Then, complete a salary reduction agreement form by either going on-line or by contacting PlanConnect at the phone number indicated below.

Transcription

1 Welcome! We re PlanConnect Your Employer s New 403(b) Plan Administrator Your plan sponsor, Huron City Schools, selected PlanConnect as the third-party administrator for its 403(b) plan. We are excited to be working you and are committed to providing you with information, tools, and resources you can use to help you get the most out of the plan. Huron City School s 403(b) Plan Is a Valuable Benefit Whether you are just starting out or have been working many years, the 403(b) plan can be an excellent way to help you build up your retirement savings. It offers the convenience of automatic payroll deductions and gives you the ability to save with pre-tax dollars that means your contributions and any investment earnings can be taxdeferred until withdrawn. Here s some important information about the plan. Who Is Eligible You are generally eligible to participate in your employer s 403(b) plan if you are a full-time or part-time employee. You may not be eligible to participate in your employer s 403(b) plan if any of the following apply. For further information regarding the eligibility provisions under your employer s plan, please contact PlanConnect using the contact information provided below. You will contribute $200 annually or less. You are a non-resident alien. You normally work less than 20 hours per week and are either not expected to work 1,000 hours or more during your first year of employment, or have worked less than 1,000 hours in the prior calendar year. You are eligible to participate in any other 403(b), 401(k), or governmental 457(b) plan we sponsor. If you are a student performing services for a school, college, or university described in Section 3121(b)10 of the Internal Revenue Code. You are a leased employee or an independent contractor. How to Enroll Current plan participants You do not need to re-enroll in the plan or take any other action. If you are not yet a plan member You can enroll at any time. It s easy: First complete an annuity contract or custodial account application to set up your plan account. Application forms are available from the representative of the investment provider you select. For a list of available investment providers log on to and select My Investments > Investment Provider. Then, complete a salary reduction agreement form by either going on-line or by contacting PlanConnect at the phone number indicated below. Your participation will begin at the start of the payroll period following the date PlanConnect and your Payroll Department process your completed salary reduction agreement. Contributions to the Plan What type of contributions can I make to the plan? The first time you log on to Your user ID is your Social Security Number (without any spaces or dashes) and your password is your date of birth (mmddyyyy). You can change your user ID and password any time after your initial login. Your employer s plan accepts pre-tax salary deferral contributions and may permit other types of contributions. To learn more, please log into the plan website and select References > Plan Information >Your Plan Features or contact PlanConnect.

2 Each year the IRS sets a limit on how much you can contribute This year the limit is $17,500. You may also make catch-up contributions of up to $5,500 if you will be age 50 or older by December 31 st of this year. And, under certain conditions, additional catch-up contributions may be permitted if you have at least 15 years of service with <<Employer Name>>. For more information, log in to and select References > Plan Information > Your Plan Features. t sure how much you can contribute? Use our contribution calculator. It s on under Learning Center > Tools & Calculators (no login needed). te, however, that if you make pre-tax contributions to another 403(b), 401(k), SIMPLE IRA, or SARSEP plan, you should check with your tax advisor or investment provider to ensure that your combined contributions don t exceed the limit. Change or stop your contributions at any time Just log in to and select Log Into Your Account. Or, you can contact PlanConnect at the phone number indicated below. The change will take effect at the start of the payroll period following the date your Payroll Department processes your request. is the place where you can: Learn about your employer s plan. Enroll in the plan. Check your account balance in the plan. Make changes to your contribution rate and/or initiate other plan transactions. Get a list of the plan s investment providers. Access online tools and resources, which are designed to help you get and stay on track to reach your retirement savings goal. We Are Ready to Assist You To enroll, initiate a contribution rate change, and/or learn more about the plan and retirement issues: Go to Send us an at support@planconnect.com. Call us at (800) (9 a.m. 5 p.m. ET, Monday through Friday). We look forward to connecting with you and helping you reach your retirement savings goals. Sincerely, Brayton Wicks President PlanConnect, LLC is a wholly owned subsidiary of AXA Distribution Holding Corporation, an indirect subsidiary of AXA Financial, Inc. PlanConnect, Connect2Remit, Connect2Comply, Connect2Maintain and Connect2Achieve are registered service marks of AXA Distribution Holding Corporation. PlanConnect may not be available in all states. AXA Financial, Inc. and its family of companies do not provide tax advice. Please consult with your tax advisor regarding your particular circumstances. Each company is affiliated. AXA Distribution Holding Corporation and AXA Financial, Inc. are located at 1290 Avenue of the Americas, New York, NY 10104, (212) PlanConnect, LLC is located at 100 Madison Street, Syracuse, NY

