Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement...

25
Your DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement Savings Plan include: • E. I. du Pont de Nemours and Company • First Chemical Texas, LP • First Chemical Corporation • EKC Technology, Inc. • DuPont Authentication, Inc. • DuPont Displays, Inc. • DuPont Display Enhancements, Inc. • Danisco US Inc. • Danisco USA Inc. • Finnsugar Bioproducts, Inc. • Genencor International Wisconsin Inc. • Agtech Products Inc. • Solae, LLC All references to “the Company” in this document pertain to the specific company that employs you.

Transcript of Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement...

Page 1: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

Your DuPont Benefit Resources DuPont Retirement Savings Plan

July 2013

As of July 2013, participating employers in the DuPont Retirement Savings Plan include:

• E. I. du Pont de Nemours and Company

• First Chemical Texas, LP

• First Chemical Corporation

• EKC Technology, Inc.

• DuPont Authentication, Inc.

• DuPont Displays, Inc.

• DuPont Display Enhancements, Inc.

• Danisco US Inc.

• Danisco USA Inc.

• Finnsugar Bioproducts, Inc.

• Genencor International Wisconsin Inc.

• Agtech Products Inc.

• Solae, LLC

All references to “the Company” in this document pertain to the specific company that employs you.

Page 2: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

2

DuPont Retirement Savings Plan Summary Plan Description (Part I only) and Prospectus

July 1, 2013

Part I of this document represents the Summary Plan Description (“SPD”). The SPD is a brief description of the Plan and your rights, obligations and benefits under the Plan. Every effort has been made to make this SPD as accurate as possible. However, this Summary Plan Description is not a Plan document. This SPD is not meant to interpret, extend or change the provisions of the Plan in any way. The terms of the Plan are stated in and will be governed in every respect by the Plan document. Your right to any benefit depends on the actual facts and the terms and conditions of the Plan documents, and no rights accrue by reason of any statement in this summary.

This document (including Part II) also constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933.

The date of this prospectus is July 1, 2013.

No person is authorized to give any information or to make any representations other than those contained in this Prospectus in connection with the offering described herein, and, if given or made, such information or representations must not be relied upon. This Prospectus does not constitute an offer of any securities other than those to which it relates, or an offer to sell or a solicitation of an offer to buy any securities in any jurisdiction to any person to whom it is unlawful to make such offer or solicitation in such jurisdiction. Neither the delivery of this Prospectus nor any sales made hereunder shall, under any circumstances, create any implication that there has been no change in the affairs of E. I. du Pont de Nemours and Company since the date hereof.

Page 3: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

3

TABLE OF CONTENTSPart 1 4IntroductIon 4

Description 4Questionsabouttheplan 4

ElIgIbIlIty and PartIcIPatIon 4eligibility 4enrollment 4yourcontributions 5makinganDchangingelections 5DepositsDuringaleave 5companymatchingcontributions 6companyretirementsavingscontributionstotheplan 6othercircumstancesaffectingcontributionstotheplan 6reports 6

VEstIng 6vestinginyouraccounts 6specialvestingrules 7yearsofservice 7forfeitures 7breakinservice 8

InVEstmEnts 8investmentDirection 8investmentDirectionchange 9accountbalancetransfers 9self-Directbrokerage 9planexpenses 10section404(c)oferisa 10votinganDtenDerrights 11conocophillipsstock 11theimportanceofDiversifyingyourretirementsavings 12

loans 12amountofloan 12interestrate 13termoftheloan 13repayingyourloan 13

WIthdraWals from your accounts 13WithDraWallimitationsforactiveemployees 13harDshipWithDraWals 14rulesgoverningWithDraWals 14reQuestingaWithDraWal 15Distributionsuponterminationofemployment 15perioDicpayments 16Deathbenefits 17rolloversfromtheplan 17

rolloVErs and transfErs Into thE Plan 17QualIfIEd domEstIc rElatIons ordErs 18Plan amEndmEnt or tErmInatIon 18claIms aPPEal ProcEdurE 18your rIghts undEr ErIsa 19gEnEral 20

planname 20employer 20planaDministrator 20plantype 21planiDentification planyear 21plantrustees 21serviceoflegalprocess 21laWsgoverningtheplan 21pensionbenefitguarantycorporation 22nopromiseofemployment 22

Part II 23feDeralincometaxconseQuences 23contributions 23Distributions 23planloanoffsets 24specialtaxtreatmentifyouWerebornbeforeJanuary2,1936 24employerstockorsecurities 24aDDitionalinformation 24incorporationofcertainDocumentsbyreference 25restrictionsonresale 25

21

Page 4: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

4

Part IIntroductIonDescriptionThe purpose of this Plan is to encourage and assist employees in following a systematic savings program suited to their individual financial objectives, and to provide an opportunity for employees to become stockholders in the Company. The DuPont Common Stock Fund is an employee stock ownership plan (ESOP) designed and intended to invest primarily in qualifying employer securities.

The Plan offers a built-in savings system through payroll deductions, which are made on a before-tax or after-tax basis. It offers tax advantages, freedom to choose investments according to your needs, the flexibility to change your investments as your needs change and a way to build capital for a secure retirement. If you decide to save a percentage of your pay, the Company will add to your savings with contributions of its own. You will also be eligible to receive an additional retirement savings contribution made by the Company regardless of whether or not you make any contributions.

Questions about the PlanWhenever you have questions about this Plan, first consult this Summary Plan Description. You may also call Merrill Lynch at (877) DD-PLANS or log on to Benefits OnLine at www.benefits.ml.com. For specific tax advice, you should contact your tax advisor.

ElIgIbIlIty and PartIcIPatIon

EligibilityAll employees of the Company are eligible to participate in this Plan, except represented employees in a bargaining unit that has not accepted the terms of this Plan and individuals who are classified by the Company as leased employees and independent contractors. Individuals who are receiving severance pay, retainer or other fees under contract are not eligible to participate in the Plan.

EnrollmentYou will automatically receive an enrollment package from Merrill Lynch shortly after you become eligible to participate. When you enroll, you must designate:

• the percentage of your pay (if any) you wish to contribute to the Plan as Before-Tax or After-Tax Contributions;

• how your contributions and any company contributions are to be invested; and

• a beneficiary to receive any benefits payable from the Plan in the event of your death.

If you take no action, within 60 days from your date of hire, you will automatically be enrolled in the Plan at a 6% Before-Tax savings rate, and your assets will be invested in the PersonalManagerSM managed account feature of the Merrill Lynch Advice Access service. Your automatic enrollment also includes automatic increases in before-tax contributions of 1% annually, up to a maximum of 15% of pay.

