ࡱ> "$ !'` T@bjbjDD \&&H7 D~~~~,<i4,Lxxxx*FTz#|#|#|#C#"GF"h$&khmxhxxhxxi6///xxz#/z#//Jvx `H5e2~Ѧf68>iHinn7 npvnv+/lhhűjiD Y$ Y  Summary Plan Description Myriad Genetics, Inc. 401(k) Profit Sharing Plan Myriad Genetics, Inc. 401(k) Profit Sharing Plan  TOC \* MERGEFORMAT Summary Plan Description  PAGEREF _Toc268516192 \h 1 I. Basic Plan Information  PAGEREF _Toc268516193 \h 2 A. Account  PAGEREF _Toc268516194 \h 2 B. Beneficiary  PAGEREF _Toc268516195 \h 2 C. Deferral Contribution  PAGEREF _Toc268516196 \h 2 D. Employee  PAGEREF _Toc268516197 \h 2 E. Employer  PAGEREF _Toc268516198 \h 2 F. ERISA  PAGEREF _Toc268516199 \h 2 G. Highly Compensated Employee  PAGEREF _Toc268516200 \h 2 H. Non-Highly Compensated Employee  PAGEREF _Toc268516201 \h 3 I. Participant  PAGEREF _Toc268516202 \h 3 J. Plan Type  PAGEREF _Toc268516203 \h 3 K. Plan Administrator  PAGEREF _Toc268516204 \h 3 L. Plan Number  PAGEREF _Toc268516205 \h 3 M. Plan Sponsor  PAGEREF _Toc268516206 \h 3 N. Plan Year  PAGEREF _Toc268516207 \h 3 O. Service of Process  PAGEREF _Toc268516208 \h 3 P. Trustee  PAGEREF _Toc268516209 \h 3 II. Participation  PAGEREF _Toc268516210 \h 3 A. Eligibility Requirements  PAGEREF _Toc268516211 \h 3 III. Contributions  PAGEREF _Toc268516212 \h 4 A. Compensation  PAGEREF _Toc268516213 \h 4 B. Employee Deferral Contributions  PAGEREF _Toc268516214 \h 5 1. Regular Deferral Contributions  PAGEREF _Toc268516215 \h 5 2. Additional Deferrals  PAGEREF _Toc268516216 \h 5 3. Age 50 and Over Catch-Up Contributions  PAGEREF _Toc268516217 \h 5 C. Employer Matching Contributions  PAGEREF _Toc268516218 \h 5 1. Non-discretionary Matching Contributions  PAGEREF _Toc268516219 \h 5 2. Qualified Matching Contributions  PAGEREF _Toc268516220 \h 6 D. Nonelective Contributions  PAGEREF _Toc268516221 \h 6 1. Discretionary Nonelective Contributions  PAGEREF _Toc268516222 \h 6 E. Qualified Nonelective Contributions  PAGEREF _Toc268516223 \h 6 F. Limit on Contributions  PAGEREF _Toc268516224 \h 6 G. Rollover Contributions  PAGEREF _Toc268516225 \h 6 IV. Investments  PAGEREF _Toc268516226 \h 7 A. Investments  PAGEREF _Toc268516227 \h 7 B. Statement of Account  PAGEREF _Toc268516228 \h 7 C. Election  PAGEREF _Toc268516229 \h 8 V. Vesting  PAGEREF _Toc268516230 \h 8 VI. Participant Loans  PAGEREF _Toc268516231 \h 8 A. General Loan Rules  PAGEREF _Toc268516232 \h 8 B. Specific Loan Procedures  PAGEREF _Toc268516233 \h 8 1. Loan Application  PAGEREF _Toc268516234 \h 8 2. Loan Amount  PAGEREF _Toc268516235 \h 8 3. Number of Loans  PAGEREF _Toc268516236 \h 8 4. Interest Rate  PAGEREF _Toc268516237 \h 8 5. Loan Repayments and Loan Maturity  PAGEREF _Toc268516238 \h 8 6. Default or Termination of Employment  PAGEREF _Toc268516239 \h 9 VII. In Service Withdrawals  PAGEREF _Toc268516240 \h 9 A. Hardship Withdrawals  PAGEREF _Toc268516241 \h 9 B. Withdrawals After Age 59  PAGEREF _Toc268516242 \h 9 C. Withdrawals After Age 70  PAGEREF _Toc268516243 \h 10 D. Withdrawals After Normal Retirement Age  PAGEREF _Toc268516244 \h 10 E. Withdrawals of Vested Employer Contributions  PAGEREF _Toc268516245 \h 10 F. Withdrawals of Rollover Contributions  PAGEREF _Toc268516246 \h 10 VIII. Distribution of Benefits  PAGEREF _Toc268516247 \h 10 A. Eligibility For Benefits  PAGEREF _Toc268516248 \h 10 B. Distributable Events  PAGEREF _Toc268516249 \h 11 1. Death  PAGEREF _Toc268516250 \h 11 2. Disability  PAGEREF _Toc268516251 \h 11 3. Retirement  PAGEREF _Toc268516252 \h 11 4. Minimum Required Distributions  PAGEREF _Toc268516253 \h 11 5. Termination of Employment  PAGEREF _Toc268516254 \h 11 C. Form of Payments  PAGEREF _Toc268516255 \h 11 1. Lump Sum Distributions  PAGEREF _Toc268516256 \h 11 a) Non-rollover Distribution  PAGEREF _Toc268516257 \h 11 b) Direct Rollover Distribution  PAGEREF _Toc268516258 \h 12 c) Combination Non-rollover Distribution and Direct Rollover Distribution  PAGEREF _Toc268516259 \h 12 2. Installment Distributions  PAGEREF _Toc268516260 \h 13 IX. Miscellaneous Information  PAGEREF _Toc268516261 \h 13 A. Benefits Not Insured  PAGEREF _Toc268516262 \h 13 B. Attachment of Your Account  PAGEREF _Toc268516263 \h 13 C. Plan-to-Plan Transfer Of Assets  PAGEREF _Toc268516264 \h 13 D. Plan Amendment  PAGEREF _Toc268516265 \h 13 E. Plan Termination  PAGEREF _Toc268516266 \h 13 F. Interpretation of Plan  PAGEREF _Toc268516267 \h 14 G. Electronic Delivery  PAGEREF _Toc268516268 \h 14 X. Internal Revenue Code Tests  PAGEREF _Toc268516269 \h 14 A. Non-Discrimination Tests  PAGEREF _Toc268516270 \h 14 B. Top Heavy Test  PAGEREF _Toc268516271 \h 14 XI. Participant Rights  PAGEREF _Toc268516272 \h 14 A. Claims  PAGEREF _Toc268516273 \h 14 1. Claims Procedures  PAGEREF _Toc268516274 \h 14 2. Review Procedures (For Appeal of an Adverse Benefit Determination)  PAGEREF _Toc268516275 \h 15 B. Statement of ERISA Rights  PAGEREF _Toc268516276 \h 16 XII. Services and Fees  PAGEREF _Toc268516277 \h 17 Appendix A. Investment Options  PAGEREF _Toc268516278 \h 18  Summary Plan Description Myriad Genetics, Inc. 401(k) Profit Sharing Plan The Myriad Genetics, Inc. 401(k) Profit Sharing Plan (the Plan) of Myriad Genetics, Inc. has been amended as of 04/01/2010 (the Effective Date). This Plan is intended to be a qualified retirement plan under the Internal Revenue Code. The purpose of the plan is to enable eligible Employees to save for retirement. As well as retirement benefits, the plan provides certain benefits in the event of death, disability, or other termination of employment. The Plan is for the exclusive benefit of eligible Employees and their Beneficiaries. This booklet is called a Summary Plan Description (SPD) and it contains a summary in understandable language of your rights and benefits under the plan. If you have difficulty understanding any part of this SPD, you should contact the Plan Administrator identified in the Basic Plan Information section of this document during normal business hours for assistance. This SPD is a brief description of the principal features of the plan document and trust agreement and is not meant to interpret, extend or change these provisions in any way. A copy of the plan document is on file with the Plan Administrator and may be read by any employee at any reasonable time. The plan document and trust agreement shall govern if there is a discrepancy between this SPD and the actual provisions of the plan. This SPD is based on the federal tax implications of your participation in the Plan, transactions made within your Account, and distributions you may receive from the plan. The state tax implications of your participation and these transactions should be determined based on an examination of appropriate state law. Please consult with your tax advisor if you have any questions regarding state tax law. Basic Plan Information The information in this section contains definitions to some of the terms that may be used in this SPD and general Plan information. If the first letter of any of the terms defined below is capitalized when it is used within this SPD, then it represents the indicated defined term. Account An Account shall be established by the Trustee to record contributions made on your behalf and any related income, expenses, gains or losses. It may also be referred to as an Account balance. Beneficiary This is the person or persons (including a trust) you designate, or who are identified by the plan document if you fail to designate or improperly designate, who will receive your benefits in the event of your death. You may designate more than one Beneficiary. Deferral Contribution This is a contribution taken directly from the pay of an Employee and contributed to the Plan, subject to certain limits (described below). The Plan permits you to make both pre-tax and certain after-tax (Roth) Deferral Contribution amounts. Employee An Employee is an individual who is employed by your Employer as a common law employee or, in certain cases, as a leased employee and is not terminated. Employer The name and address of your Employer is: Myriad Genetics, Inc. 320 Wakara Way Salt Lake City, UT 84108 (801) 584-3672 Your Employers federal tax identification number is: 87-0494517 The following Employer(s) also participate in the Plan and employees of each employer listed below shall be eligible to participate in accordance with the Participation section of this Summary Plan Description. Federal Tax Identification NumberParticipating Employer NameDesignation87-0514323Myriad Genetic LaboratoriesRelated87-0581853Myriad Therapeutics, Inc.Related ERISA The Employee Retirement Income Security Act of 1974 (ERISA) identifies the rights of Participants and Beneficiaries covered by a qualified retirement plan. Highly Compensated Employee An Employee is considered a highly compensated Employee if (i) at anytime during the current or prior year you own, or are considered to own, at least five percent of your Employer, or (ii) received compensation from your Employer during the prior year in excess of $105,000, as adjusted. Non-Highly Compensated Employee An Employee who is not a Highly Compensated Employee. Participant A participant is an eligible Employee who has satisfied the eligibility and entry date requirements and is eligible to participate in the Plan or a formerly eligible Employee who has an account balance