<div dir="ltr"><div><div class="gmail-WordSection1" style="page: WordSection1;">
<p class="gmail-MsoBodyText" style="margin:13.95pt 8.7pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">The State
University of New York (“SUNY”) provides employees with the opportunity to save
for their retirement through<span style="letter-spacing:-0.1pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>SUNY<span style="letter-spacing:-0.15pt"> </span>Voluntary<span style="letter-spacing:-0.1pt"> </span>403(b)<span style="letter-spacing:-0.05pt">
</span>Savings<span style="letter-spacing:-0.1pt"> </span>Plan<span style="letter-spacing:-0.25pt"> </span>(the<span style="letter-spacing:-0.2pt"> </span>“Plan”).<span style="letter-spacing:-0.1pt"> </span>Participation<span style="letter-spacing:-0.1pt"> </span>in<span style="letter-spacing:-0.25pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>SUNY<span style="letter-spacing:-0.15pt"> </span>Voluntary
Savings Plan<span style="letter-spacing:-0.15pt"> </span>is<span style="letter-spacing:-0.1pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>great<span style="letter-spacing:-0.05pt"> </span>way<span style="letter-spacing:-0.1pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>build your retirement savings through
pre-tax and/or post-tax payroll deduction contributions.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.55pt 8.7pt 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Whether<span style="letter-spacing:-0.15pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>want<span style="letter-spacing:-0.05pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>enroll<span style="letter-spacing:-0.15pt"> </span>in<span style="letter-spacing:-0.1pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>plan<span style="letter-spacing:-0.2pt"> </span>for<span style="letter-spacing:-0.15pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>first<span style="letter-spacing:-0.05pt"> </span>time,<span style="letter-spacing:-0.1pt"> </span>or<span style="letter-spacing:-0.05pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>are<span style="letter-spacing:-0.1pt"> </span>already<span style="letter-spacing:-0.2pt">
</span>enrolled<span style="letter-spacing:-0.1pt"> </span>but<span style="letter-spacing:-0.05pt"> </span>wish<span style="letter-spacing:-0.2pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>change<span style="letter-spacing:-0.1pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>amount<span style="letter-spacing:-0.05pt">
</span>of your deferral, you can do so through the SUNY online enrollment and
management system at <a href="http://www.retirementatwork.org/suny"><span style="color:blue">www.retirementatwork.org/suny</span><span style="color:windowtext;text-decoration-line:none">.</span></a> For more<span style="letter-spacing:-0.05pt"> </span>information, visit the <a href="http://www.suny.edu/benefits/vsp/"><span style="color:blue">SUNY Benefits
Website</span><span style="color:windowtext;text-decoration-line:none">.</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h3 style="margin:0in 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif;letter-spacing:-0.1pt">ELIGIBILITY</span><span style="font-family:Cambria,serif"></span></h3>
<p class="gmail-MsoBodyText" style="margin:0.05pt 8.7pt 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">All<span style="letter-spacing:-0.1pt"> </span>employees<span style="letter-spacing:-0.15pt">
</span>of<span style="letter-spacing:-0.1pt"> </span>SUNY<span style="letter-spacing:-0.2pt"> </span>(state-operated<span style="letter-spacing:-0.15pt"> </span>and<span style="letter-spacing:-0.15pt"> </span>community<span style="letter-spacing:-0.15pt"> </span>colleges)<span style="letter-spacing:-0.1pt"> </span>who<span style="letter-spacing:-0.15pt"> </span>receive<span style="letter-spacing:-0.15pt">
</span>compensation<span style="letter-spacing:-0.3pt"> </span>reportable<span style="letter-spacing:-0.15pt"> </span>on<span style="letter-spacing:-0.3pt"> </span>an<span style="letter-spacing:-0.15pt"> </span>IRS<span style="letter-spacing:-0.2pt"> </span>Form
W-2 are eligible to participate in the Plan.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.65pt 8.7pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Please take
a moment to review the Plan materials before enrolling, available at <a href="http://www.suny.edu/benefits/vsp/"><span style="color:blue">www.suny.edu/benefits/vsp/</span><span style="color:windowtext;text-decoration-line:none">.</span></a>
Once you are<span style="letter-spacing:-0.1pt"> </span>enrolled,<span style="letter-spacing:-0.1pt"> </span>you<span style="letter-spacing:-0.25pt"> </span>can<span style="letter-spacing:-0.25pt"> </span>review<span style="letter-spacing:-0.15pt">
</span>and<span style="letter-spacing:-0.1pt"> </span>change<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>amount<span style="letter-spacing:-0.05pt"> </span>of<span style="letter-spacing:-0.05pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>contributions<span style="letter-spacing:-0.1pt"> </span>as<span style="letter-spacing:-0.1pt"> </span>often<span style="letter-spacing:-0.1pt"> </span>as<span style="letter-spacing:-0.1pt"> </span>once<span style="letter-spacing:-0.1pt"> </span>per<span style="letter-spacing:-0.05pt"> </span>pay<span style="letter-spacing:-0.1pt"> </span>period,<span style="letter-spacing:-0.1pt">
</span>in<span style="letter-spacing:-0.25pt"> </span>accordance with your
campus payroll deadlines for submitting changes, through the SUNY online
enrollment and management system at <a href="http://www.retirementatwork.org/suny"><span style="color:blue">www.retirementatwork.org/suny</span></a>*.