3 Huron City Schools 403(b) Plan Summary REFERENCE SUMMARY OF 403(b) PLAN OPTIONAL FEATURES: 1. Who is eligible to participate? All employees 2. What contribution types are permitted under the plan? Employee pre-tax deferrals Employee Roth after-tax deferrals 3. Which employee pre-tax deferral contributions are permitted? Up to the maximum amount permitted annually by law Up to the maximum amount permitted by law for age 50 catch-up Special 15 years of service catch-up 4. Unless otherwise restricted by the final 403(b) regulations, when can a withdrawal of Employer contributions occur? Only upon an employee s severance from employment, death, disability, or attainment of age 59½ 5. Which methods of payout are permitted under the plan*? All payout methods are available under the plan's funding vehicles (annuity contracts and/or custodial accounts) *t to exceed single or joint life expectancy Loans Hardship Withdrawals Plan to Plan Transfers In Plan to Plan Transfers Out Direct Rollovers Contract Exchanges Transactions Permitted* * Approval required by PlanConnect PC-005

4 Huron City Schools 457(b) Plan Summary REFERENCE SUMMARY OF 457(b) PLAN OPTIONAL FEATURES: 1. Who is eligible to participate? All employees 2. What contribution types are permitted under the plan? Employee pre-tax deferrals Employee Roth after-tax deferrals 3. Which employee pre-tax deferral contributions are permitted? Up to the maximum amount permitted annually by law Up to the maximum amount permitted by law for age 50 catch-up Up to the maximum amount permitted by law for Final Three Year catch-up 4. Which methods of payout are permitted under the plan*? Single Sum Periodic Payments Annuity payments *t to exceed single or joint life expectancy Transactions Permitted* Loans Unforseeable Emergency Withdrawals Plan to Plan Transfers In Plan to Plan Transfers Out Direct Rollovers AXA Equitable ING * All transactions must be approved by PlanConnect. PC-005

5 403(b) TAX SHELTERED ANNUITY (TSA) SALARY REDUCTION AGREEMENT Employer/Plan Name: Employer/Plan Address: Huron City School 712 Cleveland Road E Employer/Plan City, State and ZIP: Huron, OH PLAN ID, if known: B1NOH Please read information in section 6 before completing and submit to PlanConnect for processing. Name: Last First MI 1. PLAN PARTICIPANT INFORMATION Social Security Number Date of Birth Address Home phone number Work phone number Payroll Frequency (check one): Weekly Bi-Weekly Semi-Monthly Monthly Quarterly If paid less than 12 months per year, indicate month(s) not paid*: Do you own 50% or more of an outside business which has a voluntary retirement plan? Will you contribute to another employer s voluntary retirement plan this year? For months that have three pay dates, only deduct contributions for the first two pay dates of the month: (Default if no Selection) If you answered to either question: Type of Plan: (403(b), 401(k) 401(a), 457(b). etc.) Total Amount: Name of Employer: Investment Provider(s): * deductions are taken during the months you have indicated you are not paid. 2. TYPE OF REQUEST I Want To: BEGIN or RESUME contributions. Complete sections 3 and 4 below. Forward to PlanConnect using the instructions in section 5. CHANGE future contribution AMOUNTS and/or INVESTMENT PROVIDER(S). Complete sections 3 and 4 below. Forward to PlanConnect using the instructions in section 5. TERMINATE PARTICIPATION as soon as possible. You must sign in section 4. Forward to PlanConnect using the instructions in section 5. CHGCR PC024 Page 1 of 4

