Page 18 - HEPACO 401(k) Summary Plan Description

If any amount remains unpaid for more than 90 days after due the loan shall be in default.
Upon default the entire principal balance and interest shall become immediately due and
payable. The amount of the outstanding loan will be treated as a distribution and will be
taxable to you. To recover the amount due, the plan may use any part of your vested
account available for distribution to you.

Processing fees, late charges or extra costs incurred by the plan if you default on a loan
will be charged to your account.

However, no default will occur if payments are not made while you are actively serving in
the military or for a period up to one year during an approved unpaid leave of absence,
other than military leave. The plan administrator has established guidelines for making up
these past payments after you return to work following such period of active military
service or approved unpaid leave of absence.

Sixty days after you stop working for us and are not a party-in-interest, the balance of any
outstanding loan is due.

The balance of any outstanding loan is due 60 days after the plan terminates.

You may request a loan by calling the TeleTouch® toll-free number (see Part 7), logging
on to www.principal.com (if available), or contacting the loan administrator for instructions.

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