Enrolling: getting started is easy

Transcription

1 Enrolling: geing sared is easy Congraulaions! By deciding o paricipae in PHOENIX CRANE SERVICE's 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. Your enrollmen opion Form Complee an enrollmen form Carefully fill in all he required informaion including your personal deails, conribuion amoun and invesmen opions. Remember o sign and dae he form and provide all compleed pages o your plan adminisraor. Wach how easy i is o enroll wih John Hancock, go o jhenrollmen.com

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 You ll need o decide how your conribuions will be allocaed by choosing ONE of he following opions: 1) Explore my opions now: You re ready o explore and selec your invesmen opions from all he Funds available under your company s reiremen plan as lised on he following pages. Ener he percenage beside he corresponding Fund(s) you wan o inves. You mus provide whole percenages only and he oal sum of all percenages mus equal 100%. 2) I ll review my opions laer: This opion is available if you are no sure which invesmen opion you wan o selec and jus wan o ge sared oday. Wih one direcion, you can allocae 100% of your conribuions o he defaul invesmen opion (DIO) ha has been seleced by your plan rusee(s). By selecing his opion, you undersand ha if your plans DIO changes, you will remain invesed he Fund(s) lised on he form. If a Targe Dae Porfolio is seleced as he DIO, you ll be invesed based on he arge dae ha is closes o he year you aain age 67. A anyime, you can updae or change your invesmen insrucion by visiing our websie, calling or speaking wih your plan adminisraor. To view all he invesmen opions including individual Fund shees available in your company s plan, go o our websie or speak wih your plan adminisraor. Noe: 1. If your allocaions insrucions under Explore my opions secion are no legible or do no equal 100%, John Hancock will prorae he allocaion insrucion you have provided o equal 100%. In he even ha John Hancock canno prorae your insrucions (e.g. you filled ou boh he Explore my opions and I ll review my opions laer secions or your invesmen insrucions add o more han 100%) and/or you do no provide a signaure on your enrollmen form, your conribuions will be allocaed o he defaul invesmen opions designaed by your plan rusee(s). 2. If under Explore your opions secion you seleced he check box for a Targe Dae Porfolio a 100% based on your age and reiremen dae of 67, bu have no provided a Dae of Birh, hen all of your conribuions will be invesed, and will remain invesed, in he mos conservaive porfolio in he seleced suie of Targe Dae Porfolios unil new insrucions are provided. Consider consolidaing your reiremen accouns If you have oher reiremen accouns such as a 401(k) plan wih a former employer or an IRA, you may be able o move hese ino your new reiremen accoun wih John Hancock^. To learn more abou his opion and if consolidaing your accoun is righ for you, simply indicae ha you would like o discuss your opions on he enrollmen form or call us a Available for plans uilizing John Hancock s consolidaion services; rollovers are subjec o he provisions of your company s plan. 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 ^Speak wih a Financial Represenaive o deermine if combining your reiremen accouns is suiable for you, as oher opions are available.

3 Your Enrollmen Form To complee his form, read he aached insrucions. Reurn he compleed form o your plan adminisraor. DPNQBOZ OBNF PHOENIX CRANE SERVICE DPOUSBDU OVNCFS Need help? Talk wih your personal enrollmen specialis a JHENROLL ( ) PERSONAL INFORMATION Complee required informaion Las Name Firs Name, Iniial Social Securiy Number Dae of birh (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% OR Oher:. % + Subjec o he plan's conribuion limi and IRS limis. INVESTMENT OPTIONS Selec ONE of he following opions 1) EXPLORE MY OPTIONS NOW: Qspdffe up uif gpmmpxjoh qbhf/ 2) I'LL REVIEW MY OPTIONS LATER: J fmfdu up dpousjcvuf 211& pg nz dpousjcvujpo up uif efgbvmu jowfunfou pqujpo )mjufe cfmpx* efjhobufe cz nz qmbo usvuff)*/ John Hancock Mulimanager Balanced Lifesyle Porfolio BLS 100% CONSIDER CONSOLIDATING YOUR RETIREMENT ACCOUNTS YES! I would like o discuss if consolidaing is righ for me. Conac me a ( ) - AM/PM or * * addresses will only be used for consolidaion services. Tear ou, complee and reurn o your plan adminisraor. Page 1 of 4 SIGNATURE - If you seleced I ll Review My Opions Laer, sign below and reurn o your plan adminisaror. 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 abou choosing your invesmen opions and he erms, condiions, resricions, fees and risk ha relae o hem and oher pars of he insrucions. If he defaul invesmen opion seleced by he plan is a Targe Dae Porfolio, I undersand ha my porfolio will be based on my provided age wih a arge dae ha is closes o he year ha I aain age 67. X Signaure of Paricipan Prin Name mmm / dd / yyyy Dae Your company's plan offers invesmen opions hrough is group annuiy conrac wih John Hancock Life Insurance Company (U.S.A.) HU.Q Page 1 of 4 06/02/ E01 GA

