Tyler wants to borrow from his 401 (k) plan. His account balance is $55,000 from salary deferrals and $45,000 from employer matching contributions. He has been with his Employer for 4 years and the company uses a 2-6 year graded vesting schedule.

1. How much is the vested amount of his employer's matching contribution?

2. How much is the vested amount of his own contribution?

3. How much can Tyler borrow from his 401 (k) plan? Hint: up to 50% of his vested amount.