Associate Hand Book

The Endeavor To develop into the depths of ones being And discover the infinite Potential within The ability to translate that energy Into a life force That is tangible Through creative expression At IACG We believe in the potential Of our People It is our ndeavor To draw fro! those depths the essence of individuality To nurture talent and blend together The perfect tea! Of co!!itted Individuals In the pursuit of xcellence

Table of Contents "#$ "#" "#) "#0 "#2 "#3 "#4 "#5 Chair!ans %ote Purpose of the Associate &and 'oo( Co!pany Goal* +ision* ,ission* +alues* -trategy* Ob.ectives* Philosophy What you can expect 1ro! IACG What IACG expects fro! you Co!pany Profile / &istory Introduction to Policies and Procedures Ter!s and Conditions of the !ploy!ent "#5#" "#5#) "#5#0 "#8# 6oining 1or!alities Wor(ing &ours 7ress Code nviron!ent / ,anage!ent

Associate 'enefits "#8#" "#8#) "#8#0 "#8#2 "#8#3 "#8#4 "#8#5 Overview &olidays 9eaves ,edical Insurance Personnel Accident Policy Provident 1und Cafeteria

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Other benefits "#:#" "#:#) "#:#0 "#:#2 "#:#3 "#:#4 9oans and Advances ;ecreation Club Transportation IACG Celebrations ducation and Training Co!pany Annual Party or Outing

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Associate Polices )#" )#) <ual !ploy!ent Opportunity Open 7oor Policy

)#0 )#2 )#3 )#4 )#5 )#8 )#: )#"$ 0#$

-exual and Other &arass!ent -afety and &ealth -ecurity -olicitations* Collections and Petitions -!o(ing -ubstance use and Abuse lectronic ,edia 'asic Policy = %otice !ploy!ent of ;elatives

!ploy!ent Guidelines 0#" 0#) 0#0 0#2 0#3 0#4 0#5 0#8 0#: 0#"$ !ploy!ent ;elationship !ploy!ent -tatus Probationary Period Personnel ;ecord >eeping Pay 7ay Perfor!ance valuation ;esignations and Ter!ination -tandards of Conduct Co!peting with the Co!pany Associate 7iscipline and ;eferences

2#$

Associate &andboo( receipt and ac(nowledg!ent

CHAIRMAN NOTE Dear Associates, Welco e to IAC!" We are excited to have you as part of our progressive tea!# We shall afford youre the opportunity to gain expertise in our Organi?ation* develop professional s(ills and enrich your professional career# The develop!ent of a (nowledgeable and professional staff has been vital to the success of the Co!pany# It is the Co!panys ob.ective to be an Organi?ation where Associates at all levels have appropriate responsibilities and accountability# IACG is co!!itted to distinctive <uality and unparalleled custo!er service in all aspects of our business# As part of the tea!* you will discover that the pursuit of excellence is truly a rewarding aspect of your career with IACG# As a tea! !e!ber* you !ust @own@ the results of your productivity# This Associate handboo( contains the (ey policies* goals* benefits* and expectations of IACG and other infor!ation you will need as part of our tea!# The success of IACG is deter!ined by our success in operating as a unified tea!# We have to earn the trust and respect of our students = clients every day in order that the students = clients !a(e the decision to choose our services# The pri!ary goal at IACG* and yours* is to live our !ission state!ent and continue to be an Industry 9eader# We achieve this through dedicated hard wor( and co!!it!ent fro! every Associate# It is the desire of IACGAs !anage!ent* fro! top to botto!* to have every Associate succeed in his or her .ob* and assist in achieving our goals# Bou should use this handboo( as a ready reference as you pursue your career with IACG# At IACG* we strive to recogni?e the contributions of all Associates# Welco!e aboard# We loo( forward to your contribution and wish you success here at IACG# #incerel$, Chair an