4 Enrollmen Form coninued Social Securiy Number - - Conrac Number: INVESTMENT OPTIONS coninued EXPLORE MY OPTIONS NOW: 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 from asse allocaion porfolios, creae your own mix, or a combinaion of boh using he Funds available in your company s reiremen plan lised on he following pages. 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 an asse allocaion invesmen opion such as a arge dae or arge risk opion) should no be considered a balanced invesmen program. In paricular, allocaing asses o a small number of invesmen opions concenraed in paricular business or marke secors could subjec an accoun o increased risk and volailiy. Oher han he Guaraneed Ineres Accouns, uni values depend on marke performance and are NOT guaraneed. Asse Allocaion Porfolios Targe Risk Porfolios CODE % Mulimanager Lifesyle sub-advised by John Hancock Asse Mgm John Hancock Mulimanager Aggressive Lifesyle Porfolio John Hancock Mulimanager Growh Lifesyle Porfolio John Hancock Mulimanager Balanced Lifesyle Porfolio John Hancock Mulimanager Moderae Lifesyle Porfolio John Hancock Mulimanager Conservaive Lifesyle Porfolio Individual Invesmen Opions ALS GLS BLS MLS CLS Conservaive CODE % 3-Year Guaraneed Ineres Accoun 5-Year Guaraneed Ineres Accoun 10-Year Guaraneed Ineres Accoun Money Marke Fund sub-advised by John Hancock Asse Managemen Vanguard Shor-Term Federal Fund sub-advised by Vanguard Group, Inc. 3YC 5YC 10YC MMR GOV Income CODE % Real Reurn Bond Fund sub-advised by Pacific Invesmen Managemen Company Sraegic Income Opporuniies Fund sub-advised by John Hancock Asse Managemen Toal Bond Marke Fund sub-advised by John Hancock Asse Managemen U.S. High Yield Bond Fund sub-advised by Wells Capial Managemen, Inc RRB SIM BIF USH Tear ou, complee and reurn o your plan adminisraor. Page 2 of 4 Income CODE % Core Bond Fund sub-advised by Wells Capial Managemen, Inc Fideliy Advisor Toal Bond Fund sub-advised by Fideliy Managemen & Research Company (Fideliy) Global Bond Fund sub-advised by Pacific Invesmen Managemen Company High Yield Fund sub-advised by Wesern Asse Managemen Co. (WAMCO) Invesmen Qualiy Bond Fund sub-advised by Wellingon Managemen Company, LLP John Hancock Bond Fund sub-advised by John Hancock Asse Managemen COR FBF GLB HYF IQB JHB Growh & Income CODE % American Balanced Fund sub-advised by American Funds Group BlackRock Global Allocaion Fund sub-advised by BlackRock Invesmen Managemen, LLC Uiliies Fund sub-advised by MFS Invesmen Managemen ABF BGA ULT Growh CODE % 500 Index Fund sub-advised by John Hancock Asse Managemen Blue Chip Growh Fund sub-advised by T. Rowe Price Associaes, Inc. IND BCF Turn he page for more invesmen opions... HU.Q Page 2 of 4 06/02/ E01 GA

