Matrix Trust Company

You have an IRA at Matrix Trust Company because your account is a Safe Harbor IRA, with Matrix Trust Company serving as the custodian. A Safe Harbor IRA is established when an employer‑sponsored retirement plan administrator transfers balances under $7,000 in accordance with the plan’s provisions.

This typically occurs when:

• The plan administrator is unable or unwilling to maintain a small balance for a former employee
• The plan administrator is unable to contact a participant
• The participant is non‑responsive

A Safe Harbor IRA may also be established for all participants if a retirement plan terminates. Funds in your Matrix Trust Company Safe Harbor IRA are held in an FDIC‑insured, interest‑bearing deposit account at J.P. Morgan Chase or a similar financial institution.

You may have more than one IRA at Matrix Trust Company if your former employer’s retirement plan included a Roth component, such as a Roth 401(k) or Roth 403(b). Roth contributions are made after taxes and must be kept separate from traditional pre‑tax retirement funds, which is why they are rolled over into separate Traditional and Roth IRAs.

Your IRA was originally established on your behalf by a third party, so Matrix Trust Company must complete the legal account‑opening process before accepting instructions from you. To access or close your account, you must complete an application, a customer identification form, and provide documentation to verify your identity.

You can complete this process online or by contacting the IRA Customer Care Team:

• IRA Log-In
• Phone: 855‑445‑3608
• Email: support@iracustomercare.com
• Fax: 412‑532‑3723
• Mail: P.O. Box 6220, Pittsburgh, PA 15212‑9998
• Chat: Available after log‑in

You may take a distribution from your Safe Harbor IRA at any time. Funds in a Traditional IRA may be transferred tax‑free to another Traditional IRA or rolled into a current employer’s retirement plan, if permitted by that plan.

Roth IRA funds cannot be rolled into a Roth 401(k) or Roth 403(b) and may only be distributed or transferred to another Roth IRA. You may also take a taxable distribution, though taxes and penalties may apply.

To request a distribution, contact IRA Customer Care using the information in the section above.

If funds are distributed directly to you or deposited into a bank account in your name, the distribution will be reported as taxable income on IRS Form 1099‑R. This form will be mailed to you at the time of distribution and should be included with your tax filing for that year.

Any state or federal income tax withholding you elect will also be reflected on Form 1099‑R.

Matrix Trust IRA accounts carry a $35 annual administration fee, collected at account setup and annually on the anniversary date. Accounts with balances over $10,000 are not charged an annual fee.

In addition to the annual fee, basis‑point fees and distribution fees may apply. A complete list of fees is available in the Fee Disclosure.

Yes. You can contact the Matrix Trust IRA Support Team by phone at 855‑445‑3608 or by email at support@iracustomercare.com for assistance with your account.

If you have an IRA with Matrix Trust Company, contact the IRA Support Team for help submitting a distribution request.

If your funds are in an employer‑sponsored retirement plan, you must contact your employer or plan administrator to initiate a distribution or rollover. For security reasons, Matrix Trust cannot accept rollover requests directly from individual participants.

If you have an IRA with Matrix Trust Company, contact the IRA Support Team for balance information.

If your funds remain in an employer‑sponsored plan, contact your HR department or plan administrator to access your plan’s website and account details.

For IRA accounts held at Matrix Trust Company, contact the IRA Support Team for investment information.

For employer‑sponsored plans, investment details are available through your employer or plan administrator.

• IRA Log-In
• Phone: 855-445-3608
• Email: support@iracustomercare.com
• Fax: 412-532-3723

• Privacy Notice
• IRA FAQs (IRS.gov)

To access statements or account activity through the ClientConnect360 portal, contact your recordkeeper or plan administrator. They will coordinate with Matrix Trust Company to establish or update your access. A login link is available for current users.

Your plan’s recordkeeper or administrator manages day‑to‑day plan activity and is best positioned to assist with account‑specific questions.

To access plan statements through ClientConnect360:

• Log in using your email address as your User ID
• Use the “Forgot Password” link if you need to reset your password
• Contact your plan administrator or recordkeeper for new user setup or access changes

For plan details or support, contact your plan’s recordkeeper or administrator. If you do not have a contact, you may send Matrix Trust a message for assistance.

If you are currently employed, contact your HR department or plan administrator for access to your retirement plan and account information.

For employer‑sponsored retirement plans, your HR department or plan administrator can best assist with account questions and activity.

You must contact your employer or plan administrator to initiate a distribution or rollover from an employer‑sponsored plan. For security reasons, Matrix Trust cannot accept direct rollover requests from individual participants.

Matrix Trust Company does not maintain participant‑level balance information for employer‑sponsored plans. If your balance remains in your employer’s plan, contact your HR department or plan administrator to access your account online.

Matrix Trust does not maintain participant‑level investment records for employer‑sponsored plans. Investment details are available through your employer or plan administrator.

Yes. To request a replacement check, please send the following information:

• Full name of the distribution recipient
• Email address
• Phone number
• Mailing address
• Company name associated with the retirement or pension plan

If Matrix Trust issued a taxable distribution on your behalf, it also issues and files the required IRS Form 1099‑R. Forms are mailed to the address of record and are not available before the end of January each year.

To request a copy, please send:

• Full name of the distribution recipient
• Email address
• Phone number
• Mailing address
• Tax year you received the distribution
• Company name that held your retirement or pension plan

Matrix Trust Company does not generate participant‑level statements for employer‑sponsored retirement plans.

If you are currently employed, contact your HR department for plan‑related assistance. If you are no longer employed and do not have a contact, you may send Matrix Trust a message for support.

Matrix Trust Company (Matrix Trust) is a Colorado state-chartered trust company that provides trust, custody, and institutional back‑office services to retirement plan providers, including third‑party administrators, recordkeepers, plan sponsors, investment advisors, financial intermediaries, and broker‑dealers.

Matrix Trust does not maintain participant‑level records for employer‑sponsored retirement plans, except for IRA accounts. In most cases, participants should contact their employer or plan administrator for account access and support.

• IRA Account Holders: Contact the Matrix Trust IRA Support Team at 855‑445‑3608 or support@iracustomercare.com
• Plan Sponsors: Contact your plan’s recordkeeper or administrator
• Plan Participants: If currently employed, contact your employer or HR department

If none of the above contacts are available, you may send an email to Matrix Trust for assistance.