4 Yes, the Plan accepts rollover contributions from other qualified plans. This means that if you worked for an employer who had a 401(k) plan, 403(b) plan, or a 457(b) plan, and then you work for another employer that participates in this Plan, you may roll over your account from the prior employer’s plan. You may roll over all or a portion of an eligible rollover distribution that you receive from a qualified pension, profit sharing, 401(k), stock bonus plan, 403(b), or 457(b) plan. You may also roll over all or a portion of the amount you have in an Individual Retirement Account (IRA), provided the entire balance in the IRA was originally rolled over from a qualified pension, profit sharing, 401(k), stock bonus plan, 403(b) plan, or 457(b) plan. The amount you roll over will be placed in your individual account and will be accounted for separately. You may take a distribution of rollover contributions at any time. The minimum amount you may withdraw is the lesser of $500 or 100 percent of your rollover contribution. You will pay regular income taxes on the distribution, and you may be subject to an additional 10 percent tax penalty if it is received before you reach age 59½. The Plan may be required to withhold 20 percent for federal income taxes as well as a percentage for state income taxes where required. To make a rollover contribution, call 833-38-UNION (833-388-6466) or access the website at https://myplan. johnhancock.com/login. Will My Employer Make Non-Elective Employer Contributions or Employer Matching Contributions? Your employer will not make any employer contributions to the Plan unless employer contributions are required under its Collective Bargaining Agreement. You have no personal choice about whether or when such employer contributions are made. What Is an Individual Account? When you are automatically enrolled or elect to contribute to this Plan and your employer forwards your contributions to the Plan, the Plan will place them in an individual account. The amount that accumulates in your account, as valued according to the Plan, is the amount you are entitled to when you are eligible for benefits from the Plan. The value of your individual account is calculated each business day. When Am I Vested in My Individual Account? You are always vested in the full value of your individual account if contributions are properly made on your behalf. May I Make a Rol l over Contribution from Another Plan?