nyc deferred comp loan

( )Tj BT /TT4 1 Tf EMC -8.2993 2.6692 -8.5417 4.2705 v BT -.2239 .5401 -.6574 .9166 -1.2997 1.129 c /P <>BDC /P <>BDC [(R)12.2(esignation/T)54.2(ermination/Member)-12.2(ship T)50.8(ransf)8.8(er)]TJ EMC 39.275 0 l BT .025 Tw BT BT f BT [(withdra)13.2(w)13.2(al will be reduced. .025 Tw 2.0151 9.8824 2.1275 9.6529 2.1275 9.1954 c .025 Tw 0 Tw -5.0684 .3798 -9.123 2.344 v .025 Tw BT .025 Tw ET BT [(pa)13.2(yroll deductions)38.1(. ET /P <>BDC 12 0 0 12 266.0559 149.7634 Tm 2.5616 2.5618 l .025 Tw (amount described in restriction )Tj ET BT EMC /P <>BDC [(F)38.1(or any additional QPP loan balance)13.2(, monthly pa)13.2(yments)]TJ ET 0 Tw [(Y)68.8(ork City or New Y)68.8(ork State public retirement system)]TJ 0 Tw .8287 -1.4306 .4574 -1.3409 .0558 -1.2128 c 12 0 0 12 28 719.1543 Tm 10 0 0 10 61.4523 140.6868 Tm 43.154 0 l EMC EMC EMC /P <>BDC /TT12 1 Tf 12 0 0 12 202.6185 465.3294 Tm 0 Tw /P <>BDC EMC ET BT If)-130.9( y)13.2(ou w)24.9(ould)]TJ 12 0 0 12 29.6567 239.4494 Tm 0 Tw EMC EMC 0 Tw /P <>BDC BT BT [(balance will be recalculated. /P <>BDC EMC ( )Tj 0 Tw 0 Tw 12 0 0 12 419.1187 164.0502 Tm /P <>BDC BT 12 0 0 12 574.1427 220.0503 Tm Q -.3165 -.95 0 0 v BT /P <>BDC ( )Tj /Artifact <>BDC [(If)-130.9( y)13.2(ou ha)13.2(v)19(e)0( an outstanding loan balance at)]TJ 0 Tw BT /P <>BDC /P <>BDC /Artifact <>BDC 12 0 0 12 263.2576 615.1783 Tm ET 12 0 0 12 28 677.1543 Tm ( )Tj ( )Tj [(TRS recei)13.2(v)19(es y)13.2(our pa)13.2(yment and written request, y)13.2(our loan)]TJ <>stream -.8611 .3734 -1.0094 .5522 -1.0244 .5674 c ET [(QPP loans m)13.2(ust be tak)13.2(en in m)13.2(ultiples of)-130.9( $10. .025 Tw /P <>BDC 12 0 0 12 281.0716 291.2982 Tm f /P <>BDC 8.3528 3.0245 8.6475 2.5873 8.6475 2.1704 c /P <>BDC .025 Tw /P <>BDC EMC EMC BT 12 0 0 12 278.3701 705.1542 Tm f /P <>BDC 12 0 0 12 435.7911 642.5977 Tm q -3.0575 3.2029 0 0 v )Tj .025 Tw EMC .025 Tw ET /P <>BDC EMC [( belo)13.2(w)112.8(. /P <>BDC Q EMC ET ET BT 12 0 0 12 275.0654 719.1543 Tm 27 147.702 558 608.298 re .025 Tw 208.19 112.208 -74.99 -40.28 re q 1 0 0 1 316.8 412.993 cm 0 0 m /P <>BDC /P <>BDC ( )Tj /P <>BDC -1.205 -.7763 -1.5526 -.4288 -1.5526 0 c 5.1004 -7.7597 5.12 -7.7645 5.15 -7.7737 c W n 12 0 0 12 340.0738 671.1782 Tm EMC 12 0 0 12 288.6486 226.6697 Tm EMC ( )Tj 0 0 0 1 k .025 Tw .025 Tw -1.0303 1.6227 l .025 Tw /P <>BDC BT /P <>BDC .025 Tw )]TJ ET 12 0 0 12 550.6467 258.4517 Tm 12 0 0 12 316.8 629.5953 Tm ET 12 0 0 12 122.275 319.2982 Tm 0 Tc ( )Tj EMC 12 0 0 12 137.3012 221.2983 Tm /P <>BDC ( )Tj EMC 12 0 0 12 46.25 291.2982 Tm 0 Tw ET -.104 2.4587 .0468 2.6392 .3483 2.6392 c /TT4 1 Tf EMC ET /P <>BDC BT [(responsible for any interest