6 A RTICLE VI DISTRIBUTIONS PRIOR TO TERMINATION OF EMPLOYMENT The Individual Agreements governing the investment options that you selected for your Plan contributions might contain additi onal limits on when you can take a distribution, the form of distribution that is avail able as well as your right to transfer among approved investment options . Please review both the following information in this Summary Plan Description and the terms of your annuity contracts or custodial agreements before requesting a distribution. Contact your Employer or the investment vendor if you hav e questions regarding your distribution options. Can I withdraw money from my account while working ? In - service distributions. You may be entitled to receive an in - service distribution. However, this distribution is not in addition to your other benefits and will therefore reduce the value of the benefits you will receive at retirement. This distribution is made at your election subject to possible administrative limitations on the frequency and actua l timing of such distributions. Conditions. Generally , you may receive a distribution from certain accounts , if vested, prior to termination of employment provided you satisfy any of the following conditions:  you have attained age 59 1/2. Satisfying this condition allows you to receive distributions from any of your accounts, whether from E lective D eferrals, Matching Contribution s, or Nonelective Contribution s .  you have incurred a financial hardship as described below , regardless of age. These withdrawals are only allowed from Elective Deferral Accounts. Restricted Amounts. There may be restrictions placed on distributions from certain account investments. Ask the Plan Administrator if you need further details. Qualified reservist distributions. If you: (i) are a reservist or National Guardsman; (ii) were/are called to active duty after September 11, 2001; and (iii) were/are called to duty for at least 180 days or for an indefinite period, you may take a distribu tion of your elective deferrals under the Plan while you are on active duty, regardless of your age. The 10% premature f ederal distribution penalty tax, normally applicable to Plan distributions made before you reach age 59 1/2, will not apply to the distr ibution. You also may repay the distribution to an IRA, without limiting amounts you otherwise could contribute to the IRA, provided you make the repayment w ithin 2 years following your completion of active duty. Distributions for deemed severance of empl oyment. If you are on active military duty for more than 30 days, then the Plan generally treats you as having severed employment for purposes of receiving a distribution from the Plan from elective deferrals . If you request a distribution on account of th is deemed severance of employment, then you are not permitted to make any contributions to the Plan for six (6) months after the date of the distribution. Withdrawal of rollover contributions . You may withdraw amounts in your "rollover account" at any time . Annuity waiver. If you wish to receive any in - service distribution from the Plan , you (and your spouse, if married) must first waive the annuity form of payment. If you are married, you must get written consent from your spouse to take a distribution from the Pl an in any form other than a qualified joint an d survivor annuity. Your spouse' s consent is also needed if you want to name someone other than your spouse as your beneficiary. The annuity would need to be structured to provide a benefit while you are both alive and th en to provide a survivor benefit that is equal to 50 percent of the a mount you received while you were both living. You can designate a different survivor percentage subject to certain limits under the qualified optional survivor annuity regulations. Your Emplo yer will provide you with more information regarding your annuit y options when it comes time for you to make a decision. Follow the procedures established by your E mployer to document your spouse' s consent to waive the annuity and take the payment in some other form permitted by the Plan. Your spouse must also consent to any Plan loans that you request. Can I withdraw money from my account in the event of financial hardship? Hardship distributions. You may withdraw money in your Elective Deferral Accounts (not your Employer Contribution accounts or Restricted Amounts ) due to financial hardship if you satisfy certain conditions , subject to any rules and conditions set forth in the investment arrangements . This hardship distribution is not in addition to your other benefits and will therefore reduce the value of the benefits you will receive upon termination of employment or other event entitling you to distribution of your account balance . Restricted Amounts. There are legal restrictions placed on hardship distributions from certain accounts (referred to as "Restricted Accounts"). Unless Congress changes the law , y ou can not take hardship distributions from earnings on E lective D eferrals. Qualifying expenses. A hardship distribution may be made to satisfy certain immediate and heavy financial needs that you have. A hardship distribution may only b e made for payment of the following:  Expenses for medical care (described in Section 213(d) of the Internal Revenue Code) for you, your spouse , your dependents or your beneficiary.  Costs directly related to the purchase of your principal residence (excluding mortgage payments).  Tuition, related educational fees, and room and board expenses for the next twelve (12) months of post - secondary education for you, your spouse, your children , your dependents or your beneficiary.