How do I withdraw money from the plan once I leave Suffolk?

• When you terminate or retire, you may take your distribution immediately in a cash withdrawal, periodic payments or an annuity. Your distribution will be taxed to you in the year received, and there may be an additional 10% excise tax if you are under age 59 ½.

You may also choose to leave your funds in the Plan or to roll over your funds to an IRA or to your new employer’s retirement plan (if that plan permits rollovers).

What are the restrictions on withdrawals that apply to certain funds?

• Amounts withdrawn from TIAA Real Estate Account, all CREF accounts and Fidelity funds may be made in a lump sum.

Amounts withdrawn from the Retirement Annuity contract under the TIAA Traditional Annuity will be paid out over a 10-year period, with 10% of the amount withdrawn payable immediately. (There is no similar restriction for the SRA and GSRA contracts with investments in the TIAA Traditional Annuity.)

Who do I contact for additional information about the plan?

TIAA-CREF
800-842-2776
Website: www.tiaa-cref.org/suffolk

Fidelity Investments
800-343-0860
Website: http://www.fidelity.com/atwork