Inside: Make the most of your ESPP it's an important part of. your financial picture.

Size: px
Start display at page:

Download "Inside: Make the most of your ESPP it's an important part of. your financial picture."

Transcription

1 Make the most of your ESPP it's an important part of your financial picture. Inside: How to enroll in your Employee Stock Purchase Plan (ESPP) Three easy ways to make the most of your company stock plan Tips on getting the help you need every step of the way 1 4.EC-UTIW-DPOM/ 3.DM-FRCV-DYN / /

2 Manage your stock plan in three easy steps: 1Enroll at netbenefits.fidelity.com Log on to netbenefits.fidelity.com to enroll in the plan. As part of the process, you'll need to open a Fidelity Account, * which is an individual brokerage account, to manage your Employee Stock Purchase Plan participation. At this time you will also need to select an amount from your paycheck to contribute towards the purchase of shares. 2Take advantage of our online planning tools Log on to netbenefits.fidelity.com and click on Tools & Learning to see the support Fidelity offers you every step of the way through online planning tools. You may also call a Fidelity Stock Plan Services Representative at for planning assistance. 3Learn how to put ongoing education to work for you Keep on top of your stock plan by providing your address so you can receive important educational information to help you make the most of your plan. To sign up, go to fidelity.com and click on Your Profile. Enroll in the plan. Log on to netbenefits.fidelity.com or call betweenthe hours of 5 p.m. Sunday and midnight Friday Eastern time, excluding holidays of the New York Stock Exchange. *If you already have an existing individual Fidelity Account, it will be used to manage your stock plan and you will not need to complete the opening process. 2 4.EC-UTIW-DPOM/ 3.DM-FRCV-DYN / /

3 4 3 Service Highlights The following provides a summary of Fidelity's plan-related services. Please refer to your Plan Documents for plan-specific details. Employee Stock Purchase Plan (ESPP) What is an employee stock purchase plan? An employee stock purchase plan, (ESPP) is a stock plan offering that allows employees to use after-tax payroll deductions to acquire their company's stock. Learn more at: Fidelity Account A Fidelity Account is an individual brokerage account which has been opened for you to manage your UTi, Services, Inc. stock plan participation. Within your Fidelity Account is a "central" money market account. This account holds your liquid assets (cash) until you invest or withdraw them. Any proceeds from the sale of your UTi, Services, Inc. stock will be deposited into your Fidelity Account. ESPP Fees You will not incur fees when you purchase UTi, Services, Inc. shares in the ESPP. Any subsequent sale of shares conducted in your Fidelity Account will be subject to commissions and fees governing that account, as outlined in the Brokerage Commission Schedule contained within the Customer Agreement. Please refer to the Customer Agreement on fidelity.com for further details. Commissions and fees are subject to change. Taxes As with any investment, there are tax consequences and investment risks associated with any stock-related transaction. You should contact your financial or tax advisor regarding your particular tax consequences prior to initiating any transaction. Log on to netbenefits.fidelity.com or call to make the most of your stock plan SPS-WKBS EC-UTIW-DPOM/ 3.DM-FDFTRS-DYN /

4 5 4 Service Highlights Statements You will receive a monthly statement from Fidelity if activity occurs in your account. Should you have no activity during a month, you'll begin to receive quarterly statements. You will also receive confirmations for transactions that are made in your account. If you would prefer to receive information online, please sign up for e-delivery* at fidelity.com. Address Changes UTi, Services, Inc. has arranged to provide employee address change information to Fidelity. All address changes received by Fidelity from UTi, Services, Inc. will be applied to your plan. To change your address, please contact your Human Resources Department. If you leave UTi, Services, Inc. and wish to change your address, please call a Fidelity Stock Plan Services Representative at Beneficiary Information As part of the services provided by Fidelity Stock Plan Services in connection with the UTi, Services, Inc. plans, you have the option to designate a beneficiary for any shares that have been purchased on your behalf and then deposited into your Fidelity Account. You may complete the beneficiary designation online at fidelity.com. Log in using your Username and Password. Choose Customer Service at the top of the page. Select Update Your Profile at the top left-hand side of the page. Click on Beneficiaries. In the popup box that follows, select Personal and then click Go. Click on Update Beneficiaries. The screens that follow will contain step-by-step instructions to help you complete the beneficiary designation process. You will know that you have successfully completed your beneficiary designations when you reach the "confirmation" screen with a green checkmark. After successfully completing the beneficiary designation process, you will receive confirmation by postal mail within five business days. Plan Documents You can view the UTi, Services, Inc. Plan Document(s) online at netbenefits.fidelity.com. To view the document(s), log on and select the link for your plan, then select Plan Information & Documents under View in the table of contents on the left-hand side of the page. Log on to netbenefits.fidelity.com or call to make the most of your stock plan SPS-WKBS EC-UTIW-DPOM/ 3.DM-FDFTRS-DYN /

