TIME TO FOCUS ON YOUR FUTURE Enroll online in the new HMH 401(k) Savings Plan at TIAA Active enrollment in the new 401(k) plan is required because your previous elections will not be provided to TIAA. Starting on Tuesday, December 18, 2018, you can go online at TIAA.org/HMH to enroll in the new 401(k) plan. You must complete enrollment by Sunday, December 23, 2018, at 11:59 p.m. (ET) to ensure your contributions will begin with the first pay period in 2019. Team members who are eligible for auto-enrollment and take no action, will begin to see contributions deducted from their pay by February 2019. Questions? If you need assistance with enrolling online at TIAA.org/HMH, call TIAA at 866-999-3844 weekdays, 8 a.m. to 10 p.m., or Saturday, 9 a.m. to 6 p.m. (ET) STEP 1 Review your transition guide and consider... How much you want to contribute to the plan Whether to make pre-tax contributions, post-tax Roth contributions or both Which investment options you want to include in your portfolio Who your beneficiaries will be you ll need their date of birth, Social Security number and telephone number 1
STEP 2 Register/log in at TIAA.org/HMH If you are new to TIAA and a first-time user: Click Register with TIAA to create your user ID and password. If you already have an account with TIAA: Enter your TIAA user ID and click Log in. Skip ahead to Step 6. STEP 3 Enter your info Enter your Social Security Number and date of birth. Click Continue. 2
STEP 4 Enter your info (continued) Your name will automatically populate based on the data provide by HMH. Provide the requested information to complete your online access. You ll also need to create a unique User ID and Password. Click Continue. 3
STEP 5 Confirm your info Confirm your personal information as shown. Select how you would like to receive important information go paperless with edelivery or choose paper documents via U.S. Mail by unchecking the box below. You must indicate that you have read and accept the terms and conditions regarding online consent. Next, click Start Enrollment. 4
STEP 6 Decide how much you want to contribute Remember: HMH will provide a matching contribution to the plan for eligible team members refer to page 2 of your transition guide for more information. You have the option to make pre-tax contributions, post-tax Roth contributions or both. Be sure to select First Available Paycheck to ensure your contributions begin with the first pay period in 2019. If you are eligible for the 457(b) plan, this plan will appear in addition to the 401(k) plan. You may enroll in the 457(b) plan at the same time. STEP 7 Review your summary and confirm your elections Click Confirm Elections to continue or Edit if you need to make changes. 5
STEP 8 Select your investments Follow the online prompts for the approach that best suits your needs. You can check out all the approaches and use the Back button as needed. Click Select and Continue when you are comfortable with your investment selection. STEP 9 Name your beneficiaries You will need the Social Security number, date of birth and preferred phone number for each beneficiary. You can distribute a percentage of your savings among several beneficiaries. You may also add a contingent beneficiary, who would receive your savings if your primary beneficiaries are no longer alive. Click Review and Confirm. 6
STEP 10 Review your summary and confirm all details This is a detailed summary of all the information you ve just entered. You can click Edit to correct or make changes. 7
STEP 11 Submit After you have confirmed the information you ve entered is correct, scroll down to the bottom of the screen. Check the box to acknowledge you have read and accept the terms and conditions and click Finish Enrollment. Congratulations! You re almost done! Make sure to click Print Confirmation for your records. 8
Hackensack Meridian Health (HMH) is required by law to deal with the unions that represent HMH unionized team members, and will continue to do so. As HMH is currently negotiating several union contracts, retirement plan participation will be arranged, as necessary, for all unionized team members whose contracts are currently being negotiated. This material is for informational or educational purposes only and does not constitute investment advice under ERISA. This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. Investment decisions should be made based on the investor s own objectives and circumstances. Distributions from tax-deferred plans before age 59½, severance from employment, death or disability may be prohibited, limited and/or subject to substantial tax penalties. Different restrictions may apply to other types of plans. Investment, insurance and annuity products are not FDIC insured, are not bank guaranteed, are not bank deposits, are not insured by any federal government agency, are not a condition to any banking service or activity, and may lose value. Investment products may be subject to market and other risk factors. See the applicable product literature, or visit TIAA.org/HMH for details. You should consider the investment objectives, risks, charges and expenses carefully before investing. Please call 877-518-9161 or go to TIAA.org/HMH for current product and fund prospectuses that contain this and other information. Please read the prospectuses carefully before investing. TIAA-CREF Individual & Institutional Services, LLC, Teachers Personal Investors Services, Inc., and Nuveen Securities, LLC, Members FINRA and SIPC, distribute securities products. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Each is solely responsible for its own financial condition and contractual obligations. 2018 Teachers Insurance and Annuity Association of America-College Retirement Equities Fund, 730 Third Avenue, New York, NY 10017 676807 Online Enroll Instructions (12/18)