6 403(b) TAX SHELTERED ANNUITY (TSA) SALARY REDUCTION AGREEMENT I authorize my employer to reduce my salary to allow for contributions to be made to a 403(b) account on my behalf and to remit the designated amounts each pay period to the investment provider(s) indicated below. I have confirmed the investment provider(s) are approved by my employer s plan. I have read and will abide by the TSA Participant Obligations stated in section 6. I understand that this Salary Reduction Agreement is legally binding and irrevocable with respect to salary that becomes payable to me while this agreement is in effect. I understand that I may stop, start, or change my future contribution amount at any time during the year by submitting a new Salary Reduction Agreement. IMPORTANT: You must have an existing TSA account with each investment provider listed, or file an account application with the investment provider, BEFORE your first contribution is taken. Please allow two to four weeks for your investment provider to properly credit contributions to new accounts. Participant Contributions. If more than 5 Investment Providers, attach separate sheet. This Salary Reduction Agreement REPLACES AND CANCELS ALL PREVIOUS AGREEMENTS ON FILE. ONLY the contribution to the investment providers shown below will continue after the effective date of this agreement. Contribution Amount: Indicate the Amount Per Pay Period. Amount Per Pay Period $ 3. BEGIN / RESUME / CHANGE Effective Date: Remit Contributions To: I have a TSA Account with this provider. Amount to Investment Provider Contribution Source Pre-Tax 403(b) Roth Pre-Tax 403(b) Roth Pre-Tax 403(b) Roth Pre-Tax 403(b) Roth Pre-Tax 403(b) Roth Employer Contributions (if applicable). If more than 5 Investment Providers, attach separate sheet. Remit Employer Contributions To: I have a TSA Account with this provider. Percent to Investment Provider % % % CHGCR PC024 Page 2 of 4

7 403(b) TAX SHELTERED ANNUITY (TSA) SALARY REDUCTION AGREEMENT 4. SIGNATURES Employee Signature: Date: EXPRESS MAIL: REGULAR MAIL: FAX: PHONE AND 5. CONTACT INFORMATION PlanConnect 100 Madison St. Syracuse, NY PlanConnect PO Box 4940 Syracuse, NY (800) KEEP A COPY FOR YOUR RECORDS (800) Monday-Friday, 9AM to 5PM ET support@planconnect.com Check your earnings statement to verify that this Salary Reduction Agreement has been processed accurately CHGCR PC024 Page 3 of 4

8 403(b) TAX SHELTERED ANNUITY (TSA) SALARY REDUCTION AGREEMENT The following applies to all participants in the Tax-Sheltered Annuity (TSA) Program: 1. Federal Contribution Limits: TSA contributions are subject to annual limits determined under Internal Revenue Code (IRC) sec. 402(g) and 415(c). In 2013, your limit is $17,500 (or 100% of your compensation, if less). If you are age 50 or older in 2013, you may contribute an additional $5,500. The limits may be indexed annually in $500 increments based on the Consumer Price Index. The IRS publishes the limits in the last quarter of the year for the following year. If you have 15 years of employment with your current employer, you may be eligible to contribute an additional $3,000: contact PlanConnect to determine if you are eligible. Your TSA limit is reduced dollar for dollar by any voluntary contribution you make to another 403(b), 401(k), Federal Thrift Savings, salary reduction SEP, or SIMPLE plan. Contributions to a 457 (Deferred Compensation) plan or to a traditional or Roth IRA do NOT affect your TSA limit. 2. Investment Responsibility: You are responsible for your TSA investment decisions. This responsibility includes informing yourself of the nature and risk of the investments, monitoring your investments, and determining when a change in investments is appropriate. Your employer and PlanConnect are in no way liable for gains or losses you may incur in your TSA account(s). 6. TSA PARTICIPANT OBLIGATIONS 3. Authorized Investment Providers: As long as your current employer employs you, you may make contributions only to investment providers and products authorized under the TSA Program. You may change your future contributions to a different authorized investment provider, or exchange all or a portion of your account balance to any other approved investment provider, if permitted by your plan and subject to approval and any contractual surrender charges or redemption fees. 4. Withdrawals and Loans: Generally, you cannot withdraw or roll over your TSA account balances before you attain age 59 ½, terminate employment, die, or become disabled. Withdrawals may be available as ordered by a court under a Qualified Domestic Relations Order (QDRO). Loans and hardship withdrawals, as limited by IRS regulations, are subject to approval if permitted by your TSA Plan provisions. Other withdrawals, if permitted under the plan, may also be subject to approval. Tax penalties may apply to distributions before age 59 ½. You are entirely responsible for all loans and withdrawals and any resulting tax liabilities. 5. Salary Reduction Agreement (SRA) Termination: To stop your contributions, you must file a new copy of the SRA with your employer and PlanConnect. If you terminate employment, your SRA terminates automatically after your last check is paid. If you later return to work, you must file a new SRA to resume contributing. Your employer reserves the right to suspend or terminate a participant's SRA if it believes that the participant has over contributed or is in violation of any applicable federal requirement or any term of this agreement. 6. Required Distributions: After you retire, you must take minimum distributions from your TSA account, generally beginning no later than age 70 ½. You do not need to take Required Minimum Distributions from your TSA accounts as long as you are still working for your current employer, even though you may be over age 70 ½. 7. Effective Date: The effective date of this agreement is dependent upon your employer s full execution of this request. Generally, this occurs within 2 pay cycles following the employer s receipt of this form, unless a later date is designated on this form. 8. Corrections: It is your responsibility to verify that this agreement has been accurately processed by comparing it to your earnings statement. Contact your Payroll Administration Department immediately if you find any discrepancy. In volatile markets, the value of your contribution may decline over time. 9. Fees: PlanConnect provides services to the Plan for a fee. The Plan Sponsor may elect to collect the fees from the Investment Providers or Plan Participants. If the Plan Sponsor elects to have the fees paid by the Plan Participants, or the Plan Sponsor elects to have the fees paid by the Investment Provider but the Investment Provider fails to pay the fee, it will be deducted from your contribution before the funds are forwarded to your Investment Provider. CHGCR PC024 Page 4 of 4