5 5 6 4.EC-UTIW-DPOM/ /

6 6 7 4.EC-UTIW-DPOM/ /

7 Provide your address. Please be sure to provide your address by clicking Your Profile after logging on to fidelity.com. If your address changes, be certain to update it with Fidelity. Fidelity uses to send important educational information to help you make the most of your plan. Questions? We've got solutions. Log on to netbenefits.fidelity.com or call EC-UTIW-DPOM / 3.DM-BKCV-DYN /

A Quick-Start Guide for Employee Stock Purchase Plan (ESPP) Participants

A Quick-Start Guide for Employee Stock Purchase Plan (ESPP) Participants A Quick-Start Guide for Employee Stock Purchase Plan (ESPP) Participants Your company stock plan can be an important benefit for you. Just follow these easy steps to Activate your Fidelity Account and

More information

A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants

A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants Your company stock plan can be an important benefit for you. Just follow these easy steps to enroll in your plan and open your

More information

STOCK INVESTMENT PLAN (S.I.P.) U.S. GETTING STARTED

STOCK INVESTMENT PLAN (S.I.P.) U.S. GETTING STARTED STOCK INVESTMENT PLAN (S.I.P.) U.S. GETTING STARTED partners in growth AN IMPORTANT PART OF YOUR FINANCIAL FUTURE STARBUCKS COFFEE COMPANY ONLINE ACCOUNT ESTABLISHMENT AND S.I.P. ENROLLMENT With a few

More information

A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants

A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants A Quick-Start Enrollment for Employee Stock Purchase Plan (ESPP) Participants Your company stock plan can be an important benefit for you. Just follow these easy steps to enroll in your plan and open your

More information

Important Information about your NCR Pension Plan Benefit

Important Information about your NCR Pension Plan Benefit December 17, 2014 Important Information about your NCR Pension Plan Benefit Dear NCR Pension Plan Participants and Beneficiaries: We are writing to share important information about your monthly benefit

More information

STOCK PLANS. U.S. and Canada STOCK PARTNERS IN GROWTH. Bean Stock. Key Employee

STOCK PLANS. U.S. and Canada STOCK PARTNERS IN GROWTH. Bean Stock. Key Employee STOCK PLANS U.S. and Canada STOCK PARTNERS IN GROWTH Bean Stock Stock Investment Plan (S.I.P.) Key Employee Stock Plan Additional Information sources LOOK INSIDE 2 page Bean Stock our company-wide stock

More information

so sodexo Welcome to Your Sodexo Retirement Program Your future P L A N O V E R V I E W A valuable benefit that lets you share in Sodexo s success

so sodexo Welcome to Your Sodexo Retirement Program Your future P L A N O V E R V I E W A valuable benefit that lets you share in Sodexo s success P L A N O V E R V I E W Your future so sodexo Welcome to Your Sodexo Retirement Program A valuable benefit that lets you share in Sodexo s success SOD_Enroll_Guide Mar_09 09IAS-03-003 2009 ING Institutional

More information

Expand your world of investment choices.

Expand your world of investment choices. Fidelity BrokerageLink Expand your world of investment choices. The power is in your hands. Because it s your retirement money and your future, you should have the freedom to make your own decisions. Fidelity

More information

Expand your world of investment choices.

Expand your world of investment choices. Fidelity BrokerageLink Expand your world of investment choices. The power is in your hands. Because it s your retirement money and your future, you should have the freedom to make your own decisions. Fidelity

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of contents The Fidelity HSA...1 Opening and Contributing to Your Fidelity HSA...3 Using Your Fidelity

More information

Profit Sharing and Retirement Savings Plan

Profit Sharing and Retirement Savings Plan Profit Sharing and Retirement Savings Plan Steel Dynamics offers employees two methods to save for retirement: Profit Sharing Contributions This benefit is fully funded by the company and vests gradually

More information

Your Fidelity Health Savings Account. Information to help make the most of your new health savings account

Your Fidelity Health Savings Account. Information to help make the most of your new health savings account Your Fidelity Health Savings Account Information to help make the most of your new health savings account Your Fidelity HSA The health savings approach that makes sense for today. And for tomorrow. Congratulations

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account Table of Contents The Fidelity HSA...1 Opening and Contributing to Your Fidelity HSA...3 Using Your Fidelity

More information

401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14)

401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14) 401(k) SMART PLAN DON T WAIT. START TODAY. C40070 (7-14) Congratulations! You can now enroll in Publix s 401(k) SMART Plan! Saving for your future is important and the SMART Plan is here to make it easier

More information

Enrolling in Your Employee Stock Purchase Plan

Enrolling in Your Employee Stock Purchase Plan Enrolling in Your Employee Stock Purchase Plan Your company has invited you to participate in its Employee Stock Purchase Plan (ESPP), which allows you to contribute a portion of your salary to purchase

More information

EMPLOYEE STOCK PURCHASE PLAN

EMPLOYEE STOCK PURCHASE PLAN N EMPLOYEE STOCK PURCHASE PLAN ewfoundland Capital Corporation ( NCC or the Company ) has developed the Employee Stock Purchase Plan ( ESPP or the Plan ) to allow employees to identify more closely with

More information

Expand your world of investment choices.

