BT 0 Tw ( )Tj 12 0 0 12 573.8789 559.1783 Tm 12 0 0 12 336.7738 671.1782 Tm .025 Tw [(Int)14.2(erest)]TJ /P <>BDC ( )Tj ET /P <>BDC 12 0 0 12 258.5454 567.5222 Tm f .025 Tw 0 Tw 12 0 0 12 292.5029 691.1543 Tm Y)68.9(ou ma)13.2(y incur an additional)]TJ /P <>BDC BT ET You have never taken a loan from your retirement plan balance. EMC DCP Loan Overview. ET EMC EMC 12 0 0 12 28 279.3463 Tm ( )Tj /TT4 1 Tf Q 6.3241 -1.862 6.6084 -1.7722 6.696 -1.7722 c ET 0 Tw /P <>BDC 0 -.4288 -.3476 -.7763 -.7763 -.7763 c EMC EMC BT 12 0 0 12 28 643.4982 Tm EMC .025 Tw 1.0438 11.808 1.8978 10.954 1.8978 9.9102 c EMC -7.7337 -.3472 -7.9809 -1.4215 -7.9809 -2.7357 c 12 0 0 12 28 113.3463 Tm ET ET 0 0 0 .25 k ET /P <>BDC 7.6629 -3.4062 7.5505 -3.2991 7.5505 -3.0844 c /P <>BDC /P <>BDC [(statements with pa)13.2(yment instr)-32.2(uctions)38.1(. EMC EMC 12 0 0 12 407.9484 525.6194 Tm W n 0 Tw BT ET ( )Tj )Tj ET BT /Artifact <>BDC BT 13.319 -2.7743 13.361 -2.8891 13.361 -3.0554 c ET 0 Tw 12 0 0 12 314.5021 193.0615 Tm EMC /P <>BDC ( )Tj [(If)-130.9( y)13.2(ou w)24.9(ould lik)13.2(e to cancel y)13.2(our QPP loan application, )]TJ 12 0 0 12 552.7863 368.4037 Tm 10.949 1.2489 10.813 1.1231 10.54 1.0942 c ET BT ( )Tj 0 Tw .025 Tw .025 Tw EMC 12 0 0 12 292.3777 163.7634 Tm /P <>BDC 10 0 0 10 143.9079 172.1207 Tm [(mak)13.2(e online pa)13.2(yments to TRS)38.1(. 12 0 0 12 284.2915 615.1783 Tm 3.292 6.9399 3.8239 6.6868 4.5941 6.396 c ET 14.919 -11.627 13.215 -11.58 7.8682 -11.58 c q 1 0 0 1 28.398 724.271 cm 0 0 m 12 0 0 12 28 277.2743 Tm EMC 12 0 0 12 293.3396 526.6456 Tm endobj ET Q Y)68.8(ou can)]TJ /P <>BDC ET )]TJ EMC BT ET BT f /P <>BDC ET BT ET /P <>BDC 12 0 0 12 332.3771 429.0136 Tm W n /P <>BDC EMC 12 0 0 12 28 498.6457 Tm 1.3594 -3.1187 .7039 -2.8296 .3692 -2.2528 c EMC It's never too late to start investing. EMC .025 Tw -4.9404 -6.5256 -5.7642 -4.5605 v BT /P <>BDC /P <>BDC 12 0 0 12 316.8 321.7633 Tm 12 0 0 12 175.8802 657.4982 Tm EMC [(de)-12.2(posited. <> [(equi)13.2(v)19(alent. BT /P <>BDC /P <>BDC ET ET Q EMC 12 0 0 12 298.3552 268.6697 Tm 2.7097 -10.592 3.2544 -9.4742 3.2544 -8.382 c )Tj BT /P <>BDC f EMC ET EMC [(TRS recei)13.2(v)19(es y)13.2(our pa)13.2(yment and written request, y)13.2(our loan)]TJ EMC [(R)12.2(e)5.9(tirement)]TJ ET BT )]TJ 5.7441 5.7349 5.5989 5.8743 5.4647 6.1524 c 12 0 0 12 81.509 497.5222 Tm ( )Tj EMC ( )Tj 0 Tw ( )Tj 12 0 0 12 511.1829 282.0263 Tm ET 0 0 0 .45 k EMC ET BT /TT4 1 Tf 5.9644 .0754 5.7125 -.1777 5.4874 -.1777 c .025 Tw ET BT EMC Tiers III, IV)138.2(, and VI members ma)13.2(y tak)13.2(e one QPP)]TJ ( )Tj ET [(Beginning 90 da)13.2(ys after a loan is issued, 100% of)-130.9( the)]TJ /P <>BDC EMC ( )Tj 12 0 0 12 28 353.2742 Tm /P <>BDC BT BT 45.902 0 l W n BT .4834 -2.4855 -.1017 -2.5226 -.6911 -2.5974 c 12 0 0 12 28 296.6696 Tm q 1 0 0 1 295.779 632.807 cm 0 0 m 12 0 0 12 270.1927 684.5977 Tm BT ET EMC 12 0 0 12 574.7592 637.2023 Tm [(retirement and y)13.2(ou tak)13.2(e a new loan, TRS is required)]TJ /P <>BDC EMC .025 Tw BT /P <>BDC f BT S )]TJ ET ( )Tj EMC /P <>BDC /P <>BDC [(\(whic)13.2(hev)19(er is sooner\). ( )Tj 39.6 0 0 44 211.5255 692.3306 Tm /P <>BDC [(Monda)13.2(y-T)-15.1(hursda)13.2(y)82(,)0( TRS m)13.2(ust recei)13.2(v)19(e)0( y)13.2(our)]TJ ET -5.9689 3.6397 -5.6776 5.4353 v .2579 4.0009 0 4.6565 0 5.484 c Q EMC /TT4 1 Tf .023 Tc 12 0 0 12 28 254.6696 Tm -.2425 -.7276 0 0 v EMC EMC -2.2185 -3.2787 -2.2185 -4.4567 y ( )Tj Understand how loan repayments are made if you are on a leave of absence, with or without pay, and how to continue your loan repayments. 0 Tw EMC .025 Tw ET EMC BT .025 Tw 12 0 0 12 155.2103 273.4254 Tm [(New Y)68.9(ork City Defer)-24.9(red Compensation Plan)]TJ BT EMC 75% of your QPP account balance, less any outstanding QPP loan balance. BT /TT4 1 Tf 12 0 0 12 147.1684 525.2023 Tm EMC ET ET Learn about the rules regarding taking a loan, including eligibility, loan fees, repayment rules, defaulting on a loan and much more. 12 0 0 12 315.8285 514.3796 Tm ET 0 Tc [(re)-12.2(pa)13.2(yment amount and pa)13.2(yment instr)-32.2(uctions)38.1(. 12 0 0 12 28.3984 725.5714 Tm 4.2619 -6.0523 4.4212 -6.1978 4.4212 -6.3917 c .025 Tw ET ET 0 Tw Q .025 Tw /TT10 1 Tf 12 0 0 12 406.8326 134.4996 Tm -10.834 3.4843 -11.15 5.5746 v W n ET -.0047 Tc .025 Tw EMC ET EMC ET EMC BT 0 Tw .025 Tw f )]TJ 12 0 0 12 291.8982 629.1783 Tm BT .025 Tw EMC EMC BT /P <>BDC (IRS regulations require TRS to withhold 20% )Tj ET 12 0 0 12 28 497.2023 Tm 12 0 0 12 579.6775 144.0742 Tm ( )Tj EMC EMC [(, y)13.2(our total outstanding QPP loan)]TJ .025 Tw 12 0 0 12 573.4835 471.0136 Tm EMC EMC /P <>BDC BT ET EMC -2.2962 3.061 -1.2989 2.8802 -.5983 2.5193 c ( )Tj .025 Tw /P <>BDC EMC EMC 67 0 obj /P <>BDC 8.8698 -7.5398 0 0 y 256.298 676.575 97.8 -52.381 re ET BT BT .025 Tw ( )Tj EMC ET EMC [(are required, please use the secure section of)-130.9( our w)13.2(ebsite)]TJ /P <>BDC /P <>BDC BT BT BT -9.6396 -7.1251 -10.16 -5.6278 -10.16 -3.8323 c 12 0 0 12 339.213 190.4997 Tm S BT 202 0 obj 8.7353 -.1947 0 0 v ET 12 0 0 12 279.9413 629.4982 Tm 0 0 0 0 k ET 3.2828 8.2732 2.1275 7.2495 2.1275 5.2024 c 0 0 l .025 Tw ET /P <>BDC .025 Tw BT 6.7076 4.1218 7.2071 3.9077 7.7657 3.4812 c ET /TT12 1 Tf f /P <>BDC ( )Tj 12 0 0 12 46.25 491.2263 Tm ET EMC 2.3528 12.495 2.6747 12.799 2.8302 12.799 c /P <>BDC /TT12 1 Tf 6.8127 9.5277 6.9003 9.4173 6.9003 9.1981 c EMC ( )Tj .025 Tw [(g)-15.1(enerally $250. 