Table of Contents Introduction............................................................................................................................................. 1 Type of Plan .............................................................................................................................................................. 1 Plan Sponsor ............................................................................................................................................................. 1 Additional Adopting Employers ................................................................................................................................ 1 Purpose of this Summary .......................................................................................................................................... 1 Plan Administration ................................................................................................................................. 1 Plan Trustees............................................................................................................................................................. 1 Plan Administrator .................................................................................................................................................... 1 Plan Number ............................................................................................................................................................. 1 Plan Year ................................................................................................................................................................... 1 Service of Legal Process ............................................................................................................................................ 2 Service Crediting ...................................................................................................................................... 2 Hour of Service.......................................................................................................................................................... 2 Year of Entry Service ................................................................................................................................................. 2 Year of Vesting Service.............................................................................................................................................. 2 Break in Vesting Service ............................................................................................................................................ 2 Discretionary Contributions ..................................................................................................................... 2 How the Contribution Is Determined........................................................................................................................ 2 How You Become a Participant ................................................................................................................................. 2 How You Qualify for a Contribution Allocation ......................................................................................................... 3 How the Contribution Is Allocated ............................................................................................................................ 3 How Your Compensation Is Determined................................................................................................................... 3 How Your Vested Interest Is Determined ................................................................................................................. 3 Top Heavy Requirements ......................................................................................................................... 3 Maximum Allocation Limitations ............................................................................................................. 3 Distributions ............................................................................................................................................ 4 Additional Distribution Information......................................................................................................... 4 Distributions for Reasons Other Than Death ............................................................................................................ 4 Distributions Upon Death ......................................................................................................................................... 4 Distribution Policy ..................................................................................................................................................... 5 Cash-Outs of Small Accounts.................................................................................................................... 5 In-Service Withdrawals ............................................................................................................................ 5 Investment of Accounts ........................................................................................................................... 5 Tax Withholding on Distributions ............................................................................................................ 6 Direct Rollovers not Subject to Tax ........................................................................................................................... 6 20% Withholding on Taxable Distributions ............................................................................................................... 6 Participants Absent Because of Military Duty .......................................................................................... 6 Participants Who Die During Military Absence ......................................................................................................... 6 Participants Who Become Disabled During Military Absence................................................................................... 6 Other Information.................................................................................................................................... 7 Attachment of Your Account .................................................................................................................................... 7 Amendment or Termination of the Plan ................................................................................................................... 7 Accounts Are Not Insured ......................................................................................................................................... 7 Payment of Plan Expenses ........................................................................................................................................ 7 Voting of Company Stock .......................................................................................................................................... 7
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