You may only make a hardship withdrawal from your Account if you can prove to the Trustees that the withdrawal is necessary due to an extreme financial hardship. Extreme financial hardship includes, but is not necessarily limited to, the following situations encountered by you or your immediate family:

• Uninsured physician or hospital expenses;
• College educational expenses for the next 12 months;
• Purchase of a principal residence;
• Prevention of eviction from or foreclosure of a mortgage on Participant’s principal residence.

Employer Contributions and interest or earnings on your Salary Deferral cannot be withdrawn for hardship.

Hardship withdrawal requests may be made to the Trustees only once each Plan Year, upon thirty days prior written notice. The Trustees’ decision regarding the approval or denial of any hardship withdrawal is final and conclusive. You will be charged a Hardship Withdrawal Fee of $50.00.

In the event of a hardship distribution, your Salary Deferral to this Fund will be suspended for six (6) months after receiving the hardship distribution from the Fund.