Schwab RT Web 4.0 Product Feature Update (January, 2011)

Transcription

1 Schwab Retirement Technologies Schwab RT Web 4.0 Product Feature Update (January, 2011) This document will be updated monthly to provide details on product feature enhancements as they are released. The latest revision is available for download from the schwabrt.com Resource Center. 1/20/11 This release includes: Distribution Automation Outsourcing (DAO) Phase 1 12/16/10 Morningstar Advice enhancement for two way communication Equity Wash messaging enhancements Distribution Automation Outsourcing (DAO) This release includes several preliminary DAO settings that will not be functional until the program is completed and announced in a future release. 10/28/10 Realignment and Investment Election Wizard Alphanumeric Password option Gadget enhancements Option to Import Secret Q&A through Participant Maintenance 9/23/10 vwise SmartPlan Enterprise video enrollment option 8/19/10 No Web enhancements are included in this month s release. 7/22/10 Online Enrollment (full rollout) 5/31/10 Online Enrollment (content preview) 4/29/10 Custom Gadgets New Contributions gadgets for Participant Web Ability to retrieve a forgotten Alternate User ID Ability to restrict Login Report to unique users 3/18/10 No Web enhancements are included in this month s release. 2/18/10 Real Time Web activity tracking reports for Sponsors/Advisors Tranaction History download to Quicken Custom Gadgets enhanced editing options (Beta) 1/19/10 No Web enhancements are included in this month s release. 12/10/09 Enhanced navigation and page design for Schwab RT Admin Real Time Web activity tracking reports for Web Administrators Enhanced Redemption Fee Messaging Custom Gadgets new Gadget Editor (Beta) 10/20/09 Custom Gadgets Gadgets option for Participant Home page New Plan Sponsor and Financial Advisor reports and other options

2 Schwab RT Web Product Feature Update, Release 4.0 Last Issue Date: January 2011 The material contained herein is proprietary to Schwab and for informational purposes only. The information is not intended to provide tax, legal or investment advice. Schwab does not guarantee the suitability or potential value of any particular information source. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. The Charles Schwab Corporation provides services to retirement plans and participants through its subsidiaries: Charles Schwab & Co., Inc.(Member SIPC), Charles Schwab Trust Company, a division of Charles Schwab Bank, Schwab Retirement Plan Services, Inc., Schwab Retirement Plan Services Company and Schwab Retirement Technologies, Inc. (Schwab RT). Schwab RT is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent Third Party Administrators. For further information, contact Schwab Retirement Technologies, Inc. at Ballantyne Corporate Place, Suite 300, Charlotte, NC 28277, USA, Tel: (800) , Web site: schwabrt.com Schwab Retirement Technologies, Inc. All rights reserved.

3 Contents Table of Contents January, 2011 Enhancements...4 Distribution Automation Outsourcing (DAO) Phase December, 2010 Enhancements...16 Morningstar Advice Enhanced for Two Way Communication...16 Enhanced Equity Wash Violation Messaging...18 October, 2010 Enhancements...20 Realignment and Investment Election Wizard...20 Alphanumeric Password Option...29 Gadget Enhancements...34 Option to Import Secret Q&A through Participant Maintenance...35 September, 2010 Enhancements...36 vwise SmartPLan Enterprise Video Enrollment Option...36 Accessing the Old Report Manager...37 July, 2010 Enhancements...38 Online Enrollment (OLE) Wizard...38 May, 2010 Enhancements...53 Online Enrollment (Content Preview)...53 April, 2010 Enhancements...55 New Custom Gadgets for Participant Web...55 Ability to Retrieve a Forgotten Alternate User ID...59 Ability to Restrict Login Report to Unique Users...63 February, 2010 Enhancements...64 Web Activity Tracking Reports for Sponsors and Advisors...64 Quicken Interface for Participant Web...72 Gadget Home Page (Beta)...92 December, 2009 Enhancements What s New in Schwab RT Admin New Report Manager for Tracking Web Activity Redemption Fees Messages October, 2009 Enhancements My Money Participant Web Enhancements Appendix: My Money Preview/Transition Schwab Retirement Technologies

4 January, 2011 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Distribution Automation Outsourcing (DAO) Phase 1 Partial Release Notice: Schwab s DAO project is currently underway and scheduled for completion at a future date. For this release, we re making a number of Recordkeeping and SchARP options available to you so that you can start configuring your system in preparation for the full release when it becomes available. Overview The Schwab Distribution Administration Outsourcing (DAO) service allows independent recordkeepers to leverage Schwab's resources to provide terminated participants with required tax notification and other educational materials on their distribution options, along with access to a dedicated call center to help answer questions and support opening and funding an IRA. Integration with SchwabRT allows recordkeepers to notify Schwab of eligible terminated participants and provide an extract of their participant data. On receipt of the participant data, Schwab mails education and special tax notification to these individuals, and prepares its call center staff with information on the plans enrolled in the service and the participants being served. Additionally, the recordkeeping system integration provides participants access to online educational resources and, through a partnership with Wealth Management Systems Inc. (WMSI), a connection to a network of IRA provider sites to facilitate opening and funding an IRA. Benefits of DAO Schwab s DAO service offers the following advantages to TPAs, Plan Sponsors, and Participants: TPAs and Plan Sponsors Improved level of participant services. Reduced expenses by outsourcing educational materials mailing and call center support functions. Opportunity to receive marketing referral payments on rollovers directed to a network of IRA providers. Participants Education and guidance on distribution options. High standard of servicing. Simplified IRA rollover process including account open and distribution. January 2011 Schwab Retirement Technologies Page 4 of 155

5 DAO Program Overview The following high-level illustration identifies the various actors and components of the DAO service and shows the flow of data and other activities. Wealth Management Systems Inc. (WMSI) Schwab s DAO initiative partners with Wealth Management Systems Inc. to provide a solution for helping terminated participants select a provider to rollover their account balances. Wealth Management s Rollover Solutions Network (RSN) connects recordkeeping platforms with the account opening systems of IRA providers, allowing participants to open IRA accounts and effect distributions at the plan level in a single, real-time transaction greatly simplifying the rollover process. For more information, visit them on the Web at Note: Additional information on Schwab s DAO service, including pricing and fees, will be provided in a future release. January 2011 Schwab Retirement Technologies Page 5 of 155

6 Schwab RT s Role As one component of the larger Schwab initiative, Schwab Retirement Technologies is making two primary contributions to the DAO project: Creating the DAO Extract file and sending it securely to DAO for plans that have signed up for the DAO program. Providing a single sign-on link from the participant My Money site to DAO so that participants can research and select a provider for their rollover needs. Schwab RT s Recordkeeping system is enhanced to include system and plan-level settings for the DAO project. There is also a new participant counter added to the system. The SchARP system includes a new business activity that you can schedule to create the DAO Extract file. Once the DAO Extract file is generated, another new business activity is launched to encrypt the data file and send the file securely to DAO. Interested in DAO? For more information on implementing the DAO service at your site, please contact your Schwab Client Service Manager. January 2011 Schwab Retirement Technologies Page 6 of 155

7 System-Level Settings At the system level, new fields are added to the Distribution Parameters window in RK SQL System Maintenance/C282. These settings determine the number of times that a participant with a zero balance is included on the extract file and the vested balance ceiling threshold. Field Definitions New DAO fields on the Distribution Parameters window are described below: Number of Times to Include Participant with Zero Balance on DAO Extract Vested Balance Ceiling Threshold Determines how many times a participant with a zero balance is included on extract file. Value must be 1 or greater. This amount is compared with the vested balance to determine if the participant is extracted on the file. Allows you to exclude participants with higher vested balances from the extract. A value of $0.00 indicates that there is no ceiling. Any value greater than $0.00 is compared to the vested balance. There is no default for this field. January 2011 Schwab Retirement Technologies Page 7 of 155

8 Plan-Level Settings Distributions The Distributions window in Plan Maintenance/C001 includes new fields, shown below, that determine whether or not the plan is included in the DAO Extract and which participants will see the DAO link on the My Money Web site. Field Definitions New DAO fields on the Distributions window are described below: Participating in DAO Program Show DAO link for Non- Terminated Participants Select this option to include terminated participant data for this plan in the DAO extract and display the DAO web link to all terminated participants. If not selected, no plan data is included in the extract and no DAO link appears on the participant Web site. Defaults to No. Select this option to display the DAO link to all participants on the My Money Web. If the Participating in DAO Program option is selected and this option in not selected, only terminated participants will see the DAO link on the Web. Defaults to No. Note: DAO plan settings are available for viewing in Plan Inquiry/C070 and on the Plan Digest/CP07. January 2011 Schwab Retirement Technologies Page 8 of 155

9 Plan-Level Settings Data Validation After selecting a rollover provider, terminated participants will be contacted and receive a packet of information detailing their options. To ensure that all participant contact information is valid, recordkeepers can run Data Validation test #13, which has been renamed from Invalid or Incomplete Addresses to Incomplete Contact Information. This test reports any missing contact information so that it can be corrected prior to sending data on the DAO Extract file. The plan level Data Validation Test 13, shown below, is also renamed at the system level. January 2011 Schwab Retirement Technologies Page 9 of 155

10 Participant Inquiry Settings The Activity Controls window in Plan Inquiry/C071 includes a new field called DAO Zero Vested Balance Extract Count, shown below. The counter applies only to terminated participants with a zero vested balance. The counter is incremented each time the participant is extracted on the DAO file. The DAO Extract Counter is read only and cannot be edited. January 2011 Schwab Retirement Technologies Page 10 of 155

11 Activity Tracking Settings Recordkeepers can track changes in DAO activity using Activity Tracking/C076. The new DAO fields are available in the Field Code selection list, shown below. January 2011 Schwab Retirement Technologies Page 11 of 155

12 SchARP Workflow With this release, SchARP provides two new DAO business activities that you can use to create and schedule a workflow that generates the DAO Extract file, encrypts the file, and sends it securely to DAO. SchARP Business Activity Purpose Creates the DAO Extract file, based on Plan-level settings. Encrypts the DAO Extract file and sends the file securely via FTP to DAO. The DAO Extract business activity has a single workflow parameter for Print Detail, which is required in order to include participant data on the DAO Extract Report. There are no workflow parameters for the Secure File Transfer business activity. File Creation Requirements The DAO Extract file is created based on the following criteria: 1. The plan option Participating in DAO Program is set to YES. 2. The participant is terminated, with both a termination date and termination status. Rehired participants are not included on the extract. Termination statuses are defined in RK SQL System Maintenance/C The participant has a vested balance and the balance is less than or equal to the Ceiling Threshold amount. Participants with a vested balance below the ceiling are included each time the extract file is created. Note: If a participant has a vested balance near the Ceiling Threshold amount, that participant may be included or excluded on the file based on market change. 4. The participant has a zero balance and the participant's DAO Zero Vested Balance Extract Count is less than the value of the Number of Times to Extract Participant with Zero Balance setting. This allows participants with a zero balance to be included on the extract file at least once. 5. The SchARP DAO Extract workflow must be created and scheduled to run. The DAO Extract File is linked to business activity output in the SchARP Workflow Monitor. The naming convention for the file: SRT{TPAID}YYYYMMDDHHMMSS.ASC. If there are no participants to be extracted, the extract file is not created. January 2011 Schwab Retirement Technologies Page 12 of 155

13 DAO Extract Report SchARP generates the following report along with the DAO extract file. Note: To include Participant data on the report, the Print Detail parameter must be selected when scheduling the DAO Extract business activity. (Page 2) (Page 3) January 2011 Schwab Retirement Technologies Page 13 of 155

14 Schwab RT to DAO Layouts The data included in the DAO Extract, along with the corresponding beginning and ending positions, is detailed in the following table. Field Name Start Position End Position Recordkeeper TPA ID 0 5 Recordkeeper Plan ID 6 11 Plan Name Recordkeeper Participant ID Recordkeeper Participant Key SSN First Name Middle Name Last Name Address Street Address Street City State Zip Code Home Phone Number Alternate Phone Number Work Phone Number Marital Status Address Date of Birth Date of Hire Date of Rehire Date of Termination Total Account Balance Vested Balance Balance Effective Date Outstanding Loan Balance January 2011 Schwab Retirement Technologies Page 14 of 155

15 Participant Web Link to DAO If the plan option Participating in DAO Program is selected, terminated participants will always see a the DAO link on the My Money Web site. If the plan option Show DAO link for Non-Terminated Participants is also enabled, then all participants with access to My Money Web will see the DAO link. If neither plan option is selected, the DAO link will not appear on any participant Web sites. Adding the Menu Link To add the DAO menu link to the participant Web, use the new predefined menu element Distribution Guidance Options, shown below in Menu Manager. January 2011 Schwab Retirement Technologies Page 15 of 155

16 December, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Morningstar Advice Enhanced for Two Way Communication For clients using Morningstar Advice services, Schwab RT is now providing the ability for participants to request a realignment and/or investment election change directly from the Morningstar site. Transactions initiated on the Morningstar site are communicated back to the Schwab RT system via a new API call in SDDA that results in the creation of PSR records that participants can view and/or cancel on the My Money Web site. A subset of plan and participant data will be passed between Schwab RT and Morningstar. Plan data is sent in batch mode; participant data is sent in real time. Implementation of the Morningstar Advice feature requires a contract agreement with Morningstar and coordination assistance from Schwab RT. Please contact Schwab RT Client Services at for more information. Morningstar contact information: Sebastian J. Mitchell, Sales Director Morningstar Associates, LLC 22 W. Washington Street, Chicago, Illinois voice mobile fax sebastian.mitchell@morningstar.com For more information on Morningstar, see the Morningstar Advice User Guide, available from the Resource Center at SchwabRT.com. January 2011 Schwab Retirement Technologies Page 16 of 155