Expand your world of investment choices. Fidelity BrokerageLink Expand your world of investment choices. The power is in your hands. Because it s your retirement money and your future, you should have the freedom to make your own decisions. Fidelity

More information

Frequently Asked Questions PG&E Corporation Retirement Savings Plan (a 401(k) Plan) Need Help? General Questions: Information About Your RSP Account

Frequently Asked Questions PG&E Corporation Retirement Savings Plan (a 401(k) Plan) Need Help? General Questions: Information About Your RSP Account Need Help? Information About Your RSP Account Call the Fidelity RSP Service Center at 1-877-PGE-401k (1-877-743-4015) Customer Service Associates are available 5:30 a.m. to 9 p.m. Pacific Time on weekdays,

More information

UIL HOLDINGS CORPORATION 2012 NON-QUALIFIED EMPLOYEE STOCK PURCHASE PLAN

UIL HOLDINGS CORPORATION 2012 NON-QUALIFIED EMPLOYEE STOCK PURCHASE PLAN UIL HOLDINGS CORPORATION 2012 NON-QUALIFIED EMPLOYEE STOCK PURCHASE PLAN 1. Purpose The Employee Stock Purchase Plan (ESPP) is intended to provide Employees (as defined herein) of UIL Holdings Corporation

More information

California Public Employees Retirement System (CalPERS)

California Public Employees Retirement System (CalPERS) About Service How Your Benefit Is Calculated Formulas and Benefit Factor Service retirement is a lifetime benefit. To be eligible for a service retirement, in most cases you must be at least age 50 and

More information

Table of Contents. Introduction What is an ESPP and why implement it? Bi Brief process introduction

Table of Contents. Introduction What is an ESPP and why implement it? Bi Brief process introduction Employee Stock Purchase Plan (ESPP) June 2011 Table of Contents Introduction What is an ESPP and why implement it? Bi Brief process introduction ti Plan Details Characteristics of the plan Tax considerations

More information

What to expect with PayFlex

What to expect with PayFlex What to expect with PayFlex Detailed information about your health savings account (HSA) HSA members moving to PayFlex 69.03.596.1 (3/15) We d like to tell you what you can expect from us as you prepare

More information

THE CLAREMONT COLLEGES Academic Retirement Plan

THE CLAREMONT COLLEGES Academic Retirement Plan THE CLAREMONT COLLEGES Academic Retirement Plan Plan Overview: The Academic Retirement Plan (ARP) is the primary retirement plan for The Claremont Colleges The ARP is a defined contribution plan qualified

More information

Credit Card Processing Guide

Credit Card Processing Guide How Credit Card Transactions Work Credit Card Processing Guide When a payment is submitted through your site, the site asks your gateway if this payment can be accepted. Common reasons that a payment might

More information

Coordinating Your Health Savings Accounts

Coordinating Your Health Savings Accounts Coordinating Your Health Savings Accounts To: Former employees with both an Optum Bank and Fidelity HSA During Annual Enrollment last year, you opened a Health Savings Account (HSA) with Fidelity Investments,

More information

PERSI. It s Your Choice to Go Now, Go BIG! Plan Highlights. Learn about your PERSI Choice 401(k) Plan. Ready, Set, Go: the PERSI Base Plan.

PERSI. It s Your Choice to Go Now, Go BIG! Plan Highlights. Learn about your PERSI Choice 401(k) Plan. Ready, Set, Go: the PERSI Base Plan. PERSI PERSI Choice 401(k) Plan It s Your Choice to Go Now, Go BIG! Plan Highlights Learn about your PERSI Choice 401(k) Plan Ready, Set, Go: the PERSI Base Plan The PERSI Base Plan gets you into the game,

More information

Health Savings Account (HSA) Online Enrollment Guide New Users

Health Savings Account (HSA) Online Enrollment Guide New Users Health Savings Account (HSA) Online Enrollment Guide New Users Follow the steps below to open your HSA with 24HourFlex. If you run into problems or have further questions, please contact our customer service