%&R%O#E O' THE A##OCIATE HAND BOO( This Associate &and 'oo( has been prepared to infor! you about IACG &istory* philosophy* e!ploy!ent practices* policies and procedures# -o!e of the benefits provided to you as a valued Associates and conduct expected fro! you are also discussed# Associate &and 'oo( cannot answer every <uestion* nor would we want to restrict he nor!al <uestion answer interchange a!ong us# &owever* it is in our person C toD person conversations that we can better (now each other* express our views* and wor( together in a har!onious relationship# We hope this &and 'oo(* along with other relevant docu!ents* will help you feel co!fortable with IACG# We de)end on $o* + $o*r s*ccess is IAC! #*ccess Please dont hesitate to as( <uestions either through personally or through !ail# IACG ,anage!ent will gladly answer the!# We believe you will en.oy your wor( and your fellow Associates here# We also believe you will find IACG a great place to wor(# We re<uest you to read this &and 'oo( carefully* and refer to the! whenever <uestion arises# IACG philosophy* policies* benefits and procedures as explained in this &and 'oo( or other relevant docu!ents !ay be changed fro! ti!e C to C ti!e as business* e!ploy!ent legislation* and econo!ic conditions dictate# If and when provisions are changes* you will be given replace!ent pages for those that have beco!e outdated# A copy will also be placed on our bulleting boards# IAC! , !oal Our goal at IACG is si!ple DD extraordinary custo!er service as we provide our custo!erAs needs in the personal service industry# We acco!plish this by ta(ing over the tas(s* which interfere with an en.oyable* leisurely lifestyleE and by partnering with organi?ations who have the finest reputations for <uality# FOur goals are acco!plished by a co!!it!ent fro! every Associate# F IAC! , -ision 'uilding synergic relationship between business and technology to give a co!petitive !atured -oftware 7evelop!ent Processes that Confor! to the highest Industry -tandards# IAC! , Mission FTo e!erge as a global giant in our chosen field by providing* F CostDeffective solutions 1uture proof Technologies Tailor !ade solutions Cutting edge technologies Offering co!plete custo!er satisfaction by exceeding their expectations dge through

IAC! , -al*es 'elief in People ntrepreneurship -tudents = Custo!er Orientation Pursuit of xcellence IAC! , #trate.$ -tudents = Clients Inti!acy Co!petency nhance!ent Globalisation Creating a strong brand

Ob/ectives The achieve!ents of IACG are the result of the co!bined efforts of each individual at IACG wor(ing towards co!!on ob.ectives# These ob.ectives should be realistic* should be clearly understood by everyone in IACG and should reflect the Organi?ations basic character and personality# %rofit To achieve sufficient profit to finance our co!pany growth and to provide the resources we need to achieve our other corporate ob.ectives# C*sto ers To provide education and services of the highest <uality and the greatest possible value to our students = custo!ers* thereby gaining and holding their respect and loyalty 'ields of Interest To participate in those fields of interest that build upon our technologies* co!petencies and custo!er interests that offer opportunities for continuing growth* and that enable us to !a(e a needed and profitable contribution# !ro0th To let our growth be li!ited only by our profits and our ability to develop and produce innovative !ethodologies that satisfies real student = custo!er needs# IAC! Associates To help IACG Associates share in the Co!panys success which they !a(e possibleE to provide the! e!ploy!ent security based on perfor!anceE to create with the! an in.uryDfree* pleasant and inclusive wor( environ!ent that values their diversity and recogni?es individual contributionsE and to e!power the! gain a sense of satisfaction and acco!plish!ent fro! their wor(# IAC! Mana.e ent To foster leadership* !otivation* initiative* creativity* involve!ent by allowing the Associate great freedo! of action to attain well C defined ob.ectives# Citi1enshi) To honor our obligations to society by being an econo!ic* intellectual and social asset to each nation and each co!!unity in which we operate# IAC! Environ ent The i!ple!entation of the ,ission* +alues and Ob.ectives shall have the following operating nviron!ent (nown as Wor( / Play environ!ent# &igh C Integrity / Positive attitude of all individuals is the highest priority Good hu!an relations* tea! play / fun and professional wor(ing environ!ent Growth achieve!ents through highly creative* !otivated* s!art and hardwor(ing people# -ubstantially reward deserving people beyond their i!agination or expectation# ,axi!i?e &u!an Creativity by auto!ating activities through !ethodologies# Mana.e ent %hiloso)h$ The philosophy of the Co!pany is to be productive in a creative and healthy wor(ing environ!ent while having a lot of fun* and get rewarded substantially to achieve freedo! of choice and pursuit of happiness# What $o* can e2)ect fro IAC! IAC!3s establish Associate relations3 )olic$ is to4 Operate an econo!ically successful business so that a consistent level of steady wor( is available# -elect people on the basis of s(ill* training* ability* attitude and character without discri!ination with regard to age* sex* color* race* creed* and national origin* religious persuasion* !artial status* political belief* or disability that does not prohibit perfor!ance of essential .ob functions# Pay all Associates according to their effort and contribution to the success of our business# ;eview wages* Associate benefits and wor(ing conditions constantly with the ob.ective of providing !axi!u! benefits in these areas* consistent with sound business practices# Provide eligible Associates with !edical* disability* retire!ent and other benefits#

