Your Company Matching 401(k) contributions can be invested in the 401(k) fund of your choice.

If you make employee contributions into your Ryder 401(k) account, Ryder will match your contributions up to a pre-established amount based upon which 401(k) plan you are eligible. Company matching contributions are deposited into the same investment funds that you have selected for your own employee contributions.

If you do not make employee contributions in your 401(k) plan, there are automatic company contributions made by Ryder into your account regardless of whether you make employee contributions. If you have not selected the investment funds for these automatic company contributions, you have the choice of doing this at any time. Simply access your 401(k) account by following the steps below to make the fund(s) of your choice. If you do not make an investment election for automatic company contributions, the default investment will be the Fidelity Freedom Fund that corresponds with your birthdate.

Of course, it's always best to make employee contributions in your 401(k) account to maximize company matching contributions. If you don't, think of it as turning down free money. You become vested in 25% of all company contributions after 2 years of service, which increases to 50% in 3 years, to 75% in 4 years, and 100% in 5 years.

To make a change to your 401(k) account - your investments or employee contributions, access NetBenefits at:

• netbenefits.fidelity.com, or
• Call the Ryder Benefits Service Center at 1-800-373-7300, Monday through Friday, 8:30 a.m. to 8:00 p.m., Eastern Time, excluding Stock Market holidays.