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Loans to Participants
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Upon completion of one full Plan year of service, Plan participants are eligible
to obtain a loan from the Plan.  Under the terms of the Plan, the loan amount
shall not exceed half of the participant's vested account balance.  The maximum
loan amount is $50,000 and the minimum loan amount is $1,000.  A member may not
have more than one loan outstanding at a time under the Plan, and a member is
limited to a maximum of one loan per year.  The term of the loan shall not
exceed five years for a regular loan and 10 years for a primary residence loan.
Interest accrues on the outstanding principal balance of the loan at the
trustee's prime rate at the date of origination plus 2 percent.

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