remaining in the Plan. Plan Type The Myriad Genetics, Inc. 401(k) Profit Sharing Plan is a defined contribution plan. These types of plans are commonly described by the method by which contributions for participants are made to the plan. The Myriad Genetics, Inc. 401(k) Profit Sharing Plan is a 401(k) deferral plan. More information about the contributions made to the plan can be found in Section III, Contributions. Plan Administrator The Plan Administrator is responsible for the administration of the Plan and its duties are identified in the plan document. In general, the Plan Administrator is responsible for providing you and your Beneficiaries with information about your rights and benefits under the Plan. The name and address of the Plan Administrator is: Myriad Genetics, Inc. 320 Wakara Way Salt Lake City, UT 84108 (801) 584-3672 Plan Number The three digit IRS number for the Plan is 003. Plan Sponsor Your Employer is the sponsor of the Plan. Plan Year The Plan Year is the twelve-month period ending on the last day of December. Your Employer may only change or have changed the Plan Year by amending and restating to a new Plan Document. Service of Process The plan's agent for service of legal process is the Plan Administrator. Trustee The trustee is responsible for trusteeing the Plans assets. The trustees duties are identified in the trust agreement and relate only to the assets in its possession. The name and address of the Plan's Trustee are: Fidelity Management Trust Company 82 Devonshire Street Boston, MA 02109 Participation Eligibility Requirements You are eligible to participate in the Plan if you are an Employee. However, you are not eligible to participate if you are: a resident of Puerto Rico covered by a collective bargaining agreement for which retirement benefits have been the subject of good faith negotiations. You are also not eligible to participate if you are an individual who is a signatory to a contract, letter of agreement, or other document that acknowledges your status as an independent contractor not entitled to benefits under the Plan and you are not otherwise classified by the Employer as a common law employee or the Employer does not withhold income taxes, file Form W-2 (or any replacement form), or remit Social Security payments to the Federal government for you, even if you are later adjudicated to be a common law employee. You will become eligible to participate in the Plan according to the table below: Contribution typeAge RequirementService RequirementEntry DateAll Sources21NoneFirst day of Plan Year and first day of fourth, seventh, and tenth monthsOnce you become a Participant you are eligible to participate in the Plan until you terminate your employment with your Employer or become a member of a class of Employees excluded from the Plan. If you terminate your employment after you have met the eligibility requirements, and are later re-employed by your Employer, you will again be eligible to participate in the Plan when you complete one hour of service. Contributions After you satisfy the participation requirements in Section II of this Summary Plan Description, you will be eligible to make Deferral Contributions. In addition, your Employer may make matching and nonelective contributions to your Account. The type(s) of contributions available under the Plan are described in this section. Compensation Compensation must be defined to compute contributions under the Plan. For purposes of determining contributions, only Compensation paid to you for services you performed while employed as an Eligible Employee shall be considered. Eligible compensation for computing contributions under the Plan is the taxable compensation for a Plan Year reportable by your Employer on your IRS Form W-2, excluding reimbursements or other expense allowances, fringe benefits, moving expenses, deferred compensation and welfare benefits and including salary reduction contributions you made to an Employer sponsored cafeteria, qualified transportation fringe, simplified employee pension, 401(k), 457(b) or 403(b) plan. The definition of compensation for your plan for purposes of computing contributions also excludes certain amounts from certain contribution source types as indicated in the table below. SourceExclusion (s)Employee Deferral Contributions and Qualified Nonelective ContributionsBonuses, Taxable Value of any restricted stock or any qualified or nonqualified Stock options, Severance pay received prior to termination.Employer Matching ContributionsBonuses, Taxable Value of any restricted stock or any qualified or nonqualified Stock options, Severance pay received prior to termination.Employer Nonelective ContributionsBonuses, Taxable Value of any restricted stock or any qualified or nonqualified Stock options, Severance pay received prior to termination. Compensation for your first year of eligible Plan participation will be measured only for that portion of your initial Plan Year that you are eligible. Tax laws limit the amount of compensation that may be taken into account each Plan Year; the maximum amount for the 2010 Plan Year is $245,000. Employee Deferral Contributions Regular Deferral Contributions You may elect to defer a percentage of your eligible compensation into the Plan after you satisfy the Plans eligibility requirements. The percentage of your eligible compensation you elect will be withheld from each payroll and contributed to an Account in the Plan on your behalf. For pre-tax contributions being withheld from your compensation, the percentage you defer is subject to an annual limit of the lesser of 50% of eligible compensation or $16,500 (in 2010; thereafter as adjusted by the Secretary of the Treasury) in a calendar year. You will be eligible to designate some or all of your Deferral Contribution as a Roth Deferral Contribution at the time you make your deferral election. Once made, this election will be irrevocable (that is, Roth Deferral Contributions cannot later be re-characterized as pre-tax Deferral Contributions). If you elect to make Roth Deferral Contributions, the amount of your contribution will be included in your income for tax purposes, and the income tax withholding amounts will be deducted from the remainder of your pay, not from the Roth Deferral Contribution amount. For example, if you have annual compensation of $30,000 and elect to make a Roth Deferral Contribution to the Plan equal to 5% of your compensation, your Roth Deferral Contribution to the Plan will equal $1,500 (5% of $30,000). The tax withholding applicable to the amount you have elected to contribute to the Plan as a Roth Deferral Contribution will be applied against the remainder of your compensation. Except with respect to the income taxation of Roth Deferral Contributions at contribution (described above) and to the distribution of amounts attributable to Roth Deferral Contributions (described below), Roth Deferral Contributions are subject to the same rules applicable to pre-tax Deferral Contributions. For example, pre-tax and Roth Deferral Contributions are added together to determine whether you have hit the Federal tax law limit on Deferral Contributions ($16,500 in 2010 for those not eligible to make age 50 and over catch-up contributions) or the Plans deferral limit. Your Deferral Contributions cannot be forfeited for any reason, however, there are special Internal Revenue Code rules that must be satisfied and may require that some of your contributions be returned to you. The Plan Administrator will notify you if any of your contributions will be returned. You may increase or decrease the amount you contribute as of the beginning of each payroll period. You may also completely suspend your contributions which you may resume as of the next January 1, April 1, July 1, or October 1. If you want to increase, decrease, suspend, or resume your Deferral Contributions, you must call the Fidelity Retirement Benefits Line at 1-800-294-4015 or access the NetBenefits web site at www.netbenefits.com. Additional Deferrals You may make additional Deferral Contributions during the payroll period(s) designated by your Employer. You may defer a whole percentage between 1 and 100% of your eligible compensation into the Plan by completing a special election form. The total amount of your additional and regular Deferral Contributions for the Plan Year may not exceed 50% of your eligible compensation or other applicable Internal Revenue Code limits. Your Employer may refuse to accept any or all of your additional Deferral Contributions if they will have an adverse effect on the Plans annually required Internal Revenue Code tests. Age 50 and Over Catch-Up Contributions The Plan provides that participants who are projected to be age 50 or older by the end of the calendar year and who are making Deferral Contributions to the Plan may also make a catch-up contribution of up to $5,500 (in 2009; thereafter as adjusted by the Secretary of the Treasury). Employer Matching Contributions You become eligible for matching contributions only if you make Deferral Contributions. For purposes of determining your matching contributions under the Plan, your Contributions will include Age 50 and Over Catch-Up Contributions. Employer matching contributions must be allocated to