Non-Qualified Plan

The RetireZ Plan is not a tax-qualified plan. A person who contributes to a RetireZ Plan will not get a current-year income tax deduction. This is outweighed by other advantages:

• There is no 10% penalty for payments made before the age of 59.5 allowing the retiree to take money out at an earlier age if necessary.

• There is no requirement of mandatory distributions at certain ages.

• Income taxes are paid now, as opposed to in later years when rates may be higher.

• There will be no dual income/estate taxes (known as "IRD") due at death.

• There are no contribution limits imposed by tax law.

• There is no tax law requirement that any or all other employees be added.

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