7edicate ourselves to process consistent with the Industry -tandards / ,ethodologies# 7evelop co!petent people who understand and !eet our ob.ectives* and who accept with open !inds ideas* suggestions and constructive criticis!s of fellow Associates# Assure Associates and open door policy and opportunity to discuss any proble! with IACG ,anage!ent# ,a(e pro!pt and fair ad.ust!ent of any co!plaints* which !ay arise in the everyday conduct of business* to the extent that* is practicable# ;espect individual rights* and treat all Associates with courtesy and consideration# ,aintain !utual respect in wor(ing relationship# Provide buildings and offices that are attractive* co!fortable* orderly and safe# Pro!ote Associates on the basis of their ability and !erit# >eep all Associates infor!ed of the progress of IACG* as well as the Co!panys overall ai!s and ob.ectives# 7o all these things in a spirit of friendliness and cooperation so that IACG will continue to be (nown as FA Great Place to Wor(GH

What IAC! e2)ects fro 5o* Bour first responsibility is to (now your duties and how to do the! pro!ptly* co!pletely* and pleasantly by paying considerable attention C to C detail# -econdly* you are expected to cooperate with !anage!ent and your fellow Associates and !aintain a good tea! attitude# &ow you interact with fellow Associates and those who! IACG serves* and how your accept direction can affect the success of your depart!ent# In turn* the perfor!ance of one depart!ent can i!pact the entire service offered by IACG# Conse<uently* whatever !ay be your position* you have an i!portant assign!entI perfor! every tas( to the very best of your ability# The result will be better perfor!ance for the Co!pany overall and personal satisfaction for you# Bou are encouraged to grasp opportunities for personal develop!ent that are offered to you# This ,anual offers insight on how you can positively perfor! to the best of your ability to !eet and exceed IACG expectations# We strongly believe you should have the right to !a(e your own choices in !attes that concern and control of your life# We believe in direct access to ,anage!ent# We are dedicated to !a(ing IACG where you can approach your ,anager* or any !e!ber of ,anage!ent* to discuss any proble! or <uestion# We expect you to voice your opinions and contribute your suggestions to i!prove the <uality of IACG# Were all hu!an* so please co!!unicate with each other and with !anage!ent# ;e!e!ber that you help crate the Wor( / Play environ!ent* which are healthful* pleasant and safe wor(ing conditions that IACG intends for you# Bour dignity and that of fellow Associates* as well as that of our custo!ers is I!portant# IACG needs your help in !a(ing each wor(ing day en.oyable and rewarding# COM%AN5 %RO'I6E The Co!pany is head<uartered in 1ounded Corporate &ead Juarters Chair!an of the 'oard Additional offices -ervices Wor( 1orce )$$0D)$$2 ;evenues

I I I I I I I I

Histor$ IACG started in K## in response to the overwor(ed professional wor(force who had !ore obligations than ti!e# We ease the professional burden by the perfor!ance of duties which ta(e ti!e away fro! leisure ti!eDor interferes with wor( D leaving ti!e for the real i!portant things in their lives# In KK* we strea!lined and !agnified our custo!er service goals in order to ensure that each custo!erAs uni<ue needs were !et and re<uired all outside vendors to pass a ten point <uality and service inspection test# The head<uarters are located in 7allas* Texas and includes senior !anage!ent* !ar(eting* finance and hu!an resources# Outlying offices house service representatives to serve custo!ers locally# IACG Associates* partners in our success* vigorously uphold our !ission state!ent for every assign!ent# Our custo!ers have responded tre!endously and their support of our co!!it!ent has enabled IACG to extend our operations across the Globe# With the entire staff of IACG sharing our vision of distinctive <uality and unparalleled custo!er service* we are headed for greater success#

%olices and %roced*res Introd*ction The Policies and Procedures outlined in this handboo( are guidelines for all Associates# They are not intended to conger contractual rights of any (ind upon any Associate* or to create contractual obligations of any (ind for the Co!pany# Its i!portant for you to (now that the Co!pany !ay revise or delete any policy or procedure in this handboo( at any ti!e with or without notice to affected Associates# The policies contained in this handboo( supercede any verbal or written policies that have been distributed on behalf of IACG -oftware = or any other ac<uired Co!pany#