17 Admin Settings Morningstar functionality is enabled for the plan in Schwab RT Admin (Plan Options>Planning and Advice Options), as shown below. With the exception of the name change from ClearFuture to Retirement Manager, these options have not changed with this release. The renamed system-level options appear below: System-level Morningstar settings (Timeout and Company ID) are defined via the Web Options>Service Provider Options. These options will be renamed to Retirement Manager in a future release. Recordkeeping Settings The Morningstar interface requires these additional settings in Schwab RT Recordkeeping: In Plan Maintenance (C001), Other Plan Features, Morningstar Advice tab, define the required fields. (This window was modified with the October, 2010 release.) Note: When a plan is to be closed to Morningstar access, the Morningstar Status should be changed to Pending Closed. The plan batch extract will send it one time to Morningstar and then set the status to Closed. No Closed plans are extracted. In Morningstar Batch Export (C192), specify the required parameters. (This window was modified with the October, 2010 release.) January 2011 Schwab Retirement Technologies Page 17 of 155

18 Enhanced Equity Wash Violation Messaging This release delivers enhanced messaging for Equity Wash violations resulting from transfers requested over the My Money participant Web. Equity Wash violations only apply to transfers, not to realignments. When a participant requests a transfer on the Transfer To page of the Web, a validation error message appears if the plan s Equity Wash rules are violated. The message is triggered by the first source encountered and does not reappear for subsequent sources. A sample Equity Wash violation message appears below: The enhanced message includes a More link that the participant can click to view an explanation of Equity Wash rules, as shown below: January 2011 Schwab Retirement Technologies Page 18 of 155

19 Customizing the Equity Wash Message To customize the content of the Equity Wash message, go to the Transfer To page in Content Manager and make the necessary changes to the Equity Wash Message Disclosure field, shown below. January 2011 Schwab Retirement Technologies Page 19 of 155

20 October, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Realignment and Investment Election Wizard You can use this optional enhancement to provide users of Schwab RT Web with a wizard that integrates the process of aligning the account balance and selecting future investment elections. Instead of handling realignments and investment elections as separate, unrelated transactions, the wizard automatically asks users if they want to apply their realignment choices to their investment elections, and vice versa. The user can accept the offer to apply the pre-filled amounts to the additional transaction or decline the additional transaction. If the user chooses to perform both investment elections and realignment, the confirmation page will document both transactions. Realignments and Investment Elections will continue to use separate menu options. The option to use the wizard is controlled by system level Admin option, which is disabled by default. January 2011 Schwab Retirement Technologies Page 20 of 155

21 Requirements The following conditions must be met in order to use the Realignment and Investment Election Wizard: The Schwab RT Admin setting Enable Realignment and Investment Election Wizard must be selected. Sources must be consolidated or only a single source must be attached to the plan. Funds selected for investment election must match the funds available for realignment. Account balance must be greater than zero for the realignment to display. Realignment and investment elections must not be blocked or have pending activity. If a redemption fee is attached to any fund, that information will be shown along with realignment information. Excluded Funds The following types of funds are not available for realignment: Competing Funds Loan Funds PCRA Stock/Stock Liquidity Excessive Trading Blocks. January 2011 Schwab Retirement Technologies Page 21 of 155

22 Enabling the Option To enable the wizard, go to System Options in Schwab RT Admin and select Enable Realignment and Investment Election Wizard option, as shown below. The setting is turned off by default. January 2011 Schwab Retirement Technologies Page 22 of 155

23 Investment Election Flow When the Realignment and Investment Election Wizard option is enabled, and the user selects the Investment Elections option from the Web menu, the following sequence of activities is presented. Select Investment Elections On the first page, the current elections are shown, along with fields where the participant can enter new elections. Users can enter election values directly in the New % field, replacing the drop down selection list used previously. Election percentages can contain up to two decimal places, depending on plan settings. For details on the new option to use expanded decimal places for investment elections, see Fractional Investment Elections Option in the October Product Feature Update. After selecting investment elections, the participant clicks Submit Investment Elections at the bottom of the page and proceeds to the next page. January 2011 Schwab Retirement Technologies Page 23 of 155

24 Realign Account Balance? At the top of the next page, the following prompt appears: Would you like to realign your existing account balance as well? The change you have just made affects how your future contribution deposits are invested to your account. If you wish to realign your current account balance in the same manner, select Yes, realign as well. For each investment, a table shows the current balance, current alignment percentage, and new realignment percentage based on the selected investment elections. Redemption fee messaging and acknowledgement are also displayed. If the participant clicks the Yes, Realign as well button at the bottom of the page, both realignment and investment election PSR records will be created and displayed with confirmation numbers on the confirmation page. If the participant clicks the No, Change investment election only button, only the investment elections PSR record will be created and displayed with a confirmation number on the confirmation page. If the Cancel button is clicked, the participant is re-directed to the Investment Elections page. January 2011 Schwab Retirement Technologies Page 24 of 155

25 Confirmation The final page in the process presents confirmations for the selected transaction(s). In this example, confirmations for both investment elections and realignment are shown. If the participant declined the offer to realign the account, only the Investment Election confirmation appears. January 2011 Schwab Retirement Technologies Page 25 of 155

26 Realignment Flow When the Realignment and Investment Election Wizard option is enabled, and the user selects the Realign Account Balance option from the Web menu, the following sequence of activities is presented. Select Realignment On the first page, the current account balance and current realignment percentages are shown, along with fields where the participant can enter new realignment percentages. Users can enter values directly in the New % field, replacing the drop down selection list used previously. After selecting realignment percentages, the participant clicks Submit Realignment at the bottom of the page and proceeds to the next page. January 2011 Schwab Retirement Technologies Page 26 of 155

27 Redemption fee messaging and acknowledgement appears if the participant clicks the corresponding link. Update Investment Elections? At the top of the next page, the following prompt appears: Would you like to update your investment elections as well? The change you have just made affects your current account balance. If you wish to update how your future contribution deposits are invested in the same manner, select Yes, change investment elections as well. For each investment, a table shows the current investment percentage and new investment percentage based on the selected realignment. If the participant clicks the Yes, change investment elections as well button at the bottom of the page, both realignment and investment elections PSR records will be created and displayed with confirmation numbers on the confirmation page. If the participant clicks the No, realign only button, only the realignment PSR record will be created and displayed with the confirmation number on the confirmation page. If the Cancel button is clicked, the participant is re-directed to the Realignment page. January 2011 Schwab Retirement Technologies Page 27 of 155

28 Confirmation The final page presents confirmations for the selected transactions. In this example, confirmations for both investment elections and realignment are shown. If the participant declined the offer to update investment elections, only the Realignment confirmation appears. January 2011 Schwab Retirement Technologies Page 28 of 155

29 Alphanumeric Password Option This release includes a new feature that many clients have requested: the option to use alphanumeric passwords, instead of numeric PINs, to access their accounts on the Web. The new alphanumeric password is for the Web only; the PIN is still required for the Voice system. Please be aware that this feature is not optional and will be automatically implemented when your site is upgraded to the new release. Participants will immediately be able to create alphanumeric passwords using the Change PIN and Reset PIN options on the Web. At upgrade, the participant's current PIN will be populated in the participant's new Password field, so initially both fields will be the same. When creating new PINs for a plan, the automated PIN generator will work the same as before, but will now put the new PIN in both the PIN and the Password fields. Alphanumeric Web passwords can contain a maximum of 20 letters and/or numbers. Apostrophes ( ), quotation marks ( ), and ampersands (&) cannot be used in passwords. The minimum PIN length allowed by the plan also applies to the password. Users of the Voice system will continue to use numeric PINs. If a participant who uses both the Voice and Web systems changes his PIN to a password for the Web, that user must continue to use the PIN to access the Voice system while using the alphanumeric password to access the Web. Since most participants use either the Web or Voice, not both, this should be a relatively rare occurrence. However, we recommend that you inform your participants of this scenario in advance, and/or that you add custom content to the Change PIN and Reset PIN Web pages to let users know that access to the Voice system still requires a PIN. As part of the new alphanumeric password feature, an enhanced encryption algorithm has been applied to both the password and the PIN to provide greater security. If you are currently using Crystal to decrypt PINs, you will need to rewrite this report to accommodate the new encryption method. Other system components that may be impacted by the new feature include related stored procedures, customized API calls, and SDDA queries. For more information on these changes and their potential impact, please contact Schwab RT Client Services at January 2011 Schwab Retirement Technologies Page 29 of 155

30 PIN/Password Maintenance/C558 PIN Maintenance is modified as follows in support of the new alphanumeric password option: The PIN Maintenance application name is changed to PIN/Password Maintenance. The Maintain PINs window name is changed to Maintain PINs/Passwords. A new Password field is added to the Maintain PINs/Passwords window. Notes: At upgrade, the participant's current PIN will be populated in the participant's new Password field, so initially both fields will be the same. When creating new PIN's for a plan, the automated PIN generator will work the same as before, but will now put the new PIN in both the PIN and the Password fields. When generating PINs manually, at least one of the PIN/Password fields must be present. January 2011 Schwab Retirement Technologies Page 30 of 155

31 Participant Inquiry/C071 A new Web Password field is also added to the Identification window in Participant Inquiry. Note: The VRS PIN field is renamed to Voice PIN. Participant Inquiry/C004 The following new columns are added to the participant import file to allow you to load the participant VRS PIN and new alphanumeric Web Password: VRS PIN WEB Password If the PIN is imported and the participant has no Web Password, the Password will be defaulted to the PIN. January 2011 Schwab Retirement Technologies Page 31 of 155

32 Report Security Improvements Please note that in an effort to improve the security for the participant PIN and Password, the PIN has been removed from the following reports. Generic Confirm Crystal Report (GenericConfirmScharp.rpt) If you have a custom version you will need to make modifications after the October Release is deployed. PSR detail Crystal Report (PSR Detail ReportScharp.rpt) If you have a custom version you will need to make modifications after the October Release is deployed. VRU/OPI Update Report (C552 and SchARP Process Participant Request) OPI Detail Report (C258) ADT Synoptic PIN Letters If you currently print PIN letters with the actual PIN on the letter, you will need to use a new Crystal report (Password_LTRDaterange.rpt) that can only be executed in RK SQL Report Generator/CP50: Please contact client services with any questions or if you need any assistance. January 2011 Schwab Retirement Technologies Page 32 of 155

33 Change PIN and Reset PIN Options on Schwab RT Web Participants can change their passwords using the Change PIN and Reset PIN (via Forgot PIN link) options on the Web. Except for the PIN fields, which now accept alphanumeric passwords up to 20 characters in length, the appearance of these pages has not changed. The minimum PIN length allowed by the plan also applies to the password. We recommend that you add custom content to the following pages to let users know that access to the Voice system still requires a PIN: Change PIN Reset PIN Online Enrollment/My Information. January 2011 Schwab Retirement Technologies Page 33 of 155

34 Gadget Enhancements Schwab RT Web gadgets are modified with the following enhancements: Welcome Gadget A new parameter allows you to show (displaysynoptic=true) or hide (displaysynoptic=false) the participant name and plan name. The existing Welcome gadget in your Gadget Editor is read only and cannot be changed; therefore, when your system is upgraded to the October release, you ll need to make a copy of the new Welcome gadget in order to use the new parameter. Address Variable A new variable for address (${PART. }) is available for use in any gadget. Cumulative Contributions Gadget A new Content Manager page named Gadget allows you to define custom content for the Cumulative Contributions gadget. The new Gadget page appears below:. January 2011 Schwab Retirement Technologies Page 34 of 155

35 Option to Import Secret Q&A through Participant Maintenance This enhancement allows to you import the participant s Secret Question &Answer for My Money Web through the Participant Maintenance/Import Participants option. The Secret Q&A option is used to verify the user s identity when the Forgot PIN option is selected on the Web Login page. The following columns are added to the import file: Secret Question Secret Answer These fields are not maintainable in Participant Maintenance or viewable through Participant Inquiry. If the Secret Question or Secret Answer are imported, they are both required. To view a sample import file header and specifications, do the following: 1. Go to the SchwabRT.com and log on to the Resource Center. 2. On the Resource Center home page, select Recordkeeping from the sidebar menu. 3. Under Conversion Tools, click the following link: Census File Header / Specifications. Note: The participant import file also includes the following new columns that allow you to load the participant VRS PIN and new alphanumeric Web Password: VRS PIN WEB Password If the PIN is imported and the participant has no Web Password, the Password will be defaulted to the PIN. For more information, see Alphanumeric Password Option in the October Product Feature Update. January 2011 Schwab Retirement Technologies Page 35 of 155

