Online Enrollment (OLE)
Transcripción
Online Enrollment (OLE)
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 Schwab Retirement Technologies Page 4 of 75 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. May 2015 Schwab Retirement Technologies Page 5 of 75 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. May 2015 Schwab Retirement Technologies Page 6 of 75 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 May 2015 Schwab Retirement Technologies Page 7 of 75 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. May 2015 Schwab Retirement Technologies Page 8 of 75 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 SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: Third Party Enrollment SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: May 2015 Schwab Retirement Technologies Page 9 of 75 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 SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: May 2015 Schwab Retirement Technologies Page 10 of 75 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. May 2015 Schwab Retirement Technologies Page 11 of 75 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. May 2015 Schwab Retirement Technologies Page 12 of 75 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. May 2015 Schwab Retirement Technologies Page 13 of 75 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.” May 2015 Schwab Retirement Technologies Page 14 of 75 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.” Schwab Retirement Technologies Page 15 of 75 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. May 2015 Schwab Retirement Technologies Page 16 of 75 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. May 2015 Schwab Retirement Technologies Page 17 of 75 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. May 2015 Schwab Retirement Technologies Page 18 of 75 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. May 2015 Schwab Retirement Technologies Page 19 of 75 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. May 2015 Schwab Retirement Technologies Page 20 of 75 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. May 2015 Schwab Retirement Technologies Page 21 of 75 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. May 2015 Schwab Retirement Technologies Page 22 of 75 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). May 2015 Schwab Retirement Technologies Page 23 of 75 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. May 2015 Schwab Retirement Technologies Page 24 of 75 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. May 2015 Schwab Retirement Technologies Page 25 of 75 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 Schwab Retirement Technologies Page 26 of 75 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. May 2015 Schwab Retirement Technologies Page 27 of 75 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 Schwab Retirement Technologies Page 28 of 75 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 Schwab Retirement Technologies Page 29 of 75 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 Schwab Retirement Technologies Page 30 of 75 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. Schwab Retirement Technologies Page 31 of 75 Start (ACA) May 2015 Schwab Retirement Technologies Page 32 of 75 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. Schwab Retirement Technologies 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. Schwab Retirement Technologies Page 34 of 75 My Information May 2015 Schwab Retirement Technologies 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. Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies Page 38 of 75 My Contributions May 2015 Schwab Retirement Technologies Page 39 of 75 My Contributions, With Catchup May 2015 Schwab Retirement Technologies Page 40 of 75 My Contributions, With Catchup (cont.) May 2015 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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). Schwab Retirement Technologies Page 46 of 75 My Investments (Create Portfolio, Source Selection) May 2015 Schwab Retirement Technologies Page 47 of 75 My Investments (Create Portfolio, Source Selection, with Pending Activity) May 2015 Schwab Retirement Technologies Page 48 of 75 My Investments (Create Portfolio, Source Selection) Element Header Sub header Message Body Pending Header Pending Sub Header Content Create my own investment portfolio 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 Schwab Retirement Technologies Page 49 of 75 My Investments (Create Portfolio, Deferrals) May 2015 Schwab Retirement Technologies Page 50 of 75 My Investments (Create Portfolio, Deferrals) Element Header Sub header Message Body Labels May 2015 Content Create my own investment portfolio 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 Schwab Retirement Technologies 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 Contingent Redemption Fee Excessive Trading Policy Your Redemption Amount and Estimated Fee is Nombre de la inversión Actual porcentaje Nuevo porcentaje Comisión de reembolso contingente 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 Schwab Retirement Technologies Page 52 of 75 My Investments (Create Portfolio, Cycle Option) May 2015 Schwab Retirement Technologies 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. Schwab Retirement Technologies Page 54 of 75 My Investments (Choose Predefined Portfolios) May 2015 Schwab Retirement Technologies Page 55 of 75 My Investments (Choose Predefined Portfolio, Risk Questionnaire) May 2015 Schwab Retirement Technologies 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 • Choose one of the portfolios offered by your • Elija una de las carteras que mejor se adapte a su perfil retirement plan that best fits your profile. proporcionadas por su plan de jubilación. • 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. Schwab Retirement Technologies Page 57 of 75 My Investments (Choose Predefined Portfolio, Select for Comparison) May 2015 Schwab Retirement Technologies Page 58 of 75 My Investments (Choose Predefined Portfolio, Comparison) May 2015 Schwab Retirement Technologies 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 • Choose one of the portfolios offered by your retirement plan that best fits your profile. • 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 • Elija una de las carteras que mejor se adapte a su perfil proporcionadas por su plan de jubilación. • Cada cartera se reequilibrará automáticamente en el ciclo predeterminado elegido. Elija una cartera para continuar. Schwab Retirement Technologies Page 60 of 75 My Investments (Realignment, Source Selection) May 2015 Schwab Retirement Technologies 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 Schwab Retirement Technologies Page 62 of 75 My Investments, Realignment (-------------------------- Additional fund options not shown in this sample --------------------------) May 2015 Schwab Retirement Technologies 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 Contingent Redemption Fee 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 Comisión de reembolso contingente 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 Schwab Retirement Technologies Page 64 of 75 My Beneficiaries May 2015 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies Page 70 of 75 Summary (Before Enrollment Completion) May 2015 Schwab Retirement Technologies Page 71 of 75 Summary (After Enrollment Completion) May 2015 Schwab Retirement Technologies 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 Schwab Retirement Technologies 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 Schwab Retirement Technologies Page 74 of 75