Ter s and Conditions of the E )lo$ ent 7oinin. 'or alities The process of .oining for!alities co!!ences on receipt by the &; 7epart!ent* of the ac(nowledg!ent fro! the Individual LAssociateM* along with tentative date of his = her .oining IACG# very Associate is re<uired to co!plete the following .oining for!alities with the help of the &; 7epart!ent# "M 6oining ;eport )M 7uly signed copy of the Appoint!ent letter as a to(en of acceptance of the Offer given by IACG# 0M IACG !ploy!ent Application 1or! 2M > ; A D 1or! 3M %on C 7isclosure Agree!ent 4M -ervice Agree!ent 5M P# 1 / Pension %o!ination 1or! 8M IT declaration for!at for T7- Calculations :M ;eceipt of the Associate &andboo( "$M Application for! to open 'an( A=c for the salary credit

'eside resu!e* there are !ore details about an individual* which will be reflected* in the individuals .oining report at the ti!e of entering the Organi?ation# The &; 7epart!ent of the Co!pany strives to !aintain a co!prehensive and up to date record for its Associates# The new Associate is also re<uired to sub!it "M Photocopies of all the education certificates )M Previous !ploy!ent xperience 9etter* ;elieving 9etter and Pay -lip 0M Copy of the passport 2M Other relevant docu!ents as necessary 3M 4 C passport si?e photographs

Workin. Ho*rs Punctuality and regular attendance are essential to the successful operation of Co!pany business# ach Associate has the responsibility of !a(ing sure he = she gets to wor( when scheduled and on ti!e# This helps establish a good wor(ing reputation# The Co!pany standard wor(wee( for all the Associates consists of 1ortyD Two and &alf &ours* 8 "=) &ours each day for five consecutive days between ,onday and 1riday# According to the Co!pany Policy* all the Associates should wor( for a !ini!u! of 8 "=) &ours per day with lunch and Tea brea( ta(en between :#0$ A, and 4#$$ P,# 'ecause of the differences in .ob re<uire!ents a!ong depart!ents* the re<uired nu!ber of hours !ay vary fro! .ob to .ob and depart!ent# Associates are expected to start wor( at :#0$ A,# &owever* there is a grace period of 0$ !inutes to start wor(# If an Associate ta(es advantage of the grace period and co!es to wor( at "$#$$ A,* then the Associate is responsible to stay late till 4#0$ P, 6*nch Break 9unchti!e is being fixed for half C an C hour duration only and the sa!e can be availed between $"#$$ P, to $"#0$ P,# %lease *nderstand that $o* a$ not 80ork thro*.h l*nch9 in order to arrive later or to leave earl$ or to 0ork e2tra ti e: Bou are expected to ta(e your full C allotted ti!e Lusually 0$ !inutesM for lunch# Bou are re<uested not to perfor! any wor( during your regularly scheduled lunch period* unless specifically re<uested to do so by your !anager# In that event* your lunch will be rescheduled# Bou !ay leave the pre!ises during your lunch periodE however* you !ust chec( C in and chec( out in the !ove!ent register# It is i!portant to return to wor( on ti!e at the end of your lunch period# Relief Breaks ; Rest %eriods Bou are entitled for two L)M fifteen L"3M tea brea(s each day# %or!ally these brea(s will be scheduled in !id C !orning and !id C afternoon# These brea(s will be granted at the discretion of the supervisor to allow for the coverage of essential areas# These brea(s !ay be used to have coffee = tea* going to the rest roo! or lounge but it is not intended that Associates will leave the pre!ises# Always be sure to return to wor( on ti!e at the end of any brea(#

To s* ari1e4 Office Wor(ing hours ,orning 'rea( 9unch 'rea( vening 'rea(

I$:#0$ A, D $4#$$ P, L,onday to 1ridayM I""#$$ A, D ""#"3 A, I$"#$$ P, D $"#0$ P, I$2#$$ P, D $2#"3 P,

