Enrolling: the choice is yours

Transcription

1 Enrolling: he choice is yours Congraulaions! By deciding o paricipae in MORRISON, EKRE, & BART's qualified reiremen plan, you are aking conrol of your financial fuure. From he day you join, your reiremen plan sars working o help you build your reiremen savings. You will need your Conrac number: and your Enrollmen access number: Online Go o I s quick and easy! On he phone Call us a JHENROLL Talk o an enrollmen represenaive o enroll on he phone. They can also answer quesions you may have around he process of joining your company s plan, moving oher reiremen plans ino you new plan and much more. We are available from 9am o 6pm (EST), Monday o Friday. Use he enrollmen form Carefully fill in all he required informaion including your personal deails, conribuion amoun and invesmen opions. Remember o sign and dae he las page of he form and reurn all pages o your plan adminisraor. jheform.com Or scan he QRC image wih your smarphone Your PIN: The aached Personal Idenificaion Number (PIN) and PIN card found on he firs page of he form provides you wih secure access o your accoun informaion. Your PIN is imporan. Please deach and pu in a safe place. Never share his informaion wih anyone.

2 Things you need o know Abou choosing a conribuion amoun You can conribue o your qualified reiremen accoun using Pre-ax money. Pre-ax: your conribuions are no axed unil you reire and may be in a lower ax bracke. Abou choosing your invesmen opions There are TWO ways o choose how your conribuions will be allocaed: 1) EZChoice: Wih one decision, allocae all of your conribuions o one professionally managed and diversified asse allocaion porfolio. Choose one of he following: a) Lifecycle Porfolio based on a arge dae ha is closes o he year ha you aain age 67. b) Lifesyle Porfolio based on your risk olerance. On he form, hey are lised in order of lower (blue) o higher (red) risk. PS 2) Your Choice: Research and selec your invesmen opions from all of he Funds available under your company's qualified reiremen plan as lised on he following pages. For more informaion on hese Funds, see he Invesmen Opions (Fund Shees) secion of our websie or from your plan adminisraor. Ener he percenage you wan o inves beside he corresponding Fund. If you selec Your Choice, remember ha you mus provide whole percenages only and he oal sum of all percenages mus equal 100%. Noe: 1. If your allocaion insrucions under Your Choice are no legible or do no equal 100%, John Hancock will prorae he allocaion insrucions you have provided o equal 100%. In he even ha John Hancock canno prorae your insrucions, your conribuions will be allocaed o he defaul invesmen opion designaed by your plan rusee. 2. If muliple boxes have been checked in he EZChoice secion, if boh EZChoice and YOUR CHOICE secions have been filled ou, if John Hancock receives your conribuions before i receives your invesmen insrucions and/or you do no provide a signaure on your enrollmen form, all your conribuions will be invesed ino he defaul invesmen opion designaed by your plan rusee, provided John Hancock has your firs and las name and Social Securiy Number. 3. If you have seleced a Lifecycle Porfolio in he EZChoice secion and have no provided a Dae of Birh, hen all of your conribuions will be invesed, and will remain invesed, in he 2010 porfolio in he seleced suie of Lifecycle Porfolios unil new insrucions are provided. Abou he moving forward secion Consolidae your reiremen savings Consolidae all your qualified reiremen accouns (401(k), 457(b) *, 403(b), IRA, ec) ino your new qualified reiremen accoun. To do his, simply indicae ha you would like help consolidaing your accouns on he enrollmen form or call us a * Only governmenal 457(b) accouns can be consolidaed ino qualified reiremen accouns. If you have any quesions Your plan adminisraor can help you wih any quesions you may have abou your company s qualified reiremen plan, your eligibiliy for he plan, naming a beneficiary, his form or if you require anoher form. More informaion is also available a