your Account in the Plan within prescribed legal time limits. Non-discretionary Matching Contributions Non-discretionary matching contributions will be computed by your Employer based on your eligible compensation contributed to the Plan each payroll period. Non-discretionary matching contributions are subject to 50% up to a maximum of 8% of your eligible compensation contributed to the Plan. Qualified Matching Contributions Your Employer may designate all or a portion of any matching contributions for a payroll period as qualified matching contributions and allocate them to Non-Highly Compensated Employees to help the Plan pass one or more annually required Internal Revenue Code nondiscrimination test(s). Any such contributions will be allocated to those Participants eligible to receive the Employer matching contributions described above who made Deferral Contributions during the payroll period. Participants are 100% vested in these contributions and may not request a hardship withdrawal of these contributions. Nonelective Contributions Discretionary Nonelective Contributions Your Employer may make discretionary nonelective contributions in an amount to be determined by the Board of Directors for each Plan Year. You must complete at least 1,000 hours of service during the Plan Year and be employed as of the last day of the Plan Year to be eligible to receive any nonelective contributions that may be made for that Plan Year. Discretionary nonelective contributions, if any, made to the Plan by your Employer will be allocated to your Account in the ratio that your eligible compensation bears to the total eligible compensation paid to all eligible Participants. Qualified Nonelective Contributions Your Employer may designate all or a portion of any nonelective contributions for a Plan Year as qualified nonelective contributions and allocate them to Non-Highly Compensated Employees to help the Plan pass one or more annually required Internal Revenue Code nondiscrimination test(s). You will be 100% vested in these contributions and may not request a hardship withdrawal of these contributions. Limit on Contributions Federal law requires that amounts contributed by you and on your behalf by your Employer for a given limitation year generally may not exceed the lesser of: $49,000 (or such amount as may be prescribed by the Secretary of the Treasury); or 100% of your annual compensation. The limitation year for purposes of applying the above limits is the twelve month period ending December 31. Contributions under this Plan, along with Employer contributions under any other Employer-sponsored defined contribution plans, may not exceed the above limits. If this does occur, then excess contributions in your Account may be forfeited or refunded to you based on the provisions of the Plan document. You will be notified by the Plan Administrator if you have any excess contributions. Income tax consequences may apply on the amount of any refund you receive. Rollover Contributions You can roll over part or all of an eligible rollover distribution you receive from an eligible retirement plan into this Plan even if you have not yet satisfied the age and Eligibility service requirements described in Section II above; however you will not become a Participant in the Plan and become entitled to make Deferral Contributions and share in Employer contributions until you have met the Plans eligibility and entry date requirements. An eligible retirement plan is a qualified plan under Section 401(a), a 403(a) annuity plan, a 403(b) annuity contract, an eligible 457(b) plan maintained by a governmental employer, and an individual retirement account and individual retirement annuity. An eligible rollover distribution includes any distribution from an eligible retirement plan, except any distribution from an individual retirement account or an individual retirement annuity consisting of nondeductible contributions or any distribution from a 403(b) annuity contract consisting of after-tax employee contributions. Making Rollover Contributions to the Plan that consist of assets other than qualified 401(a) plan assets may result in the loss of favorable capital gains or ten year income averaging tax treatment that may otherwise be available with respect to a lump sum distribution to you from the Plan. The loss of this favorable tax treatment may also occur if you make a Rollover Contribution to the Plan that consists of qualified 401(a) plan assets under certain circumstances. If you may be eligible for this special tax treatment, you should consult your tax advisor and carefully consider the impact of making a Rollover Contribution to the Plan. The Plan Administrator must approve any Rollover Contribution and reserves the right to refuse to accept any such contribution. If your Rollover Contribution to the Plan is not a direct rollover (i.e., you received a cash distribution from your eligible retirement plan), then it must be received by the Trustee within 60 days of your receipt of the distribution and must not contain any after tax contribution amounts. Rollover Contributions may only be made in the form of cash, allowable fund shares, or (if the Plan allows new loans in accordance with the terms of this SPD) promissory notes from an eligible retirement plan. Your Rollover Contributions Account will be subject to the terms of this Plan and will always be fully vested and nonforfeitable. In general, if you receive an eligible rollover distribution as a surviving spouse of a participant or as a spouse or former spouse who is an alternate payee pursuant to a qualified domestic relations order (QDRO), you may also make a Rollover Contribution to the Plan. The Plan will accept direct Rollover Contributions of amounts attributable to Roth Deferral Contributions that you made to another qualified plan that accepted Roth Deferral Contributions and properly segregated them from other contributions. The same rules that apply to other direct Rollover Contributions apply to direct Rollover Contributions of amounts attributable to Roth Deferral Contributions, except for the income tax treatment on distribution (described below). Investments Investments The Employee Retirement Income Security Act of 1974 (ERISA) imposes certain duties on the parties who are responsible for the operation of the Plan. These parties, called fiduciaries, have a duty to invest Plan assets in a prudent manner. However, an exception exists for plans that comply with ERISA Section 404(c) and permit a Participant to exercise control over the assets in his/her Account and choose from a broad range of investment alternatives. This Plan is intended to be a Section 404(c) plan. To the extent that you have directed the investment of assets in your Account under the Plan, you are responsible for the investment decisions you made relating to those assets and the Plan fiduciaries are not responsible for any losses resulting from your investment instructions. In addition, you have the right to direct the trustee regarding mutual fund proxy voting based on the number of shares you own. Please see Appendix A for a list of the investments currently available under the Plan. If you want additional information about any investment alternative, you may request any of the following information by contacting Fidelity by calling 1-800-294-4015 or by accessing NetBenefits at www.netbenefits.com: A description of the annual operating expenses of each investment fund (e.g., investment management fees, administrative fees, transaction costs) which reduce the rate of return to you, and the aggregate amount of such expenses expressed as a percentage of average net assets of the designated investment alternative; Prospectuses, financial statements and reports, plus any other material provided to the Plan which relates to the available investment alternatives; A list of the assets comprising the portfolio of each investment fund that constitute plan assets within the meaning of 29 CFR 2510.3-101, the value of each such asset (or the proportion of the investment fund which it comprises), and with respect to each such asset which is a fixed rate investment contract issued by a bank, savings and loan association or insurance company, the name of the issuer of the contract, the term of the contract and the rate of return on the contract; Information concerning the value of shares or units of the investment funds available to you under the Plan, as well as the past investment performance of such funds, determined net of expenses, on a reasonable and consistent basis; and Information concerning the value of shares or units in the investment funds held in your Plan account. Statement of Account The assets in the Plan are invested in available investment options and a separate Account is established for each Participant who receives and/or makes a contribution. The value of your Account is updated each business day to reflect any contributions, exchanges between investment options, investment earnings or losses for each investment option and withdrawals. Your account statement is available online through NetBenefits at www.netbenefits.com. You can view and print a statement for any time period up to 24 previous months. A statement is also available to be automatically