Your Enrolment Guide

Welcome to the Adobe Group Registered Retirement Savings Plan Today, Adobe is the global leader in digital marketing and digital media solutions - an achievement made possible by the passion and dedication shown by Adobe employees. To recognize your efforts, Adobe has established a comprehensive employee benefits program that can help you make a plan to achieve financial security at retirement. This guide provides you with information about the plan and instructions for how to enrol in the plan online. Advantages of the Adobe Group Registered Retirement Savings Plan

To help ensure you are prepared for life after work, Adobe has taken the first step toward helping you save for your retirement by offering you a Registered Retirement Savings Plan (RRSP). Now, it’s up to you to take the next step and join. Your RRSP provides benefits that may not be available to you through an individual savings or investment account.

ƒƒA convenient way to save – Making regular contributions directly from ƒƒLeading fund managers – Through your group plan, you have access to some of your pay, before money ever reaches your bank account, makes it easier to the world’s leading fund managers and their funds. Many of these funds aren’t commit to saving consistently. Even if the amount you contribute each time available to individual investors. is small – and is an amount you’re not likely to miss – it can grow very nicely ƒƒSecure website and telephone account access – Manage your account and over the long term. investments using the service option you prefer. Access your account via the secure ƒƒImmediate tax reduction – Regular payroll contributions to registered plans member website and/or the Customer Service Centre. are taken from your gross pay before payroll taxes are calculated. This ƒƒEasy-to-read statements – Manulife’s statements provide updates on your savings immediately reduces the amount of your income that’s taxed. You’ll only and include tips and reminders to help you build an effective retirement savings pay income tax on the remaining portion of your salary, so you’ll enjoy tax plan. savings on each and every pay cheque throughout the year. ƒƒConsolidate your savings – You can transfer accounts you hold at other ƒƒTax-deferred growth – Growth you realize in registered plans occurs in a institutions to your group program, allowing you to enjoy a consolidated view of tax-sheltered environment until you withdraw funds from the plan. your retirement savings. ƒƒLower Investment Management Fees – Take advantage of the competitive investment management fees (IMFs) offered by your group plan. Lower IMFs leave more of your savings in your account. Here’s what you need to do…

Step 1: Learn about the plan Details of the Adobe Group Registered Retirement Savings Plan (RRSP) appear below. Please note: These are subject to change by Adobe.

Registered Retirement Savings Plan

Policy number 20004011

Regular and intern employees who work at least 20 hours per week are eligible to participate in the plan. Who is eligible to join this plan? Part-time and temporary employees are not eligible to participate in the plan. It is not mandatory that you join the plan. However if you do not enrol, you will be automatically enrolled in the plan Do I have to join? after 60 days of your date of hire. If you do not wish to be enrolled, please contact Manulife before the 60-day mark.

When can I join? You can join the plan immediately upon hire.

You can contribute up to 18% of your earnings up to the Canada Revenue Agency (CRA) maximum limit. For the purpose of this plan, your earnings include your base salary and commissions. The CRA maximum limit is the lesser of 18% of your previous year’s earnings and the annual dollar limit, minus any applicable pension adjustments, plus any pension adjustment reversals and plus your unused contribution room from previous years. Both your contributions (to this RRSP and any other RRSP) and Adobe’s contributions count towards the limit. To confirm the annual maximum limit, go to Canada.ca. To confirm your personal contribution room review your latest notice of assessment or notice of reassessment sent to you by CRA after they processed your income tax or How much do I contribute? access your account at Canada.ca. For income tax purposes, Manulife will send you RRSP receipts for contributions made to your account. To print duplicate RRSP contribution tax receipts, sign in to your account at Manulife.ca/GRO and select Duplicate Tax Receipts/Slips from My Account. Manulife’s RRSP Contribution Limit Monitoring service can help you stay within your limit. When you activate this service on your account, you will be asked to confirm your maximum contribution limit for the year. If your contributions reach 85% of this limit, Manulife will send you an email advising that you are approaching your limit. You can choose to defer a percent from your Annual Incentive Plan Bonus to your RRSP, by accessing your account and electing a deferral percent in advance of the payment each year. Here’s what you need to do…

Step 1: Learn about the plan continued Details of the Adobe Group Registered Retirement Savings Plan (RRSP) appear below. Please note: These are subject to change by Adobe.

