<div dir="ltr"><div><span id="gmail-docs-internal-guid-3d408e52-7fff-609b-6236-4d309428d152"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;font-weight:700;font-style:italic;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">SENT ON BEHALF OF THE NYS DEFERRED COMPENSATION PLAN</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><br></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:13.5pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">The NYS Deferred Compensation Plan is a voluntary retirement savings plan offered by New York State and your employer, to allow public employees like you to put aside money from each paycheck toward retirement. The Plan can help bridge the gap between what you have in your pension and Social Security, and how much you’ll need in retirement.</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:13.5pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><ol style="margin-top:0px;margin-bottom:0px"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline;white-space:pre;margin-left:1pt"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt" role="presentation"><span style="font-size:16pt;color:rgb(68,114,196);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Tax Efficient Retirement Income- </span><span style="font-size:14pt;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Wednesday, February 19, 2025 12:00 PM</span><span style="font-size:16pt;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">:</span><span style="font-size:14pt;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span><span style="font-size:14pt;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Join us for a conversation about important considerations as you get closer to retirement. Offer strategies to implement while participants are accumulating future sources of tax-deferred, tax free and taxable retirement income. For those ready to retire, learn withdrawal sequencing strategies to help optimize Social Security benefits, lower taxes, extend the longevity of a retirement portfolio and improve tax impacts on widows and heirs. All are welcome to participate.</span></p></li></ol><p dir="ltr" style="line-height:1.38;text-align:center;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">     </span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"><span class="gmail-Apple-tab-span" style="text-wrap-mode: nowrap;">      </span></span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Please use this link to sign up for the Webinar and please</span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"><span class="gmail-Apple-tab-span" style="text-wrap-mode: nowrap;">      </span></span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">register ahead of time</span></p><p dir="ltr" style="line-height:1.38;margin-left:36pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">( you may need to cut and paste the link into your browser):</span></p><p dir="ltr" style="line-height:1.38;margin-left:36pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-left:36pt;margin-top:0pt;margin-bottom:0pt"><a href="https://events.teams.microsoft.com/event/61455714-6a1a-49b6-baad-7a78547115bb@22140e4c-d390-45c2-b297-a26c516dc461" style="text-decoration-line:none"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;text-decoration-line:underline;vertical-align:baseline">https://events.teams.microsoft.com/event/61455714-6a1a-49b6-baad-7a78547115bb@22140e4c-d390-45c2-b297-a26c516dc461</span></a></p><p dir="ltr" style="line-height:1.38;margin-left:18pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-left:23pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:16pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">2)</span><span style="font-size:7pt;font-family:"Times New Roman",serif;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">   </span><span style="font-size:16pt;font-family:Arial,sans-serif;color:rgb(68,114,196);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Enrollment Webinar</span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(68,114,196);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">: </span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Thursday, February 27</span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"><span style="font-size:0.6em;vertical-align:super">th</span></span><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">, 2025 at 12PM</span><span style="font-size:16pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">: </span><span style="font-size:16pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">We will go over the basics of investing with Deferred Compensation as well as how to enroll.</span></p><p dir="ltr" style="line-height:1.38;margin-left:36pt;text-align:center;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Please use this link to sign up for the Enrollment Webinar and please register ahead of time</span></p><p dir="ltr" style="line-height:1.38;margin-left:36pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">( you may need to cut and paste the link into your browser):</span></p><p dir="ltr" style="line-height:1.38;margin-left:18pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-left:18pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">       </span><a href="https://events.teams.microsoft.com/event/7b060d4f-2fb0-4aed-b7a3-d1cebdce1920@22140e4c-d390-45c2-b297-a26c516dc461" style="text-decoration-line:none"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;text-decoration-line:underline;vertical-align:baseline">https://events.teams.microsoft.com/event/7b060d4f-2fb0-4aed-b7a3-d1cebdce1920@22140e4c-d390-45c2-b297-a26c516dc461</span></a></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-left:5pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><ol