More information

Health Savings Account Administration Instructions

Health Savings Account Administration Instructions 475 14 th Street, Suite 650 Oakland, CA 94612 P.O. Box 71107 Oakland, CA 94612 T: 1.800.617.4729 F: 1.877.517.4729 Health Savings Account Administration Instructions No Plan Document is needed for Healthcare

More information

Instruction Guide. People First Dependent Certification Process

Instruction Guide. People First Dependent Certification Process People First Dependent Certification Process Each time an employee logs into People First to make an enrollment selection during open enrollment or because of a qualified status change (QSC), he/she must

More information

Investors Choice how the plan works

Investors Choice how the plan works Investors Choice how the plan works How do I get started and enroll? 1. To invest online, log on to www.investpower.com and choose the Paychex logo on the sidebar. Then select Invest Now and follow the

More information

Employee Stock Purchase Plan

Employee Stock Purchase Plan Employee Stock Purchase Plan Prospectus dated January 1, 2015 for the CARMAX, INC. AMENDED AND RESTATED 2002 EMPLOYEE STOCK PURCHASE PLAN As Amended and Restated June 23, 2009 8,000,000 shares of CarMax,

More information

Getting Started About the 401(k) plan. Who is eligible to enroll? What is a Roth 401(k) contribution? Why should I participate in the Program?

Getting Started About the 401(k) plan. Who is eligible to enroll? What is a Roth 401(k) contribution? Why should I participate in the Program? The State of Tennessee 401(k) Deferred Compensation Program (your Program) is a supplemental retirement savings program that is designed to work with the Tennessee Consolidated Retirement System (TCRS)

More information

Retirement Savings Plan

Retirement Savings Plan Retirement Savings Plan Steel Dynamics offers employees the following method to save for retirement: 401(k) Retirement Savings Contributions This benefit allows you to contribute a percentage of your earnings

More information

Quick. Convenient. Straightforward.

Quick. Convenient. Straightforward. Quick. Convenient. Straightforward. Steps for registering on newyorklife.com to access your account and changing bank information for automatic premium payments You have a choice when determining which

More information

September 29, 2005. ABX Air, Inc. Employees:

September 29, 2005. ABX Air, Inc. Employees: September 29, 2005 ABX Air, Inc. Employees: Given the chance to either rent or own your own home, most people would select ownership. There is a certain sense of pride that comes with ownership in addition

More information

WELCOME TO YOUR HEALTH SAVINGS ACCOUNT (HSA)

WELCOME TO YOUR HEALTH SAVINGS ACCOUNT (HSA) WELCOME TO YOUR HEALTH SAVINGS ACCOUNT (HSA) Congratulations! Thank you for opening a Health Savings Account (HSA) with TaxSaver Plan and Bancorp. We are here to help you and your family understand how

More information

Human Resources Management System Pay Entry Calendar Fiscal Year 2013 http://www.umn.edu/ohr/payroll/calendars/index.html

Human Resources Management System Pay Entry Calendar Fiscal Year 2013 http://www.umn.edu/ohr/payroll/calendars/index.html Human Resources Management System Calendar Fiscal Year 203 http://www.umn.edu/ohr/payroll/calendars/index.html Important Information The system is unavailable for entry, due to maintenance, during the

More information

SUMMARY REVIEW COLORADO COUNTY OFFICIALS AND EMPLOYEES RETIREMENT ASSOCIATION 457 DEFERRED COMPENSATION PLAN FOR THE

SUMMARY REVIEW COLORADO COUNTY OFFICIALS AND EMPLOYEES RETIREMENT ASSOCIATION 457 DEFERRED COMPENSATION PLAN FOR THE SUMMARY REVIEW FOR THE COLORADO COUNTY OFFICIALS AND EMPLOYEES RETIREMENT ASSOCIATION 457 DEFERRED COMPENSATION PLAN TABLE OF CONTENTS INTRODUCTION... i HIGHLIGHTS... 2 PARTICIPATION... 2 Eligibility to

More information

Frequently Asked Questions (Last revised on 12/1/2006)

Frequently Asked Questions (Last revised on 12/1/2006) Frequently Asked Questions (Last revised on 12/1/2006) Q. Are the new 401k and the ESOP the same plan or separate plans? A. The JELD-WEN ESOP and the new JELD-WEN 401k Retirement Savings Plan are two separate,

More information

Managing Your Checking Account

Managing Your Checking Account Managing Your Checking Account People you trust. Advice that works. Member FDIC trustmark.com Keeping in Check Avoid unnecessary fees by staying in control of your checking account. 1. Record all transactions

More information

Amazon Restricted Stock Units

Amazon Restricted Stock Units AMZN Amazon Restricted Stock Units Becoming an Owner For employees in the United States You Are an Amazon Leader; You Are an Owner Ownership is one of the leadership principles that guides every Amazonian.