Registered Retirement Savings Plan

Adobe will match 100% Your contributions Adobe contributions of the first 2% of your 1% 1% earnings you contribute to 2% 2% Adobe will not the plan, and 50% of the match contributions How much does Adobe contribute? 3% 2.5% next 4% of your earnings in excess of 6% of you contribute, up to a 4% 3% your earnings. maximum contribution by 5% 3.5% Adobe of 4% of earnings. 6% 4%

Who decides how my contributions will be invested? You do. Can I transfer money into the plan? Yes, you may transfer money from another registered plan into this plan. Learn more. Can I take money out of the plan while I am employed Yes, you can take money out of the plan while you are employed, though RRSP withdrawals are subject to with Adobe? applicable taxes. You can withdraw any of your contributions, but none of the contributions made by Adobe. Can I make additional one-time contributions? Yes, lump-sum payments are accepted. Lump-sum contributions are not matched by Adobe. What happens if I leave or retire from Adobe? The full value of your account belongs to you. What happens if I die while employed with Adobe? Your beneficiary or beneficiaries will be entitled to your account as specified. Yes, if you would like to establish a Spousal RRSP, both you and your spouse or common-law partner will need to enrol in the RRSP. You can get an RRSP Application form for your spouse/common-law partner by contacting Manulife at 1-888-727-7766 or by visiting manulife.ca/GRO. The contributions you make to a spousal RRSP can be deducted from your current taxable income just like contributions you make to your own RRSP. However, your spouse or common-law partner is the owner of the spousal Does this plan allow Spousal RRSP accounts? RRSP and is entitled to all the proceeds. If your spouse or common-law partner withdraws any funds from the spousal RRSP, any contributions you made in the current year and two preceding years will become taxable to you. You may divide your contributions between your RRSP and the spousal RRSP but the combined total cannot exceed your personal contribution limit. Your spouse or common-law partner does not require any earned income in order to set up a spousal RRSP. Step 2: Review the investments available With the Adobe RRSP, you have two easy investment options. This guide offers you the tools you need to decide which funds suit your individual needs. You will have access to details about each investment when you follow the enrolment process online.

Retirement Date Funds offer a well-balanced investment portfolio of equity and bonds in a single fund. Initially, the fund is managed to maximize growth. However, as the fund approaches the target date – and you approach retirement – the fund will gradually rebalance its asset allocation, reducing its risk to become more conservative.

If you prefer to Build Your Own Portfolio, you can do this by choosing from the funds offered through the plan. First, determine your investor style using the Investor Strategy Worksheet found online.

Want to learn more about investments? View the online learning module at manulife.ca/investmentbasics. Funds offered in the Adobe Group Registered Retirement Savings Plan.

Type of fund Fund code Registered Retirement Savings Plan IMF Retirement Date Funds 2015 - 2050 MLI Retirement Date Funds 0.420% Money Market 3191 MLI Daily High Interest 0.420% 2312 MLI BlackRock Balanced Moderate Index Fund 0.495% Balanced 5631 MLI Beutel Goodman Balanced Fund 0.735% 5233 MLI CI Signature Canadian Balanced Fund 0.720% 4191 MLI Asset Management Canadian Bond Index Fund 0.490% Fixed Income 4271 MLI PH&N Bond Fund 0.610% 7132 MLI Asset Management Canadian Equity Index Fund 0.500% Canadian Equity 7381 MLI FGP Small Cap Canadian Equity Fund 0.625% 7451 MLI Mawer Canadian Equity Fund 0.620% 8196 MLI US Diversified Growth Equity (Wellington) 0.765% U.S. Equity 8322 MLI BlackRock U.S. Equity Index Fund 0.480% 8321 MLI BlackRock International Equity Index Fund 0.550% International Equity 8452 MLI Mawer World Investment 0.580% GIA 1005 MLI 5 year GIA –

