December 2014
Dear 401(k) Participant: Your Workplace Savings Plan is a key benefit, and it’s important that you’re informed about changes to the Plan. The changes described in this Notice will take place without any action required on your part. However, if you wish to modify your current decisions as a result of this change, please log on to www.401k.com or call 1-800-835-5097. New! Fidelity® Money Market Trust Retirement Money Market Portfolio (Fund Code: 00630)
Effective January 2015, the Fidelity® Money Market Trust Retirement Money Market fund will be returning to Camden’s investment option portfolio. If you are currently using the Automatic Rebalance feature offered through your Plan, you need to update your rebalance elections given the changes to the Plan lineup on January 2, 2015 if you want to continue using Automatic Rebalance. Fidelity is not able to adjust your rebalance elections to reflect the upcoming plan-directed fund reallocation changes. As a result, your Automatic Rebalance elections will not occur as scheduled if you have a current investment option that will no longer be offered. •
Objective: Seeks to obtain as high a level of current income as is consistent with the preservation of capital and liquidity.
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Strategy: Investing in U.S. dollar-denominated money market securities of domestic and foreign issuers and repurchase agreements. Investing more than 25% of total assets in the financial services industries. Potentially entering into reverse repurchase agreements.
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Risk: Interest rate increases can cause the price of a money market security to decrease. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks. An investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
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Short Term Trading Fee: None
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Who may want to invest: Someone who has a low tolerance for investment risk and who wishes to keep the value of his or her investment relatively stable. Someone who is seeking to complement his or her bond and stock fund holdings in order to reach a particular asset allocation.
New! Fidelity BrokerageLink® Effective January 2015, Camden is adding Fidelity BrokerageLink® as an investment option for the Plan. Fidelity BrokerageLink allows you to choose from investments beyond those options
offered by the Plan. This feature is intended for those who are comfortable actively managing a portfolio of expanded investment choices. The fee for this service is $50 per year. To utilize this feature, you must first open a separate brokerage account within the Plan. To open an account, or if you have any questions about Fidelity BrokerageLink, please log on to www.401k.com or call 1-800-835-5097. Once you have opened an account, you may access, monitor or change investments in your BrokerageLink account by contacting Fidelity. When you access your BrokerageLink account, there is additional information regarding available investment choices, which you should read before making any investment decisions. If purchasing a mutual fund through BrokerageLink, mutual fund minimums generally still apply. Prior to initiating a trade in your BrokerageLink account, you should review any fees associated with your transaction. Please contact Fidelity for a complete list of brokerage fees. BrokerageLink does not allow investments in individual companies such as Apple, Ford or Camden. It only allows fund investments. Please keep in mind the Plan's fiduciaries do not monitor the investments available in Fidelity BrokerageLink and that this feature is intended for those who are comfortable actively managing a portfolio of expanded investment choices.
If you have any questions, please contact your Benefits Team. Kenna Galloway Blake Beyer Sarah Barletta
713.354.2811 713.354.2629 713.354.2524
kgalloway@camdenliving.com bbeyer@camdenliving.com sbarletta@camdenliving.com