5 the default investment alternatives your Employer establishes under the Plan. These default investments will be made in accordance with specific rules under which the fiduciarie s of the Plan, including your Employer and the Plan Administrator, will be relieved of any legal liability for any losses resulting from the default investments. The Plan Administrator has or will provide you with a separate notice which details these defa ult investments and your right to switch out of the default investment if you so desire. The Plan is intended to comply with Section 404(c) of ERISA (the Employee Retirement Income Security Act). If the Plan compli es with this Section, then the fiduciarie s of the Plan, including your Employer and the Plan Administrator, will be relieved of any legal liability for any losses which are the direct and necessary result of the investment directions that you give. You must follo w procedures in giving investment directions. If you fail to do so, then your investment directions need not be followed. When you direct investments, your account is segregated for purposes of determining the earnings or losses on these investmen ts. Your account does not share in the inv estment performance for other Participants who have directed their own investments. You should remember that the amount of your benefits under the Plan will depend in part upon your choice of investments. Gain s as well as losses can occur and your Employe r and the Plan Administrator will not provide investment advice or guarantee the performance of any investment you choose. Periodically, you will receive a benefit statement that provides information on your account balance and your investment retu rns. It is your responsibility to notify the Plan Administrator of any errors you see on any statements within 30 days after the stateme nt is provided or made available to you. Will Plan expenses be deducted from my account balance? Expenses allocated to all accounts. Subject to the terms of the investment arrangements funding the plan, the Plan might pay some or all Plan related expenses except for a limited category of expenses which the law r equires your Employer to pay. The category of expenses which your Employer must pay are known as "settlor expenses." Generally, settlor expenses relate to the design, establishment or termination of the Plan. See the Plan Administrator for more details. Th e expenses charged to the Plan might be charged pro rata to each Participant in relation to the size of each Part icipant's account balance or might be charged equally to each Participant. In addi tion, some types of expenses might be charged only to some Pa rticipants based upon their use of a Plan feature or receipt of a Plan distributi on. Finally, the Plan might charge expenses in a different manner as to Participants who have terminated employment with your Employer versus those Participants who remain emp loyed with your Employer. Terminated employee. After you terminate employment, subject to the terms of the inves tment arrangements funding the P lan, your Employer reserves the right to charge your account for your pro rata share of the Plan's administration expenses, regardless of whether your Employer pays some of these expenses on behalf of current employees. Expenses allocated to individual accounts. There are certain other expenses that might be paid just from your account subject to the t erms of the investment arra ngements funding the P lan. These are expenses that are specifically incurred by, or attributable to, you. For example, if you are marrie d and get divorced, the Plan might incur additional expenses if a court mandates that a porti on of your account be paid to your ex - spous e. These additional expenses might be paid directly from your account (and not the accounts of other Participants) because they are directly attributable to you under the Plan. The Plan Administrator will inform y ou when there will be a charge (or charges) directly to your account. Your Employer might , from time to time, change the manner in which expenses are allocated. ARTICLE V VESTING What is my vested interest in my account? Most employees are 100% vested in their contributions and Employer contributions. “Vested” means that your account is not forfeitable. However, it remains subject to Plan rules and the poss ibility of investment loss. A special vesting rule has been added for Employees who are hired on or after June 1, 2022 . They will forfeit all Employer contribution accounts if they terminate employment prior to 15 months of employment and have a break in service. A break in service is 12 consecutive months of not bei ng an Employee . If a P articipant return s to service prior to 5 years of break in service (6 if a break was due to child birth or adoption) , forfeited amounts may be restored, but the rules for restoration are not included in this SPD. If you return to employment after a termination and forfeited amounts under this 15 month rule, be sure to ask the Plan Administrator for more information abou t the restoration rules and whether you qualify. Military Service. If you are a veteran and are reemployed under the Uniformed Services Employment and Reemployment Rights Act of 1994, your qualified military service might be considered service with your Employer. If you might be affected by this law, ask the Plan Administrator for further details.