If you do not provide investment instructions, contributions will be deposited into the plan’s default investment fund, the Manulife Retirement Date Fund that most closely matches the year that you turn 60 years old. If your date of birth is not on file, your contributions will be invested in the MLI BlackRock Balanced Moderate Index Fund (fund code 2312). You are strongly encouraged to take an active role in how your retirement savings are invested to ensure you have invested in funds that suit you. Your plan’s default investment is intended as a temporary destination for your contributions and may not be appropriate for your long-term retirement planning. Step 3: Enrol in the plan

To get started

ƒƒGo to manulife.ca/GRO/enrol. ƒƒEnter the policy number and access code shown below. ƒƒFollow the instructions provided.

Plan Policy number Access code Registered Retirement Savings Plan 20004011 C1202

If you are rejoining the Canadian operation you will be automatically reenrolled in the plan. If you had previously participated in the Canadian Adobe RRSP plan and have left your assets with Manulife you will be able to consolidate your accounts by completing the transfer form. At the end of your enrolment

ƒƒPrint your enrolment confirmation so you have a copy for your records. You will need the nine-digit customer number shown on your confirmation to identify yourself to the Customer Service Centre, and access online services in the future.

ƒƒChoose a Personal Identification Number (PIN) at the end of the enrolment process. Remember to keep this number and your customer number in a safe place.

ƒƒAfter you enrol in the plan, you can access your account through the secure website at manulife.ca/gro and select Sign in.

When you enrol, use Manulife’s Steps Retirement Program® to set, create and track your retirement income goal.

MD

MD Consider transferring your other registered savings to your group program

It can be difficult to track your progress towards your retirement income goal when your savings are divided between several financial institutions. Once you have enrolled in the RRSP, you have the option of transferring other registered Need help with your transfer? savings into this plan. Contact Manulife’s Transitions Solutions Team at 1-866-991-3056 By consolidating your retirement savings with Manulife, you will benefit from: to speak with a Transition Specialist.

ƒƒCompetitive fees – The lower fees generally associated with a group Keep track of your account program mean more of your savings stay invested in your account. ƒƒA single point of access – Enjoy the convenience of receiving one statement, ƒƒMember Statements – You’ll receive easy-tounderstand going to one website, and calling one phone number to manage all your statements updating you about your account activity and progress. retirement savings. ƒƒOnline – You can access your account information 24 hours a To transfer assets to Manulife, simply follow the steps below. day, 7 days a week at manulife.ca/GRO ƒƒTalk with the financial institution holding your personal RRSP to determine if ƒƒPhone – You can contact Customer Service at 1-888-727-7766 there are any fees associated with withdrawing those funds. to speak with a Manulife Customer Service Representative, Monday to Friday from 8 a.m. to 8 p.m. ET. ƒƒComplete a Transfer Authorization for Registered Investments form (located on the Adobe RRSP page on the intranet) for each account you wish to transfer to Manulife. ƒƒSend your completed transfer form to your financial institution. This will initiate the transfer of your savings to Manulife. Once Manulife has received the funds, you’ll receive a confirmation from the previous institution. Questions?

Contact Manulife  Visit manulife.ca/GRO and select Sign in. Enter your email address and password to sign in.

On the member site, you can

ƒƒCheck your account balance and view a summary of contributions ƒƒChange your payroll deductions ƒƒMonitor your RRSP contribution limit ƒƒTransfer money between investments ƒƒGet current unit values ƒƒView your personal rates of return for each individual investment and for your overall plan ƒƒGet detailed investment information, such as fund profiles, retirement planning tools and much more

 Call 1-888-727-7766 to speak with a Customer Service Representative, Bilingual Customer Service Representatives will answer account inquiries Monday to Friday from 8 a.m. to 8 p.m. ET.

If you have questions about your investment choices, you can contact a Manulife Financial Education Specialist by calling 1-888-727-7766 from Monday to Friday between 9 a.m. and 5 p.m. ET.

 Email [email protected]

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