You may make elections, including elections not to participate, at any time by logging on to Benefits OnLine at www.benefits.ml.com or calling Merrill Lynch at (877) 337-5267.

Page 5: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

5

Your ContributionsYou may make Before-Tax or After-Tax Contributions of 1% to 90% of your eligible compensation from the Company for each payroll period you elect to participate in the Plan. (This amount will be contributed only to the extent funds are left after other deductions, such as health plan premiums, garnishments, loan payments, union dues and other deductions.)

Your compensation for purposes of calculating contributions is generally your total pay from the Company, including overtime, sales incentive pay, short-term incentive pay and local performance-based compensation, but excluding allowances in connection with transfer of employment, and any special payments or awards under a gain-sharing program, long-term incentive program or similar plan.

The amounts you contribute will be allocated to a separate Account established in your name. For purposes of the Plan, annual compensation in excess of $255,000 is not considered. This limit applies for 2013 and is subject to periodic cost-of-living adjustments by the IRS.

By law, your total Before-Tax Contributions (to this Plan and any other 401(k) plan) in any calendar year cannot exceed certain limits. For 2013, the annual limit is $17,500. Once this limit is reached, your Before-Tax Contributions will automatically stop and you will need to make a separate election to make or increase your After-Tax Contributions.

Beginning in the year that you turn age 50, if your Before-Tax Contributions reach the annual limit described above or any other limit imposed by law or the Plan, you may contribute an additional “catch-up” contribution for the year. For 2013, this additional amount is $5,500.

The IRS may adjust these limits from time to time. In order to comply with these limits, the Plan Administrator will either restrict your Before-Tax Contribution percentage or refund the portion of Before-Tax Contributions that is in excess of these limits.

Making and Changing ElectionsContribution elections are made by contacting Merrill Lynch at (877) DD-PLANS or by logging on to Benefits OnLine at www.benefits.ml.com. Once you have made a contribution election or have been enrolled automatically, you may modify or discontinue the election at any time by contacting Merrill Lynch. A change in your contribution election will normally be effective the next payroll period following the date you notified Merrill Lynch.

Deposits During a LeaveWhen you are absent from work and, as a result, your monthly pay is reduced, your contributions will continue provided you have pay left after deductions for taxes and other required deductions. If the entire deduction cannot be taken, a partial deduction will be taken up to the amount of your net pay. You may also contact Merrill Lynch and change your contribution percentage.

If you are absent to serve the U.S. government in a military or civilian capacity, you may be able to “make up” the contributions you could have made during your absence, provided you return to employment with the Company within the time prescribed by law. You should contact Merrill Lynch upon returning to work after military service.

Page 6: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

6

Company Matching ContributionsYour employer will make a Matching Contribution for each payroll period in an amount equal to 100% of your Before-Tax or After-Tax Contributions up to 6% of your eligible compensation. Matching Contributions will be allocated to your Matching Contribution Account.

Any Participant who makes Before-Tax or After-Tax Contributions will be eligible to receive a Company Matching Contribution.

Company Retirement Savings Contributions to the PlanYour employer is currently contributing a Retirement Savings Contribution to your account each month equal to 3% of eligible participants’ eligible pay. You will be eligible to receive Retirement Savings Contributions if you receive any eligible compensation from the Company for that month and you are employed by the Company during that month.

Other Circumstances Affecting Contributions to the Plan• Federal law places a limit on the total amount of contributions that can be added to your account in

this Plan and any other plan maintained by the Company or an affiliate. For 2013, the “annual addition” cannot exceed the lesser of $51,000 (as adjusted by the IRS to reflect increases in the cost of living) or 100% of your annual earnings. Catch-up contributions do not count toward this limit.

• Federal law requires the Plan to pass certain fairness tests. The tests are designed to ensure a fair mixof participation and contributions among employees at all income levels. These tests limit the amount higher-paid employees of a company can contribute on an after-tax basis, based on how much other employees contribute. If these tests are not met, it may be necessary to reduce the savings rate of certain higher-paid participants. Therefore, the Plan currently limits the amount higher-paid employees can contribute to the Plan on an after-tax basis to 12% of eligible compensation. However, the Company may adjust this limit from time to time. You may contact Merrill Lynch at (877) 337-5267 to determine if you are affected by these limits.

• Federal law provides that in the event the Plan benefits certain “key employees” disproportionately,the Plan may be declared “top-heavy” and become subject to special rules. You will receive information regarding these special rules in the unlikely event that the Plan is declared top-heavy.

ReportsYou will receive quarterly statements showing information about your Plan account as well as an annual Participant Disclosure of Plan and Investment Related Information. You can also access Plan and account information at Benefits Online at www.benefits.ml.com.

VEstIng

Vesting in Your Accounts

You must earn a certain number of years of service with the Company before you are entitled to the full value of your account under the Plan. The process by which you become entitled to the full value of your account is called “vesting.”You always have a 100% vested interest in your Before-Tax, After-Tax, and Rollover Contribution

Page 7: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

7

Accounts. You are also 100% vested in your Matching Contribution Account.

You will become fully vested in your Retirement Savings Contribution Account in the following circumstances:

• You have been credited with at least 3 years of service with the Company.

• You reach age 65 while you are working for the Company.

• You terminate employment with the Company due to becoming totally disabled while working for theCompany. You will be considered disabled if you are eligible for and are receiving disability benefits under a company-sponsored long-term disability program including incapability pension benefits under the DuPont Pension and Retirement Plan.

• Your job with the Company is eliminated.

• Your spouse is transferred by the Company to an employment location outside the immediategeographic area while you are working for the Company, and you terminate employment with the Company.

• You die while actively employed by the Company.

Special Vesting Rules

Special vesting rules apply to certain amounts transferred to this Plan from the ChemFirst Inc. Savings Plan and the Danisco US 401(k) Plan.

Years of Service

You will earn a year of service for each calendar year beginning on your employment date in which you are credited with at least 1,000 hours of service.

You receive an “hour of service” for each hour for which you are paid or entitled to be paid by the Company or an affiliate for the performance of employment duties. For determining Years of Service, we count 190 hours for each month in which an employee is paid for at least one hour of service. If you are paid for nonworking periods such as holidays, vacations and sick time, you will also receive credit for hours of service for those periods. However, no more than 501 hours of service will be credited for any single, continuous nonworking period.

Forfeitures

If you leave the Company before you are fully vested in your Retirement Savings Contribution Account, the nonvested portion of that account will be forfeited. If amounts are forfeited from your Retirement Savings Contribution Account and you are reemployed by the Company prior to being absent for 5 years and you complete at least one hour of service upon your reemployment, the amount forfeited will be restored to your account. Amounts that are forfeited from participants’ Retirement Savings Contribution Accounts are used to pay the Plan’s administrative expenses or to offset future Retirement Savings Contributions to the Plan.

