As described in [Section 5.2(a)], an account balance in excess of ​ shall not be immediately distributed without the consent of the participant. The participant shall receive the notice required under Regulation [[section 1.411(a)-11(c)])]])] no less than 30 days and no more than 180 days before the annuity starting date with respect to the distribution. The written explanation shall include a description of the consequences of failing to defer receipt of the distribution. For any distribution in excess of ​, the plan administrator shall give the participant notice of his eligible rollover distribution rights. The participant shall receive such notice in the same time period as the 411 notice is required to be provided. If a distribution is one to which Code sections 401(a)(11) and 417 do not apply, such distribution may commence less than 30 days after the 411 notice is given, provided that:

As described in [Section 5.2(a)], an account balance in excess of ​ shall not be immediately distributed without the consent of the participant. The participant shall receive the notice required under Regulation [[section 1.411(a)-11(c)])]])] no less than 30 days and no more than 180 days before the annuity starting date with respect to the distribution. The written explanation shall include a description of the consequences of failing to defer receipt of the distribution. For any distribution in excess of ​, the plan administrator shall give the participant notice of his eligible rollover distribution rights. The participant shall receive such notice in the same time period as the 411 notice is required to be provided. If a distribution is one to which Code sections 401(a)(11) and 417 do not apply, such distribution may commence less than 30 days after the 411 notice is given, provided that:

AsRestrictions on Immediate Distributions – If the value of a participant's vested account balance derived from employer and employee contributions exceeds ​ and the account balance is immediately distributable, the participant (or where the participant has died, the participant's spouse) must consent to any distribution of such account balance. For the purpose of determining the value of a participant's vested account balance, prior distributions shall be disregarded if distributions have not commenced under an optional form of payment described in [Section 5.2(a)], an account balance in excess of ​ shall not be immediately distributed without the4.3]. The consent of the participant.participant (or the participant's surviving spouse) shall be obtained in writing within the 180‑day period ending on the annuity starting date. The annuity starting date is the first day of the first period for which an amount is paid in any form. The plan administrator shall notify the participant shall receive(or the noticeparticipant's surviving spouse) of the right to defer any distribution until the participant's account balance is no longer immediately distributable and the consequences of failing to defer any distribution, as required underby Regulation [[section 1.411(417(a)(3)-11(c)1]1]])]])]1]. Such notification shall include a general description of the material features, and an explanation of the relative values of, the optional forms of benefit available under the plan in a manner that would satisfy the notice requirements of Code section 417(a)(3), and a description of the consequences of failing to defer any distribution, and shall be provided no less than 30 days and no more than 180 days beforeprior to the annuity starting date with respect todate. However, distribution may commence less than 30 days after the distribution. The written explanation shall include a description of the consequences of failing to defer receipt of the distribution. For any distribution in excess of ​, the plan administrator shall give the participant notice of his eligible rollover distribution rights. The participant shall receive such noticedescribed in the same time period aspreceding sentence is given, provided the 411 notice is required to be provided. If a distribution is one to which Code sections 401(a)(11) and 417 do not apply, such distribution may commence less thanthe plan administrator clearly informs the participant that the participant has a right to a period of at least 30 days after receiving the 411 notice is given, provided that:to consider the decision of whether or not to elect a distribution (and, if applicable, a particular distribution option), and the participant, after receiving the notice, affirmatively elects a distribution.