3 Your Enrollmen Form To complee his form, read he aached insrucions. Reurn he compleed form o your plan adminisraor Do no lose his card! Use his card for iniial access o our services. If you forge your cusomized access informaion, you can use he PIN on he back and he balance from a recen saemen o rese your accoun. Please noe, This is no your conrac number. PIN card DPNQBOZ OBNF MORRISON, EKRE, & BART DPOUSBDU OVNCFS DETACH PIN CARD HERE BEFORE SUBMITTING ENROLLMENT FORM. Please keep his card for fuure reference. PERSONAL INFORMATION Provide us informaion abou you Las Name Firs Name, Iniial PLEASE PRINT PLEASE PRINT Social Securiy Number Dae of birh (mmm/dd/yyyy) XXX XX XXXX mmm / dd / yyyy CONTRIBUTIONS Selec your conribuion amoun PRE-TAX CONTRIBUTIONS J fmfdu up dpousjcvuf uif gpmmpxjoh qfsdfoubhf ps bnpvou qfs qbz qfsjpe po b qsf.uby cbj, ; )Tfmfdu pof cpy pomz* 15% 12% 9% 6% 3% OR Oher: % + Subjec o he plan's conribuion limi and IRS limis. INVESTMENT OPTIONS Selec your invesmen opions. Choose eiher 1. EZCHOICE OR 2. YOUR CHOICE 1. EZCHOICE: Check one box only in his secion. 100% of your conribuions will be placed in his porfolio. Tear ou, complee and reurn o your plan adminisraor. Page 1 of 4 John Hancock Lifecycle Porfolios John Hancock Lifesyle Porfolios Reiremen Choices RC 100% Conservaive Porfolio CLS 100% Moderae Porfolio MLS 100% Balanced Porfolio BLS 100% Growh Porfolio GLS 100% Aggressive Porfolio ALS 100% If you choose EZChoice, go direcly o page 4 o complee he Moving Forward informaion and sign he form. Your company's plan offers invesmen opions hrough is group annuiy conrac wih John Hancock Life Insurance Company (U.S.A.) Q E01 Page 1 of 4 GA

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5 Enrollmen Form coninued Social Securiy Number X X X X X X X X X Conrac Number: INVESTMENT OPTIONS coninued Sfnjoefs; ljq up qbhf 5 jg zpv fmfdufe F[Dipjdf/ 2. YOUR CHOICE: Ener a percenage for each invesmen opion ino which your conribuions will be placed. A selecion of deailed Fund shees is available on our websie, along wih Reurns and Fees informaion for he mos recen monh-end. These conain imporan informaion for each invesmen opion available under he group annuiy conrac, including deails on he underlying muual funds, invesmen objecives, level of risk, underlying allocaions and charges, as well as oher imporan informaion abou he invesmen opions which should be carefully considered. Please read his informaion carefully prior o choosing your invesmen opions. n You can choose professionally consruced and mixed porfolios, creae your own mix, or a combinaion of boh. n Each invesmen opion you can choose from is color-coded o show he level of risk and poenial reurn. Each color represens a differen level of risk versus poenial reurn, ranging from conservaive (blue) o aggressive (red). n The oal sum of all percenages mus equal 100%. Noe: Allocaing asses o only one or a small number of he invesmen opions (oher han professionally consruced and mixed Porfolios) should no be considered a balanced invesmen program. In paricular, allocaing asses o a small number of opions concenraed in paricular business or marke secors will subjec your accoun o increased risk and volailiy. Examples of business or marke secors where his risk may be paricularly high include: a) echnology-relaed businesses, including Inerne relaed businesses, b) small cap securiies and c) foreign securiies. We do no provide advice regarding appropriae invesmen opion allocaions. Conac your financial represenaive for more deails. Oher han he Guaraneed Ineres Accouns, uni values depend on marke performance and are NOT guaraneed. Asse Allocaion Porfolios Lifecycle Porfolios CODE % Reiremen Choices sub-advised by John Hancock Asse Mgm Reiremen Choices a 2010 Reiremen Choices a 2015 Reiremen Choices a 2020 Reiremen Choices a 2025 Reiremen Choices a 2030 Reiremen Choices a 2035 Reiremen Choices a 2040 Reiremen Choices a 2045 Reiremen Choices a 2050 Individual Invesmen Opions CZB CZC CZD CZE CZF CZG CZH CZI CZJ Conservaive CODE % John Hancock Sable Value Fund sub-advised by John Hancock Life Insurance Company (U.S.A.) MSV Income CODE % Toal Bond Marke Fund sub-advised by Declaraion Managemen & Research, LLC Acive Bond Fund sub-advised by Declaraion Managemen & Research LLC/John Hancock Asse Managemen Sraegic Income Opporuniies Fund sub-advised by John Hancock Asse Managemen Templeon Global Bond Fund sub-advised by Franklin Templeon DFA Inflaion-Proeced Securiies Fund subadvised by Dimensional Fund Advisors, Inc. (DFA) High Yield Fund sub-advised by Wesern Asse Managemen Co. (WAMCO) BIF DVB SIM TGB INP HYF Lifesyle Porfolios CODE % John Hancock sub-advised by John Hancock Asse Mgm Lifesyle Fund - Conservaive Porfolio Lifesyle Fund - Moderae Porfolio Lifesyle Fund - Balanced Porfolio Lifesyle Fund - Growh Porfolio Lifesyle Fund - Aggressive Porfolio CLS MLS BLS GLS ALS Growh & Income CODE % John Hancock Alernaive Asse Allocaion Fund sub-advised by John Hancock Asse Managemen Muual Global Discovery Fund sub-advised by Franklin Templeon Core Global Diversificaion Porfolio sub-advised by John Hancock Asse Managemen T. Rowe Price Capial Appreciaion Fund subadvised by T. Rowe Price Associaes, Inc. Parnassus Equiy Income Fund sub-advised by Parnassus Invesmens 500 Index Fund sub-advised by John Hancock Asse Managemen Fundamenal Large Cap Value Fund sub-advised by John Hancock Asse Managemen ALA DIS AGD TCP PEI IND EQI Growh CODE % Toal Sock Marke Index Fund sub-advised by John Hancock Asse Managemen Uiliies Fund sub-advised by MFS Invesmen Managemen TSM ULT Turn he page for more invesmen opions... Tear ou, complee and reurn o your plan adminisraor. Page 2 of 4 Q E01 Page 2 of 4 GA

