1. How can I access my annuity funds? Answer: You are able to take a withdrawal from your annuity upon 1) retirement, 2) six-consecutive months with no hours reported by a contributing contractor, 3) disability or 4) death.

2. Who do I call to access my annuity funds? Answer: You must first phone the Fund Office (708-449-7373 ext 2) to make a determination if you are eligible to access your annuity account balance. The Fund Office will then notify Fidelity Investments of your eligibility by changing your status code; and then you will need to call Fidelity Investments for distribution forms.
   
   
3. Can I come into the Fund Office for distribution forms? Answer: No, the Fund Office cannot provide you with distribution forms. Fidelity Investments will mail or fax you these forms based on your (by phone) distribution request.
   
   
4. What do I do once I receive the distribution paperwork? Answer: Verify that the information prefilled on the paperwork matches your by phone request. The form must be signed and dated by the participant. If you are married, your spouse must also sign the withdrawal form and have her signature witnessed by a Notary Public. Once completed the original, three page, preprinted Withdrawal Form must be forwarded to the Fund Office at 4530 Roosevelt Road, Hillside, Illinois 60162.
   
   
5. When will I receive my withdrawal check? Answer: Unless you have requested your funds mailed in another form other than by the United States Postal Service, you should receive your check within 7 to 10 days from the date the Fund Office receives your completed withdrawal forms.
   
   
6. Will my distribution be taxed? Answer: Unless you have requested a Rollover to another qualified plan or to an IRA, the entire gross distribution will be subject to a 20% mandatory withholding of Federal Income Tax.
   
   
7. Is there any other penalty? Answer: A portion of your distribution may also be subject to a 10% early withdrawal penalty under the Internal Revenue Code for withdrawals taken prior to the age 59 ½ . Therefore, you may want to consult with a professional tax advisor before you take payment of your benefits from the Plan.
   
   
8. Can I take a withdrawal upon reaching the age of 59 ½? Answer: You can only take a distribution if you meet the requirements mentioned in question number 1 above. If you do meet the eligibility requirements, you would still be subject to the 20% mandatory withholding of Federal Income Tax, unless your distribution is in the form of a rollover.
   
   
9. How can I find out my current annuity account balance? Answer: Your annuity Plan with Fidelity offers you easy access through the NetBenefits online account service by connecting by computer virtually 24 hours a day at http://netbenefits.fidelity.com, or by connecting by phone by calling the Fidelity Retirement Services Center at 1-866-84UNION (1-866-848-6466).
   
   
10. What do I need to do to access my account with Fidelity Investments by computer or by phone? Answer: Before you can access your account, you must establish a personal identification number (PIN). Your PIN number must be entered before you can access account specific information via the Internet or via the automated telephone service. Your PIN must be six to twelve digits in length. It cannot be your Social Security Number or date of birth, and it cannot be a sequential number (e.g. 123456) or repeating numbers (333333). In addition, you will need the following information to establish or reset your PIN: 1) Your date of birth; 2) Your Zip Code; 3) Your mother’s maiden name.