0 Tw ET 0 Tw /P <>BDC 0 Tw /P <>BDC ET .0006 1.5536 .4375 2.8152 v -3.8811 1.0717 -3.0123 1.9406 -1.9406 1.9406 c BT 12 0 0 12 28 629.4982 Tm EMC ET If)-130.9( y)13.2(ou ha)13.2(v)19(e)0( outstanding loans when)]TJ ET EMC /P <>BDC BT (Loan Amounts)Tj /P <>BDC ( )Tj EMC ( )Tj ET /P <>BDC 12 0 0 12 579.4187 726.9415 Tm /TT4 1 Tf .025 Tw [(tak)13.2(en at retirement:)]TJ EMC /P <>BDC ET S EMC 12 0 0 12 275.1443 539.2023 Tm ( )Tj -.0047 Tc BT .025 Tw ( )Tj .025 Tw q 1 0 0 1 298.585 651.714 cm 0 0 m .025 Tw /P <>BDC EMC ( )Tj /P <>BDC ( )Tj 39.275 0 l /P <>BDC BT EMC EMC 12 0 0 12 28 531.1783 Tm EMC .025 Tw /P <>BDC ET ( )Tj 0 Tc ( )Tj ( )Tj BT 9.9193 -1.9985 10.076 -2.0284 10.14 -2.0768 c /P <>BDC BT 12 0 0 12 567.202 663.1542 Tm 7.2233 -.236 7.8622 .2122 v Q .025 Tw BT 3.4601 -.3259 4.6609 .1936 v BT /P <>BDC EMC BT ET ET BT BT /P <>BDC /P <>BDC /GS1 gs /P <>BDC 0 Tw ( )Tj .025 Tw ( )Tj -1.113 7.505 l BT .5471 3.6691 .9946 3.8525 1.8008 4.1914 c q 1 0 0 1 156.798 79.632 cm 0 0 m BT .025 Tw 13.5 0 0 13.5 28.3984 745.5474 Tm BT 6.3356 -1.7783 6.4793 -1.6586 6.5112 -1.6215 c EMC EMC 12 0 0 12 28 351.5462 Tm ET [(within the 30-da)13.2(y period, or transfer)-24.9(red to a new)]TJ 0 Tc BT [(follo)13.2(wing tax infor)-37.1(mation on loans that become)]TJ Q BT /TT12 1 Tf -.0047 Tc 12 0 0 12 581.3947 513.6674 Tm )]TJ BT If)-130.9( y)13.2(ou are an in-ser)-39.1(vice)]TJ ET /TT16 1 Tf (in default on the loan. BT ( )Tj EMC -2.2291 1.5956 -3.2896 2.0229 -4.5197 2.0229 c ( )Tj /P <>BDC /P <>BDC 0 Tw BT q 1 0 0 1 166.311 104.723 cm 0 0 m [(If)-130.9( y)13.2(our total outstanding loan balance is not re)-12.2(paid)]TJ 12 0 0 12 285.0134 225.3463 Tm .025 Tw ET ET /GS2 gs Here are some tools and calculators that may help you get a better idea about what you will need. [(appropriate amounts from y)13.2(our pa)13.2(yc)13.2(hec)13.2(ks and pro)13.2(vide)]TJ [(a written request to TRS)38.1(. -8.7419 6.5256 -18.054 1.2038 y 0 Tw 12 0 0 12 28 545.1783 Tm ET S ( )Tj .025 Tw /P <>BDC .025 Tw EMC -.0047 Tc /P <>BDC ET 0 Tw 0 Tw ( )Tj )]TJ EMC ET EMC ET /P <>BDC 12 0 0 12 159.2908 685.4982 Tm /P <>BDC EMC /TT24 1 Tf 8.8242 .6506 8.3384 -.4515 7.3686 -1.2091 c EMC ET 12 0 0 12 28 358.6457 Tm EMC ( )Tj BT /P <>BDC ( )Tj 12 0 0 12 295.9315 287.4254 Tm 0 Tw BT EMC 12 0 0 12 578.4506 419.1783 Tm ( )Tj 12 0 0 12 28.3984 279.7154 Tm /P <>BDC EMC 0 Tw Q S EMC ( )Tj /P <>BDC EMC /P <>BDC /P <>BDC EMC BT ET ( )Tj /P <>BDC EMC ET 0 Tw .025 Tw /P <>BDC .025 Tw ET ET /P <>BDC .025 Tw Q 8.9878 1.7664 9.2649 1.7828 9.6353 1.8167 c 12 0 0 12 335.148 319.1713 Tm ET /P <>BDC 12 0 0 12 285.4951 324.6696 Tm /P <>BDC Paycheck Deduction Information: Gross Salary . 