If you want to know how much is available for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Hardship withdrawals are considered a taxable distribution. You may choose to have a portion of the taxes withheld up front, in which case we will withhold 10% plus any applicable state taxes. You may also choose not to have any taxes withheld. In either case, you will be responsible for all applicable taxes at the end of the year, including federal taxes for your personal income tax bracket, state or local taxes, and a possible 10% penalty if you are taking this withdrawal before the age of 59 ½. You will receive a 1099R form to file with your income taxes.

Hardship withdrawal amounts are severely restricted. Please consult your Summary Plan Description (SPD) for available portions. If you require additional information call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

Hardship requests are subject to a legal review, and if approved, checks will be issued within 2 business days of approval. You can expect to receive the check within 5-7 business days depending on the U.S. Postal Service. If the hardship request is not approved, the original documents will be mailed back to your address of record along with a detailed letter explaining why the request was not approved and what needs to be done.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you would like to request forms for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know if you are eligible to receive a withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

You can take a hardship withdrawal only if your plan permits them and you meet the guidelines for hardship withdrawals. To determine if your plan permits hardship withdrawals consult your plans Summary Plan Description (SPD).

401(k) guidelines allow hardship withdrawals for specific Safe Harbor reasons only. Those reasons are: 1) Unreimbursed medical expenses incurred by you, your spouse, or your dependents, 2) Payment of tuition, related educational fees, and room and board expenses for the next 12 months for you, your spouse, or your dependents, 3) Costs related to the purchase of your principal residence, excluding mortgage payments, and 4) Payments necessary to prevent eviction or foreclosure from your principal residence. [Plan specific: And any other financial hardship to be determined by the committee]. You will need to submit documentation to support the amount of your request and you may not request a dollar amount that exceeds the amount of your need as stated on the documentation.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

You can get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

If you have any questions about the investments in your Plan, you should discuss them with your employer’s Human Resource’ representative. They may be able to answer questions or provide you with the name and contact information of your local New York Life Agent.

Should you have additional questions, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)811-4015. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

This form can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy of the appropriate form.

To have your PIN/Password reset for you, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

You will be required to accurately respond to a series of security questions. In most cases, a service representative will be able to reset your PIN for you while you wait.

If this is the first time you are logging on to your account, your default PIN # is the last four digits of your Social Security number.

If your Social Security number does not match our records, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

To request a PIN reminder, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

We do not send a PIN reminder via email but we will reset your PIN for you.

If you are an active participant, please provide your address change to your employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

If you are a terminated participant, please provide your address change to your former employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

Forms can be obtained through your company. Please contact your benefits office or human resources department to request a copy of the termination form.

If you need to speak with a customer services representative, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)811-4015. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

A conversation with a Participant Service Representative would be the best way to handle your inquiry. Service Representatives are available from 8 AM until 5 PM ET each NYSE business day and may be reached at (800)811-4015.

For answers to frequently asked questions about the technical side of our website, please click here.

To check your account balance by phone, please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

You can also view your account balance and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To access account information, including fund performance and your portfolio allocation please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)811-4015.

You can also view Fund performance, your portfolio allocation and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

If you want to view the amount available for a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button to view the amount available for a new loan. Your plan may have restrictions on the portions that are allowed to fund the loan. You can determine these by consulting your Summary Plan Description (SPD). Please be aware that your account value and loan availability fluctuates daily.

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to request a loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. To request a loan click on the Loan Application button to print out the required Loan Application. You will need to complete the form and return it to your employers’ Human Resources representative.

If your plan permits, you can now directly request a loan via the participant website instead of having to request a Loan Form from a company representative The required Promissory Note and Truth in Lending Disclosure is printed on the back of the check, which is mailed directly to your address of record. These “automated loans” will now be offered at Prime Interest Rate plus one percent (Prime plus one). The prime interest rate is printed on our website and updated shortly after there is a change.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Please call our Customer Service Center at (800)778-6847. Representatives will provide you with your loan balance and freeze the loan for 30 days so that interest will no longer accrue. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

If you want to model a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. Click the Model A Loan button and you will see any outstanding loan amount and the maximum amount available for a new loan. To calculate loan terms, you must fill in 2 of the 3 boxes with either the amount you would like to borrow, the number of months you’d like to take the loan for, or the amount you’d like to pay per payment. Click the Calculate button to view the loan terms.

