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F. Loans <br />Plan Sponsor instructs and authorizes Great - <br />West to allow online loan processing. Plan Sponsor <br />agrees that all loans shall be account reduction loans <br />repaid by payroll deduction and shall be consistent <br />with the loan policy and the procedures established <br />by the parties from time to time. Plan Sponsor <br />instructs and authorizes Great -West to process, <br />without further Plan Sponsor approval, Participant <br />loan requests submitted through a form acceptable to <br />Great -West or through the website. Principal <br />residence loan requests must be submitted on a <br />paper form with supporting documentation. <br />Participants will be subject to the fees described <br />online and in the loan documents. <br />G. Required Minimum Distributions at Age 70 %2 <br />Great -West will send via the U.S. Postal Service <br />a notice and distribution form to each Participant <br />attaining age 70 Y. or older in the current calendar <br />year. The notice informs the Participant that required <br />minimum distributions must begin no later than April <br />1 of the calendar year following the later of age 70'/2 <br />or retirement. Great -West will not initiate such <br />distributions, but will only process such distributions <br />upon receipt of a Participant or Plan Sponsor request <br />in good order. Each year, Great -West will provide a <br />report including but not limited to, name and mailing <br />address, to Plan Sponsor listing Participants who are <br />age 70 Y. or older and whether each has taken or <br />received this type of distribution for the calendar <br />year. <br />IV. COMMUNICATION SERVICES <br />All communications must be in the authorized <br />customized branding and format pre- approved by the <br />Plan Sponsor. Great -West agrees to comply with all <br />communications requirements of the Dodd -Frank Act, <br />or other federal or state law. <br />A. Special Representations <br />1. Great -West representatives assigned to <br />perform services under this Agreement will be <br />properly licensed, trained and supervised with <br />respect to the conduct of their business <br />activities. <br />2. Subject to applicable law, Plan Sponsor has <br />the right to interview, approve or reject Great - <br />West representatives. Great -West shall assign <br />to the Plan Javier Obando as the Client <br />Relationship Director, and as the sole <br />relationship manager, and Tisha Neal as the <br />full -time on -site Account Representative, <br />unless an alternate request is made by Plan <br />Sponsor. <br />3. Great -West representatives will provide <br />information in a manner consistent with <br />applicable insurance and securities laws and <br />retirement industry service standards including <br />for Plans of similar size. However, information <br />supplied to Participants shall not constitute <br />investment and/or tax advice upon which <br />Participants or Plan Sponsor may rely. <br />4. No Great -West representative may <br />discriminate with respect to investment options <br />provided under the Plan. Representatives will <br />give equal and fair representations when <br />describing the various Authorized Investment <br />Options. <br />5. Compensation to representatives will not be <br />based upon investment options selected by the <br />Participants. <br />B. Communication Materials <br />Great -West will provide Participant educational <br />and communication materials regarding financial <br />investing and retirement options. These materials <br />include, but are not limited to, newsletters, brochures <br />and other materials as mutually agreed upon. The <br />materials will be customized with a specific brand <br />designed for the Plan, including, but not limited to, <br />Plan enrollment kit, presentations, educational flyers <br />or postcards, Account Representative Participant <br />meeting materials and monthly "Lunch- and - Learn" <br />Participant presentations. <br />C. Group Presentations <br />Great -West representatives will conduct 52 days <br />of on -site meetings, and any mutually agreed up on <br />days in addition, at which some or all of the following <br />will be communicated: <br />City of San to Ana Services Agreement 4 -16 -14 (one -year term) Page 11 <br />