| Q. |
| A. | Once you are vested you become eligible to apply for a loan. |
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| Q. |
| A. | January-December |
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| Q. |
| A. | No, you do not |
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| Q. |
| A. | You become vested after you have 3 years with 600 hours each. |
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| Q. |
| A. | Once you have become vested |
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| Q. |
| A. | You can only borrow for the purpose of purchasing primary
home in which you will be living. |
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| Q. |
| A. | After 3-600 hour years you become vested in a row. |
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| Q. |
| A. | When you die, your beneficiary would be paid the balance of your account. |
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| Q. |
| A. | We have Beneficiary forms for you to complete. These can be changed as often as you see fit. |
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| Q. |
| A. | If you get divorced there could be a QDRO depending on what your divorce papers state. |
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| Q. |
| A. | Answer Here |
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