The exact date your investment allocations will take effect may vary depending
upon your payroll system deadlines and the policies of the Investment Provider
you chose for Plan <span style="letter-spacing:-0.1pt">contributions.</span></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<p class="gmail-MsoBodyText" style="margin:0in 8.7pt 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">In addition<span style="letter-spacing:-0.05pt"> </span>to<span style="letter-spacing:-0.05pt"> </span>the SUNY 403(b) plan, the NYS Deferred
Compensation 457 Plan<span style="letter-spacing:-0.05pt"> </span>(NYSDCP) also
provides a way for you to contribute<span style="letter-spacing:-0.2pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>retirement<span style="letter-spacing:-0.05pt"> </span>account<span style="letter-spacing:-0.05pt">
</span>on<span style="letter-spacing:-0.1pt"> </span>both<span style="letter-spacing:-0.25pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>pre-tax<span style="letter-spacing:-0.25pt"> </span>(Traditional)<span style="letter-spacing:-0.2pt"> </span>and<span style="letter-spacing:-0.1pt"> </span>post-tax<span style="letter-spacing:-0.1pt"> </span>(Roth)<span style="letter-spacing:-0.05pt">
</span>basis<span style="letter-spacing:-0.2pt"> </span>through<span style="letter-spacing:-0.1pt"> </span>payroll<span style="letter-spacing:-0.05pt">
</span>deduction.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.6pt 8.7pt 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Through<span style="letter-spacing:-0.25pt"> </span>the<span style="letter-spacing:-0.2pt"> </span>pre-tax<span style="letter-spacing:-0.1pt"> </span>options<span style="letter-spacing:-0.1pt">
</span>(Traditional),<span style="letter-spacing:-0.1pt"> </span>your<span style="letter-spacing:-0.2pt"> </span>contributions,<span style="letter-spacing:-0.1pt"> </span>plus<span style="letter-spacing:-0.2pt"> </span>earnings<span style="letter-spacing:-0.1pt"> </span>are<span style="letter-spacing:-0.1pt"> </span>not<span style="letter-spacing:-0.05pt"> </span>taxed<span style="letter-spacing:-0.1pt"> </span>until<span style="letter-spacing:-0.05pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>withdraw<span style="letter-spacing:-0.15pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>funds.