More information

Trading Shares in Your Fidelity Account

Trading Shares in Your Fidelity Account Trading Shares in Your Fidelity Account A quick reference guide for stock plan participants Shares from your stock plan must be deposited into your account and may need to meet certain conditions* before

More information

A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services

A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services A User s Guide to Self-directed Brokerage Accounts (SDAs) From Retirement Brokerage Services Table of Contents Introduction Managing Your Self-directed Brokerage Account (SDA) Funding Your SDA pg. 3 Transferring

More information

STEP 1 PARTICIPANT INFORMATION STEP 2 REASON FOR DISTRIBUTION. A. Your Information

STEP 1 PARTICIPANT INFORMATION STEP 2 REASON FOR DISTRIBUTION. A. Your Information Instructions Fidelity Investments Distribution Form Before you complete the Fidelity Investments Distribution Form, please read the following instructions. Each item listed below corresponds with the steps

More information

TD AMERITRADE Self-Directed Brokerage Account. A Guide for Plan Participants Mutual Funds Option. Your future. Made easier.

TD AMERITRADE Self-Directed Brokerage Account. A Guide for Plan Participants Mutual Funds Option. Your future. Made easier. TD AMERITRADE Self-Directed Brokerage Account A Guide for Plan Participants Mutual Funds Option Your future. Made easier. Inside Your Participant Guide TD AMERITRADE Self-Directed Brokerage Account Overview

More information

Resource Guide for. Understanding FEDERAL TAX DEPOSITS

Resource Guide for. Understanding FEDERAL TAX DEPOSITS Resource Guide for Understanding FEDERAL TAX DEPOSITS s C B e h A T s D of F T THE ABCS OF FTDS It s a great feeling to have your own small business, isn t it? You re the boss! You have a lot of responsibility

More information

The Episcopal Church Retirement Savings Plan and The Episcopal Church Lay Employees Defined Contribution Retirement Plan.

The Episcopal Church Retirement Savings Plan and The Episcopal Church Lay Employees Defined Contribution Retirement Plan. The Episcopal Church Retirement Savings Plan and The Episcopal Church Lay Employees Defined Contribution Retirement Plan Employer Guide i ii 19 East 34th Street New York, NY 10016 www.cpg.org Dear Participating

More information

HSASM group overview

HSASM group overview healthybluehsa SM group overview Table of Contents Guide to Group Setup... Page 3 Health Savings Account... Page 4 HSA Investments... Page 9 Statements and Reporting... Page 10 Healthy Blue Choices SM

More information

FAQs: 401(k) Savings Plan

FAQs: 401(k) Savings Plan FAQs: 401(k) Savings Plan Q1: What is a 401(k) Plan? A1: A 401(k) Plan is a qualified retirement plan. By participating in the Plan, you may elect to reduce your compensation by a specific percentage and

More information

Your Guide to the Health Care Flexible Spending Account and the Health Savings Account

Your Guide to the Health Care Flexible Spending Account and the Health Savings Account Your Guide to the Health Care Flexible Spending Account and the Health Savings Account TABLE OF CONTENTS Introduction...1 Health Care Flexible Spending Account...2 What Is The Health Care FSA?...2 When

More information

How to Set Up a Self-Directed Brokerage Account. The Brooklyn Hospital Center 403(b) Retirement Plan

How to Set Up a Self-Directed Brokerage Account. The Brooklyn Hospital Center 403(b) Retirement Plan How to Set Up a Self-Directed Brokerage Account The Brooklyn Hospital Center 403(b) Retirement Plan How to Set Up a Self-Directed Brokerage Account If you re participating in The Brooklyn Hospital Center

More information

Salaried Investment and Savings Plan Summary Plan Description (SPD)

Salaried Investment and Savings Plan Summary Plan Description (SPD) Salaried Investment and Savings Plan Summary Plan Description (SPD) As of January 1, 2012 (Including updates through 7/31/2012) TABLE OF CONTENTS TABLE OF CONTENTS... 1 ABOUT THIS SPD... 3 ISP AT A GLANCE...

