Petco Barking About Benefits Magazine Q3 2012

How will I know how my account is doing? You can check your account balance online 24/7 through the Fidelity website at www.401k.com or by calling Fidelity at 1-800-835-5097 and speaking to a representative. Fidelity also sends quarterly statements to your home. Or, you can go green and sign up for quarterly electronic statements at www.401k.com . When can I withdraw funds from the Plan? You may withdraw funds after age 59 1 / 2 without penalty. Before age 59 1 / 2 , you may withdraw funds only if you leave Petco, become disabled or experience a financial hardship. Current taxes are due when funds are received. Any funds you receive before age 59 1 / 2 may be subject to a financial penalty. What is a financial hardship? The Plan considers a financial hardship to be a serious financial need, such as: certain medical expenses for you or a family member, the purchase of your primary residence, certain educational expenses, or expenses to prevent eviction from your home or the foreclosure of your home. Fidelity reviews requests for financial hardship withdrawals to ensure that they meet legal requirements. Can I use the money in my 401(k) for a loan? Yes. You can borrow up to 50% of your vested account balance, not to exceed $50,000. The minimum loan amount is $1,000. You pay the money back into your account, plus interest, through after-tax payroll deductions. A loan may be a better option than a hardship withdrawal because a hardship withdrawal will generally result in a 10% penalty plus income tax on the amount you withdraw. Where can I get more information? For more information about the 401(k) Plan, refer to your summary plan description or visit the Fidelity website at www.401k.com . You may also contact Fidelity at 1-800-835-5097.

This benefits magazine provides an overview of some of the benefit plans offered by Petco. It is not intended to be all-inclusive nor is it to be used as a Summary Plan Description. In the event of any conflict between this magazine and the official plan documents, the official documents will govern. Petco reserves the right to change or modify its benefit plans as appropriate without advance notice. This magazine does not represent a contract of employment. Summary Plan Descriptions (SPDs) for your Petco benefits are available in the Forms & Resources Library on mypetcobenefits.com . To request a printed SPD, call the Human Resources Service Center (HRSC) at 888-583-6044 (internal ext 5555) . English Bulldog photographs used in this Enrollment Guide provided by www.zeldawisdom.com .

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