style="margin-top:0px;margin-bottom:0px" start="3"><li dir="ltr" style="list-style-type:decimal;font-size:11pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline;white-space:pre;margin-left:1pt"><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt" role="presentation"><span style="font-size:16pt;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Link to use to make a </span><span style="font-size:16pt;color:rgb(68,114,196);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">phone appointment </span><span style="font-size:16pt;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">with Mike- if you can’t attend the webinar, or you need individual help with your account</span><span style="font-size:14pt;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">: </span><span style="font-size:12pt;color:rgb(0,0,0);background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">( you may need to cut and paste the link into your browser):</span></p></li></ol><p dir="ltr" style="line-height:1.38;margin-left:23pt;margin-top:0pt;margin-bottom:0pt"><span style="font-size:16pt;font-family:Arial,sans-serif;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-left:23pt;margin-top:0pt;margin-bottom:0pt"><a href="https://outlook.office365.com/owa/calendar/MikeKochan@onyourside.onmicrosoft.com/bookings/" style="text-decoration-line:none"><span style="font-size:14pt;font-family:Arial,sans-serif;color:rgb(0,0,255);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;text-decoration-line:underline;vertical-align:baseline">Mike Kochan appointments (office365.com)</span></a></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:14pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Michael Kochan- Account Executive</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(83,129,53);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">New York State Deferred Compensation Plan</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Cell- 518-986-3342</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:11pt;font-family:Arial,sans-serif;background-color:transparent;font-weight:700;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Book a phone appointment with me</span><span style="font-size:11pt;font-family:Arial,sans-serif;background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">: </span><a href="https://outlook.office365.com/owa/calendar/MikeKochan@onyourside.onmicrosoft.com/bookings/" style="text-decoration-line:none"><span style="font-size:11pt;font-family:Arial,sans-serif;color:rgb(0,0,255);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;text-decoration-line:underline;vertical-align:baseline">Mike Kochan appointments (office365.com)</span></a></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline"> </span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(0,0,0);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Website :  </span><a href="https://www.nysdcp.com/rsc-web-preauth/index.html" style="text-decoration-line:none"><span style="font-size:11pt;font-family:Arial,sans-serif;color:rgb(0,0,255);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;text-decoration-line:underline;vertical-align:baseline">New York State Deferred Compensation (nysdcp.com)</span></a></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(83,129,53);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">HELPLINE: 1-800-422-8463</span></p><p dir="ltr" style="line-height:1.38;margin-top:0pt;margin-bottom:0pt"><span style="font-size:12pt;font-family:Arial,sans-serif;color:rgb(83,129,53);background-color:transparent;font-variant-numeric:normal;font-variant-east-asian:normal;font-variant-alternates:normal;vertical-align:baseline">Fax- 1-877-677-4329</span></p><div><br clear="all"></div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div dir="ltr"><b>HUMAN RESOURCE & PAYROLL SERVICES</b></div><div dir="ltr"><font size="2">912 Kehoe Building</font><p style="margin:0px;line-height:normal;font-family:Arial"><span style="color:rgb(0,0,0)"><font size="2"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="color:rgb(17,85,204)" target="_blank">101 Broad Street</a></font></span></p><p style="margin:0px;line-height:normal;font-family:Arial"><span style="color:rgb(0,0,0)"><font size="2"><a href="https://maps.google.com/?q=101+Broad+Street+Plattsburgh,+NY+12901&entry=gmail&source=g" style="color:rgb(17,85,204)" target="_blank">Plattsburgh, NY 12901</a></font></span></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><font size="2">(o) 518-564-5062</font></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><font size="2">(f) 518-564-5060</font></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><b><font size="2"><a href="http://plattsburgh.edu/" style="color:rgb(17,85,204)" target="_blank">plattsburgh.edu</a></font></b></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><b><br></b></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><img src="https://web.plattsburgh.edu/files/914/images/SUNY-Plattsburgh-Email-Logo-2018.jpg"><br></p><p style="color:rgb(0,0,0);margin:0px;line-height:normal;font-family:Arial"><br></p><div><br></div><div><b style="color:rgb(0,0,0);font-family:Arial"><font size="2"><a href="http://plattsburgh.edu/hr" style="color:rgb(17,85,204)" target="_blank">Human Resource Services webpage - plattsburgh.edu/hr</a></font></b></div></div></div></div></div></span></div></div>