Please be aware that your account value and loan availability fluctuates daily. For more information about loans, specific to your plan consult your plans Summary Plan Description (SPD).

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

The IRS regulations regarding loans are as follows: 401(k) plan guidelines limit loan amounts to the lesser of 50% of the vested account balance or $50,000 reduced by the highest outstanding loan balance in the last 12 months.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know how long it will take to get a loan and your plan allows for paperless loans, then a loan check will be mailed to your address of record along with a Promissory Note, and Truth in Lending Disclosure printed on the back of the check. The check will be mailed within 2 business days of receipt of your on-line application and you should receive them within 5-7 business days depending on the U.S. Postal Service. Please review the enclosed paperwork before you sign the check. By endorsing the check you are demonstrating that you agree to the terms of the loan. You need not return anything to us.

If you want to know how long it will take to get a loan and your plan requires a paper application, then complete the application sign where required and return it to your employers Human Resources representative. Once received at New York Life Retirement Plan Services, your check will be mailed within two business days and you should receive it within 5-7 business days.

If you want to check the status of your loan, please visit our website at www.newyorklife.com/retirement and enter your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, click on the Loan Information tab and you will see your outstanding loan amount, interest rate, payment frequency and maturity date.

Please provide your name change to your employer’s Human Resource’ representative. They will communicate the change to your plan’s record keeper so that statements, website and other communications will be updated to reflect the proper information.

With so many different types of investors it is hard to say that any particular fund is the best fund for you as an individual. We are not able to provide investment advice, however, you are able to access Morningstar tools through the Welcome Page of your account on our website at www.bcomplete.com. These tools will give you detailed information about the funds available to you.

With so many different types of investors it is hard to say that any particular fund is the best fund for you as an individual. We are not able to provide investment advice, however, you are able to access Morningstar tools through the Welcome Page of your account on our website at www.bcomplete.com. These tools will give you detailed information about the funds available to you. You may also request copies of the prospectuses for the funds in your plan under the Financial Tools tab by clicking on the Fund Information button and then selecting the prospectuses you’d like to order. Investment Return Summaries are also available under the Financial Tools tab. These summaries allow you to view the historical performance figures of each fund available in your plan. You may also order prospectuses and Investment Return Summaries by calling the Participant Service Center. Service Center representatives are available from 9am-8pm ET (10am-6pm ET for Spanish) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing and you will be connected with a representative.

We hope the information above answered your questions. Should you have additional questions, please do not respond to this email, but rather submit a new request from the Benefits Complete website.

You may request copies of the prospectuses for the funds in your plan through our website at www.bcomplete.com under the Financial Tools tab by clicking on the Fund Information button and then selecting the prospectuses you’d like to order. Investment Return Summaries are also available under the Financial Tools tab. Please read prospectus carefully before investing. These summaries allow you to view the historical performance figures of each fund available in your plan. You may also order prospectuses and Investment Return Summaries by calling the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

If you are a terminated participant, please visit our website at www.bcomplete.com and click on the Manage My Account tab and then on Personal Information Change. Fill in the spaces with your new address and then click Process Request. Address update forms will be sent out both to the new address and the address on record for security purposes. The forms will be sent within 2 business days of receipt of your request and you should receive them within 5-7 business days depending on the U.S. Postal Service. One of these forms must be signed, dated and returned to New York Life Investment Management. Once we receive the form in good order, your address will be updated within 2 business days.

If your Social Security number does not match our records, please call a Participant Service Center representative. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. to 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022. At the Social Security number prompt, enter nothing and you will be transferred automatically to a service representative.