36 September, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: vwise SmartPLan Enterprise Video Enrollment Option Preferred pricing is now available for Schwab RT Web clients who wish to implement the third-party video enrollment and resource center developed by vwise SmartPlan Enterprise. Schwab RT s new Online Enrollment (OLE) wizard, released in July, provides an option to launch a third party enrollment tool instead of Schwab s built-in enrollment package. The Third Party URL for Enrollment setting is located in SRT Admin>Plan Options>Environment Options>Web Options>Online Enrollment. For more information on the required contract agreement with vwise and special Schwab pricing, contact Alan Godfrey at (949) About SmartPlan Enterprise Designed to help average investors better understand their retirement plans, SmartPlan Enterprise provides the benefits of a personal financial professional, in a website available 24/7/365. By combining a video-based presentation of detailed financial information with an interactive application that prompts users to make informed investment decisions, SmartPlan Enterprise can help increase plan enrollment, raise participant contribution levels, and reduce support costs. The SmartPlan Enterprise participant environment features a familiar interface that makes it easy to navigate, even for novice users, and allows a participant to go at his or her own pace. Video hosts offer a brief video overview of 401(k) basics, followed by a discussion of selected features, such as auto-enrollment, matching contributions, and loans. Then, using simple interactive forms, the video hosts guide participants through a short process, including individual retirement needs and risk profile surveys, and selection of investment types and contribution amounts that generates a personalized investor profile. The SmartPlan Enterprise system is integrated with a provider s participant database, to deliver a custom experience and allow upload of participant choices. To learn more, visit January 2011 Schwab Retirement Technologies Page 36 of 155

37 Accessing the Old Report Manager With this release, the old Report Manager has been removed from the System Options menu in Schwab RT Admin. Temporary access to the old Report Manager is available through a link on the Schwab RT Admin welcome page, shown below. Please contact Client Services if you require permanent access to the application. January 2011 Schwab Retirement Technologies Page 37 of 155

38 July, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Online Enrollment (OLE) Wizard The new Schwab RT Web Online Enrollment (OLE) wizard provides enhanced navigation to guide participants through the enrollment process. The wizard is designed to seamlessly capture all information needed to establish the account, from personal information and logon credentials to investment choices (default, pre-defined, or selfdefined), realignments, deferrals, beneficiary designations, and statement delivery preferences At the beginning of the process, the Start page displays a list of enrollments steps, tailored to the plan, with customizable page instructions to help participants complete the task. Each page of the wizard displays a progress bar that changes color when the participant reaches that step. Each page also displays the client-branded header with Quick Links at the top right. As each step is completed and saved, the system places a check in corresponding box on the Start page. When all steps are complete, the participant is presented with a printable summary page that shows all his investment choices, with an option to make changes before submitting the final enrollment. These navigation elements help keep the participants oriented and provide a sense of continuity and accomplishment. For screen samples and default page content, as well as complete configuration details, refer to the Schwab RT Web 4.0 Online Enrollment (OLE) User Guide, available from the Resource Center on schwabrt.com. January 2011 Schwab Retirement Technologies Page 38 of 155

39 Notes: Online Enrollment (OLE) is available only for users of My Money Web (Release 4.0). Legacy Online Enrollment is available for users of Voice, Call Center, and Web (Release 3.0 or earlier). To use Online Enrollment functionality, the Participant Primary Status must be 831 Eligible to Enroll. To use this status for reporting purposes, the Code and Map Maintenance application (C003) must include the 831 restricted status code. Participants enrolled in the automatic enrollment program (ACA) will initially be given the option to keep their default options, select their own enrollment options, or opt out of contributing to the retirement plan. If the participant chooses to keep the default options, the My Investments and My Contributions steps are skipped and the participant proceeds to the other steps (My Information, My Beneficiaries, and My edelivery). Refer to ACA User Guide for configuration details on ACA and QDIA. January 2011 Schwab Retirement Technologies Page 39 of 155

40 What s New with Online Enrollment New enrollment wizard provides enhanced navigation to guide participants through all steps in enrollment process. Task list on enrollment home page provides links to each task and check boxes to indicate when a task is complete. Color-coded Progress Bar at the top of each page. Enrollment Quick Links bar at top of each page: Home, Investment Performance (optional by plan; appears only if enabled), Print Screen, and Exit Online Enrollment. All new page content, based on results of usability testing, designed to improve participant comprehension and reduce support calls. The new enrollment content is independent of the content used for post-enrollment options. New Content Manager option provides searchable content fields (Ctrl+F). Note: No content changes are required except for date-sensitive, site-specific, and userdefined content. Recognizes automatically-enrolled (ACA and QDIA) participants and tailors enrollment steps accordingly. Integrates personal information (including address) and PIN change/recovery (Secret Q&A) information on a single My Information page. Integrates auto-rebalance options with investment choices. New step, My edelivery, captures statement delivery preference (not shown if plan uses estatement only). Built in redemption fee and excessive trading messages. New option provides link for Education and Advice (401k tools, Morningstar, GuidancePlus or Financial Analyzer. New option to capture rollover information. New option to display employer match information. New option to launch third party enrollment tool instead of Schwab enrollment. Participants can exit the wizard at any point and return to complete the enrollment later. All saved information is retained for the next session. Participants can edit their enrollment information in real time (cancellation of pending activity is no longer required). At each step, Previous and Next buttons are provided to allow the participants to return to previous page or advance to the next. Changes are saved only when the Next button (or Finish button, where applicable) is clicked or when the Enroll Me button is clicked at the end of the process. New summary page allows participant to confirm all selections and make changes if needed before submitting the enrollment. Participants can print the summary page as a record of their enrollment choices. January 2011 Schwab Retirement Technologies Page 40 of 155

41 Navigation and Processing Rules When the participants click Enroll Now on the Start page, the system guides them through each successive step in the process. At each step along the way, Previous and Next buttons are provided to allow the participants to return to the previous page or advance to the next. Any changes made to the current page are not saved when the Previous button is clicked. Changes made by the participant are saved only when the Next button is clicked. At any time during the process, the participant can return to the enrollment Start page by clicking Home in the Quick Links bar at the top right. At the conclusion of all enrollment steps, the participant reviews a summary page (shown below) and verifies the information by clicking Enroll Me. Enrollment is not complete until the Enroll Me button is clicked. January 2011 Schwab Retirement Technologies Page 41 of 155

42 Note: In addition to Preview and Next buttons, a Finish button is available for each step in the process if all other steps in the process have already been completed. When the participant clicks the Finish button, the Summary page appears, allowing the participant to confirm all selections and make changes if needed before submitting the enrollment. Incomplete Sessions Ideally, the participant will complete the entire enrollment process in a single session, but if he only completes part of the process and needs to return later to complete the remaining steps, he can exit the process at any time by clicking Exit Online Enrollment in the Quick Links bar at the top right of the page. When the participant exits a session without completing all steps, any changes made since the last time the Next button was clicked will be lost. When the participant returns to finish the session, any previously completed and saved tasks will appear checked on the Start page and he can pick up where he left during the previous session. Saved and Pending Records Behind the scenes, when the Next button is clicked, the system saves the following data immediately and also creates a pending record for activity tracking: PIN/Password Alternate ID Beneficiary Secret Question and Answer. Pending records are also created for the following data when the Next button is clicked; however, this information is not processed until VRS/OPI Update/C552 is run. My Contributions My Investments Realignments Address address. The Enroll Me button queues up pending record to be processed by VRS/OPI Update/C552. When VRS/OPI Update runs, pending records are updated, based on the following enrollment enforcement system setting* in RK SQL System Maintenance/C = pending records are processed when all required steps for OLE are completed. Recommended setting. 0 = current pending records are processed without requiring all OLE steps to be completed. * Category 5 OPI Setting #2 Enforce Complete Enrollment January 2011 Schwab Retirement Technologies Page 42 of 155

43 Process Overview The Online Enrollment process is summarized below, with participant tasks shaded gray. Role Task 1 Recordkeeper In RK SQL System Maintenance System Settings, select Category 5 OPI and set Enforce Complete Enrollment to 1. 2 Recordkeeper Configure and refresh Plan Maintenance. 3 Web Admin Configure Online Enrollment Web options (Schwab RT Admin). 4 Participant Access Schwab RT Web application with User ID and assigned PIN. 5 Participant Complete the following tasks: My Information Enter and mailing addresses, change PIN, and choose password recovery options. My Contributions Choose deferral dollar amount or percentage. My Investments Keep default investments, select pre-defined portfolio, or create your own investments. Realign balances. My Beneficiaries Designate beneficiaries. My edelivery Choose statement delivery preference. 6 Participant Submit completed enrollment and exit system. 7 Recordkeeper Run VRS/OPI Update to fulfill enrollment and generate reports. January 2011 Schwab Retirement Technologies Page 43 of 155

44 Configuration Fast Track Use the following Fast Track to help configure your Online Enrollment options. Supplemental configuration information is provided in other sections of this document. Enrollment Element START Page Content for all Enrollment options Enable Enrollment Options * Application/Settings SRT Admin>Content Manager: RK>Plan Maintenance>VRS/OPI Set Up Options: PIN Settings for Initial Access RK>Plan Maintenance>VRS/OPI: Enrollment Cycle RK>Plan Maintenance>Eligibility: Enrollment Enforcement RK SQL System Maintenance>System Settings: Rollover Prompt SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: Advice/Education Link SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: Third Party Enrollment SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: January 2011 Schwab Retirement Technologies Page 44 of 155

45 MY INFORMATION Address SRT Admin>Plan Options>Environment>Web Options>Participant Options: Mail Address SRT Admin>Plan Options>Environment>Web Options>Participant Options: Alternate User ID SRT Admin>System Options>Authentication Options: PIN Reset and Secret Q&A SRT Admin>System Options>Authentication Options: MY CONTRIBUTIONS Plan-level Deferral Settings RK>Plan Maintenance>Activity Controls: Source-level Deferral Settings RK>Plan Maintenance>General Source Data: Catch Up Deferrals RK>Plan Maintenance>Compliance: Matching Information SRT Admin>Plan Options>Environment>Web Options>Online Enrollment: January 2011 Schwab Retirement Technologies Page 45 of 155

46 MY INVESTMENTS Auto Rebalance RK>Plan Maintenance>VRS/OPI>Auto Rebalance Settings: Note: Requires consolidation of VRS, Call Center, and Web sources on VRS/OPI Settings tab. Portfolios and cycles must be defined. SRT Admin>Plan Options>Auto Rebalance Options: SchARP Workflow Designer and Scheduler: MY BENEFICIARIES Beneficiary Information SRT Admin>Plan Options>Environment>Web Options>Plan Options: MY edelivery Statements SRT Admin>Plan Options>Environment>Web Options>SchwabRT estatement: COMPLETED ENROLLMENTS System Update Run VRS/OPI Update/C552 to update system with completed enrollments. * If you enable either the My Contributions or My Investment pages for online enrollment, you must also enable the corresponding VRS/OPI settings. Otherwise participant requests will be rejected. January 2011 Schwab Retirement Technologies Page 46 of 155

47 Web Configuration (Schwab RT Admin) You can use Schwab RT Admin to configure auto-rebalance, beneficiary designation, PIN reset, secret question and answer, statement delivery preference, and other options that appear on the Online Enrollment pages. You can also customize the content of the Online Enrollment main page using Content Manager. Modifying Online Enrollment Page Content If you decide to modify the default content that automatically appears on the enrollment pages, you can do so using the Schwab RT Admin Content Manager, available from the Web Options menu. All the content for the new pages can be modified in a single location by selecting the Online Enrollment Wizard page, shown below. January 2011 Schwab Retirement Technologies Page 47 of 155

48 Locating Specific Content The easiest way to locate the specific text that you want to change is to use the browser s Find (Ctrl+F) option to search all Online Enrollment Wizard content fields. A sample search is shown below. Content for Legacy Online Enrollment: For users of Voice, Call Center, and Web (Release 3.0 or earlier), select the Online Enrollment option to define your custom content. January 2011 Schwab Retirement Technologies Page 48 of 155

49 Date-Sensitive, Site-Specific, and User Defined Content Some enrollment pages contain information that must be updated each year or that is specific to each site s operational requirements. This information is not updated by Schwab RT and must be maintained by your site s Web administrator using the Content Manager options in Schwab RT Admin. The following table identifies variable and user-defined content on the Online Enrollment pages. Enrollment Page My Contributions - Regular Contributions - Catch-up Contributions My Investments - Choose Predefined Portfolios - Realignment, Source Selection My Investments (Risk Questionnaire) Variable Content (must be maintained on site) Maximum amount you can contribute annually Daily cutoff time for processing requests All content is user-defined Note: For screen samples and default content of the enrollment Web pages, refer to the section Page Samples and Default Content. January 2011 Schwab Retirement Technologies Page 49 of 155

50 Online Enrollment Options With this release, new Online Enrollment Options are available to enhance your enrollment pages with Education and Advice links, rollover information prompts, and employer match information. You can also elect to use a third party enrollment provider in place of the Schwab RT Online Enrollment Wizard. These options are available in Schwab RT Admin at Plan Options>Environment Options>Web Options. Field Help Me Link Third Party URL for Enrollment Definition Designates the service provider to use for the Education & Advice link that appears on the Start page. To use any of the available providers, your site must maintain an active subscription to that service. Your enrollment process must include steps for Contributions and Investments in order to use the help link. Available options: 401k Tools Morningstar Financial Analyzer GuidancePlus None (default) Note to users of MasteryPoint GuidancePlus (2-way): Any investment elections or deferrals the participant selects in GuidancePlus will be automatically applied to the corresponding Schwab RT Online Enrollment pages when the participant saves and closes the help window. If you are using a third party enrollment tool instead of Schwab RT Online Enrollment, this URL will launch when the participant logs on to the Web site for the first time. Defaults to blank (use Schwab RT enrollment). January 2011 Schwab Retirement Technologies Page 50 of 155