Distributions are considered ordinary income for tax purposes.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.65pt 0in 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Through<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>post-tax<span style="letter-spacing:-0.2pt"> </span>(Roth) option,<span style="letter-spacing:-0.2pt"> </span>your<span style="letter-spacing:-0.15pt"> </span>contributions<span style="letter-spacing:-0.15pt"> </span>are<span style="letter-spacing:-0.15pt"> </span>taxed<span style="letter-spacing:-0.05pt"> </span>at the<span style="letter-spacing:-0.05pt">
</span>time<span style="letter-spacing:-0.05pt"> </span>you<span style="letter-spacing:-0.2pt"> </span>make<span style="letter-spacing:-0.05pt"> </span>them.<span style="letter-spacing:-0.05pt"> </span>Earnings<span style="letter-spacing:-0.05pt">
</span>are<span style="letter-spacing:-0.15pt"> </span>income<span style="letter-spacing:-0.15pt"> </span>tax-free upon qualified distribution, if
you have attained age 59 ½ and it has been at least five taxable years since
the initial Roth <span style="letter-spacing:-0.1pt">deposit.</span></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h3 style="line-height:12.6pt;margin:0in 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">HOW<span style="letter-spacing:-0.15pt"> </span>MUCH<span style="letter-spacing:-0.1pt"> </span>CAN<span style="letter-spacing:-0.2pt"> </span>I<span style="letter-spacing:-0.1pt"> CONTRIBUTE?</span></span></h3>
<p class="MsoNormal" style="margin:0in 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">For<span style="letter-spacing:-0.1pt"> </span>2026<span style="letter-spacing:-0.25pt"> </span>you
can contribute<span style="letter-spacing:-0.15pt"> </span>up<span style="letter-spacing:-0.15pt"> </span>to<span style="letter-spacing:-0.25pt"> </span><b>$24,<span style="letter-spacing:-0.1pt"> </span>500<span style="letter-spacing:-0.1pt"> </span></b>per<span style="letter-spacing:-0.05pt">
</span><span style="letter-spacing:-0.1pt">year. </span></span></p><p class="MsoNormal" style="margin:0in 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"><span style="letter-spacing:-0.1pt"><br></span></span></p><p class="MsoNormal" style="margin:0in 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"><span style="letter-spacing:-0.1pt">If you are age 50 or older anytime in 2026</span>,<span style="letter-spacing:-0.1pt"> </span>you<span style="letter-spacing:-0.25pt"> </span>can<span style="letter-spacing:-0.1pt"> </span>contribute<span style="letter-spacing:-0.1pt"> </span>an<span style="letter-spacing:-0.1pt"> </span>additional<span style="letter-spacing:-0.2pt"> </span><b>$8,000*<span style="letter-spacing:-0.25pt"> </span></b>from<span style="letter-spacing:-0.05pt">
</span>the<span style="letter-spacing:-0.1pt"> </span>standard<span style="letter-spacing:-0.25pt"> </span>contribution,<span style="letter-spacing:-0.1pt"> </span>for<span style="letter-spacing:-0.2pt"> </span>a maximum of <b>$32,500</b>.</span></p>
<p class="MsoNormal" style="margin:12.6pt 8.7pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Individuals<span style="letter-spacing:-0.05pt"> </span>60<span style="letter-spacing:-0.05pt"> </span>–<span style="letter-spacing:-0.2pt"> </span>63<span style="letter-spacing:-0.05pt"> </span>(age<span style="letter-spacing:-0.05pt"> </span>at
the<span style="letter-spacing:-0.15pt"> </span>end<span style="letter-spacing:-0.1pt"> </span>of<span style="letter-spacing:-0.15pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>calendar<span style="letter-spacing:-0.15pt">
</span>year),</span><span style="font-family:Cambria,serif;letter-spacing:-0.2pt"> </span><span style="font-family:Cambria,serif">can<span style="letter-spacing:-0.2pt"> </span>contribute<span style="letter-spacing:-0.05pt"> </span>an<span style="letter-spacing:-0.2pt"> </span>additional
$<b>11,250*<span style="letter-spacing:-0.05pt"> </span></b>from<span style="letter-spacing:-0.15pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>standard contribution, for a maximum of <b>$35,750.</b></span></p>
<p class="MsoNormal" style="margin:11.7pt 8.7pt 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-size:10pt;font-family:Cambria,serif">*<b><span style="color:rgb(69,69,69)">2025 FICA earnings $150,000 and over,
beginning in 2026 <u>ALL</u> catch-up
contributions must be Roth (after-tax)</span></b><span style="color:rgb(69,69,69)">.