9 457(b) DEFERRED COMPENSATION CONTRIBUTION AGREEMENT Employer/Plan Name: Employer/Plan Address: Huron City School 712 Cleveland Road E Employer/Plan City, State and ZIP: Huron, OH PLAN ID, if known: B1NOH Please read information in section 6 before completing and submit to PlanConnect for processing. Name: Last First MI 1. PLAN PARTICIPANT INFORMATION Social Security Number Date of Birth Address Home phone number Work phone number Payroll Frequency (check one): Weekly Bi-Weekly Semi-Monthly Monthly Quarterly If paid less than 12 months per year, indicate month(s) not paid*: Will you contribute to another employer s voluntary retirement plan this year? For months that have three pay dates, only deduct contributions for the first two pay dates of the month: (Default if no Selection) If you answered, Please enter the information below: Type of Plan: (403(b), 401(k) 401(a), 457(b). etc.) Total Amount: Name of Employer: Investment Provider(s): * deductions are taken during the months you have indicated you are not paid. CHGCR PC024 Page 1 of 4

10 457(b) DEFERRED COMPENSATION CONTRIBUTION AGREEMENT 2. TYPE OF REQUEST I Want To: BEGIN or RESUME contributions. Complete sections 3 and 4 below. Forward to PlanConnect using the instructions in section 5. CHANGE future contribution AMOUNTS and/or INVESTMENT PROVIDER(S). Complete sections 3 and 4 below. Forward to PlanConnect using the instructions in section 5. TERMINATE PARTICIPATION as soon as possible. You must sign in section 4. Forward to PlanConnect using the instructions in section 5. I authorize my employer to reduce my salary to allow for contributions to be made to a 457(b) Employee Deferred Compensation account on my behalf and to remit the designated amount each pay period to the Investment Provider(s) indicated below. I have confirmed the investment provider(s) are approved by my employers plan. I have read and will abide by the Participant Obligations stated in section 6. I understand that this agreement is legally binding and irrevocable with respect to salary that becomes payable to me while this agreement is in effect. I understand that I may stop, start, or change my future contribution amount at any time during the year by submitting a new Deferred Compensation Contribution Agreement. IMPORTANT: You must have an existing 457(b) account with each investment provider listed, or file an account application with the investment provider, BEFORE your first contribution is taken. 3. BEGIN / RESUME / CHANGE If the contribution amount from you and/or your employer is designated as a percent per pay period, you must indicate a percent to each Investment Provider. If the contribution amount from you and/or your employer is designated as a dollar amount, you can indicate a percent or dollar amount to each Investment Provider. Participant Contributions. If more than 5 Investment Providers, attach separate sheet. This Deferred Compensation Contribution Agreement REPLACES AND CANCELS ALL PREVIOUS AGREEMENTS ON FILE. ONLY the contribution to the investment providers shown below will continue after the effective date of this agreement. Contribution Amount: Indicate the Amount Per Pay Period. Effective Date: Remit Contributions To: Amount Per Pay Period $ I have an Account with this provider. Amount to Investment Provider: Contribution Source Pre-Tax 457(b) Roth Pre-Tax 457(b) Roth Pre-Tax 457(b) Roth Pre-Tax 457(b) Roth Pre-Tax 457(b) Roth Employer Contributions (if applicable). If more than 4 Investment Providers, attach separate sheet. CHGCR PC024 Page 2 of 4