51 Field Allow Rollover Information Update Definition Select this option to display the following prompt on Start page for the purpose of capturing participant rollover information. Rollover information is included in system reporting along with other enrollment data. Display Match Information Display RK Match Table Select this option to display the following link on the My Contributions page: What do I need to contribute to get the maximum employer match? When you click the link, the following message appears: Your employer will match a portion of what you contribute towards your retirement. To receive the maximum match possible, you would need to contribute % of your pay. Please refer to your Summary Plan Description for additional details. The system automatically uses the highest percentage from the Match Steps table on the Match Provisions window in Plan Maintenance. See example following this table. Select this option to include in the Employer Match Information message a table summarizing the available match levels, as defined in the Match Steps table on the Match Provisions window in Plan Maintenance. This option is available only when the Display Match Information option is selected. See example following this table. January 2011 Schwab Retirement Technologies Page 51 of 155

52 Employer Match Information Example The following illustration shows how the employer match prompt and popup window will appear when both the Display Match Information and Display RK Match Table options are selected. January 2011 Schwab Retirement Technologies Page 52 of 155

53 May, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Online Enrollment (Content Preview) Online Enrollment content will be available later in June as an update to this release. At that time, we ll provide a document that shows the new content and layout for each of the new pages. We are pleased to announce that our new Online Enrollment wizard for the participant Web will be available in our July release. The Online Enrollment wizard provides enhanced navigation to guide participants through all the required steps in the enrollment process. To help you prepare your site for rollout of the new Online Enrollment wizard, we re making the default English and Spanish content of the new Web pages available in this release. If you decide to modify the default content, you can do so using the Schwab RT Admin Content Manager. All the content for the new pages can be modified in a single location by selecting the Online Enrollment Wizard page, shown below. January 2011 Schwab Retirement Technologies Page 53 of 155

54 Locating Specific Content The easiest way to locate the specific text that you want to change is to use the browser s Find (Ctrl+F) option to search all Online Enrollment Wizard content fields. A sample search is shown below. January 2011 Schwab Retirement Technologies Page 54 of 155

55 April, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: New Custom Gadgets for Participant Web The following new gadgets are now available for use on the Participant home page in My Money Web: Sample_ContributionsBySource SRT_dvCumulativeContributions To access the new gadgets, highlighted below, log on to Schwab RT Admin and select Gadget Editor from the Web Options menu. January 2011 Schwab Retirement Technologies Page 55 of 155

56 Cumulative Contributions Gadget The Cumulative Contributions gadget is a dailyvest chart that shows total contributions from all sources to the participant s retirement account for the year-to-date, adjusted for market fluctuation. To preview the gadget on the home page, click Part and log in to the My Money Web site, as shown below. To view the gadget s properties (shown below), click the View link in the Edit column of the Gadget Editor. This gadget is locked and cannot be modified by the user. January 2011 Schwab Retirement Technologies Page 56 of 155

57 Contributions by Source Gadget The Contributions by Source sample gadget itemizes the contributions from each source (money type) for the year to date and also displays totals for all contributions. You can customize the gadget with your own title, header, and footer, and you can specify the number of years of data to include in the display. To preview the gadget on the home page, click Part and log in to the My Money Web site, as shown below. To view the gadget s properties (shown below), click the View link in the Edit column of the Gadget Editor. January 2011 Schwab Retirement Technologies Page 57 of 155

58 This Sample_ContributionsBySource gadget is locked and cannot be modified but you can copy the URL into a new gadget to create your own version, using these variables: Years Header Footer Number of years of data to display. 1 = Current year to date (Default) 2 = Last calendar year and current year to date Displays a message following the Gadget Title. Default = no heading. Displays a message following the Totals line. Default = no footer. Note: The Header and Footer use Embedded HTML; values must be URL encoded to work properly. The full URL appears below, with the Years, Footer, and Header variables shown in color: ${RELATIVEPATH}/aspx/authenticated/gadgets/MyCumulativeContributionsBySou rce.aspx?years=2&header=this%20is%20the%20header&footer=this%20has%20%3cb %3Ebolded%3C%2Fb%3E%20text%20embedded January 2011 Schwab Retirement Technologies Page 58 of 155

59 Ability to Retrieve a Forgotten Alternate User ID A new option is added to the Web logon page to allow the participant to retrieve a forgotten Alternate User ID. To access a forgotten Alternate User ID, do the following: On the Logon page, click Forgot Alternate ID. The Alternate ID page appears. Enter the Social Security number (with or without dashes) and click Continue. January 2011 Schwab Retirement Technologies Page 59 of 155

60 Select the appropriate plan and click Continue. The system prompts for the answer to the user s secret question, if one has been set up. Enter the answer and click Submit. The Alternate Id is displayed. Click OK to close and return to the logon page. Enter the Alternate ID and PIN and click Logon. January 2011 Schwab Retirement Technologies Page 60 of 155

61 Note: If a secret question and answer is not set up, the participant must enter the date of birth, date of hire, and ZIP Code in order to retrieve the Alternate ID, as shown below. January 2011 Schwab Retirement Technologies Page 61 of 155

62 Enabling the Forgot Alternate ID Option To enable the new option for participants, log on to Schwab RT Admin, select Authentication Options from the System Options menu, and select the Enable Forgot Alternate IDs option, as shown below. Customizing Page Content To customize the Forgot Alternate ID link on the Logon page and other page content related to this feature, use Content Manager (Schwab RT Admin) to access and modify the following content templates: Logon Forgot Alternate ID Retrieving Alternate ID January 2011 Schwab Retirement Technologies Page 62 of 155

63 Ability to Restrict Login Report to Unique Users The Login Report that s included in the new Report Manager for Plan Sponsors, Advisors, and Web administrators is enhanced with an option that eliminates duplication of users within the same reporting period. When the Show Unique Users option is selected, each user is only counted once in the reporting data, as shown below. If the option is not selected, multiple sessions for the same user can appear in the report. January 2011 Schwab Retirement Technologies Page 63 of 155

64 February, 2010 Enhancements This update to Schwab RT Web 4.0 provides the following enhancements: Web Activity Tracking Reports for Sponsors and Advisors The new Report Manager added to Schwab RT Admin in December s release has been enhanced and adapted for use by Plan Sponsors and Financial Advisors. After the option is enabled for a Sponsor or Advisor, that user can access the Report Manager from the Activity Reports link on the Plan Sponsor or Financial Advisor home page. Reporting data is restricted to the plans and participants to which the Sponsor/Advisor has access. Web Administrators can continue to access the Report Manager from the Systems Options menu in Schwab RT Admin. Report Manager provides the following options: User Activity Report Shows the frequently of user visits to specific Web pages and activities, such as requesting a file, switching plans, or logging off the system. Login Report Shows the number of logins per hour, day, or day of month. Identifies plans with the most logins and peak login hours. Color coded to indicate success or failure. Each report consists of three sections: selection parameters, color-coded graph, and data grid with totals. Filtering options can be used to target specific plans, date ranges, systems, and users. All reports provide the ability to drill down to the level of individual participant activity and to export the information to PDF or Excel for auditing purposes. Other built-in tools allow you to customize data displays by sorting and regrouping data. January 2011 Schwab Retirement Technologies Page 64 of 155

65 Notes: Retention of activity tracking data for the new Report Manager began on September 20, 2009 for all My Money Web users (participants, Plan Sponsors, and Financial Advisors). Retention of data for the Voice system began December 10, Sponsors and Advisors are restricted to My Money and Voice systems only. Enabling Activity Tracking for Sponsors/Advisors To enable Activity Tracking for Plan Sponsors or Financial Advisors, do the following: 1. In Schwab RT Admin, select Plan Sponsor Options or Financial Advisors Options from the Security menu. 2. Select the Sponsor(s) or Advisor(s) and click Load. 3. In the reports section, select Enable Activity Tracking Report. Note: After enabling the option, use Menu Manager and add the Activity Reports predefined menu element to the Sponsor or Advisor Home page. January 2011 Schwab Retirement Technologies Page 65 of 155

66 Login Report (Total Logins per Hour) A sample Login Report using the Total Logins Per Hour option appears below. January 2011 Schwab Retirement Technologies Page 66 of 155

67 You can click on any data point on the Login Summary graph to view user activity for a given moment in time, as demonstrated below. (Available data points are indicated by the solid dots that appear at regular intervals in the chart.) To drill down to the next level of detail, click on a user name in the list. Detailed session activity for that user appears. Examples of the Login Summary chart and both detail grids are shown below. January 2011 Schwab Retirement Technologies Page 67 of 155

68 The initial detail table can be customized as needed by resizing columns, changing column positions, and regrouping data. To regroup data, drag a column header to the upper left corner where it says Drag a column header here to group by that column. Data can be regrouped by Plan Code, Age, Status, Date, and Full Name (default). The following example shows data regrouped by Age. January 2011 Schwab Retirement Technologies Page 68 of 155

69 User Activity Report The User Activity Report shows the frequently of user visits to specific Web pages on a selected site. You can view data for specific pages and/or activities or you can select all pages and/or activities on the site. A sample User Activity Report appears below. January 2011 Schwab Retirement Technologies Page 69 of 155

70 Click on any bar on the graph to view information about the user who accessed that Web page, as demonstrated below. To drill down to the next level of information, click on a user name in the list. Detailed session activity for that user appears. Examples of the Page View Summary chart and both detail grids are shown below. Note: The detail table can be customized as needed by resizing columns, changing column positions, and regrouping data. January 2011 Schwab Retirement Technologies Page 70 of 155

71 Accessing Activity Reports from the Participant Access Page Activity Tracking reports are also available from the Participant Access window. When you search for a participant account, the Search Results grid will include a View Activity link, if there is activity to report for that participant. Note: The system reports activity only if the activity occurred with the time frame specified by the corresponding System Options setting below: Maximum History Days - Plan Sponsor Reports Maximum History Days - Financial Advisor Reports. January 2011 Schwab Retirement Technologies Page 71 of 155

72 Quicken Interface for Participant Web Schwab RT is pleased to announce the availability of Quicken Web Connect, which allow participants to view their 401(k) transactions in Quicken. Quicken is personal financial software that helps you see and manage all your finances in one place. The new Quicken interface uses Web Connect, an OFX protocol that provides connectivity between Schwab RT participant Web and Quicken. Participants log on to your Web site and click the Download to Quicken button on the Transaction History page. Downloaded transactions are automatically matched with existing transactions behind the scenes, and new ones are entered into the Quicken register. Web Connect also lets users access their account logon from within the Quicken software. Implementation of Quicken Web Connect requires you to sign a contract agreement with Schwab RT. Certain information is required to set up your account and to be listed in Quicken s Financial Institution Directory. For this purpose, Schwab RT will provide you with a separate Intuit Financial Institution Branding/Directory Setup Information form to complete. To learn more about the advantages of integrating with Quicken, visit the Intuit site for financial institutions at fi.intuit.com. Note: This initial release of the Quicken download does not offer Direct Connect, which provides the ability to pay bills, transfer money, and other two way functionality. To begin the implementation process for your site, contact Schwab RT Client Services at or schwabrt.support@schwab.com. We will provide you with details on the required contract agreement and branding process. January 2011 Schwab Retirement Technologies Page 72 of 155

73 Enabling Quicken Transaction Export After you have signed the Quicken contract agreement, Schwab RT will activate an option that you can use to enable the Quicken export for your participant Web site. To enable the Quicken export, do the following: 1. In Schwab RT Admin, go to Plan Options, select a plan or plans, and click Continue. 2. Select Advice and Planning Options. 3. Select Enable Quicken and Money Transaction Export. 4. Click Update. January 2011 Schwab Retirement Technologies Page 73 of 155

74 Accessing Quicken from Schwab RT Participant Web The procedure for accessing Quicken from the participant Web differs slightly depending on whether or not you are accessing Quicken for the first time. Both procedures are illustrated below. Initial Quicken Download To access Quicken from Schwab RT Web for the first time, do the following: 1. Login to Schwab RT Web as a participant. 2. Go to the Transaction History page. 3. Select the desired date range and click the Download to Quicken icon Note: The Quicken Help button displays a set of Frequently Asked Questions (FAQ) to familiarize participants with differences between the Schwab RT Web and Quicken 401(k) transactions. January 2011 Schwab Retirement Technologies Page 74 of 155

75 4. On the Welcome window, select the appropriate option to indicate whether or not you are a new Quicken user. For purposes of this procedure, we ll select the I am new to Quicken option. Note: If Quicken is not installed on your computer, Windows will prompt you to find or save the Quicken program file but it will not be able to open that file in the application. If this happens, visit where you can purchase and download a copy of Quicken. January 2011 Schwab Retirement Technologies Page 75 of 155

