If you are investing in mutual funds, read the Intermediary Frequent Trading Policy.

We are pleased to offer you the following options to enroll in your Carnegie Mellon University retirement plan.

You must complete the following forms in order to enroll:

• If you want to allocate some or all of your contributions to mutual funds (including Lifecycle Funds) offered in your Supplemental plan, you also must sign an Individual Custodial Agreement, which is included with the enrollment application. You can download a copy of the Individual Custodial Agreement for your records.

Online enrollment is the fastest and easiest way to enroll. Before you enroll, have the following information available:

• Your investment allocations, which you select from your investment choices
• Your Social Security number
• Your beneficiary's Social Security number, birth date and address

Please note that the paper salary reduction agreement is only required when filling it out for the first time. You should go online to Carnegie Mellon's HR Connection site (http://hr.web.cmu.edu/resources/hrconnect/) to complete an online form for all changes to your salary reduction agreeement.Please note that the paper salary reduction agreement is only required when filling it out for the first time. You should go online to Carnegie Mellon's HR Connection site (http://hr.web.cmu.edu/resources/hrconnect/) to complete an online form for all changes to your salary reduction agreeement.