Q:

How is the maximum amount available for hardship withdrawal determined?

A:

The amount is calculated by adding the participant’s 12/31/88 401(k) account balance (if any) and their contributions since that date. Earnings on a participant account after 1988 are not eligible for withdrawal. Some plans also allow withdrawals from employer matching and employer profit sharing accounts. Check your adoption agreement and plan document for further information.

Q:

How can you find out how much is available for a withdrawal?

A:

This information is available to you and your participants through the Voice Response Unit (VRU) by calling 1-800-933-4788. You can also access this information through our website at www.dyatech.com.

Q:

Can a participant incorporate 20% withholding tax into the total amount of the hardship distribution?

A:

Yes, as long as the total amount being withdrawn does not exceed the maximum amount available for the hardship distribution.

Q:

I am no longer with my company – can I withdraw the funds?

A:

Yes, as long as you have been terminated from the company, we can begin the paperwork in order to pay you out of the plan. You can contact your Plan Administrator at your company or call our Client Services line, 1-866-651-4222, ext 400.

Q:

I am still working for my company – how do I get my money?

A:

You cannot take your money out of your retirement plan while you are still working at the company. However, you may have other options available to you, and should check with the Plan Administrator at your company or call our Client Services line, 1-866-651- 4222, ext 400.

Q:

How frequently are statements mailed out?

A:

Statements on you account will be mailed out on a quarterly basis. The statements are mailed by the 15th of the month following the end of the quarter. You may also view your account summary on our website. (Login to the Dyatech Online website.)

Q:

How can I see the activity in my account?

A:

You can view the activity in your account online by choosing the Activity Summary option. Once you are on this page, you can specify a date range. You may also choose to view the activity by investment or money source. Once you have specified a date range and any additional parameters, you will click on the submit button. This will access the information you have specified. Any information that is listed in blue can be expanded to display additional details.

Q:

How can I update my address?

A:

You can update your address in two ways. You can log in to your account online and use the Update Address
feature. You can also download the Participant Change Form and email the completed form to support@dyatech.com.

Q:

How often can I change my investment elections?

A:

You may change the investment elections in your account daily. Dyatech does not charge any additional fees
for investment election changes. However, many of the mutual fund companies have excessive trading policies in force. In accordance with these policies, often a redemption fee is assessed if a transfer out is made within a specific period of time. These guidelines vary greatly between mutual fund companies and individual funds. If you are considering transferring money, please check the prospectus of the fund you are transferring out of to determine if any fee will be charged.

Q:

How do I change my investment elections?

A:

You may change in your investment elections in two ways. The first option is to change your investment elections online in your account by choosing the Elections option. You will be able to enter in your new elections in the empty boxes. You will also be asked if you would like current balance to be reallocated amongst your new elections. Should you desire to do so, click yes. If you just want to change your elections, but leave your balance as is, click no.

Q:

What is the current interest rate on a loan?

A:

The interest rate on a loan can vary by plan. However, most plans utilize a prime+1 rate, which is currently 4.25%. At the time a loan is issued, the rate is fixed at the current rate for the life of that loan. Loan rates are reevaluated on a quarterly basis.

Q:

Is this interest on my loan paid to my account?

A:

Yes, the interest you pay on a loan is added to your account.