A plan that fits your life

A plan that fits your life. 

TM 

DynCorp International Savings Plan 

Explore your plan and see how it can help 

you prepare for a better retirement. 

A guide to your 

retirement plan. 

1.800.922.9945 | rps.troweprice.com 

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Enroll in the plan 

To help you start saving for your retirement, enrollment in the 

plan is just a few clicks away. 

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Three steps and you’re done. Here’s the first one... 

1. Enroll by computer 

The website at rps.troweprice.com is your onestop, 

online location for information on your plan, 

your account, and your individual financial planning 

needs. It offers you all the features of the 

Plan Account Line (PAL)—including the ability to 

change your login information at any time—plus 

the ability to: 

• Review plan policies and features. 

• Review your plan’s investment options. 

• Download retirement plan forms. 

• Link to investment information, advice, and 

interactive tools. 

• Sign up for auto-increase. 

• Sign up for auto-rebalancing. 

Or enroll by phone 

Call 1-800-922-9945 to connect with the Plan 

Account Line (PAL). With your PIN, you can use 

the PAL 24 hours a day, any day of the year. If 

you want to speak with someone in person, 

T. Rowe Price representatives are available business 

days from 7 a.m. to 10 p.m. eastern time. 

TDD service for hearing-impaired participants 

is available by calling 1-800-521-0325 between 

8:30 a.m. and 10 p.m. eastern time. 

Using the PAL, you can: 

• Get your account balance. 

• Change the amount of your contributions. 

• Change how future contributions are 

invested (mix change). 

• Change how your existing balance is 

invested (exchange). 

• Get a prospectus or other investment and 

market information. 

rps.troweprice.com is your retirement 

plan connection. First-time users: Choose 

Register and follow the prompts to 

create a user name and password. 



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Two more steps and you’re done 

Take these steps to set up your account: 

2. Name a beneficiary. 

Once you are enrolled, click the link below to 

name a beneficiary. 

Click here to establish your beneficiary now. > 

3. Provide your e-mail address. 

While online (or simply click the link below), 

click Update E-mail from the homepage. You’ll 

receive the latest news and information about 

your plan, as well as a notification when your 

statement is ready to view. 

Click here to provide your e-mail address 







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Start your plan 

A quick look at your retirement plan 

Here’s a list of services and features your plan offers. You can also click here to visit the plan 

benefits descriptions on the T. Rowe Price website. Learn more about these topics by clicking on 

the links provided. If you haven’t registered, follow the prompts to do so. You can also get one-onone 

help by calling T. Rowe Price at 1-800-922-9945. 

• Before-tax contributions 

(You can contribute up to 50% of pay.) 

• Company match contributions (Check with 

HR to make sure your site is eligible.) 

• Catch-up contributions for participants 

age 50 and over. Click here to launch the 

catch-up contribution calculator. 

• Before-tax savings 

• Tax-deferred compounding 

• Two ways to invest: 

– T. Rowe Price Retirement Funds 

– Do-it-yourself investment options 

• Automatic Rebalancing 

• Rollover contributions 

You may roll over any vested account 

balances you have from other eligible 

employer plans you participated in (such 

as 401(k) plans or 403(b) plans). These 

amounts will be credited to your rollover 

contribution source within your DISP 

account. Click here to link to the form. 

• Account access 24/7 at rps.troweprice.com 

• Plan account loans. Read the details on the 

plan benefits page. 







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Save for your goals 

Take advantage of flexible options for contributing to your 

financial future. Learn how your retirement plan makes it easy 

to save now for your long-term goals. 

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Your options for contributing to the plan 

Before-tax contributions 

Catch-up contributions 

Rollover contributions 


You can contribute up to 50% 

of your pay each year on a 

before-tax basis, subject to 

IRS limits. That means contributions 

to the plan are made 

before income taxes are 

taken out of your paycheck. 

When you withdraw from 

your account, your contributions 

and any earnings are 

subject to taxes. 

These may be made to help 

you “catch up” on retirement 

saving if you will be age 50 

or older as of the end of the 

year and you have already 

contributed the maximum 

amount allowed by the plan. 

The IRS catch-up contribution 

limit may vary each year. 

