Exhibit 4
AMENDMENT I TO THE
AFL-CIO HOUSING INVESTMENT TRUST
401(K) RETIREMENT PLAN
THIS AGREEMENT is hereby made and entered into this 1st day of November, 1999
by AFL-CIO Housing Investment Trust (hereby referred to as the "Employer") and
▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇,
and ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ (hereby referred to as Trustees);
WHEREAS, the AFL-CIO Housing Investment Trust 401(k) Retirement Plan was
established October 1, 1996, and
WHEREAS, the Corporation wishes to make a change in Trustees of the AFL-
CIO Housing Investment Trust 401(k) Retirement Plan;
IN ACCORDANCE with Article 7.1 Trustee Appointment, Resignation, Removal
and Succession, effective immediately, former Trustee, ElChino ▇. ▇▇▇▇▇▇ will
be replaced by ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇,
▇▇▇▇ ▇. ▇▇▇▇▇▇, and ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇ will continue in their capacity as
Plan Trustees. A majority of the individually named Plan Trustees can
communicate instructions on behalf of the Plan and will be considered
representing all of the Plan Trustees collectively for such action per Plan
Article 7.9(g).
IN WITNESS WHEREOF, this Amendment has been executed at Washington, D.C. on
this 1st day of November, 1999.
AFL-CIO HOUSING INVESTMENT TRUST
By:
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ATTEST:
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TRUSTEES:
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▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇.
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
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▇▇▇▇ ▇. ▇▇▇▇▇▇
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Exhibit 5
AMENDMENT II TO THE
AFL-CIO HOUSING INVESTMENT TRUST
401(K) RETIREMENT PLAN
THIS AGREEMENT is hereby made and entered into this 15th day of February, 2000
by AFL-CIO Housing Investment Trust (hereby referred to as the "Employer") and
▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇,
and ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ (hereby referred to as Trustees);
WHEREAS, the AFL-CIO Housing Investment Trust 401(k) Retirement Plan was
established October 1, 1996, and
WHEREAS, the Corporation wishes to amend the AFL-CIO Housing Investment
Trust 401(k) Retirement Plan relative to Plan loan repayments;
THEREFORE, we are amending Plan Section 7.14(h) by deleting the existing
paragraph 7.14(h) and replacing it with the following wording:
7.14 (h) Immediate Repayment: A Participant's loan will become
immediately due and payable if the Participant fails to make principal
and/or loan interest payments for two (2) successive calendar quarters.
Also, the Participant's loan will become immediately due and payable upon
the Participant's termination of employment with AFL-CIO Housing
Investment Trust or Building Investment Trust Corporation. In either
event, the Administrator will reduce the Participant's vested aggregate
account by the remaining principal and interest of the loan, and such
amount will constitute a distributable event to the extent of reduction
under the Plan. If the Participant's vested aggregate account is less
than the amount due, the Administrator will take whatever steps necessary
to collect the balance due.
IN WITNESS WHEREOF, this Amendment has been executed at Washington, D.C. on
this 15th day of February, 2000.
AFL-CIO HOUSING INVESTMENT TRUST
By:
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ATTEST:
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TRUSTEES:
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▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇.
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
-----------------------------------
▇▇▇▇ ▇. ▇▇▇▇▇▇
-----------------------------------
▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Exhibit 6
AMENDMENT III TO THE
AFL-CIO HOUSING INVESTMENT TRUST
401(K) RETIREMENT PLAN
THIS AGREEMENT is hereby made and entered into this 7th day of April, 2000 by
AFL-CIO Housing Investment Trust (hereby referred to as the "Employer") and
▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇, and ▇▇▇▇▇ ▇.
▇▇▇▇▇▇▇▇ (hereby referred to as Trustees);
WHEREAS, the AFL-CIO Housing Investment Trust 401(k) Retirement Plan was
established October 1, 1996, and
WHEREAS, the Corporation wishes to make a change in Trustees of the AFL-
CIO Housing Investment Trust 401(k) Retirement Plan;
IN ACCORDANCE with Article 7.1 Trustee Appointment, Resignation, Removal
and Succession, ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ is removed as Trustee effective this date
with his resignation and will be replaced by ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇. ▇▇▇▇▇▇ ▇.
