Common use of For More Information Clause in Contracts

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

For More Information. To obtain more information concerning the rules governing this SEP, please contact The Dreyfus Corporation at 144 Glenn Curtiss Boulevard, ▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇56-0144 [(800) 358-0910]. IF YOU ARE ▇▇ ▇▇▇▇▇▇▇▇▇▇▇ Boulevard, Uniondale, NY 11556-0144 [(▇▇▇) ▇▇▇-▇▇▇▇]. IF YOU ARE ESTABLISHING A ▇ SEP, A SAR-SEP, OR A SEP/SAR-SEP, THIS MUST BE DISTRIBUTED TO EMPLOYEES. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP OR, IF LATER, AT THE TIME THEY ARE EMPLOYED. A Simplified Employee Pension, or SEP, is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved in more complex retirement plans. Under a SEP an employer makes contributions directly to each employee's Individual Retirement Account or Annuity (IRA). The IRA to which the e▇▇▇). The oyer con▇▇▇ to which the employer contributes ▇butes is referred to as a SEP-▇▇▇SEP-IRA. An employer who signs a SEP ▇▇P agreement is not statutorily required to make any contribution to the SEP-IRAs of eligible employees. However, if any contribution is made, the contribution may not discriminate in favor of officers, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked for the employer for some period of time (however short) in any three of the immediately preceding five calendar years, are eligible to receive SEP contributions. Certain nonresident aliens, and certain union employees who have already negotiated with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 (adjusted for the cost of living) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding of what a SEP is and how it works. If your employer's SEP permits you to make elective deferral contributions, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown in the white pages of the local telephone directory.

For More Information. To obtain more information concerning the rules governing this SEPIf I have questions about Your business continuity plan, please contact The Dreyfus Corporation at ▇I may write to Commonwealth Financial Network, ▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇▇ Boulevard, UniondaleWaltham, NY 11556-0144 [(MA 02453, Attn: Director of Business Continuity, or call ▇▇▇) .▇▇▇-.▇▇▇▇]. IF YOU ARE ESTABLISHING A SEPRollovers to IRAs‌ I understand that if I have the option to roll over money into an IRA from an employer-sponsored plan, A SARsuch as a 401(k) or 403(b) plan, I may also have the option to leave the money in my current plan or roll it into a new employer-SEPsponsored plan. The benefits of leaving money in an employer-sponsored plan may include access to lower-cost mutual fund share classes that may be unavailable to me outside of the plan, OR A SEP/SARaccess to investment planning tools and other educational materials, the potential for penalty-SEPfree withdrawals if I terminate my employment between ages 55 and 59½, THIS MUST BE DISTRIBUTED TO EMPLOYEEStypically broader protection from creditors and legal judgments under federal law, and the ability to postpone required minimum distributions beyond age 72 if I remain employed. THESE QUESTIONS AND ANSWERS MUST BE PROVIDED TO ALL EMPLOYEES WHEN YOU ADOPT YOUR SEP ORDepending on the amount of administrative fees and expenses charged by my retirement plan, IF LATERI understand that the administrative fees and expenses for an IRA will almost always be greater. I also understand that Commonwealth and my financial advisor will earn compensation as a result of a rollover, AT THE TIME THEY ARE EMPLOYEDwhich otherwise would not be earned in the absence of such rollover. A Simplified Employee PensionI understand this list of considerations is not exhaustive. My decision as to whether to roll over my assets from an employer-sponsored plan into an IRA should be discussed with my financial advisor and my tax professional. If my retirement plan account holds significantly appreciated employer stock, I will carefully consider, and seek counsel from a qualified tax professional as may be appropriate, regarding the negative tax implications of transferring the stock to an IRA versus the risk of being overly concentrated in employer stock. If a Commonwealth advisor provides investment advice to the employer sponsoring my retirement plan, the advisor may have provided investment assistance to me and other participants in connection with these plan services. In this case, I understand that Commonwealth will only provide rollover IRA services to me if I am able to make certain acknowledgments. By accepting rollover IRA services from a Commonwealth advisor who is also the advisor to my employer’s retirement plan, I acknowledge and agree that (i) Commonwealth separately offers personal investment-related services to individuals that are unrelated to its services as the plan’s advisor, such as recommending investments for an individual’s brokerage account or IRA; (ii) I have decided to take a rollover distribution from the plan; (iii) the advisor and Commonwealth are not offering these IRA-related services in a fiduciary or any other capacity on behalf of the plan, and the fee for these personal services is payable individually by me or through my IRA and not by the plan or the plan sponsor; and (iv) the plan sponsor has not encouraged me to engage Commonwealth for any IRA-related services, and I am not limited to working with Commonwealth when arranging for IRA-related services or any other personal services. Recommendations by a Commonwealth advisor to roll over, transfer, or SEPdistribute assets from a plan or IRA that meet the definition of “investment advice” under the Employee Retirement Income Security Act of 1974 (“ERISA”), is an arrangement through which employers can make contributions toward their employees' retirement income without becoming involved in more complex retirement plansas amended, will comply with one of the ERISA prohibited transaction exemptions, as applicable, and be paid for by compensation that does not vary depending on the investment recommended. Under If I Have a SEP an employer makes contributions directly Complaint Relating to each employee's Individual Retirement Account or Annuity (the Account(s) I Hold at Commonwealth Complaints may be forwarded to: Attn: Legal Department Commonwealth Financial Network ▇▇ ▇▇▇). The ▇▇▇ to which the employer contributes is referred to as a SEP-▇▇▇. An employer who signs ▇ Waltham, MA 02453-3483 800.251.0080, x9603 ERISA Section 408(b)(2) Disclosures‌ This disclosure includes a SEP agreement is not statutorily required to make any contribution to the SEP-IRAs of eligible employees. However, if any contribution is made, the contribution may not discriminate in favor of officers, shareholders, or highly compensated employees. The participation requirements that the employer may impose cannot be more restrictive than the law provides, but can be less restrictive. The law provides that all employees who are at least 21 years old and have worked for the employer for some period of time (however short) in any three description of the immediately preceding five calendar years, are eligible services that Commonwealth is providing to receive SEP contributions. Certain nonresident aliens, and certain union employees who have already negotiated me with respect to retirement benefits, may be excluded from participation. Employees who earn less than $300 my defined contribution plan or defined benefit plan (adjusted for the cost of living“Plan”) may also be excluded. This information and the following "Questions and Answers" should provide a basic understanding compensation that You receive in connection with those services. The information included in this disclosure is intended to satisfy the disclosure requirements under Section 408(b)(2) of what a SEP is and how it worksERISA, as amended. If your employer's SEP permits you to make elective deferral contributionsCommonwealth provides certain services on behalf of my Plan, you should read these Questions and Answers in conjunction with the "Notice to Employees" which will be provided to you. An employee who has unresolved questions concerning SEPs should call the Federal tax information number, or the toll free number shown as described in the white pages Description of the local telephone directoryServices section. These services are provided by my advisor as a Registered Representative and/or an Investment Adviser Representative of Commonwealth.