You may consolidate your 

retirement savings by “rolling 

over” vested balances from 

other employers’ eligible 

plans, including 401(k), 

403(b), or governmental 

457 plans. You may not roll 

over any after-tax or Roth 

contributions or earnings 

from other employersponsored 

plans or individual 

retirement accounts (IRAs) 

into this account. Click here 

to access a rollover form. 






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How DynCorp International, LLC, helps you save 

Employer contributions 

If your site location is eligible (check with 

your local Human Resources Office), DynCorp 

International will match your before-tax contribution 

dollar for dollar on the first 2% of eligible 

compensation and 50 cents on the dollar on 

the next 6% of eligible compensation that you 

contribute each pay period. That means if you 

contribute 8% of your eligible compensation, 

the company will contribute 5% to your retirement 

savings. Your company match may also 

vary based on union-negotiated contracts. 

Vesting 

Vesting refers to the portion of your account 

that you may take with you when you leave the 

company or borrow from when you need a loan. 

You are always 100% vested in the part of 

your account balance that comes from your 

own contributions, including rollovers. 

Your employer match portion of your account 

will become 100% vested after one year of 

service. 







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Quick tips for smart saving 

Think long term 

Many people underestimate the amount 

of income they will need to maintain their 

standard of living in retirement. Remember: 

• People are living longer—in fact, your 

savings may need to last 20 to 30 years or 

more in retirement 

• Chances are Social Security won’t be 

enough to meet all of your income needs 

• Inflation continues to make things more 

expensive 

The sooner you plan, the more time you will 

have to build and grow your savings to meet 

your needs in retirement. 

Listen to the experts 

Financial experts recommend contributing 

at least 15% of your pay (including any contributions 

your employer may make to your 

retirement plan account) each year that you 

work. Sound like a lot? Start as high as you can 

and work your way up by increasing contributions 

by 1% or 2% each year. 

Know what you’ll need 

Most people will need 75% of their preretirement 

income to maintain their lifestyle in 

retirement: 50% will most likely be replaced 

by savings, 20% by Social Security, and the 

remaining 5% from other sources. 

Calculate your potential monthly retirement 

income with the Retirement Income 

Estimator. Visit rps.troweprice.com to 

access this and other interactive tools. 



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Invest your way 

Keep investing simple or build your own strategy. See how 

the plan makes choosing investments that help meet your 

individual needs and goals as easy as possible. 

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Retirement Funds: An automatic option (1 of 2) 

You have the option to invest in a T. Rowe Price 

Retirement Fund with the target date closest 

to the year you will turn 65. Retirement Funds 

keep investing simple and may be appropriate 

if you don’t have the time, interest, or experience 

to create and manage your own portfolio. 

When you invest in a Retirement Fund, you 

get a premixed and professionally managed 

fund with a date-based, diversified portfolio 

in a single step. Each Retirement Fund is 

made up of other T. Rowe Price mutual funds. 

That means you get a mix of different investments—in 

large and small companies, both 

domestic and foreign. 

Plus, Retirement Funds offer: 

• One-step convenience, so you don’t need 

to mix and match them with other options. 

• Professional diversification that may help 

reduce the impact of the market’s ups and 

downs on your account. Of course, diversification 

cannot assure a profit or protect 

against a loss in declining markets. 

• Stock exposure that can help your retirement 

account outpace inflation and 

maintain its buying power. 

• Automatic rebalancing among stocks, 

bonds, and conservative bonds helps the 

funds’ allocations stay on track. 







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Retirement Funds: An automatic option (2 of 2) 

HOW YOU CHOOSE THE FUNDS 

If you 

were born... 

This Retirement Fund 

may be right for you… 

In 1988 or after » Retirement 2055 

1983 – 1987 » Retirement 2050 

1978 – 1982 » Retirement 2045 

1973 – 1977 » Retirement 2040 

1968 – 1972 » Retirement 2035 

1963 – 1967 » Retirement 2030 

1958 – 1962 » Retirement 2025 

1953 – 1957 » Retirement 2020 

1948 – 1952 » Retirement 2015 

1943 – 1947 » Retirement 2010 

1938 – 1942 » Retirement 2005 

In 1937 or before » Retirement Income 

Each Retirement Fund is designed for an investor 

who expects to retire near the target date in the 

fund name at age 65, so if you plan to retire well 

before or after age 65, these funds may not be 

right for you. 