76 5. The next window presents options for naming your Quicken data file. For this procedure, we ll accept the default file name and location. If you want to use a different name and location, select the second option. 6. The Quicken Product Registration displays next. We recommend that you register the product at the first opportunity; otherwise, the registration window will continue to appear at regular intervals throughout each Quicken session. January 2011 Schwab Retirement Technologies Page 76 of 155

77 7. Quicken displays the account confirmation window. The window contains the following information: Financial Institution Account Type Account Number The name of the Financial Institution (TPA) to which the account is registered. Identifies the account type as Investment. This ID identifies both the TPA and participant, and consists of a 3-character TPA ID, followed by a unique 8-character User ID. This ID does not use the participant s Social Security number. Do one of the following, then click Continue. If you have an existing Quicken account set up to track your Schwab RT account, select the Use an existing Quicken account and then select it from the list. If you do not have an existing Quicken account, click Create a new Quicken account and type the account name. Defaults to Investment at <TPA Name>. January 2011 Schwab Retirement Technologies Page 77 of 155

78 8. On the Additional 401(k) Information window, do the following: a. Type the Employer Name. b. Select Current Employer or Previous Employer. c. Select My Account or My Spouse s Account. d. Click OK. 9. The One Step Update Summary displays update information. Click Close. January 2011 Schwab Retirement Technologies Page 78 of 155

79 10. Quicken opens and displays the Investing tab, which includes the Holdings register and other information. January 2011 Schwab Retirement Technologies Page 79 of 155

80 Subsequent Quicken Downloads After the participant has accessed Quicken for the first time, the screen sequence for subsequent sessions appears as follows: 1. Login to Schwab RT Web as a participant. 2. Go to the Transaction History page. 3. Select the desired date range and click the Download to Quicken icon. 4. When the File Download window appears, do one of the following: a. Click Save to save the Quicken session to your hard drive. After the file is saved, click Open to access the session. b. Click Open to access Quicken directly without saving the session. 5. Quicken displays a message to indicate whether any new transactions are available for update to Quicken. Click OK. January 2011 Schwab Retirement Technologies Page 80 of 155

81 6. The One Step Update Summary displays update information. Click Close. Note: If the product has not yet been registered, the Quicken Product Registration displays next. January 2011 Schwab Retirement Technologies Page 81 of 155

82 7. The Quicken Setup Overview window displays. Participants can use this window to set up their accounts and view training videos. January 2011 Schwab Retirement Technologies Page 82 of 155

83 Accessing Schwab RT Web from Quicken In addition to accessing Quicken from Schwab RT Web, participants can access the TPA s URL directly from within Quicken. For example, if a participant has Quicken installed on her home computer, she can access the TPA s URL from within Quicken, using the following procedure. 1. In Quicken, select Online Center from the Online menu. 2. Select your Financial Institution from the list and click the Update/Send button in the upper right corner. 3. The TPA s logon page appears, allowing you to access your account on the Web. After logging in, you will automatically be taken to the Transaction History page. Contact Information The Online Center also provides contact information for participants. This information is obtained and entered in the system during the initial setup and branding process. January 2011 Schwab Retirement Technologies Page 83 of 155

84 Frequently Asked Questions (FAQ) for Participants Participants can access a set of frequently asked questions by clicking on the Help button next to the Quicken Download button in Schwab RT Transaction History. Default content for the FAQ appears below: Quicken Download -- Frequently Asked Questions How do I access Quicken from my retirement account? Open the Transaction History page, select the appropriate date range, and click the Download to Quicken button. What if Quicken is not installed on my computer? If Quicken is not installed on your computer, Windows will prompt you to find or save the Quicken program file but it will not be able to open that file in the application. If this happens, visit where you can purchase and download a copy of Quicken. Can I access my retirement account from within Quicken? Yes. In Quicken, select Online Center from the Online menu, select your Financial Institution, and then click the Update/Send button. The logon page appears, allowing you to access your account on the Web. After logging in, you will automatically be taken to the Transaction History page. Where can I get help on using the Quicken software? If you're having problems that are specific to your Quicken software, such as importing your data into Quicken, please refer to the help information within the Quicken program, or visit Quicken Technical Support on the Web. Why do Placeholder Entries sometimes appear in the Quicken Transaction List? Quicken uses a Placeholder Entry to summarize data for a missing portion of the transaction history. For any given security, if the total number of shares bought or added in a transaction list doesn't equal the number of shares in the account, then Quicken enters a placeholder transaction to make up the difference. Why doesn't the market value of my account listed within Quicken match the market value listed at the bottom of my register? Quicken may calculate market value differently under different circumstances. If you use the Online Quotes & News feature of Quicken to download fund prices, Quicken will use these prices to calculate the value of your fund and display this value at the bottom of your investment register and in your portfolio. If you do not use the Online Quotes & News feature, Quicken may use the share price associated with the most recent transaction involving your fund to calculate market value. If this is the case, then your market value will only be as accurate as your most recent transaction. Keep in mind that the market value listed on the Holdings tab in the Online Center is updated every time you download your account information. The Unit Price listed on the Holdings tab is based on the closing price of the fund from the previous business day. January 2011 Schwab Retirement Technologies Page 84 of 155

85 Why don't some of my account's transactions listed within Quicken match the transactions listed on my retirement account website? Cash Transactions: You may notice on the retirement account website Transaction History page the presence of Cash Receipts and/or Cash Disbursements transactions. These transactions "net-out" to zero and do not affect your share balances. For efficiency, these "net zero" cash transactions are not downloaded to Quicken. However, any time they do affect your share balance, be assured that they will be downloaded to Quicken's transaction register. Sources: Transactions appearing on your retirement account website will usually be broken down into sources or "money types" (for example, Employee Deferral, Employer Match, Employer Profit Sharing, Employer Money Purchase, etc.). However, in Quicken these same transactions are summed by source. (Exceptions to this are transfers from one fund to another.) For example, on your retirement account website you may see two transactions for the same security on the same day with different sources, say Employee Deferral and Employer Match. However, in Quicken you might see a single BUYMF transaction which represents the sum of the two Employee Deferral and Employer Match transactions. Again, this difference does not affect share balance and is done to minimize the download time and file size. January 2011 Schwab Retirement Technologies Page 85 of 155

86 Verifying Investment Holdings If you wish to verify that investment holdings displayed in Quicken match the holdings in Schwab RT Web, do the following: 1. In Schwab RT Web, open the Investment Summary page. 2. Access Quicken from the icon on the Transaction History page. 3. In Quicken, on the Investing Overview tab, select Go to Full Portfolio under Options. 4. Compare the Quicken Full Portfolio window with the Schwab RT Investment Summary to verify that the account holdings are identical. Note: In some instances, Quicken investment data may vary to within one penny of the Schwab RT data for the same investment due to rounding. January 2011 Schwab Retirement Technologies Page 86 of 155

87 Verifying 401(k) Transaction Data If you wish to verify the accuracy of transaction history in Quicken against the same transactions in Schwab RT, do the following: 1. In Schwab RT Web, open the Transaction History page and use the filter options to select a specific date range (or accept the default range). 2. Access Quicken from the icon on the Transaction History page. 3. In Quicken, on the Investing tab, select Transactions. The Transactions window displays, as shown below. 4. Compare the transactions in Schwab RT with the transactions in Quicken to verify that the data is identical. Note: Use the displayed Schwab RT transactions for comparison or export to an Excel spreadsheet (recommended) using the Excel icon in the upper right. For an illustration of a data comparison between the two systems, see Source Roll Up (Sample Transaction Comparison) later in this document. January 2011 Schwab Retirement Technologies Page 87 of 155

88 How Quicken Transactions Differ This section identifies some features of Quicken that differ from the way transaction data is presented to participants in Schwab RT Web. Comparing Transaction Data Elements The table headings used to identify transactions differ between Schwab RT and Quicken, as shown in the following table. Items marked with an asterisk (*) are discussed in more detail later. Schwab RT Transaction Data Transaction Type * Transaction Date Transaction Amount Source Name * Investment Name Units Price Activity Type * Requestor Investment Performance links * (not shown) Quicken Transaction Data Action Date Inv Amt (not shown) Security Description Description (click on transaction to display) (not shown) (not shown) Cash Balance Transaction Types vs. Actions For each investment, Quicken aggregates data by Action type (Bought, Sold, or Reinvest) across all available sources. By contrast, Schwab RT reports investment data by individual source for each investment and Transaction Type. In addition to buys and sells, Schwab RT also reports cash receipts and disbursements, while Quicken does not. January 2011 Schwab Retirement Technologies Page 88 of 155

89 Transaction Detail In Quicken, when you click on a transaction, it shows a description of the activity and provides options to enter, edit, delete, and attach data, as shown below. Note: For information on using these and other controls, participants should be encouraged to consult the online help and training resources available in Quicken. In Schwab RT Web, when you click on a transaction, the investment performance report for that investment displays. The Schwab RT transaction history includes a separate Activity Type column for each transaction. Placeholder Entry Quicken uses a Placeholder Entry to summarize data for a missing portion of the transaction history. For any given security, if the total number of shares bought or added in a transaction list doesn't equal the number of shares in the account, then Quicken enters a placeholder transaction to make up the difference. In this case, the placeholder represents transaction history that occurred before the date range selected for the displayed transaction history. January 2011 Schwab Retirement Technologies Page 89 of 155

90 Source Roll Up (Sample Transaction Comparison) Most transactions on Schwab RT Web have a one-to-one correspondence with the Quicken register. Others are totaled across Sources. To demonstrate this difference, we ll compare sample transactions from Schwab RT Web with the same transactions in Quicken. The following table shows the initial display of Schwab RT transactions for the Artisan International Inv fund. For clarity of illustration, some transaction dates have been deleted. On the next page, we ll resort the data and compare it to Quicken to show examples of transactions that are rolled up across sources. Red and blue font is used to identify those transactions. Schwab RT Web, Transaction History (initial display, exported to spreadsheet and sorted, with Sources reported separately) Transaction Type Transaction Date Transaction Amount Source Name Investment Name Units Price Activity Type SALE OF SHARES 07/15/2009 $4.49 Employee Deferral Artisan International Inv $16.85 CONSULTING FEE CASH DISBURSEMENT 07/15/2009 $4.49 Employee Deferral Artisan International Inv $16.85 CONSULTING FEE CASH DISBURSEMENT 07/15/2009 $0.99 Employer Match Artisan International Inv $16.85 CONSULTING FEE SALE OF SHARES 07/15/2009 $0.99 Employer Match Artisan International Inv $16.85 CONSULTING FEE CASH DISBURSEMENT 07/15/2009 $15.75 Employer Money Purchase Artisan International Inv $16.85 CONSULTING FEE SALE OF SHARES 07/15/2009 $15.75 Employer Money Purchase Artisan International Inv $16.85 CONSULTING FEE CASH DISBURSEMENT 07/15/2009 $0.16 Roth Deferral Artisan International Inv $16.85 CONSULTING FEE SALE OF SHARES 07/15/2009 $0.16 Roth Deferral Artisan International Inv $16.85 CONSULTING FEE PURCHASE OF SHARES 07/14/2009 $11.46 Employee Deferral Artisan International Inv $16.24 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 07/14/2009 $12.54 Employee Deferral Artisan International Inv $16.24 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 07/14/2009 $6.27 Employer Match Artisan International Inv $16.24 EMPLOYER MATCHING CONTRIBUTION PURCHASE OF SHARES 07/14/2009 $83.64 Employer Money Purchase Artisan International Inv $16.24 EMPLOYER CONTRIBUTION PURCHASE OF SHARES 07/14/2009 $12.54 Roth Deferral Artisan International Inv $16.24 EMPLOYEE POST TAX CONTRIBUTION SALE OF SHARES 07/06/2009 $ Employee Deferral Artisan International Inv $16.35 ASSET ALLOCATION SALE OF SHARES 07/06/2009 $67.71 Employer Match Artisan International Inv $16.35 ASSET ALLOCATION SALE OF SHARES 07/06/2009 $1, Employer Money Purchase Artisan International Inv $16.35 ASSET ALLOCATION SALE OF SHARES 07/06/2009 $1.42 Roth Deferral Artisan International Inv $16.35 ASSET ALLOCATION SALE OF SHARES 07/06/2009 $6.12 Roth Deferral Artisan International Inv $16.35 ASSET ALLOCATION PURCHASE OF SHARES 06/29/2009 $11.46 Employee Deferral Artisan International Inv $16.82 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 06/29/2009 $12.54 Employee Deferral Artisan International Inv $16.82 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 06/29/2009 $6.27 Employer Match Artisan International Inv $16.82 EMPLOYER MATCHING CONTRIBUTION PURCHASE OF SHARES 06/29/2009 $83.64 Employer Money Purchase Artisan International Inv $16.82 EMPLOYER CONTRIBUTION PURCHASE OF SHARES 06/29/2009 $12.54 Roth Deferral Artisan International Inv $16.82 EMPLOYEE POST TAX CONTRIBUTION PURCHASE OF SHARES 06/12/2009 $11.46 Employee Deferral Artisan International Inv $17.03 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 06/12/2009 $12.54 Employee Deferral Artisan International Inv $17.03 EMPLOYEE PRE-TAX CONTRIBUTION PURCHASE OF SHARES 06/12/2009 $6.27 Employer Match Artisan International Inv $17.03 EMPLOYER MATCHING CONTRIBUTION PURCHASE OF SHARES 06/12/2009 $83.64 Employer Money Purchase Artisan International Inv $17.03 EMPLOYER CONTRIBUTION PURCHASE OF SHARES 06/12/2009 $12.54 Roth Deferral Artisan International Inv $17.03 EMPLOYEE POST TAX CONTRIBUTION January 2011 Schwab Retirement Technologies Page 90 of 155

