Hewitt Financial Services



Hewitt Financial ServicesFRS Investment Plan Self-Directed Brokerage Account

Should we be referring to Hewitt Financial Services or Aon Hewitt?

Accessing Your Account

Online Access:

With your FRS Investment Plan Self-Directed Brokerage Account (SDBA)Hewitt Financial Services, you have secure access to your account information when you need it—24 hours a day, seven days a week. You have the ability to review the most up-to-date information on your balances, portfolio holdings, order status, and executions.

You may access your SDBA by logging into , clicking on Manage My Benefits, then Manage Investments. On the landing page, scroll over the FRS Investment Plan tab, and then click on Self-Directed Brokerage Account (see screenshot below). from Your Benefits Web site by choosing the Self-directed Brokerage Account link or through your Web browser by typing in the address box.

(This will be replaced with a screen shot of YBR access to brokerage account).

ACTUAL SCREENSHOT THAT INCLUDES SDBA WILL NEED TO BE USED

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Phone Access: 1-866-446-9377, Option 4 (TRS 711)1.800.890.3200

Aon Hewitt SDBA specialists Our Investment Specialists are available between 9:00 a.m. and 78:00 p.m. Eastern Standard Time, Monday through Friday. You can also get your account information and trade confirmations through the automated phone system, which is available 24 hours a day, seven days a week. Simply call 1.800.890.3200.

Do we want to allow Automated Phone System for Investment Plan members?

Getting Started

Open an SDBA account, as follows:

Online - Logon to , then choose Manage My Benefits>Manage Investments>Open Brokerage Account, and complete the online form.

Form – Complete and mail/fax an enrollment form (available online in the SDBA section [see first bullet] or by calling the Investment Plan Administrator).

Your SDBA account will be established within one to two days of receipt of the online or hardcopy form. Once your account is established you will receive a welcome email from HFS with information on accessing and using your SDBA.

Transferring Money into Your Self-dDirected Brokerage Account

It is easy to transfer money from your existing Investment Plan core investment fundsoptions into your SDBASelf-directed Brokerage Account. Here’s how:

▪ Logon to , then choose Manage My Benefits>Manage Investments>Change Investments>Transfer Money from Fund(s) to Fund(s), and then select the fund(s) you want to take money from and the amount and then select “Self-Directed Brokerage Account” and the percent to transfer to the SDBA.1

▪ The money transferred to the SDBA will first be placed in the Reich & Tang Daily Income Money Market Fund (usually takes 1 business day).

▪ Once the money is in the Money Market Fund, you can invest this money in any of the available SDBA investment options by making the trade online or by calling the Investment Plan Administrator and connecting to HFS. Funds will remain in the Money Market fund until you direct their investment - they will not be automatically invested.

▪ Transfers are initiated through Your Benefits Web site. If available to your plan, you can also initiate transfers through the automated phone system or Benefits Center representatives.

▪ Transfer money from any of your existing investment options into your Self-directed Brokerage Account. Depending on your plan’s requirements, transfer minimums may apply.1

▪ Funds transferred into the Self-directed Brokerage Account will be invested in the Hewitt Money Market Fund and are available the next business day.2

Transferring Money out of Your Self-dDirected Brokerage Account

You may transfer any amount of money from your Self-dDirected Brokerage Account back into the Investment Plan your core investment options at any time. Here’s how:

▪ Logon to and sell the SDBA investments.

▪ Once the trade settles, the proceeds will be invested in the Reich & Tang Daily Income Money Market Fund2 (usually takes three to five business days depending on the settlement period of the investments liquidated).

▪ Once the money is in the Money Market Fund, you can invest this money back into any of the Investment Plan’s core investment funds by making the trade online or by calling the Investment Plan Administrator and connecting to HFS.

▪ Sell the necessary Self-directed Brokerage Account investment(s) (for example, the XYZ Mutual Fund).