12 0 0 12 316.8 408.0263 Tm BT Do not include Federal, Social Security, Medicare, State or City taxes. [(the retirement allo)13.2(w)13.2(ance y)13.2(ou w)24.9(ould otherwise recei)13.2(v)19(e)19(. 0 Tw ET 12 0 0 12 315 484.6457 Tm [(g)-15.1(enerally recei)13.2(v)19(e)0( paper loan applications b)13.2(y)0( the close )]TJ 12 0 0 12 564.0625 635.1543 Tm EMC EMC 12 0 0 12 46.25 415.2502 Tm 0 792 612 -792 re EMC EMC 0 792.015 612 -792 re ET /P <>BDC BT BT 0 Tw 247 0 obj /P <>BDC BT /P <>BDC ET 10.203 -2.1253 10.235 -2.2133 10.235 -2.3407 c 12 0 0 12 579.3042 518.9896 Tm ET ET 12 0 0 12 28 733.1543 Tm .025 Tw q 1 0 0 1 150.247 81.72 cm 0 0 m EMC q 1 0 0 1 28.398 594.319 cm 0 0 m BT .025 Tw EMC /TT10 1 Tf /P <>BDC 0 Tw BT 10.005 1.8499 10.283 1.8671 10.467 1.8671 c ET ( )Tj 0 Tw 0 Tw endstream [(y)13.2(our loan pa)13.2(yment amount will include the interest)]TJ EMC ET ET ET EMC W n 12 0 0 12 333.5632 300.4517 Tm [(w)24.9(ould ordinarily be applied to an ex)24.9(cess withdra)13.2(w)13.2(a)0(l)]TJ /P <>BDC 0 Tw ( )Tj ET 8.4252 -2.5065 8.0846 -2.4855 7.853 -2.4855 c /P <>BDC [(T)57.1(ax Consequences of Distributions)]TJ [(T)56.1(eac)13.2(hers R)24.9(etirement System of)-130.9( the City of)-130.9( New Y)68.8(ork)]TJ EMC 12 0 0 12 269.2908 499.2502 Tm /P <>BDC 12 0 0 12 316.8 88.0742 Tm 0 Tw 12 0 0 12 315 526.6456 Tm Q ET EMC .025 Tw [(summer months b)13.2(y)0( filing a QPP Loan R)24.9(e)-12.2(pa)13.2(yment)]TJ -2.1535 -.6339 -3.8009 .0629 v BT /P <>BDC 133.2 112.208 74.99 -40.28 re Watch on. 0 Tw -1.4565 -4.5605 -2.3436 -5.3207 v ET 0 Tw /P <>BDC ( )Tj [(amount is $1,000; ho)13.2(w)13.2(e)0(v)19(e)0(r)24.9(,)0( if)-130.9( y)13.2(ou are a Tier III, IV)138.2(, )]TJ BT ET /P <>BDC .025 Tw BT /P <>BDC /P <>BDC BT EMC BT [(QPP loans)38.1(. BT ET BT 12 0 0 12 295.4642 265.7154 Tm 7.0067 8.2896 6.8991 8.4799 6.8116 8.6051 c The $100,000 accrues $10,000 in earnings. EMC [(\(see T)43.9(ax Consequences of)-130.9( Distributions section\). EMC ET BT 0 Tw 0 Tw If)-130.9( y)13.2(ou do not fully re)-12.2(pa)13.2(y any)]TJ 0 Tw 0 Tc /P <>BDC 12 0 0 12 271.4524 429.2503 Tm EMC /P <>BDC -5.9248 -.266 -6.1138 -1.089 -6.1138 -2.0957 c BT 0 0 0 1 K .025 Tw ET EMC ET [(retirement system. /P <>BDC EMC 12 0 0 12 289.1584 581.2023 Tm EMC W n EMC Once)]TJ /P <>BDC EMC ET .025 Tw ET ( )Tj BT BT BT ET Insurance co)13.2(v)19(erag)-15.1(e on y)13.2(our loan)]TJ /TT4 1 Tf (during the previous 12-month period from the)Tj 1 i 12 0 0 12 245.8095 465.2743 Tm 1.8371 .3171 3.8011 -.8874 v BT .025 Tw ( )Tj EMC EMC 12 0 0 12 245.4709 643.1782 Tm ( )Tj 12 0 0 12 28 615.1783 Tm f /P <>BDC EMC EMC ( )Tj 12 0 0 12 316.0983 545.1783 Tm .025 Tw 0 Tw ET EMC EMC /P <>BDC ET ET ET ET /P <>BDC EMC )]TJ .025 Tw 12 0 0 12 316.8 677.5714 Tm BT 12 0 