IBR / Pay As You Earn / ICR Request

8/11/2019 IBR / Pay As You Earn / ICR Request

http://slidepdf.com/reader/full/ibr-pay-as-you-earn-icr-request 1/5^hde 8 aj 5

L@P/^H\E/LCP

SEC]LAO 8; @APPATEP LMEO]LJLCH]LAO

^fehse eoter ar carrect tbe jaffawlod lojarihtlao.

Cbecg tbls àx lj hoy aj yaur lojarihtlao bhs cbhodem.

SSO - -

Ohie

Hmmress

Clty, Sthte, [lp Came

]efepbaoe – ^rlihry ( )

]efepbaoe – Hfterohte ( )

E-ihlf Hmmress (Aptlaohf)

SEC]LAO 0; PE^H\IEO] ^FHO PEXUES]

@ejare caipfetlod tbls jari, chrejuffy rehm tbe eotlre jari, phrtlcufhrfy Sectlaos 4, 2, hom <. ]ype ar prlot uslod mhrg log. Lj yau oeem befp caipfetlodtbls jari, caothct yaur faho bafmer(s). Peturo tbe caipfetem jari hom hoy requlrem macuieothtlao ta tbe hmmress sbawo lo Sectlao 8>. \au ihy ̀ eh`fe ta caipfete yaur request aofloe ̀ y vlsltlod stumeotfahos.dav. Lojarihtlao hàut rephyieot pfhos hom chfcufhtars hre hvhlfh`fe ht stumeothlm.dav.

Atber rephyieot pfhos, sucb hs exteomem ar drhmuhtem, ihy è hvhlfh`fe hom ihy ajjer h fawer iaotbfy phyieot hiauot. Lo hmmltlao, phyieot uomer tbe L@P,^hy Hs \au Ehro, ar LCP pfhos ihy resuft lo yaur phylod iare loterest aver tlie hom ihy resuft lo jemerhf locaie thx flh`lflty ao hoy faho hiauot tbht ls jardlveo

uomer tbese pfhos.

8. ^fehse sefect tbe rehsao tbht yau hre caipfetlod tbls request `y cbecglod àx h, `, ar c, èfaw.h. L hi requestlod h rephyieot pfho `hsem ao iy locaie – Cbecg tbe pfho(s) yau hre requestlod èfaw hom tbeo caotloue ta ltei 0.

Mlrect Faho ^radrhi Fahos* JJEF ^radrhi Fahos*

L@P

^hy Hs \au Ehro Oat Hvhlfh`fe

LCP Oat Hvhlfh`fe

L request tbht iy faho bafmer meteriloe wblcb aj tbehàve pfhos L hi efldl`fe jar, hom pfhce ie ao tbe

pfho wltb tbe fawest iaotbfy phyieot hiauot.Aofy L@P wlff ̀ e caoslmerem jar JJEF ̂ radrhi fahos

* Oat hff faho types uomer tbe JJEF hom Mlrect Faho ^radrhis hre efldl`fe jar tbese pfhos (see Sectlao 2).

Jar Mlrect Faho ̀ arrawers, yaur request wlff hppfy ta hff aj yaur fahos tbht hre efldl`fe jar tbe pfho yau cbaase. Jar JJEF ̀ arrawers,

yau cho excfume efldl`fe fahos lj yau request L@P prlar ta Kufy 8, 0>83. Lj yau hre h JJEF àrrawer hom request L@P ao ar hjter Kufy8, 0>83, yau iust rephy hff fahos efldl`fe jar L@P uomer tbht pfho. Jar hff àrrawers, yau wlff oeem ta cbaase h mljjereot rephyieotpfho jar fahos tbht hre oat efldl`fe jar h rephyieot pfho ̀ hsem ao locaie ar tbey wlff è pfhcem ao tbe sthomhrm rephyieot pfho.

`. L hi suìlttlod hoouhf macuieothtlao jar tbe rechfcufhtlao aj iy iaotbfy phyieot hiauot uomer iy curreot rephyieot pfho – Caotloue ta ltei 0.c. L hi requestlod tbht iy faho bafmer rechfcufhte iy curreot iaotbfy phyieot hiauot èchuse iy clrcuisthoces bhve cbhodem – Caotloue ta ltei 0.

0. Cbecg tbls àx lj yau awe efldl`fe fahos ta iare tbho aoe faho bafmer. \au iust suìlt h sephrhte request ta ehcb bafmer aj tbe fahos yau whotta rephy uomer tbe L@P, ^hy Hs \au Ehro, ar LCP pfho.

\au iust praiptfy suìlt ta yaur faho bafmer(s) tbls caipfetem jari hom hccepth`fe macuieothtlao aj yaur Hmkustem Drass Locaie (see Sectlao =),ar, lj hppflch`fe, hfterohtlve macuieothtlao aj yaur curreot locaie (see Sectlao 5).

SEC]LAO 3; SÂUSHF LOJAPIH]LAO

Caipfete tbls sectlao lj hoy aj tbe jaffawlod hppfy ta yau;

\au jlfe h kalot jemerhf locaie thx returo wltb yaur spause hom yaur spause bhs efldl`fe fahos. Eoter lojarihtlao hàut yaur spause, èfaw. \au bhve h kalot Mlrect ar JJEF Caosaflmhtlao Faho tbht yau a`thloem wltb yaur spause. Eoter lojarihtlao hàut tbe ca-àrrawer aj tbe faho. \au hom yaur spause bhve Mlrect Fahos hom àtb aj yau whot ta rephy tbase fahos uomer tbe LCP ^fho. Eoter lojarihtlao hàut yaur spause, èfaw.

3. Spause“s SSO - -

=. Spause“s Ohie

5. Spause“s Mhte aj @lrtb - -

:. Iy spause hom L wlsb ta rephy aur Mlrect Fahos kalotfy uomer tbe LCP ̂ fho.

Lj yau caipfete tbls sectlao, yaur spause ls hfsa requlrem ta sldo tbls jari. @y sldolod, yaur spause ls hutbarlzlod tbe faho bafmer(s) ta hccess lojarihtlaohàut bls ar ber jemerhf stumeot fahos lo tbe Ohtlaohf Stumeot Faho Mhth Systei (OSFMS). Lo hmmltlao, lj tbe Mephrtieot ls oat yaur faho bafmer hom yaur JJEFfaho bafmer(s) maes oat servlce ht fehst aoe aj yaur spause“s fahos, yaur faho bafmer(s) wlff oeem methlfem lojarihtlao hàut hff aj yaur spause“s fahos ta hccurhtefyevhfuhte yaur efldl`lflty hom phyieot hiauot. \aur spause sbaufm fad lota OSFMS ht osfms.em.dav ta dlve yaur faho bafmer(s) hccess ta bls ar ber faho lojarihtlao.]a a`thlo tbe ardholzhtlao came oeemem jar hutbarlzhtlao ao OSFMS ar jar atber aptlaos ta pravlme tbe faho methlfs oeemem ao yaur spause“s fahos, caothct yaur

faho bafmer(s).

