Petco Barking About Benefits Magazine Q3 2012

Investment Options Investing your 401(k) savings is important to help it grow, but how do you know which funds to choose? If you don’t feel comfortable building your own portfolio, you can take a hands-off approach and let the experts at Fidelity manage your investments for you. If you have the time and energy, you can take a hands-on approach and design your own investment strategy. Hands-off: Lifecycle Funds If you are a “hands-off” investor, Fidelity’s Lifecycle Funds may be a good fit for you. Lifecycle Funds offer a blend of stocks, bonds, and short-term investments within a single fund. They are designed for investors who don’t want to go through the process of picking several funds from the different investment types but who still want to diversify among stocks, bonds and short-term investments. Lifecycle Funds provide an automatic investment mix that becomes continually more conservative as time goes on. There’s no guesswork—just pick the fund with the year that’s closest to the year you plan to retire. Fidelity will manage things from there.

Target Date 2012 – 2014

Target Date 2015 – 2030

Target Date 2035 - 2055

• Fidelity Freedom 2010 Fund ®

• Fidelity Freedom 2015 Fund ® • Fidelity Freedom 2020 Fund ® • Fidelity Freedom 2025 Fund ® • Fidelity Freedom 2030 Fund ®

• Fidelity Freedom 2035 Fund ® • Fidelity Freedom 2040 Fund ® • Fidelity Freedom 2045 Fund ® • Fidelity Freedom 2050 Fund ® • Fidelity Freedom 2055 Fund ®

Target date investments are represented on a separate spectrum because they are generally designed for investors expecting to retire around the year indicated in each investment’s name. The investments are managed to gradually become more conservative over time. The investment risks of each target date investment change over time as its asset allocation changes. They are subject to the volatility of the financial markets, including equity and fixed income investments in the U.S. and abroad and may be subject to risks associated with investing in high yield, small cap and foreign securities. Principal invested is not guaranteed at any time, including at or after their target dates. Hands-on: Standalone Funds If you are a “hands-on” do-it-yourself investor, you can access Fidelity’s research resources and use the fund selection tools to build your own portfolio. Think about your investment goals and then find the right balance between risk and the potential for reward. To learn more, log in to your account at www.401k.com and click on the Analysis tab near the top of your browser window.

The table below shows the investments offered through Petco’s 401(k).

Standalone Funds

Stocks • Dodge & Cox Stock Fund (large value) • Columbia Multi-Advisor Small Cap Value Fund Class A (small value)

• Fidelity Growth Company Fund (large growth)

• Spartan® 500 Index Fund—Investor Class (large blend) • CRM Mid Cap Value Fund Class Investor (mid blend) • Fidelity ® Low-Priced Stock Fund (mid blend)

• American Beacon International Equity Fund Investor Class (international/global equity)

Bonds • PIMCO Total Return Fund Administrative Class

Risk

• Neuberger Berman Genesis Fund Trust Class (small blend)

Short-term Investments • Managed Income Portfolio

Reward

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