Make sure yourretirement savings workas hard as you do

Putnam Rollover IRA

Putnam Premium Services

When you open a Putnam Rollover IRA, yougain access to exclusive eatures oferedonly to select Putnam clients. Our teamo Retirement Consultants will walk youthrough every step o the rollover process,and even ll out most o the paperworkor you, right over the phone. With PutnamPremium Services, you can:Get help managing and investing yourretirement savingsTake advantage o special und pricingReceive top-priority resolution to anyaccount questions or concernsEnjoy the peace o mind that comesrom having a team o dedicatedand knowledgeable associates readyto help you build a more comortableretirement

Call 1-888-738-5756 tospeak with a RetirementConsultant today.

Putnam Premium Servicesis here to help.

Roll it over into a Putnam Rollover IRA.

Transferring your assets to an IRA will keep your savingsworking for you with the same tax-deferred status asat your previous job. It’s an increasingly popular way tosave for retirement: More than 46 million Americansown an IRA today.* And when you open an account withPutnam, you’ll be able to take advantage of a numberof powerful benets:

•

Access to innovative funds across a range ofinvestment styles

•

Award-winning customer service from a dedicatedservice team

•

Competitive pricing on mutual fund and stock trades

Leave it where it is.

You may be able to keep your savings in the planafter you leave your job, but keep in mind thatmany employers require that you move your moneyafter a certain period of time.

Invest it in your new plan.

If you are changing jobs, you may be able to roll yoursavings into your new employer’s retirement plan.Not every plan allows for direct transfers, and yourinvestment options may be more limited than in yourcurrent plan.

Take it in cash and pay the tax penalty.

While this may sound tempting, tapping into yoursavings before retirement is almost always the mostcostly option.

Cashing out will cost you

Take it nowRoll it overRetirement plan accountbalance$50,000$50,00025% federal income tax†$9,310—10% early withdrawal tax‡$5,000

—

Remaining balance$35,690$50,000

Source: Investment Company Institute,

The Role of IRAs in U.S. Households Saving for Retirement

, 2009.

Assumes no other income and a single filer in the 25% federal tax bracket. Federal tax rate is not a straight percentage. Various levels of income are taxed atdifferent rates within each federal income tax bracket.

Withdrawals prior to age 59 may be subject to an additional 10% tax. See your tax advisor for more information about the consequences of early withdrawal.

You have four options foryour retirement savings

When you leave a job, you need to decide what to do with the savings you’vebeen accumulating in your retirement plan. This is an important decision,and the choice you make today may have a big impact on the amount o incomeyou will have during retirement.

Call us today at 1-888-738-5756 to transfer your savingsto a Putnam Rollover IRA.