(<i>FICA earnings<span style="letter-spacing:-0.05pt"> </span>can<span style="letter-spacing:-0.05pt"> </span>be found in<span style="letter-spacing:-0.05pt"> </span>box<span style="letter-spacing:-0.1pt"> </span>3
on your<span style="letter-spacing:-0.05pt"> </span>W-2 form</i>).<span style="letter-spacing:2pt"> </span>Investment provider is<span style="letter-spacing:-0.05pt"> </span>available to<span style="letter-spacing:-0.05pt"> </span>assist you with questions<span style="letter-spacing:-0.05pt"> </span>on
Roth. Education and<span style="letter-spacing:-0.05pt"> </span>assistance<span style="letter-spacing:-0.1pt"> </span>will<span style="letter-spacing:-0.1pt"> </span>be<span style="letter-spacing:-0.1pt"> </span>available<span style="letter-spacing:-0.1pt">
</span>throughout<span style="letter-spacing:-0.1pt"> </span>2026.<span style="letter-spacing:2pt"> </span>Please<span style="letter-spacing:-0.1pt"> </span>also<span style="letter-spacing:-0.05pt"> </span>consult<span style="letter-spacing:-0.1pt">
</span>with<span style="letter-spacing:-0.05pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>tax<span style="letter-spacing:-0.05pt"> </span>advisor<span style="letter-spacing:-0.05pt"> </span>as<span style="letter-spacing:-0.25pt"> </span>Roth<span style="letter-spacing:-0.05pt"> </span>(after<span style="letter-spacing:-0.05pt">
</span>tax)<span style="letter-spacing:-0.2pt"> </span>contributions<span style="letter-spacing:-0.25pt"> </span>could<span style="letter-spacing:-0.05pt">
</span>affect your tax planning.</span></span></p>
<p class="gmail-MsoBodyText" style="margin:11.35pt 0in 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Each
participant is limited to these maximum contribution amounts for all 403(b) and
457 plans, respectively. SUNY employees<span style="letter-spacing:-0.05pt"> </span>are<span style="letter-spacing:-0.15pt"> </span>eligible<span style="letter-spacing:-0.15pt">
</span>to<span style="letter-spacing:-0.2pt"> </span>maximize<span style="letter-spacing:-0.05pt"> </span>contributions<span style="letter-spacing:-0.15pt"> </span>to<span style="letter-spacing:-0.05pt"> </span>both<span style="letter-spacing:-0.05pt"> </span>the<span style="letter-spacing:-0.05pt"> </span>SUNY<span style="letter-spacing:-0.1pt"> </span>VSP<span style="letter-spacing:-0.1pt"> </span>and<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>NYSDCP<span style="letter-spacing:-0.05pt"> </span>concurrently.<span style="letter-spacing:-0.05pt"> </span>However,<span style="letter-spacing:-0.2pt"> </span>if you also
participate in a 403(b) or 457 plan with another employer in the same plan
year, you are responsible for tracking and reporting<span style="letter-spacing:-0.25pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>amount<span style="letter-spacing:-0.05pt"> </span>of<span style="letter-spacing:-0.05pt"> </span>all<span style="letter-spacing:-0.2pt"> </span>of<span style="letter-spacing:-0.05pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>contributions<span style="letter-spacing:-0.2pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>the<span style="letter-spacing:-0.2pt"> </span>plans<span style="letter-spacing:-0.1pt"> </span>so<span style="letter-spacing:-0.25pt"> </span>that<span style="letter-spacing:-0.05pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>total<span style="letter-spacing:-0.05pt"> </span>amount<span style="letter-spacing:-0.05pt"> </span>of<span style="letter-spacing:-0.05pt"> </span>all<span style="letter-spacing:-0.05pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>annual<span style="letter-spacing:-0.05pt"> </span>contributions<span style="letter-spacing:-0.1pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>all 403(b) plans
and to all 457 plans in which you participate do not exceed the respective
limit for each type of plan. 457 Plans may also offer, for eligible
participants, the Special Retirement Catch-up Provision for contributions
within 3 years of your elected normal retirement age.</span></p>
<p class="gmail-MsoBodyText" style="margin:0.1pt 0in 0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<p class="gmail-MsoBodyText" style="margin:0in 0.9pt 0.0001pt 0.25in;line-height:107%;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">A special limit may apply to your
contributions if you “control” (meaning you have more than a 50% ownership
interest) in another business and you participate in its retirement plan. In
