The AFS 401(k) Profit Sharing Plan enables AFS employees to invest for retirement on a pretax basis. Employees may invest up to 35% of their salaries in a variety of investment options sponsored by the Company. Employees are 100% vested in the amount of salary they choose to defer, and full vestment in any AFS contribution is gradually attained over a six-year period. Other benefits of the plan include self-directed stock options, Roth 401(k), and the option to borrow against plan savings. AFS may match all or a portion of your pre-tax and Roth 401(k) contributions to the Plan. Because these contributions are discretionary, they may vary from year to year. The plan is currently administered by Fidelity Investments. Participants have access to their individual account via a toll-free number or the Internet.