Locaie-@hsem (L@P) / ^hy Hs \au Ehro / Locaie-Caotlodeot (LCP) Pephyieot ^fho Pequest

Tlfflhi M. Jarm Jemerhf Mlrect Faho (Mlrect Faho) ̂ radrhi / Jemerhf Jhilfy Emuchtlao Faho (JJEF) ̂ radrhi

Use tbls jari ta (8) request ho hvhlfh`fe rephyieot pfho `hsem ao yaur locaie, (0) pravlme tbe requlrem lojarihtlao jar tbe hoouhf reevhfuhtlaoaj yaur phyieot hiauot uomer aoe aj tbese pfhos, ar (3) request tbht yaur faho bafmer rechfcufhte yaur iaotbfy phyieot hiauot.

THPOLOD; Hoy persao wba goawlodfy ihges h jhfse sthteieot ar ilsrepreseothtlao ao tbls jari a r ao hoy hccaiphoylod macuieot ls su`kect ta peohftles tbht ihy locfume jloes,liprlsaoieot, ar ̀ atb, uomer tbe U.S. Crlilohf Came hom 0> U.S.C. 8><4.

AI@ Oa. 82=5->8>0Jari HppravemExp. Mhte 88-3>-0>85

Lj yau jlfe h k alot jemerhf locaie thx returo wltb yaur spause, yaur fahobafmer(s) wlff ̀ hse yaur efldl`lflty meterilohtlao hom iaotbfy phyieothiauot ao yaur hom yaur spause“s cai`loem locaie redhrmfess ajwbetber yaur spause bhs efldl`fe jemerhf stumeot fahos. Bawever, lj yaurspause maes oat bhve efldl`fe stumeot fahos, yau ma oat oeem tacaipfete tbls sectlao.

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SEC]LAO =; JHILF\ SL[E HOM JEMEPHF ]HR LOJAPIH]LAO

4. Eoter yaur jhilfy slze (hs mejloem lo Sectlao 2).

Oate; Lj yau ma oat eoter yaur jhilfy slze, yaur faho bafmer(s) wlff hssuie h jhilfy slze aj aoe. Jar purpases aj tbese rephyieot pfhos, yaur jhilfy slze ihy èmljjereot jrai tbe ouièr aj exeiptlaos yau cfhli ao yaur jemerhf thx returo. @y sldolod tbls jari, yau hre certljylod tbht tbe jhilfy slze yau eoter hàve ls carrect.

2. Mlm yau jlfe h jemerhf locaie thx returo jar eltber aj tbe twa iast receotfy caipfetem thx yehrs1

\es – Caotloue ta Ltei <.

Oa – Sglp ta Sectlao 5.

<. Ls yaur curreot locaie ar yaur spause“s curreot locaie (lj yau caipfetem Sectlao 3 ar jlfe h kalot jemerhf locaie thx returo) sldoljlchotfy mljjereot tbho tbelocaie usem ta meteriloe tbe Hmkustem Drass Locaie* (HDL) repartem ta tbe LPS ao yaur iast receotfy jlfem jemerhf locaie thx returo1

\es – Caotloue ta Sectlao 5.

Oa – ^ravlme yaur iast receotfy jlfem jemerhf locaie thx returo ar LPS thx returo trhoscrlpt. Sglp ta Sectlao :.

*\au cho jlom yaur Hmkustem Drass Locaie ao yaur iast receotfy jlfem LPS Jari 8>=>, 8>=>H, ar 8>=>E[.

SEC]LAO 5; HF]EPOH]LZE MACUIEO]H]LAO AJ LOCAIE

]a è caipfetem lj (8) yau mlm oat jlfe h jemerhf locaie thx returo jar tbe twa iast receotfy caipfetem thx yehrs, (0) yaur HDL jrai yaur iast receotfyjlfem jemerhf locaie thx returo maes oat rehsaoh`fy rejfect yaur curreot locaie (mue ta clrcuisthoces sucb hs tbe fass aj ar cbhode lo eipfayieot),ar (3) yaur faho bafmer(s) lojariem yau tbht hfterohtlve macuieothtlao aj locaie ls requlrem.

8>. Ma yau bhve thxh`fe locaie1 Cbecg ‖Oa’ lj (8) yau ma oat bhve hoy locaie, (0) recelve aofy uothxem locaie (sucb hs Suppfeieothf Securlty Locaie, cblfmsuppart, ar jemerhf ar sthte pu`flc hsslsthoce), ar (3) hre oat requlrem ta jlfe h jemerhf locaie thx returo ̀ hsem ao tbe hiauot aj yaur thxh`fe locaie.

\es – ^ravlme macuieothtlao aj tbls locaie, hs mescrlèm èfaw.

Oa – @y sldolod tbls jari, yau hre certljylod tbht yau bhve oa thxh`fe locaie ar hre oat requlrem ta jlfe h jemerhf locaie thx returo `hsem ao tbe hiauot ajyaur thxh`fe locaie.

88. Lj yau hre ihrrlem hom caipfetem Sectlao 3 ar jlfe h kalot jemerhf locaie thx returo wltb yaur spause, maes yaur spause bhve thxh`fe locaie1 Cbecg ‖Oa’ lj (8)yaur spause maes oat bhve hoy locaie, (0) recelves aofy uothxem locaie (sucb hs Suppfeieothf Securlty Locaie, cblfm suppart, ar jemerhf ar sthte pu`flchsslsthoce), ar (3) ls oat requlrem ta jlfe h jemerhf locaie thx returo ̀ hsem ao tbe hiauot aj bls/ber thxh`fe locaie.

\es – ^ravlme macuieothtlao aj yaur spause“s locaie, hs mescrlèm èfaw.

Oa – @y sldolod tbls jari, yaur spause ls certljylod tbht be/sbe bhs oa thxh`fe locaie ar ls oat requlrem ta jlfe h jemerhf thx returo `hsem ao tbe hiauot ajbls/ber thxh`fe locaie.

\au iust pravlme macuieothtlao aj hff thxh`fe locaie tbht yau curreotfy recelve jrai hff saurces (jar exhipfe, locaie jrai eipfayieot, uoeipfayieotlocaie, mlvlmeom locaie, loterest locaie, tlps, hfliaoy). Lj yau hre ihrrlem hom caipfetem Sectlao 3 ar jlfe h kalot jemerhf locaie thx returo, yau iust hfsapravlme macuieothtlao aj yaur spause“s thxh`fe locaie. Ma oat repart uothxem locaie sucb hs Suppfeieothf Securlty Locaie, cblfm suppart, arjemerhf ar sthte pu`flc hsslsthoce.

\au iust pravlme aoe plece aj suppartlod macuieothtlao jar ehcb saurce aj locaie (yaur hom yaur spause“s). Jar exhipfe, macuieothtlao locfumes phystu`s, h fetter(s) jrai yaur eipfayer(s) flstlod locaie, loterest ar `hog sthteieots, ar mlvlmeom sthteieots. Lj tbese jaris aj macuieothtlao hreuohvhlfh`fe, htthcb h sldoem sthteieot jrai yau ar yaur spause expfhlolod tbe locaie saurce(s) hom dlvlod tbe ohie hom tbe hmmress aj tbe saurce(s).

Uofess tbe jrequeocy ls cfehrfy lomlchtem ao tbe macuieothtlao tbht yau pravlme, wrlte ao yaur macuieothtlao baw ajteo yau recelve tbe locaie, jar

exhipfe, ‖twlce per iaotb’ ar ‖every atber weeg’. ]be mhte ao hoy suppartlod macuieothtlao yau pravlme iust è oa afmer tbho <> mhys jrai tbe mhte yausldo tbls jari. Caples aj arldlohf macuieothtlao hre hccepth`fe.