If you are an active participant, please visit our website at www.bcomplete.com and click on the Manage My Account tab and then on Personal Information Change. Fill in the spaces with your new address and then click Process Request. Address update forms will be sent out both to the new address and the address on record for security purposes. The forms will be sent within 2 business days of receipt of your request and you should receive them within 5-7 business days depending on the U.S. Postal Service. One of these forms must be signed, dated and returned to New York Life Investment Management. Once we receive the form in good order, your address will be updated within 2 business days.

If done through Benefits Complete:

Please visit our website at www.bcomplete.com and click on the Manage My Account tab and then on the Forms Request button. From here you may select either to have the forms emailed or sent via the U.S. Postal Service. To order a form via email, select the form, type in your email address twice for verification purposes and click Submit Form Request. You will receive this email within two business days and it will be in the form of a non-encrypted Adobe Acrobat attachment. To order a form via the U.S. Postal Service, select the form you want, click U.S. Postal Service, and then Submit Form Request. This form will be mailed within 2 business days and you should expect to receive it within 5-7 business days depending on the U.S. Postal Service. Each new request will require a new form to be completed. Copies of original forms and reprints of emails will not be accepted. All of our forms, with the exception of loan applications, expire after 120 days from the issue date.

If done via Plan Sponsor:

Forms can be obtained through your company. Please contact your benefits office or human resources department to request a copy of the form.

We hope the information above answered your questions. Should you have additional questions, please do not respond to this email, but rather submit a new request from the Benefits Complete website.

If you need to speak with a customer services representative, please call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

If you want to model a new loan, please visit our website at www.bcomplete.com . To view the amount available for a new loan, click on the Model a New Loan button under the Manage My Account tab. This screen will display the maximum amount available for a new loan as well as the current interest rate and your payment frequency. To calculate loan terms, you must fill in 2 of the 3 boxes with either the amount you would like to borrow, the number of months you’d like to take the loan for, or the amount you’d like to pay per payment. Click the Calculate button to view the loan terms.

If you want to check on the status of your loan, please visit our website at www.bcomplete.com., and log into your account. Then click on View My Accounts, and then Activity History. Within Activity History, select the Distributions tab to view your loan status.

The IRS regulations regarding loans are as follows: 401(k) plan guidelines limit loan amounts to the lesser of 50% of the vested account balance or $50,000 reduced by the highest outstanding loan balance in the last 12 months.

If you want to view the amount available for a new loan, go to our website at www.bcomplete.com, and click on the Manage My Account tab, then click on the Model a New Loan button. Your plan may have restrictions on the portions that are allowed to fund the loan. You can determine these by consulting your Summary Plan Description (SPD). Please be aware that your account value and loan availability fluctuates daily.

If you want to request a loan, please visit our website at www.bcomplete.com. To view the amount available for a new loan, click on the Model a New Loan button under the Manage My Account tab. This screen will display the maximum amount available for a new loan as well as the current interest rate and your payment frequency. To calculate loan terms, you must fill in 2 of the 3 boxes with either the amount you would like to borrow, the number of months you’d like to take the loan for, or the amount you’d like to pay per payment. Click the Calculate button to view the loan terms. Once you find terms that suit you, click Request Loan.

If you want to know how long it will take to get a loan and your plan allows for paperless loans, then a loan check will be mailed to your address of record along with a Loan Agreement, Promissory Note, and a Loan Disclosure statement. These will be mailed within 2 business days of receipt of your on-line application and you should receive them within 5-7 business days depending on the U.S. Postal Service. Please review the enclosed paperwork before you sign the check. By endorsing the check you are demonstrating that you agree to the terms of the loan. You need not return anything to us.

If you want to know how long it will take to get a loan and your plan requires a paper application, then a loan application will be mailed to your address of record within 2 business days of modeling the loan on-line and you should receive it within 5-7 business days depending on the U.S. Postal Service. When you receive the application package, please sign where required [and have your spouse sign it and have it notarized] and return it to the address on the paperwork. Once received at New York Life Investment Management, your check will be mailed within two business days and you should receive it within 5-7 business days.

