14. HOW DO I APPLY FOR A DISTRIBUTION?

You must contact the Administrative Office for an application.  When you receive the Application, review it carefully.  You will be required to make an election regarding the date you wish your distribution to become effective.  Your three choices are to receive an immediate distribution of the account with final payment to be issued subsequently after all contributions are received, to wait until after the next quarterly valuation with the understanding that waiting could result in a decrease in your account due to investment returns and payment of expenses and finally, you may wait until all contributions have been received by the Plan on your behalf subject to the same understanding regarding investment returns and plan expenses.