More information

How to Set Up a Self-Directed Brokerage Account

How to Set Up a Self-Directed Brokerage Account How to Set Up a Self-Directed Brokerage Account Your North Dakota Public Employees Retirement System 401(a) Defined Contribution Plan and 457(b) Deferred Compensation Companion Plan How to Set Up a Self-Directed

More information

The Employer Guide to Payroll Deduction

The Employer Guide to Payroll Deduction The Employer Guide to Payroll Deduction Everything you need to know about helping your employees contribute to the Edvest College Savings Plan through payroll deduction appears in this document. You ll

More information

Your Davidson College Retirement Plan ENHANCEMENTS GUIDE

Your Davidson College Retirement Plan ENHANCEMENTS GUIDE Your Davidson College Retirement Plan ENHANCEMENTS GUIDE 14853_01_BRO_Davidson.indd 1 5/4/14 8:31 AM NOW IS A GREAT TIME TO TAKE ADVANTAGE OF YOUR DAVIDSON RETIREMENT PLAN BENEFITS. Davidson College (the

More information

Your Current Savings Plan Account Will Be Merged Into the AT&T Retirement Savings Plan

Your Current Savings Plan Account Will Be Merged Into the AT&T Retirement Savings Plan Benefits Update > PROSPECTUS SUPPLEMENT/SMM This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933. This document supplements and

More information

401(k) AND 457 PLANS HANDBOOK

401(k) AND 457 PLANS HANDBOOK 401(k) AND 457 PLANS HANDBOOK Peach State Reserves (PSR) gives you an easy and effective way to save for retirement. It provides a way for you to save a portion of your income before state and federal

More information

Stock. Bean Stock. Sharing in Our Success. United States

Stock. Bean Stock. Sharing in Our Success. United States Stock Bean Stock Sharing in Our Success United States Bean Stock Rewards Partners We are proud to be able to offer Bean Stock to partners around the world. Created in 1991, Bean Stock is an opportunity

More information

INVESTOR ACCESS ENROLLMENT GUIDE

INVESTOR ACCESS ENROLLMENT GUIDE INVESTOR ACCESS ENROLLMENT GUIDE Enrolling in Investor Access Before enrolling in Investor Access, make sure you have with you one of your last two Raymond James brokerage account statements you will need

More information

Payroll Direct Deposit Self Service Guide

Payroll Direct Deposit Self Service Guide What do I do? Process Overview This guide takes you through the process to add or make changes to your payroll direct deposit bank accounts. 1. Review limitations, special considerations & Foreign National

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses* A health savings account (HSA), combined

More information

OFF TO A FRESH START. ENROLLMENT GUIDE.

OFF TO A FRESH START. ENROLLMENT GUIDE. Let RHA help find the right individual health insurance policy for you. Visit www.rhaexchange.com/dte or call toll-free 1-844-866-8257, Monday through Friday, 9 a.m. 7 p.m. (ET). OFF TO A FRESH START.

More information

AECOM Technology Corporation Employee Stock Purchase Plan Services

AECOM Technology Corporation Employee Stock Purchase Plan Services Updated January 2011 AECOM Technology Corporation Employee Stock Purchase Plan Services United States An important benefit for you Through the AECOM Technology Corporation Employee Stock Purchase Plan

More information

THE EMPLOYEE INVESTMENT PROGRAM

THE EMPLOYEE INVESTMENT PROGRAM THE EMPLOYEE INVESTMENT PROGRAM The Employee Investment Program (EIP or Program) has two components: 1) The Employee Investment Plan Account governed by Internal Revenue Code Section 403(b) - the account

More information

Fidelity BrokerageLink Account Information Guide

Fidelity BrokerageLink Account Information Guide Fidelity BrokerageLink Account Information Guide 1 Log on to NetBenefits. Go to the Vanderbilt prelogin site www.netbenefits.com/vanderbilt and log on to NetBenefits on the top toolbar. 2 Click Quick Links.

More information

Transition Guide. Guiding your way through the exciting plan changes ahead.

Transition Guide. Guiding your way through the exciting plan changes ahead. Transition Guide Guiding your way through the exciting plan changes ahead. As previously announced, Fidelity Investments ( Fidelity ) will become the new provider of recordkeeping services for the Halliburton

More information

Q. Do I need to be a member to use Sam s Club Payroll powered by Execupay?

Q. Do I need to be a member to use Sam s Club Payroll powered by Execupay? Q. What is Sam s Club Payroll powered by Execupay? This service provides full-service payroll exclusively for all Sam's Club members. Q. Do I need to be a member to use Sam s Club Payroll powered by Execupay?

More information

How To Change Your Investments In The Frs Investment Plan Self Directed Brokerage Account

How To Change Your Investments In The Frs Investment Plan Self Directed Brokerage Account FRS Investment Plan Self-Directed Brokerage Account Access Guide For Your Self-Directed Brokerage Account Accessing Your Account Online Access: MyFRS.com With your FRS Investment Plan Self-Directed Brokerage

More information

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015

SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 SCOTT & WHITE RETIREMENT/401(K) PLAN Plan Number 090337 Plan Information as of 05/16/2015 This legally required notice includes important information to help you compare the investment options under your