▇▇▇▇▇, ▇▇., ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇. ▇▇▇▇▇▇, and ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇ will
continue in their capacity as Plan Trustees. A majority of the individually
named Plan Trustees can communicate instructions on behalf of the Plan and
will be considered representing all of the Plan Trustees collectively for such
action per Plan Article 7.9(g).
IN WITNESS WHEREOF, this Amendment has been executed at Washington, D.C. on
this 7th day of April, 2000.
AFL-CIO HOUSING INVESTMENT TRUST
By:
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ATTEST:
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TRUSTEES:
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▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇.
-----------------------------------
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
-----------------------------------
▇▇▇▇ ▇. ▇▇▇▇▇▇
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▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Exhibit 7
AMENDMENT IV TO THE
AFL-CIO HOUSING INVESTMENT TRUST
401(K) RETIREMENT PLAN
THIS AGREEMENT is hereby made and entered into this 23rd day of June, 2000 by
AFL-CIO Housing Investment Trust (hereby referred to as the "Employer") and
▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇, and ▇▇▇▇▇ ▇.
▇▇▇▇▇▇▇▇ (hereby referred to as Trustees);
WHEREAS, the AFL-CIO Housing Investment Trust 401(k) Retirement Plan was
established October 1, 1996, and
WHEREAS, the Corporation wishes to make a change in Trustees of the AFL-
CIO Housing Investment Trust 401(k) Retirement Plan;
IN ACCORDANCE with Article 7.1 Trustee Appointment, Resignation, Removal
and Succession, ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇ is removed as Trustee effective this date
with his resignation. ▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇ ▇.
▇▇▇▇▇▇, and ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇ will continue in their capacity as Plan
Trustees. A majority of the individually named Plan Trustees can communicate
instructions on behalf of the Plan and will be considered representing all of
the Plan Trustees collectively for such action per Plan Article 7.9(g).
IN WITNESS WHEREOF, this Amendment has been executed at Washington, D.C. on
this 23rd day of June, 2000.
AFL-CIO HOUSING INVESTMENT TRUST
By:
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ATTEST:
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TRUSTEES:
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▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇.
-----------------------------------
▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
-----------------------------------
▇▇▇▇ ▇. ▇▇▇▇▇▇
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▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇
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▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Exhibit 8
AMENDMENT V TO THE
AFL-CIO HOUSING INVESTMENT TRUST
401(K) RETIREMENT PLAN
THIS AGREEMENT is hereby made and entered into this 26th day of September,
2000 by AFL-CIO Housing Investment Trust (hereby referred to as the
"Employer") and ▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇., ▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇▇▇▇▇,
and ▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ (hereby referred to as Trustees);
WHEREAS, the AFL-CIO Housing Investment Trust 401(k) Retirement Plan was
established October 1, 1996, and
WHEREAS, the Corporation wishes to amend the AFL-CIO Housing Investment
Trust 401(k) Retirement Plan relative participant distributions;
THEREFORE, we are amending Plan Section 5.6, effective January 1, 2000,
by deleting the existing first paragraph of Section 5.6 and replacing it with
the following wording:
5.6 Restrictions on Immediate Distributions
If the lump sum value of a Participant's benefit exceeds (or at the time
of any prior distribution exceeded) $5,000 (or $3,500 for distributions
made for Plan Years beginning on or before August 5, 1997), and the
benefit is immediately distributable, the benefit may only be distributed
with the consent of the Participant in accordance with this Section.
That portion of the Participant's Account which is not a Vested Interest
will be treated as a Forfeiture. Participant benefit distributions paid
pursuant to the consent requirements outlined below will only be made if
the entire vested benefit of the Participant is distributed in one
transaction. No partial benefit payments will be allowed pursuant to
this Plan Section.
IN WITNESS WHEREOF, this Amendment has been executed at Washington, D.C. on
this 26th day of September, 2000.
AFL-CIO HOUSING INVESTMENT TRUST
By:
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ATTEST:
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TRUSTEES:
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▇▇▇▇▇▇ ▇. ▇▇▇▇▇, ▇▇.
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▇▇▇▇ ▇. ▇▇▇▇▇▇
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