mailed to you every three months. You can initiate these mailings by logging on to NetBenefits and selecting Mail Preferences under the Accounts tab. Election The Plan is intended to qualify as a Participant-directed plan under Section 404(c) of ERISA. This means that you are responsible for your investment decisions under the plan and any resulting investment activity. The plan fiduciaries, including, but not limited to, Fidelity Management Trust Company and Myriad Genetics, Inc., are not responsible for any losses incurred as a result of your investment decisions. Vesting The term vesting refers to your nonforfeitable right to the money in your Account. If you terminate your employment with your Employer, you may be able to receive a portion or all of your Account based on your vested percentage. You are always 100% vested in your Rollover Contributions, Employer Nonelective Contributions, Employer Matching Contributions, Qualified Matching Contributions, Qualified Nonelective Contributions, Deferral Contributions and any earnings thereon. Participant Loans General Loan Rules Loans shall be made available to all qualifying Participants on a reasonably equivalent basis. However, loans may not be made to an eligible Employee who makes a rollover contribution and who has not satisfied the Plans age, service and entry date requirements. Loans are not considered distributions and are not subject to Federal or state income taxes, provided they are repaid as required. While you do have to pay interest on your loan, both the principal and interest are deposited in your Account. Specific Loan Procedures Loan Application If you have met the Plans eligibility and entry date requirements, you may apply for a loan by calling the Fidelity Retirement Benefits Line, 1-800-294-4015 or by accessing the NetBenefits web site at www.netbenefits.com. All telephone calls will be recorded. You may apply for only one loan each calendar year. All loans (except loans for the purchase of a principal residence) have been pre-approved by the Plan Administrator based on the criteria outlined in the Plans loan procedures. Loans will be allowed for any purpose. A loan set up fee of $125 will be deducted from your Account for each new loan processed. Loan Amount The minimum loan is $1,000 and the maximum amount is the lesser of one-half of your vested Account balance or $50,000 reduced by the highest outstanding loan balance in your Account during the prior twelve month period. All of your loans from plans maintained by your Employer or a Related Employer will be considered for purposes of determining the maximum amount of your loan. Up to 50% of your vested Account balance may be used as collateral for any loan. Number of Loans You may only have 1 loan outstanding at any given time. If you have an existing loan you may not apply for another loan until the existing loan is paid in full. Interest Rate All loans shall bear a reasonable rate of interest as determined by the Plan Administrator based on the prevailing interest rates charged by persons in the business of lending money for loans which would be made under similar circumstances. The interest rate shall remain fixed throughout the duration of the loan. Loan Repayments and Loan Maturity All loans must be repaid in level payments through after-tax payroll deductions on at least a quarterly basis over a five year period unless it is for the purchase of your principal residence in which case the loan repayment period may not extend beyond 10 years from the date of the loan. If repayment is not made by payroll deduction, a loan shall be repaid to the Plan by payment to the Employer. The level repayment requirement may be waived for a period of one year or less if you are on a leave of absence, however, your loan must still be repaid in full on the maturity date. If you are on a military leave of absence, the repayment schedule may be waived for the entire length of the time missed on leave. Your loan will accrue interest during this time, and upon return from a military leave of absence, your loan will be reamortized to extend the length of the loan by the length of the leave. If a loan is not repaid within its stated period, it will be treated as a taxable distribution to you. Default or Termination of Employment The Plan Administrator shall consider a loan in default if any scheduled repayment remains unpaid as of the last business day of the calendar quarter following the calendar quarter in which a loan is initially considered past due. In the event of a default, death, disability, or termination of employment, the entire outstanding principal and accrued interest shall be immediately due and payable. However, if your termination of employment results from a corporate action on the part of your employer and you remain performing the same job after that corporate action, within 60 days of your termination of employment you may request that the Plan Administrator roll over your loan to your new employers retirement plan (if such new plan will accept your loan roll over). Unless you roll over your loan, any default in repayment to the Plan will result in the treating of the balance due for your loan as a taxable distribution from the Plan. In Service Withdrawals If you qualify, as indicated below for each withdrawal, you may obtain a withdrawal from the Plan while you are still an Employee. You can apply for any of the below described distributions by calling the Fidelity Retirement Benefits Line at 1-800-294-4015 or by accessing the NetBenefits web site at www.netbenefits.com. All telephone calls will be recorded. The following types of withdrawals are available under the Plan: Hardship Withdrawals If you are an Employee and request a hardship withdrawal, you may withdraw certain contributions to satisfy any of the following immediate and heavy financial needs: (1) medical expenses for you, your spouse, children or dependents; (2) the purchase of your principal residence; (3) to prevent your eviction from, or foreclosure on, your principal residence; (4) to pay for post-secondary education expenses (tuition, related educational fees, room and board) for you, your spouse, children or dependents for the next twelve months; (5) to make payments for burial or funeral expenses for your deceased parent, spouse, child or dependent; (6) to pay expenses for the repair of damage to your principal residence that would qualify for the casualty deduction under Section 165 of the Internal Revenue Code (without regard to whether the loss exceeds 10% of adjusted gross income); or any other immediate and heavy financial need as determined based on Internal Revenue Service regulations. In accordance with Internal Revenue Service regulations, you must first exhaust all other assets reasonably available to you prior to obtaining a hardship withdrawal. This includes obtaining a loan from this Plan and any other qualified plan maintained by your Employer. Your Deferral Contributions to this Plan, and any other Employer-sponsored qualified or non-qualified plan, will be suspended for six months after your receipt of the hardship withdrawal. The minimum hardship withdrawal is $500. Hardship withdrawals will be subject to the 10% nonperiodic income tax withholding rate unless you elect out of the withholding. Contributions available to withdraw under the terms of this section are: Employee Deferral Contributions (including both pretax and Roth deferral contributions if available in the Participants Account) Profit Sharing Match Rollover Withdrawals After Age 59 If you have reached age 59, then you may elect to withdraw all or a portion of your entire vested Account while you are still employed by your Employer. Withdrawals After Age 70 Starting in the calendar year in which you reach age 70, you may elect to receive distributions calculated in the same manner as Minimum Required Distributions. For more information, please refer to the paragraph so entitled under the Distributable Events subsection of this SPDs section on Distribution of Benefits below. Withdrawals After Normal Retirement Age You may elect to withdraw your vested Account balance after you reach the Plans normal retirement age, 55, or delay it until you retire. Notwithstanding the above, by law certain contributions including employee deferral, qualified matching, safe harbor matching, qualified nonelective, and safe harbor nonelective contributions cannot be withdrawn prior to age 59. Withdrawals of Vested Employer Contributions You may elect to withdraw all or a portion of your vested matching and profit sharing contributions that have been in your Account for at least 24 months and after you have at least 60 months of participation in the Plan. The following special restrictions apply to any withdrawal of Vested Matching and Profit Sharing Contributions: Participants will be permitted only one such in-service withdrawal during the course of such Participants employment with the Employer. Participant will be permitted only one such in-service withdrawal during the course of such Participants employment with the Employer. Withdrawals of Rollover Contributions If you have a balance in your rollover contributions Account, you may elect to withdraw all or a portion of it. There is no limit on the number