§ 3. Withdrawal of employee contributions.

(a)

Unless otherwise specified in the Adoption Agreement, if a non-vested Participant's employment is terminated for any reason other than death, he shall request that his Employee Contributions plus interest, if any, be withdrawn.

(b)

Unless otherwise specified in the Adoption Agreement, if a vested Participant's employment is terminated for any reason other than death or Retirement, he may request that his Employee Contributions plus interest be withdrawn, unless he chooses to claim his vested benefit, in which case his Employee Contributions shall not be withdrawn.

(c)

Upon the Participant's termination, the Pension Committee shall provide notice to the Participant of his opportunity to withdraw his Employee Contributions, and the Participant shall have sixty (60) days after receipt of such notice to submit a request for withdrawal on an Applicable Form provided for that purpose. Failure to make such a request within this sixty (60) day period shall result in the forfeiture of a vested Participant's right to request withdrawal upon termination and shall result in forfeiture of a non-vested Participant's right to the accrual of further interest. Unless otherwise specified in the Adoption Agreement, upon withdrawal of Participant Contributions pursuant to this Section, the Participant shall forfeit for himself, his heirs and assigns all his rights, title, and interest in the Plan, except as provided in subsection (d) below. Employee Contributions shall be returned to the Participant within ninety (90) days of the receipt of the Participant's request. A Participant may not withdraw his Participant contributions as long as he remains in the employment of the Adopting Employer and he may not borrow against Employee Contributions at any time. A partial withdrawal of Employee Contributions is not permitted.

(d)

If a Participant withdraws his Employee Contributions in accordance with this Section, and if he later resumes employment with the Adopting Employer in an Eligible Employee class, then any service credit or benefit amount he forfeited by virtue of his withdrawal may be reinstated upon his reemployment with the Adopting Employer, provided: (1) he repays during said period of reemployment all amounts previously withdrawn plus interest at a rate determined by the Board, compounded annually from the date of return of contributions through the date of repayment; and (2) provided the amount due is paid in full in accordance with any time limits and other requirements established by the Board for repayment of said Employee Contributions.