If you want to view the amount available for a new loan, go to our website at http://www.bcomplete.com, and click on the Manage My Account tab, then click on the Model a New Loan button. Your plan may have restrictions on the portions that are allowed to fund the loan. You can determine these by consulting your Summary Plan Description (SPD). Please be aware that your account value and loan availability fluctuates daily.

If you want to know how long it will take to get a loan and your plan allows for paperless loans, then a loan check will be mailed to your address of record along with a Loan Agreement, Promissory Note, and a Loan Disclosure statement. These will be mailed within 2 business days of receipt of your on-line application and you should receive them within 5-7 business days depending on the U.S. Postal Service. Please review the enclosed paperwork before you sign the check. By endorsing the check you are demonstrating that you agree to the terms of the loan. You need not return anything to us.

If you want to know how long it will take to get a loan and your plan requires a paper application, then a loan application will be mailed to your address of record within 2 business days of modeling the loan on-line and you should receive it within 5-7 business days depending on the U.S. Postal Service. When you receive the application package, please sign where required [and if required have your spouse sign it and have it notarized] and return it to the address on the form. Once received in good order at New York Life Investment Management, your check will be mailed within two business days and you should receive it within 5-7 business days.

If you want to know how much is available for withdrawal, call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Hardship withdrawals are considered a taxable distribution. You may choose to have a portion of the taxes withheld up front, in which case we will withhold 10% plus any applicable state taxes. You may also choose not to have any taxes withheld. In either case, you will be responsible for all applicable taxes at the end of the year, including federal taxes for your personal income tax bracket, state or local taxes, and a possible 10% penalty if you are taking this withdrawal before the age of 59 ½. You will receive a 1099R form to file with your income taxes.

Hardship withdrawal amounts are severely restricted. Please consult your Summary Plan Description (SPD) for available portions or call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

Hardship requests are subject to a legal review, and if approved, checks will be issued within 2 business days of approval. You can expect to receive the check within 5-7 business days depending on the U.S. Postal Service. If the hardship request is not approved, the original documents will be mailed back to your address of record along with a detailed letter explaining why the request was not approved and what needs to be done.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know if you are eligible to receive a withdrawal, call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you need forms for a withdrawal, call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

We hope the information above answered your questions. Should you have additional questions, please do not respond to this email, but rather submit a new request from the Benefits Complete website.

401(k) guidelines allow hardship withdrawals for specific Safe Harbor reasons only. Those reasons are: 1) Unreimbursed medical expenses incurred by you, your spouse, or your dependents, 2) Payment of tuition, related educational fees, and room and board expenses for the next 12 months for you, your spouse, or your dependents, 3) Costs related to the purchase of your principal residence, excluding mortgage payments, 4) Payments necessary to prevent eviction or foreclosure from your principal residence. [Plan specific: Any other financial hardship will be determined by the committee]. You will need to submit documentation to support the amount of your request and you may not request a dollar amount that exceeds the amount of your need as stated on the documentation, 4) Funeral expenses of a parent, spouse, child or dependent, and 5) Certain expenses related to the repair of damage to your principal residence that would qualify for a casualty deduction on your federal income tax return. For example, this would include expenses incurred to repair property damage that resulted from a natural disaster, flood damage or other loss. (The amount that may be included in the hardship withdrawal would be determined without regard to whether the loss exceeds 10% of adjusted gross income.)

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

For information about available withdrawal amounts, call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

We hope the information above answered your questions. Should you have additional questions, please do not respond to this email, but rather submit a new request from the Benefits Complete website.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Please call the Participant Service Center. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

If this is the first time you are logging on to your account, you will be prompted to establish a Personal Identification Number (PIN).

If your Social Security number does not match our records, please call a Participant Service Center representative. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. At the Social Security number prompt, enter nothing and you will be transferred automatically to a service representative.

To have your PIN/Password reset for you, please call a Participant Service Center representative. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. to 6 p.m. for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. At the Social Security number prompt, enter nothing and you will be transferred automatically to a service representative.