More information

salesforce.com, Inc. and Salesforce.com Foundation 401(k) Plan

salesforce.com, Inc. and Salesforce.com Foundation 401(k) Plan salesforce.com, Inc. and Salesforce.com Foundation 401(k) Plan There are many great benefits to being a participant in the salesforce.com, Inc. and Salesforce.com Foundation 401(k) Plan. Among those benefits

More information

Alternate Payroll Process Health Savings Account HSA Employer Payroll Funding Application

Alternate Payroll Process Health Savings Account HSA Employer Payroll Funding Application Alternate Payroll Process Health Savings Account HSA Employer Payroll Funding Application August 2015 Version 2.2 Table of Contents Payroll Application Tab 3 Display 3 Contribution Information 5 Submitting

More information

Systems Upgrade Information Frequently Asked Questions

Systems Upgrade Information Frequently Asked Questions Systems Upgrade Information Frequently Asked Questions We ll be continually updating this page to ensure you have the most accurate and up-to-date information possible. Please check back often to stay

More information

MLC Wrap and Navigator Investor Online. A guide to accessing your account online

MLC Wrap and Navigator Investor Online. A guide to accessing your account online MLC Wrap and Navigator Investor Online A guide to accessing your account online This guide will help you set up online access to your account and help you navigate your Investor Online site. Contents What

More information

Frequently Asked Questions for HSAs (Health Savings Accounts)

Frequently Asked Questions for HSAs (Health Savings Accounts) Frequently Asked Questions for HSAs (Health Savings Accounts) (Rev July 2015) HOW A HEALTH SAVINGS ACCOUNT (HSA) WORKS Q: What is an HSA and how does it work? A: If you elect the PPO Plus HSA Plan (new

More information

How To Understand The Liban 401(K) Retirement Plan

How To Understand The Liban 401(K) Retirement Plan LANS 401(k) Retirement Plan Summary Plan Description This Summary Plan Description (SPD) is intended to provide a summary of the principal features of the LANS 401(k) Retirement Plan ("Plan") and is not

More information

Employee Self Service Adding and Modifying Direct Deposit Information

Employee Self Service Adding and Modifying Direct Deposit Information Hobart and William Smith Colleges seek to provide employees with access to their personal information. Through Self Service you may set up and modify payroll direct deposit. You may have up to four U.S.

More information

Self-Service Documentation

Self-Service Documentation Self-Service Documentation March 2009 Log In For LIVE self-service, you will use the following URL: http://mytru.tru.ca Enter your User ID here. First initial, last name Enter your password here. If you

More information

Mondelēz Global 401(k) Savings Plan and Kraft Foods Group 401(k) Savings Plan Spin-Off Guide

Mondelēz Global 401(k) Savings Plan and Kraft Foods Group 401(k) Savings Plan Spin-Off Guide Mondelēz Global 401(k) Savings Plan and Kraft Foods Group 401(k) Savings Plan Spin-Off Guide This Mondelēz Global 401(k) Savings Plan and Kraft Foods Group 401(k) Savings Plan Spin-Off Guide (the Spin-Off

More information

U.S. Bank 401(k) Savings Plan Summary Plan Description

U.S. Bank 401(k) Savings Plan Summary Plan Description U.S. Bank 401(k) Savings Plan Summary Plan Description January 2012 This document constitutes part of a prospectus covering securities that have been registered under the Securities Act of 1933. HR1201W

More information

The Employee Stock Purchase Plan 1

The Employee Stock Purchase Plan 1 The Employee Stock Purchase Plan 1 PLAN HIGHLIGHTS Through Stock Up! you invest in your future by owning a piece of USEC Inc. The Employee Stock Purchase Plan ( ESPP ) offers the following advantages:

More information

Attorneys' Title Guaranty Fund, Inc. Savings Plan

Attorneys' Title Guaranty Fund, Inc. Savings Plan Attorneys' Title Guaranty Fund, Inc. Savings Plan There are many great benefits to being a participant in the Attorneys' Title Guaranty Fund, Inc. Savings Plan. Among those benefits is exceptional customer

More information

The IBM 401(k) Plus Plan. Invest today for what you hope to accomplish tomorrow

The IBM 401(k) Plus Plan. Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Dollar-for-dollar company match, automatic company contributions, broad range of investment options

More information

QPP Loans FOR ALL TIERS

QPP Loans FOR ALL TIERS QPP Loans One of the many benefits provided by the Teachers Retirement System of the City of New York (TRS) is the ability to borrow against your Qualified Pension Plan (QPP) accumulations. This brochure

More information

Making a change for the better has never been easier.

Making a change for the better has never been easier. Making a change for the better has never been easier. With our simple Switch Kit, we have taken the hassle out of changing banks. Stop putting it off and make the move to a better banking relationship.

