Introduction
Employees of an Acquired Company
Eligibility and Enrollment
- Who Is Eligible
- Individuals Not Eligible
- Enrolling to Participate in the Plan
- Eligible Pay
- Naming a Beneficiary
- Changing Your Beneficiary
Continuous Service and Breaks in Service
- Continuous Service
- Counting Hours of Service
- Breaks in Service and Reemployment
Plan Contributions and Contribution Limits
- Your Before-Tax, Roth and After-Tax Contributions
  - How Before-Tax, Roth and After-Tax Contributions Differ
- Changing Your Contributions
- Catch-up Contributions
- How to Elect Catch-up Contributions
- Employer Matching Contributions
- Employer Non-Elective Contributions
- Profit Sharing Contributions
- Rollover Contributions
Vesting
Investment Options
- Investment Information
- The Managed Account Option
- The Importance of Diversification
- Default Investment Option
- Additional Rules and Information on the Investment Options
Changing Your Investments
- Existing Account Balance
- How Often You Can Make Changes
- When Changes Take Effect
- Automatic Rebalancing
- Restrictions on Reallocation
- Restrictions on Transfers from the Stable Assets Fund to Other Investment Options
- Blackout Periods
- Future Contributions
- When Changes Take Effect
- Fund Performance
- Fees
- Daily Valuations
Accessing Your Plan Account
Loans and Withdrawals
- Loans
Distribution Options Upon Termination of Employment
- Distribution Options
- How to Elect a Distribution
- Deferring Distribution
In the Event of Your Death
If You Are on a Leave of Absence
- If You Are on a Disability Leave
- If You Are on a Military Leave of Absence
  - How Your Plan Participation Is Affected
  - Loans While on Military Leave
- If You Are on a Parental Leave
- If You Are on Another Type of Approved Unpaid Leave of Absence
Fidelity Customer Protection Guarantee
- How the Guarantee Works
- What You Need to Do
- What If I Have a Claim?
- What if Fidelity denies my claim?
- What’s Not Covered
- For More Information
Other Important Plan Information
- If Your Job Status Changes or You Transfer
- If You Formerly Participated in Another Plan
- Top-Heavy Rules
- Nondiscrimination Rules
- Amendment and Termination
- Source of Benefits
- Restrictions on Payments
- Not a Contract of Employment
When Participation Ends
How Taxes Affect Your Benefit
- Your Contributions
- Tax on Distributions and Withdrawals
- Eligible Rollover Distributions
- Special Rules for Stock Distributions
- Additional Information
How to Apply for Benefits
Claims and Appeal Procedures
- Claims Procedure
- Appeals Procedure
- Extension of deadlines
- Judicial Review
Other Important Plan Information
- Administrative Information
Your Rights Under ERISA
- Receive Information About Your Plan and Benefits
- Prudent Actions by Plan Fiduciaries
- Enforce Your Rights
- Assistance with Your Questions
Your Responsibilities

Plan Contributions and Contribution Limits

Employer Matching Contributions

Once you meet the eligibility requirements, you have an added incentive to save for retirement – employer matching contributions. (Please refer to Who Is Eligible for more information regarding eligibility). The Company will contribute an amount equal to 100% of the first 4% of Eligible Pay that you contribute each pay period as tax- deferred and/or Roth contributions. At the end of the calendar year (or quarterly, to participants making catch-up contributions), the Company will make an additional matching contribution, only if necessary to ensure that your matching contributions for the calendar year equal 100% of the first 4% of Eligible Pay contributed as before-tax and/or Roth contributions for the calendar year.

Please note that employer matching contributions will be applied to before-tax and/or Roth contributions but will not apply to after-tax contributions or rollover contributions. Employer matching contributions will also not apply to catch-up contributions.

No employer matching contributions will be paid on before-tax and/or Roth contributions that exceed 4% of your Eligible Pay or on Eligible Pay from which no contributions are made to the Plan.

The Company may amend the Plan, at any time during the Plan year, to reduce or suspend employer matching contributions. If the Company amends the Plan to reduce or suspend employer matching contributions during the Plan year, the Plan Administrator will provide a supplemental notice to Eligible Employees and the reduction or suspension will not apply until at least 30 days after that notice is provided.