THE VICTORIA’S SECRET & CO. 401(K) SAVINGS AND RETIREMENT PLAN - Enrollment Guide - Get Started

Sep 19, 2026

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Enrollment guide for THE VICTORIA’S SECRET & CO. 401(k) Savings and Retirement Plan, explaining how employees start saving and how the plan supports retirement goals. Covers eligibility rules for full-time and part-time associates, company match and annual company contribution requirements, and vesting timing. Details key advantages including payroll deduction convenience, tax benefits for pre-tax and Roth options, catch-up contributions, contribution limits, and available investment choices, plus where to find help and resources.

LanguageEnglish

CategoryLetters

FormatPDF

Pages14

Reading Time5 min

AccessFree to download

How the Plan Works

Eligibility to Participate

Company Match and Annual Company Contribution

Features to Help Your Savings Grow

Tax savings and contribution options

Contribution limits and investment choices

The Power of Saving and Investing Now

Start Saving

THE VICTORIA’S SECRET & CO. 401(K) SAVINGSAND RETIREMENT PLAN Enrollment Guide GET STARTED What’s Inside: Page 3 Page 4 Page 5 Page 7 Page 8 Page 10 Page 11 Page 12 Page 13 Page 14 How the Plan Works Features to Help Your Savings Grow The Power of Saving and Investing Now Savings Example Get Started Start Saving Your Investment Options Get Help from Alight Financial Advisors (in partnership with Edelman Financial Engines) Other Plan Features Contacts and Resources Home | How the Plan Works | Features to Help Your Savings Grow | The Power of Saving and Investing Now | Savings Example Get Started | Start Saving | Your Investment Options | Get Help from Alight Financial Advisors | Other Plan Features | Contacts and Resources How the Plan Works Saving today for tomorrow is one of the smartest moves you can make. The earlier you start, the longer your money grows and the more you can accumulate for retirement. The VS&Co 401(k) provides a great way to save and invest for your future financial needs. And the best part, when you contribute so does VS&Co with a company match and annual company contribution. ELIGIBILITY TO PARTICIPATE If you’re a full-time associate, you’re eligible to enroll in the 401(k) any time after your date of hire. If you’re a part-time associate, you’re eligible to enroll any time after the first of the month following the date that you’ve worked 1,000 hours and completedone year of service with the company. COMPANY MATCH AND ANNUAL COMPANY CONTRIBUTION VS&Co will match your savings AND give you an annual company contribution after working 1,000 hours and completing one year of service with the company. • Company match: The first 4% you save in the 401(k) will be matched dollar for dollar and it vests immediately. That means the money is yours to keep, even if you leave the company. • Annual company contribution: Once a year, VS&Co will make a contribution into your retirement account based on your pay and years with the company. The annual company contribution vests gradually over time (100% vested after six years) . When you’re vested, the entire amount is yours to keep. You’ll begin receiving the annual company contribution after working one year and 1,000 hours. To receive the annual company contribution in the years that follow your initial eligibility, you must work at least 1,000 hours each year and be employed on December 31. MORE REASONS TO SAVE IN THE 401(K) • Payroll deductions allow for convenient, automatic saving • Tax savings whether you make pre-tax or Roth after-tax contributions or both • Diverse investment options to suit your style and needs • Online and professional account management help • Online modeling tools and education to provide help when you need it For more reasons to save, see The Power of Saving and Investing Now on page 5. Previous Page Next Page 3 Home | How the Plan Works | Features to Help Your Savings Grow | The Power of Saving and Investing Now | Savings Example Get Started | Start Saving | Your Investment Options | Get Help from Alight Financial Advisors | Other Plan Features | Contacts and Resources Features to Help Your Savings Grow Contributions. You’ll contribute to the 401(k) through convenient pre-tax and/or post-tax Roth payroll deductions—giving you options to save. You can change your contribution rate, contribution type and investment elections at any time. Tax savings. You’ll save on taxes whether you make pre-tax or Roth after-tax contributions. • Pre-tax contributions provide you with a tax benefit now by reducing your taxable income in the year contributions are made. But when you retire, your contributions and earnings will be taxed based on your tax bracket at retirement, which may be lower or higher than your current tax bracket. • Roth contributions can provide you with a tax benefit later. These contributions don’t reduce your taxable income during the

FAQs

When can full-time and part-time associates enroll in the 401(k)?

Full-time associates can enroll any time after their hire date. Part-time associates can enroll after the first of the month following the time they have worked 1,000 hours and completed one year of service.

How does the company match work and when does it vest?

The company matches the first 4% you save in the 401(k) dollar for dollar. The matched amount vests immediately, so the money is yours to keep even if you leave the company.

What are the differences between pre-tax and Roth contributions at retirement?

Pre-tax contributions provide a tax benefit now by reducing taxable income; at retirement, contributions and earnings are taxed based on your tax bracket then. Roth contributions do not reduce taxable income when contributed, but qualified withdrawals of Roth contributions and earnings can be tax-free after age 59½ and after the Roth account is at least five years old.

Sep 19, 2026

Upload by Logic