Common use of For More Information Clause in Contracts

For More Information. To obtain more information concerning the rules governing this SEP, please contact The Dreyfus Corporation at 000 Xxxxx Xxxxxxx Boulevard, Uniondale, NY 11556-0144 [(000) 000-0000]. IF YOU ARE ESTABLISHING A SEP, A SAR-SEP, OR A SEP/SAR-SEP, THIS MUST BE DISTRIBUTED TO EMPLOYEES. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP OR, IF LATER, AT THE TIME THEY ARE EMPLOYED. A Simplified Employee Pension, or SEP, is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved in more complex retirement plans. Under a SEP an employer makes contributions directly to each employee's Individual Retirement Account or Annuity (XXX). The XXX to which the employer contributes is referred to as a SEP-XXX. An employer who signs a SEP agreement is not statutorily required to make any contribution to the SEP-IRAs of eligible employees. However, if any contribution is made, the contribution may not discriminate in favor of officers, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked for the employer for some period of time (however short) in any three of the immediately preceding five calendar years, are eligible to receive SEP contributions. Certain nonresident aliens, and certain union employees who have already negotiated with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 (adjusted for the cost of living) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding of what a SEP is and how it works. If your employer's SEP permits you to make elective deferral contributions, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown in the white pages of the local telephone directory.

For More Information. To obtain more information concerning the rules governing this SEPIf I have questions about Your business continuity plan, please contact The Dreyfus Corporation at 000 Xxxxx Xxxxxxx BoulevardI may write to Commonwealth Financial Network, Uniondale00 Xxxxxx Xxxx, NY 11556-0144 [(000) 000-0000]. IF YOU ARE ESTABLISHING A SEPWaltham, A SAR-SEPMA 02453, OR A SEP/SAR-SEP, THIS MUST BE DISTRIBUTED TO EMPLOYEES. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP OR, IF LATER, AT THE TIME THEY ARE EMPLOYED. A Simplified Employee PensionAttn: Director of Business Continuity, or SEPcall 000.000.0000. Rollovers to IRAs‌ I understand that if I have the option to roll over money into an IRA from an employer-sponsored plan, is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved such as a 401(k) or 403(b) plan, I may also have the option to leave the money in more complex retirement plans. Under my current plan or roll it into a SEP an employer makes contributions directly to each employee's Individual Retirement Account or Annuity (XXX)new employer-sponsored plan. The XXX benefits of leaving money in an employer-sponsored plan may include access to lower-cost mutual fund share classes that may be unavailable to me outside of the plan, access to investment planning tools and other educational materials, the potential for penalty-free withdrawals if I terminate my employment between ages 55 and 59½, typically broader protection from creditors and legal judgments under federal law, and the ability to postpone required minimum distributions beyond age 72 if I remain employed. Depending on the amount of administrative fees and expenses charged by my retirement plan, I understand that the administrative fees and expenses for an IRA will almost always be greater. I also understand that Commonwealth and my financial advisor will earn compensation as a result of a rollover, which otherwise would not be earned in the absence of such rollover. I understand this list of considerations is not exhaustive. My decision as to whether to roll over my assets from an employer-sponsored plan into an IRA should be discussed with my financial advisor and my tax professional. If my retirement plan account holds significantly appreciated employer stock, I will carefully consider, and seek counsel from a qualified tax professional as may be appropriate, regarding the negative tax implications of transferring the stock to an IRA versus the risk of being overly concentrated in employer stock. If a Commonwealth advisor provides investment advice to the employer contributes is referred sponsoring my retirement plan, the advisor may have provided investment assistance to as a SEP-XXXme and other participants in connection with these plan services. An employer who signs a SEP agreement is not statutorily required In this case, I understand that Commonwealth will only provide rollover IRA services to me if I am able to make certain acknowledgments. By accepting rollover IRA services from a