0 12 316.8 361.7153 Tm 208.19 112.208 -74.99 -40.28 re BT EMC 0 Tw BT EMC /P <>BDC .025 Tw 12 0 0 12 29.6567 211.4494 Tm ET EMC ET EMC 0 Tw 9.3121 1.3898 6.1724 .7092 v 143.332 0 l BT [(with the follo)13.2(wing conditions:)]TJ ET /P <>BDC EMC .025 Tw ET 4.8051 14.656 3.2032 15.578 v /GS2 gs EMC EMC ( )Tj BT ET 3.4161 2.4702 4.2083 3.1576 4.8005 3.1576 c ET [(loan is issued. BT /P <>BDC f q 1 0 0 1 28 427.95 cm 0 0 m EMC /P <>BDC /P <>BDC /P <>BDC ET /P <>BDC endobj ET .025 Tw [(are not cur)-24.9(rently in default on a QPP loan and y)13.2(ou meet)]TJ BT BT 12 0 0 12 264.3357 337.5461 Tm ET /P <>BDC EMC ET Before deciding to take a loan from your account, make sure you understand how taking a loan can affect your retirement savings. [(Note: In restriction )]TJ /Artifact <>BDC EMC 0 Tw 11.53 -6.7155 10.262 -8.046 v EMC 39.275 0 l BT BT 0 Tw ( )Tj 12 0 0 12 316.8 725.5714 Tm [(within the 30-da)13.2(y period, or transfer)-24.9(red to a new)]TJ 12 0 0 12 28 489.1783 Tm 0 Tw ET /P <>BDC EMC BT BT ( )Tj 3.1664 -6.2057 3.4276 -6.9747 3.9507 -7.3354 c BT BT (Defaults)Tj f /P <>BDC .025 Tw BT /P <>BDC BT BT 12 0 0 12 46.25 361.2983 Tm EMC ( )Tj EMC 12 0 0 12 270.3822 163.4734 Tm [(y)13.2(our regularly sc)13.2(heduled pa)13.2(yments)38.1(. ET /P <>BDC 12 0 0 12 38.8 623.2023 Tm EMC 12 0 0 12 316.8 367.1473 Tm 12 0 0 12 315 358.6457 Tm BT 208.19 112.208 -74.99 -40.28 re q 1 0 0 1 159.711 106.179 cm 0 0 m EMC 0 J 0 j .75 w 10 M [] 0 d /P <>BDC /P <>BDC 5.192 5.0471 4.5128 4.3673 v BT 12 0 0 12 38.8 443.2503 Tm /P <>BDC EMC EMC 0 Tw BT EMC [(applicable insurance c)13.2(harg)-15.1(es that accr)-32.2(ues from the time)]TJ 13.5 0 0 13.5 491.5171 745.5474 Tm 12 0 0 12 293.3376 263.2983 Tm EMC BT EMC 4.4593 3.2246 5.4935 4.1218 6.2669 4.1218 c /P <>BDC BT EMC EMC /P <>BDC EMC ET /P <>BDC 12 0 0 12 569.593 300.4517 Tm 12 0 0 12 565.7416 677.5714 Tm ET /P <>BDC [(if)-130.9( y)13.2(ou default on the loan. BT Q Fillable & printable NYC TRS LO15 2019 4.8 Satisfied (82 Votes) NYC TRS LO15 2014 4.7 Satisfied (787 Votes) Related searches to form tda application voya nyc deferred comp login 457 deferred compensation plan withdrawals nys deferred comp withdrawal form nyc deferred comp phone number deferred compensation plan voya voya deferred comp 6.6242 1.4022 6.4962 1.042 6.2419 .581 c 12 0 0 12 316.0983 259.2022 Tm BT ET Defaulted loans)]TJ 12 0 0 12 28 705.1542 Tm 12 0 0 12 46.25 409.2743 Tm [(If)-130.9( y)13.2(ou tak)13.2(e a lea)13.2(v)19(e)0( of)-130.9( absence)13.2(, y)13.2(ou automatically qualify)]TJ /P <>BDC /P <>BDC BT .025 Tw EMC /P <>BDC /P <>BDC .024 -1.5247 0 -1.3981 0 -1.202 c If you still have questions, or would like more informationabout the Plan,register to