy concerns, for your own protection, we cannot accept orders via email or voicemail.

This message is confidential and intended for the private use of the recipient. If you are not the intended recipient, please delete this message and inform me of this transmission error. Larry McCarty (CA Insurance License # 0B16131) and Sean McCarty are Registered Representatives and Investment Adviser Representatives with/and Offer Securities and Advisory Services through Commonwealth Financial Network.

RPAG-2012-12