i TABLE OF CONTENTS INTRODUCTION TO YOUR PLAN How do I participate in the Plan? ................................ ................................ ................................ ................................ ............................... 1 What happens if I'm a Participant, terminate employment and then I' m rehired? ................................ ................................ ............... 2 ARTICLE II EMPLOYEE CONTRIBUTIONS What are elective deferrals and how do I contribute them to the Plan? ................................ ................................ ............................... 2 What are rollover contributions? ................................ ................................ ................................ ................................ ................................ 3 ARTICLE III EMPLOYER CONTRIBUTIONS What is the Employer match ing contribution and how is it allocated? ................................ ................................ ................................ .. 3 What is the Employer nonelective contribution and how is it allocated? ................................ ................................ .............................. 3 ARTICLE IV COMPENSATION AND ACCOUNT BALANCE What compensation is used to determine my Plan benefits? ................................ ................................ ................................ ................ 4 Is there a limit on the amount of compensation which can be considered? ................................ ................................ ........................ 4 Is there a limit on how much can be contributed to my account each year? ................................ ................................ ....................... 4 How is the money in the Plan invested? ................................ ................................ ................................ ................................ ................... 4 Will Plan expenses be deducted from my ac count balance? ................................ ................................ ................................ ................ 5 ARTICLE V VESTING What is my vested interest in my account? ................................ ................................ ................................ ................................ .............. 5 ARTICLE VI DISTRIBUTIONS PRIOR TO TERMINATION OF EMPLOYMENT Can I withdraw money from my account while working? ................................ ................................ ................................ ........................ 6 Can I withdraw money from my account in the event of financial hardship? ................................ ................................ ....................... 6 ARTICLE VII DISTRIBUTIONS UPON TERMINATION OF EMPLOYMENT When can I g et money out of the Plan? ................................ ................................ ................................ ................................ .................... 7 What is Normal Retirement Age and what is the significance of reaching Normal Retirement Age? ................................ .............. 7 When am I considered to be disabled under the Plan? ................................ ................................ ................................ .......................... 7 How will my benefits be paid to me? ................................ ................................ ................................ ................................ ......................... 8 May I elect another distribution method? ................................ ................................ ................................ ................................ .................. 8 ARTICLE VIII DISTRIBUTIONS UPON DEATH What happens if I die while working for the Employer? ................................ ................................ ................................ .......................... 8 Who is the beneficiary of my death benefit? ................................ ................................ ................................ ................................ ............ 8 How will the death benefit be paid to my beneficiary? ................................ ................................ ................................ ............................ 9 When must payments be made to my benefici ary (required minimum distributions)? ................................ ................................ ....... 9