Page 8: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

8

Break in Service

A break in service occurs in a year during which you have completed less than 501 hours of service for the Company except in the following circumstances:

• You are on an authorized leave of absence, including maternity or paternity leave. A maternity orpaternity leave of absence is one due to pregnancy, the birth or adoption of a child or the care of a child after birth or adoption.

• You are on an authorized military leave and you return to work within the time that your reemploymentrights are protected by law.

The Plan Administrator will be required to credit you with enough hours of service (but not more than 501) to prevent you from incurring a break in service if you are on an authorized leave of absence. If you have already completed more than 500 hours of service in the year in which your absence begins, the Plan Administrator will credit you with 501 hours of service in the following year, solely to avoid your incurring a break in service.

InVEstmEnts

Investment DirectionAs a participant in the Plan, you direct the investment of your accounts. The Plan provides a menu of investment options from which you may select, including core investment options (actively managed options managed specifically for the DuPont plans and passively managed options), age-targeted options, and DuPont stock. The Plan also offers individualized investment advice to assist you, if you choose. The investment options are described in detail in the enrollment materials, Participant Disclosure of Plan and Investment Related Information, and Fund Fact sheets which you received at enrollment and which you should keep with this SPD and your plan materials.

You may direct your savings, in multiples of 1%, among the investment options. If you do not make investment elections, your accounts will automatically be invested in the PersonalManagerSM managed account feature of the Merrill Lynch Advice Access service which is described in the Investment Choices brochure.

You make your initial investment elections when you enroll in the Plan. You may modify your investment direction and transfer existing account balances on a daily basis. These are two separate actions: changing your investment directions will not cause a change in the assets already in your account. You may obtain information regarding your investments on a daily basis by calling Merrill Lynch at (877) DD-PLANS or logging on to www.benefits.ml.com. You can also get a copy of the enrollment materials, Participant Disclosure of Plan and Investment Related Information, and Fund Fact sheets by calling Merrill Lynch or logging on to www.benefits.ml.com. One of the investment options offered by the Plan is shares of common stock of E.I. du Pont de Nemours and Company. Purchases and sales of DuPont Common Stock are aggregated daily and priced to participants based on the average daily purchase or sale price, as applicable, for the Plan.

Page 9: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

9

Investment Direction ChangeYour investment directions control how contributions will be invested in the Plan. Contact Merrill Lynch to make investment direction changes. Your new investment directions will be effective the following business day, provided they are received before 3 p.m., Eastern Time.

Account Balance TransfersAll participants can transfer their assets from one investment to another at any time.

Contact Merrill Lynch to request a fund transfer. Trading orders received on or before 3 p.m. Eastern Time on a New York Stock Exchange trading day will be processed with that day’s business. Orders not received by 3 p.m. will be processed on the next business day.

Fund transfers are carried out daily with the exception of transactions involving stock. DuPont stock purchases require 2 business days. Assets are sold on the first day and the proceeds purchase stock on the second day. DuPont stock sales require 3 business days. Stock is sold on the first day but the proceeds are not available for the purchase until the third business day. This delay is required by the Securities Exchange Commission.

When you make a fund transfer, your assets will be sold at the daily price in effect on the day your fund transfer is begun. You will purchase assets at the price in effect on the day your fund transfer is completed. Daily prices, known as Net Asset Values (NAV), are determined at the close of each business day and can be obtained by calling Merrill Lynch or by logging on to www.benefits.ml.com.

Fund transfers can be made in percentages, units/shares, or dollars.

When you sell all or part of your investment in a particular fund, you must reinvest the money in one or more different funds. You cannot make a fund transfer and request a loan or a withdrawal on the same business day.

You should be aware that your investment decisions will ultimately affect the retirement benefits to which you will become entitled. The Company and the Plan Trustee are not obligated to reimburse any Participant for any investment loss that may occur as a result of the Participant’s investment decisions. There is no guarantee that any of the investment options available in this Plan will retain their value or grow in value.

Also, keep in mind that the Investment Committee and the fund managers reserve the right to restrict or limit investment directions or impose redemption fees as they determine necessary to protect the investment fund, for example as with excessive trading or “market timing.”

For more information about the funds currently affected by these restrictions and associated fees, review the Fund Fact sheets, log on to www.benefits.ml.com, or call Merrill Lynch at (877) 337-5267.

Self-Direct BrokerageSelf-Direct Brokerage provides access to a wide variety of retail-priced mutual funds separate from the investment options included in the Core Investment Menu. Your account will be charged a $125 annual account fee for using the service, and additional commissions and fees may apply to certain transactions. This service is intended for experienced investors who are comfortable choosing individual investments and managing their own investment program.

Page 10: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

10

Participants should not consider this service unless they are sophisticated investors who seek more investment choices and greater control of their retirement account; are comfortable with, and knowledgeable about, creating and managing an investment portfolio; and are willing to assume the accompanying risk. These funds are not monitored by the plan’s investment fiduciaries, so participants will need to perform their own research when choosing funds, and monitor these funds once invested.

Amounts held in the Self-Direct Brokerage cannot be withdrawn or borrowed. In order to take a distribution on amounts held in the Self-Direct Brokerage, you must first transfer the amount to another option(s) on the Investment Menu.

See the enrollment materials, log on to www.benefits.ml.com, or call Merrill Lynch at (877) 337-5267 for more information.

Plan ExpensesPlan participants pay the fees for all of the investment options offered in the Plan, including investment management fees, commissions for buying and selling stock, dividend reinvestment fees, fees for custody, trust, recordkeeping, audit and other expenses. For example, investment manager fees are paid to the managers of the various investment options, trust/custody fees are paid to the trustees, record-keeping fees are paid to Merrill Lynch, and audit fees to the independent registered public accounting firm. A commission of 6 cents per share applies to all purchases and sales of E. I. du Pont de Nemours and Company common stock and sales of ConocoPhillips, Phillips 66 and Pfizer common stock. This commission is paid to Merrill Lynch. A dividend reinvestment fee of 6 cents per share will be charged on the number of dividend shares reinvested in DuPont stock. This fee is paid to Merrill Lynch.

If mutual funds are offered as investment options, generally all sales and exchange fees are waived for Plan participants, but participants still pay investment management fees as well as other administrative expenses. A portion of mutual fund investment management fees is paid to Merrill Lynch to pay for record-keeping services for the Plan.