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7 Enrollmen Form coninued Social Securiy Number X X X X X X X X X Conrac Number: Growh CODE % New Perspecive Fund sub-advised by American Funds Group All Cap Core Fund sub-advised by QS Invesors, LLC Templeon World Fund sub-advised by Franklin Templeon Fundamenal All Cap Core Fund sub-advised by John Hancock Asse Managemen John Hancock Disciplined Value Mid Cap Fund sub-advised by Robeco Invesmen Managemen, Inc. Mid Cap Index Fund sub-advised by John Hancock Asse Managemen Blue Chip Growh Fund sub-advised by T. Rowe Price Associaes, Inc. ANP GRF DIV QAC DVM MCI BCF Aggressive Growh CODE % T. Rowe Price Healh Sciences Fund sub-advised by T. Rowe Price Associaes, Inc. Small Cap Index Fund sub-advised by John Hancock Asse Managemen Science & Technology Fund sub-advised by T. Rowe Price Associaes, Inc. & Allianz Global Invesors U.S., LLC Your Choice TOTAL HLS SCI STF 100% Aggressive Growh CODE % Inernaional Equiy Index Fund sub-advised by SSgA Funds Managemen, Inc. Small Cap Growh Index Fund sub-advised by Vanguard Group, Inc. DFA US Small Cap Fund sub-advised by Dimensional Fund Advisors, Inc. (DFA) DFA U.S. Targeed Value Fund sub-advised by Dimensional Fund Advisors, Inc. (DFA) SSgA Mid Cap Growh Index Fund sub-advised by SSgA Funds Managemen, Inc. Energy Fund sub-advised by Vanguard Group, Inc. Fideliy Advisor Leveraged Company Sock Fund sub-advised by Fideliy Managemen & Research Company (Fideliy) Naural Resources Fund sub-advised by Wellingon Managemen Company, LLP/RS Invesmens Real Esae Securiies Fund sub-advised by Deusche Asse Managemen, Inc. IIF VSG SCP DUT SSG VEN FLC RES REF IMPORTANT The oal of all your fund selecions in he Your Choice secion MUST EQUAL 100% Tear ou, complee and reurn o your plan adminisraor. Page 3 of 4 Q E01 Page 3 of 4 GA