11 457(b) DEFERRED COMPENSATION CONTRIBUTION AGREEMENT Remit Employer Contributions To: I have a TSA Account with this provider. Amount to Investment Provider 4. SIGNATURE Employee Signature Date EXPRESS MAIL: REGULAR MAIL: FAX: PHONE AND 5. CONTACT INFORMATION PlanConnect 100 Madison St Syracuse, NY PlanConnect PO Box 4940 Syracuse, NY (800) KEEP A COPY FOR YOUR RECORDS (800) Monday-Friday, 9AM to 5PM ET support@planconnect.com Check your earnings statement to verify that this Salary Reduction Agreement has been processed accurately CHGCR PC024 Page 3 of 4

12 457(b) DEFERRED COMPENSATION CONTRIBUTION AGREEMENT The following applies to all participants in the 457(b) Deferred Compensation Program: 1. Federal Contribution Limits: 457(b) deferred compensation contributions are subject to annual limits determined by the Internal Revenue Service (IRS). In 2013, your limit is $17,500 (or 100% of your compensation, if less). If you are age 50 or older in 2013, you may contribute an additional $5,500. The limits may be indexed annually in $500 increments based on the Consumer Price Index. The IRS publishes the limits in the last quarter of the year for the following year. If you are within 3 years of retirement age as defined by your plan, you may be eligible to contribute an additional amount. Contact PlanConnect to determine if you are eligible. Contributions to a 403(b) plan, traditional or Roth IRA accounts do not affect you 457(b) limits. 2. Investment Responsibility: You are responsible for your 457(b) deferred compensation investment decisions. This responsibility includes informing yourself of the nature and risk of the investments, monitoring your investments, and determining when a change in investments is appropriate. Your employer and PlanConnect are in no way liable for gains or losses you may incur in your 457(b) deferred compensation account(s). 6. TSA PARTICIPANT OBLIGATIONS 3. Authorized Investment Providers: As long as your current employer employs you, you may make contributions only to investment providers and products authorized under the 457(b) Deferred Compensation Program. You may change your future contributions to a different authorized investment provider, or exchange all or a portion of your account balance to any other approved investment provider, if permitted by your plan and subject to approval and any contractual surrender charges. 4. Withdrawals and Loans: Withdrawals are only permitted from your 457(b) deferred compensation account if; you have attained age 70 ½, your account value is $5,000 or less and no contributions have been made to the account for at least two years prior to the withdrawal or you terminate employment, subject to the terms of your employer s plan. Withdrawals may be available as ordered by a court under a Qualified Domestic Relations Order (QDRO). Loans and unforeseen financial emergency withdrawals, as limited by IRS regulations, are subject to approval if permitted by your 457(b) Deferred Compensation Plan provisions. Other withdrawals, if permitted under the plan, may also be subject to approval. You are entirely responsible for all loans and withdrawals and any resulting tax liabilities (b) Deferred Compensation Contribution Agreement Termination: To stop your contributions, you must file a new copy of the 457(b) Deferred Compensation Contribution Agreement with your employer and PlanConnect. If you terminate employment, your 457(b) Deferred Compensation Contribution Agreement terminates automatically after your last check is paid. If you later return to work, you must file a new 457(b) Deferred Compensation Contribution Agreement to resume contributing. Your employer reserves the right to suspend or terminate a participant's 457(b) Deferred Compensation Contribution Agreement if it believes that the participant has over contributed or is in violation of any applicable federal requirement or any term of this agreement. 6. Required Distributions: After you retire, you must take minimum distributions from your 457(b) Deferred Compensation account, generally beginning no later than age 70 ½. You do not need to take Required Minimum Distributions from your 457(b) Deferred Compensation accounts as long as you are still working for your current employer, even though you may be over age 70 ½. 7. Effective Date: The Code requires that the employer receive this Agreement before the first day of the month in which contributions will begin or change. If necessary to meet that requirement, the Employer reserves the right to change the effective of contributions. 8. Corrections: It is your responsibility to verify that comparing it to your earnings statement has accurately processed this 457(b) Deferred Compensation Contribution Agreement. Contact your Payroll Administration Department immediately if you find any discrepancy. In volatile markets, the value of your contribution may decline over time. 9. Fees: PlanConnect provides services to the Plan for a fee. The Plan Sponsor may elect to collect the fees from the Investment Providers or Plan Participants. If the Plan Sponsor elects to have the fees paid by the Plan Participants, or the Plan Sponsor elects to have the fees paid by the Investment Provider but the Investment Provider fails to pay the fee, it will be deducted from your contribution before the funds are forwarded to your Investment Provider. CHGCR PC024 Page 4 of 4

