RubinBrown Team Member Manual

POLICY CONTINUED Policy Title: Policy Number:

RubinBrown Savings Trust 406

Section:

Employee Benefits

Instructions for submitting a withdrawal request in Concur: Do not include any other expense reimbursement request on a Savings Trust withdrawal expense report. 1. Sign into Concur and select Expense 2. Select Create a New Report 3. On the Summary page, enter a Report Name 4. Click on the down arrow in the Business Purpose field and select Savings Trust from the pull down list 5. In the bottom right corner, click Next 6. In the upper left corner, click on New Expense 7. In the table of “All Expense Types”, select Savings Trust Withdrawal . This expense type is in the far right column. 8. Enter the date in the Transaction date field and the Amount of the requested withdrawal

9. Do not include any other expense reimbursement request on a Savings Trust withdrawal expense report. 10. No receipt is required. Click Save at the bottom right of the screen and Submit to submit the Savings Trust withdrawal request. 11. The Savings Trust withdrawal expense report will be automatically directed to FMD for processing. 1. FMD will check the participant’s Savings Trust balance is adequate to cover the withdrawal request. 2. Requests will be processed by mid-month or end of month. 3. Withdrawals will be deposited in the same account where expense reports reimbursements are deposited Investment earnings are credited to your account based on the periodic rate earned by the portfolio of investments in the Trust, net of plan expenses. Yields vary depending on interest rates available in the investment markets and upon the portion, if any, of the Trust invested in working capital loans to RubinBrown. Loans to RubinBrown bear interest at the lower of the prime rate or RubinBrown’s effective external borrowing rate on other working capital credit facilities. Expenses for investment custody are netted against investment earnings credited to Trust participants. Participant accounting and other administrative services are provided free of charge by the RubinBrown Financial Management Department. All Savings Trust accounts are guaranteed by the full faith and credit of the RubinBrown Partnership. Participants receive a quarterly summary of their account and an annual Form K-1 for reporting earnings.

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