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Prepared for: City of Detroit Deferred Compensation Plan RS2070_FRCVR 714 Welcome City of Detroit is pleased to offer you a retirement plan as a benefit to help you save and invest for retirement. It’s one way to thank you for your contribution to the organization’s success. This booklet walks you through the basics of the City of Detroit Deferred Compensation Plan and how to get started. You’ll also find information to help you make a plan for your life in the future that works for your life right now. Please review the enclosed information carefully to get started as soon as you can. If you have questions or for more information, please visit www.massmutual.com/serve, or contact your benefits administrator. We hope you’ll take full advantage of this important benefit. Matt Groulx Plan Administrator Phone: 313-224-9226 Email: [email protected] RS2070_WELCOME 614 EASY ACCESS to your account Two easy ways to monitor and manage your account. 1. ONLINE 2. BY PHONE Log into our website at www.massmutual.com/serve. 1-800-528-9009 Here you can access powerful retirement planning tools and calculators, and manage your account — With our voice-activated telephone system, you control anytime, from virtually anywhere. the call to get the information you need from any You’ll be able to: telephone, at any time, simply by speaking. • Obtain current account balances Please provide your user ID and PIN when prompted. • Change your investment options This will help expedite your call should you need to • Perform account transactions speak with a MassMutual customer service representative. • Transfer (exchange) balances between investment options* The system will ask you to state the reason for your call. • Check current investment prices and performance Simply speak clearly and the system will respond • View and download your quarterly electronic accordingly. statements Do you prefer receiving your retirement account • Reset/enable your PIN and user ID information in a language other than English? Access to If you are having trouble accessing your account for the Language Line is available in over 140 languages the first time, please contact your Participant Service through a Customer Service Representative during Center at 1-800-528-9009 for assistance. normal business hours. * You are allowed to submit a total of 20 transfer requests each calendar year for your participant account by any permitted means. Once these 20 transfers have been requested, you may submit any additional transfer requests only in writing by U.S. mail. Transfers as a result of dollar-cost averaging (if applicable) do not count toward the 20-transfer limit. Each calendar year, MassMutual resets your transfers to allow 20 new transfers by all approved methods. RS2070_ACCESS RS-34180-02 1218 1 (This page intentionally left blank) 2 ENROLL Enrollment Form 457(b) Governmental 0DVV0XWXDO32%R[+DUWIRUG&70DVV0XWXDO32%R[+DUWIRUG&7 )D[1RRU Group No. SSN 107560 C. INVESTMENT ELECTION I elect to have all future contributions invested among the Employer: Dept/ Location: investment options I have selected below. I understand City of Detroit that this Enrollment Form is to be used to record my initial Last, First, M.I.) Employee Name: ( investment option election and may not be used for investment option transfers or investment option *Mailing Address: allocation changes. To make investment changes please call 1-800-528-9009 or visit massmutual.com/serve. City: State: Zip: Sex: M F SECTION 1 Home Phone: Work Phone: Date of Birth: Date of Hire: Selections must be in whole percentages totaling 100%. _____% J9 American Century Small Cap Value INV *For your mailing address, provide either a street address or P.O. Box, not both. If you provide both, _____% L9 American Century Strategic Allocation: Aggressive MassMutual will follow USPS Guidelines and use the PO Box as your mailing address. _____% L8 American Century Strategic Allocation: Moderate IN _____% L7 American Century Strategic Allocation:Conservative $&2175,%87,216 _____% 2P American Century Value INV $ or % Amount Frequency* Annual Contibution Total _____% 7K American Funds EuroPacific Growth R3 _____% 5Y American Funds The Growth Fund of America R3 Employee X = = _____% LT Artisan Mid Cap INV _____% J7 Baron Small Cap Current Annual _____% 9L Calvert Equity A $ * Frequency Salary _____% EJ Calvert Mid-Cap A Monthly = 12 _____% ZA Calvert Small Cap A I am utilizing the plan's age 50+ catch-up provision Bi-Weekly = 26 _____% 9P Davis New York Venture A If you are utilizing the plan’s pre-retirement catch-up Semi-Monthly = 24 _____% 40 General Account provision, contact a MassMutual representative to request Weekly = 52 _____% B6 Goldman Sachs Mid Cap Value A Other: ________ a form. _____% 1L Hartford Balanced HLS IA _____% 1J Hartford Capital Appreciation HLS IA _____% 1C Hartford Dividend and