13 How to Connect with PlanConnect and Enroll in Your Retirement Plan

14 Table of Contents Important Information Read This First! 2 Why Should I Save for Retirement? What Is a Pre-tax Payroll Deduction About This Guide Getting Started 3 Step 1: Connect with PlanConnect 3 Enroll in Your Retirement Plan 4 Step 2: Enter Your Personal Information 4 Step 3: Enter Your Elections 5 Step 4: Complete Your Transaction 6 Verify the Information You ve Entered Print the Transaction Confirmation Print the Salary Reduction Agreement and Give a Copy to Your Employer Your Next Steps 7 Need Additional Help? 8 To Contact PlanConnect 8

15 What You Can Deduct Important Information Read This First! Why Should I Save for Retirement? Retirement is life s biggest expense. It will cost more than your child s tuition or even your home. Retirement can span up to a third of your lifetime. It is much like saving for a 25 to 35 year vacation. It s easy to get caught up in the demands of today and forget about tomorrow. But to afford an expense of this magnitude, you need to start planning and saving right away. There is no better time then the present to save for your retirement. Enrolling in your retirement plan is a great step in shaping how you will live during your years to come. Contributing to your plan can be done easily through payroll deductions which are most often pre-tax, although some plans offer Roth deductions. Check with PlanConnect or your plan administrator for more details. What Is a Pre-tax Payroll Deduction? A pre-tax payroll deduction is a deduction from your gross wages that reduces taxable income. In other words, you do not pay income tax on the pre-tax money that is deducted from your paycheck, which means you can save more with less impact to your take-home pay. Let s say you want to reduce your take home pay by a $100. Let the pre-tax deduction work in your favor and save more for your retirement. What Can I Really Save? $160 $133 $139 $149 $154 $111 $ % 15% 25% Your Tax Bracket 28% 33% 35% Want to learn more? Try our estimating calculators in our retirement planning section. About This Guide This How to guide describes the most important steps needed to complete certain transactions using the PlanConnect web site. te that the web site may have changed since this guide was issued. If you have any questions about the guide or the information contained in it, please contact PlanConnect using the contact information located on the last page. The examples appearing in the guide are for illustrative purposes only; the information you will see will differ. 2

16 Getting Started Step 1: Connect to PlanConnect Go to the PlanConnect Web Site 1. Open your web browser and go to Click on LOG INTO YOUR ACCOUNT. 3. The log-in window will open. Log In to Your Account 1 1. Enter your User ID. 2 If this is the first time you re logging in, you will be 3 using your Social Security number Enter your Password. If this is the first time you re logging in, use your date of birth in mmddyyyy order. (e.g., July 20, 1987 would be ) 3. In the drop-down menu labeled Select Role, select PARTICIPANT. 4. Click on the LOGIN button. 1 This application is written to work with Firefox 2.0+, Internet Explorer 6.0+ and Safari While this application should work with browsers from Firefox or Internet Explorer that are within this version range, there may be versions designed specifically for AOL or Macintosh which may encounter problems with some JavaScript used in this site. Problems experienced with these browsers should be considered bugs in these browsers. You may contact your browser distributor about the problem. AOL subscribers may opt to use Internet Explorer or Firefox directly instead of going through the AOL browser. New devices such as wireless telephones, personal digital assistants, etc which are Internet accessible may not have browsers capable of properly navigating this site. 3