determining the annual limit for all contributions described<span style="letter-spacing:-0.1pt"> </span>above,<span style="letter-spacing:-0.1pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>must<span style="letter-spacing:-0.2pt"> </span>include<span style="letter-spacing:-0.2pt"> </span>all<span style="letter-spacing:-0.05pt"> </span>contributions<span style="letter-spacing:-0.2pt"> </span>made<span style="letter-spacing:-0.1pt"> </span>on<span style="letter-spacing:-0.1pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>behalf<span style="letter-spacing:-0.2pt"> </span>under<span style="letter-spacing:-0.05pt"> </span>any<span style="letter-spacing:-0.1pt"> </span>defined<span style="letter-spacing:-0.1pt">
</span>contribution<span style="letter-spacing:-0.25pt"> </span>plans<span style="letter-spacing:-0.1pt"> </span>maintained</span></p>
</div>
<span style="font-size:11pt;line-height:107%;font-family:Cambria,serif"><br clear="all" style="break-before:page">
</span>
<p class="gmail-MsoBodyText" style="margin:3.85pt 7.6pt 0.0001pt 17.95pt;text-align:justify;line-height:107%;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">by<span style="letter-spacing:-0.1pt"> </span>the<span style="letter-spacing:-0.2pt"> </span>other<span style="letter-spacing:-0.05pt"> </span>business<span style="letter-spacing:-0.1pt"> </span>that<span style="letter-spacing:-0.05pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>control.<span style="letter-spacing:-0.1pt">
</span>You<span style="letter-spacing:-0.1pt"> </span>are<span style="letter-spacing:-0.2pt"> </span>required<span style="letter-spacing:-0.1pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>inform<span style="letter-spacing:-0.05pt">
</span>your<span style="letter-spacing:-0.05pt"> </span>Employee<span style="letter-spacing:-0.2pt"> </span>Benefits<span style="letter-spacing:-0.2pt">
</span>Office<span style="letter-spacing:-0.2pt"> </span>if<span style="letter-spacing:-0.05pt"> </span>this<span style="letter-spacing:-0.2pt"> </span>situation<span style="letter-spacing:-0.1pt"> </span>applies to you. Failure to do so can<span style="letter-spacing:-0.15pt"> </span>result<span style="letter-spacing:-0.1pt">
</span>in<span style="letter-spacing:-0.15pt"> </span>adverse<span style="letter-spacing:-0.1pt"> </span>tax<span style="letter-spacing:-0.15pt"> </span>consequences
to you. </span></p>
<p class="gmail-MsoBodyText" style="margin:7.8pt 0in 0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h3 style="margin:0in 0in 0in 17.95pt;text-align:justify;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">WHAT<span style="letter-spacing:-0.2pt"> </span>ARE<span style="letter-spacing:-0.2pt"> </span>MY<span style="letter-spacing:-0.2pt"> </span>SAVINGS<span style="letter-spacing:-0.15pt">
</span><span style="letter-spacing:-0.1pt">OPTIONS?</span></span></h3>
<p class="gmail-MsoBodyText" style="margin:0.05pt 0in 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">There<span style="letter-spacing:-0.2pt"> </span>are<span style="letter-spacing:-0.2pt"> </span>several<span style="letter-spacing:-0.05pt"> </span>different<span style="letter-spacing:-0.3pt"> </span>Plan<span style="letter-spacing:-0.1pt"> </span>options<span style="letter-spacing:-0.2pt"> </span>and<span style="letter-spacing:-0.1pt"> </span>Investment<span style="letter-spacing:-0.05pt"> </span>Providers<span style="letter-spacing:-0.2pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>choose<span style="letter-spacing:-0.1pt"> </span>from<span style="letter-spacing:-0.2pt"> </span>through<span style="letter-spacing:-0.25pt"> </span>the<span style="letter-spacing:-0.1pt"> </span>SUNY<span style="letter-spacing:-0.15pt"> </span>VSP.<span style="letter-spacing:-0.1pt"> </span>NYSDCP<span style="letter-spacing:-0.15pt"> </span>also offers its own investment options.
Authorized Investment Providers offer a wide choice of investment options,
including stock, bond, and guaranteed funds.<span style="letter-spacing:2pt">
</span>Each provider offers individual counseling and assistance on investment
information and can review the pre- and post-tax contribution options to best
meet your retirement planning needs.</span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<p class="gmail-MsoBodyText" style="margin:0in 0in 0in 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">The<span style="letter-spacing:-0.15pt"> </span>following<span style="letter-spacing:-0.15pt"> </span>Authorized<span style="letter-spacing:-0.25pt"> </span>Plans<span style="letter-spacing:-0.25pt"> </span>and<span style="letter-spacing:-0.15pt"> </span>Investment<span style="letter-spacing:-0.1pt"> </span>Providers<span style="letter-spacing:-0.2pt">
