TABLE OF CONTENTS ARTICLE I PARTICIPATION IN YOUR PLAN
Am I eligible to participate in the Plan? .......................................................................................................4 When am I eligible to participate in the Plan? ..............................................................................................5 When is my Entry Date? ...............................................................................................................................5 Does all my service with the Employer count for purposes of Plan eligibility? ...........................................5 Does my service with another Employer count for eligibility purposes? .....................................................6 What happens if I’m a participant, terminate employment and then I’m rehired? .......................................6 ARTICLE II CONTRIBUTIONS What kind of Plan is this? .............................................................................................................................6 How much will the Employer contribute to the Plan? ..................................................................................7 Will I share in Employer contributions during the year of my Retirement (Normal or Late), Total and Permanent Disability or death? .....................................................................................................................7 How will the Employer contributions be allocated to my account? .............................................................7 What compensation is used to determine my Plan benefits? ........................................................................8 Is there a limit on the amount of compensation which can be considered? ..................................................8 Is there a limit on how much can be contributed to my account each year?.................................................8 May I direct the investment of my account balance?....................................................................................9 May I vote Company Stock held in my account? .........................................................................................9 What happens if a dividend is payable on Company Stock allocated to my account? .................................9 ARTICLE III RETIREMENT BENEFITS What benefits will I receive at normal retirement? .......................................................................................9 What is my Late Retirement Date? .............................................................................................................10 What happens if I leave the Employer’s workforce before I retire? ...........................................................10 What is my vested interest in my account?.................................................................................................10 How do I determine my Years of Service for vesting purposes?................................................................10 Does all my service count for vesting purposes? ........................................................................................11 Does my service with another Employer count for vesting purposes? .......................................................11 As a veteran, will my military service count as service with the Employer? .............................................11 What happens to my non-vested account balance if I’m rehired? ..............................................................11 What happens to the non-vested portion of a terminated participant’s account balance? ..........................12 ARTICLE IV DISABILITY BENEFITS How is disability defined? ..........................................................................................................................12 What happens if I become disabled?...........................................................................................................12 ARTICLE V FORM OF BENEFIT PAYMENT How will my benefits be paid? ..............................................................................................................12 May I delay the receipt of benefits?......................................................................................................12 ARTICLE VI
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