The Plan may also charge your account certain administrative fees, such as processing qualified domestic relations orders, loans or withdrawals. Please see the applicable section of this document for details of any fees.

Section 404(c) of ERISAThe Plan is intended to comply with section 404(c) of the Employee Retirement Income Security Act of 1974 (“ERISA”). This means that the Plan permits participants to direct the investment of their accounts, and, as long as the Plan satisfies the requirements of section 404(c), the parties that otherwise would be responsible for investment decisions are protected from liability if any losses occur as a result of participants’ directions. To comply with section 404(c), the Plan must permit you to choose from among a broad range of investment options and must provide certain information about the Plan and the investment options.

In addition to the information in this booklet, you may request the following information:

• a description of the annual operating expenses of any of the investment options that reduce the rate of return;

• copies of any prospectuses, financial statements, and any other materials provided to the Plan inconnection with the investment options (fund fact sheets, prospectuses and certain other materials are available online at www.benefits.ml.com);

Page 11: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

11

• a list of the identity and value of assets in the portfolio of each investment option that is not a mutualfund, including, for any fixed-rate insurance contracts issued by a bank or insurance company, the name of the insurer and the term and rate of the contract;

• information on the value of shares or units in each investment option, the past and present performanceof the option, and the value of shares held in your account.

The Savings Plans Investment Committee is the named fiduciary responsible for making sure this information is provided. To request any of this information, call Merrill Lynch at (877) DD-PLANS. The Savings Plans Investment Committee may be contacted directly at 1007 Market Street, Wilmington, DE 19898, (302) 774-1000.

Also, you may find the number of shares and value of assets held in your account on your participant account statement, or obtain it from Merrill Lynch online at www.benefits.ml.com or by calling Merrill Lynch.

Voting and Tender RightsYou will have the right to exercise any voting or tender decisions with respect to mutual fund shares and DuPont, ConocoPhillips, Phillips 66 or Pfizer stock held in your account. If there is a voting decision with respect to any mutual fund, you will receive a proxy from Merrill Lynch or directly from the mutual fund sponsor, along with instructions on how to vote.

For DuPont, ConocoPhillips, or Phillips 66 stock, you will receive a proxy card from Merrill Lynch and you will be asked to return your proxy directly to Merrill Lynch. No one at the Company will be able to find out how you vote your shares. The Savings Plans Investment Committee is the fiduciary responsible for ensuring that these confidentiality procedures are followed. Except for a tender offer, if you do not return a proxy exercising your voting rights, the Investment Committee will hire an independent fiduciary to make the decision how to vote your DuPont shares. The independent fiduciary is the fiduciary responsible for making voting decisions for shares of DuPont stock for which participant voting instructions are not exercised. Any shares of ConocoPhillips, Phillips 66 or Pfizer stock not voted will be considered as if the participant has made an election not to vote. For a tender offer, you are the fiduciary for your shares and if you do not return a tender election, your non-response will be considered an election of the default option.

ESOP Dividends

You may elect to have the dividends paid on your DuPont company stock distributed to you in cash or reinvested by the Plan in DuPont stock. You can make or change this election by accessing Benefits OnLine at www.benefits.ml.com or by calling Merrill Lynch at (877) 337-5267. If you do not make an election, your ESOP dividends will be reinvested in DuPont stock. All reinvested dividends are 100% vested.

ConocoPhillips StockThis investment choice was established to accommodate the merger and subsequent sale of Conoco Inc. No new investment may be made in ConocoPhillips stock. Shares of ConocoPhillips stock may be sold and funds transferred to another investment choice. Any dividends paid on ConocoPhillips stock will be invested according to the participant’s investment direction and will not be reinvested in ConocoPhillips stock. As a result of the April 2012 split of ConocoPhillips and Phillips 66, participants who held ConocoPhillips stock received one share of Phillips 66 stock for each two shares of ConocoPhillips stock held in the Plan.

Page 12: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

12

The Importance of Diversifying Your Retirement SavingsTo help you achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments can provide growth potential, while lowering your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, including DuPont, your savings may not be properly diversified. Although diversification does not ensure a profit and is not a guarantee against loss, it is an effective strategy to help you manage investment risk.

In deciding how to invest your retirement savings, you should take into account all of your assets, including any retirement savings outside of the Plan. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is important to periodically review your investment portfolio, your investment objectives, and the investment options under the Plan to help ensure that your investment choices remain appropriate for your risk tolerance and your retirement goals.

loans

If you are an active employee, you may borrow from your Rollover Contribution, After-Tax Contribution, Before-Tax Contribution, and vested Matching Contribution Accounts. You will not be able to take a loan if you already have two Plan loans outstanding. You must first repay one of the outstanding loans prior to obtaining a new loan. A fee of $150 is assessed for each loan you initiate. Fees are drawn from your Plan account. You may request a loan by contacting Merrill Lynch at (877) 337-5267 or logging on to www.benefits.ml.com.

Amount of LoanThe maximum amount that you may borrow is the lesser of:

• $50,000* or

• 50% of your vested account balance excluding your Retirement Savings Contribution Account balance.

The minimum amount of any loan from the Plan is $1,000.

Cash for your loan will be taken from your accounts in the following order of priority:

1. Rollover Contribution Account

2. After-Tax Contribution Account

3. Before-Tax Contribution Account

4. Matching Contribution Account

If you have assets in more than one investment option, a pro-rata amount of each fund will be sold to fund the loan.

Your loan repayments will be applied to your accounts in the reverse order that those accounts were reduced and will be invested in accordance with your current investment elections.

*If you already had a loan during the 12 months before the date your new loan is made, this $50,000 figure is reduced by the highest outstanding balance of your previous loan during that 12-month period.

Page 13: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

13

Interest RateThe rate of interest on loans will be a reasonable rate determined by the Plan Administrator from time to time to be commensurate with the prevailing interest rate charged on similar loans made within the same locale and time period. The rate of interest will remain fixed for the life of the loan.

Term of the LoanYou must select the term of your loan (from one to five years) at the time you apply for it. Loans used to acquire your principal residence may have a term of up to 10 years. You may repay the entire outstanding balance of your loan at any time, without penalty.

Repaying Your LoanGenerally, your loan will be repaid in installments through automatic payroll deductions, which you must authorize at the time you apply for the loan. However, if you terminate employment or are a Limited Services Employee, you may continue to make loan repayments by contacting Merrill Lynch and making arrangements for repayment directly from your bank account. If you are classified by DuPont as a limited service employee, or you are on leave without pay, you must make arrangements to repay your loan by check or it will be treated as in default. If you stop making required loan repayments, your outstanding loan balance, including accrued interest, will become due and payable immediately. If you do not repay this amount within the time requested by the Plan Administrator, the amount owed will be treated as a taxable distribution to you and will be deducted from your account before the Plan makes any distribution to you. The Plan does not permit partial or accelerated loan repayments. However, you may pay off your loan in full at any time.

