401(a) Defined Contribution Pension Plan Investment Options Contributions are invested at the employee's direction among the various investment options. Participants may change their investment options at any time by calling (866) 772-4012 or via the DC 401(a) Retirement Plan website. Quarterly Statements Each calendar quarter, participants will receive a statement showing the contributions made during the quarter, any interest and investment gains or losses, and the current account balance. Quarterly statements will be mailed within 20 calendar days after the end of each calendar quarter. Vesting "Vesting" refers to a participant's right to receive the account balance held on his/her behalf when he/she leaves District government service. The retirement account will become fully vested under the following circumstances: Completion of five years of creditable service in covered employment, Death while employed, or Permanent disability. If an employee leaves District government employment before his/her account is vested, he/she forfeits the account balance. Distributions and Withdrawals Normally, the money in an employee's account is distributed when he/she retires. Other circumstances under which employees or their beneficiaries can receive their account balance are: Termination of employment (if vested) Death while employed, or Permanent disability. Payment Options When the account value is distributed, the employee or his/her beneficiary may choose from various payment options, including: Lump sum cash payment, Lump sum rollover payment, Installment payments, or Annuity payments. All of the above payments, except for a lump sum rollover payment, are subject to federal and some state taxes. For lump sum cash payments, CitiStreet will withhold 20 percent for federal tax purposes at the time of payment. A participant may incur a 10 percent federal tax penalty if he/she elects a distribution (other than lump sum rollover payment) before turning age 59½. Minimum Distribution Requirement (MDR) IRS regulations require that participants must begin receiving payments from their retirement account by April 1 of the calendar year following the later of: The calendar year the employee attains age 70½, or The calendar year the employee retires. Filing a Claim for Benefits Plan benefits must be applied for in writing. Contact CitiStreet at (866) 772-4012 and request a distribution package. The participant must complete and sign the required forms in the package and send them, with his/her personnel action form, to the DC Office of Personnel, Office of Employee Benefits, 441 4th Street, NW, Suite 340 North, Washington, DC 20001. The Office of Personnel must approve the payment and forward the forms to CitiStreet. CitiStreet will mail payment to the participant within two calendar days of receiving the approved forms. Contact Listing DC Office of Finance and Treasury 1275 K Street, NW, Suite 600 Washington, DC 20005 Edward F. Obaza (202) 727-2959   DC Office of Personnel Office of Employee Benefits 441 4th Street, NW, Suite 340 North Washington, DC 20001 Valerie Frederick (202) 442-9619          CitiStreet Local Office: 441 4th Street, NW, Suite 340 North Washington, DC 20001 (866) 772-4012, Option 2    CitiStreet Mailing Address: CitiStreet Attn: DC 401(a) Plan Administration PO Box 5279 Boston, MA 02206-5179   CitiStreet Overnight Mailing Address: CitiStreet Attn: DC 401(a) Plan Administration One Heritage Drive, JPB/3N North Quincy, MA 02171