Commonwealth advisor who is also the advisor to my employer’s retirement plan, I acknowledge and agree that (i) Commonwealth separately offers personal investment-related services to individuals that are unrelated to its services as the plan’s advisor, such as recommending investments for an individual’s brokerage account or IRA; (ii) I have decided to take a rollover distribution from the plan; (iii) the advisor and Commonwealth are not offering these IRA-related services in a fiduciary or any contribution other capacity on behalf of the plan, and the fee for these personal services is payable individually by me or through my IRA and not by the plan or the plan sponsor; and (iv) the plan sponsor has not encouraged me to engage Commonwealth for any IRA-related services, and I am not limited to working with Commonwealth when arranging for IRA-related services or any other personal services. Recommendations by a Commonwealth advisor to roll over, transfer, or distribute assets from a plan or IRA that meet the definition of “investment advice” under the Employee Retirement Income Security Act of 1974 (“ERISA”), as amended, will comply with one of the ERISA prohibited transaction exemptions, as applicable, and be paid for by compensation that does not vary depending on the investment recommended. If I Have a Complaint Relating to the SEPAccount(s) I Hold at Commonwealth Complaints may be forwarded to: Attn: Legal Department Commonwealth Financial Network 00 Xxxxxx Xxxx Waltham, MA 02453-IRAs of eligible employees. However3483 800.251.0080, if any contribution is made, the contribution may not discriminate in favor of officers, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked for the employer for some period of time (however shortx9603 ERISA Section 408(b)(2) in any three Disclosures‌ Applicable to All NFS Retirement Plan Accounts: This disclosure includes a description of the immediately preceding five calendar years, are eligible services that Commonwealth is providing to receive SEP contributions. Certain nonresident aliens, and certain union employees who have already negotiated me with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 my defined contribution plan or defined benefit plan (adjusted for the cost of living“Plan”) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding compensation that You receive in connection with those services. The information included in this disclosure is intended to satisfy the disclosure requirements under Section 408(b)(2) of what a SEP is and how it worksERISA, as amended. If your employer's SEP permits you to make elective deferral contributionsCommonwealth provides certain services on behalf of my Plan, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown as described in the white pages Description of the local telephone directoryServices section. These services are provided by my advisor as a Registered Representative and/or an Investment Adviser Representative of Commonwealth.

For More Information. To obtain more information concerning the rules governing this SEP, please contact The Dreyfus Corporation at 000 Xxxxx Xxxxxxx 144 Glenn Curtiss Boulevard, UniondaleXxxxxxxxx, NY 11556XX 00056-0144 [(000800) 000358-00000910]. IF YOU ARE ESTABLISHING A XXXXXXXXXXXX X SEP, A SAR-SEP, OR A SEP/SAR-SEP, THIS MUST BE DISTRIBUTED TO EMPLOYEES. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP OR, IF LATER, AT THE TIME THEY ARE EMPLOYED. A Simplified Employee Pension, or SEP, is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved in more complex retirement plans. Under a SEP an employer makes contributions directly to each employee's Individual Retirement Account or Annuity (XXXIRA). The XXX IRA to which the employer contributes exxxoyer conxxxbutes is referred to as a SEP-XXXIRA. An employer who signs a SEP XXP agreement is not statutorily required to make any contribution to the SEP-IRAs of eligible employees. However, if any contribution is made, the contribution may not discriminate in favor of officers, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked for the employer for some period of time (however short) in any three of the immediately preceding five calendar years, are eligible to receive SEP contributions. Certain nonresident aliens, and certain union employees who have already negotiated with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 (adjusted for the cost of living) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding of what a SEP is and how it works. If your employer's SEP permits you to make elective deferral contributions, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown in the white pages of the local telephone directory.