WIthdraWals from your accounts

As a participant in the Plan, you are permitted to make withdrawals from your accounts. If you have terminated employment with the Company and all affiliates, or if you are the surviving spouse/beneficiary of a deceased participant, you may take a full or partial withdrawal from your vested accounts for any reason.

If you are still working for the Company or an affiliate, there are certain limitations that apply to withdrawals from some of your accounts, which are described below.

Withdrawal Limitations for Active Employees• Before-Tax Contribution Account: You can only withdraw amounts from your Before-Tax

Contribution Account upon financial hardship (as described below) or after you have reached age 591⁄2.

• Matching Contribution Account: You can only withdraw Matching Contributions made for plan-year2007 or later (2008 for participants in SIP in 2007 and 2008) or associated earnings allocated to youraccount after you have reached age 591⁄2.

• Retirement Savings Contribution Account: You cannot withdraw amounts from your RetirementSavings Contribution Account until you separate from service and are vested in this account.

Page 14: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

14

Hardship WithdrawalsAs described above, if you are still working for the Company, you can withdraw amounts from your Before-Tax Contribution Account upon financial hardship. (You cannot withdraw earnings on your Before-Tax Contribution account that have accumulated since December 31, 1988.)

In order to qualify for a hardship withdrawal, you must have an “immediate and heavy financial need” which cannot be met from other resources reasonably available to you. In general, this standard will not be met unless you have first taken all available withdrawals or loans from the Plan. Your financial need is considered “immediate and heavy” if your request for a withdrawal is on account of:

• certain uninsured medical expenses for you or your dependents;

• paying burial or funeral expenses for your spouse or your dependents;

• paying expenses for the repair of damage to your primary residence;

• the purchase of your principal residence (excluding mortgage payments);

• tuition, related educational fees, and room and board expenses for post-secondary education for thenext 12 months for you or your dependents; or

• the need to prevent eviction from your principal residence, or foreclosure on your principal residence.

Your hardship withdrawal cannot exceed the amount required to meet your financial need, including any amounts needed to pay any taxes or penalties reasonably expected to result from the withdrawal. You will be required to provide documents to the Plan Administrator to show evidence of your hardship.

If you make a hardship withdrawal, you will not be able to make contributions or receive Matching Contributions for a period of 6 months from the date of your withdrawal.

For purposes of hardship withdrawals only, references to “spouse or dependents” shall include a Participant’s domestic partner, as determined by the Administrative Committee.

Rules Governing Withdrawals• You are permitted to make only three withdrawals in a calendar year, except that hardship withdrawals

do not count toward the withdrawal limit.

• Withdrawals are processed from your accounts in the following order: 1) After-Tax Account 2) AfterTax Rollover Account, 3) Rollover Account, 4) Pre-2007 Company Match Account, 5) Before-Tax Account, 6) Remaining Company Match Account, and 7) Retirement Savings Contribution Account. Investment funds will be liquidated on a pro-rata basis or in a specified order, if elected by the participant, for each account cashed to satisfy your withdrawal.

• Your entire withdrawal (other than any After-Tax Contributions) will be includable in your taxableincome. Furthermore, the taxable portion of the withdrawal will be subject to an additional 10% tax unless: you are at least 59½ years old; it is part of a series of substantially equal periodic payments over your life or life expectancy; it is made after your separation from service on or after age 55; it is paid on account of your death or disability, as defined by the IRS; it meets certain rules applicable to distributions to eligible individuals on active military duty; it is paid to an alternate payee under a Qualified Domestic Relations Order; or it is used to pay unreimbursed medical expenses allowable as a deduction by the IRS. The rules concerning how withdrawals and distributions from the Plan are taxed are complicated, and you may wish to consult with a tax advisor.

• You cannot replace any amounts that you have withdrawn.

Page 15: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

15

Requesting a WithdrawalContact Merrill Lynch to request a withdrawal. You may contact Merrill Lynch by calling (877) DD-PLANS or by logging on to Benefits OnLine at www.benefits.ml.com. All hardship withdrawals must be approved by the Plan Administrator.

Distributions upon Termination of EmploymentYou may request a full distribution of your accounts when you terminate employment with the Company and all affiliates. Remember that you will always be entitled to receive the full value of the following accounts:

• Before-Tax Contribution Account

• After-Tax Contribution Account

• Matching Contribution Account

• Rollover Contribution Account

However, your Retirement Savings Contribution Account will be paid to you only to the extent that you are vested in that account at the time you leave the Company.

If the value of the vested portion of your accounts is $1,000 or less, your accounts will be paid to you as soon as practicable in a single-sum cash payment. If the value of the vested portion of your accounts is more than $5,000, you may elect to have your accounts paid as soon as possible following your termination of employment, or held by the Plan for payment at a later date (but not beyond April 1 of the year following the calendar year you attain age 701⁄2).

If the value of the vested portion of your accounts is greater than $1,000 but less than or equal to $5,000, you may elect to have your accounts paid to you as soon as practicable in either a single-sum cash payment or a direct rollover to an IRA (see “Rollovers from the Plan” below). If you do not affirmatively elect a cash distribution or direct rollover, your accounts will automatically be rolled over to a Merrill Lynch Individual Retirement Rollover Account (IRRA®). The proceeds of the rollover will be invested through Merrill Lynch’s Retirement Asset Savings Program, which makes available a Money Market Deposit Account from one or more participating depository institutions. Currently Merrill Lynch Bank USA and Merrill Lynch Bank & Trust Co. are the primary and secondary depository institutions. You will be charged the same annual maintenance fee that other IRRA accountholders pay, currently between $50 and $100 annually, based on Merrill Lynch’s fee schedule. If you have any questions about the Plan’s automatic rollover provisions, you can contact Merrill Lynch by calling (877) DD-PLANS or logging on to www.benefits.ml.com.

If you choose to leave your accounts in the Plan, you may continue to direct the investment of the funds in your accounts. In addition, you may receive partial withdrawals from your accounts, which are described in the previous section of this SPD.

Page 16: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

16

If you are still working at the time you attain age 701⁄2, you are required to begin receiving benefit payments by April 1 of the year following the calendar year you attain age 701⁄2. In this case, you begin to receive annual payments from your accounts no later than each December in the amount of the required distribution amount, when combined with any other payments you received during the year. When you terminate employment, you may elect to receive the balance of your accounts in a single-sum payment, elect one of the periodic payment forms under the Plan, or choose to manage your account distributions by taking allowable withdrawals. You will receive annual payments from your accounts at the end of the year in the amount of the required distribution amount, when combined with any other payments you received during the year.

