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200ConstitutionAvenueN.W., Washington, D.C. 20210. Youmayalsoobtaincertainpublicationsabout
yourrightsandresponsibilitiesunderERISAbycallingthepublicationshotlineoftheEmployeeBenefits
SecurityAdministration.
DEFINITIONS
Account
YourAccountisthesumofallofyouramountsineachofyourdifferentcontributionaccounts.
Beneficiary
YourBeneficiaryistheindividualwhowillgetyourbenefitunderthePlanuponyourdeath. Youhavethe
righttodesignateoneormoreprimaryandoneormoresecondarybeneficiary.
YourspousemustbeyoursolebeneficiaryofyourentireAccountunlesstheyconsentstothedesignationof
anotherbeneficiary.
Compensation
CompensationmeanscontractualpayfromtheEmployerforthePlanYear, includingElectiveDeferrals,
andexcludingnon-contractualpay. Foranyself-employedindividual, Compensationwillmeanearned
income.
ForpurposesofElectiveDeferralsandMatchingContributions, Compensationwillincludeonlythat
compensationwhichisactuallypaidtoyoubytheEmployerduringthatpartofthePlanYearthatyouare
eligibletoparticipateinthePlan.
ForpurposesofElectiveDeferralsandMatchingContributions, Compensationwillincludeanyamountyou
electtodeferonatax-preferredbasistoanybenefitplanoftheEmployer.
ForpurposesofElectiveDeferralsandMatchingContributions, Compensationwillincludeanyamountsnot
availabletoyouincashinlieuofgrouphealthcoveragebecauseyouareunabletocertifythatyouhave
otherhealthcoverage.
ForpurposesofElectiveDeferralsandMatchingContributions, Compensationwillincludepaymentsof
unusedaccruedbonafidesick, vacation, orcertainotherleavethatarepaidtoyouafteryouterminate
employment.
Compensationwillincludewagespaidduringanyperiodinwhichyouareperformingserviceinthe
uniformedserviceswhileonactivedutyforaperiodofmorethan30daysthatrepresentsalloraportionof
thewagesyouwouldhavereceivedifyouwereperformingservicefortheEmployer.
Disability
YouwillbeconsideredDisabledwhenyouhavebeendetermineddisabledbytheSocialSecurity
AdministrationandyouareeligibletoreceivedisabilitybenefitsundertheSocialSecurityAct.
ElectiveDeferrals
ElectiveDeferralsaretheamountofyourCompensationthatyouchosetodepositintothePlanundera
salaryreductionagreementyoucompletewiththeEmployer.
ElectiveDeferralscanbecontributedeitheronapre-taxbasisoranafter-taxbasis. After-taxElective
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