Stark Bank Group Enrollment Booklet

the Plan as well as for determining if the value of your account exceeds the threshold used to determine whether you must consent to a distribution.

You may withdraw the amounts in your "participant's rollover account" at any time.

The Administrator will inform you of the plans and IRAs from which you may make "rollover" contributions.

May I direct the investment of my account balance?

You will, subject to a procedure established by the Administrator (the "Participant Direction Procedures"), be able to direct the investment of all or a portion of your interest in the Plan. The Administrator will provide you with information on the investment choices available to you, the frequency with which you can change your investment choices and other information. To the extent you do not direct the investment of your Plan benefits, the Trustee will be responsible for the investment of all assets held by the Plan. In addition to the foregoing, when you have completed ten (10) Years of Service as a participant and have attained age fifty-five (55), you may have the right to direct the investment of a portion of your account attributable to Company Stock. The Administrator will advise you of any such rights. The Trustee of the Plan will vote all Company Stock held by it as a part of the Plan assets, provided that you or your beneficiary will be entitled to direct the Trustee as to the manner in which voting rights on shares of Company Stock which are allocated to your account are to be exercised (i) with respect to any corporate matter which involves the voting of such shares with respect to the approval or disapproval of any corporate merger or consolidation, recapitalization, reclassification, liquidation, dissolution, sale of substantially all assets of a trade or business, or such similar transaction, and (ii) with respect to all corporate matters if, at the time of the vote thereon, the Company Stock is a "registration-type" class of securities. If you do not timely exercise your right to vote Company Stock, the Trustee will vote such Company Stock. May I vote Company Stock held in my account?

What happens if a dividend is payable on Company Stock allocated to my account?

Cash dividends on Company Stock held in your account will, in the sole discretion of the Administrator, be:

(a)

Paid in cash directly to you or your beneficiaries.

(b) Paid to the Plan and distributed in cash to you or your beneficiaries not later than 90 days after the close of the Plan Year in which paid.

(c) Used to make payments on a loan to the Plan, the proceeds of which were used to acquire Company Stock with respect to which the cash dividend is paid.

(d)

Credited to your account when paid to the Plan.

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