You will be required to accurately respond to a series of security questions. Once a service representative has reset your PIN, you may establish a new PIN through either the Benefits Complete voice response service or through the website at http://www.bcomplete.com

If you still require assistance please call a Participant Service Center representative. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. to 6 p.m. for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. At the Social Security number prompt, enter nothing and you will be transferred automatically to a service representative.

To request a PIN reminder, you should go to our site at www.bcomplete.com and choose the Forgot your User ID or PIN/Password? link. A PIN reminder will be generated and sent to your address of record. You should receive it within 5-7 business days depending on the U.S. Postal Service.

Since enrolling in 401(k) plans can differ from company to company, a conversation with a Participant Service Center representative would be the best way to handle your inquiry. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

A conversation with a Participant Service Center representative would be the best way to handle your inquiry. Service representatives are available from 9 a.m. until 8 p.m. ET (10 a.m. until 6 p.m. ET for Spanish representatives) each NYSE business day and may be reached at (800) 294-3575 for English or (888) 440-0022 for Spanish. Please have your Social Security number and Personal Identification Number (PIN) or password when calling to enable the representative to quickly access your account information. If you do not know your PIN or password, enter nothing at the prompt and you will be connected automatically with a representative.

This form can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy of the appropriate form.

If you want to model a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. Click the Model A Loan button and you will see any outstanding loan amount and the maximum amount available for a new loan. To calculate loan terms, you must fill in 2 of the 3 boxes with either the amount you would like to borrow, the number of months you’d like to take the loan for, or the amount you’d like to pay per payment. Click the Calculate button to view the loan terms.

Please be aware that your account value and loan availability fluctuates daily. For more information about loans, specific to your plan consult your plans Summary Plan Description (SPD).

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

The IRS regulations regarding loans are as follows: 401(k) plan guidelines limit loan amounts to the lesser of 50% of the vested account balance or $50,000 reduced by the highest outstanding loan balance in the last 12 months.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Please call our Customer Service Center at (800)778-6847. Representatives will provide you with your loan balance and freeze the loan for 30 days so that interest will no longer accrue. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

If you want to request a loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. To request a loan click on the Loan Application button to print out the required Loan Application. You will need to complete the form and return it to your employers’ Human Resources representative.

If your plan permits, you can now directly request a loan via the participant website instead of having to request a Loan Form from a company representative The required Promissory Note and Truth in Lending Disclosure is printed on the back of the check, which is mailed directly to your address of record. These “automated loans” will now be offered at Prime Interest Rate plus one percent (Prime plus one). The prime interest rate is printed on our website and updated shortly after there is a change.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to view the amount available for a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button to view the amount available for a new loan. Your plan may have restrictions on the portions that are allowed to fund the loan. You can determine these by consulting your Summary Plan Description (SPD). Please be aware that your account value and loan availability fluctuates daily.

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know how long it will take to get a loan and your plan allows for paperless loans, then a loan check will be mailed to your address of record along with a Promissory Note, and Truth in Lending Disclosure printed on the back of the check. The check will be mailed within 2 business days of receipt of your on-line application and you should receive them within 5-7 business days depending on the U.S. Postal Service. Please review the enclosed paperwork before you sign the check. By endorsing the check you are demonstrating that you agree to the terms of the loan. You need not return anything to us.

If you want to know how long it will take to get a loan and your plan requires a paper application, then complete the application sign where required and return it to your employers Human Resources representative. Once received at New York Life Retirement Plan Services, your check will be mailed within two business days and you should receive it within 5-7 business days.

If you want to check the status of your loan, please visit our website at www.newyorklife.com/retirement and enter your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, click on the Loan Information tab and you will see your outstanding loan amount, interest rate, payment frequency and maturity date.

If you are an active participant, please provide your address change to your employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

If you are a terminated participant, please provide your address change to your former employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

To have your PIN/Password reset for you, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

You will be required to accurately respond to a series of security questions. In most cases, a service representative will be able to reset your PIN for you while you wait.