91 Trans Type Trans Date In this one to one comparison, note that the following transactions have been totaled across sources: On 06/29/2009, Quicken shows rolled up transaction amounts by source ($24.00 = $11.46 Employee Deferral + $12.54 Employee Deferral) and rolled-up units (1.427 = Employee Deferral Employee Deferral). See blue font below. On 07/06/2009, the SoldX transaction amount in Quicken is rolled-up by all sources ($1, = $ Employee Deferral + $67.71 Employer Match + $1, Employer Money Purchase + $ $6.12 Roth Deferral). See red font below. Schwab RT Web, Transaction History, isolated by Date, Activity Type and Transaction type, with Sources combined. Trans Amt Source(s) Combined Investment Units Price Activity Type PURCHASE OF SHARES 06/29/2009 $24.00 Employee Deferral Artisan International Inv $16.82 EMPLOYEE PRE-TAX CONTRIB. PURCHASE OF SHARES 06/29/2009 $12.54 Roth Deferral Artisan International Inv $16.82 EMPLOYEE POST TAX CONTRIB. PURCHASE OF SHARES 06/29/2009 $6.27 Employer Match Artisan International Inv $16.82 EMPLOYER MATCHING CONTRIB. PURCHASE OF SHARES 06/29/2009 $83.64 Employer Money Purchase Artisan International Inv $16.82 EMPLOYER CONTRIBUTION SALE OF SHARES 07/06/2009 $1, Employee Deferral + Employer Match + Employer Money Purchase + Roth Deferral Artisan International Inv $16.35 ASSET ALLOCATION PURCHASE OF SHARES 07/14/2009 $24.00 Employee Deferral Artisan International Inv $16.24 EMPLOYEE PRE-TAX CONTRIB. PURCHASE OF SHARES 07/14/2009 $12.54 Roth Deferral Artisan International Inv $16.24 EMPLOYEE POST TAX CONTRIB. PURCHASE OF SHARES 07/14/2009 $6.27 Employer Match Artisan International Inv $16.24 EMPLOYER MATCHING CONTRIB. PURCHASE OF SHARES 07/14/2009 $83.64 Employer Money Purchase Artisan International Inv $16.24 EMPLOYER CONTRIBUTION January 2011 Schwab Retirement Technologies Page 91 of 155

92 Gadget Home Page (Beta) Gadget functionality for Schwab RT Web is currently being refined and Beta tested by Schwab RT. During this interim period, we re making Gadget options available on a prerelease basis so that you can begin familiarizing yourself with these options and thinking about how to use them to benefit your participants. Gadgets are dynamic, mini-applications that can be added to Gadget Containers to customize the Schwab RT Home page in My Money. Gadgets are created using the Gadget Editor in the Schwab RT Admin. A Gadget Container is a grouping of Gadgets that appear together to create a Web page. The container includes selected Gadgets and determines the positioning of each Gadget as it will appear on the Web page. For your convenience, Schwab RT provides a default Home page Gadget Container as well as a selection of prebuilt Gadgets. You can also create your own Gadgets and Gadget Containers using the Gadget Editor and the Gadget Container tools provided in Schwab RT Admin. The following table identifies the new options delivered in this release and also summarizes the Gadget functionality released previously. Release Description October 2009 Pre-defined set of Gadgets for Home page Plan-level option to use Gadgets on Home page December 2009 Gadget Editor February 2010 Enhanced Gadget Editor New Gadget Container Editor Ability to add new Gadgets and Gadget Containers January 2011 Schwab Retirement Technologies Page 92 of 155

93 An example of our default Home page Gadget Container (Default_Home) appears below: The predefined Gadget Home page includes the following Schwab RT (SRT) Gadgets: Gadget Name Data Source SRT_PartWelcome Traditional Home page Welcome Message SRT_MyAccountSummary Account Information section of Traditional Home page SRT_MyPortfolio Investment Summary page SRT_dvBalanceHistory My Performance page SRT_StockMarketChart Traditional Home page January 2011 Schwab Retirement Technologies Page 93 of 155

94 Adding Gadgets to the Home Page (Fast Track) To add Gadgets to the Home page for a plan, log on to Schwab RT Admin and follow the procedures below. Detailed documentation of these summary procedures is provided later in this document. Create/Modify Gadgets Go to Web Options>Gadget Editor to do any of the following: Add New Gadget Click Add New Gadget, complete the fields on the Gadget Editor page and click Save. Edit/Delete Gadget Click the link in the Edit column of the Gadget you want to modify, make the modifications, and click Save. Click Delete to delete the Gadget. Predefined Gadgets can not be edited or deleted. Preview Gadget Click the Part link in the Preview column of the Gadget to preview the Gadget on a participant Home page. Click the Admin link in the Preview column of the Gadget to preview the Gadget on the Gadget Editor page. Create/Modify Gadget Containers Go to Web Options>Gadget Containers to do any of the following: Add New Container Click Add New Gadget Container, define the name and contents of the container by dragging available Gadgets to the Gadget Canvas, and click Save. Edit Container Click the link in the Edit column of the container you want to modify, make the modifications, and click Save. Preview Container Click the Part link in the Preview column of the container to preview the container on a participant Home page. Assigning a Gadget Home Page to a Plan 1. Go to Plan Options>Template Configuration. 2. Under Gadget Options, select Gadget. 3. Under Gadget Container, select the appropriate Home Page container that will be assigned to the selected plan(s) and click Update. January 2011 Schwab Retirement Technologies Page 94 of 155

95 Using the Gadget Editor The Gadget Editor, accessed from the Web Options menu in Schwab RT Admin, provides a listing of all your current Gadgets. You can use the Gadget Editor to add, modify, and preview Gadgets. You can also delete a Gadget, unless it is currently in use or is a predefined Schwab RT Gadget, as indicated by the SRT prefix. January 2011 Schwab Retirement Technologies Page 95 of 155

96 Field Definitions The Gadget Editor page includes the following fields: Name Audience Container Type Edit Preview Names prefixed with SRT_ are provided by Schwab RT. SRT Gadgets are locked and cannot be modified or deleted. There are also Gadgets prefixed with Sample_ that show some examples of how Gadgets can be used. Sample Gadgets cannot be edited or deleted but you can copy them and modify the copy. The group of users for whom the Gadget is intended. Some Gadgets can work for anyone in any application but some will only work correctly or make sense for a specific audience. Options: Participant or All. Specifies the type of Web page for which the container is designed. Options: HomePage or Any. Provides an Edit link for editing a Gadget. If the Gadget the locked, the View link appears. Allows you to see the Gadget as it will appear to users. If the Gadget is available only to participant audiences, you can preview it in My Money. If it is available to all audiences, you can choose to view it in My Money or in Schwab RT Admin Gadget Editor. When you click Part, you ll be prompted to log on to My Money and then taken directly to the participant Home page to preview the Gadget. The Admin link, if available, lets you preview the Gadget in the Gadget Editor. January 2011 Schwab Retirement Technologies Page 96 of 155

97 Use the links in the Preview Column to preview the Gadget in the editor (Admin) or on the participant Home page (Part), as demonstrated below. January 2011 Schwab Retirement Technologies Page 97 of 155

98 About Editing Gadgets Gadgets have four basic properties: name, audience, container type, and XML. Gadget XML is similar to Google Gadgets so you can familiarize yourself with their documentation ( Google has built in functions that are not supported by Schwab RT but we have provided some of the more popular features as well as providing variables that make getting data for your audience easy. Refer to the Schwab RT Variables section of this document for details or you can see the variables in action in the Sample_Variables Gadget (shown below) and the Sample_PartVariables Gadget. Gadgets can be as simple as displaying text or an image or as complex as the most complex JavaScript application. You will find examples of both. You are responsible for the content and function of the Gadgets you create. It is possible to affect other Gadgets in the same container or affect the page that the container resides on by using bad HTML or bad JavaScript in your Gadget so be sure to test your Gadget thoroughly before adding it to a container. January 2011 Schwab Retirement Technologies Page 98 of 155

99 Adding or Modifying Gadgets To add or modify a Gadget, do the following: Click Add New Gadget to create a new Gadget or click the Edit link to modify an existing Gadget. The Gadget Editor displays a page where you can define the characteristics of the Gadget and specify the URL or the HTML content that will be displayed to participants. An example of Gadget that uses HTML Content appears below. January 2011 Schwab Retirement Technologies Page 99 of 155

100 Instead of using HTML content, this sample Gadget points to a URL that displays an Investment Allocation chart. The Sample_JavaScript Gadget appears below. January 2011 Schwab Retirement Technologies Page 100 of 155

101 Using the Gadget Container Editor You can use the Gadget Container Editor, available from the Web Options menu, to add, modify, and preview Gadget Containers. You can also delete containers, unless the container is currently in use or it s the default container To preview a container in Schwab RT Web, click the Part link in the Preview column. Field Definitions The Gadget Container Editor page includes the following fields: Name Audience Type Plan Override Edit Preview The name assigned to the container when it is created. The predefined Default_Home container is provided by Schwab RT. Each container name must be unique. The group of users for whom the Gadget Container is intended. Currently, containers can be defined only for the Participant audience but this will be expanded to other type of users in a future release. Options: Participant or All. Specifies the type of Web page for which the container is designed. Options: HomePage or Any. Click the link in the Plan Override column to display which plans are currently assigned to that container. Provides an Edit link for editing a container. Displays a Part link that you can click to view the container as it will appear to users in My Money. January 2011 Schwab Retirement Technologies Page 101 of 155

102 Adding New Gadget Containers To add a new container, do the following: 1. Click Add New Gadget Container. A blank Gadget Canvas appears with a list of Available Gadgets. 2. Enter a unique name for the Gadget Container. 3. Select the Default Container option to assign the container as the default gadget container that will be used for all plans that have the Gadget Home page enabled but do not have container assigned. Only one default container is allowed. 4. Select the Audience and Type options. January 2011 Schwab Retirement Technologies Page 102 of 155

103 5. Add Gadgets to the canvas by dragging them from the list of Available Gadgets at the right, as demonstrated below, and save your changes: Note: Only one occurrence of a Gadget is allowed per container. Once the Gadget has been moved to the canvas, it is removed from the available list of gadgets. January 2011 Schwab Retirement Technologies Page 103 of 155

104 Editing Gadget Containers To modify an existing container, do the following: 1. Click the link in the Edit column of the corresponding container. The container appears, with the assigned Gadgets arranged inside the container. 2. To add a Gadget, drag the Gadget from the list of Available Gadgets to the desired position on the Gadget Canvas. To remove a Gadget from the canvas, drag it to the left or click on it once to return it to the list. Click Save to save your changes. 3. To delete the entire container, use the Delete button. You cannot delete the default container or any container that is currently in use, as indicated by the red Delete Blocked message. Note: The name and size of each Gadget appears when you hold your mouse over a Gadget in the list. This information will help to determine if there is available space on the canvas to add the Gadget. January 2011 Schwab Retirement Technologies Page 104 of 155

105 Assigning a Gadget Home Page to a Plan To enable the Gadget Home page for a plan, do the following: 1. In Schwab RT Admin, go to Plan Options, select a plan or plans, and click Continue. 2. Select the Template Configuration option. 3. Scroll down to the bottom of the page under Gadget Options and select the Gadget option. If Gadget is not selected, the traditional Home page is used for the plan. 4. Under Gadget Container, select from the list of available Home Page containers to use for the selected plan(s). The field defaults to the predefined Default_Home container. 5. Click Update. Note: When you enable the Gadget option for a plan, the Default_Home container is automatically applied until you select another container. January 2011 Schwab Retirement Technologies Page 105 of 155

106 Schwab RT Variables Variables are codes that you can add that are replaced with the actual value from the user s data that the variable represents. For example, the variable ${SESSION_ID} will be replaced by the user s Schwab RT session ID at run-time. This is very useful in customizing and integrating with Schwab RT. Variables are available to use in the following areas: Menu Links Content Gadgets Use Cases Below are some ways that you can use variables in those areas: Menu Links You can pass important information to other Web pages using variables like the sessionid using $(SESSION_ID}. That variable will be replaced at run time like this: will resolve to B Content Your custom content might say Welcome ${PART.FNAME}, which will be displayed as Welcome Linda on Linda s screen and Welcome Bob when Bob logs in. Gadgets Your custom Gadget may have javascript that looks to see if it s the participant s birthday and display a special message saying Happy Birthday when the current date matches the birth month and day. You would embed the variable ${PART.DOB} in your javascript. function getbirthdaymessage() { var currentday = new Date(); var birthday = new Date( ${PART.DOB} ); if(currentday.getmonth() == birthday.getmonth() && currentday.getdate() == birthday.getdate()) { return Happy Birthday ${PART.FNAME}!!! ; } else { return ; } } The ${PART.DOB} and ${PART.FNAME} will be replaced with the currently logged in participant s birth date and first name. January 2011 Schwab Retirement Technologies Page 106 of 155