attend the DCP Basics Webinar or call the Plan's Client Service Department at 212.306.7760. .025 Tw ET EMC ( )Tj ( )Tj (3)Tj q 1 0 0 1 157.683 89.179 cm 0 0 m 11.5 0 0 11.5 28 203.6983 Tm ET /P <>BDC ( )Tj )Tj 2.7584 1.4304 2.8815 1.3415 2.8965 1.1638 c 1.722 .015 1.7924 -.2667 1.9355 -.6145 c 13.5 0 0 13.5 116.4008 533.3054 Tm 12 0 0 12 316.8 353.1473 Tm /P <>BDC EMC EMC 0 Tw EMC 12 0 0 12 552.1924 705.5714 Tm ET ( )Tj 12 0 0 12 316.8 144.0742 Tm /P <>BDC 0 0 l EMC 12 0 0 12 28 373.2502 Tm EMC 0 Tw BT -1.0526 -2.6094 -1.1494 -2.5274 -1.1494 -2.3629 c .3803 6.3357 2.7241 7.6649 v ET ET Q 12 0 0 12 288.6193 463.5461 Tm BT 256.298 676.575 97.8 -52.381 re ( )Tj /P <>BDC In addition to earning a retirement allowance through the Qualified Pension Plan, members may build their personal savings through participation in TRS' Tax-Deferred Annuity (TDA) Program. S 3.6851 8.8563 5.1495 9.5709 6.5228 9.5709 c ( )Tj 0 6.4744 .3689 7.2379 1.1066 7.7749 c [(interest\). /P <>BDC 0 0 l 8.8327 -5.1446 7.8616 -6.1638 v 0 Tw BT ( )Tj BT .8011 -5.0505 .4908 -4.0159 v .025 Tw /TT6 1 Tf /P <>BDC ET /P <>BDC ET EMC 2.0151 9.8824 2.1275 9.6529 2.1275 9.1954 c ET 0 Tw (5)Tj ET -.3075 3.4082 .1248 3.5242 .4591 3.6409 c Exceeding these limits could result in significant tax consequences for you. 0 Tw /P <>BDC ET 0 Tw 12 0 0 12 286.6669 177.7634 Tm [(\(see T)43.9(ax Consequences of)-130.9( Distributions section\). 4.5762 -2.86 l EMC EMC EMC EMC ( )Tj -4.3912 1.5497 -5.086 1.1583 -5.5456 .3755 c [(pa)13.2(yroll deductions)38.1(. /GS1 gs (, the QPP account)Tj EMC EMC -.0047 Tc ET 0 Tw EMC 0 Tw .025 Tw /P <>BDC ET 12 0 0 12 314.5021 207.0616 Tm ET EMC BT /P <>BDC 0 Tw .025 Tw BT BT .025 Tw BT EMC The New York State VDC program is a flexible, rapid-vesting alternative to defined benefit (DB) pension plans. .025 Tw ( I)Tj .025 Tw [(mak)13.2(e monthly pa)13.2(yments in all cases)38.1(. -9.9867 -2.9669 -10.399 -1.7271 v EMC /GS2 gs BT EMC BT ET BT [(new loan, TRS will issue y)13.2(ou a c)13.2(hec)13.2(k in the)]TJ EMC ET 12 0 0 12 268.6048 449.2263 Tm 0 Tw /P <>BDC (a\))Tj /P <>BDC [(IRS)38.1(. f 0 11.808 l /P <>BDC 12 0 0 12 574.1427 220.0503 Tm 12 0 0 12 297.359 431.3533 Tm BT BT EMC BT 0 Tc (C)Tj 0 Tw ET 0 Tw /P <>BDC EMC BT ET BT .025 Tw ET BT EMC 12 0 0 12 411.0693 245.7634 Tm ( )Tj BT /TT4 1 Tf /P <>BDC .025 Tw BT 12 0 0 12 385.4543 525.6194 Tm .8 w ET BT BT /Artifact <>BDC ET EMC 0 0 0 0 k /P <>BDC Q ET 0 792 612 -792 re EMC /P <>BDC 0 Tw 12 0 0 12 28 442.6457 Tm ET 0 Tw /P <>BDC If)-130.9( any)]TJ /P <>BDC /P <>BDC 133.2 112.208 m EMC 12 0 0 12 559.2491 273.2022 Tm ET 12 0 0 12 283.5056 361.2983 Tm ( )Tj TRS m)13.2(ust recei)13.2(v)19(e)]TJ BT endobj /P <>BDC 1.8024 9.5725 2.049 9.805 2.1681 9.805 c 0 Tw .025 Tw [(eligible for rollo)13.2(v)19(e)0(r)38.1(. 