If this is the first time you are logging on to your account, your default PIN # is the last four digits of your Social Security number.

If your Social Security number does not match our records, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

To request a PIN reminder, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

We do not send a PIN reminder via email but we will reset your PIN for you.

To receive information about your investments or the investments offered in your plan, please contact your employer’s Human Resource’ representative. This individual may be able to answer your questions or direct you to your plans servicing New York Life Agent who will be able to assist you.

You can also get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

To check your account balance by phone, please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

You can also view your account balance and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To speak with a Customer Service Representative, please call (800)778-6847. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

To access account information, including fund performance and your portfolio allocation please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

You can also view Fund performance, your portfolio allocation and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

Please provide your name change to your employer’s Human Resource’ representative. They will communicate the change to your plan’s record keeper so that statements, website and other communications will be updated to reflect the proper information.

You can get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

If you have any questions about the investments in your Plan, you should discuss them with your employer’s Human Resource’ representative. They may be able to answer questions or provide you with the name and contact information of your local New York Life Agent.

Should you have additional questions, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)882-3365. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

Forms can be obtained through your company. Please contact your benefits office or human resources department to request a copy of the termination form.

If you need to speak with a customer services representative, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)882-3365. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

If you want to know if you are eligible to receive a withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you would like to request forms for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

You can take a hardship withdrawal only if your plan permits them and you meet the guidelines for hardship withdrawals. To determine if your plan permits hardship withdrawals consult your plans Summary Plan Description (SPD).

401(k) guidelines allow hardship withdrawals for specific Safe Harbor reasons only. Those reasons are: 1) Unreimbursed medical expenses incurred by you, your spouse, or your dependents, 2) Payment of tuition, related educational fees, and room and board expenses for the next 12 months for you, your spouse, or your dependents, 3) Costs related to the purchase of your principal residence, excluding mortgage payments, and 4) Payments necessary to prevent eviction or foreclosure from your principal residence. [Plan specific: And any other financial hardship to be determined by the committee]. You will need to submit documentation to support the amount of your request and you may not request a dollar amount that exceeds the amount of your need as stated on the documentation.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know how much is available for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Hardship withdrawals are considered a taxable distribution. You may choose to have a portion of the taxes withheld up front, in which case we will withhold 10% plus any applicable state taxes. You may also choose not to have any taxes withheld. In either case, you will be responsible for all applicable taxes at the end of the year, including federal taxes for your personal income tax bracket, state or local taxes, and a possible 10% penalty if you are taking this withdrawal before the age of 59 ½. You will receive a 1099R form to file with your income taxes.

Hardship withdrawal amounts are severely restricted. Please consult your Summary Plan Description (SPD) for available portions. If you require additional information call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)882-3365.

Hardship requests are subject to a legal review, and if approved, checks will be issued within 2 business days of approval. You can expect to receive the check within 5-7 business days depending on the U.S. Postal Service. If the hardship request is not approved, the original documents will be mailed back to your address of record along with a detailed letter explaining why the request was not approved and what needs to be done.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

A conversation with a Participant Service Representative would be the best way to handle your inquiry. Service Representatives are available from 8 AM until 5 PM ET each NYSE business day and may be reached at (800) 882-3365.

For answers to frequently asked questions about the technical side of our website, please click here.

If you want to know how much is available for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know if you are eligible to receive a withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you are an active participant, please provide your address change to your employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

If you are a terminated participant, please provide your address change to your former employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

To receive information about your investments or the investments offered in your plan, please contact your employer’s Human Resource’ representative. This individual may be able to answer your questions or direct you to your plans servicing New York Life Agent who will be able to assist you.

You can also get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

To check your account balance by phone, please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

You can also view your account balance and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To speak with a Customer Service Representative, please call (800)778-6847. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

To access account information, including fund performance and your portfolio allocation please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

You can also view Fund performance, your portfolio allocation and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To have your PIN/Password reset for you, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

You will be required to accurately respond to a series of security questions. In most cases, a service representative will be able to reset your PIN for you while you wait.