of withdrawals of this type. The amount of any taxable withdrawal that is not rolled over into an Individual Retirement Account or another qualified employer retirement plan will be subject to Federal and state, if applicable, income taxes. In general, the amount of any taxable withdrawal that is not rolled over into an Individual Retirement Account or another qualified employer retirement plan will be subject to 20% Federal Income Tax and any applicable State Income Tax. A 10% Internal Revenue Code early withdrawal penalty tax may apply to the amount of your withdrawal if you are under the age of 59 and do not meet one of the Internal Revenue Code exceptions. For information regarding the taxation of amounts attributable to Roth contributions, see the Cash Distribution section below. The Plan Administrator will notify you of the appropriate procedures to make a withdrawal from the Plan. Consult your Plan Administrator for more information. Distribution of Benefits Eligibility For Benefits A distribution can be made to you if you request one due to your disability, retirement, or termination of employment from your Employer and any Related Employer. Your Beneficiary or Beneficiaries may request a distribution of your vested Account balance in the event of your death. The value of your Account balance will continue to increase or decrease, as appropriate, based on the investment returns until it is distributed. You may defer receipt of your distribution until a later date. However, you cannot postpone it if your vested Account balance is $1,000 or less in which case the Plan Administrator will direct the Trustee to distribute it to you as a lump sum distribution without your consent. If your vested Account balance exceeds $1,000, you may delay your distribution until you are required by law to receive minimum required distributions. You will have a continuing election to request a distribution if you elect to postpone your distribution unless you are re-employed by your Employer or any Related Employer. Your consent will be required for any distribution if your vested Account balance is greater than $1,000. Prior to such distribution you still have the right to request that the amount be distributed directly to you in the form of a lump sum payment or to request that it be rolled-over to a different IRA provider or another retirement plan eligible to receive rollover contributions. You should consult with your tax advisor to determine the financial impact of your situation before you request a distribution. You may apply for a distribution by calling the Fidelity Retirement Benefits Line at 1-800-294-4015. All telephone calls will be recorded. Most distributions have been pre-approved by the Plan Administrator. Distributable Events You are eligible to request a distribution of your vested Account balance based on any of the following events: Death If you are a Participant in the Plan and die, your vested Account balance, if any, will be paid to your designated Beneficiary or Beneficiaries. You may designate a Beneficiary or Beneficiaries on a designation form that must be properly signed and filed with the Plan Administrator. If you are married and want to designate someone other than your spouse as your primary Beneficiary, your spouse must consent to this designation by signing the form. His/her signature must be witnessed by a Plan representative or a notary public. You should contact the Plan Administrator to obtain a designation of beneficiary form. Disability If you become disabled while you are employed by your Employer or a Related Employer, so that you are eligible for disability benefits under your Employer's Long-Term Disability Plan or eligible for Social Security disability benefits or determined disabled by a physician selected by the Plan Administrator, the full value of your Account balance may be distributed to you upon request. You may request a distribution of your Account balance only if you terminate your employment with your Employer or Related Employer. Retirement You do not have to terminate your employment with your Employer just because you attain your normal retirement age of 55. Minimum Required Distributions You are required by law to receive a minimum required distribution from the Employers Plan, unless you are a five percent owner of the Employer, no later than April 1 of the calendar year following the calendar year you turn 70 or terminate your employment, whichever is later. If you are a five percent owner of the Employer, you must start receiving your distribution no later than April 1 of the calendar year following the calendar year you turn 70. Once you start receiving your minimum required distribution, you should receive it at least annually and you should complete the appropriate documentation each year until all assets in your Account are distributed. If you have any questions about your minimum required distributions, please contact your Plan Administrator. Termination of Employment Generally, if you terminate your employment with your Employer and all Related Employers, you may elect to receive a distribution of your vested Account balance from the Plan. Form of Payments Lump Sum Distributions Your entire vested Account balance will be paid to you in a single distribution or other distribution that you elect. Non-rollover Distribution Any distribution paid directly to you will be subject to mandatory Federal income tax withholding of 20% of the taxable distribution and the remaining amount will be paid to you. You cannot elect out of this tax withholding but you can avoid it by electing a direct rollover distribution as described below. This withholding is not a penalty but a prepayment of your Federal income taxes. Subject to certain exceptions (for example, with respect to a distribution of excess Deferral Contributions to Highly Compensated Employees due to nondiscrimination test results), the entire amount of your account under the Plan attributable to Roth contributions will be distributed to you free from Federal income tax (including the earnings portion) if the distribution occurs after the five taxable year period beginning with the first taxable year you made a designated Roth contribution to the Plan (or to a plan you previously participated in, if earlier, if amounts attributable to those previous Roth contributions were directly rolled over to this Plan), provided the distribution is also made: On or after you attain age 59 or To your beneficiary (or estate) on or after your death; or Pursuant to your being disabled. For example, if you made your first Roth contribution held within the Plan (or another qualified plan, as described in the Rollover Contributions section above) during July, 2006, attained age 59-1/2 on January 1, 2011 and were eligible for a distribution on January 3, 2011, the portion of your distribution attributable to Roth contributions would not be subject to Federal income tax upon distribution on January 3, 2011. You may rollover the taxable distribution you receive to an individual retirement account (IRA) or your new employers qualified plan, if it accepts rollover contributions and you roll over this distribution within 60 days after receipt. You will not be taxed on any amounts timely rolled over into the IRA or your new employers qualified Plan until those amounts are later distributed to you. Any amounts not rolled over may also be subject to certain early withdrawal penalties prescribed under the Internal Revenue Code. Direct Rollover Distribution As an alternative to a non-rollover distribution paid directly to you, you may request a rollover distribution of your entire eligible Account balance directly into a Fidelity Advisor IRA, a non-Fidelity Advisor IRA or to your new employers eligible plan, if it accepts your rollover contributions, or a 403(a) Annuity. Federal income taxes will not be withheld on any direct rollover distribution. Rollover to a Fidelity Advisor IRA - You must complete the appropriate documentation and a Fidelity Advisor IRA application. If your distribution is authorized by the Plan Administrator, it will be forwarded to the Trustee for processing. Your vested Account balance will be directly rolled over to a Fidelity Advisor IRA Rollover to a Non-Fidelity Advisor IRA - You must complete the appropriate documentation and indicate the name and address of the trustee, and IRA account number. If your distribution is authorized by the Plan Administrator, it will be forwarded to the Trustee for processing and they will issue a check payable to the IRA trustee or custodian for your benefit. The check will be mailed directly to you and contain the notation direct rollover and you will be responsible for forwarding it to the trustee or custodian of your IRA. Rollover to your New Employers Retirement Plan - You should check with your new employer to determine if its plan will accept your rollover contributions. If allowed, you must complete the appropriate documentation and indicate the name, address and plan number of your new employers retirement plan. If your distribution is authorized by the Plan Administrator, it will be forwarded to the Trustee for processing and they will issue a check payable to the trustee of your new employers plan. The check will contain