As we approach another year of this new norm we are all living, I want to thank employees for the dedication and concern they have shown for the safety of others. During these times, we have all been faced with new challenges yet we have continued to rise above them.

We would like to call your attention to the following free benefits Saia offers you and your eligible family members through Prudential. They include access to tools designed to assist you in planning and meeting your financial goals. In addition to financial wellness, Saia offers an Employee Assistance Plan (EAP), for those in need of financial, grief, or overall support because of life’s challenges. You and your eligible family members can receive up to three free confidential visits either by phone or in person.

To learn more about these benefits, please visit Prudential’s Financial Wellness website, www.prudential.com/saia and create a unique account or contact the EAP by calling 1-800-888-2998 or visit www.liveandworkwell.com. The password is Saia.

In the event you have questions about either of these, please contact the Benefits Department via email at empben@saia.com.

Mia

• Starts investing at 25
• Actively invests 42 years

Max

• Starts investing at 25
• Actively invests 10 years, stays invested until retirement

Mike

• Starts investing at 35
• Actively invests 32 years

Each invests a monthly contribution of $150 into a company sponsored retirement account such as 401(k), 403(b), or 457(b) with a 100% company match. Each plans to retire at age 67.

Another way to increase your savings is small increases every year—whether you enroll in the automatic increase program or increase your savings on your own—it can add up over time.

Investing involves risk including the risk of loss.

The hypothetical illustration assumes a 7% nominal annual growth rate on investments. The constant $150 monthly contribution is made at the beginning of each month starting at ages 25 and 35 respectively with 100% company match. The total balances for the hypothetical portfolios are then compared as the assumed retirement age of 67. All accumulated retirement savings amounts are shown in future (nominal) dollars. The illustration does not take into account any taxes or fees. Your own account may earn more or less than this example and income taxes will be due when you withdraw from your account. Investing in this manner does not ensure a profit or guarantee against a loss in declining markets. Investments that have potential for a 7% annual rate of return also come with risk of loss.

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