For More Information. To obtain You may wish to consult with the Plan administrator or payor, or a professional tax advisor, before taking a payment from the Plan. Also, you can find more detailed information concerning on the rules governing this SEPfederal tax treatment of payments from employer plans in: IRS Publication 575, please contact The Dreyfus Corporation Pension and Annuity Income; IRS Publication 590, Individual Retirement Arrangements (IRAs); and IRS Publication 571, Tax- Sheltered Annuity Plans (403(b) Plans). These publications are available from a local IRS office, on the web at 000 Xxxxx Xxxxxxx Boulevardxxx.xxx.xxx, Uniondale, NY 11556or by calling 0-0144 [(000) 000-0000]XXX-XXXX. IF YOU ARE ESTABLISHING A SEPSETTLEMENT AGREEMENT EXHIBIT 5 FOR IMMEDIATE RELEASE Xxxxxxxxxx, A SARXxxxxx & Xxxxxx, a St. Louis law firm, today announced it has reached a tentative settlement with Cigna Corporation and Prudential Retirement Insurance and Annuity Company (PRIAC) of Xxxxx, et al. v. Cigna Corp., et al. Case No. 07-SEP02046 in the U.S. Federal Court for the Central District of Illinois. The case involves disputes over the handling of the Cigna 401(k) plan, OR A SEP/SARthe prudence and level of fees of certain plan investment options, and the sale of Cigna’s retirement business to PRIAC. Under the tentative settlement, which must be approved by an independent fiduciary and Judge Xxxxxx X. Xxxxx, the defendants will pay a combined $35 million. The net proceeds of the settlement, after court-SEPapproved attorney’s fees and expenses of settlement administration have been deducted will be allocated to participant and former participant accounts. Payments to class members will begin after the Court grants final approval of the settlement. Xxxxxx Xxxxxxxxxx of Xxxxxxxxxx, THIS MUST BE DISTRIBUTED TO EMPLOYEESXxxxxx & Xxxxxx, attorneys for the Cigna 401(k) plan participants and beneficiaries, said that in addition to receiving money to support the employees and retirees’ retirement savings, “our goal has been to make sure Cigna employees have a state-of-the-art 401(k) plan, and we think this agreement accomplishes that.” The Xxxxx plaintiffs allege, among other things, that the fiduciaries responsible for overseeing the plans breached their legal duties by allowing the plans to pay excessive investment management and other fees while allegedly benefiting Cigna and that Cigna improperly benefitted from the sale of Cigna’s retirement business. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP ORThe defendants dispute these allegations and assert that the plan has always been appropriately managed to offer a menu of sound options for participants’ retirement savings. Cigna and PRIAC maintain that they have fully complied with the Employee Retirement Income Security Act of 1974 (ERISA), IF LATER, AT THE TIME THEY ARE EMPLOYED. A Simplified Employee Pension, or SEP, is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved in more complex retirement governs such plans. Under a SEP an employer makes contributions directly Both parties have determined that it is in the best interest of the parties to each employee's Individual Retirement Account or Annuity (XXX)resolve the matter in this way. The XXX to which parties have litigated the employer contributes case extensively since February 26, 2007 when the plaintiffs filed their initial complaint. The parties have filed a motion for preliminary approval of the settlement with Judge Xxxxx. If that motion is referred to as a SEP-XXXgranted, members of the class will be formally notified of the settlement. An employer who signs a SEP agreement is not statutorily required to make any contribution to the SEP-IRAs of eligible employees. However, if any contribution is madeIn addition, the contribution may not discriminate in favor parties have agreed that an independent fiduciary must approve the settlement. As part of officersthe settlement, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked Cigna has agreed to a variety of initiatives designed to enhance its review of alternatives for the employer for some period of time (however short) Plan and Plan Participants’ retirement savings. Additionally, Cigna has agreed to continue not to include in the Plan’s investment lineup any three investment options managed by it or its affiliates, and has agreed to continue to exclude retail class mutual funds from the Plan’s lineup — as it has since 1990s. Cigna will engage independent consultants to evaluate and make recommendations regarding certain aspects of the immediately preceding five calendar yearsPlan’s administration. SETTLEMENT AGREEMENT EXHIBIT 0 XXXXXX XXXXXX XXXXXXXX XXXXX XXXXXXX XXXXXXXX XX XXXXXXXX URBANA DIVISION XXX XXXXX et al., are eligible to receive SEP contributions. Certain nonresident aliens) ) Plaintiffs, and certain union employees who have already negotiated with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 (adjusted for the cost of living) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding of what a SEP is and how it works. If your employer's SEP permits you to make elective deferral contributions, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown in the white pages of the local telephone directory.)