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<br />~.04 Upon Normnl ~e~i~emen~
<br />
<br /> m ms/he, ent,~e Emple~r
<br />
<br />6.05 Upon Death or D~s~bihly, t;ot.',lh?,and,ng
<br /> lr,P P.a~, ~n Ih~ eYenl c,f D:sbb4J% o: 0~B:h. a P~l,: ;,~', ~.h~ll
<br /> hPv:' ~ ~, TJq' :,rto ',~,?~ Inte'~m'
<br />
<br /> s.ant to Dect,on 6 05 ot the P,~n.
<br />
<br />6.06 Fo~eilures. Excepl as prowded mn Secbons 6 04 and 605 of
<br /> lhe Pla% a Pa~,c;pant ~ho sepa,ates from se-v,ce pr~or lo
<br /> ob~am:ng tuh yes!mS shah IorteJ that percenla~e O! h~S/her
<br /> Empioyer Comr,bubon ACCOunt balance wh,cP has no~ veste~
<br /> as o' the 0ale such Pa~iclpam in3u,s ~ B~eak m Servme or,
<br /> iteatl,e- ~hedalesuchPa~cipBn:
<br /> e~hre N~qtofle~:abJe In',eres'. m
<br /> AccOun! pursuant lO
<br /> of Ihe Plan.
<br />
<br /> Such Iodei~ures shah be alto:o'.e: in the manner Oesc,ige~
<br /> ,n Scsi,on 4.02 Ot lhe P;an
<br />
<br />6.07 Reinstatement o~ Fodeitures. I~ the Paqicipam retJ'nS to the
<br /> empi~ymem oi the Empioye, before mcurnng
<br /> ~ce. anF amounts fode~le~ pursuant to Seal,on G.05 o' the Pian
<br /> s~a',; be roing~le~ to
<br /> ACcount Within a reesonable t~e after repaymer,: by tne Pa~-
<br /> bc~Dgn', o' the amoan~ of the d:s:riDuq~on. Su:~ repayment mu;:
<br /> be mace before thc egri~er
<br />
<br /> (a) The date ~'~ yea's offer the cate of resump:on of emp~oy-
<br /> merit, or
<br />
<br /> (b) The oonciusiDn of a ~reBk iF Se-vice abe: gush 'esum~
<br /> t,o~ of empioyment.
<br />
<br />VII.
<br />
<br />BENEFITS CLAIM
<br />
<br /> 7.01 Claim of Benefits. A ParlicGa%. Ema;gyee o, Benef, c;ar¥ shal;
<br />
<br /> uncer the P~an. The P;an Adm:mstr~:3' sh~? race such sleds
<br /> as may ~ neaessa-y IO facilna:e the p~yment of such benefl;s
<br /> to the Padicipant. Employee or
<br />
<br /> 7.02 Appeal Procedure. If any claim for becefds is den,ed b) the
<br /> P~an Aomm~stratgr, the Plan Aura,mS!rotor sha~i notJ~ the
<br /> cJaimant in writ,ns si such Oem~f. s;atmg loaf, the specific
<br /> tensors and cibng reference Ia SDgc;f,c prOv,S:DnS Cf the P~an
<br /> upon which the denia: is b~sed. An a~pea; po-,3= of si~y (60)
<br /> Oays afle, r~mpt of the notificatign of oemz'. SF.~l~ De
<br /> and sa~d notiflcahon shall cdr, se the cla~m~r,~ of the
<br /> procure. The c~aimant may file the ~a~ with ~he
<br /> whose Oesisior, :~all be final !o the extent altcweo by law.
<br />
<br />VII[. COMMENCEMENT OF BENEFITS
<br />
<br /> B.Ol Normal Commencement o! Benefits. The distribution ct a
<br /> Participant's accounts sha~l commence sixty (60) days after
<br /> the close of the Plan Year during which one of the foliowin~
<br /> events occurs, whichever ~s late!:
<br />
<br /> (a) The Participant obtains age 65 or Normal Retirement Age,
<br /> whichever is earlier, or
<br />
<br /> (bi The Particlpanl separates from service.
<br />
<br />8,02
<br />
<br />8.03
<br />
<br />8.04
<br />
<br />Elective Commencen~enI of J3eq¢,fdt~.
