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37 <br />contained in the Plan’s adopted QDRO Procedures. After review of a DRO, Plan Sponsor Directs <br />Empower to prepare and distribute approval, pre -approval or denial letters to the involved parties and <br />attorneys. Plan Sponsor Directs Empower to maintain QDRO records during the term of service, <br />including Pre -Approval, Approval and/or rejection letter(s). <br />7.1.8.2 Determination : Plan Sponsor Directs Empower to pr ocess the QDRO, <br />without Plan Sponsor’s further approval, by establishing a separate account for the alternate payee <br />or making a lump sum distribution to the alternate payee. Plan Sponsor further Directs Empower to <br />process, without Plan Sponsor’s further ap proval, all requests, received in good order and in a manner <br />acceptable to Empower, for distributions from alternate payee accounts established before or after <br />the Effective Date. Plan Sponsor Directs Empower to calculate any alternate payee’s QDRO amount <br />based solely on the Participant’s account records on Empower’s recordkeeping system. Plan Sponsor <br />further Directs Empower to process, without the Plan Sponsor’s further approval, distribution requests <br />received in good order and in a manner acceptable to Em power, with respect to alternate payee <br />accounts established before the Effective Date pursuant to QDROs previously processed by <br />Empower. The Plan Sponsor Directs Empower to calculate any alternate payee’s QDRO amount <br />based solely on the Participant’s accou nt records on Empower’s recordkeeping system. <br />7.1.8.3 If the alternate payee’s awarded share exceeds the value of the <br />Participant’s core investment account(s) under the Plan, Empower shall notify the Participant in writing to <br />liquidate and transfer the necessary remaining sum from the SDB into the core investment options, to <br />enable the processing of the QDRO. If the Participant fails to transfer the necessary amount within fifteen <br />15) Business Days of the date of the notification, and if the necessary amount is available in the SDB <br />money market, Plan Sponsor Directs Empower to transfer such amount into the Default Investment Option. <br />If there are insufficient available funds in the SDB money market, Plan Sponsor Directs Empower to notify <br />the SDB provider to liquidate all of the Participant’s SDB investments and to transfer the entire amount into <br />the Default Investment Option. <br />7.1.8.4 QDRO Fees. For each qualified and processed QDRO, the Participant’s <br />portion of the fee will be deducted from the Participant’s account balance, and the alternate payee’s portion <br />of the fee will be deducted from the alternate payee’s account or from the lump sum distribution, as <br />applicable. Empower will charge the following fee of: <br />To cover the cost of reviewing a DRO, Empower will deduct from the Participant’s and/or the alternate <br />payee’s account balance a one-time QDRO review and determination fee equal to $400.00. <br />7.2 Additional Service Fees. <br />Service Current Fee/Rate <br />Express Delivery Fees. Empower will assess an additional fee to the <br />Participant upon a Participant’s request for express delivery. <br />40.00 per <br />disbursement <br />ACH Special Handling Fee. Empower will assess an ACH special handling fee <br />to the Participant upon a Participant’s request for a disbursement via ACH. <br />15.00 per <br />disbursement