SEC]LAO :; @APPATEP PEXUES], UOMEPS]HOMLODS, HDPEEIEO], HU]BAPL[H]LAO, HOM CEP]LJLCH]LAO

L request ta use tbe pfho L sefectem lo Sectlao 0 ta rephy iy efldl`fe Mlrect Faho ar JJEF ^radrhi fahos befm `y tbe bafmer(s) ta wblcb L suìlt tbls jari. Lj Lsefectem tbe aptlao ta hffaw iy faho bafmer(s) ta cbaase iy pfho, L request iy faho bafmer(s) ta pfhce ie lo tbe pfho wltb tbe fawest iaotbfy phyieot hiauot.Lj iare tbho aoe pfho pravlmes tbe shie loltlhf phyieot hiauot, L uomersthom tbht iy faho bafmer wlff cbaase tbe pfho tbht ls flgefy ta geep iy iaotbfyphyieot hiauot fawer lo su`sequeot yehrs.

L uomersthom tbht; (8) Lj L hi eoterlod rephyieot ao iy faho(s) jar tbe jlrst tlie hom ma oat pravlme iy faho bafmer(s) wltb tbls caipfetem jari hom hoy atbermacuieothtlao requlrem ̀ y iy faho bafmer(s), ar lj L ma oat quhfljy jar tbe rephyieot pfho tbht L requestem, L wlff ̀ e pfhcem ao tbe sthomhrm rephyieot pfho (seeSectlao 2). (0) Lj L hi curreotfy rephylod iy faho(s) uomer h mljjereot rephyieot pfho hom whot ta cbhode ta tbe rephyieot pfho L sefectem lo Sectlao 0, iyfaho bafmer(s) ihy drhot ie h jarèhrhoce jar up ta :> mhys ta caffect hom pracess macuieothtlao suppartlod iy request jar tbe sefectem pfho. L hi oatrequlrem ta ihge faho phyieots murlod tbls perlam aj jarèhrhoce, ̀ ut loterest wlff caotloue ta hccrue. Uophlm loterest tbht hccrues murlod tbls ihxliui :>-mhyjarèhrhoce perlam wlff oat è chplthflzem (see Sectlao 2). (3) Lj L hi mefloqueot lo ihglod phyieots uomer iy curreot rephyieot pfho ht tbe tlie L request aoeaj tbe rephyieot pfhos flstem lo Sectlao 0, iy faho bafmer(s) ihy drhot ie h jarèhrhoce ta caver hoy phyieots tbht hre avermue, ar tbht waufm è mue, ht tbe

tlie L eoter tbe rephyieot pfho L requestem. Uophlm loterest tbht hccrues murlod tbls jarèhrhoce perlam ihy è chplthflzem. (=) Lj L hi requestlod tbe LCP pfho,iy loltlhf phyieot hiauot wlff è tbe hiauot aj loterest tbht hccrues ehcb iaotb ao iy faho(s) uotlf iy faho bafmer recelves tbe locaie macuieothtlaooeemem ta chfcufhte iy LCP phyieot hiauot. Lj L chooat hjjarm tbe loltlhf loterest phyieots, L ihy request jarèhrhoce ̀ y caothctlod iy faho bafmer.

L hutbarlze tbe eotlty ta wblcb L suìlt tbls request (l.e., tbe scbaaf, tbe feomer, tbe duhrhoty hdeocy, tbe U.S. Mephrtieot aj Emuchtlao, hom tbelr respectlvehdeots hom caotrhctars) ta caothct ie redhrmlod iy request ar iy faho(s), locfumlod rephyieot aj iy faho(s), ht tbe ouièr tbht L pravlme ao tbls jari ar hoyjuture ouièr tbht L pravlme jar iy ceffufhr tefepbaoe ar atber wlrefess mevlce uslod hutaihtem tefepbaoe mlhflod equlpieot ar hrtljlclhf ar prerecarmem valce artext iesshdes.

L certljy tbht hff aj tbe lojarihtlao L bhve pravlmem ao tbls jari hom lo hoy hccaiphoylod macuieothtlao ls true, caipfete, hom carrect ta tbe ̀ est aj iygoawfemde hom èflej.

@arrawer“s Sldohture Mhte

Spause“s Sldohture (lj requlrem) Mhte

Oate; \aur spause“s sldohture ls requlrem lj yau caipfetem Sectlao 3 hom/ar caipfetem Ltei 88.



SEC]LAO 2; MEJLOL]LAOS

Chplthflzhtlao ls tbe hmmltlao aj uophlm loterest ta tbe prloclphf `hfhoce aj yaur faho. ]bls wlff locrehse tbe prloclphf `hfhoce hom tbe tathf cast aj yaur faho.

]be Tlfflhi M. Jarm Jemerhf Mlrect Faho (Mlrect Faho) ̂ radrhi locfumes Mlrect Su`slmlzem Fahos, Mlrect Uosu`slmlzem Fahos, Mlrect ^FUS Fahos, homMlrect Caosaflmhtlao Fahos.

Efldl`fe fahos jar tbe L@P pfho hre Mlrect Faho hom JJEF ^radrhi fahos atber tbho; (8) h faho tbht ls lo mejhuft, (0) h Mlrect ar Jemerhf ^FUS Faho ihmeta h phreot àrrawer, ar (3) h Mlrect ar Jemerhf Caosaflmhtlao Faho tbht rephlm h Mlrect ar Jemerhf ^FUS Faho ihme ta h phreot àrrawer. Jemerhf êrglosFahos, BEHF fahos ar atber behftb emuchtlao fahos, hom prlvhte emuchtlao fahos hre oat efldl`fe ta è rephlm uomer tbe L@P pfho. ]a hccess lojarihtlao aohff aj yaur jemerhf stumeot fahos, cbecg tbe Ohtlaohf Stumeot Faho Mhth Systei ht osfms.em.dav.

Efldl`fe fahos jar tbe LCP pfho hre Mlrect Faho ̂ radrhi fahos atber tbho; (8) h faho tbht ls lo mejhuft, (0) h Mlrect ^FUS Faho ihme ta h phreot àrrawer,ar (3) h Mlrect ^FUS Caosaflmhtlao Faho (tbese hre Mlrect Caosaflmhtlao Fahos ihme `hsem ao ho hppflchtlao recelvem prlar ta Kufy 8, 0>>: tbht rephlmMlrect ar Jemerhf ^FUS Fahos ihme ta h phreot àrrawer). JJEF ^radrhi Fahos, Jemerhf êrglos Fahos, BEHF fahos ar atber behftb emuchtlao fahos, homprlvhte emuchtlao fahos hre oat efldl`fe ta è rephlm uomer tbe LCP pfho. H Mlrect Caosaflmhtlao Faho ihme `hsem ao ho hppflchtlao recelvem ao ar hjter Kufy8, 0>>:, locfumlod fahos tbht rephlm h Mlrect ar Jemerhf ^FUS Faho ihme ta h phreot àrrawer, ls efldl`fe jar tbe LCP pfho. ]a hccess lojarihtlao ao hff ajyaur jemerhf stumeot fahos, cbecg tbe Ohtlaohf Stumeot Faho Mhth Systei ht osfms.em.dav.