Periodic PaymentsIf you terminate employment with the Company and all affiliates and the value of the vested portion of your account is greater than $5,000, you may elect to have your account paid to you as periodic payments. There are three periodic payment options available, which are described below. With any option you may elect to receive your payments either monthly or annually and you may elect at any time to receive the remainder of your account in a single cash payment.

Variable periodic payments

Under this option, you may request that the value of your accounts is paid to you in a fixed number of payments (either monthly or annually).

The maximum number of payments you may elect is based on your age and the age of a beneficiary 10 years younger (or your spouse’s actual age, if your spouse is more than 10 years younger), based on actuarial tables at the time you initiate payments. Payments continue until your account value is reduced to zero.

Lifetime periodic payments

Under this option, the value of your accounts is paid out based on your life expectancy or the life expectancies of you and a selected individual, recalculated annually. The period you select may be no longer than life expectancies based on your age and the age of a beneficiary 10 years younger (or your spouse’s actual age, if your spouse is more than 10 years younger), based on actuarial tables, at the time you initiate payments.

Payments continue until your account value is reduced to zero.

Fixed periodic payments

Under this option, you select a fixed dollar amount that will be paid until your account value is reduced to zero.

By March of the calendar year following the year you reach age 701⁄2, the law requires that you begin receiving a specified amount from your account. If you are already receiving periodic payments, but the payments you have elected do not meet these legal minimums, you will receive an additional payment at the end of the year to make up the difference.

If you are reemployed by the Company before age 70½, after monthly payments have begun, your periodic payments will stop.

When you again terminate, your Plan balance will include any additional amounts contributed to your accounts while you were reemployed. At that time, you may choose any payout options permitted by the Plan.

Page 17: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

17

Death BenefitsIf you die before you receive payment of your accounts, the vested portion of your accounts will be payable to your beneficiary. You designate your beneficiary on the beneficiary designation form that you complete when you become a Plan participant. You may change your beneficiary designation at any time by submitting a new beneficiary designation form to the Plan Administrator in the form provided. However, if you are married and you wish to designate someone other than your spouse as your beneficiary, your spouse must provide written consent in the form required by the Plan Administrator.

Your beneficiary can receive your benefit as soon as possible following your death or can defer payment to a later date. If your designated beneficiary is not your spouse, your benefit must begin to be paid to the beneficiary no later than December 31 of the calendar year in which you would have reached age 701⁄2.

If your beneficiary is your spouse, your benefit must be paid by December 31 of the calendar year in which you would have reached age 701⁄2 or your spouse may elect periodic payments which must commence prior to this date.

If a beneficiary wishes, he or she may disclaim a benefit payable to him or her in accordance with federal estate tax rules. The Plan Administrator may, in its discretion, permit a written disclaimer, signed by a beneficiary after a participant’s death, of all or part of a benefit provided the disclaimer is received within nine months of the participant’s death.

Your designated beneficiary must survive you in order to receive the benefits payable from the Plan upon your death. If your spouse or designated beneficiary does not survive you, or if you have not designated a beneficiary and you have no surviving spouse, your vested account balance will be paid to your estate.

Remember to check and update your beneficiary designation periodically, and especially after any life change, such as marriage, divorce, or birth of a child, to make sure the designation reflects your current wishes.

Rollovers from the PlanIf you are eligible to take a withdrawal, you may direct the Trustee to transfer as a rollover your payment from the Plan directly to the trustee or custodian of an Individual Retirement Account (IRA) that you have established, or directly to the qualified retirement plan, section 403(b) annuity or section 457(b) eligible deferred-compensation plan of another employer (assuming that your other employer’s plan will accept such a transfer).

A single-sum payment of a death benefit can be rolled over if the beneficiary is the spouse of the deceased participant or if the beneficiary is a nonspouse beneficiary and is rolling the distribution to an eligible IRA account.

Special tax-withholding rules apply to any portion of a rollover-eligible distribution that is not rolled over directly to another plan.

rolloVErs and transfErs Into thE Plan

Most distributions that you receive from a plan of another employer may be rolled over to this Plan. The administrator of the other employer’s plan will give you information explaining whether a particular distribution may be rolled over. It may be necessary to demonstrate to the Plan Administrator that a particular distribution from another employer’s plan may be rolled over to the Plan under IRS rules. You may also be able to roll over amounts that you hold in a traditional IRA.

Page 18: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

18

In order to make a rollover contribution, you must be employed by the Company in a category of employees eligible to participate in the Plan or be a participant in the Plan who is receiving a rollover- eligible distribution from a qualified plan sponsored by a Plan-participating employer. Your rollover contribution will be placed in a separate rollover account. You will always be fully vested in your rollover account.

The tax laws that apply to rollovers are complex. Before making a rollover, you should contact your tax advisor, learn about these rules, and comply with them exactly.

QualIfIEd domEstIc rElatIons ordErs

As a general rule, your interest in your account may not be assigned or alienated. This means that your interest may not be sold, used as collateral for a loan, given away, or otherwise transferred. In addition, your creditors may not attach, garnish or otherwise interfere with your account.

There is an exception, however, to this general rule. The Plan Administrator may be required by law to recognize obligations you incur as a result of a qualified domestic relations order. A qualified domestic relations order is defined as a decree or order issued by a court that obligates you to make child support, alimony or marital property rights payments, or otherwise allocates a portion of your account in the Plan to your spouse, former spouse, child or other dependent. If a qualified domestic relations order is received by the Plan Administrator, all or a portion of your benefits may be used to satisfy the obligation. The Plan Administrator will determine the validity of any domestic relations order received. You may obtain from the Plan Administrator, without charge, a copy of the Plan’s procedures regarding qualified domestic relations orders.

Plan amEndmEnt or tErmInatIon

The Company expects to continue the Plan indefinitely, but reserves the right to amend, discontinue or terminate the Plan at any time. If the Plan is terminated or contributions are completely discontinued, you will automatically become fully vested in your account. The Plan Administrator will direct the distribution of the Plan’s assets to provide benefits under the Plan as prescribed by law. No events, other than those special circumstances permitted by the Plan, will cause any assets in participants’ accounts to be returned to the Company.

claIms aPPEal ProcEdurE

Benefits will be paid to Plan participants and their beneficiaries without the necessity of formal claims. You and you beneficiaries, however, may make a request for any Plan benefits to which you may be entitled. Any such request must be made in writing, and it should be made to the Plan Administrator c/o Merrill Lynch.