</span>are<span style="letter-spacing:-0.25pt"> </span>available<span style="letter-spacing:-0.1pt"> </span>to<span style="letter-spacing:-0.3pt"> </span>you<span style="letter-spacing:-0.15pt"> </span>within<span style="letter-spacing:-0.25pt">
</span>the<span style="letter-spacing:-0.25pt"> </span>SUNY<span style="letter-spacing:-0.15pt"> </span><span style="letter-spacing:-0.2pt">VSP:</span></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h4 style="margin:0in 0in 0in 17.95pt;line-height:12.65pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Corebridge<span style="letter-spacing:-0.35pt"> </span><span style="letter-spacing:-0.1pt">Financial</span></span></h4>
<p class="gmail-MsoBodyText" style="margin:0in 0in 0in 0.25in;line-height:12.65pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif;color:rgb(69,69,69)">1-603-594-8340</span><span style="font-family:Cambria,serif">,<span style="letter-spacing:-0.4pt"> </span><a href="https://www.corebridgefinancial.com/rs/suny/home"><span style="color:rgb(0,111,192);letter-spacing:-0.1pt">https://www.corebridgefinancial.com/rs/suny/home</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h4 style="margin:0.05pt 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Fidelity<span style="letter-spacing:-0.3pt"> </span><span style="letter-spacing:-0.1pt">Investments</span></span></h4>
<p class="gmail-MsoBodyText" style="margin:0in 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">1-844-FOR-SUNY<span style="letter-spacing:-0.55pt"> </span>(844-367-7869),<span style="letter-spacing:-0.4pt"> </span><a href="http://www.netbenefits.com/SUNY"><span style="color:blue;letter-spacing:-0.1pt">www.netbenefits.com/SUNY</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h4 style="line-height:12.6pt;margin:0in 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Teachers<span style="letter-spacing:-0.3pt"> </span>Insurance<span style="letter-spacing:-0.35pt"> </span>Annuity<span style="letter-spacing:-0.3pt">
</span>Associate<span style="letter-spacing:-0.25pt"> </span><span style="letter-spacing:-0.1pt">(TIAA)</span></span></h4>
<p class="gmail-MsoBodyText" style="margin:0in 0in 0in 0.25in;line-height:12.6pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">1-866-662-7945,<span style="letter-spacing:-0.3pt"> </span><a href="http://www.tiaa.org/suny"><span style="color:blue;letter-spacing:-0.1pt">www.tiaa.org/suny</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h4 style="margin:0.05pt 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Voya<span style="letter-spacing:0.05pt"> </span><span style="letter-spacing:-0.1pt">Financial</span></span></h4>
<p class="gmail-MsoBodyText" style="margin:0.05pt 0in 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">1-800-584-6001,<span style="letter-spacing:-0.3pt"> </span><a href="https://suny.beready2retire.com/"><span style="color:blue;letter-spacing:-0.1pt">https://suny.beready2retire.com/</span></a></span></p>
<h4 style="margin:12.55pt 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">NYS<span style="letter-spacing:-0.3pt"> </span>Deferred<span style="letter-spacing:-0.3pt">
</span>Compensation<span style="letter-spacing:-0.3pt"> </span>Plan<span style="letter-spacing:-0.3pt"> </span><span style="letter-spacing:-0.2pt">(457)</span></span></h4>
<p class="gmail-MsoBodyText" style="margin:0.05pt 0in 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">1-800-422-8463,<span style="letter-spacing:-0.3pt"> </span><a href="http://www.nysdcp.com/"><span style="color:blue;letter-spacing:-0.1pt">www.nysdcp.com</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h3 style="margin:0in 0in 0in 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">WHAT<span style="letter-spacing:-0.15pt"> </span>DO<span style="letter-spacing:-0.2pt"> </span>I<span style="letter-spacing:-0.05pt"> </span>NEED<span style="letter-spacing:-0.15pt"> </span>TO<span style="letter-spacing:-0.15pt"> </span><span style="letter-spacing:-0.25pt">DO?</span></span></h3>
<p class="gmail-MsoBodyText" style="margin:0.05pt 0in 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">If<span style="letter-spacing:-0.15pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>wish<span style="letter-spacing:-0.25pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>enroll<span style="letter-spacing:-0.2pt"> </span>or<span style="letter-spacing:-0.2pt"> </span>change<span style="letter-spacing:-0.1pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>enrollment<span style="letter-spacing:-0.05pt"> </span>in<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.35pt"> </span>NYSDCP,<span style="letter-spacing:-0.1pt">