5 Enrollmen Form coninued Social Securiy Number - - Conrac Number: Growh CODE % Capial Appreciaion Fund sub-advised by Jennison Associaes LLC Equiy Income Fund sub-advised by T. Rowe Price Associaes, Inc. EuroPacific Growh Fund sub-advised by American Funds Group Fundamenal All Cap Core Fund sub-advised by John Hancock Asse Managemen Fundamenal Invesors sub-advised by American Funds Group Fundamenal Large Cap Value Fund sub-advised by John Hancock Asse Managemen Invesco Inernaional Growh Fund sub-advised by Invesco Advisers, Inc. JPMorgan U.S. Equiy Fund sub-advised by J.P. Morgan Invesmen Managemen Inc. Mid Cap Index Fund sub-advised by John Hancock Asse Managemen Mid Value Fund sub-advised by T. Rowe Price Associaes, Inc. Templeon World Fund sub-advised by Franklin Templeon The Growh Fund of America sub-advised by American Funds Group The Invesmen Company of America sub-advised by American Funds Group Toal Sock Marke Index Fund sub-advised by John Hancock Asse Managemen U.S. Growh Fund sub-advised by Wellingon Managemen Company, LLP Value Fund sub-advised by Invesco Advisers, Inc. Washingon Muual Invesors Fund sub-advised by American Funds Group CPA EIF EPG QAC AFI EQI IOF JPE MCI MVF DIV GFA ICA TSM LRC VLF WMI Aggressive Growh CODE % American Cenury Heriage Fund sub-advised by American Cenury Invesmen Managemen, Inc. DFA U.S. Targeed Value Fund sub-advised by Dimensional Fund Advisors, Inc. (DFA) Financial Indusries Fund sub-advised by John Hancock Asse Managemen HER DUT FSF Aggressive Growh CODE % Inernaional Equiy Index Fund sub-advised by SSgA Funds Managemen, Inc. Inernaional Small Cap Fund sub-advised by Franklin Templeon Inernaional Value Fund sub-advised by Franklin Templeon Invesco Small Cap Growh Fund sub-advised by Invesco Advisers, Inc. John Hancock Disciplined Value Inernaional Fund sub-advised by Robeco Invesmen Managemen, Inc. Mid Cap Sock Fund sub-advised by Wellingon Managemen Company, LLP Naural Resources Fund sub-advised by Jennison Associaes LLC New Opporuniies Fund sub-advised by Dimensional Fund Advisors, Inc. (DFA) & Invesco Advisers, Inc. Real Esae Securiies Fund sub-advised by Deusche Asse Managemen, Inc. Science & Technology Fund sub-advised by T. Rowe Price Associaes, Inc. & Allianz Global Invesors U.S., LLC Small Cap Growh Fund sub-advised by Wellingon Managemen Company, LLP Small Cap Index Fund sub-advised by John Hancock Asse Managemen Small Cap Value Fund sub-advised by Wellingon Managemen Company, LLP Small Company Value Fund sub-advised by T. Rowe Price Associaes, Inc. T. Rowe Price Healh Sciences Fund sub-advised by T. Rowe Price Associaes, Inc. Vanguard Small Cap Growh Index Fund sub-advised by Vanguard Group, Inc. IIF ISF ITV SCO ITS MCS RES SPO REF STF SCF SCI SMV SMF HLS VSG Tear ou, complee and reurn o your plan adminisraor. Page 3 of 4 Explore my opions now TOTAL 100% IMPORTANT The oal of all your fund selecions MUST EQUAL 100% HU.Q Page 3 of 4 06/02/ E01 GA

6 Enrollmen Form coninued Social Securiy Number - - Conrac Number: SIGNATURE If you seleced Explore my opions now, sign below and reurn all pages o your plan adminisraor. 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 choosing your invesmen opions and he erms, condiions, resricions, fees and risk ha relae o hem and oher pars of he insrucions. If I have seleced a Targe Dae Porfolio based on my curren age and reiring a 67, I undersand my porfolio will be seleced based on a arge dae ha is closes o he year 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) is referred o as "John Hancock". Group annuiy conracs and recordkeeping agreemens are issued by John Hancock Life Insurance Company (U.S.A.), Boson, MA (no licensed in New York). John Hancock Life Insurance Company (U.S.A.) makes available a plaform of invesmen alernaives o sponsors or adminisraors of reiremen plans wihou regard o he individualized needs of any plan. Unless oherwise specifically saed in wriing, John Hancock Life Insurance Company (U.S.A.) does no, and is no underaking o, provide imparial invesmen advice or give advice in a fiduciary capaciy. No insured by he Federal Deposi Insurance Corporaion (FDIC) MAY LOSE VALUE NOT BANK GUARANTEED 2017 All righs reserved. Make sure you sign above, hen reurn form and any oher iems o your plan adminisraor. HU.Q Page 4 of 4 06/02/ E01 GA

7 Beneficiary Designaion Form Beneficiary designaion informaion below is solely for he benefi of he plan adminisraor of PHOENIX CRANE SERVICE. 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: Your plan may be subjec o he join and survivor annuiy requiremen. If i is, check wih your plan adminisraor, as a differen beneficiary form may be required. Your plan adminisraor can ell you if his requiremen applies o your plan. For oher plans, you mus elec your spouse as sole Primary Beneficiary, unless he/she consens in wriing o your naming anoher Primary Beneficiary. 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 XXXX 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 XXXX 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 above individual(s) as my beneficiary(ies) o receive he benefi payable (if any) under his plan in respec of my deah. I undersand ha if I oulive my primary beneficiary(ies), benefis will be paid o my esae on my deah unless I designae a coningen beneficiary(ies). X Signaure of Paricipan Dae mmm / dd / yyyy HU.Q Reurn o your plan adminisraor. Do NOT reurn o John Hancock. GA