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Withdrawals: Your account may be withdrawn only in the event of:

- Retirement - Death
- Termination of Employment
(A 10% IRS penalty may apply.)
- Financial Hardship; your employer must approve hardship withdrawals
(A 10% IRS penalty may apply.)

Distributions made prior to age 59 1/2 may be subject to a 10% excise tax if not rolled into a new
Qualified plan or an IRA. In the event of death, your beneficiary will receive 100% of your
investment account balance. The TPA transaction fee for withdrawals is $50.

Investment Options: All money in your account can be directed to any of the investment options available under the
Plan. If you do not provide instructions, your money will be invested in the default investment
option selected by the Plan Trustee.

THIS IS NOT A SUMMARY PLAN DESCRIPTION. IF THERE ARE ANY DIFFERENCES BETWEEN THIS
INFORMATION AND THE SUMMARY PLAN DESCRIPTION OR PLAN DOCUMENT, THE PLAN
DOCUMENT WILL BE CONSIDERED ACCURATE.