<br />J~pn 8 O1 O' It,C' Plan. a Paq'C';,~r/'.
<br />
<br />by w[i'.le~ not se lo lhe P:ah Aamm~:,?a',)- lo ha,-, ',r,(. J: ,,
<br />
<br />in the Ad3;,ho-, Ag'epic-,: ~r6 Emp~%.c- 5r.~ p a:~ r,c
<br />StrlCl,e~S On boner ts
<br />
<br />Rollover to Another Plan. N:.,tw~thstan:~mg S..' Ct,hn E 02
<br />the P~an. any Pamcipar. t wh3 term:nates emp.;,)me-,'.
<br />subsequer41y becomes em~:aye~ w;'.r, another un: cf s;a!~: -
<br />Is;a) government, or an agen~ o~ mnstrumert.~i,;). O~ one
<br />more states o, ioca~ governments s%a', be er,!;t:ej
<br />a drstribut,on of lhe Non{ode.table lie-es: m all 6' h:s'r'e'
<br />accounts for pur~se5 of makmg a rohcve' conl':bu:,bn
<br />m~ximum e~en[ permitted undo' the Coca. to
<br />Employer's p~an. prowded th&: the ne' Emplg..er ce~
<br />the Plan AdmJmmra~o' thc: its p. an p'ov. Jes for the a234
<br />
<br />Latest Commencement cf Benefits. Notw;ths:andmg
<br />ti3n 8.02 of the Pian. the d,stnbuton o'. a Pal,si;
<br />must commence no:. later than the end si 1) tn
<br />in which the Pa-t;cDant a.~ains a~e 7D:~.. o' 2) it
<br />in which the Pan,c~pant ~.ct.rai~y
<br />
<br />B.OS
<br />
<br />8
<br />
<br />8.07
<br />
<br />De MinJmis Accounts. Notw;thstandm~c the to'e.c;mg in tr
<br />Article Vlll. a Paths,para wh2 incurs a Break in Se~/,ce
<br />~o has a ~mbm~ bataqce o' ~ss than ~,~
<br />accounts, sha'.~ ~ paid h~ner lump sum value
<br />after the Brez~ in So.ice.
<br />
<br />Withdrawal c~ Voluntary Contributions. A Panicipanl ma:
<br />upon written reauest withcra~, a pa.1 of or the ful) amount
<br />his/her Vo~umary Contribution Account. Such w:th,.irawa!s
<br />be made at .---ny brae. pro,,;de.4 that no more t~-:n two. sac-
<br />withdrawals may be mace du*in9 any Plan Year.
<br />
<br />Withdrawal of DeducUbie Employee Contributions. A Pa*-
<br />tic,pant may upon written request Wl:h3raw a
<br />full amount of his/her Decuc!JD)e Em.,Dloyee C07,triDution
<br />count. Pamc~p~n~s wild ~ncu' a penai~y tax JDr pr~matu'e
<br />d~stribubon if a w~tharawa! ~curs prior to D~s~i~b', death o'
<br />a~amment of age 59V2.
<br />
<br />IX. DEATH BENEFITS
<br />
<br /> g.01 Pre-retirement Death Benefits. Should the Pa-t~ci~ant
<br /> be:are benefits have commenced, a Benefic:a'-y sine' than tr
<br /> Participant's surviwng spouse or a Qualified Bone',slaty,
<br /> receive p~yment of the Pa.'1;cipam's ent, re Account balances
<br /> within Jive years si the Pa'l~c~pant's death.
<br /> payable is a surviving spouse on account of the Participant s
<br /> death, and the su~iving spou~ d,es before benefits have co~--
<br /> merited, a Beneficiary other than a Qualified Benef. s,ary must
<br /> receive payment of the Parbcipant's enbre Accour4
<br /> within five years of lhe survwmg spouse's death. Unless the
<br /> Beneficia.,~' elects otherwise, prior to the hmo d~str;bubon
<br /> to be made, the Partimpant's entire Account balances sba
<br /> be paid in a lump sum on the lest day of the hfty-mnth ion:-
<br /> after the death of the Pamcipan! or surwwng spouse, whicneve-
<br /> is applJcabie.
<br />
<br />
<br />
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