Online Enrollment (OLE)

Transcripción

Schwab Retirement Technologies, Inc. ®
Schwab RT Web 4.0
Online Enrollment (OLE)
User Guide
Schwab RT Web
Online Enrollment
Last Issue Date: May 2015
The material contained herein is proprietary to Schwab and for informational purposes only. The
information is not intended to provide tax, legal or investment advice. Schwab does not guarantee
the suitability or potential value of any particular information source. Certain information
presented herein may be subject to change. The information or material contained in this
document may not be copied, assigned, transferred, disclosed or utilized without the express
written approval of Schwab.
The Charles Schwab Corporation provides services to retirement plans and participants through its
subsidiaries: Charles Schwab & Co., Inc. (Member SIPC), Charles Schwab Bank, Schwab
Retirement Plan Services, Inc., Schwab Retirement Plan Services Company and Schwab
Retirement Technologies, Inc.® (Schwab RT). Schwab RT is engaged in developing and licensing
proprietary retirement plan recordkeeping systems to independent Third Party Administrators.
For further information, contact Schwab Retirement Technologies, Inc. at 4529 Sharon Road,
Charlotte, NC 28211, USA. Web site: schwabRT.com.
2015. Schwab Retirement Technologies, Inc. All rights reserved.
Contents
Table of Contents
Overview ........................................................................................................................4
Process Overview .........................................................................................................8
Configuration Fast Track ..............................................................................................9
Web Configuration (Schwab RT Admin) .................................................................... 12
Recordkeeping (Plan Maintenance) Configuration ................................................... 22
System Updates and Reporting ................................................................................. 28
Online Enrollment (OLE) Page Samples and Default Content ................................. 29
Schwab Retirement Technologies
Online Enrollment
Overview
The Schwab RT Web Online Enrollment (OLE) wizard, released in July 2010, provides enhanced
navigation to guide participants through the enrollment process. The wizard is designed to
seamlessly capture all information needed to establish the account, from personal information and
logon credentials to investment choices (default, pre-defined, or self-defined), realignments,
deferrals, beneficiary designations, and statement delivery preferences
At the beginning of the process, the Start page displays a list of enrollments steps, tailored to the
plan, with customizable page instructions to help participants complete the task. Each page of the
wizard displays a progress bar that changes color when the participant reaches that step. Each
page also displays the client-branded header with Quick Links at the top right. As each step is
completed and saved, the system places a check in corresponding box on the Start page.
These navigation elements help keep the participants oriented and provide a sense of continuity
and accomplishment.
Update: With the April, 2011 release, My eDelivery now appears as the first step (if enabled).
May 2015
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Online Enrollment
Notes:
• Online Enrollment (OLE) is available only for users of “My Money” Web (Release 4.0).
Legacy Online Enrollment is available for users of Voice, Call Center, and Web (Release 3.0
or earlier).
• For screen samples and default content of all enrollment Web pages, refer to the section
“Page Samples and Default Content.”
• To use Online Enrollment functionality, the Participant Primary Status must be 831 Eligible
to Enroll. To use this status for reporting purposes, the Code and Map Maintenance
application (C003) must include the 831 restricted status code.
• Participants enrolled in the automatic enrollment program (ACA) will initially be given the
option to keep their default options, select their own enrollment options, or opt out of
contributing to the retirement plan. If the participant chooses to keep the default options,
there will be the opportunity to choose different investment elections, or confirm the default,
on the 'My Investments' page later in the enrollment process. Refer to ACA User Guide for
configuration details on ACA and QDIA.
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Online Enrollment
Navigation and Processing Rules
When the participants click Enroll Now on the Start page, the system guides them through each
successive step in the process.
At each step along the way, Previous and Next buttons are provided to allow the participants to
return to previous page or advance to the next. Any changes made to the current page are not
saved when the Previous button is clicked. Changes made by the participant are saved only
when the Next button is clicked.
At any time during the process, the participant can return to the enrollment Start page by clicking
Home in the Quick Links bar at the top right.
At the conclusion of all enrollment steps, the participant reviews a summary page (shown below)
and verifies the information by clicking Enroll Me. Enrollment is not complete until the
Enroll Me button is clicked.
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Online Enrollment
Note: In addition to Preview and Next buttons, a Finish button is available for each step
in the process if all other steps in the process have already been completed. When the
participant clicks the Finish button, the Summary page appears, allowing the participant
to confirm all selections and make changes if needed before submitting the enrollment.
Incomplete Sessions
Ideally, the participant will complete the entire enrollment process in a single session, but
if he only completes part of the process and needs to return later to complete the
remaining steps, he can exit the process at any time by clicking Exit Online Enrollment
in the Quick Links bar at the top right of the page.
When the participant exits a session without completing all steps, any changes made
since the last time the Next button was clicked will be lost. When the participant returns
to finish the session, any previously completed and saved tasks will appear checked on
the Start page and he can pick up where he left during the previous session.
Saved and Pending Records
Behind the scenes, when the Next button is clicked, the system saves the following data
immediately and also creates a pending record for activity tracking:
• PIN/Password
• Alternate ID
• Beneficiary
• Secret Question and Answer.
Pending records are also created for the following data when the Next button is clicked;
however, this information is not processed until VRS/OPI Update/C552 is run.
• My Contributions
• My Investments
• Realignments
• Address
• Email address.
The Enroll Me button queues up pending record to be processed by VRS/OPI
Update/C552.
When VRS/OPI Update runs, pending records are updated, based on the following
enrollment enforcement system setting* in RK SQL System Maintenance/C282.
• 1 = pending records are processed when all required steps for OLE are completed.
Recommended setting.
• 0 = current pending records are processed without requiring all OLE steps to be
completed.
* Category 5 – OPI Setting #2 Enforce Complete Enrollment
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Online Enrollment
Process Overview
The Online Enrollment process is summarized below, with the participant tasks shaded gray.

Role
Task
1
Recordkeeper
In RK SQL System Maintenance System Settings, select
Category 5 – OPI and set Enforce Complete Enrollment to 1.
2
Recordkeeper
Configure and refresh Plan Maintenance.
3
Web Admin
Configure Online Enrollment Web options (Schwab RT Admin).
4
Participant
Access Schwab RT Web application with User ID and assigned PIN.
5
Participant
Complete the following tasks:
•
My Information—Enter email and mailing addresses, change PIN, and
choose password recovery options.
•
My Contributions—Choose deferral dollar amount or percentage.
•
My Investments—Keep default investments, select pre-defined
portfolio, or create your own investments. Realign balances.
•
My Beneficiaries—Designate beneficiaries.
•
My eDelivery—Choose statement delivery preference.
6
Participant
Submit completed enrollment and exit system.
7
Recordkeeper
Run VRS/OPI Update to fulfill enrollment and generate reports.
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Online Enrollment
Configuration Fast Track
Use the following Fast Track to help configure your Online Enrollment options. Supplemental
configuration information is provided in other sections of this document.
Enrollment Element
Application/Settings
 START
Page Content for all
Enrollment options
SRT Admin>Content Manager:
Enable Enrollment
Options *
RK>Plan Maintenance>VRS/OPI Set Up Options:
PIN Settings for
Initial Access
RK>Plan Maintenance>VRS/OPI:
Enrollment Cycle
RK>Plan Maintenance>Eligibility:
Enrollment Enforcement
RK SQL System Maintenance>System Settings:
Rollover Prompt
SRT Admin>Plan Options>Environment>Web Options>Online Enrollment:
Advice/Education Link
Third Party Enrollment
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Online Enrollment
 MY INFORMATION
Email Address
SRT Admin>Plan Options>Environment>Web Options>Participant Options:
Mail Address
SRT Admin>Plan Options>Environment>Web Options>Participant Options:
Alternate User ID
SRT Admin>System Options>Authentication Options:
PIN Reset and
Secret Q&A
SRT Admin>System Options>Authentication Options:
 MY CONTRIBUTIONS
Plan-level
Deferral Settings
RK>Plan Maintenance>Activity Controls:
Source-level
Deferral Settings
RK>Plan Maintenance>General Source Data:
Catch Up Deferrals
RK>Plan Maintenance>Compliance:
Matching Information
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Online Enrollment
 MY INVESTMENTS
Auto Rebalance
RK>Plan Maintenance>VRS/OPI>Auto Rebalance Settings:
Note: Requires consolidation of VRS, Call Center, and Web sources on
VRS/OPI Settings tab. Portfolios and cycles must be defined.