107 The Variables There are two types of variables at this time, system variables and participant variables. Both variables are available In the My Money application. System Level Variables Variable Example Description ${WEBPATH} /ABC/MyMoney/aspx/ authenticated The current path of the page that the user is viewing ${RELATIVEPATH} /ABC/MyMoney The path to the application ${APPLICATION} MyMoney The name of the Web application ${SESSION_ID} PAS-F45521BFC9A74B4 The Schwab RT session ID 2A500632C650B ${USERNAME} Username The username that the user logged in with ${SKIN_ID} SRT The skin ID that is set for this user/plan ${SITETOKEN} 12 The unique integer value that Schwab RT uses to identify the TPA ${SITENAME} ABC The unique three letter acronym that Schwab RT uses to identify the TPA ${SESSION_TIMEOUT} 20 The number of minutes the session is good ${ASP.NET_SESSIONID} The.NET session ID Participant Level Variables Variable Example Description ${PART.AGE} 42 Participant s current age ${PART.DOB} 12/22/1966 Date of birth ${PART.DEFERRAL} 3 The total deferral amount or percent ${PART.BALANCE} Total account balance ${PART.VESTED_BALANCE} Vested balance ${PART.MARITAL_STATUS} M Marital status (M or S) ${PART.FNAME} Faurowan First name ${PART.LNAME} Kay Last name ${PART.PLAN_ID} 123 The plan code ${PART.PLAN_NAME} Some retirement The full name of the plan plan (123) ${PART.DIVISION} Division ${PART.STATUS_CODE} 751 Status code ${PART.STATUS_DESC} ACTIVE Status description January 2011 Schwab Retirement Technologies Page 107 of 155

108 December, 2009 Enhancements This update to Schwab RT Web provides the following application enhancements: What s New in Schwab RT Admin This release delivers a new look for Schwab RT Admin pages as well as significant enhancements to improve navigation and usability. The following summary of changes includes several new admin settings that are discussed in detail in the relevant sections of these release notes: New skin design applied to all pages (based on your default skin). Removed old Skin Manager. New home page itemizes the latest set of application changes (application version information now appears on System Options menu). Corrected intermittent session timeout and browser resizing issues. Removed multiple, nested scroll bars. Removed second-level row of icon buttons from top menu navigation. Removed secondary links at far right of some pages, eliminating an extra step when navigating to other pages. New Calculate Estimated Redemption Fee option under Plan Options. New Report Manager. For details, see New Report Manager for Tracking Web Activity in this document. New security role and notification settings for Payroll Monitoring. For details, refer to SchARP Payroll Monitoring in the SchARP Product Feature Update (December, 2009.) The following changes were made in conjunction with the new Report Publishing feature: Moved Plan Sponsors Options and Financial Advisors Options from Web Options menu to Security menu. Added new Report Publishing exclusion options for Sponsors and Advisors. Removed Plan Sponsor Links option. For details, refer to Report Publishing for Plan Sponsors and Financial Advisors in the SchARP Product Feature Update (December, 2009). January 2011 Schwab Retirement Technologies Page 108 of 155

109 New Report Manager for Tracking Web Activity For the latest details on the new Report Manager, see Web Activity Tracking Reports for Sponsors and Advisors. A new Report Manager in Schwab RT Admin provides the following real time Web activity tracking reports: User Activity Report Shows the frequently of user visits to specific Web pages and activities. Filter by plan, date range, system (Participant, Plan Sponsor, Financial Advisor, Voice), activity, user ID, or Web page name. Allows you to click on a user name to see detailed session activity. Login Report Shows number of logins per hour or per day of the month, color coded to indicate success or failure. Identifies plans with the most logins and peak login hours. Filter by plan, date range, system (Participant, Plan Sponsor Financial Advisor, Voice), or user ID. Provides the ability to drill down on individual user activity and customize data displays. Each report consists on three sections: selection parameters, color graph, and data grid with totals. Reports can be generated for any system to which the Schwab RT Admin user has security access. All reports include options to export charts and data to PDF or Excel. The new Report Manager is accessed from the System Options menu, as shown below. Notes: The old Report Manager will still be available from the System Options menu if you wish to continue using it. Retention of activity tracking data for the new Report Manager began on September 20, 2009 for all My Money Web users (participants, Plan Sponsors, and Financial Advisors). Retention of data for the Voice system begins December 10, January 2011 Schwab Retirement Technologies Page 109 of 155

110 Redemption Fees Messages This release delivers significant enhancement of the existing Redemption Fee warnings displayed to participants who request transfers or realignments via Schwab RT Web. Currently, when a participant initiates a fund transfer or realignment, the screen displays information on all investments in the plan subject to a contingent redemption fee. The information does not indicate when the fee will be applied or provide an estimated fee amount so the participant can make an informed decision about proceeding with the request. An example of the current redemption fee warning appears below: With implementation of the new redemption fee messaging, when the participant requests a transaction, the system returns a dollar amount estimate of the fee incurred by each fund involved in the transaction and clearly states how and when the fee is assessed and applied. The redemption fee information is displayed for the participant s approval before the transaction is submitted. Note: Please be aware of the following situation: If the investment has a redemption fee vendor with a minimum fee amount, there is a possibility that the Web could return an estimated redemption fee higher than what recordkeeping would actually calculate. January 2011 Schwab Retirement Technologies Page 110 of 155

111 Enabling Estimated Redemption Fees Calculation for the Plan To enable the new estimated redemption fee calculation on the participant Web, go to Plan Options>Environment page in Schwab RT Admin and select the Calculate Estimated Redemption Fee option under Web Options, as shown below. January 2011 Schwab Retirement Technologies Page 111 of 155

112 Redemption Fee Transaction Examples This section shows examples of transfers and realignments with and without the new estimated redemption fee calculation feature. When the Calculate Estimated Redemption Fee option is enabled, a separate estimated fee page is displayed for acknowledgement by the participant. The estimated fee is also included in the confirmation page. If the option is not selected, the estimated fee is not calculated or displayed to the participant. Examples of these pages are included so you can see content changes that are applied to all redemption fee transactions, regardless of whether the estimated fee calculation is enabled or not. The following transactions are illustrated below: Transfers (with Calculated Fee Estimate) Transfers (without Calculated Fee Estimate) Realignments (with Calculated Fee Estimate) Realignments (without Calculated Fee Estimate) Example 1: Transfers (With Calculated Fee Estimate) The following transfer request illustrates the new redemption fee warnings and also includes examples of excessive trading messaging. Schwab RT Admin Plan Option: Select a Source Page When the participant selects the Transfer option from the menu, the following page appears and the participant selects the appropriate source(s) for the transfer. January 2011 Schwab Retirement Technologies Page 112 of 155

113 Transfer From Page Next, the investments for the selected source(s) display for selection. If applicable, redemptions fee and excessive trading warning icons appear in the corresponding rows of the grid. Definitions of Contingent Redemption Fee and Trading Policy appear at the bottom of the page. After selecting the transfer type, the investment from which the transfer will be taken, and the amount of the transfer ($ ), the participant clicks Continue. January 2011 Schwab Retirement Technologies Page 113 of 155

114 When the user holds the mouse over a warning icon in the investment grid, a description of the warning message appears, as shown below. Estimated Redemption Fee Acknowledgement Page This page displays the estimated redemption fee amount. In addition to the estimate, full descriptions of the contingent and estimated fees are provided, followed by an acknowledgement option. To proceed with the request, the participant must select the acknowledgement option and click Accept. January 2011 Schwab Retirement Technologies Page 114 of 155

115 Transfer To Page The participant uses this page to indicate which investment(s) will receive all or part of the transfer amount ($ ). The amount transferred to an individual investment cannot exceed the amount selected earlier on the Transfer From page, as indicated in the Max Amount column. The total must be equal to the Transfer From amount. Descriptions of the contingent redemption fee and trading policy are provided, along with a required acknowledgement. January 2011 Schwab Retirement Technologies Page 115 of 155

116 Participants can view a list of investments in the plan by clicking the link at the end of the acknowledgement statement, as shown below. After checking the acknowledgement option, the participant clicks Transfer to submit the request. Confirmation Page The confirmation page summarizes the completed transaction and includes the estimated fee amount, fee definitions, and the sources/investment selected for the transfer. January 2011 Schwab Retirement Technologies Page 116 of 155

117 (Transfer Confirmation Page, continued) January 2011 Schwab Retirement Technologies Page 117 of 155

118 Example 2: Transfers (Without Calculated Fee Estimate) In this example, the estimated redemption fee is not calculated or displayed to the participant. Examples of these pages are included so you can see content changes that are applied to all redemption fee transactions, regardless of whether the estimated fee calculation is enabled or not. Schwab RT Admin Plan Option: Select a Source Page January 2011 Schwab Retirement Technologies Page 118 of 155

119 Transfer From Page The following message appears when you click Continue. January 2011 Schwab Retirement Technologies Page 119 of 155

120 Transfer To Page Note: Participants can view plan investments by clicking the link at the end of the acknowledgement statement. January 2011 Schwab Retirement Technologies Page 120 of 155

121 Confirmation Page January 2011 Schwab Retirement Technologies Page 121 of 155

122 Example 3: Realignments (With Calculated Fee Estimate) The following realignment request illustrates the new redemption fee warnings and also includes examples of excessive trading messaging. Schwab RT Admin Plan Option: Select a Source Page When the participant selects the Realignment option from the menu, the following page appears and the participant selects the appropriate source(s) for the realignment. January 2011 Schwab Retirement Technologies Page 122 of 155

123 Realign Portfolio Page Next, the investments for the selected source(s) display for realignment. If applicable, redemptions fee and excessive trading warning icons appear in the corresponding rows of the grid. Full Descriptions of the contingent redemption fee and trading policy are provided at the bottom of the page, along with a required acknowledgement. The participant selects the appropriate realignment percentages in the New % column. January 2011 Schwab Retirement Technologies Page 123 of 155

124 Participants can view a list of investments in the plan by clicking the link at the end of the acknowledgement statement, as shown below. After checking the acknowledgement option, the participant clicks Submit Realignment. January 2011 Schwab Retirement Technologies Page 124 of 155

125 Estimated Redemption Fee Acknowledgement Page This page displays the estimated redemption fee amounts. In addition to the estimate, full descriptions of the contingent and estimated fees are provided, followed by an acknowledgement option. To proceed with the request, the participant must select the acknowledgement option and click Accept. January 2011 Schwab Retirement Technologies Page 125 of 155

126 Confirmation Page The confirmation page summarizes the completed transaction and includes the estimated fee amounts, fee definitions, and the sources/investment selected for the realignment. January 2011 Schwab Retirement Technologies Page 126 of 155

127 Example 4: Realignments (Without Calculated Fee Estimate) In this example, the estimated redemption fee is not calculated or displayed to the participant. Examples of these pages are included so you can see content changes that are applied to all redemption fee transactions, regardless of whether the estimated fee calculation is enabled or not. Schwab RT Admin Plan Option: Select a Source Page January 2011 Schwab Retirement Technologies Page 127 of 155

128 Realign Portfolio Page Note: Participants can view plan investments by clicking the link at the end of the acknowledgement statement. January 2011 Schwab Retirement Technologies Page 128 of 155

129 Confirmation Page January 2011 Schwab Retirement Technologies Page 129 of 155

130 October, 2009 Enhancements This update to Schwab RT Web provides the following application enhancements: My Money Participant Web Enhancements For information on My Money features, settings, and links, refer to the appendix to this document, which reprints the My Money migration notes released in September This initial installment of Release 4.0 brings implementation of the My Money participant Web upgrade along with the following new enhancements: Gadgets for Participants (Phase 1) A new landing page containing snapshots of various views of a participant s account. Gadgets are miniature objects that add dynamic, interactive content to a Web page. See December Release Notes for details. New Financial Advisor Options Allow advisors to access to the Loan Report. New Plan Sponsor Options Allow sponsors to change their address online, view Transaction History Report and Investment Performance, and access participant accounts by Division, Alternate Key, and Group Code. January 2011 Schwab Retirement Technologies Page 130 of 155

131 Financial Advisor Loan Report This release provides a new Loan Report option for Financial Advisors. A sample Loan Report appears below. January 2011 Schwab Retirement Technologies Page 131 of 155

132 Enabling the Loan Report To enable the new Loan Report in Schwab RT Admin, go to Web Options>Financial Advisor Options> Report Options and select Enable Loan Report. Adding the Loan Report Option to the Menu To add the Loan Report to the Financial Advisor menu, go to Web Options>Menu Manager, load the Financial Advisor menu, and add the Loan Report predefined menu element to the Financial Advisor Reports menu. The pre-defined Financial Advisor menu options appear below. January 2011 Schwab Retirement Technologies Page 132 of 155

133 Plan Sponsor Enhancements Plan Sponsor enhancement for this release include access to Transaction History, Investment Performance, and participant accounts based on Division, Alternate Key, and Group Code. In addition, a new option lets Plan Sponsors modify all their address information online. Transaction History Report The new Plan Sponsor Transaction History report appears below. January 2011 Schwab Retirement Technologies Page 133 of 155

134 Enabling Transaction History To enable the new Transaction History Report in Schwab RT Admin, go to Web Options>Plan Sponsor Options> Report Options and select Enable Transaction History Report. Investment Performance Report The new Plan Sponsor Investment Performance option appears below. January 2011 Schwab Retirement Technologies Page 134 of 155

