4. WHAT ARE MY PAYMENT OPTIONS WHEN I BECOME ELIGIBLE?

You may receive your distribution in one of the following ways:

·        Lump Sum – Your entire balance paid to you in one lump sum payment, subject to 20% mandatory federal income tax withholding.

·        Partial Distribution – Part of your balance paid to you (must be over $5,000), subject to mandatory 20% federal income tax withholding.  Note:  A partial distribution may only be taken once within a 12-month period.

·        Direct Rollover* – Your entire balance directly rolled over to a designated IRA or qualified plan.

·        Partial Rollover* – Part of your balance directly rolled over to a designated IRA or qualified plan (must be over $5,000) with the remaining balance to be left in the Qualified Savings Plan Fund for future eligible withdrawal.

·        Rollover/Lump Sum Split* – Part of your balance paid to you in a lump sum, subject to 20% mandatory federal income tax withholding, and the remaining balance directly rolled over to a designated IRA or qualified plan.