SRT Admin>Plan Options>Auto Rebalance Options:
SchARP Workflow Designer and Scheduler:
 MY BENEFICIARIES
Beneficiary Information
SRT Admin>Plan Options>Environment>Web Options>Plan Options:
 MY eDELIVERY
Statements
SRT Admin>Plan Options>Environment>Web Options>SchwabRT
eStatement:
COMPLETED ENROLLMENTS
System Update
Run VRS/OPI Update/C552 to update system with completed enrollments.
* If you enable either the My Contributions or My Investment pages for online enrollment, you must also
enable the corresponding VRS/OPI settings. Otherwise participant requests will be rejected.
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Online Enrollment
Web Configuration (Schwab RT Admin)
You can use Schwab RT Admin to configure auto-rebalance, beneficiary designation, PIN reset,
secret question and answer, statement delivery preference, and other options that appear on the
Online Enrollment pages. You can also customize the content of the Online Enrollment main
page using Content Manager.
Modifying Online Enrollment Page Content
If you decide to modify the default content that automatically appears on the enrollment pages,
you can do so using the Schwab RT Admin Content Manager, available from the Web Options
menu. All the content for the new pages can be modified in a single location by selecting the
Online Enrollment Wizard page, shown below. Enrollment content is independent of the
content used for post-enrollment options.
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Online Enrollment
Locating Specific Content
The easiest way to locate the specific text that you want to change is to use the browser’s Find
(Ctrl+F) option to search all Online Enrollment Wizard content fields. A sample search is shown
below.
Content for Legacy Online Enrollment: For users of Voice, Call Center, and Web (Release 3.0
or earlier), select the Online Enrollment option to define your custom content.
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Online Enrollment
Date-Sensitive, Site-Specific, and User Defined Content
Some enrollment pages contain information that must be updated each year or that is specific to
each site’s operational requirements. This information is not updated by Schwab RT and must be
maintained by your site’s Web administrator using the Content Manager options in Schwab RT
Admin.
The following table identifies variable and user-defined content on the Online Enrollment pages.
Enrollment Page
Variable Content (must be maintained on site)
My Contributions
- Regular Contributions
- Catch-up Contributions
Maximum amount you can contribute annually
My Investments
- Choose Predefined Portfolios
- Realignment, Source Selection
Daily cutoff time for processing requests
My Investments
(Risk Questionnaire)
All content is user-defined
Note: For screen samples and default content of the enrollment Web pages, refer to the section
“Page Samples and Default Content.”
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Online Enrollment
Online Enrollment Options
You can use the following Online Enrollment Options to enhance your enrollment pages with
Education and Advice links, rollover information prompts, and employer match information.
You can also elect to use a third party enrollment provider in place of the Schwab RT Online
Enrollment Wizard. These options are available in Schwab RT Admin at Plan
Options>Environment Options>Web Options.
Field
Definition
Help Me Link
Designates the service provider to use for the Education & Advice link
that appears on the Start page. To use any of the available providers, your
site must maintain an active subscription to that service. Your enrollment
process must include steps for Contributions and Investments in order to
use the help link.
Available options:
•
401k Tools
•
Morningstar
•
Financial Analyzer
•
GuidancePlus
• None (default)
Note to users of MasteryPoint GuidancePlus (2-way): Any investment
elections or deferrals the participant selects in GuidancePlus will be
automatically applied to the corresponding Schwab RT Online Enrollment
pages when the participant saves and closes the help window.
Third Party URL
for Enrollment
May 2015
If you are using a third party enrollment tool instead of Schwab RT Online
Enrollment, this URL will launch when the participant logs on to the Web
site for the first time. Defaults to blank (use Schwab RT enrollment).
For more information, see “vWise SmartPlan Enterprise Video Enrollment
Option.”
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Online Enrollment
Allow Rollover
Information Update
Select this option to display the following prompt on Start page for the
purpose of capturing participant rollover information. Rollover information
is included in system reporting along with other enrollment data.
Display Match
Information
Select this option to display the following link on the My Contributions
page:
What do I need to contribute to get the maximum employer match?
When you click the link, the following message appears:
“Your employer will match a portion of what you contribute towards your
retirement. To receive the maximum match possible, you would need to
contribute ___% of your pay.
Please refer to your Summary Plan Description for additional details.”
The system automatically uses the highest percentage from the Match
Steps table on the Match Provisions window in Plan Maintenance.
See example following this table.
Display RK
Match Table
Select this option to include in the Employer Match Information message a
table summarizing the available match levels, as defined in the Match
Steps table on the Match Provisions window in Plan Maintenance.
This option is available only when the Display Match Information option
is selected.
See example following this table.
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Online Enrollment
Employer Match Information Example
The following illustration shows how the employer match prompt and popup window will appear
when both the Display Match Information and Display RK Match Table options are selected.
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Online Enrollment
vWise SmartPLan Enterprise Video Enrollment Option
Preferred pricing is available for Schwab RT Web clients who wish to implement the
third-party video enrollment and resource center developed by vWise SmartPlan
Enterprise.
Schwab RT’s new Online Enrollment (OLE) wizard provides an option to launch a third
party enrollment tool instead of Schwab’s built-in enrollment package.
The Third Party URL for Enrollment setting is located in SRT Admin>Plan
Options>Environment Options>Web Options>Online Enrollment.
For more information on the required contract agreement with vWise and special
Schwab pricing, contact Alan Godfrey at (949) 716-1274.
About SmartPlan Enterprise
Designed to help average investors better understand their retirement plans, SmartPlan
Enterprise provides the benefits of a personal financial professional, in a website
available 24/7/365. By combining a video-based presentation of detailed financial
information with an interactive application that prompts users to make informed
investment decisions, SmartPlan Enterprise can help increase plan enrollment, raise
participant contribution levels, and reduce support costs.
The SmartPlan Enterprise participant environment features a familiar interface that makes
it easy to navigate, even for novice users, and allows a participant to go at his or her own
pace. Video hosts offer a brief video overview of 401(k) basics, followed by a discussion
of selected features, such as auto-enrollment, matching contributions, and loans. Then,
using simple interactive forms, the video hosts guide participants through a short process,
including individual retirement needs and risk profile surveys, and selection of
investment types and contribution amounts that generates a personalized investor profile.
The SmartPlan Enterprise system is integrated with a provider’s participant database, to
deliver a custom experience and allow upload of participant choices. To learn more, visit
www.vwise.com.
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Online Enrollment
Plan Environment Options
To enable options for beneficiary, investment performance, email address, mailing addresses, and
statement delivery preference, go to Plan Options>Environment Options>Web Options, as
shown below.
Note: If the system/plan offers eStatements only, the eDelivery statement option will not appear
during the enrollment process.
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Online Enrollment
System Authentication Options
To enable options for PIN reset, secret question/answer, and alternate user ID, use the Web
Options available at System Options>Authentication Options in Schwab RT Admin.
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Online Enrollment
Configuring Beneficiary Designation Options
If you plan to offer the Beneficiary Designation option to your enrollees, you must define the
corresponding options in Schwab RT Admin. Online beneficiary options let participants designate
their beneficiaries during the online enrollment process and access the option at any time from the
participant Web menu. Using flexible, plan-level options, you can allow participants to add,
modify, and delete primary and contingent beneficiaries, or you can restrict their access to view
only.
