Page 7 - HEPACO 401(k) Summary Plan Description

Signing Up

If you are an eligible employee, you are automatically enrolled to defer a percentage of
your pay, unless you choose a different percentage. You may choose to defer a different
percentage, including zero, by completing an elective deferral agreement or enrolling
online at www.principal.com. Once you are logged in, you will see a welcome screen with
directions on how to enroll in this plan online. Part 2 tells you more about these
contributions.

You need to name the person who will receive any death benefit if you die before
retirement. If you name someone other than your spouse, your spouse must agree to your
selection.

You need to tell us how you wish to use the investment options available for your account
(see Part 3).

Changes in Your Participation

You become an inactive participant on the date you are no longer an eligible employee.
You stop being a participant on the date you are not an eligible employee and your
account is zero. You rejoin the plan as an active participant when you work another hour
for us as an eligible employee.

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