Eligibility

The following are excluded from participating in the Plan: Union employees; nonresident aliens.

Provided you are not excluded, you are eligible to join the Plan once you have met the following requirements:

• Minimum age: 18

• Hours of service: 1,000

• Period of service (consecutive): 12 Months

Entry Dates: First of each month.

Your Contributions: You can make “before tax” 401(k) contributions up to 90% of your compensation, subject to the annual maximum amount allowed by law ( see IRS guidelines). If you are 50 years of age or older, you can make an additional catch-up contribution ( see IRS guidelines). Changes to your contribution amount can be made as of each payroll period.

You can also make “after tax” Roth 401(k) contributions. The combined total of your “before tax” and “after tax” contributions cannot exceed the maximum above.

Rollovers from other eligible plans are allowed at any time.