To achieve and maintain eligibility to participate in the Plan in any given month, an Employee must have accumulated at least 138 “credit hours” in any month to acquire eligibility three months from the first month the employee worked the 138 “credit hours”.

If you fail to meet the minimum Credit Hours within twelve months, any Credit Hours in the Credit Hours Bank that remain unused for twelve months from when they were earned, will be forfeited on the last day of the twelfth month following the month in which the Credit Horus were earned.