c)13.2(harg)-15.1(es that accr)-32.2(ue during)]TJ q 1 0 0 1 316.8 744.097 cm 0 0 m ET 12 0 0 12 578.4496 649.1543 Tm BT BT [(issuance of)-130.9( y)13.2(our loan. /P <>BDC /Artifact <>BDC /P <>BDC [(after the g)-24.9(race period in order to a)13.2(v)19(oid defaulting on)]TJ EMC BT 12 0 0 12 339.175 547.2263 Tm EMC 8.0972 8.2551 l Q [(submit full re)-12.2(pa)13.2(yment of)-130.9( the total outstanding balance)]TJ 0 Tw ET EMC [(defaulted loan balance to TRS within this 30-da)13.2(y period,)]TJ EMC ( )Tj 12 0 0 12 28 663.1542 Tm EMC ET [(deduct the appropriate amounts from y)13.2(our pa)13.2(yc)13.2(hec)13.2(ks)]TJ 0 Tc ( )Tj 0 Tw EMC ( )Tj -6.4198 -6.7341 l .025 Tw )0( )]TJ -2.1535 -.6339 -3.8009 .0629 v /TT4 1 Tf .025 Tw 0 Tw 12 0 0 12 316.8 394.4674 Tm -5.9248 -.266 -6.1138 -1.089 -6.1138 -2.0957 c 3.6851 8.8563 5.1495 9.5709 6.5228 9.5709 c 2.4255 6.9683 2.5702 6.823 2.861 6.823 c ET 0 Tc 0 Tw /P <>BDC BT [(the balance is insured, up to a maxim)13.2(um of)-130.9( $10,000. /P <>BDC 1.2365 .2997 0 0 v BT [(\(Ho)13.2(w)13.2(e)0(v)19(e)0(r)24.9(,)0( par)-20(tial pa)13.2(yments will not stop pa)13.2(yroll)]TJ EMC 0 Tw ET EMC .025 Tw 12 0 0 12 155.2103 273.4254 Tm 0 Tw /P <>BDC EMC ET /P <>BDC 0 Tw .025 Tw 12 0 0 12 566.2363 621.1542 Tm BT ET ( )Tj 2.8344 .7838 2.4257 -.0036 2.4257 -1.5786 c 12 0 0 12 562.7688 747.1542 Tm ( )Tj -4.416 1.8444 -5.2411 2.718 v /P <>BDC ET EMC /P <>BDC ET BT ET /P <>BDC 3.0092 -7.183 1.7957 -4.6596 v 10 0 0 10 456.4963 101.502 Tm ET 0 Tw 12 0 0 12 335.148 525.6194 Tm EMC /P <>BDC EMC ( )Tj .3803 6.3357 2.7241 7.6649 v BT ( )Tj ET ET 0 Tw ET /P <>BDC 12 0 0 12 316.8 119.7634 Tm EMC 3.5426 11.308 5.1445 11.259 v EMC /P <>BDC EMC 6.203 6.324 l EMC EMC Q Q 12 0 0 12 562.4396 491.2263 Tm EMC 12 0 0 12 563.0813 176.4996 Tm ET (section\). 12 0 0 12 28 239.3463 Tm BT q 1 0 0 1 28 745.298 cm 0 0 m 0 Tw EMC EMC /P <>BDC ( )Tj 12 0 0 12 557.726 286.4517 Tm Q /P <>BDC [(notify TRS immediatel)-9.8(y)85(. 12 0 0 12 278.2602 553.2023 Tm /TT6 1 Tf EMC 6.7771 6.5884 5.8906 5.701 v .025 Tw .025 Tw EMC ET W n EMC ( )Tj -15.047 4.1554 -11.679 7.5237 -7.5237 7.5237 c .025 Tw BT ET -.1992 2.3141 0 1.9433 0 1.4067 c EMC 0 Tw ET EMC [(recei)13.2(v)19(e)0( y)13.2(our loan via EFT if)-130.9( y)13.2(ou are paid on the City)]TJ 12 0 0 12 316.8 353.1473 Tm 0 Tw [(TRS issues loans eac)13.2(h W)82(ednesda)13.2(y; the funds are a)13.2(v)19(ailable)]TJ 12 0 0 12 28.3984 649.5714 Tm 12 0 0 12 335.05 479.6914 Tm /P <>BDC 0 0 0 .45 k /P <>BDC EMC 0 0 l 0 4.8379 l BT /P <>BDC EMC ET /TT12 1 Tf ET BT .025 Tw 12 0 0 12 560.0104 588.9896 Tm EMC ( )Tj The value of my money now may be different in retirement. .025 Tw BT q 1 0 