- Can anyone begin using the Online Retirement services?
- Can I enroll in the plan online?
- What if I forgot or misplaced my Personal Identification Number (PIN)?
- If I know my PIN but want to change it, how do I change my PIN online?
- What should I do if I cannot log on to Online Retirement Services?
- How secure are Internet transactions made on my account?
- What if I have questions about my account?
- How often can I make changes in my investment elections online?
- If I change my investment elections for future contributions, will my existing balance also transfer to match my election?
- How will I know if my request was processed?
- How quickly will contributions or loan payments be processed?
- How do I get detailed information on my transactions?
- What information is available on the system?
- Where can I find the financial planning section?
- How will my account be affected if I take out a loan?
- How can I plan for future distribution amounts?
- Where can I find out information about "catch-up" contributions?
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| Q. |
Can anyone begin using the Online Retirement Services? |
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| A. |
You may use Online Retirement Services only if your company's retirement plan is with City National. |
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| Q. |
Can I enroll in the plan online? |
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| A. |
If your plan permits online enrollment, you will be able to sign up to contribute to the plan, verify your personal information, choose an investment election and enter your beneficiary information. |
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| Q. |
What if I forgot or misplaced my Personal Identification Number (PIN)? |
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| A. |
Call the Voice Response System at (800) 660-3304 and enter your Social Security Number. At the prompt for PIN, wait a few seconds and the system will give you instructions on how to generate a new PIN. Or from the Internet log on screen, you have an option to request a new PIN to be mailed to you. You will be prompted to enter your Social Security Number and date of birth for security purposes. The new PIN will be sent to your address of record.
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| Q. |
If I know my PIN but want to change it, how do I change my PIN online? |
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| A. |
Go to "Request Changes" and select "Change Your PIN." You will be asked to enter a new PIN, which will be effective immediately. This new PIN must be used to access Online Retirement Services and the Voice Response System. |
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| Q. |
What should I do if I cannot log on to Online Retirement Services? |
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| A. |
Please write down the error that you are receiving and call (800) 660-6282 . |
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| Q. |
How secure are Internet transactions made on my account? |
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| A. |
Your transactions are very secure. City National utilizes several layers of technology to ensure the confidentiality of your transactions across the Internet. We use a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.
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| Q. |
What if I have questions about my account? |
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| A. |
The Retirement Services Group at City National is prepared to answer any questions you may have about your account. You may reach them at (800) 660-3304 , option "0" from the main menu (or call directly at (800) 660-6282). |
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| Q. |
How often can I make changes in my investment elections online? |
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| A. |
Investment election changes may be made at any time. Be sure to check the cut-off times noted on your computer screen. The daily cut-off time could be as early as 11:00 A.M. (Pacific time) on any available trading day. The majority of requests received by the appropriate cut-off time will be processed the same business day. Requests received after the cut-off time will be processed the next business day.
Every possible effort will be made to process requests in accordance with this schedule. City National Bank ("CNB") is not responsible for any losses incurred due to delayed trade processing, unless due to willful misconduct or gross negligence on the part of CNB. |
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| Q. |
If I change my investment elections for future contributions, will my existing balance also transfer to match my election? |
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| A. |
No, they are separate transactions. Your future contributions or loan payments are invested based upon the investment election you have chosen. Your existing balance will stay the same, unless you request a transfer be completed. "The exception to this rule is if your plan allows for predetermined models and you change your investment election to a predetermined model, in which case, an account realignment will also be performed so that your existing balances will conform with the predetermined model selected."
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| Q. |
How will I know if my request was processed? |
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| A. |
After you submit your request, a screen will appear with the confirmation number in red. In addition, a confirmation of the transaction will be mailed to your address of record within five business days. Please refer to this confirmation number in conversations or written correspondence with CNB. |
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| Q. |
How quickly will contributions or loan payments be processed? |
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| A. |
Contributions and participant loan payments (if loans are allowed by your plan) will be deposited according to your current investment election within two business days following the receipt of each wire transfer/check and electronic file conforming to CNB specifications. In the event that the electronic file does not match the wire/check from your employer, the deposit may be delayed until a file containing the corrected information is received from your employer. CNB bears no responsibility for investment fluctuations during the period that the electronic file is corrected and returned to CNB. |
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| Q. |
How do I get detailed information on my transactions? |
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| A. |
Click on "Account History" and choose the time period for which you wish to review your transactions.