Dress Code The Co!pany expects its Associates to use good .udg!ent regarding appropriate dress for their wor( site# Those Associates who are in offices are expected to present a professional appearance at all ti!es# The Co!pany has adopted a policy of business casual dressing for all of its Associates# The Co!pany is interested in pro!oting as well as co!fort on the 6obI however* !aintaining an i!age of <uality and professionalis! is e<ual i!portance to preserve our professional i!age# All Associates are expected to adhere to the stipulated dress code# All !en Associates shall wear for!al wor(ing dress with leather shoes on all days except on wee(ends when casuals !ay be worn#

All fe!ale Associates shall wear wor(ing for!al Indian dress li(e -arees / -alwar >ha!ee? or Western for!al pantsuits or dresses

Associate Benefits In addition to receiving an e<uitable salary and having an e<ual opportunity for professional develop!ent and advance!ent* you !ay be eligible to en.oy other benefits* which will enhance your growth and .ob satisfaction# We are certain that you will agree that the benefits progra! described in this &and 'oo( represents a very large invest!ent and co!!it!ent by IACG* and we trust that you will avoid abusing any of the progra!s benefits# A good benefits progra! is a solid invest!ent in IACG and its Associates# It not only insures the loyalty of longDti!e capable AssociatesE it also helps to attract talented newco!ers who can help IACG grow# IACG will periodically review the benefits progra! and will !a(e !odifications as appropriate to the Co!panys condition# Eli.ibilit$ for Benefits If you are a full C ti!e Associate* you will en.oy all of the benefits described in this &and 'oo( as soon as you !eet the eligibility re<uire!ents for each particular benefit#

Holida$s All Associates of the Co!pany are eligible to be paid for ti!e off for officially recogni?ed holidays# The Co!pany recogni?es the following as official &olidays# Pongal ;epublic 7ay 'a(rid -ivaratri &oli ,ohra! ;a!nava!i Good 1riday Idependenceday Ganesh Chaturthi ,ahat!a Gandhi 'irth day +i.aya 7asha!i 7iwali IdD ul C 1itr Christ!as 7ay

We schedule all national holidays on the day designated by co!!on business practice# In order to <ualify for holiday pay* you !ust wor( the scheduled wor(day i!!ediately before and after the holiday# Only excused absences will be considered exceptions to this policy# Bou are not eligible to receive holiday pay when you are on a leave of absence#

6eaves ach Associate is eligible for ":#:) leaves per annu!# 1or all the eligible Associates* leave crediting would be done every !onth* proportionately for the services they have co!pleted in the Co!pany with respect to the previous calendar !onth# 1or calculation purposes* any service of "3 days or !ore in a calendar !onth will be treated as one !onth of co!pleted service# The entire leave <uantu! is categori?ed* as NPaid 9eave i#e# there is no category of casual leave= sic( leave= Privilege 9eave# Intervening &olidays or wee(ly offs during the leave period will not be included as leave for calculation of leave availed# Any wee(ends=intervening holidays that is falling between two loss of pay L9OPM days that are not paid for* would beco!e part of the 9OP# The leave can be availed for any absence for a day in full or half* or in !ultiples of the sa!e# Additional 6eaves4 <:= Maternit$ 6eave 9ady Associates who are pregnant are eligible for !aternity leave for a total period of :$ days* overlapping with the delivery date# These :$ days are inclusive of intervening wee(ly offs and holidays# <:< %aternit$ 6eave A !ale Associate* on beco!ing a father would be eligible for a Paternity 9eave of 0 days* overlapping with the delivery period# -uch leave shall be continues# Bereave ent 6eave The facility of additional leave for a period of 3 wor(ing days is provided to the Associates in the event of any bereave!ent of an i!!ediate fa!ily !e!ber# I!!ediate fa!ily for the purposes of this policy covers -pouse and children of self# Additional leave cannot be accu!ulated or encashed# This can be availed in full or part within ) !onths of bereave!ent# Co )ensator$ 6eave ; Co )ensator$ Off At ti!es* Associates !ay be expected to wor( on a holiday# A co!pensatory leave would be provided in lieu of the sa!e# This Co!pensatory off should be availed in consultation with the reporting !anager# An Associate can carry forward co!pensatory off to a !axi!u! of 0 leaves per year# Otili?ation of Co!pensatory leave beyond 4 !onths can be approved by Associates i!!ediate supervisor# It will be the responsibility of the Associates to !aintain and (eep a record of co!pensatory leaves generated and utili?ed and get it approved by the reporting ,anager#