135 Enabling Investment Performance To enable the new Investment Performance option in Schwab RT Admin, go to Web Options>Plan Sponsor Options and select Enable Investment Performance. Changing Account Information With this new option, Plan Sponsors can change their mailing address and phone number online. Previously, only the address could be changed. Plan Sponsor address information is initially entered into the system when the operator record is created in Schwab RT Admin Security. January 2011 Schwab Retirement Technologies Page 135 of 155

136 Enabling Address Change To enable the new address change option in Schwab RT Admin, go to Web Options>Plan Sponsor Options and select Enable Synoptic Information Update. Adding Options to the Menu To add the new options to the Plan Sponsor menu, go to go to Web Options>Menu Manager, load the Plan Sponsor menu, and add the predefined menu elements shown below to the Plan Sponsor menu. Note: For the new option that allows the sponsor to modify his address, use the existing Change Address option in Menu Manager. January 2011 Schwab Retirement Technologies Page 136 of 155

137 New Participant Access Methods for Plan Sponsors Participant Access Methods previously available only to Financial Advisors are now available for Plan Sponsors as well. The new options are illustrated and defined below. With the exception of the Access Level option, all Plan Level Settings are new with this release. Field Definitions Definitions for new Plan Sponsor Plan level Settings appear below: Plan Totals Access Access Method and Access Options Allows the Plan Sponsor to view balances for plan totals only. Indicates the method used for selecting which participants the Plan Sponsor will be able to access. Except for All Participants and No Access, each option generates a corresponding list under Access Options from which you can select the appropriate items. All Participants Allows access to all participant accounts. SSN Displays a list of Social Security numbers for selection. Divisions Displays a list of available Plan Divisions for selection. Group Code Displays a list of available Group Codes for selection. Alternate Key (1 or 2) Displays a list of available Alternate Keys for selection. No Access Denies access to all participant accounts. January 2011 Schwab Retirement Technologies Page 137 of 155

138 Appendix: My Money Preview/Transition Note: The following information is reprinted from the September, 2009 product update to provide a quick reference on new features, settings, and links for the new My Money participant Web upgrade. To Preview the new participant site, go to: To Upgrade to the new site anytime within the next 30 days, contact Schwab RT Client Services. For migration information, see Migration Checklist. We are pleased to deliver My Money, the new version of Schwab RT Web for participants. The result of extensive Web usability studies, collaborative Web design session with clients, and advancements in Web design and technology, My Money provides an array of new features to help you grow your business and impress your clients. The My Money release of Schwab RT Web for participants mirrors the look and feel currently available for Sponsor & Advisor sites. The following new elements provide participants with a crisp, convenient, and responsive environment in which to manage their accounts: User-Centric Page Design and Layout Create distinctive, theme-based skins for participants using the same Skin Manager that you currently use to create Sponsor & Advisor skins. Redesigned pages improve usability and comprehension, reducing help calls. Collapsible Menus Interactive menus let participants collapse or expand individual sub-menus. New design eliminates the need for vertical scrolling to view menu options. Enhanced Charts and Tables Intuitive, visually-appealing graphics, with easy-toread tables that can be sorted and resized to meet the needs of individual users. Provides access to all DailyVest graphics in a single, tabbed view. Quick Link Bar Conveniently located at the top right of each page, provides links for Home page, Contact Information (if enabled), Print Screen, Logout, and Pending Activity, which appears in red followed by the number of pending transactions. Account Summary Banner (optional) Displays account information (participant name, plan name, and balance) in the header of all participant pages. Left Navigation vs. Top Navigation Administrators can choose to position the participant menu vertically along the left side (default position) or horizontally along the top of the page, increasing available work space. When working in top navigation mode, menus remain closed, dropping down when the mouse passes over them. The top navigation style is currently used for Schwab RT Admin. Heightened Security New security enhancements ensure that participants can access Schwab RT Web pages only by using the menu options provided to them through Menu Manager, not through bookmarks or other shortcuts. Tighter security restrictions for Single Sign-On will also be available with the new release. For details, refer to Schwab RT Web Single Sign-On (SSO), available from the Resource Center at schwabrt.com. January 2011 Schwab Retirement Technologies Page 138 of 155

139 Browser Requirements: The My Money participant Web release supports Microsoft Internet Explorer versions 6.0 and 7.0. We are currently testing IE 8.0 and plan to add it to our list of approved browsers in the near future. January 2011 Schwab Retirement Technologies Page 139 of 155

140 Deployment of My Money to ASP Clients We will deploy My Money in September alongside the current site. You will have access to both the current and My Money sites for 30 days. To preview the new site during the transition period, go to: We encourage you to test the My Money site using your data to familiarize yourself with the changes. During this transition phase, your clients will continue to access the current site and will not experience any change. To discuss a specific date for the "go live" date, ASP clients can contact Paul Boroughs at schwabrt.asp@schwab.com. All ASP clients must be live on the My Money site by Oct. 20, Deployment of My Money to In-House Clients When the My Money site is released in September, Schwab RT recommends that in-house clients deploy the My Money site alongside the current site for a period of testing using your data before moving participants to the new site. Retirement of Old Site Please note that the old participant Web site will no longer be supported with the October release. January 2011 Schwab Retirement Technologies Page 140 of 155

141 Migration Checklist On September 20, Schwab RT will copy and migrate all Web site elements to the preview site at Notes on individual Web elements are provided below: Skins Menus Content URLs/Links Custom Resources Admin Options Sponsor/ Advisor Image-Based Authentication Existing participant skins will be copied and converted to the new skins. This conversion process will be identical to the recent upgrade of your Sponsor & Advisor sites. Following conversion, we recommend that you view your skins and make any minor adjustment that may be needed. The old skins will continue to be used by participants on the old site during the transition period. The new skins will have the same names as the old skins. Plan skin assignments will not change. Plans that use the default skin in the old web will use your default new skin for the Sponsor/Advisor. During the preview/transition period, both old and new Skin Managers will be available for use. If you need to create a new skin during the transition period, you must create the skin first in the old Skin Manager and then in the new Skin Manager. The old Skin ID and the new Skin Name must match exactly. After your participants switch over to the new site, all skins maintenance will be preformed with the new Skin Manager. Note: If you need to change the plan assignment for a skin template during the transition, we ve added skin codes to assist you in identifying the source of the skin. Skins are marked B for Both old and new Web or N for New Web only. For more information, see New Participant Skin Manager. Enhanced menu design will be applied but no menu option names will change with the exception of DailyVest Chart and Graphs, which are consolidated into a single chart. For details, see Consolidation of Personal Performance (DailyVest) Charts and Graphs. Web page content, including any custom content you have generated using Content Manager, will not change; however, the position of the content on the page may differ slightly to accommodate the new page design. Some new content elements are added in My Money and will co-exist with current content until they are removed after the transition period. Participants must remove any bookmarks and links to the old Web site. For information on new URL and links, see Linking to Schwab RT Web Sites. Any Custom Resources defined on the participant Home page will be lost during the migration. Participants will need to reestablish these custom links following upgrade to the new site. A number of new Schwab RT Admin options are available for use with the new Web site. For details, see New Web Admin Options later in this document. Sponsor and Advisor site were upgraded to the new look in a previous release; therefore, there are no changes to these sites with the My Money release. After upgrading to My Money, Sponsor and Advisors will see the new participant site when they access a participant account. No preview of the participant site is available from the Sponsor/Advisor sites during the transition period. If you are currently using Image-Based Authentication (Vidoop), that functionality will migrate seamlessly to the new Web in October; however, image-based logon options are not available for testing on the new Web during the transition period. January 2011 Schwab Retirement Technologies Page 141 of 155

142 New Web Admin Options (Schwab RT Admin) The following table summarizes the new options available in Schwab RT Admin. What s New in Schwab RT Admin Account Summary Banner Menu Navigation Options Skin Manager for Participants DailyVest History Setting DailyVest Consolidated Menu Name Balance History Chart Gadget Options Gadget Editor Gadget Container Editor Report Manager (Activity Tracking) How to Access Plan Options>Template Configuration>Header Options>Summary Information Plan Options>Template Configuration>Template Options>Menu Options Web Options>Skin Manager (PS, FA, and New Web) System Options Content Editor>DailyVest Charts Plan Options>Charts and Graphs Plan Options>Template Configuration>Gadget Options Web Options> Gadget Editor Web Options>Gadget Container Editor System Options>Report Manager (New) Pre-release options to be included in a future release. January 2011 Schwab Retirement Technologies Page 142 of 155

143 Consolidation of Personal Performance (DailyVest) Charts and Graphs When you upgrade to the My Money site, the following enhancements are applied to Personal Performance Charts and Graphs: The charts enabled for each plan are automatically consolidated into a single menu option named My Performance, providing a convenient all-in-one view with separate tabs for each chart. New filtering options let users customize the view by source, fund, and period. New Balance History chart (shown below) that tracks your balance history in an individual fund or an account. New DailyVest maximum history setting. January 2011 Schwab Retirement Technologies Page 143 of 155

144 Rate of Return The new format of the Rate of Return chart appears below. January 2011 Schwab Retirement Technologies Page 144 of 155

145 Enabling Charts and Graphs You can add or remove individual charts from the consolidated view by changing the Charts and Graphs options under Plan Options in Schwab RT Admin, shown below. January 2011 Schwab Retirement Technologies Page 145 of 155

146 Customizing the Menu Name When your site is upgraded to the new Web, if at least one DailyVest report option is present on the participant menu, the option(s) will automatically be replaced with a single option named My Performance. To change the name of the menu option from the default My Performance, go to Content Manager, select the DailyVest Charts page, make the change, as shown below. January 2011 Schwab Retirement Technologies Page 146 of 155

147 History Settings A new setting for DailyVest maximum history is available for My Money Web users. The value for this setting is expressed in years rather than days. Enter 1 for the current year, 2 for the current year and previous year, as so on. For purposes of statistical analysis, the minimum recommended history setting for DailyVest chart and graphs is two years (2). Higher settings will reduce response time accordingly. The old setting is retained for clients who have not yet upgraded to the My Money release. January 2011 Schwab Retirement Technologies Page 147 of 155

148 Account Summary Header Options The new Account Summary Header displays the participant name, plan name, and total balance in the header of each page of the site. This information is taken directly from the Account Information section of the participant Home page. A sample account summary header appears below: You can modify the field names that appear at the left of the header by using the Web Home page in Content Manager (Schwab RT Admin). The color of the header can be modified in the new Skin Manager. The header option is turned off by default. If enabled, the header can be positioned at the right, left, or center of the header bar at the top of the Web page. For plans that display both a logo and co-logo, the logo is best positioned in the center on the bar. Enabling the Account Summary Header To enable the header option, go to Schwab RT Admin Plan Options>Template Configuration>Header Options and select the desired option in the Summary Information field. Available options are Off (Default), Left, Right, or Center. January 2011 Schwab Retirement Technologies Page 148 of 155

149 Menu Navigation Options The new Web site provides new plan-level menu navigation options. The participant menu can be positioned vertically along the left side (default position) or horizontally along the top of the page, increasing available work space. In top navigation mode, menus remain closed, dropping down when the mouse passes over them. Both configurations are illustrated below: Left Navigation Top Navigation January 2011 Schwab Retirement Technologies Page 149 of 155

150 Enabling the Menu Navigation Options To modify the menu position, go to Schwab RT Admin Plan Options>Template Configuration and select the desired Menu Option. Available options are Left (Default) or Top. January 2011 Schwab Retirement Technologies Page 150 of 155

151 New Participant Skin Manager Schwab RT Admin includes a new Skin Manager that you can use to create distinctive, theme-based skins for your participants. This is the same Skin Manager that you currently use to create skins for Plan Sponsors and Financial Advisors, and SchARP users. To access the new Skin Manager, select Skin Manager (PS, FA and New Web) from the Web Options menu in Schwab RT Admin. January 2011 Schwab Retirement Technologies Page 151 of 155

152 Creating/Modifying Skins during Transition During the preview/transition period, both old and new Skin Managers will be available for use. If you need to create or modify a skin during the transition period, you must perform the maintenance in both Skin Managers, first in the old Skin Manager, then in the new Skin Manager, as demonstrated below. The Skin ID in the old Skin Manager and the Skin Name in the new Skin Manager must match exactly. After your participants switch over to the new site, all skins maintenance will be performed with the new Skin Manager. Note: The Skin Name in the new Skin Manager can contain an unlimited number of characters; however, if you are creating/changing a skin during the transition period, you must restrict the name to the 3-character Skin ID used in the old Skin Manager. January 2011 Schwab Retirement Technologies Page 152 of 155

153 Skin Codes When working with plan-level skin assignments, you can quickly identify skins that are available in both the old and new Skin Managers by the skin code that precedes the skin name. Skins that are supported by both old and new Skin Managers are marked B for Both old and new Web. Skins that are available only in the new Web Skin Manager are marked N. To access the plan-level Skin Template option in Schwab RT Admin, go to Plan Options> Template Configuration, as shown below. Notes: If a skin with an (N) is selected for a plan, the old Web with use the default skin and the new Web will use the selected skin. The new Web Skin Manager uses your current Plan Sponsor default as the default skin for both participants and Plan Sponsors. January 2011 Schwab Retirement Technologies Page 153 of 155