0 1 29.657 531.855 cm 0 0 m .025 Tw 0 0 0 0 k ( )Tj .0186 Tw W n ET EMC )]TJ /P <>BDC ET EMC BT 12 0 0 12 28.3984 211.7634 Tm Q 11.5 0 0 11.5 326.6284 300.4517 Tm /P <>BDC [(calculated. BT ET [(mak)13.2(e online pa)13.2(yments to TRS)38.1(. EMC 6.608 1.1638 6.4376 1.2946 6.4376 1.5176 c BT BT ET /P <>BDC BT 12 0 0 12 276.6885 628.5977 Tm /P <>BDC ET ( )Tj -.1293 -1.311 0 -.7689 0 0 c [(y)13.2(our defaulted balance)19(. 12 0 0 12 545.1788 559.5953 Tm BT 12 0 0 12 315 428.6456 Tm -1.7468 -.5825 -2.9118 -.534 v EMC ( )Tj 0 0 l 12 0 0 12 38.8 505.2263 Tm .025 Tw ( )Tj ET .4537 2.0218 .5842 1.8686 .659 1.5617 c -.0047 Tc 0 Tw ET 1.5437 7.5706 1.6298 7.3947 1.6298 7.0442 c ( )Tj -9.9102 9.9102 l ET [(y)13.2(our loans)38.1(. 12 0 0 12 47.9067 383.3774 Tm 12 0 0 12 567.142 234.0502 Tm 12 0 0 12 28.8274 571.2823 Tm EMC Save or instantly send your ready documents. /P <>BDC EMC .025 Tw 0 Tw BT BT BT [(pa)13.2(yroll, and Char)-20(ter Sc)13.2(hool members)30.8(, cannot recei)13.2(v)19(e)]TJ [(lump-sum pa)13.2(yment, please submit a c)13.2(hec)13.2(k pa)13.2(yable to the)]TJ /P <>BDC /P <>BDC EMC 12 0 0 12 315.8285 486.3797 Tm ( )Tj EMC 0 Tw Q 12 0 0 12 316.0983 489.1783 Tm EMC EMC 12 0 0 12 38.8 567.2023 Tm BT ET 12 0 0 12 561.3903 458.3796 Tm ET ET ET Q ET -13.379 13.379 l ( )Tj 12 0 0 12 511.1829 282.0263 Tm ET 12 0 0 12 549.1992 444.3797 Tm /P <>BDC BT /P <>BDC 12 0 0 12 46.25 527.2502 Tm EMC 12 0 0 12 555.8064 712.5977 Tm 12 0 0 12 315.8285 382.4037 Tm EMC /P <>BDC [(before deter)-37.1(mining the amount y)13.2(ou ma)13.2(y bor)-24.9(ro)13.2(w from)]TJ 3.6007 1.8671 3.7615 1.7512 3.7811 1.5192 c /P <>BDC /P <>BDC 0 0 0 1 k /TT4 1 Tf /P <>BDC [(QPP loans)38.1(. 12 0 0 12 259.8357 397.6914 Tm 0 0 0 1 k /P <>BDC BT 12 0 0 12 293.6572 463.2262 Tm -4.6237 -28.065 .4439 -19.956 y 12 0 0 12 293.3376 263.2983 Tm If)-130.9( y)13.2(ou are)]TJ /P <>BDC BT ET ( )Tj ET 0 Tw BT 0 Tw 1.7695 8.2516 2.615 8.4899 3.6434 8.4899 c /P <>BDC [(par)-20(tial lump-sum pa)13.2(yment to reduce y)13.2(our loan balance)19(. 12 0 0 12 316.8 649.5714 Tm EMC ET /P <>BDC ET EMC ET [(re)-12.2(pa)13.2(yment amount and pa)13.2(yment instr)-32.2(uctions)38.1(. BT BT 12 0 0 12 315.8285 444.3797 Tm BT EMC 12 0 0 12 573.4835 471.0136 Tm BT [(indicated on y)25.9(our loan statement, or if)-155.8( they ar)-9.8(e)]TJ ( )Tj /Artifact <>BDC ( )Tj EMC ET BT BT ET EMC BT [(with no outstanding QPP loan, the minim)13.2(um loan)]TJ EMC /P <>BDC [(T)56.1(eac)13.2(hers R)24.9(etirement System of)-130.9( the City of)-130.9( New Y)68.8(ork)]TJ ET 8.8327 -5.1446 7.8616 -6.1638 v /TT24 1 Tf BT /Artifact <>BDC /P <>BDC ET 2.8886 1.0301 2.7731 .9412 2.5494 .8966 c 12 0 0 12 28 677.1543 