the notation direct rollover and will be mailed directly to you and you will be responsible for forwarding on to the new trustee. Rollover to a 403(a) Annuity - You must complete the appropriate documentation and indicate the name and address of the trustee or custodian, and the 403(a) Annuity account number. If your distribution is authorized by the Plan Administrator, it will be forwarded to the Trustee for processing and they will issue a check payable to the 403(a) Annuity trustee or custodian for your benefit. The check will be mailed directly to you and contain the notation direct rollover and you will be responsible for forwarding it to the trustee or custodian of your 403(a) Annuity. Combination Non-rollover Distribution and Direct Rollover Distribution You may request that part of your distribution be paid directly to you and the balance rolled into an IRA, your new employers retirement plan, or a 403(a) annuity. Any part of the distribution paid directly to you will be subject to the Federal income tax withholding rules referred to in subsection a) above and any direct rollover distribution will be made in accordance with section b) above. Your direct rollover distribution must be at least $500. You will pay income tax on the amount of any taxable distribution you receive from the Plan unless it is rolled into an IRA or your new employers qualified Plan. A 10% IRS premature distribution penalty tax may also apply to your taxable distribution unless it is rolled into an IRA or another qualified plan. The 20% Federal income tax withheld under this section may not cover your entire income tax liability. In the case of a combination distribution, if any portion of the eligible rollover distribution consists of after-tax contributions, the amount paid directly to you will be considered to consist completely of after-tax contributions before any after-tax contributions are attributed to the portion paid as a direct rollover. Consult with your tax advisor for further details. If you decide to split a distribution into partially a cash distribution and partially a direct rollover distribution, the Plan rule providing that the amount directly rolled over must be at least $500 is applied by treating any amount distributed that is attributable to Roth deferral contributions as a separate distribution from the remainder of the distribution, even if the amounts are distributed at the same time. Installment Distributions Your vested Account balance will be paid to you in substantially equal amounts over a period of time. You may elect annual or more frequent installments. You may elect to receive a lump sum distribution after you start to receive installment distributions, by completing the appropriate documentation. The direct rollover distribution rules referred to in the lump sum distribution section also apply to installment distributions. Miscellaneous Information Benefits Not Insured Benefits provided by the Plan are not insured or guaranteed by the Pension Benefit Guaranty Corporation under Title IV of the Employee Retirement Income Security Act of 1974 because the insurance provisions under ERISA are not applicable to this particular Plan. You will only be entitled to the vested benefits in your Account based upon the provisions of the Plan and the value of your Account will be subject to investment gains and losses. Attachment of Your Account Your Account may not be attached, garnished, assigned or used as collateral for a loan outside of this Plan except to the extent required by law. Your creditors may not attach, garnish or otherwise interfere with your Account balance except in the case of a proper Internal Revenue Service tax levy or a Qualified Domestic Relations Order (QDRO). A QDRO is a special order issued by the court in a divorce, child support or similar proceeding. In this situation, your spouse, or former spouse, or someone other than you or your Beneficiary, may be entitled to a portion or all of your Account balance based on the court order. Participants and Beneficiaries can obtain, without a charge, a copy of QDRO procedures from the Plan Administrator. Plan-to-Plan Transfer Of Assets Your Employer may direct the Trustee to transfer all or a portion of the assets in the Account of designated Participants to another plan or plans maintained by your Employer or other employers subject to certain restrictions. The plan receiving the Trust Funds must contain a provision allowing the transfer and preserve any benefits required to be protected under existing laws and regulations. In addition, a Participants vested Account balance may not be decreased as a result of the transfer to another plan. Plan Amendment Your Employer reserves the authority to amend certain provisions of the Plan by taking the appropriate action. However, any amendment may not eliminate certain forms of benefits under the Plan or reduce the existing vested percentage of your Account balance derived from Employer contributions. If you have three or more years of service with your Employer and a Related Employer and the vesting schedule is amended, then you will be given a choice to have the vested percentage of future Employer contributions made to your Account computed under the new or the old vesting schedule. The Plan Administrator will provide you with the appropriate information to make an informed decision if the Plans vesting schedule is amended. Plan Termination Your Employer has no legal or contractual obligation to make annual contributions to or to continue the Plan. Your Employer reserves the right to terminate the Plan at any time by taking appropriate action as circumstances may dictate, with the approval of the Board of Directors. In the event the Plan should terminate, each Participant affected by such termination shall have a vested interest in his Account of 100 percent. The Plan Administrator will facilitate the distribution of Account balances in single lump sum payments to each Participant in accordance with Plan provisions until all assets have been distributed by the Trustee. Interpretation of Plan The Plan Administrator has the power and discretionary authority to construe the terms of the Plan based on the Plan document, existing laws and regulations and to determine all questions that arise under it. Such power and authority include, for example, the administrative discretion necessary to resolve issues with respect to an Employees eligibility for benefits, credited services, disability, and retirement, or to interpret any other term contained in Plan documents. The Plan Administrators interpretations and determinations are binding on all Participants, Employees, former Employees, and their Beneficiaries. Electronic Delivery This Summary Plan Description and other important Plan information may be delivered to you through electronic means. This Summary Plan Description contains important information concerning the rights and benefits of your Plan. If you receive this Summary Plan Description (or any other Plan information) through electronic means you are entitled to request a paper copy of this document, free of charge, from the Plan Administrator. The electronic version of this document contains substantially the same style, format and content as the paper version. Internal Revenue Code Tests Non-Discrimination Tests The Plan must pass Internal Revenue Code non-discrimination tests as of the last day of each Plan Year to maintain a qualified Plan. These tests are intended to ensure that the amount of contributions under the Plan do not discriminate in favor of Highly Compensated Employees. In order to meet the tests, your Employer encourages participation from all eligible Employees. Depending upon the results of the tests, the Plan Administrator may have to refund Deferral Contributions contributed to the Plan and vested matching contributions to certain Highly Compensated Employees, as determined under Internal Revenue Service regulations. Deferral Contributions or matching contributions will be refunded to you from applicable investment options. You will be notified by the Plan Administrator if any of your contributions will be refunded to you. In the event that the Plan Administrator distributes amounts attributable to excess Deferral Contributions to Highly Compensated Employees as a result of the nondiscrimination test applicable to Deferral Contributions, a Highly Compensated Employee who made both pre-tax and Roth Deferral Contributions during the applicable year will first receive a return of amounts attributable to pre-tax Deferral Contributions to the extent the Highly Compensated Employee made pre-tax Deferral Contributions during the applicable Plan Year. The remainder of any such distribution will come from amounts attributable to the Roth Deferral Contributions the Highly Compensated Employee made during the applicable Plan Year. Top Heavy Test The Plan is subject to the Internal Revenue Code top-heavy test. Each Plan Year, the Plan Administrator tests this Plan, together with any other Employer-sponsored qualified plans that cover one or more key employees, to ensure that no more than 60% of the benefits are for key employees. If this Plan is top-heavy, then your Employer may be required to make a minimum annual contribution on your