Efldl`fe fahos jar tbe ^hy Hs \au Ehro pfho hre Mlrect Faho ^radrhi fahos recelvem `y h oew àrrawer atber tbho; (8) h faho tbht ls lo mejhuft, (0) hMlrect ^FUS Faho ihme ta h phreot àrrawer, ar (3) h Mlrect Caosaflmhtlao Faho tbht rephlm h Mlrect ar Jemerhf ^FUS Faho ihme ta h phreot àrrawer.JJEF ^radrhi Fahos, Jemerhf êrglos Fahos, BEHF fahos ar atber behftb emuchtlao fahos, hom prlvhte emuchtlao fahos hre oat efldl`fe ta è rephlm uomertbe ^hy Hs \au Ehro pfho. ]a hccess lojarihtlao ao hff aj yaur jemerhf stumeot fahos, cbecg tbe Ohtlaohf Stumeot Faho Mhth Systei ht osfms.em.dav.

Jhilfy slze locfumes yau, yaur spause, hom yaur cblfmreo (locfumlod uoàro cblfmreo wba wlff è àro murlod tbe yehr jar wblcb yau certljy yaur jhilfy slze),lj tbe cblfmreo wlff recelve iare tbho bhfj tbelr suppart jrai yau. Lt locfumes atber peapfe aofy lj tbey flve wltb yau oaw, tbey recelve iare tbho bhfj tbelrsuppart jrai yau oaw, hom tbey wlff caotloue ta recelve tbls suppart jrai yau jar tbe yehr tbht yau certljy yaur jhilfy slze. Suppart locfumes iaoey, dljts,fahos, bauslod, jaam, cfatbes, chr, iemlchf hom meothf chre, hom phyieot aj caffede casts.

]be Jemerhf Jhilfy Emuchtlao Faho (JJEF) ̂ radrhi locfumes Jemerhf Sthjjarm Fahos (àtb su`slmlzem hom uosu`slmlzem), Jemerhf ^FUS Fahos, JemerhfCaosaflmhtlao Fahos, hom Jemerhf Suppfeieothf Fahos jar Stumeots (SFS).

]be bafmer aj yaur Mlrect Fahos ls tbe U.S. Mephrtieot aj Emuchtlao (tbe Mephrtieot). ]be bafmer(s) aj yaur JJEF ̂ radrhi faho(s) ihy ̀ e h feomer,secaomhry ihrget, duhrhoty hdeocy, ar tbe Mephrtieot. \aur faho bafmer(s) ihy use h servlcer ta bhomfe `lfflod, phyieot, rephyieot aptlaos, hom atbercaiiuolchtlaos ao yaur fahos. Pejereoces ta ‖yaur faho bafmer’ ao tbls jari ieho eltber yaur faho bafmer(s) ar, lj yaur faho bafmer(s) hom servlcer hremljjereot eotltles, yaur servlcer.

]be Locaie-@hsem Pephyieot (L@P) pfho ls h rephyieot pfho wltb iaotbfy phyieots tbht hre fliltem ta 85 perceot aj yaur mlscretlaohry locaie mlvlmem`y 80. Mlscretlaohry locaie jar tbls pfho ls tbe mljjereoce ètweeo yaur hmkustem drass locaie hom 85> perceot aj tbe paverty dulmefloe hiauot jar yaursthte aj reslmeoce hom jhilfy slze. ]a loltlhffy quhfljy jar L@P hom ta caotloue ihglod locaie-`hsem phyieots uomer tbls pfho, yau iust bhve h phrtlhfjlohoclhf bhrmsblp (see mejloltlao).

]be Locaie-Caotlodeot Pephyieot (LCP) pfho ls h rephyieot pfho wltb iaotbfy phyieots tbht hre tbe fesser aj (8) wbht yau waufm phy ao h 80-yehrsthomhrm rephyieot pfho iuftlpflem `y ho locaie perceothde jhctar ar (0) 0> perceot aj yaur mlscretlaohry locaie mlvlmem `y 80. Mlscretlaohry locaie jartbls pfho ls tbe mljjereoce ètweeo yaur hmkustem drass locaie hom tbe paverty dulmefloe hiauot jar yaur sthte aj reslmeoce hom jhilfy slze.

\au hre h oew àrrawer jar tbe ^hy Hs \au Ehro pfho lj (8) yau bhve oa autsthomlod `hfhoce ao h Mlrect Faho ar JJEF ^radrhi faho hs aj Actaèr 8,0>>4 ar bhve oa autsthomlod `hfhoce ao h Mlrect Faho ar JJEF ^radrhi faho wbeo yau a`thlo h oew faho ao ar hjter Actaèr 8, 0>>4, hom (0) yau recelveh mlsùrseieot aj h Mlrect Su`slmlzem Faho, Mlrect Uosu`slmlzem Faho, ar stumeot Mlrect ^FUS Faho ao ar hjter Actaèr 8, 0>88, ar yau recelve h MlrectCaosaflmhtlao Faho `hsem ao ho hppflchtlao recelvem ao ar hjter Actaèr 8, 0>88. Bawever, yau hre oat caoslmerem h oew ̀ arrawer lj tbe MlrectCaosaflmhtlao Faho yau recelve rephys fahos tbht waufm ihge yau loefldl`fe uomer phrt (8) aj tbls mejloltlao.

H phrtlhf jlohoclhf bhrmsblp ls ho efldl`lflty requlreieot jar tbe L@P hom ^hy Hs \au Ehro pfhos.

Jar L@P, yau bhve h phrtlhf jlohoclhf bhrmsblp wbeo tbe hoouhf hiauot mue ao hff aj yaur efldl`fe fahos ar, lj yau hre ihrrlem hom jlfe h kalot jemerhflocaie thx returo, tbe hoouhf hiauot mue ao hff aj yaur efldl`fe fahos hom yaur spause“s efldl`fe fahos, exceems 85 perceot aj tbe mljjereoce ̀ etweeoyaur hmkustem drass locaie (HDL), hs sbawo ao yaur iast receotfy jlfem jemerhf locaie thx returo, hom 85> perceot aj tbe hoouhf paverty dulmefloehiauot jar yaur jhilfy slze hom sthte aj reslmeoce; Hoouhf hiauot aj phyieots mue ? 85% WHDL – (85>% x hppflch`fe paverty dulmefloe hiauot)Y.

Jar ^hy Hs \au Ehro, yau bhve h phrtlhf jlohoclhf bhrmsblp wbeo tbe hoouhf hiauot mue ao hff aj yaur efldl`fe fahos ar, lj yau hre ihrrlem hom jlfe h kalot jemerhf locaie thx returo, tbe hoouhf hiauot mue ao hff aj yaur efldl`fe fahos hom yaur spause“s efldl f̀e fahos, exceems 8> perceot aj tbemljjereoce ètweeo yaur hmkustem drass locaie (HDL), hs sbawo ao yaur iast receotfy jlfem jemerhf locaie thx returo, hom 85> perceot aj tbe hoouhfpaverty dulmefloe hiauot jar yaur jhilfy slze hom sthte aj reslmeoce; Hoouhf hiauot aj phyieots mue ? 8>% WHDL – (85>% x hppflch`fe paverty

dulmefloe hiauot)Y.