</span>you<span style="letter-spacing:-0.1pt"> </span>will<span style="letter-spacing:-0.2pt"> </span>need<span style="letter-spacing:-0.25pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>contact<span style="letter-spacing:-0.05pt">
</span>NYSDCP<span style="letter-spacing:-0.1pt"> directly.</span></span></p>
<p class="gmail-MsoBodyText" style="margin:12.55pt 10.65pt 6pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">If you are <b><u>enrolling</u></b>* in SUNY’s VSP for the first time, you can do so
by using the SUNY online enrollment and management<span style="letter-spacing:-0.15pt"> </span>system<span style="letter-spacing:-0.15pt"> </span>at<span style="letter-spacing:-0.15pt"> </span><a href="http://www.retirementatwork.org/suny"><span style="color:blue">www.retirementatwork.org/suny</span><span style="color:windowtext;text-decoration-line:none">.</span></a><span style="letter-spacing:-0.2pt"> </span>For<span style="letter-spacing:-0.15pt"> </span>assistance<span style="letter-spacing:-0.3pt"> </span>with<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.2pt"> </span>enrollment<span style="letter-spacing:-0.15pt"> </span>process,<span style="letter-spacing:-0.2pt"> </span>please<span style="letter-spacing:-0.2pt"> </span>contact<span style="letter-spacing:-0.15pt">
</span>the Retirement at Work customer service line at: 800-271-0960.</span></p>
<p class="MsoNormal" style="margin:12.6pt 0in 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">If you are
currently enrolled and wish to contribute the same <b><u>BI-WEEKLY</u> </b>amount in 2026, no action on your part is
necessary.<span style="letter-spacing:2pt"> </span>If you wish to change your
contribution amount, including increasing your deferral if qualifying for the
additional<span style="letter-spacing:-0.15pt"> </span>contributions<span style="letter-spacing:-0.05pt"> </span>outlined<span style="letter-spacing:-0.05pt">
</span>above,<span style="letter-spacing:-0.05pt"> </span>please<span style="letter-spacing:-0.15pt"> </span>refer<span style="letter-spacing:-0.15pt">
</span>to<span style="letter-spacing:-0.2pt"> </span>the<span style="letter-spacing:-0.15pt"> </span>Making<span style="letter-spacing:-0.05pt"> </span>Changes<span style="letter-spacing:-0.15pt"> </span>section<span style="letter-spacing:-0.05pt">
</span>below.<span style="letter-spacing:2pt"> </span><b><i><u>Please<span style="letter-spacing:-0.05pt"> </span>check<span style="letter-spacing:-0.2pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>pay<span style="letter-spacing:-0.05pt"> </span>stub<span style="letter-spacing:-0.2pt"> </span>to</u> <u>be sure your current bi-weekly
contribution for 403(b) deductions with any investment providers with whom you
are</u> <u>investing) multiplied by the number of remaining pay periods in the
year does not exceed the allowable limit. </u></i></b>Please be mindful that if
you made a change mid-year, you will need to make sure that your current
biweekly amount will result in the correct annual amount you want deferred for
2026.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.6pt 8.7pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">Please<span style="letter-spacing:-0.1pt"> </span>note<span style="letter-spacing:-0.2pt"> </span>that<span style="letter-spacing:-0.05pt"> </span>if<span style="letter-spacing:-0.05pt"> </span>you<span style="letter-spacing:-0.25pt"> </span>elect<span style="letter-spacing:-0.2pt"> </span>to<span style="letter-spacing:-0.1pt"> </span>contribute<span style="letter-spacing:-0.2pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>flat<span style="letter-spacing:-0.05pt"> </span>dollar<span style="letter-spacing:-0.05pt">
</span>amount<span style="letter-spacing:-0.05pt"> </span>that<span style="letter-spacing:-0.2pt"> </span>exceeds<span style="letter-spacing:-0.2pt">
</span>the<span style="letter-spacing:-0.2pt"> </span>amount<span style="letter-spacing:-0.05pt"> </span>available<span style="letter-spacing:-0.2pt"> </span>in<span style="letter-spacing:-0.1pt"> </span>your<span style="letter-spacing:-0.05pt"> </span>net<span style="letter-spacing:-0.05pt"> </span>pay,<span style="letter-spacing:-0.1pt"> </span>a<span style="letter-spacing:-0.1pt"> </span>partial
deduction will be made, equal to the amount of net pay available. This will
