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Reference
Appendix and Legal Notices
The amount of before-tax, Roth and matching contri-
butions made to your 401(k) Plan account will be deter-
mined based on your compensation, as defined in the
401(k) Plan. Compensation includes amounts paid to
you that are reported on IRS Form W-2, and before-tax
elective deferrals made under the 401(k) Plan or under
certain other benefit plans, but excludes reimbursements,
expense allowances, fringe benefits, moving expenses,
gifts, deferred compensation, welfare benefits, and, for
temporary employees, amounts paid to you while you are
not eligible for the 401(k) Plan. Compensation under the
401(k) Plan is limited by the IRS each year. For 2013, the
limit was $255,000.
Investment and Default-Fund Provisions
You may direct the investment of your 401(k) Plan account
among an array of available investment funds. You may
change your investment elections at any time. Your
investment elections will continue to apply until you change
them. If you don’t make an investment election, your 401(k)
Plan account will be invested in a default fund. Any distri-
bution checks over $10 that remain outstanding for more
than 180 days will be deposited back into your account and
invested in the 401(k) Plan’s default investment fund.
The current default investment fund under the 401(k) Plan is
the T. Rowe Price Retirement Date Fund with the target date
closest to the year in which you turn 65. A description of the
default fund’s investment objectives, risk and return charac-
teristics and fees and expenses is available from T. Rowe
Price. If you need additional information about the default
fund or any other investment funds available under the 401(k)
Plan, please call T. Rowe Price at 800-922-9945 or go to
Diversification Rights
One of the funds into which you may invest through
your 401(k) Plan account is the Aflac Incorporated Stock
Fund (the “Aflac Stock Fund”), which is invested primarily
in shares of Aflac common stock. Because you decide
how to invest all amounts in your 401(k) Plan account,
you are not required to keep any portion of your 401(k)
Plan account invested in the Aflac Stock Fund. As stated
above, you may change the way your current and/or
future contributions (including Company matching contri-
butions) are invested at any time by contacting T. Rowe
Price at 800-922-9945 or going to
.
Importance of Diversification
A well-balanced and diversified portfolio is important to
the long-term financial security of you and your benefi-
ciaries. Broadly defined, diversification means having an
investment portfolio mixed among different asset classes,
such as stocks, bonds and cash. Funds invested primarily
in the stock of a single company, such as the Aflac Stock
Fund, are subject to greater risk than diversified funds.
Most financial planners agree that having more than 20
percent of your total investment portfolio in any individual
stock results in unnecessary risk-taking and would not
be considered adequate diversification. You may want to
take this opportunity to evaluate your portfolio allocations.
Contact Information
This notice is a brief overview of a few important features
of the 401(k) Plan. If there are discrepancies between the
contents of this notice and the 401(k) Plan document,
the terms of the 401(k) Plan will govern. If you would
like more information about the 401(k) Plan, please refer
to the summary plan description at
If you’d like a printed copy or need more information,
please call the Benefits Department at 706-317-0770.