SEC]LAO 4; LOS]PUC]LAOS JAP CAI^FE]LOD ]BE JAPI

]ype ar prlot uslod mhrg log. Eoter mhtes hs iaotb-mhy-yehr (ii-mm-yyyy). Use aofy ouièrs. Exhipfe; Khouhry 38, 0>80 9 >8-38-0>80. Locfume yaur ohie homhccauot ouièr ao hoy macuieothtlao tbht yau hre requlrem ta suìlt wltb tbls jari. Lj yau oeem befp caipfetlod tbls jari, caothct yaur faho bafmer(s). Lj yau whotta hppfy jar h rephyieot pfho ao fahos tbht hre befm `y mljjereot faho bafmers, yau iust suìlt h sephrhte request ta ehcb faho bafmer.

Use tbls jari ta (8) request tbe L@P, ^hy Hs \au Ehro, ar LCP pfho jar rephyieot aj yaur Mlrect Fahos ar tbe L@P pfho jar yaur JJEF pradrhi faho(s), (0) ta suìlthoouhf macuieothtlao jar tbe chfcufhtlao aj tbe phyieot hiauot uomer tbe L@P, ^hy Hs \au Ehro, ar LCP pfho, ar (3) request tbht yaur faho bafmer rechfcufhte yaurcurreot iaotbfy phyieot hiauot èchuse yaur clrcuisthoces bhve cbhodem. ]a use tbe L@P ar ^hy Hs \au Ehro pfho, yau iust ieet tbe efldl`lflty requlreieotsjar tbase pfhos mescrlèm lo Sectlao <. Pephyieot pfho chfcufhtars hre hvhlfh`fe ht stumeothlm.dav . ]be chfcufhtars hre aofy lojarihtlaohf7 yaur faho bafmer(s) wlffihge tbe ajjlclhf meterilohtlao aj yaur efldl`lflty hom phyieot hiauot ̀ hsem ao tbe lojarihtlao yau pravlme ao tbls jari hom atber requlrem macuieothtlao.

\au iust pravlme yaur faho bafmer(s) wltb locaie macuieothtlao tbht wlff è usem ta meteriloe yaur efldl`lflty jar tbe L@P ar ^hy Hs \au Ehro pfho hom yaurphyieot hiauot jar tbe L@P, ^hy Hs \au Ehro, ar LCP pfho, hs mescrlèm lo Sectlao <.

Peturo tbe caipfetem jari hom hoy requlrem macuieothtlao ta tbe hmmress sbawo lo Sectlao 8>.

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http://slidepdf.com/reader/full/ibr-pay-as-you-earn-icr-request 4/5^hde = aj 5

SEC]LAO 2; MEJLOL]LAOS (CAO]LOUEM)

Jar àtb pfhos, tbe hoouhf hiauot aj phyieots mue ls chfcufhtem `hsem ao tbe drehter aj (8) tbe tathf hiauot awem ao efldl`fe fahos ht tbe tlie tbasefahos loltlhffy eoterem rephyieot, ar (0) tbe tathf hiauot awem ao efldl`fe fahos ht tbe tlie yau loltlhffy request tbe L@P ar ^hy Hs \au Ehro pfho. ]behoouhf hiauot aj phyieots mue ls chfcufhtem uslod h sthomhrm rephyieot pfho wltb h 8>-yehr rephyieot perlam, redhrmfess hs ta faho type.

Lj yau hre ihrrlem hom jlfe h kalot jemerhf locaie thx returo, yaur HDL locfumes yaur spause“s locaie.

]be ^hy Hs \au Ehro pfho ls h rephyieot pfho wltb iaotbfy phyieots tbht hre fliltem ta 8> perceot aj yaur mlscretlaohry locaie mlvlmem `y 80.Mlscretlaohry locaie jar tbls pfho ls tbe mljjereoce ètweeo yaur hmkustem drass locaie hom 85> perceot aj tbe paverty dulmefloe hiauot jar yaur sthte ajreslmeoce hom jhilfy slze. ]a loltlhffy quhfljy jar tbe ^hy Hs \au Ehro pfho hom ta caotloue ta ihge locaie-`hsem phyieots uomer tbls pfho, yau iust bhveh phrtlhf jlohoclhf bhrmsblp (see mejloltlao) hom ̀ e h oew ̀ arrawer (see mejloltlao).

]be paverty dulmefloe hiauot ls tbe jldure jar yaur sthte hom jhilfy slze jrai tbe paverty dulmefloes pu`flsbem hoouhffy ̀ y tbe U.S. Mephrtieot aj Behftbhom Buiho Servlces (BBS). ]be BBS paverty dulmefloes hre usem jar purpases sucb hs meterilolod efldl`lflty jar certhlo jemerhf èoejlt pradrhis. Lj yauhre oat h reslmeot aj h sthte lmeotljlem lo tbe paverty dulmefloes, yaur paverty dulmefloe hiauot ls tbe hiauot usem jar tbe =2 caotlduaus sthtes.

]be sthomhrm rephyieot pfho bhs h jlxem iaotbfy hiauot aver h rephyieot perlam aj up ta 8> yehrs jar fahos atber tbho Mlrect ar Jemerhf CaosaflmhtlaoFahos, ar up ta 3> yehrs jar Mlrect hom Jemerhf Caosaflmhtlao Fahos.

SEC]LAO <; EFLDL@LFL]\ PEXULPEIEO]S

LOJAPIH]LAO H@AU] ]BE ^H\ HS \AU EHPO HOM L@P ^FHOS;

]a loltlhffy quhfljy ta rephy yaur faho(s) uomer tbe L@P ar ^hy Hs \au Ehro pfho hom ta caotloue ta quhfljy ta ihge phyieots `hsem ao yaur locaie, yauiust bhve h phrtlhf jlohoclhf bhrmsblp (hs mejloem lo Sectlao 2). Lj yau hre ihrrlem hom jlfe h kalot jemerhf locaie thx returo, yaur faho bafmer(s) wlff hfsa thgeyaur spause“s locaie hom efldl`fe fahos lota hccauot wbeo meterilolod wbetber yau bhve h phrtlhf jlohoclhf bhrmsblp.

Jar tbe ^hy Hs \au Ehro pfho, yau iust è h oew ̀ arrawer hs mejloem lo Sectlao 2. Hftbaudb tbe ^hy Hs \au Ehro pfho ls hvhlfh`fe aofy jar Mlrect Faho^radrhi fahos, yaur faho bafmer(s) wlff thge hoy JJEF ^radrhi fahos tbht yau bhve lota hccauot wbeo meterilolod wbetber yau bhve h phrtlhf jlohoclhfbhrmsblp except jar; (8) h JJEF ^radrhi faho tbht ls lo mejhuft, (0) h Jemerhf ^FUS Faho ihme ta h phreot àrrawer, ar (3) h Jemerhf Caosaflmhtlao Faho

tbht rephlm h Jemerhf ar Mlrect ^FUS Faho ihme ta h phreot àrrawer. Hjter eotry lota tbe L@P ar ^hy Hs \au Ehro pfho, yau iust hoouhffy certljy yaur jhilfy slze hom pravlme locaie macuieothtlao jar meterilohtlao aj wbetber

yau caotloue ta bhve h phrtlhf jlohoclhf bhrmsblp. \aur faho bafmer(s) wlff oatljy yau aj tbe mehmfloe ̀ y wblcb yau hre requlrem ta pravlme tbls macuieothtlao.\aur iaotbfy phyieot hiauot ihy è hmkustem hoouhffy. ]be oew phyieot hiauot ihy ̀ e bldber ar fawer, mepeomlod ao tbe locaie macuieothtlao homjhilfy slze lojarihtlao yau pravlme ehcb yehr.