Use the following procedures to configure beneficiary options for the plan:
1. From the Plan Options menu, select View/Update Options.
2. Select a plan or plans and click Continue.
3. Under Plan Options, click Environment Options line.
4. Under Web Options>Plan Options, select Enable Beneficiary Designation (View Mode).
5. Select Add/Edit/Delete Beneficiary Designation if you want to allow participants to add,
modify, and delete beneficiaries.
6. Select Display Marital Status for Beneficiary Designation if you want the participant’s
marital status to display on the beneficiary page
Configuring PIN Reset and Secret Question and Answer Options
If you plan to offer the Secret Question and Answer option to your enrollees, you must define the
corresponding options in Schwab RT Admin. Participants can create their Secret Question and
Answer option during the online enrollment process and access the option at any time from the
participant Web menu. Participants who know their User ID can reset their PIN by answering a
secret question or by identifying their date of birth, date of hire (optional), and ZIP Code. A link
on the Logon page directs them to a page where they can establish a new PIN.
The following table summarizes the steps required to configure PIN Reset security.
1. From the System Options menu, select Authentication Options.
2. Under Web Options, select Enable PIN Reset and Alternate ID Retrieval Q&A.
3. If you want to require the use of a secret question and answer to gain access to the PIN reset
option, select the Require PIN/Alternate ID Q&A option. If this option is not enabled, and
if the participant has not created a secret question and answer, then the participant will be
asked to enter his date of birth, date of hire, and ZIP Code in order to reset the PIN.
4. If you want to remove the Date of Hire from the PIN Rest page, click Hide Date of Hire.
5. Click Update.
Note: To enable the PIN reset for Alternate User Ids, select the Enable Forgot Alternate Id
option.
Configuring Automatic Portfolio Balancing
If you plan to offer the auto-rebalance options to your enrollees, you must define the
corresponding options in Schwab RT Admin and Recordkeeping. For detailed procedures on
configuring auto-rebalancing, refer to Schwab RT Automatic Portfolio Balancing.
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Online Enrollment
Recordkeeping (Plan Maintenance) Configuration
VRS/OPI Settings
On the Plan Maintenance/VRS/OPI Settings window, use the Online Enrollment PIN Option
fields to select the participant’s initial PIN that will be used for Online Enrollment.
Field
Definition
Date of Birth
Select one of these options to use the participant birth date in one of the following
formats as the initial PIN number for Online Enrollment:
MMYY, MMDD, MMDDYY, MMDDYYYY.
Partial SSN
Select this option to use a specified number of digits of the participant’s Social
Security number as the initial PIN number for Online Enrollment. The number of
digits the participant must enter is specified in the Minimum PIN Length field.
The specified number indicates the last digits of a participant’s Social Security
number to be entered.
Example: If a participant’s Social Security number is 123-45-6789, and the
Minimum PIN Length field is 4, then a participant’s initial PIN number is 6789.
Random
Select this option to use PINs randomly generated by the system as the initial PIN
number for Online Enrollment. If you choose this option, you must generate PIN
Notification Letters to inform participants of their randomly-generated PIN
numbers.
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Online Enrollment
Optional Online Enrollment setup for Auto-Rebalanced Portfolios:
To setup Online Enrollment for Auto-Rebalancing, select the VRS/OPI/Auto-Rebalance
Settings tab and define the following settings:
To use Online Enrollment with Auto-Rebalancing on the Web, you must select both the
Enable Auto-Rebalance option on the window above and the Online Enrollment AutoRebalance option (on the VRS/OPI Setup Options window). Activity Tracking, VRS
Inquiry, and C070/Plan Inquiry reflect these VRS/OPI settings.
If Enforce During Online Enrollment option is selected, the participant must elect into one
of the portfolios. If the option is not selected, Auto-Rebalance is an optional step during
online enrollment.
(Refer to the Automatic Portfolio Balancing User Guide for additional configuration
requirements).
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Online Enrollment
VRS/OPI Setup Options
On the VRS/OPI Setup Options window, select from the following OPI Setup Options, as
appropriate.
30 Online Enrollment Deferral
31 Online Enrollment Investment Election
32 Online Enrollment PIN Change
33 Online Enrollment Realignment
44 Online Enrollment Auto-Rebalance (Web only)
Note: If you select options 30 (Deferral), 31 (Investment Election), 32 (PIN Change), or 44
(Online Enrollment Auto-Rebalance), the participant will be required to perform corresponding
tasks to complete the enrollment process. Option 44 is required if the Enforce During Online
Enrollment checkbox is selected. Option 33 (Realignment) is a required participant task. If the
participant chooses not to realign his or her portfolio, the enrollment process will not be
terminated.
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Online Enrollment
Eligibility
On the Eligibility window, use the Online Enrollment fields to define the plan’s enrollment cycle.
In the Enrollment Cycle field, select Open if participants can enroll at any time or Restricted if
participants can enroll only during specified enrollment cycles. If you select Restricted, you must
indicate Open Date(s) and Cutoff Date(s) in MMDD format.
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Online Enrollment
Activity Controls Window
On the Plan Maintenance/Activity Controls window, use the Deferral Limits fields to select the
method (Percentage, Dollar, or both) for the participant to enter deferral limits. The default option
is Percentage.
In the Maximum fields, enter the maximum percentage and dollar amounts a Highly
Compensated (HC) or Non-Highly Compensated (NHC) participant can contribute to the plan
May 2015
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Online Enrollment
General Source Data
Under Source Level Settings, open the General Source Data window and define the Percentage
and Dollar Deferral Limits for the selected source.
Note: When configuring Plan Maintenance for Online Enrollments, Plan-Level and
Source-Level Deferral Limits should be set to the maximum allowable percentage
and/or dollar amounts. If the Deferral Limits are set to 0.00, the participant will not be able to
change deferral amounts over the Web.
Note: If applicable, select the appropriate options for Catch Up Deferrals. Catch-up Deferral
Settings in Plan Maintenance are located on the Compliance window.
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Online Enrollment
System Updates and Reporting
After the participant (or CSR) completes the Online Enrollment process, the Recordkeeper must
run VRS/OPI Update/C552 to officially enroll the participant and generate reports.
VRS/OPI Update
May 2015
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Online Enrollment (OLE) Page Samples and Default Content
Start (Non-ACA)
Note: Due to space constraints of this document, the global header elements illustrated above are not included in all page samples
Update: With the April, 2011 release, My eDelivery now appears as the first step (if enabled).
May 2015
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Wizard Shell
These content elements are applied to all Online Enrollment pages.
Element
Tabs
Buttons
Content
Enrollment Progress
Start
My Information
My Contributions
My Investments
My Beneficiaries
My eDelivery Options
Spanish Translation
La matrícula progreso
Empezar
Mi información
Mis contribuciones
Mis Inversiones
Mis beneficiarios
Mis opciones de e-entrega (entrega
electrónica)
Terminar
Matricularse ahora
Anterior
Siguiente
Omitir
Matricularse
Cancelar la matrícula
Editar
Finish
Enroll Now
Previous
Next
Skip
Enroll Me
Cancel Enrollment
Edit
Education and Advice Page (link to third party tool)
May 2015
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Start (Non-ACA)
Element
Header
Message Body
Password Note
Rollover
Information
Former Employer
Balance Label
Help Link
For Steps
Name Error
Balance Error
Block Message
Education and
Advice page
May 2015
Content
Welcome to Online Enrollment
• The enrollment wizard will guide you through all the
steps to ensure you have fully completed the
enrollment process. You may choose to complete the
tasks in any sequence.
• A check mark appears when you successfully complete
each task. You must complete the entire enrollment
process before your requests are processed.
• Before you submit your enrollment request, you will
have the opportunity to view and/or change each
request on the Online Enrollment Summary page.
Note: Your password or PIN change will take effect
immediately.
I have a retirement account with a previous employer that
I am interested in rolling over.
Previous Employer’s Name
Approximate Balance
Education & Advice
Step
Enter previous employer’s name
Enter approximate balance
You are currently ineligible for online enrollment.
Continue
Spanish Translation
Bienvenido a la matrícula en línea
• El asistente de matrícula le guiará a través de los pasos
necesarios para completar el proceso de matrícula.
