Which of the statements below describe one or more characteristics of hardship withdrawals from 401(K) plans? ... I. Hardship withdrawals may be taken from elective deferral amounts and the investment income from such deferrals. ... II. The participant must demonstrate "immediate and heavy financial need" and not have any other resources that are "reasonably available". ... III. A hardship withdrawal is exempt from the 10% early withdrawal penalty if the participant is below 591/2. ... IV. Hardship conditions must be established for hardship withdrawals from profit sharing or stock bonus 401(k)s. Select one: a. I only b. I and II only c. II and III only d. II and IV only e. II, III, and IV only