Your request for Plan benefits shall be considered a claim for Plan benefits and it will be subject to a full and fair review. If your claim is wholly or partially denied, you will receive written notice of this denial. The written notice must be provided to you within a reasonable period of time (generally 90 days) after the receipt of your claim by the Plan Administrator. If special circumstances require more time, this claim review period will be extended to a maximum of an additional ninety (90) days. You will be notified in writing of this extension.

Page 19: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

19

If your claim has been denied in whole or in part, you will receive written notice specifying reasons for such denial, the provisions in the Plan document that support these reasons, any additional material or information necessary in order for you to properly assert your claim (and an explanation of why such material or information is necessary) and an explanation of your appeal rights. If you have a question regarding the denial, you may contact the Plan Administrator c/o Merrill Lynch.

You may appeal a denial of benefits within 60 days of the date of the rejection by sending a letter to the Benefit Plan Appeals Committee at DuPont Human Resources — Employee Benefit Appeals, 1007 Market Street, Wilmington, DE 19898 stating why you think your claim should not have been denied, including a copy of the denial letter and any additional information which you believe is relevant to the claim. You will be able to look at all documents, records, and other information relevant to your claim. If you do not appeal the denial of your claim within 60 days, the denial will be final.

The Benefit Plan Appeals Committee will conduct a full review of your appeal within 60 days and will notify you of its decision. If the Benefit Plan Appeals Committee cannot complete its review within 60 days, you will be notified in writing before the end of the initial 60-day period. The Benefit Plan Appeals Committee’s decision on your appeal will be in writing and will include the specific reasons and the Plan provisions on which the decision is based. The Benefit Plan Appeals Committee has full discretion to interpret the Plan and resolve any ambiguities. The decision of the Benefit Plan Appeals Committee is final.

your rIghts undEr ErIsaAs a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (“ERISA”). ERISA provides that all Plan participants shall be entitled to:

• Examine, without charge, at the office of the Plan Administrator and at other specified locations, suchas worksites, all documents governing the Plan and a copy of the latest annual report (Form 5500 series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration.

• Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan and copies of the latest annual report (Form 5500 series) and updated summary plan description. The Plan Administrator may make a reasonable charge for the copies.

• Receive a summary of the Plan’s annual financial report. The Plan Administrator is required by law tofurnish each participant with a copy of this summary annual report.

• Obtain a statement telling you whether you have a right to receive a benefit at normal retirement ageand, if so, what your benefit would be at normal retirement age if you stopped working under the Plan now. If you do not have a right to a benefit, the statement will tell you how many more years you have to work to get a right to a benefit. This statement must be requested in writing and is not required to be given more than once every 12 months. The Plan Administrator must provide the statement free of charge.

Page 20: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

20

In addition to creating rights for Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the Plan. The people who operate your Plan, called “fiduciaries” of the Plan, have a duty to run the Plan prudently and in the interest of you and other Plan participants and beneficiaries. No one, including your employer or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA.

If your claim for a benefit is denied or ignored in whole or in part, you have the right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certainThis Prospectust materials from the Plan Administrator and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or federal court. In addition, if you disagree with the Plan Administrator’s decision or lack thereof concerning the qualified status of a domestic relations order, you may file suit in federal court. If it should happen that Plan fiduciaries misuse the Plan Administrator’s money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you win the suit, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees—for example, if it finds that your claim is frivolous.

If you have any questions about the Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory, or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration.

gEnEral

Plan NameThe full name of the Plan is the DuPont Retirement Savings Plan.

EmployerE. I. du Pont de Nemours and Company1007 Market StreetWilmington, DE 19898

The employer is the Plan sponsor.

Plan AdministratorThe Plan is administered by the Benefit Plans Administrative Committee, which may be contacted at the above address, and at telephone number 302-774-1000.

Page 21: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

21

Plan TypeThe Plan is a safe-harbor 401(k) defined-contribution plan.

Plan IdentificationThe Plan is identified by the following numbers:

• 51-0014090 (The employer identification number assigned to the Company by the IRS.)

• 002 (The number assigned to the Plan by the Company.)

Plan YearThe Plan’s records are kept on a calendar-year basis, January 1 through December 31.

Plan TrusteesAll contributions to the Plan are held in trust funds maintained by the Plan Trustees. The Plan Trustees are:

Merrill Lynch Trust Company, FSBc/o Retirement Group Services1400 Merrill Lynch DriveMSC 943NPennington, NJ 08534

The Northern Trust Company50 South LaSalle StreetChicago, IL 60603

Merrill Lynch also provides record-keeping services for the Plan in accordance with an administrative services contract with DuPont.

Service of Legal ProcessLegal process may be served on the Company or the Plan Trustees.

Laws Governing the PlanThe Plan will be construed and enforced according to the provisions of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), which sets forth the minimum requirements concerning participation, vesting and other matters that an employee benefit plan must satisfy, and provides rules regarding the manner in which an employee benefit plan is to be administered. ERISA also requires that an employee benefit plan prepare periodic reports and provide or make available other information to the participants in the Plan. For additional information concerning your rights under ERISA, see the “Your Rights Under ERISA” section within this SPD.

The Plan is intended to be a tax-qualified plan under Section 401(a) of the Internal Revenue Code, which means that Before-Tax Matching and Retirement Savings Contributions are generally deductible by the Company at the time they are made, but are not taxed to the participants until paid to them from the Plan. In addition, earnings credited to participant accounts are not taxed to the participants until paid to them from the Plan.

Page 22: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

22

Pension Benefit Guaranty CorporationThe Plan is a defined-contribution type of employee benefit plan. Benefits are not a pre-determined amount but rather are based on the amounts contributed to the Plan and the investment performance of the trust fund. For this reason, benefits provided by the Plan are not insured by the Pension Benefit Guaranty Corporation (PBGC) under Title IV of the Employee Retirement Income Security Act of 1974.

No Promise of EmploymentNothing contained in the Plan will be construed as a contract of employment between any employee and the Company. The Plan does not afford any employee any right of continued employment with the Company.

Page 23: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

23

Part IIThis Part II does not form part of the SPD for purposes of ERISA. It only represents additional information forming part of the prospectus for the Plan.

Federal Income Tax ConsequencesYOU ARE URGED TO CONSULT YOUR PERSONAL TAX ADVISOR TO DETERMINE THE SPECIFIC TAX CONSEQUENCES OF THE PLAN (OR ANY COMPONENT THEREOF) AND THE ADVISABILITY OF MAKING ANY TAX ELECTIONS.