If this is the first time you are logging on to your account, your default PIN # is the last four digits of your Social Security number.

If your Social Security number does not match our records, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

To request a PIN reminder, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)778-6847.

We do not send a PIN reminder via email but we will reset your PIN for you.

SIMPLE IRA plans do not allow for loans. However, the same distribution (withdrawal) rules that apply to traditional IRA’s generally apply to SIMPLE IRA. Please see your NYLIM SIMPLE IRA Custodial Agreement or IRS Publications 590 or 560 for further information.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know how much is available for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Hardship withdrawals are considered a taxable distribution. You may choose to have a portion of the taxes withheld up front, in which case we will withhold 10% plus any applicable state taxes. You may also choose not to have any taxes withheld. In either case, you will be responsible for all applicable taxes at the end of the year, including federal taxes for your personal income tax bracket, state or local taxes, and a possible 10% penalty if you are taking this withdrawal before the age of 59 ½. You will receive a 1099R form to file with your income taxes.

Hardship withdrawal amounts are severely restricted. Please consult your Summary Plan Description (SPD) for available portions. If you require additional information call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

Hardship requests are subject to a legal review, and if approved, checks will be issued within 2 business days of approval. You can expect to receive the check within 5-7 business days depending on the U.S. Postal Service. If the hardship request is not approved, the original documents will be mailed back to your address of record along with a detailed letter explaining why the request was not approved and what needs to be done.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know if you are eligible to receive a withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you would like to request forms for withdrawal, call the Participant Service Center. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

You can take a hardship withdrawal only if your plan permits them and you meet the guidelines for hardship withdrawals. To determine if your plan permits hardship withdrawals consult your plans Summary Plan Description (SPD).

401(k) guidelines allow hardship withdrawals for specific Safe Harbor reasons only. Those reasons are: 1) Unreimbursed medical expenses incurred by you, your spouse, or your dependents, 2) Payment of tuition, related educational fees, and room and board expenses for the next 12 months for you, your spouse, or your dependents, 3) Costs related to the purchase of your principal residence, excluding mortgage payments, and 4) Payments necessary to prevent eviction or foreclosure from your principal residence. [Plan specific: And any other financial hardship to be determined by the committee]. You will need to submit documentation to support the amount of your request and you may not request a dollar amount that exceeds the amount of your need as stated on the documentation.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

You can get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

If you have any questions about the investments in your Plan, you should discuss them with your employer’s Human Resource’ representative. They may be able to answer questions or provide you with the name and contact information of your local New York Life Agent.

Should you have additional questions, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)668-7826. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

Please provide your name change to your employer’s Human Resource’ representative. They will communicate the change to your plan’s record keeper so that statements, website and other communications will be updated to reflect the proper information.

If you are an active participant, please provide your address change to your employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

If you are a terminated participant, please provide your address change to your former employer’s Human Resource’ representative. They will communicate the change of address to your plan’s record keeper so that statements and other communications will be forwarded to the proper address.

To check your account balance by phone, please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

You can also view your account balance and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To speak with a Customer Service Representative, please call (800)778-6847. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

To access account information, including fund performance and your portfolio allocation please call our Voice Response System or contact a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

You can also view Fund performance, your portfolio allocation and other information by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts".

To receive information about your investments or the investments offered in your plan, please contact your employer’s Human Resource’ representative. This individual may be able to answer your questions or direct you to your plans servicing New York Life Agent who will be able to assist you.

You can also get information about your investments by going to www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, clicking on the investment name will provide you with current performance information and a fact sheet about your investment.

This form can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy of the appropriate form.

Forms can be obtained through your company. Please contact your benefits office or human resources department to request a copy of the termination form.

If you need to speak with a customer services representative, please call the Participant Service Center. Customer Service Representatives are available from 8am-5pm ET each NYSE business day and may be reached at (800)668-7826. Please have your Social Security number and Personal Identification Number (PIN) or password when calling.

