Stark Bank Group Enrollment Booklet

What is my vested interest in my account?....................................................................................10

How do I determine my Years of Service for vesting purposes? ..................................................11

Does all my service count for vesting purposes?...........................................................................11

Does my service with another Employer count for vesting purposes? ..........................................11

As a veteran, will my military service count as service with the Employer? ................................12

What happens to my non-vested account balance if I'm rehired?..................................................12

What happens to the non-vested portion of a terminated participant's account balance?..............12

What happens if I am called to active military duty? ....................................................................12

ARTICLE IV DISABILITY BENEFITS

How is disability defined? .............................................................................................................13

What happens if I become disabled? .............................................................................................13

ARTICLE V FORM OF BENEFIT PAYMENT

How will my benefits be paid? ......................................................................................................13

May I delay the receipt of benefits?...............................................................................................13

ARTICLE VI DEATH BENEFITS

What happens if I die while working for the Employer?...............................................................14

Who is the beneficiary of my death benefit? .................................................................................14

How will the death benefit be paid to my beneficiary? .................................................................14

When must the last payment be made to my beneficiary?.............................................................14

What happens if I'm a participant, terminate employment and die before receiving all my

benefits? .........................................................................................................................................15

ARTICLE VII IN-SERVICE DISTRIBUTIONS

Can I withdraw money from my account while working? ............................................................15

Can I withdraw money from my account in the event of financial hardship? ...............................15

What constitutes a hardship? .........................................................................................................15

Are there any conditions to receiving a hardship distribution? .....................................................16

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