\au wlff oever phy iare per iaotb tbho yau waufm ao tbe 8>-yehr sthomhrm rephyieot pfho, `hsem upao tbe hiauot awem ao yaur efldl`fe fahos ht tbe tlieyau loltlhffy eoterem tbe L@P ar ^hy Hs \au Ehro pfho. Lj yau ma oat pravlme upmhtem locaie macuieothtlao hoouhffy, wltblo 8> mhys aj tbe mehmfloepravlmem `y yaur faho bafmer, hjter requestem ta ma sa `y yaur faho bafmer, yaur phyieot hiauot wlff è tbe 8>-yehr sthomhrm phyieot hiauot chfcufhtemht tbe tlie tbht yau loltlhffy eoterem tbe L@P ar ̂ hy Hs \au Ehro pfho hom hoy autsthomlod loterest wlff ̀ e chplthflzem (hmmem ta yaur prloclphf`hfhoce).Uomer tbe L@P ar ̂ hy Hs \au Ehro pfho, yaur iaotbfy phyieot ihy è fess tbho tbe iaotbfy hccrulod loterest. Ao su`slmlzem fahos, yau hre oatrequlrem ta phy hoy iaotbfy hccruem loterest tbht exceems yaur iaotbfy phyieot hiauot jar h ihxliui aj tbree caosecutlve yehrs jrai tbe mhte tbht yausthrt rephylod yaur fahos uomer tbe L@P ar ^hy Hs \au Ehro pfho. ]be tbree-yehr caosecutlve perlam flilt maes oat locfume hoy perlam murlod wblcb yaurecelve ho Ecaoailc Bhrmsblp Mejerieot. Ao uosu`slmlzem fahos, hff hccrulod loterest ls yaur respaosl`lflty.

Lj yau hre meteriloem ta oa faoder bhve h phrtlhf jlohoclhf bhrmsblp ar fehve tbe L@P ar ^hy Hs \au Ehro pfho, hoy uophlm loterest wlff è chplthflzem (hmmem

ta yaur prloclphf `hfhoce). Bawever, lj yau hre lo tbe ^hy Hs \au Ehro pfho, tbe hiauot tbht ls chplthflzem ls fliltem ta 8> perceot aj tbe autsthomlodprloclphf `hfhoce ao yaur fahos ht tbe tlie tbht yau eoterem tbe ^hy Hs \au Ehro pfho.

Lj yau fehve tbe L@P pfho, yaur phyieot hiauot wlff è tbe sthomhrm phyieot hiauot chfcufhtem `hsem ao tbe autsthomlod `hfhoce aj yaur efldl`fe fahos httbe tlie yau fehve tbe L@P pfho hom tbe rephyieot perlam reihlolod jar yaur fahos. Lj yau wlsb ta rephy yaur fahos uomer h mljjereot rephyieot pfho, yauiust jlrst ihge aoe phyieot uomer tbe sthomhrm rephyieot pfho ar ihge h remucem phyieot uomer h jarèhrhoce hdreeieot wblfe ao tbe sthomhrmrephyieot pfho wltb yaur faho bafmer(s).

Uomer tbe L@P pfho, lj yaur faho(s) ls oat rephlm lo juff hjter yau bhve ihme tbe equlvhfeot aj 05 yehrs aj quhfljylod iaotbfy phyieots hom ht fehst 05 yehrs bhveefhpsem, hoy reihlolod me`t wlff è jardlveo. Lj yau recelve ho Ecaoailc Bhrmsblp Mejerieot, hoy iaotbs aj Ecaoailc Bhrmsblp Mejerieot hre caoslmerem tbeequlvhfeot aj quhfljylod phyieots. Iaotbs jar wblcb yau recelve hoy atber type aj mejerieot ar iaotbs aj jarèhrhoce hre oat cauotem hs quhfljylod phyieots,hom ma oat cauot tawhrm tbe 05-yehr jardlveoess perlam. Hoy hiauot jardlveo uomer tbe L@P pfho ihy ̀ e caoslmerem locaie `y tbe Loterohf Peveoue Servlce homsu`kect ta jemerhf locaie thx. ]be ̂ u`flc Servlce Faho Jardlveoess ̂ radrhi hffaws efldl`fe ̀ arrawers ta chocef tbe reihlolod ̀ hfhoce aj tbelr Mlrect Fahos hjtertbey bhve servem juff tlie ht h pu`flc servlce ardholzhtlao jar ht fehst 8> yehrs, wblfe ihglod 80> quhfljylod faho phyieots, locfumlod phyieots uomer tbe L@Ppfho. Jar iare lojarihtlao, see stumeothlm.dav/pu`flcservlce.

Uomer tbe ^hy Hs \au Ehro pfho, lj yaur faho(s) ls oat rephlm lo juff hjter yau bhve ihme tbe equlvhfeot aj 0> yehrs aj quhfljylod iaotbfy phyieots hom htfehst 0> yehrs bhve efhpsem, hoy reihlolod me`t wlff è jardlveo. Lj yau recelve ho Ecaoailc Bhrmsblp Mejerieot, hoy iaotbs aj Ecaoailc BhrmsblpMejerieot hre caoslmerem tbe equlvhfeot aj quhfljylod phyieots. Iaotbs jar wblcb yau recelve hoy atber type aj mejerieot ar iaotbs aj jarèhrhoce hreoat cauotem hs quhfljylod phyieots, hom ma oat cauot tawhrm tbe 0>-yehr jardlveoess perlam. Hoy hiauot jardlveo uomer tbe ^hy Hs \au Ehro pfho ihyè caoslmerem locaie `y tbe Loterohf Peveoue Servlce hom su`kect ta jemerhf locaie thx. ]be û`flc Servlce Faho Jardlveoess ^radrhi hffaws efldl`feàrrawers ta chocef tbe reihlolod ̀ hfhoce aj tbelr Mlrect Fahos hjter tbey bhve servem juff tlie ht h pu`flc servlce ardholzhtlao jar ht fehst 8> yehrs, wblfeihglod 80> quhfljylod faho phyieots, locfumlod phyieots uomer tbe ^hy Hs \au Ehro pfho. Jar iare lojarihtlao, see stumeothlm.dav/pu`flcservlce.

LOJAPIH]LAO H@AU] ]BE LCP ^FHO;

Hff Mlrect Faho ̀ arrawers hre efldl`fe ta rephy tbelr efldl`fe fahos ao tbe LCP pfho. \au hre oat requlrem ta bhve h phrtlhf jlohoclhf bhrmsblp ta use tbe LCPpfho. ]a rephy efldl`fe fahos uomer tbe LCP pfho, yau iust suìlt macuieothtlao aj yaur locaie. Lj yau hre ihrrlem hom jlfe h kalot jemerhf thx returo, yaurfaho bafmer wlff hfsa thge yaur spause“s locaie lota hccauot wbeo chfcufhtlod yaur iaotbfy phyieot hiauot.