Puede elegir completar los pasos en cualquier orden.
• Una señal de control (tache o palomita) aparecerá al
terminar cada paso. Es preciso que termine todos los
pasos de matrícula antes de que sus peticiones sean
procesadas.
• Antes de someter su petición de matrícula, tendrá la
oportunidad de ver y/o cambiar cada paso en la página
sumaria de la matrícula en línea.
Atención: el cambio de su contraseña o su número de
identificación personal (PIN) será inmediato.
Tengo una cuenta de ahorros jubilatorios con una empresa
anterior que deseo reinvertir en otra cuenta.
Nombre de la empresa anterior
Saldo aproximativo
Educación & Asesoramiento
Paso
Teclee el nombre de la empresa anterior
Teclee saldo aproximativo
En este instante, Usted es inelegible para la matrícula en
línea.
Continuar
Thank you for using Education and Advice.
Click Continue to complete your enrollment.
Gracias por utilizar Educación y Asesoramiento. Haga click
sobre Continuar para terminar su matrícula.
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Start (ACA)
May 2015
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Note: If Opt Out is selected on the ACA page, the online erollment process will continue in order to capture the participant’s edelivery
preferences, beneficiary, and other information.
Start (ACA)
Element
ACA header
ACA sub header
Default option
Select my enrollment
options
Opt Out option
Default option message
Contribution label
Contribution message
Enroll Investment Message
Options label
Select my enrollment
options
Opt Out options
Save message
May 2015
Content
Automatic Enrollment
Your retirement plan offers an automatic
enrollment program.
Keep The Default Options
Select My Enrollment Options
Spanish Translation
Matrícula automática
Su plan de jubilación le ofrece un programa de matrícula
automática.
Guardar las opciones por defecto.
Seleccionar mis opciones de matrícula.
Opt Out
- The amount withheld from your pay
(default contribution / savings rate) and
contributed to your retirement account on your
behalf is set by your employer.
Your default contribution / savings rate is:
- The amount you contribute to your retirement
account will be invested in the following default
investment:
Your default investment is:
There will be the opportunity to choose different
investment elections, or confirm the default, on
the 'My Investments' page.
This option will allow you to
- Choose your own contribution/savings rate.
- Determine how these amounts are invested.
- Once you 'Select My Enrollment Options', you
will not have the option to return and select the
automatic enrollment program.
- To ‘Opt Out’ of contributing to your retirement
account, select this option.
- Once you Opt Out, you will not have the option
to return and select the automatic enrollment
program.
Decidir de no participar
El importe retenido en su nómina (contribución por defecto /
tasa de ahorros) y contribuido en su cuenta de ahorros
Jubilatorios por su cuenta está determinado por su
empleador.
Su contribución por defecto / tasa de ahorros es:
El importe que contribuya en su cuenta de ahorros
jubilatorios será invertido en la inversión por defecto
siguiente:
Su inversión por defecto es:
The system will save any changes you make.
Esta opción le permitirá
- Elija su propia tasa de contribución/ahorros.
- Decida cómo serán invertidos estos importes.
- Una vez elegida la opción "Seleccionar mis opciones de
matrícula" no le será posible volver y seleccionar el
programa de matrícula automática.
- Para "decidir de no participar" en su cuenta de ahorros
jubilatorios, seleccione la opción a continuación "Decidir de
no participar".
- Una vez elegida la opción decidir de no participar no le
será posible volver y seleccionar el programa de matrícula
automática.
El sistema guardará cualquier cambio que Usted haga.
Page 33 of 75
Enrollment message1
Enrollment message 2
Time period header
Contribution header
Default label
Year end label
Confirm message
May 2015
You may return to Online Enrollment to review
or change your selections anytime during the
enrollment period.
Once you complete Online Enrollment, your
requests will be processed at the conclusion of
the enrollment period.
Time Period
Contribution Rate
Your starting default contribution rate
Year end contribution rate
Thank you for visiting Online Enrollment. Click
Exit Online Enrollment to exit.
Si Usted lo desea durante el periodo de matrícula, puede
volver a la Matrícula en línea para revisar o cambiar sus
selecciones.
Una vez terminada la Matrícula en línea, su pedido será
procesado al final del periodo de matrícula.
Periodo de tiempo
Tasa de contribución
Su tasa inicial de contribución por defecto
Su tasa de contribución a fín de año
Le agradecemos su visita a la Matrícula en línea. Haga click
sobre Salir para salir de la Matrícula en línea.
Page 34 of 75
My Information
May 2015
Page 35 of 75
My Information
Element
Page Header
Personal
Information
Section Header
Message Body for
personal
Information
Content
My Information
My Personal Information
My name label
SSN label
Division label
Birth label
Email label
Street Address
label
City label
State label
Zip label
Phone label
Email Error
My Name
Social Security Number
Division Code
Birth Date
Email Address
Street Address (Line 1)
Street Address (Line 2)
City/Town
State/Province
Zip/Postal Code
Phone Number (for emergency purposes)
Enter a valid Email address.
• Puede poner al día su información personal a través de este
sitio.
• Si cualquier información es incorrecta, le rogamos se ponga
en contacto con su departamento de recursos humanos o
de la paga.
Mi nombre
Número de Seguro Social
Código de división
Fecha de nacimiento
Dirección electrónica
Dirección de correos (línea 1)
Dirección de correos (línea 2)
Ciudad
Estado / Provincia
Código postal
Número de teléfono (en caso de emergencia)
Teclee una dirección electrónica válida
Enter email ID.
Enter address
Enter city
Select state
Teclee el usuario de su dirección electrónica
Teclee dirección
Teclee la ciudad
Seleccione estado
My Login Information
Mi información de entrada (login)
Your plan requires you to change your login name and
PIN/password (Please refer to the PIN/Password and
Alternate User ID Rules)
Su plan requiere que cambie su nombre de usuario y
contraseña o número de identificación personal PIN (le
rogamos se refiere a las Reglas de PIN/contraseña y usuarios
alternativos).
Address Error
Login Information
Section Header
Message Body for
login info
May 2015
Spanish Translation
Mi información
Mi información personal
• You may update some personal information through
this site.
• If any information is incorrect, please notify your human
resources or payroll department.
Page 36 of 75
Alt Id label
New password
label
Confirm password
label
Password rules
label
Alt Id rules label
Min length labels
Max length labels
Alternate User ID
Enter New PIN/Password
Usuario alternativo
Teclee la nueva contraseña/PIN
Confirm New PIN/Password
Confirme su PIN/contraseña
PIN/Password Rules
Reglas de PIN/contraseña
Alternate ID Rules
Minimum PIN/Password Length
Reglas de usuarios alternativos
Tamaño mínimo de PIN/contraseña
Minimum Alternate User ID Length
Maximum PIN/Password Length
Tamaño mínimo de usuario alternative
Tamaño máximo de PIN/contraseña
Maximum Alternate User ID Length
1. Enter a PIN/Password
2. Confirm your PIN/Password.
3. Confirm New PIN/Password and Enter New
PIN/Password must match.
4. New PIN/Password must be at least
5. characters
6. PIN/Password cannot match last four digits of SSN
7. PIN must be a numeric value
Alt Id Errors
1. Enter Alternate User ID
2. User ID may not contain an '&’
3. 9 Digit Numeric Alternate User IDs are not valid.
Select another Alternate User ID
4. User ID may not contain spaces
5. Alternate ID already exists
6. User ID must contain at least
Tamaño máximo de usuario alternativo
1. Teclee un PIN/contraseña
2. Confirme su PIN/contraseña
3. La confirmación de su PIN/contraseña y el tecleo de su
nuevo PIN/contraseña deben de ser idénticos.
4. El nuevo PIN/contraseña deben de tener al menos
5. Símbolos
6. Su PIN/contraseña no puede ser idéntico a los cuatros
últimos números de su seguridad social
7. El PIN debe ser numérico.
1. Teclee un usuario alternativo
2. El usuario alternativo no puede contener '&’
3. Los usuarios alternativos con 9 dígitos numéricos no son
válidos. Le rogamos seleccione otro usuario alternativo.
