Calculate My Future

This calculator provides an estimate of the amount of annual income available based on your inputs, certain assumptions and limitations described in this Disclosure Information. This estimate is hypothetical, does not reflect actual results and is not a guarantee of future results. INTRUST Bank N. A. ("INTRUST") makes no warranties with regard to the information or results obtained by use of the information and disclaims any and all liability arising out of use of, or reliance on, or dissemination of, the information. INTRUST has relied upon and assumed without independent verification, the accuracy and completeness, calculations and methodologies used in the preparation of this estimate.

The calculator results are subject to change depending on a variety of factors, including, but not limited to: your future salary, the amount of your future salary deferral percentage, your investment elections, your actual retirement date, your life expectancy, actual investment results, inflation, and taxes. Your actual results will vary (perhaps significantly) from those presented here.

Balance at Retirement

This is a hypothetical example of what your balance may be when you retire and is based on the following current assumptions:

• Your annual income ("My Current Yearly Income") increases by the amount you select ("Expected Annual Pay Increase") each year until retirement
• There are no withdrawals or loans from your Account prior to retirement
• Investment returns are calculated based on your selection ("My Investment Profile"). The portfolio returns are as follow:
  • Aggressive - Pre-retirement return 7%; Post-retirement return 3.5%
  • Moderate - Pre-retirement return 5.69%; Post-retirement return 2.61%
  • Conservative - Pre-retirement return 4%; Post-retirement return 2%

Return assumptions are gross of fees. Projected Return Assumptions can and will change over time. This calculator provides only a current snapshot. Changes in your compensation, rate of deferral, age at which you intend to retire, actual investment performance and other variables will result in different projection results.

Projected Return Assumptions as used in this calculator may vary from Projected Return Assumptions used in other Projections, Proposals, etc. made by INTRUST because of mathematical differences in calculations between various applications and modeling software.

This information and projection is hypothetical and is no guarantee of future investment results. Projected Investment Return Assumptions are subject to change. Information you may obtain from other sources may vary.

Retirement Income Needed

This is a hypothetical example of what your annual income need may be in the first year of your retirement and is based on the following assumptions:

• Your annual income ("My Current Yearly Income") increases by the amount you select ("Expected Annual Pay Increase") each year until retirement.
• Your income needs in Year 1 equal your "Expected Retirement Income Goal" at the "My Retirement Age" you select.

This information and projection is hypothetical and is no guarantee of future increases or future income needs.

Based On Your Inputs, Annual Retirement Income Generated

This is a hypothetical calculation of the amount of your income projected to come from your "Balance at Retirement" based on:

• The previously described assumption for "Balance at Retirement"
• The "Life Expectancy" selected by you.
• Your remaining Balance at Retirement is invested in a hypothetical portfolio selected by you as previously described in Balance at Retirement.

The percentage of your retirement needs that will come from your balance are based on hypothetical examples and are provided for illustrative purposes. Whether your income needs can be satisfied depends on your specific circumstances. INTRUST makes no warranties with regard to the information or results obtained by, or information used by INTRUST, and disclaims any and all liability arising out of use of, or reliance on, or dissemination of, the information.

For specific information on Social Security Benefits that you may be entitled to at retirement, visit the Social Security Administration's website at www.socialsecurity.gov. This site contains a Retirement Estimator that calculates your Social Security benefit based on your actual Social Security earnings record.

Nothing in this calculator guarantees you a specific benefit or continued employment. This information is being provided to you for informational purposes and should not be construed as investment or retirement planning advice. You should consult with professional advisors about your financial situation.

The calculator assumes any contributions above the annual qualified plan contribution limit are made to other retirement savings vehicles. Estimated income amounts are expressed in terms of future dollars at retirement. You may wish to revisit the calculator periodically or as your financial situation and goals change. The calculator does not account for factors including early-withdrawal penalties, required minimum distributions, and holding periods. The calculator compounds earnings semi annually and period and distributions are made at the beginning of the period.