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Frequently Asked Questions 
  
Employee/Plan Participant 
Q:  I have a loan on my retirement plan, is there an early payoff penalty?
Q:  Can I amend a pending investment change?
Q:  How can I get investment information concerning my available mutual funds options?
Q:  How do I change how future money is deposited into my account?
Q:  How do I change my address/beneficiary/contribution percentage/loan/hardship/rollover?
Q:  How do I choose between using a model investment or picking my own investment funds?
Q:  How do I request a loan/hardship/in-service distribution?
Q:  How do I request a withdrawal from my plan?
Q:  I am getting a divorce, how does a divorce affect my retirement plan account?
Q:  I have changed my User ID/Password on the web; does that change my 800 number User ID/Password?
Q:  I have elected to change fund allocations, will this affect both my existing and future fund allocation?
Q:  I have started contributing to the retirement plan and want to view my account for the first time, how do I access my account on the web?
Q:  I want to change how existing investment monies are allocated, what are my options?
Q:  I’ve terminated service with my employer and have an outstanding loan balance, what are my options?
Q:  If my plan allows loans, is there dollar or time limitation?
Q:  What are the tax consequences of a distribution?
Q:  What does vested account balance mean?
Q:  What is excessive mutual fund trading and market timing activities, and are there fees associated with either?
Q:  When am I eligible to take a withdrawal from my account?
Q:  When will my investment direction modification be effective?