4. El usuario alternativo no puede contener espacios.
5. Este usuario alternativo ya existe.
6. El usuario alternativo debe contener al menos
Password
Recovery Section
Header
My PIN/Password Recovery Information
Información para la recuperación de mi PIN/contraseña
Password Errors
May 2015
Page 37 of 75
Message Body
• Your plan allows you to reset your PIN/Password in the
event you forget your PIN/Password.
• To use this feature, you must know your login name,
date of birth and other information when prompted.
• Define your own personal hint or secret question and
response that are meaningful only to you.
• Your secret question will display when you select this
option from the Login page.
Hint label
Hint example
Secret Answer
label
Repeat label
Note label
My Hint or Secret Question
Example: What was my first pet’s name?
My Secret Answer
• Su plan le permite restaurar su PIN/contraseña en el caso
de que Usted se olvide de su PIN/contraseña.
• Para poder utilizar este recurso, debe conocer su nombre de
usuario, fecha de nacimiento y otro tipo de información
cuando se lo pregunten.
• Elija su pista personal o pregunta secreta así como una
respuesta que le sea totalmente personal.
• Su pregunta secreta aparecerá cuando seleccione esta
opción desde la página de entrada.
Mi pista o pregunta secreta.
Por ejemplo: ¿Cómo se llamaba mi primera mascota?
Mi respuesta secreta
Repeat Secret Answer
Note: Case sensitive, space and special characters
allowed.
1. Enter a Secret Question
2. Enter a Secret Answer
3. Enter 5-200 Characters
4. Enter your Secret Answer again
5. Secret Answer and Repeat Secret Answer must
match
You have completed this step. If you want to modify
existing information, please update information and click
Next.
Repita respuesta secreta
Atención: el sistema guarda las mayúsculas y minúsculas,
tambien permite incluir símbolos especiales.
1. Teclee un pregunta secreta
2. Teclee un respuesta secreta
3. Teclee de 5 a 200 letras o símbolos
4. Vuelva a teclear su respuesta secreta
5. Su respuesta secreta y la repetición de la respuesta secreta
deben de ser identicas.
Ha terminado con este paso. Si desea cambiar información ya
existente, le rogamos ponga al día la información que desee
cambiar y haga click sobre Siguiente
Password
Recovery Errors
Pending Message
May 2015
Page 38 of 75
My Contributions
May 2015
Page 39 of 75
My Contributions, With Catchup
May 2015
Page 40 of 75
My Contributions, With Catchup (cont.)
May 2015
Page 41 of 75
My Contributions
Element
Header
Regular
Contributions
Message Body
Employer Match
Label
Regular
Contributions Sub
Header
Contribution label
Contribution rules
header
Max and Min
labels
Catchup
Contributions Sub
Header
Catchup
Contributions
Message Body
Catchup check
Catchup rules
header
Max and Min
labels for Catchup
May 2015
Content
My Contributions
The maximum dollar amount you can contribute annually
to your 401(k) in 2010 is $16,500. This amount is
determined by the Internal Revenue Service (IRS) and
does not include any contributions from your employer
(e.g. employer match). Each year, you can contribute a
percentage or amount of your annual salary until you
reach the IRS dollar maximum. Your maximum employee
contribution percentage or rate is determined by your
company’s plan.
What do I need to contribute to get the maximum
employer match?
Regular Employee Contributions
Spanish Translation
Mis contribuciones
Usted puede contribuir unos 16.500 dólares para el año 2010
en su cuenta de ahorros 401(k) como máximo. Esta cifra está
determinada por el Ministerio de Hacienda (IRS) y no incluye
las contribuciones de su empleador (es decir, cuando su
empleador hace contribuciones igualadas). Cada año, Usted
puede contribuir un porcentaje o una porción de su salario
anual hasta llegar a la cantidad máxima permitida por
Hacienda (IRS). Su tasa de contribución personal máxima
está determinada por el plan de su empresa.
¿Cuánto tengo que contribuir para conseguir la mayor
contribución igualada de mi empleador?
Contribuciones regulares de empleado
Contribute By
Plan Level Contribution Rules
Contribuye por
Reglas del plan de nivel de contribución
Minimum
Maximum
Mínimo
Máximo
Catchup Contributions
Aportaciones de recuperación
Since you are older than 50 years or will be 50 by the
end of the tax year, the IRS has a special provision
allowing you to contribute an amount above and beyond
the typical dollar limits set for your 401k plan. The
maximum you may contribute out of your current salary
is $5,500.
I would like to participate in Catchup Contributions
Plan Level Catchup Contribution Rules
Ya que Usted tiene 50 años o va a cumplir 50 años antes del
fin del año fiscal, Hacienda (IRS) le permite contribuir por
encima del límite impuesto por su plan de 401k. Lo máximo
que puede contribuir de su salario corriente son 5.500
dólares.
Minimum Catchup
Maximum Catchup
Recuperación mínima
Recuperación máxima
Deseo participar en aportaciones de recuperación.
Reglas del plan de nivel de aportaciones de recuperación
Page 42 of 75
Header for
grid/table
Source Name
Minimum Contribution
Maximum Contribution
Current Value
New Value
Total
1. Invalid Value
2. You may not contribute more than
3. You may not contribute less than
4. Total contribution may not exceed
5. Total contribution must exceed
6. You have Inquiry-Only rights to this option.
7. Contributions Unavailable
8. You may not change your contributions at this time
due to the following reason(s):
9. Contribution rate/dollar changes are blocked.
10. Contribution rate/dollar value must be a whole
number.
11. The maximum precision you may enter is
12. decimal place(s)
13. in this source.
Nombre de la fuente
Contribución mínima
Contribución máxima
Valor actual
Nuevo valor
Total
1. Valor no válido
2. Usted no puede contribuir más de
3. Usted no puede contribuir menos de
4. Su contribución total no podrá ser superior
5. Contribución total debe sobrepasar
6. Sólo tiene derechos de información acerca de esta opción.
7. Contribuciones no disponibles
8. No puede cambiar sus contribuciones en este instante,
debido a lo siguiente:
9. Cambios de tasa/dólares de contribución están bloqueados.
10.Valor de tasa/dólares de contribución debe ser un número
entero.
11.La precisión máxima que puede teclear es
12.Lugar(es) del decimal/punto
13.En esta fuente
Pending Message
You have completed this step. If you want to modify your
contribution information, please update the information
and click Next.
Ha terminado con este paso. Si desea cambiar información de
contribución, le rogamos ponga al día la información que
desee cambiar y haga click sobre Siguiente
Zero Contribution
Error
You have chosen not to contribute. Select Cancel to
enter a different value, or click Ok to continue.
Ha elegido de no contribuir. Seleccione Cancelar para teclear
un valor diferente, o haga click sobre Ok para continuar.
Blank content to
allow user to enter
Custom Match
Content
Your employer will match a portion of what you
contribute towards your retirement. To receive the
maximum match possible, you would need to contribute
___% of your pay.
Please refer to your Summary Plan Description for
additional details.
Su empleador igualará una porción de lo que Usted
contribuya hacia su jubilación. Para recibir la mayor
contribución igualada de su empleador, necesita contribuir un
___% de su paga.
Vease la Descripción Sumaria de su Plan para conseguir más
información.
Match labels
Percent of Your Pay
Up to
Greater than
Match
Por ciento de su pago
Hasta
Mayor que
Igualar
Contributions
Errors
May 2015
Page 43 of 75
My Investments (with QDIA)
My Investments (with QDIA)
Element
Default
Investment
Massage
Default
Investment Label
Option1
Option 2
May 2015
Content
Your retirement plan has a default investment option. If
you do not make an election, the amounts withheld from
your pay will be invested in the default investment
specified by your employer.