17 Enroll in Your Retirement Plan Step 2: Enter Your Personal Information 1. You will be asked to select a verification question and answer. This will assist you if you forget your password. You will be asked to supply the correct answer to this question before retrieving your password. Please make a note of the verification question and answer you chose. 2. Next you will see your personal information. Please ensure that the information is complete and accurate. The fields marked with the asterisks (*) are mandatory. 3. To enter your address simply select HOME or OFFICE from the drop-down menu labeled Send confirmation to. 4. Then enter your home or office address based on your home or office selection. 5. If you do not have an address, click on the I DO NOT HAVE AN ADDRESS box so it is checked. 6. Click SAVE AND CONTINUE. 4

18 Step 3: Enter Your Contributions/Investment Provider Elections Before you can complete this step, you need one or more contracts with an approved investment provider(s). If you need to obtain a contract and want a list of your plan s approved investment providers and their agents, call PlanConnect at (800) or us at support@planconnect.com. 1. The next step is to enter how much you would like to contribute to your retirement plan each pay period. For assistance with determining how much to contribute as well as the impact it can have on your paycheck and your retirement savings, go to Planning for Retirement. A 2. Expand the source(s) you wish to contribute to. In the box labeled Select the method of contributions to enter, you have the option of entering your contribution as either a dollar amount or a percentage of your salary, per pay period, if your plan allows both options. B A. To elect a dollar amount, enter the amount in the New IP Election column next to the Investment Provider(s) you wish to contribute to, and then check the box in front of I authorize the investment election changes to this money source. B. To elect a percentage of your salary, select Percent in the drop down box labeled Select the method of contributions to enter, then enter the percentage in the New IP Election column next to the Investment Provider(s) you wish to contribute to, and then check the box in front of I authorize the investment election changes to this money source. 3. Click SAVE AND CONTINUE. A screen will appear for you to review and verify the information you have input so far. 5

19 Step 4: Complete Your Transaction Verify the Information You ve Entered 1. Review the information you have entered to verify that it is correct. Please make any corrections where needed. 2. Click on FINISH. Print the Transaction Confirmation 1. Once you have verified the information you entered, a confirmation page containing a confirmation number will appear. 2. Use your browser s print function to print and retain the confirmation for your records. Print the Salary Reduction Agreement3 1. Your Salary Reduction Agreement confirmation is automatically generated in a new window with your enrollment information. 2. To view the SRA at a later time, click on the TOOLS tab. 3. From the drop-down menu that appears, select REPORTS. The Reports window will open. 4. Click on PlanConnect SRA 403(b) with the applicable date, or the Adobe icon in the left-hand column next to it.* 5. Print out a copy of the Salary Reduction Agreement for your records. The information is electronically submitted to PlanConnect. 6. Your payroll deductions will start once your employer has processed your request, usually within two pay cycles. To view a sample Salary Reduction Agreement click here. * You will need the free Adobe Acrobat Reader to view/print the Agreement. Acrobat Reader can be downloaded here. 6

20 Your Next Steps 1. On your next login, you will need to create a unique User ID. Your User ID must be: 6-12 characters long and include any combination of uppercase or lowercase letters and numbers.* 2. Create a unique password. Your password must be: 6-12 characters long and include any combination of uppercase or lowercase letters and numbers.* 3. Re-enter the password you created. * Please note all User ID s and Passwords are CASE SENSITIVE. Congratulations! You ve taken a big step toward ensuring you have a comfortable retirement. Keep in mind that it is a good idea to review your retirement strategy annually because: You may want to reallocate your contributions. You may want to change your contribution amount, especially if contribution limits increase. You may want to take a loan. You may need to take an early withdrawal. You may have had a major life change. (eg. marriage, birth of a child, etc.) 7

21 Need Additional Help? Need help enrolling in your plan? Call us at :00 a.m. - 5:00 p.m. Eastern Time. To Contact PlanConnect Find us on the web at: us at: Call us at: support@planconnect.com PlanConnect, LLC is a wholly owned subsidiary of AXA Distribution Holding Corporation, an indirect subsidiary of AXA Financial, Inc. PlanConnect is a registered service mark of AXA Distribution Holding Corporation. PlanConnect may not be available in all states. AXA Financial, Inc. and its family of companies do not provide tax advice. Please consult with your tax advisor regarding your particular circumstances. Each company is affiliated. AXA Distribution Holding Corporation and AXA Financial, Inc. are located at 1290 Avenue of the Americas, New York, NY 10104, (212) PlanConnect, LLC is located at 100 Madison Street, Syracuse, NY 13202, G25198