Growth HLS IA B. SIGNATURES _____% 1M Hartford International Opportunities HLS IA I understand that all values provided by the contract, when based on investment experience of the above _____% 2Q Hartford MidCap HLS IA named investment choices (except the General Account), are variable and are not guaranteed as to a fixed _____% 1B Hartford Total Return Bond HLS IA _____% N2 Hotchkis and Wiley Large Cap Value A dollar amount. Receipt of a currently effective variable annuity prospectus or disclosure document, whichever is _____% 8U Invesco Comstock A applicable, is acknowledged. Further I wish to participate in the Deferred Compensation Plan and hereby agree _____% 6R Invesco International Growth A to defer my right to receive compensation to the extent of the annual contribution noted above. I understand _____% JR Invesco Real Estate A and agree to the provisions contained in my Employer’s Deferred Compensation Plan. Together with my heirs, _____% 8M Lord Abbett Small Cap Value P successors, and assigns, I will hold harmless my Employer from any liability hereunder for all acts performed in _____% 4I MFS Government Securities R3 _____% 9E MFS International New Discovery A good faith, including those related to the investment of deferred amounts and/or my Employer’s investment _____% YI MFS International Value R3 preference(s) under my Employer’s Deferred Compensation Plan. I acknowledge that I have read and _____% 5U MFS Utilities R3 understand the Fraud Warning Statement, as applicable to my state, located on the last page of this form. _____% UG Oakmark Equity and Income Service _____% HC Oppenheimer Main Street Mid Cap A Signed in the state of ______________on____________________________________________ _____% PP PIMCO Real Return Admin Date _____% 2T Putnam High Yield A _____% RG State Street S&P 500 Index Sec Lend II _____% RH State Street S&P MC Index Non-Lend Series II Participant Signature _____% 6O T Rowe Price Retirement 2050 ADV _____% SC T. Rowe Price Growth Stock ADV _____% HW T. Rowe Price Retirement 2015 ADV _____% 5O T. Rowe Price Retirement 2020 ADV This document has been received and accepted by the Plan Administrator. _____% HX T. Rowe Price Retirement 2025 ADV _____% 5I T. Rowe Price Retirement 2030 ADV _____% HY T. Rowe Price Retirement 2035 ADV _____% 6I T. Rowe Price Retirement 2040 ADV _____% EQ T. Rowe Price Retirement 2045 ADV Plan Administrator Signature Date _____% ER T. Rowe Price Retirement 2055 ADV _____% 7I T. Rowe Price Retirement Balanced ADV _____% N6 Templeton Growth A TO BE COMPLETED BY THE REGISTERED REPRESENTATIVE All investment options may not be available in all jurisdictions. (For Home Office Administration Purposes Only) Please consult your Plan Sponsor to determine which are available. Printed Name of Registered Representative Registered Representative Signature Registered Representative Tax ID/Producer Code Selling Firm Name Selling Firm Tax ID Massachusetts Mutual Life Insurance Company (MassMutual), 1295 State Street, Springfield, Massachusetts 01111-0001. 3 Fraud Warning Statements The following states require insurance applicants to acknowledge a fraud warning statement specific to that state. Please refer to the specific fraud warning statement for your state as indicated below. If your state is not separately listed, please refer to the NAIC Model Fraud Statement below. NAIC Model Fraud Statement - Any person who knowingly presents a false New Jersey - Any person who knowingly includes any false or or fraudulent claim for payment of a loss of benefit or knowingly presents false misleading information on an application for an insurance policy, or information in an application for insurance is guilty of a crime and may be files a statement of claim containing any false or misleading subject to fines and confinement in prison information, is subject to criminal and civil penalties. Alabama - Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents New Mexico for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or and may be subject to civil fines and criminal penalties. any combination thereof. Arkansas and West Virginia - Any person who knowingly presents New York - Any person who knowingly and with intent to defraud a false or fraudulent claim for payment of a loss or benefit or any insurance company or other person files an application for knowingly presents false information in an application for insurance insurance or statement of claim containing any materially false is guilty of a crime and may be subject to fines and confinement in information, or conceals for the purpose of misleading, information prison. concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to Colorado - It is unlawful to knowingly provide false, incomplete, or exceed five thousand dollars and the stated value of the claim for misleading facts or information to an insurance company for the each such violation.