Lj yau hre ihrrlem, yau hom yaur spause ihy cbaase ta rephy yaur fahos kalotfy uomer tbe LCP pfho. Lj yau cbaase ta rephy kalotfy, yaur faho bafmer wlff useyaur cai`loem locaie hom Mlrect Faho me`t ta chfcufhte h kalot LCP phyieot hiauot, hom wlff tbeo prarhte tbe kalot phyieot hiauot ta meteriloe sephrhteLCP iaotbfy phyieot hiauots jar yau hom yaur spause tbht hre prapartlaohte ta ehcb lomlvlmuhf“s sbhre aj tb e cai`loem Mlrect Faho me`t. \au hom yaur

spause ihy sefect tbls aptlao uomer tbe LCP pfho redhrmfess aj yaur jemerhf thx returo j lflod sthtus.

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SEC]LAO <; EFLDL@LFL]\ PEXULPEIEO]S (CAO]LOUEM)

Hjter eotry lota tbe LCP pfho, yau iust hoouhffy certljy yaur jhilfy slze hom pravlme locaie macuieothtlao sa tbht yaur faho bafmer cho hmkust yaur phyieothiauot ta rejfect iare receot locaie lojarihtlao. \aur oew phyieot hiauot ihy ̀ e bldber ar fawer, mepeomlod ao tbe locaie macuieothtlao hom jhilfyslze lojarihtlao yau pravlme ehcb yehr. \aur faho bafmer wlff oatljy yau wbeo yau hre requlrem ta pravlme tbls macuieothtlao.

Lj yau ma oat pravlme upmhtem locaie macuieothtlao hoouhffy `y tbe mehmfloe pravlmem `y yaur faho bafmer(s), yaur phyieot hiauot wlff è chfcufhtem`hsem ao h 8>-yehr sthomhrm rephyieot pfho uslod tbe faho `hfhoce ht tbe tlie yau eoterem rephyieot uomer tbe LCP rephyieot pfho.

Uomer tbe LCP pfho, yaur iaotbfy phyieot ihy ̀ e fess tbho tbe iaotbfy hccrulod loterest. ]be hccrulod loterest tbht ls oat shtlsjlem `y yaur iaotbfyphyieot wlff è chplthflzem hoouhffy. \au wlff recelve h oatlce tefflod yau wbeo tbe loterest wlff è chplthflzem, hom yau wlff bhve tbe appartuolty ta phy tbhtloterest èjare lt ls chplthflzem. Tblfe yau reihlo lo LCP, tbe hiauot aj loterest tbht ls chplthflzem wlff è fliltem ta 8> perceot aj tbe autsthomlod prloclphf`hfhoce ao yaur fahos ht tbe tlie tbht yau eoterem rephyieot.

Uomer tbe LCP pfho, lj yaur faho(s) ls oat rephlm lo juff hjter yau bhve ihme tbe equlvhfeot aj 05 yehrs aj quhfljylod iaotbfy phyieots hom ht fehst 05 yehrs bhveefhpsem, hoy reihlolod me`t wlff è jardlveo. Lj yau recelve ho Ecaoailc Bhrmsblp Mejerieot, hoy iaotbs aj Ecaoailc Bhrmsblp Mejerieot hre caoslmerem tbeequlvhfeot aj quhfljylod phyieots. Iaotbs jar wblcb yau recelve hoy atber type aj mejerieot ar iaotbs aj jarèhrhoce hre oat cauotem hs quhfljylod phyieots,hom ma oat cauot tawhrm tbe 05-yehr jardlveoess perlam. Hoy hiauot jardlveo uomer tbe LCP pfho ihy ̀ e caoslmerem locaie `y tbe Loterohf Peveoue Servlce homsu`kect ta jemerhf locaie thx. ]be ̂ u`flc Servlce Faho Jardlveoess ̂ radrhi hffaws efldl`fe ̀ arrawers ta chocef tbe reihlolod ̀ hfhoce aj tbelr Mlrect Fahos hjtertbey bhve servem juff tlie ht h pu`flc servlce ardholzhtlao jar ht fehst 8> yehrs, wblfe ihglod 80> quhfljylod faho phyieots, locfumlod phyieots uomer tbe LCPpfho. Jar iare lojarihtlao, see stumeothlm.dav/pu`flcservlce.

LIÂP]HO] LOJAPIH]LAO H@AU] HF]EPOH]LZE MACUIEO]H]LAO AJ LOCAIE

\AU HPE PEXULPEM ta pravlme hfterohtlve macuieothtlao aj yaur locaie lj;

a \au mlm oat jlfe h jemerhf thx returo jar tbe eltber aj tbe twa iast receotfy caipfetem thx yehrs7 ara \au bhve èeo oatljlem `y yaur faho bafmer(s) tbht hfterohtlve macuieothtlao aj yaur locaie ls requlrem.

\AU IH\ pravlme hfterohtlve macuieothtlao aj yaur locaie lj yaur Hmkustem Drass Locaie (HDL), hs repartem ao yaur iast receotfy jlfem jemerhf thx returo,maes oat rehsaoh`fy rejfect yaur curreot locaie, èchuse, jar exhipfe, aj h fass aj ar cbhode lo eipfayieot `y yau ar yaur spause.

\AU HPE OA] PEXULPEM ta pravlme hfterohtlve macuieothtlao aj yaur locaie lj yau cho pravlme h capy aj yaur iast receotfy jlfem jemerhf thx returo arho LPS thx returo t rhoscrlpt jrai eltber aj tbe twa iast receotfy caipfetem thx yehrs7 hom tbht macuieothtlao rehsaoh`fy rejfects yaur curreot locaie.

SEC]LAO 8>; TBEPE ]A SEOM ]BE CAI^FE]EM PE^H\IEO] ^FHO PEXUES]

Peturo tbe caipfetem jari hom hoy requlrem macuieothtlao ta;

Lj oa hmmress ls sbawo, returo ta yaur faho bafmer(s).

Lj yau oeem befp caipfetlod tbls jari, chff;

Lj oa tefepbaoe ouièr ls sbawo, chff yaur faho bafmer(s).

SEC]LAO 88; LIÂP]HO] OA]LCES

^rlvhcy Hct Oatlce. ]be ^rlvhcy Hct aj 8<4= (5 U.S.C. 550h) requlres tbht tbe jaffawlod oatlce è pravlmem ta yau;

]be hutbarltles jar caffectlod tbe requestem lojarihtlao jrai hom hàut yau hre §=08 et seq. hom §=58 et seq. aj tbe Bldber Emuchtlao Hct aj 8<:5, hs hieomem (0> U.S.C. 8>48 et seq. hom 0> U.S.C.8>24h et seq.) hom tbe hutbarltles jar caffectlod hom uslod yaur Saclhf Securlty Ouièr (SSO) hre §§=02@(j) hom =2=(h)(=) aj tbe BEH (0> U.S.C. 8>42-0(j) hom 8><8(h)(=)) hom 38 U.S.C. 44>8(`).^hrtlclphtlod lo tbe Jemerhf Jhilfy Emuchtlao Faho (JJEF) ̂ radrhi ar tbe Tlfflhi M. Jarm Jemerhf Mlrect Faho (Mlrect Faho) ̂ radrhi hom dlvlod us yaur SSO hre vafuothry, ̀ ut yau iust pravlme tberequestem lojarihtlao, locfumlod yaur SSO, ta phrtlclphte.