More information

Welcome to your new 401(k) home

Welcome to your new 401(k) home Welcome to your new 401(k) home Introducing Vanguard... your new 401(k) partner We are excited to welcome Vanguard to the Anheuser-Busch 401(k) Savings and Retirement Plan as our new investment manager,

More information

Self-Direct Brokerage

Self-Direct Brokerage Self-Direct Brokerage sdb Direct Advantage sdb Advisor Advantage Your employer is pleased to offer the Self-Direct Brokerage (sdb) service. An sdb account gives you more flexibility in managing your retirement

More information

Future Scholar welcome guide

Future Scholar welcome guide Future Scholar welcome guide New account information futurescholar.com 888.244.5674 Monday Friday, 8:00 a.m. 8:00 p.m. Eastern Curtis M. Loftis, Jr. State Treasurer State of South Carolina A message from

More information

Bill Payment and Electronic Funds Transfer Service Agreement

Bill Payment and Electronic Funds Transfer Service Agreement ab Bill Payment and Electronic Funds Transfer Service Agreement For more information Call ResourceLine, our interactive voice response telephone unit, 24 hours a day, 7 days a week at 800-762-1000, Option

More information

Expanding your voluntary benefits package with

Expanding your voluntary benefits package with Expanding your voluntary benefits package with New York s 529 College Savings Program Andrew M. Cuomo, Governor Thomas P. DiNapoli, State Comptroller A Partnership for New York Higher Education Services

More information

Frequently Asked Questions

Frequently Asked Questions Frequently Asked Questions Please continue to check back often as new questions and answers will be added! TABLE OF CONTENTS Benefits General. Paid Time Off (PTO). Medical. Prescription Drug Program. Flexible

More information

Children s Mercy Hospital Retirement Plan. Tax Deferred Annuity (TDA) Plan Enrollment Guide

Children s Mercy Hospital Retirement Plan. Tax Deferred Annuity (TDA) Plan Enrollment Guide Children s Mercy Hospital Retirement Plan Tax Deferred Annuity (TDA) Plan Enrollment Guide Welcome to your Children s Mercy Tax Deferred Annuity (TDA) Retirement Plan. The TDA Plan (a 403[b] plan often

More information

2012 House Officer November Lump Sum Payments And Retirement Savings

2012 House Officer November Lump Sum Payments And Retirement Savings UNIVERSITY OF MICHIGAN BENEFITS OFFICE RETIREMENT PLAN ADMINISTRATION WOLVERINE TOWER LOW RISE G405 3003 SOUTH STATE STREET ANN ARBOR, MI 48109-1278 benefits.umich.edu/plans/retire 2012 House Officer November

More information

Quick. Convenient. Straightforward. Steps for registering on newyorklife.com to access your account and making a premium payment online

Quick. Convenient. Straightforward. Steps for registering on newyorklife.com to access your account and making a premium payment online Quick. Convenient. Straightforward. Steps for registering on newyorklife.com to access your account and making a premium payment online You have a choice when determining which product is right for you.

More information

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account

Your Health Savings Account Reference Guide. Your Guide to Understanding a Health Savings Account Your Health Savings Account Reference Guide Your Guide to Understanding a Health Savings Account The Fidelity HSA A tax-advantaged way to pay for health care expenses.* A health savings account (HSA),

More information

Loan Guide. Boeing Voluntary Investment Plan (VIP) General facts about loans

Loan Guide. Boeing Voluntary Investment Plan (VIP) General facts about loans Loan Guide Boeing Voluntary Investment Plan (VIP) Loans from your Boeing Voluntary Investment Plan (VIP) account can help you take care of your financial needs. This guide gives you an overview of the

More information

403(b) Program Highlights

403(b) Program Highlights 403(b) Program Highlights As part of Henry Ford Health System s (HFHS) commitment to helping employees plan for their future financial wellness, HFHS offers a 403(b) program whereby employees can save

More information

Retirement Planning Guide

Retirement Planning Guide County of Los Angeles 401(k) Savings Plan Retirement Planning Guide El Matador State Beach Inside this guide you will find information on the 401(k) Savings Plan and how it can help you prepare for the

More information

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs

TIAA-CREF THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN. Summary of Plan Services and Costs THE BROWN UNIVERSITY DEFERRED VESTING RETIREMENT PLAN Summary of Plan Services and Costs July 3, 2013 This summary provides important information to assist you in making decisions related to your participation

More information

The table below illustrates upcoming offering periods and the corresponding enrollment deadlines.

The table below illustrates upcoming offering periods and the corresponding enrollment deadlines. CenturyLink Employee Stock Purchase Plan (ESPP) Frequently sked uestions What is an Employee Stock Purchase Plan? The Employee Stock Purchase plan (ESPP) allows eligible employees to acquire shares of

More information