Loans and Withdrawals

Although the Plan is intended to provide income for retirement, you may, under special circumstances or in the event of an emergency, need your money while you are still working.

You may have up to six options for withdrawing all or a portion of the vested balance in your Plan Account while you are an employee of the Company.

If you meet the requirements described below for the type of withdrawal you are seeking, the options are:

• Loans;
• Withdrawals from your after-tax, rollover and Roth rollover sub-accounts;
• Withdrawals after attainment of age 59½;
• Withdrawals upon disability;
• Hardship withdrawals;
• Domestic Abuse withdrawals;
• Qualified Disaster Recovery Distributions;
• Reservist withdrawals;
• Heart Act withdrawals; or
• Birth or adoption withdrawals.

Keep in mind that when you make a withdrawal, you are not earning investment returns on the money you take out of the Plan. This could substantially reduce the amount of your retirement savings when your employment with a Participating Employer and its Affiliates terminates. You may want to consult with your tax adviser before deciding whether a loan or withdrawal is right for your personal situation and whether you should specify, where applicable, the sub-accounts from which the loan or withdrawal will be taken.

The amount of your loan or withdrawal is taken from your Plan Account on a prorated basis from each of the investment funds in which your Plan Account is invested, except the Mutual Fund Window.

If you die before receiving your requested loan or withdrawal, the request will be void as of the date of your death.