[DESCRIPTION: On screen text. NEXCOM. How to get the most out of your 401 (k) Plan. NEXCOM. Bob Clayton. Chief Human Resources Officer.]

[AUDIO:]
[ Music ]

>> Hi. I'm Bob Clayton with your NEXCOM HR team.

Let me ask you a question.

What if I gave you an opportunity to put $10 in the bank every paycheck, and if you did, I'd put $5 into your account as well.

No gimmicks, no fine print, it's your money.

Would you do it?

Who wouldn't?

Well, I have an offer for you.

It's called the NEXCOM 401(k) plan and this is exactly how it works.

Each paycheck you can choose to contribute as little as 1% of your bi-weekly earnings or as much as 6% and NEXCOM will put in $0.50 for every dollar you put in.

Every dollar you put in is yours, and once you've been in the plan for 3 years, all the money that NEXCOM has put in is yours as well.

[DESCRIPTION: An animation. Contribution Matching. Two glass jars. You Contribute dollars in one jar. NEXCOM Contributes 50 cents for each dollar in the second jar. up to 6 percent. After 3 Years the two jars merge to become a single jar called Your Account.]

[AUDIO:]
Look, I understand that it can be tough to save.

There are bills to pay, food to put on the table, but every day you wait, every week you wait, means that you will have less in your nest egg and may even mean that you have to work longer in life.

If you're not yet enrolled in the NEXCOM 401(k) plan, not only are you earning $0.50 on the dollar, but there are other great reasons why you need to join the plan.

You will pay less in current taxes.

Why? Because your contributions are tax-deferred, meaning that the money you contribute isn't considered taxable income for the current year.

The earnings on your investments can grow on a tax-deferred basis.

What that means is that you don't pay taxes on any of the money that you earn until you take the money out of the plan, which is usually after retirement.

Your money can grow faster.

If you experience a financial hardship, such as unpaid medical bills or face eviction, you may qualify for a hardship withdrawal, or you may take a loan from your account.

And another thing.

You get free access to financial guidance professionals who can answer questions specifically to your retirement savings needs.

And joining couldn't be easier.

[DESCRIPTION: A Prudential website pulled up on a phone. Welcome to Quick Join. Join your retirement plan easily with preset options carefully chosen by your employer. Enroll Now.]

[AUDIO:]
You can enroll online in this less than 1 minute by using quick join, or you can enroll using our easy join form which makes your investment one of the Prudential Day One Funds that corresponds closest to the year you may retire.

Or you can call 877-PRU-2100.

You choose the way that works best for you.

Want to get a jump on saving a little more next year?

Turn on the Contribution Accelerator feature when you enroll.

You can set a date to increase your contributions for years to come.

Of course you can opt out of this feature at any time.

[DESCRIPTION: Schedule a date. Choose Percentage of increase.]

[AUDIO:]
We also make choosing your investments simple.

You can tailor your choices yourself from the wide variety of investments we have in our fund lineup.

But if you're not the do it yourself type, there's GoalMaker.

[DESCRIPTION: An animation. GoalMaker. A dial moves from Conservative to Moderate to Aggressive. A pie chart labeled Your Portfolio.]

[AUDIO:]
GoalMaker is an easy to use investment selection tool that lets you choose investments based on your investor style and expected years to retirement.

Or for those of you who don't mind putting your eggs all in one basket and letting the professionals allocate your investments, we have a suite of target date funds known as the Prudential Day One Funds.

You pick the fund closest to when you plan to retire, and the money is invested in a diversified set of investments within the fund.

And it adjusts over time as you get closer to retirement.

[DESCRIPTION: Three different pie charts. Day One Fund 2020. Day One Fund 2040. Day One Fund 2060.]

[AUDIO:]
When I was 23 years old, I didn't know much about investing.

My boss John came in to me and said, "look Bob, you don't have a choice.

If you want to comfortably retire one day, you have to start saving now.

The sooner you start, the more comfortable you will be." At the time I thought about all the other things I could buy but decided to listen to his advice.

Today, I want to thank John for helping me build a nest egg that I never thought possible.

I just had to start.

The future won't wait.

Why should you?

Join today.

[DESCRIPTION: Learn more. Prudential.com/NEXCOM. 877-778-2100.]