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Table of Contents

1. WHAT IS A SUMMARY PLAN DESCRIPTION?
2. ELIGIBILITY FOR PARTICIPATION IN THE PLAN
3. PARTICIPANT’S ACCOUNT BALANCE
4. CALCULATION OF A PARTICIPANT’S ACCOUNT BALANCE
5. VESTING FOR PARTICIPANTS
6. BENEFITS FOR PARTICIPANTS (Death, Retirement, Disability, Termination)
7. HOW TO APPLY FOR A BENEFIT
8. APPEALS PROCEDURE
9. PARTICIPANT RIGHTS AND PROTECTIONS UNDER ERISA
10. PENALTIES ON WITHDRAWALS AND EARLY DISTRIBUTIONS
11. Prudent Actions by Plan Fiduciaries
12. Enforce Your Rights
13. Assistance With Your Questions