TABLE OF CONTENTS INTRODUCTION TO YOUR PLAN
What kind of Plan is this? ...................................................................................................................................................................... 1 What information does this Summary provide?....................................................................................................................................... 1
ARTICLE I PARTICIPATION IN THE PLAN
How do I participate in the Plan? ........................................................................................................................................................... 1 How is my service determined for purposes of Plan eligibility?............................................................................................................... 2 What service is counted for purposes of Plan eligibility?......................................................................................................................... 2 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 safe harbor contribution? .................................................................................................................................................... 3 What are forfeitures and how are they allocated? .................................................................................................................................... 4
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? .............................................................................................. 5 How is the money in the Plan invested?.................................................................................................................................................. 5 Will Plan expenses be deducted from my account balance?..................................................................................................................... 5
ARTICLE V VESTING
What is my vested interest in my account? ............................................................................................................................................. 5 How is my service determined for vesting purposes? .............................................................................................................................. 6 What service is counted for vesting purposes? ........................................................................................................................................ 7 What happens to my non-vested account balance if I'm rehired?.............................................................................................................. 7
ARTICLE VI DISTRIBUTIONS PRIOR TO TERMINATION OF EMPLOYMENT
Can I withdraw money from my account while working?........................................................................................................................ 7 Can I withdraw money from my account in the event of financial hardship? ............................................................................................ 7
ARTICLE VII DISTRIBUTIONS UPON TERMINATION OF EMPLOYMENT
When can I get money out of the Plan?................................................................................................................................................... 8 What is Normal Retirement Age and what is the significance of reaching Normal Retirement Age?......................................................... 9
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