The principal value of the Retirement Funds is 

not guaranteed at any time, including at or after 

the target date, which is the approximate date 

when investors turn age 65. The funds invest in 

a broad range of underlying mutual funds that 

include stocks, bonds, and short-term investments 

and are subject to the risks of different 

areas of the market. The funds emphasize potential 

capital appreciation during the early phases 

of retirement asset accumulation, balance the 

need for appreciation with the need for income 

as retirement approaches, and focus more on 

income and principal stability during retirement. 

The funds maintain a substantial allocation to 

equities both prior to and after the target date, 

which can result in greater volatility. 

Call 1-800-922-9945 to request a 

prospectus, which includes investment 

objectives, risks, fees, expenses, and other 

information that you should read and 

consider carefully before investing. 



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Do-it-yourself options: For added control 

If you prefer to create and monitor your own investment strategy, the plan offers the following 

additional investment options to choose from. 

For Morningstar fund fact sheets with quarter-end performance, log in to the T. Rowe Price 

website at rps.troweprice.com. Under Investments, click the name of the investment option. 

Stocks 

American Funds EuroPacific Growth Fund, R-4 

T. Rowe Price Growth Stock Fund 

Davis NY Venture Fund, A 

Vanguard Inst. Index Fund 

T. Rowe Price Equity Income Fund 

Wells Fargo Advantage Small Cap Value Fund, Inv. 

Bonds 

PIMCO Total Return Fund, Admin. 

Money Market/Stable Value 

T. Rowe Price Stable Value Fund* 

* The T. Rowe Price Stable Value Common Trust Fund (the 

“Trust”) is not a mutual fund. It is a common trust fund 

established by T. Rowe Price Trust Company under Maryland 

banking law, and its units are exempt from registration 

under the Securities Act of 1933. Investments in the Trust 

are not deposits or obligations of, or guaranteed by, the U.S. 

government or its agencies or T. Rowe Price Trust Company. 

Although the Trust seeks to preserve the value of your 

investment at $1.00 per unit, it is possible to lose money by 

investing in the Trust. 

T. Rowe Price Investment Services, Inc., distributor, T. Rowe 

Price mutual funds. 

Excessive trading 

Excessive or short-term trading occurs 

when a participant places frequent 

trades into and out of an investment, 

often holding shares for a very short 

period of time. This practice can drive 

up the investment’s administrative 

costs and negatively affect the fund 

manager’s strategy. As a result, many 

funds responded with additional 

monitoring and the implementation 

of short-term trading fees. A potential 

consequence of excessive trading may 

be the suspension of your trading 

privileges and possible redemption fees. 



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Quick tips for confident investing 

Use your resources 

Not sure how to invest your contributions? Visit the T. Rowe Price website at rps.troweprice.com. 

Click Tools and explore the many resources to help you choose an appropriate investment mix 

using your age, salary, desired retirement date, and other data. 

Know the investment categories 

• Stock investments invest primarily in stocks, which are actual shares of company ownership. 

The value of shares can grow, and the companies may also pay dividends to stockholders. 

Potential return and risk are highest. 

• Bond investments invest primarily in bonds, which are loans to companies or governments 

that pay a set amount of interest over a period of time. Bond income may help reduce risk, but 

provides only moderate growth potential. 

• Money market/stable value investments invest in money market instruments, certificates of 

deposit, U.S. Treasury bills, and guaranteed investment contracts. These are considered stable 

investments, with less risk of losing the money you invest. They do, however, have relatively 

low return potential. 

The automatic rebalancing service is a 

simple and convenient way to help keep 

your asset allocation on your desired 

course. Select this service to rebalance 

your account on a quarterly, semiannual, 

or annual basis. Call 1-800-922-9945 

or visit rps.troweprice.com. 



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Connect to your plan 

Check your account, make investment changes, increase or decrease contributions, or get 

information when you need to. Tap into these convenient ways to stay in touch with your plan. 

Web 

Log in to the T. Rowe Price 

website at rps.troweprice.com. 

First-time users: Choose 

Register and follow the 

prompts to create a user 

name and password. 

Phone 

Call 1-800-922-9945 for 

automated account access. 

T. Rowe Price representatives 

(English and Spanish 

speaking) are available 

to answer your questions 

business days from 7 a.m. 

to 10 p.m. eastern time. 

Mobile 

Launch your mobile browser 

and visit troweprice.mobi. 

Use your current T. Rowe Price 

user name and password to 

view account balances. 

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