To have your PIN/Password reset for you, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

You will be required to accurately respond to a series of security questions. In most cases, a service representative will be able to reset your PIN for you while you wait.

If this is the first time you are logging on to your account, your default PIN # is the last four digits of your Social Security number.

If your Social Security number does not match our records, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

To request a PIN reminder, please call a Customer Service Representative. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day and may be reached at (800)668-7826.

We do not send a PIN reminder via email but we will reset your PIN for you.

The IRS regulations regarding loans are as follows: 401(k) plan guidelines limit loan amounts to the lesser of 50% of the vested account balance or $50,000 reduced by the highest outstanding loan balance in the last 12 months.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to request a loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. To request a loan click on the Loan Application button to print out the required Loan Application. You will need to complete the form and return it to your employers’ Human Resources representative.

If your plan permits, you can now directly request a loan via the participant website instead of having to request a Loan Form from a company representative The required Promissory Note and Truth in Lending Disclosure is printed on the back of the check, which is mailed directly to your address of record. These “automated loans” will now be offered at Prime Interest Rate plus one percent (Prime plus one). The prime interest rate is printed on our website and updated shortly after there is a change.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

Please call our Customer Service Center at (800)778-6847. Representatives will provide you with your loan balance and freeze the loan for 30 days so that interest will no longer accrue. Service Representatives are available from 8 a.m. until 5 p.m. ET each NYSE business day.

If you want to view the amount available for a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button to view the amount available for a new loan. Your plan may have restrictions on the portions that are allowed to fund the loan. You can determine these by consulting your Summary Plan Description (SPD). Please be aware that your account value and loan availability fluctuates daily.

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to know how long it will take to get a loan and your plan allows for paperless loans, then a loan check will be mailed to your address of record along with a Promissory Note, and Truth in Lending Disclosure printed on the back of the check. The check will be mailed within 2 business days of receipt of your on-line application and you should receive them within 5-7 business days depending on the U.S. Postal Service. Please review the enclosed paperwork before you sign the check. By endorsing the check you are demonstrating that you agree to the terms of the loan. You need not return anything to us.

If you want to know how long it will take to get a loan and your plan requires a paper application, then complete the application sign where required and return it to your employers Human Resources representative. Once received at New York Life Retirement Plan Services, your check will be mailed within two business days and you should receive it within 5-7 business days.

If you want to model a new loan, go to our website at www.nylim.com/retirement and entering your ID Number into the box in the upper left corner of the page titled "Access My Accounts". You will then be asked to enter your password and directed to your account. Click on the Loan Information button which will direct you to the Loan Information page. Click the Model A Loan button and you will see any outstanding loan amount and the maximum amount available for a new loan. To calculate loan terms, you must fill in 2 of the 3 boxes with either the amount you would like to borrow, the number of months you’d like to take the loan for, or the amount you’d like to pay per payment. Click the Calculate button to view the loan terms.

Please be aware that your account value and loan availability fluctuates daily. For more information about loans, specific to your plan consult your plans Summary Plan Description (SPD).

The Summary Plan Description (SPD) can be obtained through your company. Please contact your employer’s Human Resources representative to request a copy.

NYLIM and its affiliates do not render tax, legal or accounting advice. Please consult your financial professional regarding your own personal circumstances.

If you want to check the status of your loan, please visit our website at www.newyorklife.com/retirement and enter your ID Number into the box in the upper left corner of the page titled "Access My Accounts". After accessing your account through our website, click on the Loan Information tab and you will see your outstanding loan amount, interest rate, payment frequency and maturity date.

A conversation with a Participant Service Representative would be the best way to handle your inquiry. Service Representatives are available from 8 AM until 5 PM ET each NYSE business day and may be reached at (800)668-7826

For answers to frequently asked questions about the technical side of our website, please click here.

For all plan inquiries, please contact Glenn Murray at (800)477-3829 or Glenn.Murray@rbc.com

For all plan inquiries, please contact Glenn Murray at (800)477-3829 or Glenn.Murray@rbc.com