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Co!pensatory off cannot be accu!ulated or enchased# These additional leaves are over and above all other leaves that are afore entioned: 6eave Ad inistration %rocess4 9eave can be availed only with the written approval of the reporting !anager# Prior to proceeding on leave* Associate shall apply for leave in writing and obtain the approval of the reporting !anager# The for!at of the leave application for! can be found in the Co!panys Intranet# &owever* in cases of e!ergency wherein the Associate is unable to co!ply with the above* infor!ation should reach the reporting !anager within 8 hours of absence# The Associate should apply for leave in the prescribed !anner within )2 hours of resu!ing the duties# Any unauthori?ed absence exceeding ) LtwoM days would be construed as Nabsconding and the !anage!ent reserves its right to initiate necessary action including the ter!ination of e!ploy!ent# All Associates are e2)ected to aintain an *)dated leave card:

!eneral The entire period fro! the date of .oining will be considered for calculation of leave for Trainees = Probationers after their confir!ation# Ta(ing leave in excess of eligibility is a dis<ualification for !erit awards* even if the Associates perfor!ance is exceptional#

Medical Ins*rance

To be disc*ssed 0ith the Mana.e ent: %ersonnel Accident %olic$ To be disc*ssed 0ith the Mana.e ent:

%rovident '*nd The !anage!ent is pleased to introduce the Provident 1und LP#1M sche!e for its Associates# All full ti!e Associates are covered under this sche!e# ach Associate will be given a P#1 Account %o# Contrib*tions4

A ceiling of ;s#58$=D LP ;s#43$$ =D as basicM for the Associates whose gross salary is !ore than ;s#"3* $$$=D and for the Associates whose gross salary is e<ual to ;s#"3* $$$ =D or below than this* ") Q of the basic has been ta(en as P1 contribution# Table of Benefits T$)e of 6oan ,arriage aM -elf bM 7ependents Eli.ibilit$ Co!pletion of 5 L-evenM years of ,e!bership# Can ta(e for not !ore than 0 LThreeM ti!es# Re@*ire ent nclose the !arriage invitation card Prescribed 9oan for!#

Illness aM -elf bM 7ependents

Co!pletion of 0LThreeM Bears !e!bership# &ospitali?ation for not less than one !onth# ,a.or -urgical Operation Chronic Ter!inal illness# Co!pletion of 3 L1iveM years of ,e!bership

-hould not be covered under -I nclosed 7octor Certificate Prescribed 9oan 1or!#

&ousing

%on ncu!brance Certificate -ale deed Per!ission for construction fro! appropriate authority Prescribed 9oan 1or! ;elevant certificates =docu!ents Prescribed 9oan 1or!

ducation aM bM nts -elf 7epende Co!pletion of 5L-evenM Bears of ,e!bership

Relevant 'or s to be filled b$ the Associates to avail this %:' benefit Declaration 'or The Associate has to fill in a for! of declaration and sub!it it to &; 7epart!ent at the ti!e of .oining# In the declaration* the Associate has to give the na!e of his = her no!inee# &e can give !ore than one no!inee but needs to !ention the percentage to be given to each no!inee# If the !e!ber has a fa!ily* any no!ination !ade by such !e!ber in favor of a person not belonging to his = her fa!ily shall be invalid# If at the ti!e of no!ination the !e!ber is not !arried then after* !arriage the for!er no!ination beco!es invalid# To change the no!ination* the Associate needs to co!plete and sub!it 1or! no# 8# Transfer 'or If the Associate is already a !e!ber of the P#1 by virtue of this = her previous e!ploy!ent* he = she !ay fill in a P#1 transfer for! %o#"0 to continue his = her present P#1 contributions in the sa!e account#

Withdra0al "M )M 0M 2M 3M Associates P#1 accu!ulation are payable to hi! = her on ;etire!ent* ;esignation or 7ischarge fro! the -ervice ,igration fro! India ,ass ;etrench!ent In case of death of the Associate* the accu!ulations of the deceased !e!ber are payable to this wife# In the absence of wife it is payable to the no!inee are to the fa!ily !e!ber

%roced*re of 0ithdra0al If the Associate wishes to withdrawal his = her a!ount* he !ust fill in 1or! %o "$#' and 1or! %o# ": after two !onths of getting relieved fro! his = her duties# The pay!ent !ay be !ade either by account payee chec( or by !oney order# Conversation %rivile.e At your exit interview or upon dis!issal* you will learn how you can continue your insurance and any other benefits your currently en.oy as an Associate who is eligible for continuation#

Cafeteria