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Table of Contents

1. WHAT IS A 401(k) PLAN?
2. WHAT IS A SUMMARY PLAN DESCRIPTION?
3. WHAT IS THE ADVANTAGE OF A 401(k) PLAN?
4. WHEN AM I ELIGIBLE TO PARTICIPATE?
5. HOW MUCH CAN I DEFER?
6. CAN I SUSPEND OR CHANGE THE RATE OF MY SALARY DEFERRAL?
7. WHAT IS DONE WITH THE MONEY CONTRIBUTED?
8. HOW IS MY ACCOUNT BALANCE CALCULATED?
9. WHAT IS VESTING AND WHEN DOES THIS HAPPEN FOR ME?
10. WHEN CAN I RECEIVE A DISTRIBUTION FROM THE FUND?
11. WHAT DISTRIBUTION OPTIONS ARE AVAILABLE TO ME?
12. PENALTIES ON WITHDRAWAL AND EARLY DISTRIBUTIONS
13. WHAT HAPPENS TO MY ACCOUNT IF I DIE?
14. WHO CAN I DESIGNATE AS MY BENEFICIARY?
15. CAN I MAKE A HARDSHIP WITHDRAWAL FROM MY ACCOUNT?
16. LOANS
17. WHAT IS A QUALIFIED DOMESTIC RELATIONS ORDER (“QDRO”)?
18. IS MY ACCOUNT INSURED BY THE GOVERNMENT?
19. APPEALS PROCEDURE
20. YOUR RIGHTS UNDER ERISA
21. BASIC PLAN INFORMATION