Tm BT 0 Tw [(T)69.8(eachers)74.2( Retirement System of the City of New )37.1(Y)100.1(ork)]TJ 0 Tw BT /P <>BDC ET 12.616 -3.4062 12.176 -3.3788 11.588 -3.3253 c EMC [(the unpaid balance)19(. f 0 Tw /P <>BDC 0 Tw [(abo)13.2(v)19(e)0( occurs)30.8(, TRS will request that y)13.2(ou submit full)]TJ 10 0 0 10 564.5298 140.6868 Tm 0 Tw Please see y)13.2(our Quar)-20(terly Account Statement)]TJ EMC .2794 1.3472 .5664 1.3311 .7604 1.3311 c ET EMC 0 0 0 1 K EMC ET EMC /P <>BDC BT .025 Tw /P <>BDC ( )Tj EMC 12 0 0 12 556.4359 733.1543 Tm /P <>BDC EMC .025 Tw kp[ZwXh,3/j=TTVb+Zaf;$Pl*Ri]|e KF"mxIGgBMxov L{Bo\-"lYyd_m xW -2.2291 1.5956 -3.2896 2.0229 -4.5197 2.0229 c EMC /P <>BDC f ET /P <>BDC Retirement plans may offer loans to participants, but a plan sponsor is not required to include loan provisions in its plan. EMC EMC ET 6.3369 1.3658 6.5798 1.3532 6.7431 1.3532 c EMC BT -10.834 3.4843 -11.15 5.5746 v BT ET /P <>BDC BT 12 0 0 12 295.9315 287.4254 Tm S ( )Tj ET .025 Tw ET EMC /P <>BDC /Artifact <>BDC ET 0 J 0 j .75 w 10 M [] 0 d EMC ( )Tj BT ET ( )Tj BT ( )Tj /TT10 1 Tf .025 Tw EMC EMC [(y)13.2(ou recei)13.2(v)19(e)0( directly)82(. /P <>BDC 5.8534 -1.9476 l 0 Tw 12 0 0 12 28 649.1543 Tm [(unexpectedl)-9.8(y inter)-33.2(r)-33.2(upted, y)25.9(ou must notify TRS)]TJ -.0047 Tc /P <>BDC 0 792.015 612 -792 re EMC -7.3627 0 -8.0572 .6943 -8.0572 1.5429 c .025 Tw f BT ( )Tj 7.6629 -3.4062 7.5505 -3.2991 7.5505 -3.0844 c 12 0 0 12 275.6196 193.2743 Tm 12 0 0 12 560.9169 225.2263 Tm 12 0 0 12 332.3771 471.0136 Tm 8.9878 1.7664 9.2649 1.7828 9.6353 1.8167 c .025 Tw [(of)-130.9( F)38.1(o)0(r)-37.1(m/Application/Online Filing \(code MI5\) or )]TJ 91.818 0 l ET <>stream EMC .025 Tw .025 Tw 12 0 0 12 28 699.4982 Tm /P <>BDC 12 0 0 12 28 733.1543 Tm /P <>BDC [(minim)13.2(um amount of)-130.9( $10. 0 Tw -.7683 1.4304 -.4813 1.4136 -.1011 1.3805 c .025 Tw /P <>BDC ET 12 0 0 12 582.1326 259.7634 Tm f 59.004 0 l /P <>BDC 2.3442 -.76 3.1042 -2.1545 v )Tj [(quar)-20(terly pa)13.2(yments)38.1(. ET /P <>BDC ET /TT4 1 Tf ET BT .025 Tw ET 12 0 0 12 28 193.2743 Tm /P <>BDC /P <>BDC EMC ( )Tj BT -.0047 Tc /TT10 1 Tf EMC 12 0 0 12 315 512.6456 Tm 0 Tw .025 Tw ET EMC -.8442 8.7515 -.3491 8.9611 .5187 9.3413 c /TT4 1 Tf Q 0 0 0 0 k 12 0 0 12 323.3285 354.4036 Tm 0 Tw 12 0 0 12 316.8 192.0502 Tm ET 0 Tw ET [(If)-130.9( any of)-130.9( the abo)13.2(v)19(e)0( occurs)30.8(, TRS will request that y)13.2(o)0(u)]TJ <>/ExtGState<>>> /P <>BDC 12 0 0 12 46.25 375.2983 Tm 0 Tw EMC 12 0 0 12 577.4569 698.9415 Tm BT ( )Tj endobj .025 Tw BT ET ET EMC 12 0 0 12 28 670.5977 Tm 12 0 0 12 316.8 321.7633 Tm BT BT ET /P <>BDC 12 0 0 12 285.6508 691.1543 Tm ET /P <>BDC EMC .025 Tw ET /P <>BDC 0 Tw EMC BT 0 Tw ( )Tj ( )Tj EMC -.0047 Tc /P <>BDC /P <>BDC /TT4 1 Tf [(re)-12.2(paid to TRS)38.1(. 