ContributionsBefore-Tax Contributions are not subject to federal income tax until distributed from the Plan. Company contributions made on your behalf are also not subject to federal income tax until distributed from the Plan. After-Tax Contributions, however, are subject to federal income tax in the year in which such amounts were otherwise payable to you as current cash compensation. Earnings on your Account balance are not subject to federal income tax until distributed from the Plan. Your contributions are subject to FICA in the year otherwise payable to you as current cash compensation. Company Contributions on your behalf are subject to FICA in the year made.

Subject to limitations imposed by the Internal Revenue Code, Company Contributions are deductible (for federal income tax purposes) by the Company in the year made. The Company is also entitled to a current deduction for compensation which you elect to defer under the Plan, regardless of when such amounts are ultimately distributed from the Plan.

DistributionsAny distribution made to you on account of your termination of employment will be subject to ordinary federal income tax in the year received, unless such amount is rolled over to an eligible retirement plan. Special tax-withholding rules apply to any portion of a rollover-eligible distribution that is not rolled over directly to another plan. If your payment can be rolled over and the payment is made to you in cash, it is subject to 20% federal income tax withholding on the taxable portion (state tax withholding may also apply). The payment is taxed in the year you receive it unless, within 60 days, you roll it over to a Traditional IRA or an eligible employer plan that accepts rollovers.

If you receive only DuPont Common Stock in a payment that can be rolled over, no amount will be withheld from the payment. If you receive cash or property other than DuPont Common Stock, as well as DuPont Common Stock, in a payment that can be rolled over, the 20% withholding amount will be based on the entire taxable amount paid to you. However, the amount withheld will be limited to the cash or property (excluding DuPont Common Stock) paid to you.

Furthermore, the taxable portion of any distribution will be subject to an additional 10% tax unless: you are at least 59½ years old; it is part of a series of substantially equal periodic payments over your life or life expectancy; it is made after your separation from service on or after age 55; it is paid on account of your death or disability, as defined by the IRS; it meets certain rules applicable to distributions to eligible individuals on active military duty; it is paid to an alternate payee under a Qualified Domestic Relations Order; or it is used to pay unreimbursed medical expenses allowable as a deduction by the IRS.

Page 24: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

24

Payments from your 401(k) Plan must begin no later than April 1 of the year following the calendar year in which you reach age 70½ or the calendar year in which you retire. If payment does not begin by then, a 50% penalty tax will apply to the portion of your Account that should have been paid to you.

Plan Loan Offsets If you are subject to a loan offset, and such offset is the only amount you receive or are treated as having received, no amount will be withheld from it. If you receive other payments of cash or property from the Plan, the 20% withholding amount will be based on the entire amount paid to you, including the amount of the loan offset. The amount withheld will be limited to the amount of other cash or property paid to you (other than any employer securities).

Special Tax Treatment If You Were Born Before January 2, 1936 If you receive a rollover-eligible distribution and you do not roll it over to a Traditional IRA or an eligible employer plan, the payment will be taxed as ordinary income in the year you receive it. However, if the payment is a qualified lump-sum distribution you may be eligible for the 20% capital gain election, the 10-year tax option, or both. These are special formulas that may result in a smaller tax than if the distribution is taxed as ordinary income. See IRS Form 4972 for additional information on qualified lump sum distributions and how you elect the special tax treatment.

Employer Stock or Securities There is a special rule for a payment from the Plan for certain “qualified lump-sum distributions” that include DuPont Common Stock (or other employer securities). Under this special rule, you may have the option of not paying tax on the “net unrealized appreciation” of the stock until you sell the stock. If you receive employer stock in, qualified lump-sum distribution, the special tax treatment for lump-sum distributions described above also may apply. See IRS Form 4972 for additional information on these rules.

Additional InformationThis Prospectus relates to 10,000,000 shares of DuPont Common Stock registered with the Securities and Exchange Commission on Form S-8 (File No. 333-129496, hereafter referred to as the “Registration Statement”) and all shares of DuPont Common Stock previously registered on Form S-8 for issuance but not yet issued under the Plan as of the date hereof. For further information with respect to the Company and the securities offered hereby, reference is made to the Registration Statement, including exhibits thereto, which may be inspected at the public reference facility maintained by the Commission at Room 1024, 450 Fifth Street, N.W., Washington, D.C. 20549, where copies also may be obtained (at prescribed rates). The Securities and Exchange Commission also maintains a website at http://www.sec.gov that contains reports, proxy statements and other information.

The Company is subject to the information reporting requirements of the Exchange Act, and, in accordance therewith, files periodic reports, proxy statements and other information with the Commission. Reports and other information concerning the Company may be inspected and copied at the locations indicated above.

Page 25: Your DuPont Benefit Resources DuPont Retirement … DuPont Benefit Resources DuPont Retirement Savings Plan July 2013 As of July 2013, participating employers in the DuPont Retirement

DuPont Retirement Savings Plan

25

Incorporation of Certain Documents by ReferenceThe documents incorporated by reference in Item 3 of Part II of the Registration Statement and the description therein of the class of securities offered under the Plan are incorporated herein by reference. All documents subsequently filed by the Company pursuant to section 13(a) or 15(d) of the Exchange Act shall be deemed to be incorporated by reference into this Prospectus and to be a part hereof from the date of the filing of such document.

The Company will provide without charge to each person to whom this Prospectus is delivered, on the written or oral request of such person, a copy of any or all of the foregoing documents incorporated herein by reference (other than exhibits to such documents), as well as stockholder communications and other reports furnished to stockholders of the Company on a continuing basis, the Plan and any other documents to be delivered to participants of the Plan in accordance with the requirements of Form S-8.

All documents incorporated herein by reference or otherwise described in the preceding paragraph are available without charge, upon written or oral request to the Benefits Administrative Committee at the address and phone listed on page 20.

Restrictions on ResaleThis Prospectus does not cover sales or other dispositions of the Company’s stock received under the Plan by any person who may be deemed to be an affiliated person. Such sales or other dispositions may be made in compliance with the registration requirements of the federal securities laws or the requirements of Rule 144 promulgated thereunder, without being subject to the holding period requirement of such Rule, or may be made pursuant to another exemption from such registration. There will be no such restrictions upon sales or other dispositions of the Company’s stock by recipients who are not affiliated persons. An affiliated person, for purposes of the federal securities laws, generally means a senior officer, director or other person who is deemed to control the Company.

Copyright © 2013 DuPont. The DuPont Oval and DuPont™ are trademarks or registered trademarks of E. I. du Pont de Nemours and Company or its affiliates.

K-15807 (Rev. 7/2013)