Retirement Savings Plan

The Plan is intended to be a plan described in section 404(c) of ERISA and Title 29 of the Code
of Federal Regulations section 2550.404c-1. Thus, the Company, the Plan Administrator, the
Trustee, and other fiduciaries of the Plan may be relieved of liability for any investment losses
that are the direct result of any investment directions you may make.
Changing Your Investment Election
If you wish, you may change your investment election for future savings in multiples of 1%. Any
changes that you make to your investment election will be effective as soon as administratively
practicable following receipt of your change by the Coty Benefits Center.
Transferring Between Funds
You may also transfer amounts already invested. In general, transfers between funds may be
done in multiples of 1% and will be effective as soon as administratively practicable following
receipt of your transfer by the Coty Benefits Center. Fund changes or transfers between funds
may be made by calling the Coty Benefits Center toll-free at 1-877-268-9462 [1-877-COTY-INC].
Representatives are available Monday through Friday, 7:00 AM to 11:00 PM Eastern Time. The
voice response system is available 24 hours a day, 7 days a week. You may also visit the Coty
Benefits Center online at www.877cotyinc.com.
VIII. HOW YOUR ACCOUNT CAN GROW
The value of your Plan account at any time depends on a number
of factors, including:
• how much and how long you make employee
contributions;
• Company-matching contributions;
• Company retirement contributions;
• investment gains or losses; and
• withdrawals or loans you may take while you are working.
Each calendar quarter, you will receive a personal statement that shows the status of your Plan
account and the extent to which you are vested at the end of the preceding calendar quarter. The
statement will also show your current balance in each investment fund. You may also receive
information regarding your account balances by calling the Coty Benefits Center on any business
day. This way, you can see how your account is doing and judge whether your investment
choices still address your financial objectives.
For example, assume the following:
Your total annual compensation $30,000
Your employee contribution percentage x 10%
Your annual contribution $ 3,000
Annual Company-matching contribution
(100% of up to 6% of compensation) 1,800
Annual Company retirement contribution
(2% of compensation for a 37 year old) + 600
Total annual savings $ 5,400
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