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If you qualify for a hardship withdrawal, please fill out the following form and send to support@epitec.com where our Plan Administrator will sign and send over to ADP (adprs.eforms@adp.com). 

Hardships: You may withdraw money for financial hardship if you satisfy certain conditions. This hardship distribution is not in addition to your other benefits and will therefore reduce the value of the benefits you will receive at retirement. 

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(b) You have obtained all distributions, other than hardship distributions, and all nontaxable loans currently available under all plans that your Employer maintains; and

(c) If the hardship distribution is made from the Participant's Elective Deferral Account, that you will not make any salary deferrals for at least six (6) months after your receipt of the hardship distribution. If your salary deferrals are suspended, then your deferral election that was in place prior to the suspension will continue in effect after the suspension.

Limitations. : The following limitations apply to hardship distributions: - 

 The minimum amount you can request as a hardship distribution is $500.

 You must be employed with the Employer at the time of the hardship distribution.

Account restrictions. There are restrictions placed on hardship distributions which are made from certain accounts. These accounts are the ones set up to receive your salary deferral contributions and other Employer contributions which are used to satisfy special rules that apply to 401(k) plans. Generally, the only amounts that can be distributed to you on account of a hardship from these accounts are your salary deferrals. The earnings on your salary deferrals and special Employer contributions may not be distributed to you on account of a hardship. Ask the Administrator if you need further details.If you qualify for a hardship withdrawal, please fill out the following form and send to support@epitec.com where our Plan Administrator will sign and send over to ADP (adprs.eforms@adp.com).