You will become eligible to receive payment of your Accumulated Share under the following circumstances:

• You reach age 55
• Death prior to Retirement
• Become entitled to Social Security Benefit under Title II of the Social Security Act
• Separate from service for six (6) consecutive months in which you had less than one hundred sixty (160) hours.

Participation in the Plan begins after the first hour of Covered Employment.

Any Individual Account of a Participant under this Plan shall be 100% vested immediately.

You will become eligible to receive payment of your Accumulated Share under the following circumstances

• You reach age 55
• Death prior to Retirement
• Become entitled to Social Security Benefit under Title II of the Social Security Act
• Separate from service for six (6) consecutive months in which you had less than one hundred sixty (160) hours.

If you die prior to retiring, your Accumulated Share will be paid to your Beneficiary over a period of up to five (5) years. However, if you were married throughout the year before your death, your Accumulated Share will be paid to your surviving spouse in the form of a life annuity unless he/she elects, within ninety (90) days of receiving notice from the Fund, to receive the benefit over a period of up to five (5) years.

For the protection of the person or persons you want the Plan’s Death Benefits to go to, be sure that you have made your Designated Beneficiary known to the Administrative Office. If your beneficiary should die before you, or any other reason you want to change your choice, you should promptly inform the Administrative Office.

Inform the Administrative Office.

The first step in applying for your Individual Account is to request an application form from the Administrative Office.