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Seal for the Treasurers Office of the State of Delaware

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Seal for the Treasurers Office of the State of Delaware

EARNS is governed by the EARNS Program Board (“EPB”), an instrumentality of the State of Delaware. Vestwell State Savings, LLC (“Vestwell”), is the program administrator. Vestwell and The Bank of New York are responsible for day-to-day program operations. Participants who use EARNS beneficially own and have control over their Roth Individual Retirement Accounts (“IRA”), as provided in the program offering set out at EARNSDelaware.com.

EARNS’s investment options are selected by the EPB. For more information on EARNS’s investment options, go to EARNSDelaware.com. Account balances in EARNS will vary with market conditions and are not guaranteed or insured by the EPB, the State of Delaware, the Federal Deposit Insurance Corporation (“FDIC”) or any other organization.

EARNS is a completely voluntary retirement program. Saving through a Roth IRA will not be appropriate for all individuals. Employer facilitation of EARNS should not be considered an endorsement or recommendation by your employer of EARNS, Roth IRAs, or the investment options in the program. Roth IRAs are not exclusive to EARNS and can be obtained outside of the program and contributed to outside of payroll deduction. Contributing to a EARNS Roth IRA through payroll deduction offers some tax benefits and consequences. You should consult appropriate professional advice or consultation if you have questions related to taxes or investments.

Vestwell does not provide legal, financial, tax, or investment advice. Program participants should consider obtaining their own appropriate professional advice if you have questions related to taxes or investments before making any decisions regarding their participation or investment in the program.

The EARNS name and the EARNS logo are trademarks of the EPB and may not be used without permission.