]be prloclphf purpases jar caffectlod tbe lojarihtlao ao tbls jari, locfumlod yaur SSO, hre ta verljy yaur lmeotlty, ta meteriloe yaur efldl`lflty ta r ecelve h faho ar h ̀ eoejlt ao h faho (sucb hs h mejerieot,jarèhrhoce, mlscbhrde, ar jardlveoess) uomer tbe JJEF hom/ar Mlrect Faho ̂ radrhis, ta perilt tbe servlclod aj yaur faho(s), hom, lj lt ̀ ecaies oecesshry, ta fachte yau hom ta caffect hom repart ao yaurfaho(s) lj yaur faho(s) ècaies mefloqueot ar mejhufts. Te hfsa use yaur SSO hs ho hccauot lmeotljler hom ta perilt yau ta hccess yaur hccauot lojarihtlao efectraolchffy.

]be lojarihtlao lo yaur jlfe ihy ̀ e mlscfasem, ao h chse-`y-chse ̀ hsls ar uomer h caiputer ihtcblod pradrhi, ta tblrm phrtles hs hutbarlzem uomer rautloe uses lo tbe hppraprlhte systeis aj recarmsoatlces. ]be rautloe uses aj tbls lojarihtlao locfume, ̀ ut hre oat fliltem ta, lts mlscfasure ta jemerhf, stht e, ar fachf hdeocles, ta prlvhte phrtles sucb hs refhtlves, preseot hom jarier eipfayers, ̀ usloesshom persaohf hssaclhtes, ta caosuier repartlod hdeocles, ta jlohoclhf hom emuchtlaohf lostltutlaos, hom ta duhrhoty hdeocles lo armer ta verljy yaur lmeotlty, ta meteriloe yaur efldl`lflty ta recelve h faho ar hèoejlt ao h faho, ta perilt tbe servlclod ar caffectlao aj yaur faho(s), ta eojarce tbe teris aj t be faho(s), ta lovestldhte passl`fe jrhum hom ta verljy caipflhoce wltb jemerhf stumeot jlohoclhf hlm pradrhiredufhtlaos, ar ta fachte yau lj yau ̀ ecaie mefloqueot lo yaur faho phyieots ar lj yau mejhuft. ]a pravlme mejhuft rhte chfcufhtlaos, mlscfasures ihy ̀ e ihme ta duhrhoty hdeocles, ta jlohoclhf homemuchtlaohf lostltutlaos, ar ta sthte hdeocles. ]a pravlme jlohoclhf hlm blstary lojarihtlao, mlscfasures ihy è ihme ta emuchtlaohf lostltutlaos. ]a hsslst pradrhi hmilolstrhtars wltb trhcglod rejuoms homchoceffhtlaos, mlscfasures ihy ̀ e ihme ta duhrhoty hdeocles, ta jlohoclhf hom emuchtlaohf lostltutlaos, ar ta jemerhf ar sthte hdeocles. ]a pravlme h sthomhrmlzem ietbam jar emuchtlaohf lostltutlaos taejjlcleotfy suìlt stumeot eoraffieot sthtuses, mlscfasures ihy ̀ e ihme ta duhrhoty hdeocles ar ta jlohoclhf hom emuchtlaohf lostltutlaos. ]a cauosef yau lo rephyieot ejjarts, mlscfasures ihy ̀ e ihme taduhrhoty hdeocles, ta jlohoclhf hom emuchtlaohf lostltutlaos, ar ta jemerhf, sthte, ar fachf hdeocles.

Lo tbe eveot aj fltldhtlao, we ihy seom recarms ta tbe Mephrtieot aj Kustlce, h caurt, hmkumlchtlve àmy, cauosef, phrty, ar wltoess lj tbe mlscfasure ls refevhot hom oecesshry ta tbe fltldhtlao. Lj tblslojarihtlao, eltber hfaoe ar wltb atber lojarihtlao, lomlchtes h pateotlhf vlafhtlao aj fhw, we ihy seom lt ta tbe hppraprlhte hutbarlty jar hctlao. Te ihy seom lojarihtlao ta ieièrs aj Caodress lj yau hsgtbei ta befp yau wltb jemerhf stumeot hlm questlaos. Lo clrcuisthoces lovafvlod eipfayieot caipfhlots, drlevhoces, ar mlsclpfl ohry hctlaos, we ihy mlscfase refevhot recarms ta hmkumlchte ar l ovestldhte

tbe lssues. Lj pravlmem jar `y h caffectlve `hrdhlolod hdreeieot, we ihy mlscfase recarms ta h fhàr ardholzhtlao recadolzem uomer 5 U.S.C. Cbhpter 48. Mlscfasures ihy è ihme ta aur caotrhctars jartbe purpase aj perjarilod hoy pradrhiihtlc juoctlao tbht requlres mlscfasure aj recarms. @ejare ihglod hoy sucb mlscfasure, we wlff requlre tbe caotrhctar ta i hlothlo ̂ rlvhcy Hct shjeduhrms.Mlscfasures ihy hfsa ̀ e ihme ta quhfljlem resehrcbers uomer ̂ rlvhcy Hct shjeduhrms.

^hperwarg Pemuctlao Oatlce. Hccarmlod ta tbe ^hperwarg Pemuctlao Hct aj 8<<5, oa persaos hre requlrem ta respaom ta h caffectlao aj lojarihtlao uofess lt mlspfhys h curreotfy vhflm AI@ caotrafouièr. û`flc repartlod ̀ urmeo jar tbls caffectlao aj lojarihtlao ls estlihtem ta hverhde >.5 baurs (3> iloutes) per respaose, locfumlod tbe tlie j ar revlewlod lostructlaos, sehrcblod exlstlod mhthresaurces, dhtberlod hom ihlothlolod tbe mhth oeemem, hom caipfetlod hom revlewlod tbe lojarihtlao caffectlao. Lomlvlmuhfs hre a`fldhtem ta respaom ta tbls caffectlao ta a`thlo h ̀ eoejlt lo hccarmhoce wltb3= CJP :20.085, :25.0><, ar :25.008. Seom caiieots redhrmlod tbe ̀ urmeo estlihte(s) ar hoy atber hspect aj tbls caffectlao aj lojarihtlao, locfumlod suddestlaos jar remuclod tbls ̀ urmeo ta tbe U.S.Mephrtieot aj Emuchtlao, =>> Ihryfhom Hveoue, ST, Thsblodtao, MC 0>08>-=534 ar e-ihlf LCMacgetIdrNem.dav hom rejereoce AI@ Caotraf Ouièr 82=5->8>0.

Oate; ̂ fehse ma oat returo tbe caipfetem jari ta tbls hmmress. Lj yau bhve questlaos redhrmlod tbe sthtus aj yaur lomlvlmuhf suìlsslao aj tbls jari, caothct yaur faho bafmer(s) (seeSectlao 8>).





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