| Q. |
| A. | An Employee becomes a Participant in the Plan upon completion of two Years of Service (at least 1,000 hours per year). |
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| Q. |
| A. | January - December |
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| Q. |
| A. | You become Vested upon becoming a Participant (see above). |
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| Q. |
| A. | You become eligible to withdraw money from your account upon retirement or termination of employment for at least six consecutive months. |
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| Q. |
| A. | No. |
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| Q. |
| A. | The Trust Fund assets are invested at the Trustees' direction. |
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| Q. |
| A. | Your account will be paid out to your Beneficiary. |
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| Q. |
| A. | If you wish to designate a Beneficiary, please contact the Fund Office at (410) 872-9500 . |
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| Q. |
| A. | If you wish to apply for your benefit, please contact the Fund Office at (410) 872-9500. |
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