Your retirement plan’s default investment option is:
Spanish Translation
Su plan de jubilación tiene una opción de inversión por
defecto. Si no hace su propia elección, los importes retenidos
en su nómina serán invertidos en la inversión por defecto
determinada por su empleador.
La opción de inversión por defecto de su plan de jubilación es:
Keep the Default Investment
Choose My Own Investments
Guardar la inversión por defecto.
Elegir mis propias inversiones
Page 44 of 75
My Investments (Choose My Own Investments)
Note: If you wish to pre-select a default fund on the My Investment pages, go to the Online Enrollment Options under Plan Options in Schwab
RT Administration and enable the setting
May 2015
Page 45 of 75
My Investments (Choose My Own Investments)
Element
Header
Option
Investment
election.
Content
My Investments
Your investment elections have been defaulted
• Select this option to keep the default investment
election.
Option predefined
Choose a pre-defined investment portfolio
• Choose one of the portfolios offered by your
retirement plan that best fits your profile.
• The portfolio you select will rebalance automatically
on the predetermined cycle specified.
Elija una cartera de inversión pre-definida
• Elija una de las carteras que mejor se adapte a su perfil
proporcionadas por su plan de jubilación.
• La cartera que seleccione se reequilibrará
automáticamente en el ciclo predeterminado elegido.
Option create my
own
Create my own investment portfolio
• Select how to invest your contributions to your
retirement account.
Crear mi propia cartera de inversion
• Seleccione cómo invertir sus contribuciones en su cuenta
de ahorros jubilatorios.
Error messages
Choose one of the options to proceed.
Elija una de las opciones para continuar.
You have changed investment election option. Do you
want to cancel pending investments and proceed?
Ha cambiado la opción de elección de inversión. ¿Desea
cancelar las inversiones corrientes y continuar?
You have completed this step. If you want to modify
your investment information, change the information
and click Next.
Ha terminado con este paso. Si desea cambiar información
de inversión, le rogamos ponga al día la información que
desee cambiar y haga click sobre Siguiente
May 2015
Spanish Translation
Mis Inversiones
Sus elecciones de inversión han sido predeterminadas (por
defecto)
• Seleccione esta opción para guardar la elección de
inversión predeterminada (por defecto).
Page 46 of 75
My Investments (Create Portfolio, Source Selection)
May 2015
Page 47 of 75
My Investments (Create Portfolio, Source Selection, with Pending Activity)
May 2015
Page 48 of 75
My Investments (Create Portfolio, Source Selection)
Element
Header
Sub header
Message Body
Pending Header
Pending Sub
Header
Content
Investing My Contributions
• The percentages you select will apply to how future
contributions are deposited to your account each pay
period.
• These rates will not affect your balance in each
investment.
• Choose a source from the list below to change your
investment elections within that source.
Pending Investment Elections
You have pending investment elections.
Spanish Translation
Crear mi propia cartera de inversion
Invertir mis contribuciones
• Los porcentajes que ha seleccionado afectarán sus
contribuciones futuras a su cuenta para cada paga.
• Estas tasas no afectarán su saldo en cada inversión.
• Elija una fuente del listado a continuación para cambiar sus
elecciones de inversión dentro de esta fuente.
If you want to Cancel all pending investment elections and
reselect investment elections for any source, click on
Cancel All Pending Elections.
Si desea cancelar todas las elecciones de inversión pendientes
y volver a seleccionar elecciones de inversión para cualquier
fuente, haga click sobre Cancelar todas las elecciones
pendientes.
If you want to Select Investment Elections for All Sources,
you must cancel All Pending Elections first.
Cancel Button
Error Message
Grid headers
Pending text
May 2015
Cancel All Pending Elections
Choose one source to proceed
Source Name
Completed
Pending
Elecciones de inversión pendientes
Tiene elecciones de inversión pendientes.
Si desea seleccionar Elecciones de inversión para todas las
fuentes, debe cancelar primero todas las elecciones pendientes.
Cancelar todas las elecciones pendientes
Elija una fuente para continuar
Nombre de la fuente
Terminado
Pendiente
Page 49 of 75
My Investments (Create Portfolio, Deferrals)
May 2015
Page 50 of 75
My Investments (Create Portfolio, Deferrals)
Element
Header
Sub header
Message Body
Labels
May 2015
Content
Investing My Contributions
• The percentage you select will apply to how future
contributions are deposited to your account each pay
period.
• These rates will not affect your balance in each
investment.
Contingent Redemption Fee
Spanish Translation
Crear mi propia cartera de inversión
Invertir mis contribuciones
• El porcentaje que ha seleccionado afectará sus
contribuciones futuras a su cuenta para cada paga.
• Estas tasas no afectarán su saldo en cada inversión.
Trading Policy
Política comercial
Investment Elections Unavailable.
Elecciones de inversión no disponibles
You may not change your Investment Elections at this
time due to the following reason(s):
No puede cambiar sus elecciones de inversión en este
instante, debido a lo siguiente:
Your plan limits the number of changes you may make
during a specified time period. You have reached the
limit for this time period.
Su plan tiene un límite para los cambios que se puedan
efectuar durante un cierto périodo de tiempo. Ha llegado al
límite para este périodo de tiempo.
You are blocked from investment election changes.
No tiene acceso a los cambios de elección de inversión.
Your election frequency has been exceeded.
Ha sobrepasado la frecuencia máxima de elección.
Your elections per cycle have been exceeded.
Ha sobrepasado el número máximo de elecciones por ciclo.
Comisión de reembolso contingente
Page 51 of 75
Contingent
Redemption Fee
Message
A contingent redemption fee is a fee that some funds
charge their shareholders when they redeem their shares
within a specified period time. The fee is meant to
discourage short time trading. A redemption fee is
typically used to defray fund costs associated with a
shareholder’s redemption. Investors should carefully
consider information contained in the prospectus,
including investment objectives, risks, trading restrictions,
charges and expenses.
Comisión de reembolso contingente - Una comisión de
reembolso contingente es una comisión que algunos fondos
cobran a sus accionistas cuando estos accionistas canjean
sus acciones durante un periodo de tiempo especificado.
Esta comisión es para desanimar al comercio de corto
plazo. Una comisión de reembolso se utiliza típicamente
para sufragar los costes de fondos asociados con la
redención de los accionistas. Se aconseja a los inversores
que consideren seriamente la información contenida en el
prospecto, incluyendo los objetivos de inversión, riesgos,
restricciones para comerciar, cargos y gastos.
Trading Policy
Message
Mutual fund companies may implement a trading policy in
as effort to discourage short term trading. The trading
policy may include the right of the fund company to reject
future fund transfer purchase orders. The rights of
shareholders to redeem shares of a fund are not affected
by these trading polices. Investors should carefully
consider information contained in the prospectus,
including investment objectives, risks, trading restrictions,
charges and expenses.
Política comercial - Empresas de fondos mutuos pueden
implementar una política comercial para desanimar al comercio de
corto plazo. Dentro de esta política comercial puede ser incluido el
derecho por la empresa del fondo de rechazar futuros órdenes de
compras y transferencias de fondos. Los derechos de los
accionistas de canjear acciones de un fondo no están afectadas
por estas políticas comerciales. Se aconseja a los inversores que
consideren seriamente la información contenida en el prospecto,
incluyendo los objetivos de inversión, riesgos, restricciones para
comerciar, cargos y gastos.
Grid/Table
headers
Investment Name
Current Percent
New Percent
Excessive Trading Policy
Your Redemption Amount and Estimated Fee is
Nombre de la inversión
Actual porcentaje
Nuevo porcentaje
Política de Operaciones bursátiles excesivas
El importe estimado de su comisión de reembolso
The percentages you have entered must total 100%.
Enter a valid numeric value between 0 and 100.
Portfolio Recommendation
Los porcentajes que proporcione deben de totalizar un
100%.
Teclee un valor numérico válido entre 0 y 100.
