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401(k) Funds

Fee Disclosure

Mutual Fund Family & Name Ticker SymbolFund Expense Ratio***FBMC Admin Fee
(Wrap Fee)*
Total Annual Operating Expenses
AS A % | PER $1,000
American Century; Government Bond FundCPTNX0.47%0.50%0.97% | $ 9.70
American Century; Inflation-Adjusted BondACITX0.47%0.50%0.97% | $ 9.70
American Funds; EuroPacific REREX0.85%0.50%1.35% | $13.50
American Funds; Investment Co. of AmericaRICEX0.64%0.50%1.14% | $11.40
 American Funds; 2010 Target Date RetirementRHATX0.50%0.50%1.00% | $10.00
American Funds; 2015 Target Date RetirementRHBTX0.49%0.50%0.99% | $ 9.90
American Funds; 2020 Target Date RetirementRHCTX0.51%0.50%1.01% | $10.10
American Funds; 2025 Target Date RetirementRHDTX0.53%0.50%1.03% | $10.30
American Funds; 2030 Target Date RetirementRHETX0.55%0.50%1.05% | $10.50
American Funds; 2035 Target Date RetirementRHFTX0.56%0.50%1.06% | $10.60
American Funds; 2040 Target Date RetirementRHGTX0.57%0.50%1.07% | $10.70
American Funds; 2045 Target Date RetirementRHHTX0.58%0.50%1.08% | $10.80
American Funds; 2050 Target Date RetirementRHITX0.58%0.50%1.08% | $10.80
Fidelity; Growth StrategiesFDEGX0.89%0.50%1.39% | $13.90
Fidelity Advisor; Total BondFEPIX0.50%0.50%1.00% | $10.00
T. Rowe Price; Blue Chip GrowthPABGX0.99%0.50%1.49% | $14.90
T. Rowe Price; Dividend GrowthTADGX0.91%0.50%1.41% | $14.00
T. Rowe Price; Small-CapOTCFX0.90%0.50%1.40% | $14.00
Vanguard; Balanced IndexVBAIX0.07%0.50%0.57% | $ 5.70
Vanguard; Federal Money MarketVMFXX0.11%0.50%0.61% | $ 6.10
Vanguard; Institutional IndexVINIX0.04%0.50%0.54% | $ 5.40
Vanguard; Mid Cap IndexVIMAX0.06%0.50%0.56% | $ 5.60
Vanguard; Small CapVSMAX0.06%0.50%0.56% | $ 5.60
Vanguard; Wellesley IncomeVWIAX0.15%0.50%0.65% | $ 6.50
Vanguard; WellingtonVWENX0.16%0.50%0.66% | $ 6.60

Matrix Trust Bank Fees:
$20.00 Distribution (ACH or Check)
$5.00 Systematic Withdrawals, per withdrawal (ACH or Check)

FBMC Plan Administrator Fees
$85.00 Loan Origination Fee (includes $20 Distribution Fee)
*0.50% Administration Fee / Wrap Fee
**$1.00 Monthly Administration Fee

*Administration Fee/Wrap Fee: The Plan Administrator, FBMC Benefits Management, assesses a fee of .50% which is a percentage of plan assets. This fee is used to pay for Vista 401(k) Plan administration which includes customer service, education, enrollment, compliance, preparation of plan documents, portfolio evaluation and recordkeeping (daily valuation and maintaining participant accounts)

**$1.00 Monthly Administration Fee  (Not applied to participants who are actively contributing)

***Fund Expense Ratio: Each mutual fund assesses a fee, which is a percentage of the total assets they have under management.

P.O. Box 1878 Tallahassee, Florida 32302-1878

866-325-1278