behalf to this, or another Employer sponsored plan, if you are employed as of Plan Year-end. Participant Rights Claims Claims Procedures A plan participant or beneficiary may make a claim for benefits under the Plan. Any such claim you file must be submitted to the Plan Administrator in a form and manner acceptable to the Plan Administrator. Contact your Plan Administrator for more information. Generally, the Plan Administrator will provide you with written notice of the disposition of your claim within 90 days after receipt of your claim by the Plan. If the Plan Administrator determines that special circumstances require an extension of time to process your claim, the Plan Administrator will furnish written notice of the extension to the claimant prior to the expiration of the initial 90-day period. In no event shall such extension exceed a period of 90 days from the end of the initial period the Plan Administrator had to dispose of your claim. The extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Plan expects to render the benefit determination. (A different procedure applies for disability related claims see the next paragraph). In the event the claim is denied, the Plan Administrator will disclose to you in writing the specific reasons for the denial, a reference to the specific provisions of the Plan on which the determination is based, a description of additional material or information necessary for the claimant to perfect the claim and an explanation of why it is required, and information about the steps that must be taken to submit a timely request for review, including a statement of your right to bring a civil action under Section 502(a) of ERISA following as adverse determination upon review. If your claim concerns disability benefits under the Plan, the Plan Administrator must notify you in writing within 45 days after you have filed your claim in order to deny it. If special circumstances require an extension of time to process your claim, the Plan Administrator must notify you before the end of the 45-day period that your claim may take up to 30 days longer to process. If special circumstances still prevent the resolution of your claim, the Plan Administrator may then only take up to another 30 days after giving you notice before the end of the original 30-day extension. If the Plan Administrator gives you notice that you need to provide additional information regarding your claim, you must do so within 45 days of that notice. Review Procedures (For Appeal of an Adverse Benefit Determination) You may appeal the denial of your claim made under the procedures described above within 60 days after the date following your receipt of notification of the denied claim (a different procedure applies for disability related claims see the next paragraph) by filing a written request for review with the Plan Administrator. This written request may include comments, documents, records, and other information relating to your claim for benefits. You shall be provided, upon your request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to your claim for benefits. The review will take into account all comments, documents, records, and other information submitted by you relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. Generally, the Plan Administrator will provide you with written notice of the disposition of your claim on review within 60 days after receipt of your appeal by the Plan. If the Plan Administrator determines that special circumstances require an extension of time to process your claim, the Plan Administrator will furnish written notice of the extension to the claimant prior to the expiration of the initial 60-day period. In no event shall such extension exceed a period of 60 days from the end of the initial period the Plan Administrator had to dispose of your claim. The extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Plan expects to render the benefit determination. (A different procedure applies for disability related claims see the next paragraph). In the event the claim on review is denied, the Plan Administrator will disclose to you in writing the specific reasons for the denial, a reference to the specific provisions of the Plan on which the determination is based, a description of additional material or information necessary for the claimant to perfect the claim and an explanation of why it is required, and information about the steps that must be taken to submit a timely request for review, including a statement of your right to bring a civil action under Section 502(a) of ERISA following as adverse determination upon review. If your initial claim was for disability benefits under the Plan and has been denied by the Plan Administrator, you have 180 days from the date you receive notice of your denial in which to appeal that decision. Your review will be handled completely independently of the findings and decision made regarding your initial claim and will be processed by an individual who is not a subordinate of the individual who denied your initial claim. If your claim requires medical judgment, the individual handling your appeal will consult with a medical professional who was not consulted regarding your initial claim and who is not a subordinate of anyone consulted regarding your initial claim and identify that medical professional to you. The Plan Administrator must notify you in writing within 45 days after you have filed your claim in order to deny it. If the Plan Administrator determines that special circumstances require an extension of time to process your claim, the Plan Administrator will furnish written notice of the extension to the claimant prior to the expiration of the initial 45-day period. In no event shall such extension exceed a period of 45 days from the end of the initial period the Plan Administrator had to dispose of your claim. The extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Plan expects to render the benefit determination. The Plan Administrator shall notify you of the Plan's benefit determination on review within a reasonable period of time, but not later than 60 days after receipt of your request for review by the Plan, unless the Plan Administrator determines that special circumstances require an extension of time for processing the claim. If the Plan Administrator determines that an extension of time for processing is required, written notice of the extension shall be furnished to you prior to the termination of the initial 60-day period. In no event shall such extension exceed a period of 60 days from the end of the initial period. The extension notice shall indicate the special circumstances requiring an extension of time and the date by which the Plan expects to render the determination on review. The Plan Administrator shall provide you with written notification of a plans benefit determination on review. In the case of an adverse benefit determination, the notification shall set forth, in a manner calculated to be understood by you the specific reason or reasons for the adverse determinations, reference to the specific plan provisions on which the benefit determination is based, a statement that you are entitled to receive, upon your request and free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to your claim for benefits. Statement of ERISA Rights As a Participant in the Plan, you are entitled to certain rights and protections under ERISA. ERISA provides that all Plan Participants shall be entitled to: Receive Information About Your Plan and Benefits Examine, without charge, at the Plan Administrator's office and at other specified locations, such as worksites and union halls, all documents governing the Plan, including insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the plan, including insurance contracts and collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated Summary Plan Description. The Plan Administrator may make a reasonable charge for the copies. Receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to furnish each Participant with a copy of this Summary Annual Report each year. Obtain a statement telling you the fair market value of your vested, accrued benefit, as of the date for which the benefits are reported, if you stop working under the Plan now. If you do not have a right to a benefit under the plan, the statement will tell you how many more years you have to work to get a right to a benefit. This statement must be requested in writing and is not required to be given more than once every twelve (12) months. The Plan must provide the statement free of charge. Prudent Actions by Fiduciaries In addition to creating rights for Plan Participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Plan, called fiduciaries of the Plan, have a duty to do so prudently and in the interest of you, other Plan Participants and Beneficiaries. No one, including your Employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a retirement benefit or exercising your rights under ERISA. Enforce Your Rights If your claim for a benefit under the Plan is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of plan documents or the latest annual report from the Plan and do not receive them within 30 days, you may file suit in a Federal court. The Plan's agent for legal service of process in the event of a lawsuit is the Plan Administrator. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a state or Federal court. In addition, if you disagree with the Plan's decision or lack thereof concerning the qualified status of a domestic relations order, you may file suit in Federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a Federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim frivolous. Assistance with Your Questions If you have any questions about your Plan, you should contact the Plan Administrator. If you have any questions about this statement or your rights under ERISA, or if you need assistance in obtaining documents from the Plan Administrator, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration. Services and Fees Fees and expenses charged under your Account will impact your retirement savings, and fall into three basic categories. Investment fees are generally assessed as a percentage of assets invested, and are deducted directly from your investment returns. Investment fees can be in the form of sales charges, loads, commissions, 12b-1 fees, or management fees. Certain of these Investment fees may not apply depending upon the funds and share classes available in the Plan. You can obtain more information about such fees from the documents (e.g., a prospectus) that describe the investments available under your Plan and from Appendix A: Investment Options. Plan administration fees cover the day-to-day expenses of your Plan for recordkeeping, accounting, legal and trustee services, as well as additional services that may be available under your Plan, such as daily valuation, telephone response systems, internet access to plan information, retirement planning tools, and educational materials. In some cases, these costs are covered by investment fees that are deducted directly from investment returns. In other cases, these administrative fees are either paid directly by your Employer, or are passed through to the participants in the Plan, in which case a recordkeeping fee will be deducted from your Account. Transaction-based fees are associated with optional services offered under your Plan, and are charged directly to your Account if you take advantage of a particular plan feature that may be available, such as a Plan loan. For more information on fees associated with your Account, refer to your Account statement or speak with your Plan Administrator. Investment Options You have the opportunity to direct the investments of your Account among the following investment funds: NameFund CodeFund ObjectiveFidelity Cash Management Prime Fund: Daily Money Class0083Seeks to obtain as high a level of current income as is consistent with the preservation of capital and liquidity.Fidelity Advisor Stable Value Portfolio II0771Seeks to preserve your principal investment while earning interest income. The FA Stable Value Portfolio will try to maintain a stable $1 unit price, but it cannot guarantee that it will be able to do so. The yield of the FA Stable Value Portfolio will fluctuate.Loomis Sayles Bond Fund Administrative ClassOMALSeeks to provide high total investment return through a combination of current income and capital appreciation.Fidelity Advisor Short Fixed Income Fund Class A0263Seeks to provide a high level of current income, consistent with the preservation of capital. Where appropriate the fund will take advantage of opportunities to realize capital appreciation.Fidelity Advisor Emerging Markets Income Fund Class A0255Seeks to provide a high level of current income. As a secondary objective, the fund seeks to provide capital appreciation.Oppenheimer International Bond Fund Class AOKABSeeks to provide total return.Fidelity Advisor Equity Income Fund Class A0246Seeks to provide a yield from dividend and interest income which exceeds the composite dividend yield on securities comprising the S&P 500 . In addition, consistent with the primary objective of obtaining dividend and interest income, the fund will consider the potential for achieving capital appreciation.Columbia Mid Cap Value Fund Class AOSWQThe fund seeks long-term capital appreciation.Heartland Value FundOMAGSeeks to provide long-term capital appreciation.Dreyfus S&P 500 Index FundOFYPSeeks to match the total return of the S&P 500 Index.Fidelity Advisor Dividend Growth Fund Class A0714Seeks to provide capital appreciation.Invesco Basic Value Fund Class AOMQNSeeks to provide long-term growth of capital.Fidelity Advisor Leveraged Company Stock Fund Class A0102Seeks to provide capital appreciation.Fidelity Advisor Small Cap Fund Class A0294Seeks to provide long-term growth of capital.Neuberger Berman Genesis Fund Advisor ClassOFYDSeeks to provide growth of capital.Fidelity Advisor Equity Growth Fund Class A0245Seeks to provide capital appreciation.Fidelity Advisor Mid Cap Fund Class A0251Seeks to provide long-term growth of capital.Fidelity Advisor Diversified International Fund Class A0731Seeks to provide capital growth.Fidelity Advisor Health Care Fund Class A0177Seeks to provide capital appreciation. Fidelity Advisor Freedom Income Fund Class A1205The fund is designed for those investors already in retirement. The fund seeks high total return with a secondary objective of principal appreciation.Fidelity Advisor Freedom 2005 Fund Class A1291The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2010 Fund Class A1184The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2015 Fund Class A1296The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2020 Fund Class A1189The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2025 Fund Class A1302The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2030 Fund Class A1194The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2035 Fund Class A1307The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2040 Fund Class A1199The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2045 Fund Class A1599The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.Fidelity Advisor Freedom 2050 Fund Class A1605The fund is designed for investors expecting to retire around the year indicated in the fund name. The fund seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond. If you have not supplied investment instructions, your Employer has directed that your contributions to the plan will be invested, based upon your date of birth, in the Fidelity Advisor Freedom Funds described in the above table of this Appendix A. These funds are subject to the volatility of the financial markets and may be subject to the additional risks associated with investing in high yield, small cap and foreign securities including the risk of loss of your principal investment. You may redirect the investment of your future contributions or exchange your existing Account balance among available investment options by calling 1-800-294-4015 on any business day between 8:30 AM (ET) and 8:00 PM (ET). This is an automated telephone service and you should follow the telephonic instructions or you can press the appropriate number if you want to talk to a Fidelity telephone representative. All representative-assisted calls will be recorded for your protection. You may call the telephone number virtually 24 hours a day, seven days a week to check Account balances, prices, yields or obtain investment information. You may also use the internet to redirect the investment or your future contributions or exchange your existing Account balance by logging onto NetBenefits at www.netbenefits.com. Please contact the Plan Administrator for further information. Exchanges received and confirmed before the close of the market (usually 4:00 PM (ET)) will be posted on that business day based upon the closing price of the affected investment(s). Exchanges received and confirmed after the market close will be processed on the next business day based upon the closing price of the affected investment(s) on that next business day. The minimum exchange is the lesser of $250 or 100% of your Account balance in the investment option. If your exchange is less than $250 then it may only be exchanged into one investment option. A confirmation of your change in the investment of your future contributions or your exchange of an existing fund will be sent to you within five business days or an online confirmation will be displayed on NetBenefits. Fidelity reserves the right to change, restrict, or terminate exchange procedures to protect mutual fund shareholders. Exchanges from the Fidelity Advisor Stable Value Portfolio - Class II to certain bond or money market funds (considered competing funds), must first be exchanged to an option that is non-competing , such as an equity mutual fund. Ninety-days after your exchange, you can then exchange your money to a competing fund by calling the Fidelity Participant Services Group Representative at 1-800-294-4015. You may also contact your Plan Administrator for more information. While this requirement may seem restrictive, it is typically imposed by issuers, such as insurance companies, banks, or other approved financial institutions as a condition for issuing investment contracts to retirement plans. You may also contact your Plan Administrator for more information.     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