12 0 0 12 570.8428 220.0503 Tm EMC ( )Tj BT /P <>BDC ( )Tj EMC ET [(mak)13.2(e a lump-sum pa)13.2(yment in J)24.9(une or J)24.9(uly \(after summer)]TJ 0 Tw 1.2571 11.088 1.5643 11.486 1.8659 11.888 c 0 Tw /P <>BDC 12 0 0 12 290.5225 409.2502 Tm ET BT ET /P <>BDC ( )Tj /P <>BDC ( )Tj /TT10 1 Tf ET The $50,000 maximum applies to all accounts and members taking DCLP loans are required to have the Police Pension Fund certify their highest outstanding balance within the last twelve (12) months. endobj Loans are processed within three to five business days and funds are sent out two business days after processing. BT EMC Editing nyc deferred comp loan online pdfFiller User Ratings on G2 pdfFiller User Ratings on G2 To use our professional PDF editor, follow these steps: Set up an account. /Artifact <>BDC EMC EMC ( )Tj 0 Tw ( )Tj BT EMC ET ET -.0047 Tc We have answers to the most popular questions from our customers. ET 0 Tw ET EMC ( )Tj EMC BT 11.5 0 0 11.5 326.6284 224.4757 Tm 12 0 0 12 261.5127 705.1542 Tm ET ET 0 Tw EMC ET EMC /P <>BDC [(immediately preceding y)13.2(our effecti)13.2(v)19(e)0( retirement date to)]TJ [(da)13.2(y prior to y)13.2(our effecti)13.2(v)19(e)0( retirement date)19(. 11.5 0 0 11.5 315 594.6217 Tm 12 0 0 12 550.6467 258.4517 Tm 133.2 112.208 74.99 -40.28 re 12 0 0 12 316.0983 705.1542 Tm /P <>BDC EMC .025 Tw /P <>BDC 3.1662 9.0962 3.3551 8.9063 3.7346 8.9063 c EMC /P <>BDC BT BT /P <>BDC .025 Tw -.0047 Tc .025 Tw ET .025 Tw [(infor)-37.1(mation will be pro)13.2(vided to the IRS \(see T)43.9(ax)]TJ BT [(minim)13.2(um amount of)-130.9( $10. -4.6103 -.2423 -4.0766 1.165 v EMC Q [(Ne)8.3(w Y)55.6(o)-.5(rk Stat)13.7(e P)8.3(a)16.6(yr)5.4(oll)]TJ q 1 0 0 1 144.423 97.395 cm 0 0 m Q BT EMC .025 Tw .025 Tw -2.2479 -12.398 l .025 Tw EMC ( )Tj .5067 -21.16 -10.896 -20.905 v [(be closed and y)13.2(our QPP accum)13.2(ulations a)13.2(v)19(ailable for)]TJ 3.1808 4.6409 3.2896 4.5433 3.2896 4.3505 c BT .025 Tw EMC ET ( )Tj EMC 0 Tw ET EMC Q 0 Tw ( )Tj 0 Tw BT 12 0 0 12 554.0049 197.2263 Tm [(responsible for any dela)13.2(ys or loss through mailing)43.9(. 0 Tw ET 12 0 0 12 28 421.2262 Tm /P <>BDC 0 Tw BT 0 Tw [(lump-sum pa)13.2(yment without a written request, y)13.2(our)]TJ 0 Tw /P <>BDC 12 0 0 12 28 225.3463 Tm BT BT /Artifact <>BDC /P <>BDC 0 Tw ET EMC /P <>BDC .7395 -5.5097 1.1118 -5.2913 1.0526 -5.2913 c BT ( )Tj ( )Tj 12 0 0 12 563.4756 479.6914 Tm /TT4 1 Tf [(\(whic)13.2(h are classified as deemed distributions\) are not)]TJ q 1 0 0 1 480.94 68.968 cm 0 0 m EMC 0 Tw /P <>BDC )]TJ endobj ( )Tj /P <>BDC ET ( )Tj ET .025 Tw ET ( )Tj ( )Tj BT 0 Tw ( )Tj 12 0 0 