▪ Once the trades settle, the proceeds will be invested in the Hewitt Money Market Fund in your brokerage account. This process will take three to five business days to complete depending on the settlement period of the investments liquidated.

▪ Once funds are in the Hewitt Money Market Fund, you can transfer back into any of the core investment options by requesting a transfer through Your Benefits Web site. If available to your plan, you can also initiate transfers through the automated phone system or Benefits Center representatives.

1 You are required to keep Your plan may also require a minimum balance of $5,000 in the Investment Plan remain in the core investment fundsoptions.

2 This fund An investment in the Hewitt Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. The fund could change in the future.

Trading in Your Brokerage Account

You can trade online or over the phone. You can invest in stocks and mutual funds through the automated phone system or Web site. You can invest in stocks, mutual funds, and fixed-income investments by speaking to an Aon Hewitt SDBA specialists Investment Specialist any day the stock market is open.

Trading Regulations

The following are things you should know before you trade.

General Restrictions1

You may not take a loan or distribution directly from the Self-dDirected Brokerage Account. In addition, please be aware that the following types of trades or investments are not allowed in a Self-dDirected Brokerage Account:

|Illiquid investmentsMunicipal Bonds |Derivatives, including but not limited to futures and options contracts on securities, market |

|Over the Counter Bulletin Board securitiesPrecious|indexes and commoditiesOptions |

|Metals |Buying or Trading on Margin Trading |

|Pink Sheet securitiesShort Sales |Investment Plan core productsPrivate Placements (including privately held Limited Partnerships) |

|Leveraged Exchange Traded Funds |Any investment that would jeopardize the Investment Plan’s tax qualified statusAny additional |

|Direct Ownership of Foreign Securities |securities designated by your employer |

Settlement Periods

Generally, settlement periods are as follows:

Stocks: Three business days

Load Mutual Funds: Three business days

No-Load Mutual Funds: Next business day (Some funds settle the same day)

Corporate Bonds: Three business days

Treasury Securities: Next business day

CDs: Next business Wednesday following issuance

Trading Requirements

You must have sufficient cash or money market fund balances in your SDBAHewitt Financial Services account to cover your trade and any applicable transaction fees at the time your order is placed.

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What is the above screenshot referring to? Is just a screenshot of a holdings page? If so, it should be labeled.

1Additional plan restrictions may apply.

Note: You should read a mutual fund prospectus carefully before investing. For complete information about mutual funds, including investment policies, risks, considerations, charges and expenses, a free prospectus may be obtained by contacting Aon Hewittthe fund company or Hewitt Financial Services. This includes the Reich & Tang Daily Income Hewitt Money Market Fund prospectus which can also be accessed via the Knowledge Center located in the Customer Service section onlineof the Hewitt Financial Services Web site.

Viewing Account Information Online

Choose the Accounts tab to view account information, including balances, portfolio holdings, history, and online documents. Choose Statements & Reports to view and print statements and trade confirmations.

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Electronic Delivery of Statements and Confirmations

Paperless account documents are good for the environment and you can access them online instead of having to wait for them in the mail.

As long as Aon HewittHewitt Financial Services has a valid email address you will automatically be enrolled in electronic delivery of brokerage account statements, trade confirmations and other important records. You will receive an email once your documents are ready for viewing.

Accessing Additional Self-directed Brokerage Account Information

Access additional information regarding your Self-dDirected Brokerage Account via the Knowledge Center located in the Customer Service section onlineof the Hewitt Financial Services Web site.

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General – Includes a copy of this guide and trading restrictions specific to your plan

Contact Hewitt – Information on contacting Aon Hewitt by email, mail, phone or fax.

Fee Schedule – A copy of your plan’s Hewitt Financial Services the Commission and Fee Schedule.

Disclosures – Additional disclosures related to your Self-dDirected BrokerageWindow Account.

Getting Quotes, News, and Research

Aon HewittHewitt Financial Services provides top-quality, timely information from a variety of leading sources. The information we provide can help you make better informed investment decisions.