12 0 0 12 574.2601 607.1543 Tm ET EMC BT (7)Tj 0 Tw ET EMC 12 0 0 12 315 498.6457 Tm EMC EMC EMC 0 0 0 1 K -3.8811 1.0717 -3.0123 1.9406 -1.9406 1.9406 c ET EMC If you have separated from service with New York State or a participating employer, you must begin receiving payments no later than April 1 following the close of the calendar year in which you turn age 72. BT Q /P <>BDC /P <>BDC ET ET .025 Tw .025 Tw BT W n ET 0 Tw 0 792 612 -792 re ( )Tj ( )Tj f 12 0 0 12 270.4984 553.2023 Tm EMC /P <>BDC endobj ET ET 4.8051 -5.4846 8.6872 .7276 y EMC Yes N o . [(Please note that y)25.9(our loan may not be r)-9.8(etur)-41(ned after)]TJ ET Q ET 8.0972 7.5973 7.9661 7.4861 7.7025 7.4861 c ET 0 Tw /GS1 gs /P <>BDC BT ET ( )Tj /Artifact <>BDC /P <>BDC 12 0 0 12 38.8 589.2263 Tm ( )Tj 13.5 0 0 13.5 491.5171 745.5474 Tm /P <>BDC ET ( )Tj .025 Tw )]TJ 3.7367 -15.899 l /P <>BDC 6.4542 -.0485 4.7555 -1.1644 v EMC EMC EMC 12 0 0 12 316.8 151.9954 Tm [(an in-ser)-39.1(vice member)24.9(, loans are nor)-37.1(mally re)-12.2(paid through)]TJ BT EMC EMC [(retirement and y)13.2(ou tak)13.2(e a new loan, TRS is required)]TJ .025 Tw [(be subject to federal income tax)19(es and ma)13.2(y be)]TJ .025 Tw EMC .025 Tw /P <>BDC /P <>BDC 12 0 0 12 283.5056 361.2983 Tm BT endstream ET /P <>BDC 3 Table of Contents 6 Why You Need to Invest for Retirement 6 Why Joining the Plan May Be a Sound . .025 Tw /GS1 gs EMC EMC /P <>BDC -.3476 .7761 0 .4287 0 0 c -.2077 -.3925 -.3489 -.2515 -.5787 .0317 c EMC /P <>BDC [(Lea)12.2(ving A)6.8(ctiv)8.8(e Ser)-23.9(vice)]TJ EMC q 1 0 0 1 275.443 663.404 cm 0 0 m .025 Tw 12 0 0 12 266.0759 553.5222 Tm 0 Tw 0 Tw .025 Tw [(retirement system. EMC BT BT /P <>BDC Y)68.8(ou can)]TJ 12 0 0 12 316.0983 649.1543 Tm /P <>BDC EMC EMC 12 0 0 12 268.6048 449.2263 Tm .025 Tw /P <>BDC Q EMC .025 Tw 12 0 0 12 316.0983 349.1783 Tm 12 0 0 12 119.0031 431.6674 Tm W n BT ( )Tj /P <>BDC EMC .1903 -1.6459 .064 -9.756 v EMC /P <>BDC ( )Tj The NYC DCP mobile app was designed for you - to meet you where you are - so you can help boost your retirement savings and manage your money all while on the go. ET 4.5605 2.7252 5.701 2.028 v /P <>BDC BT /P <>BDC /P <>BDC ( )Tj 0 Tw ET 12 0 0 12 275.7978 477.2263 Tm )]TJ BT /P <>BDC ( )Tj .025 Tw ( )Tj ET (no later than the 15)Tj 12 0 0 12 577.907 291.0616 Tm ( )Tj BT .025 Tw ET ET 247 0 obj ( )Tj .025 Tw BT 0 Tw EMC BT the New York State Deferred Compensation Board (the "Board") and managed by professional staff. 0 Tw EMC ( )Tj
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