result in a $0 net pay check.</span></p>
<p class="gmail-MsoBodyText" style="margin:0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<h3 style="margin:0in 0in 0in 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">MAKING<span style="letter-spacing:-0.2pt"> </span><span style="letter-spacing:-0.1pt">CHANGES</span></span><span style="font-family:Cambria,serif;letter-spacing:-0.1pt;font-weight:normal">:</span><span style="font-family:Cambria,serif;font-weight:normal"></span></h3>
<p class="gmail-MsoBodyText" style="margin:0.05pt 9.15pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif">To change
the amount you are now contributing, please do so by using the SUNY online*
enrollment and management system<span style="letter-spacing:-0.2pt"> </span>at<span style="letter-spacing:-0.05pt"> </span><a href="http://www.retirementatwork.org/suny"><span style="color:blue">www.retirementatwork.org/suny</span></a>.<span style="letter-spacing:-0.25pt"> </span>For<span style="letter-spacing:-0.2pt"> </span>assistance<span style="letter-spacing:-0.1pt"> </span>with<span style="letter-spacing:-0.1pt"> </span>this<span style="letter-spacing:-0.1pt"> </span>process<span style="letter-spacing:-0.1pt">
</span>or<span style="letter-spacing:-0.2pt"> </span>if<span style="letter-spacing:-0.2pt"> </span>you<span style="letter-spacing:-0.1pt"> </span>have<span style="letter-spacing:-0.2pt"> </span>questions,<span style="letter-spacing:-0.1pt"> </span>please<span style="letter-spacing:-0.2pt"> </span>contact<span style="letter-spacing:-0.05pt"> </span>the Retirement at Work customer service line
at: 800-271-0960.</span></p>
<p class="gmail-MsoBodyText" style="margin:12.6pt 9.15pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><b><span style="font-family:Cambria,serif">To<span style="letter-spacing:-0.2pt"> </span>Enroll</span></b><span style="font-family:Cambria,serif">:<span style="letter-spacing:-0.05pt"> </span><a href="http://www.tiaa.org/public/pdf/SUNY_MVC_TDA_Guide_Enrollment_Guide.pdf"><span style="color:blue;letter-spacing:-0.1pt">http://www.tiaa.org/public/pdf/SUNY_MVC_TDA_Guide_Enrollment_Guide.pdf</span></a></span></p>
<p class="MsoNormal" style="margin:0.05pt 0in 0.0001pt 0.25in;font-size:11pt;font-family:"Times New Roman",serif"><b><span style="font-family:Cambria,serif">Change<span style="letter-spacing:-0.45pt"> </span>your<span style="letter-spacing:-0.35pt"> </span>contribution</span></b><span style="font-family:Cambria,serif">:<span style="letter-spacing:-0.25pt"> </span><a href="http://www.tiaa.org/public/pdf/SUNY_MVC_Making_Account_Changes_Guide.pdf"><span style="color:blue;letter-spacing:-0.1pt">http://www.tiaa.org/public/pdf/SUNY_MVC_Making_Account_Changes_Guide.pdf</span></a></span></p>
<p class="gmail-MsoBodyText" style="margin:0.05pt 0in 0in;font-size:11pt;font-family:"Times New Roman",serif"><span style="font-family:Cambria,serif"> </span></p>
<p class="gmail-MsoBodyText" style="margin:0in 21.15pt 0.0001pt 17.95pt;font-size:11pt;font-family:"Times New Roman",serif"><b><span style="font-family:Cambria,serif">*</span></b><span style="font-family:Cambria,serif">Employees<span style="letter-spacing:-0.1pt"> </span>unable<span style="letter-spacing:-0.1pt"> </span>to<span style="letter-spacing:-0.25pt"> </span>enroll<span style="letter-spacing:-0.05pt">
</span>or<span style="letter-spacing:-0.2pt"> </span>make<span style="letter-spacing:-0.2pt"> </span>changes<span style="letter-spacing:-0.1pt"> </span>online,<span style="letter-spacing:-0.25pt"> </span>should<span style="letter-spacing:-0.25pt">
</span>contact<span style="letter-spacing:-0.05pt"> </span><a name="_Hlk215737160">the<span style="letter-spacing:-0.1pt"> </span>Retirement<span style="letter-spacing:-0.05pt"> </span>at<span style="letter-spacing:-0.05pt"> </span>Work<span style="letter-spacing:-0.1pt"> </span>customer<span style="letter-spacing:-0.05pt">
</span>service<span style="letter-spacing:-0.1pt"> </span>line<span style="letter-spacing:-0.1pt"> </span>at: <span style="letter-spacing:-0.1pt">800-271-0960.</span></a></span></p></div><div><div dir="ltr" class="gmail_signature" data-smartmail="gmail_signature"><div dir="ltr"><div><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><b><br></b></div><div dir="ltr"><b>HUMAN RESOURCE & PAYROLL SERVICES</b></div><div dir="ltr"><font size="2" style="font-size:small">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 & Payroll Services webpage - plattsburgh.edu/hr</a></font></b><br></div></div></div></div></div></div></div></div></div></div>