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| Q. |
What information is available on the system? |
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| A. |
The table below lists various types of information or activities available to you. In the left margin on your computer screen, a sidebar menu will list your choices. Further information and instructions are available when you begin the activity or function. Please read the notifications carefully before executing any transactions. If you have any questions, please call the Retirement Services Group at (800) 660-6282 .
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| Type of Information |
Location/Details |
| Your Account Summary |
Click "Account Inquiry" |
| Your Personal Information on Record |
Click" Account Inquiry"
View the "Account Summary" page |
| Your Beneficiary Information on Record |
Click "Account Inquiry"
View the "Beneficiary Information" page |
Your Account Balances
Your Account Balances by Investment
Your Account Balances by Source |
Your account balances are on the "Account Summary" page
or
Click "Account Balances" under "Financial Information" on the left sidebar menu |
| The Investments You've Chosen |
Click "Investment Elections" under "Financial Information" on the left sidebar menu |
| Your Contribution Rate |
Click "Account Inquiry"
View the "Account Summary" page
or
Click "Contribution Rates" listed under "Financial Information" |
| Details on transactions |
Click "Account Inquiry"
Select "Activity History" to view details on your transactions. You may also highlight these transactions with your mouse and cut and paste them into a spreadsheet software to work with them. |
| Summary of transactions |
Click "Account Inquiry"
Select "Activity Summary" to view a summary of the transactions that have taken place in your account. |
| To request statements of your account or Plan forms and information |
Click "Documents" and choose from the list of items. These items will be mailed to your address on record. |
To Request Changes
. Transfer Interfund Transfer Account Realignment . Investment Elections Create your Own Allocation Predetermined Models . Loan Modeling . Personal Information |
Click "Request Changes"
Select the type of change you wish from the left sidebar menu |
| Your Pending Requests |
Click "Request Changes"
Select "Check Pending Requests" under "Financial Information" on the left sidebar menu |
| Information on mutual funds |
You may click on any mutual fund name on the page and a mutual fund fact sheet will be presented to you. |
| Investment Prices and Ticker Symbols |
Click "Investments"
Select "Investment Prices" from the sidebar menu |
| Investment Performance |
Click "Investments"
Select "Investment Performance" from the sidebar menu |
| List of Plans |
If you are in more than one plan, Click "Account Inquiry"
Select "List of Plans" from the sidebar menu |
| Outstanding Loan Information (if loans are allowed by your plan) |
Click "Account Inquiry"
Select "Outstanding Loans" under "Loans and Withdrawals" on the sidebar menu |
| Prior Loan Payments You Made (if loans are allowed by your plan) |
Click "Account Inquiry"
Select "Prior Loan Payments" under "Loans and Withdrawals" on the sidebar menu |
| Loan Amounts Available (if loans are allowed by your plan) |
Click "Account Inquiry"
Select "Amounts Available" under "Loans and Withdrawals" on the sidebar menu |
| Financial Planning for your retirement |
Click "Planning"
The Planning program will guide you in:
. Developing your plan
. Developing your investment strategy
. Building a Portfolio Plan
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| Q. |
Where can I find the financial planning section? |
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| A. |
Financial planning for your retirement click "Planning".
The planning program will guide you in:
. Developing your plan
. Developing your investment strategy
. Building a Portfolio to achieve your goal |
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| Q. |
How will my account be affected if I take out a loan? |
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| A. |
Click "Planning"
Select "Loan Calculator" from the "Planning Tools" section on the sidebar menu. |
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| Q. |
How can I plan for future distribution amounts? |
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| A. |
Click "Planning"
Select "Distribution Calculator" from the "Planning Tools" section on the sidebar menu.
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| Q. |
Where can I find out information about "catch-up" contributions? |
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| A. |
Click "Planning"
Select "Develop Your Plan" and look for the "catch-up Contribution" buttons. |
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