Recomendación de cartera
The following portfolio best fits your profile based on the
answers you provided:
Le recomandamos la cartera a continuación basandonos
sobre las respuestas proporcionadas en su perfil:
Redemption Fee
Information
Message
Error Messages
Portfolio
Recommend
header (Legend)
Portfolio
Recommend sub
header
May 2015
Page 52 of 75
My Investments (Create Portfolio, Cycle Option)
May 2015
Page 53 of 75
My Investments (Create Portfolio, Cycle Option)
Element
Cycle header
Message Body
Option
May 2015
Content
Portfolio Rebalance Cycle
Select a cycle to rebalance your portfolio
automatically
I would like to Rebalance automatically
Spanish Translation
Ciclo para reequilibrar la cartera
Seleccione un ciclo para reequilibrar su cartera automáticamente.
Deseo reequilibrar automáticamente.
Page 54 of 75
My Investments (Choose Predefined Portfolios)
May 2015
Page 55 of 75
My Investments (Choose Predefined Portfolio, Risk Questionnaire)
May 2015
Page 56 of 75
My Investments (Choose Predefined Portfolio)
Element
Header
Message Body
Risk Assessment
Header
Risk Assessment
Body
Compare Button
Questionnaire
Body
Questionnaire
Errors
Blank content to
allow user to enter
overview Content
May 2015
Content
Spanish Translation
Choose a predefined investment portfolio
Elija una cartera de inversión predefinida
• The portfolio you select will rebalance automatically • La cartera que seleccione se reequilibrará automáticamente en
on the predetermined cycle specified.
el ciclo predeterminado elegido.
Risk Assessment Questionnaire
Cuestionario de evaluación de riesgo
Take our risk assessment questionnaire to help
determine which portfolio is right for you.
Conteste nuestro cuestionario de evaluación de riesgo para
determinar cual cartera es la mejor para Usted.
Complete Questionnaire
Compare Portfolios
Complete the following risk assessment
questionnaire to help determine which portfolio is
right for you.
You must complete all the questions.
Contestar el cuestionario
Comparar carteras
Conteste nuestro cuestionario de evaluación de riesgo para
determinar cual cartera es la mejor para Usted.
Debe contestar todas las preguntas.
Page 57 of 75
My Investments (Choose Predefined Portfolio, Select for Comparison)
May 2015
Page 58 of 75
My Investments (Choose Predefined Portfolio, Comparison)
May 2015
Page 59 of 75
My Investments (Choose Predefined Portfolio, Comparison)
Element
Portfolio
selections header
Portfolio
selections
Message Body
Error Messages
Header
Message Body
Comparison page
error message
May 2015
Content
Spanish Translation
Portfolios
Carteras
Please choose up to three portfolios for
comparison.
Le rogamos elija hasta 3 carteras para la comparación.
Choose more than one portfolio.
Elija más de una cartera.
Cannot compare more than three portfolios at a
time.
Portfolio Comparison
• Each portfolio will rebalance automatically on the
predetermined cycle specified.
Choose one portfolio to proceed.
No se pueden comparar más de 3 carteras a la vez.
Comparación de carteras
• Cada cartera se reequilibrará automáticamente en el ciclo
predeterminado elegido.
Elija una cartera para continuar.
Page 60 of 75
My Investments (Realignment, Source Selection)
May 2015
Page 61 of 75
My Investments, Realignment (Source Selection)
Element
Header
Message Body
Content
Change/Realign My Existing Account Balance
• The new percentage you select below allows you to
make broad changes to the way your total account
balance is invested.
• There may be certain investments in your account
that cannot be changed.
• The Current Percent column may not total 100%
due to those investments that are unavailable for
change/realignment.
• Choose a source from the list below to realign
investment balances within that source.
• Any requests received by 3:00 PM EST on the
Current Business Day will typically be processed
that same day. Requests received after 3:00 PM
EST will typically take effect on the Next Business
Day.
Spanish Translation
Cambiar/reajustar mi saldo de cuenta existente
• El nuevo porcentaje que seleccione a continuación le permite
efectuar grandes cambios sobre la manera de invertir la
totalidad del saldo de su cuenta.
• Es posible que algunas inversiones en su cuenta no puedan
ser cambiadas.
• Es posible que la columna corriente de porcentajes no totalize
un 100% debido a dichas inversiones que no son disponibles
para cambiar/ reajustar.
• Elija una fuente en el listado a continuación para reajustar los
saldos de inversión dentro de esta fuente.
• Los pedidos recibidos antes de las 3 de la tarde (hora del Este)
en un dia laborable serán procesados el mismo día.
Pending Header
Pending Sub
Header
Pending Realignments
You have pending realignments.
Reajustes pendientes
Tiene reajustes pendientes
If you want to Cancel all pending realignments and
realign investment balances again click on Cancel All
Pending Realignments.
Si desea cancelar todos los reajustes pendientes y volver a
reajustar los saldos de inversión haga click sobre Cancelar todos
los reajustes pendientes.
You may not realign your portfolio at this time due to
the following reason(s):
Cancel Button
Error Message
May 2015
Realignments Unavailable.
You are blocked from realignments.
Cancel All Pending Realignments
Choose one source to proceed
No es posible reajustar su cartera en este instante debido a lo
siguiente:
Reajustes no disponibles
No tiene acceso a los reajustes.
Cancelar todos los reajustes pendientes
Elija una fuente para continuar
Page 62 of 75
My Investments, Realignment
(-------------------------- Additional fund options not shown in this sample --------------------------)
May 2015
Page 63 of 75
My Investments, Realignment
Element
Header
Message Body
Options
Grid/Table
headers
Error Messages
Content
Change/Realign My Existing Account Balance
• The new percentage you select below allows you to
make broad changes to the way your total account
balance is invested.
• There may be certain investments in your account
that cannot be changed.
• The Current Percent column may not total 100% due
to those investments that are unavailable for
change/realignment.
• Use the percentages I selected on the previous page
• Realign As Follows
Current Balance
Current Percent
New percent
Excessive Trading Policy
Choose one change/realign option to proceed.
Your plan limits the number of realignment changes you
may make during a specified time period. You have
reached the limit for this time period.
Spanish Translation
Cambiar/reajustar mi saldo de cuenta existente
• El nuevo porcentaje que seleccione a continuación le
permite efectuar grandes cambios sobre la manera de
invertir la totalidad del saldo de su cuenta.
• Es posible que algunas inversiones en su cuenta no
puedan ser cambiadas.
• Es posible que la columna corriente de porcentajes no
totalize un 100% debido a dichas inversiones que no
son disponibles para cambiar/ reajustar.
• Utilizar los porcentajes seleccionados en la página
anterior
• Reajustar segun lo siguiente
Actual saldo
Actual porcentaje
Nuevo porcentaje
Política de Operaciones bursátiles excesivas
Elija una opción de cambiar/reajustar para continuar.
Su plan tiene un límite para los cambios de reajustes que
se puedan efectuar durante un cierto périodo de tiempo.
Ha llegado al límite para este périodo de tiempo.
Teclee un número en múltiples de
Enter number in multiples of
May 2015
Page 64 of 75
My Beneficiaries
May 2015
Page 65 of 75
My Beneficiaries
Element
Header
Message Body
Grid/Table
headers
Marital status
label
Buttons content
Labels content
May 2015
Content
My Beneficiaries
Use the form below to add, modify or delete a beneficiary.
Click Next after all changes are complete.
Spanish Translation
Mis beneficiarios
Utilize el formulario a continuación para añadir, cambiar o
eliminar a un beneficiario. Haga click sobre Siguiente
después de que los cambios sean completos.
A primary beneficiary is the first person or organization to
receive the proceeds of your retirement account upon your
death. If the primary beneficiary is not living (or inactive
for an organization), the proceeds will go to the contingent
beneficiary you have designated.
Un beneficiario primario es la persona u organización que
recibirá el saldo de su cuenta de jubilación cuando Usted
fallezca. Si el beneficiario primario ha fallecido (o es inactivo
en el caso de una organización), el saldo será proporcionado
al beneficiario contingente que Usted seleccione.
