PROFIT-SHARING PLAN FOR SELF-EMPLOYED INDIVIDUALS

. TABLE OF CONTENTS
Article

Preamble

1. Purpose and Definitions
Preamble
Purpose
Definitions
Construction

2. Service Credit and Participation
Hour of Service
Service
Break in Service
Loss of Service
Multiple Trades and Businesses
Participation Originating Under This Plan
Cessation of Participation Service and Reentry

3. Contributions
Contributions by Employer
Member Voluntary Contributions
Member Voluntary Contributions (Alternate)

4. Individual Accounts and Allocations
Establishment of Individual Accounts
Allocation of Employer Contributions
Allocation of Gains and Losses
Allocation of Forfeitures
Notification to Members

5. Retirement
Benefit

6. Death
Designation of Beneficiary
Benefit
No Beneficiary

7. Disability
Benefit

8. Termination of Employment, and Forfeitures
Eligibility
Benefit
Forfeitures
Early Retirement

9. Distribution Notices and Methods of Payment
Notice to Trustee
Subsequent Notices
Time and Methods of Payment
Limitations on Payment
Minority or Disability Payments

10. Special Governmental Requirements
Limit on Annual Additions Under [CODE SECTION]
Top-Heavy Restrictions

11. Administration
Appointment of Committee
Committee Powers and Duties
Claims Procedure
Committee Procedures
Authorization of Benefit Payments
Payment of Expenses
Unclaimed Benefits

12. Trust Fund
Establishment of Trust Fund
Payment of Contributions to Trust Fund

13. Amendments
Right to Amend

14. Withdrawal and Termination
Transfers of Plan Assets and Plan Mergers
Plan Termination
Suspension and Discontinuance of Contributions and Plan
Termination
Liquidation of Trust Fund

15. General Provisions
Non-guarantee of Employment
Manner of Payment
Non-alienation of Benefits
Amounts Returnable to the Employer
Governing Law


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PROFIT-SHARING PLAN FOR SELF-EMPLOYED INDIVIDUALS