12 302.9514 240.6696 Tm -3.8827 .291 -6.9888 1.7956 v .025 Tw /P <>BDC EMC (retirement system:)Tj 12 0 0 12 105.6906 725.5714 Tm 12 0 0 12 46.25 423.2743 Tm 0 Tw [(a)13.2(v)19(ailable for withdra)13.2(w)13.2(al. EMC 0 Tw [(T)56.2(eac)13.2(hers \(UFT\) or the Council of)-130.9( Sc)13.2(hool Super)-39.1(visors &)]TJ ET /P <>BDC 12 0 0 12 568.5095 217.7634 Tm ET EMC /TT12 1 Tf 12 0 0 12 459.0796 368.4037 Tm EMC /P <>BDC ET ET ET EMC BT /P <>BDC 1.5429 .6943 .8485 0 0 0 c ( )Tj /P <>BDC ET 0 Tw ( )Tj ET /P <>BDC /P <>BDC BT /P <>BDC 12 0 0 12 46.25 553.2023 Tm ( )Tj ( )Tj BT .025 Tw .025 Tw 12 0 0 12 327.6 595.6194 Tm ( )Tj ( )Tj ET )]TJ EMC /P <>BDC ET BT 12 0 0 12 316.8 339.1472 Tm ET Ho)13.2(w)13.2(e)0(v)19(e)0(r)24.9(,)0( for a loan tak)13.2(en at)]TJ 0 Tw /P <>BDC 12 0 0 12 327.6 480.0194 Tm /TT12 1 Tf 12 0 0 12 278.1896 456.6457 Tm BT /P <>BDC ET ET BT BT BT -.0047 Tc /P <>BDC 12 0 0 12 316.8 105.7634 Tm .4191 2.8107 .7619 2.9513 1.3792 3.2108 c /P <>BDC ET EMC BT 12 0 0 12 316.8 217.7634 Tm EMC .025 Tw BT 0 0 0 .45 k 12 0 0 12 28 525.2023 Tm )0( )]TJ /P <>BDC 12 0 0 12 46.25 575.2263 Tm /P <>BDC 12 0 0 12 562.4076 540.6456 Tm ET BT /P <>BDC .025 Tw ( )Tj 0 Tw ET .025 Tw f EMC ET <>stream 1.446 -12.567 1.2413 -12.47 1.2413 -12.276 c BT /P <>BDC /P <>BDC ET Q ( )Tj EMC 12 0 0 12 582.3705 375.7154 Tm 12 0 0 12 315 712.5977 Tm 0 Tw BT 12 0 0 12 253.8357 239.3463 Tm /TT12 1 Tf 12 0 0 12 316.8 677.5714 Tm 12 0 0 12 316.0983 315.2022 Tm /P <>BDC EMC EMC ET 12 0 0 12 555.1603 301.2022 Tm ET Eac)13.2(h loan is treated inde)-12.2(pendently )]TJ -5.7322 2.0229 -6.6388 1.512 -7.2386 .4901 c ( )Tj .025 Tw 8.9282 4.9316 8.7519 6.0598 8.4019 6.7635 c Q ET BT /P <>BDC [(resign or are ter)-37.1(minated, y)13.2(ou will be gi)13.2(v)19(en a 30-da)13.2(y)]TJ 0 0 0 1 K /TT4 1 Tf EMC BT EMC This plan is administered by The Office of Labor Relations (OLR). 0 Tw /P <>BDC q 1 0 0 1 278.547 636.798 cm 0 0 m 12 0 0 12 265.79 561.6194 Tm 12 0 0 12 262.1341 609.2023 Tm EMC .025 Tw BT 13.89 -14.577 13.193 -14.577 v .025 Tw BT /P <>BDC .025 Tw 0 Tw /P <>BDC EMC BT BT EMC 0 -1.0719 -.8689 -1.9406 -1.9406 -1.9406 c -.0047 Tc 12 0 0 12 106.4359 489.1783 Tm \(If)-130.9( y)13.2(ou are emplo)19(yed b)13.2(y)0( the United)]TJ q 1 0 0 1 315 745.298 cm 0 0 m )Tj EMC /P <>BDC BT /P <>BDC 12 0 0 12 28 470.6456 Tm /P <>BDC /P <>BDC ET ET 12 0 0 12 295.3623 282.6696 Tm /P <>BDC BT [(If)-130.9( y)13.2(ou are )]TJ -.3534 -6.7341 l /P <>BDC q 1 0 0 1 316.8 393.167 cm 0 0 m [(If)-130.9( y)13.2(our total outstanding loan balance is not re)-12.2(paid)]TJ 0 Tc /P <>BDC EMC [(Please note the follo)13.2(wing tax infor)-37.1(mation on loans )]TJ

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