If you are married and designate someone other than your
spouse as your primary beneficiary, your spouse must
consent in writing for your designation to be valid. Please
contact your Plan Administrator to obtain and submit the
appropriate documents.
Beneficiary Name
Beneficiary Type
Share Percentage
View/Edit
Delete
My Marital Status
Si Usted está casado y selecciona otra persona que su
esposo/a como beneficiario primario, su esposo/a debe
consentir por escrito para que su elección sea válida. Le
rogamos se ponga en contacto con el administrador de su
plan para conseguir y procesar los documentos necesarios.
Nombre del beneficiario
Tipo del beneficiario
Porcentaje del reparto
Ver/Editar
Eliminar
Mi estado civil
Add Beneficiary
Edit Share Percentage
Apply Changes
Cancel
Birth Date
SSN
First Name
Last Name
City
State / Region
Postal Code
My Marital Status
Añadir a un beneficiario
Editar Porcentajes de reparto
Efectuar cambios
Cancelar
Fecha de nacimiento
Número de Seguro Social
Nombre
Apellido
Ciudad
Estado / Región
Código Postal
Mi estado civil
Page 66 of 75
Alert and error
messages
May 2015
Create/Edit Beneficiary
View Beneficiary
Trust/Estate/Charity/Other
Foreign Address (Other than USA)
Relationship
Middle Initial
Share Percentage
Beneficiary Phone Number
Address (Line 1)
Address (Line 2)
Country
Trust Name
Tax ID
Trust Date
Marked for Deletion
1. Are you sure you want to delete this beneficiary? If
yes click OK to mark the beneficiary for deletion,
and then click Next on the page.
2. You cannot delete the primary beneficiary without
deleting all the contingent beneficiaries.
3. Share Percentages must be equal to 100% for
primary and 100% for any contingent
beneficiaries. Please make the appropriate
changes and click Next to save your Share
Percentages.
4. Please add a Primary Beneficiary before adding a
Contingent Beneficiary.
5. There must be at least one primary beneficiary
present.
6. You must click the Next button for your changes to
take affect.
7. Please select a beneficiary type from the list.
8. Please select a relationship from the list.
9. Please enter the first name of the beneficiary.
10. Please enter the last name of the beneficiary.
11. Please enter the Share Percentage.
12. Share percentage should be numeric.
13. Invalid share percentage.
14. Only two digits are allowed after decimal for share
percentage.
Crear/Editar beneficiarios
Ver Beneficiario
Fideicomiso/Sucesión/Obra caritativa/Otro
Dirección extranjera (Fuera de los E.E.U.U.)
Relación
Inicial del segundo nombre
Porcentaje del reparto
Número de teléfono del beneficiario
Dirección (línea 1)
Dirección (línea 2)
País
Nombre Fiduciario
Identificación fiscal
Fecha del fideicomiso
Marcado para eliminación
1. ¿Está seguro de que quiere eliminar a este beneficiario?
Si lo está, haga click sobre OK para marcar al beneficiario
para eliminación, y entonces haga click sobre Siguiente en
la página.
2. No puede eliminar el beneficiario primario sin eliminar a
todos los beneficiarios contingentes.
3. El reparto de porcentajes para los beneficiarios debe
totalizar un 100% para el primario y un 100% para los
beneficiarios contingentes. Le rogamos haga los cambios
necesarios y haga click sobre Siguiente para guardar su
reparto de porcentajes.
4. Le rogamos añada a un beneficiario primario antes de
añadir a los beneficiarios contingentes.
5. Es preciso que haya por lo menos un beneficiario primario
presente.
6. Debe de hacer click sobre Siguiente para que sus cambios
se efectuen.
7. Le rogamos seleccione un tipo de beneficiario en el listado.
8. Le rogamos seleccione una relación en el listado.
9. Le rogamos teclee el nombre del beneficiario.
10. Le rogamos teclee el apellido del beneficiario.
11. Le rogamos teclee el reparto de porcentaje.
12. El reparto de porcentaje debe de ser numérico.
13. Porcentaje de reparto no es válido.
14. Sólo se permiten 2 dígitos después del decimal para el
Page 67 of 75
15.
16.
17.
18.
19.
20.
21.
22.
Please enter the trust name.
Invalid trust date.
Invalid birth date.
Please enter address.
Please enter city.
Please select a state.
Please select United States as your country.
Please select a country other than the United
States.
23. Please enter zip.
24. Please enter a state.
25. Add Beneficiaries to proceed
No beneficiary
messages
May 2015
No beneficiary found. Click on Add.
porcentaje de reparto.
15. Le rogamos teclee el nombre del fideicomiso.
16. Esta fecha de fideicomiso no es válida.
17. Esta fecha de nacimiento no es válida.
18. Por favor, introduzca la dirección
19. Por favor introduzca la ciudad
20. Le rogamos seleccione un estado.
21. Le rogamos seleccione los Estados Unidos como su país.
22. Le rogamos seleccione otro país (que no sean los
E.E.U.U.)
23. Le rogamos seleccione un código postal.
24. Le rogamos seleccione un estado
25. Añada a los beneficiarios para continuar.
No se encontraron beneficiarios. Haga click sobre Añadir.
Beneficiary button to create new primary beneficiary.
Icono Beneficiario para crear un nuevo beneficiario primario.
No beneficiary found.
No se encontraron beneficiarios.
Contact Plan Administrator
Contactar al Administrador del Plan
Page 68 of 75
My eDelivery
Update: With the April, 2011 release, My eDelivery now appears as the first step in the process (if enabled).
May 2015
Page 69 of 75
My eDelivery
Element
Header
Message Body
Option
headers
Error Messages
May 2015
Content
My eDelivery Options
Choose your notification and delivery preference for
each option
Statements
Email
US Mail
Choose one notification option
Spanish Translation
Mis opciones de e-entrega (entrega electrónica)
Elija su manera preferida de aviso y entrega para cada opción
Extractos de cuenta
Correo electrónico
Correo de los EE.UU.
Elija una opción de aviso
Page 70 of 75
Summary (Before Enrollment Completion)
May 2015
Page 71 of 75
Summary (After Enrollment Completion)
May 2015
Page 72 of 75
Summary
Element
Header
Message Body
Other content
Content
Online Enrollment Summary
• Verify your selection in each section.
• To make changes, select Edit.
• Select Enroll Me to complete your enrollment.
• Select Cancel to cancel your enrollment.
Realign Existing Balance
Spanish Translation
Resumen de matrícula en línea
• Confirme su selección para cada sección.
• Para hacer cambios, seleccione Editar.
• Seleccione Matricúleme para completar su matrícula.
• Seleccione Cancelar para cancelar su matrícula.
Reajustar el saldo existente
I agree that my enrollment information is correct.
Confirmo que la información de mi matrícula es correcta.
You must complete all required Steps.
Es preciso que complete todos los pasos requeridos.
Do you want to cancel and start enrollment process
again?
¿Quiere cancelar y volver a empezar el proceso de matrícula?
Su matrícula está completa.
Enrollment completed successfully.
Su auto-matrícula ha sido cancelada.
Your auto-enrollment has been cancelled.
Haga click sobre editar para completar.
Click edit to complete.
Labels
May 2015
Activity requested before cutoff time cannot be modified
after the cutoff time.
• Source
• Contribution Type
• Amount/Percentage
• Email and US Mail
• Email Only
• US Mail Only
• Percentage
Las actividades requeridas antes del tiempo límite no pueden
ser cambiadas después del tiempo límite.
•
•
•
•
•
•
•
Fuente
Contribución Tipo
Cantidad/Porcentaje
Dirección electrónica y de correos
Sólo Dirección electrónica
Sólo correo de EE.UU.
Porcentaje
Page 73 of 75
Investment Performance
This page is available from a link in the header that appears at the top of all enrollment pages (optional by plan; appears only if enabled).
May 2015
Page 74 of 75

Online Enrollment (OLE)

Transcripción

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