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9 Enrollmen Form coninued Social Securiy Number X X X X X X X X X Conrac Number: MOVING FORWARD Taking advanage of oher benefis CONSOLIDATE MY ACCOUNTS YES! I would like help in consolidaing my reiremen accouns. * Conac me a ( ) - and ( address ** ) o discuss my opions. The bes ime o call is around A.M/P.M. EST (or, call us direcly a ). * Available for plans uilizing John Hancock s consolidaion services; rollovers are subjec o he provisions of your company s plan. ** addresses will only be used for consolidaion services. SIGNATURE I elec no o conribue a his ime. Noe: Conac your plan adminisraor o deermine he nex plan enry dae. I acknowledge ha if I have seleced he I elec no o conribue box on his form, I will no be making any conribuions o he plan. I acknowledge ha his plan offers invesmen opions hrough my company's group annuiy conrac wih John Hancock and ha I have read and undersand he insrucions ha accompany his form including informaion on EZChoice, Your Choice and he erms, condiions, resricions, fees and risk ha relae o hem and oher pars of he insrucions. If I have seleced a Lifecycle Porfolio in he EZChoice secion, I undersand ha my porfolio will be based on my provided age and wih a arge reiremen dae ha is closes o he year ha I aain age 67. X mmm / dd / yyyy Signaure of Paricipan Prin Name Dae Tear ou, complee and reurn o your plan adminisraor. Page 4 of 4 John Hancock Life Insurance Company (U.S.A.) (John Hancock USA) and John Hancock Life Insurance Company of New York (John Hancock New York) herein collecively referred o as "John Hancock". Group annuiy conracs are issued by John Hancock Life Insurance Company (U.S.A.) (John Hancock USA). In New York, producs are issued by John Hancock Life Insurance Company of New York (John Hancock New York). John Hancock Invesmen Managemen Services, LLC, a regisered invesmen adviser, provides invesmen informaion relaing o he conrac. NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT INSURED BY ANY GOVERNMENT AGENCY 2014 John Hancock Life Insurance Company (U.S.A.), a Manulife Financial company. All righs reserved. Make sure you sign above, hen reurn form and any oher iems o your plan adminisraor. Q E01 Page 4 of 4 GA

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11 Beneficiary Designaion Form Beneficiary designaion informaion below is solely for he benefi of he plan adminisraor of MORRISON, EKRE, & BART. This informaion shall no be mainained or aced upon by John Hancock USA. Repor any change o his informaion direcly o he plan adminisraor a your company. Noe: Please review your Summary Plan Documen o ensure your beneficiary designaions are made in accordance wih he requiremens of he plan. Your plan may be subjec o he join and survivor annuiy requiremen. For oher plans, you mus elec your spouse as sole primary beneficiary, unless he/she consens in wriing o you naming anoher primary beneficiary. Your plan adminisraor can ell you if hese requiremens apply o your plan and wheher a differen beneficiary form may be required. CONTRACT NUMBER SOCIAL SECURITY NUMBER X X X X X X X X X Name (Las Name, Firs Name, Iniial) PLEASE PRINT MARRIED paricipan I undersand ha I mus elec my spouse as sole Primary Beneficiary under his plan unless he/she consens in wriing o my naming anoher Primary Beneficiary. (See your plan adminisraor for a Spousal Consen Form if naming a Primary Beneficiary oher han your spouse.) UNMARRIED paricipan I undersand ha he following designaion becomes null and void in he even of my marriage. I will promply inform my plan adminisraor of any change in my marial saus. BENEFICIARY DESIGNATION PRIMARY BENEFICIARY Name (Las Name, Firs Name, Iniial) PLEASE PRINT Telephone number Social securiy number Dae of birh Relaionship o paricipan % Share XXX XX XXX mmm / dd / yyyy Address Ciy Sae Zip code CONTINGENT BENEFICIARY Name (Las Name, Firs Name, Iniial) PLEASE PRINT Telephone number Tear ou and reurn o your plan adminisraor. Page 1 of 1 Social securiy number Dae of birh Relaionship o paricipan % Share XXX XX XXX mmm / dd / yyyy Address Ciy Sae Zip code Exra Page for Addiional Beneficiaries Aached. If you require addiional space o include more primary and/ or coningen beneficiaries, please aach a separae page providing all he above designaion informaion and he percenage of each beneficiary. Noe: Percenage shares mus equal 100% for boh primary and coningen beneficiaries. SIGNATURE I hereby designae he individual(s) lised as my beneficiary(ies) o receive he remaining vesed balance of my plan accoun (if any) if I die before I receive my benefi under he plan. I hereby revoke any prior beneficiary designaion(s) ha I have made for such benefi. I undersand ha if I oulive my primary beneficiary(ies) and, if applicable, my coningen beneficiary(ies), my benefi will be paid in accordance wih he erms of he plan. X Signaure of Paricipan Dae mmm / dd / yyyy Q Reurn o your plan adminisraor. Do NOT reurn o John Hancock. GA

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