Watchlists to Track Movement on Investments

Watchlists allow you to create customized portfolios to track the movement of stocks and mutual funds. You can create and view your watchlists from the Quotes & News tab of the Web siteonline.

Planning Tools and Research

Tools and resources are at your fingertips to help you build your knowledge, select investment options, evaluate risk, and manage your portfolio, including:

FundScan™ —Provides screening and research on funds in nearly 400 fund families based on your criteria. You can list funds by family or find top performers by category. Click Fund Center under the Research tab.

StockCenter™—Assists investors in identifying individual securities of interest. Click the Research tab to access StockCenter™.

Dow Jones NewswiresSM —Keeps you up to date on the global markets with news geared to the needs of individual investors. Also, as part of this service, you can retrieve the latest news from PR Newswire and BusinessWire. Select headlines or full stories by category or by symbol. Click the Quotes & News or Markets tab to access Dow Jones NewswiresSM .

Morningstar Analytical Data—Provides you with access to detailed profiles on thousands of mutual funds. Click Fund Center under the Research tab.

Thomson’s Company Reports—Allows you to view the latest insider activity and institutional holdings on thousands of companies. Fundamentals, key ratios, and First Call earnings estimates are also provided on each company. Click Company Reports under the Quotes & News tab.

|How to Contact Aon HewittHewitt Financial Services |

| |1.866.446-9377, Option 4 (TRS 711)1.800.890.3200 |

|Client Services—For assistance with trading, account information, or general | |

|investment questions | |

|9am – 87pm EST, Monday through Friday | |

| |1.800.890.3200 |

|Automated Phone System—For checking Self-directed Brokerage Account balances, | |

|trade confirmations and placing trades | |

|24 hours a day/7 days a week | |

| |1.800.890.3200 |

|Hearing Impaired—For assistance and account services for hearing-impaired | |

|investors | |

|9am – 5pm EST, Monday through Friday | |

|Email—For general questions |hfscustomerservice@ |

|Correspondence Via Fax |1.888.310.55591.847.554.1444 |

|Correspondence Via Regular Mail |FRS Investment Administrator |

| |P.O. Box 785027 |

| |Orlando, FL 32878-5027 |

| |Hewitt Financial Services |

| |PO Box 563901 |

| |Charlotte, NC 28256-9953 |

|Overnight, Certified, and Signature Required Customer Correspondence |Aon Hewitt |

| |2300 Discovery Drive |

| |Orlando, FL 32826 |

| |Hewitt Financial Services |

| |7201 Hewitt Associates Drive |

| |Charlotte, NC 28262 |

Should correspondence go to Orlando or to Charlotte?

Securities offered through Hewitt Financial Services LLC, member FINRA, SIPC.

Hewitt Financial Services is a subsidiary of Aon Hewitt LLC.

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Access Guide

For Your Self-dDirected Brokerage Account

Create a Password

Log on to :

1. When you visit the Web site for the first time, enter the User ID and temporary password you received in your Welcome email.

2. After entering your temporary password, you will be prompted to change it.

Can we get a link to the video added to the YBR homepage? Can we get a link to the video?

Automated Phone System

The automated phone system can be used to check your account balance and perform account transactions at any time. When you use the automated phone system for the first time, you will need to create a new Personal Identification Number (PIN).

To do so you will need to:

1. Call 1.800.890.3200

2. Choose the “Automated Telephone System” option from the main menu.

3. Enter your default PIN, which is your date of birth (MMDD—for example, April 28 would be 0428).

4. Follow prompts to create a new PIN.

Accessing Documents Online

Log into your account:

1. Click the Accounts tab.

2. Click Statements and Reports.

3. Chose the Statements, Trade Confirmation or Notification Tab to see specific documents.

4. After entering your temporary password, you will be prompted to change it.

SDBA Full Access Guide 01140812

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