Eligibility and Enrollment

Changing Your Beneficiary

You may change your beneficiary at any time by visiting www.netbenefits.com or by calling Fidelity at 1-800-835-5095. To change your beneficiary, please follow the process noted above for designating a beneficiary. If you have a Spouse at the time you change your beneficiary, remember that you need your Spouse’s written, notarized consent to name anyone other than your Spouse as your primary beneficiary.

To ensure that, in the event of your death or divorce, the assets in your Plan Account are distributed in accordance with your wishes, it is important to keep your beneficiary form for the Plan up to date.

A beneficiary designation dated prior to December 31, 2005 (December 31, 2007, if you are a Guild-Represented Eligible Employee) will not apply to your entire Plan Account (as defined in Plan Contributions and Contribution Limits). If you designated a beneficiary (in accordance with Naming a Beneficiary) prior to December 31, 2005 (December 31, 2007, if you are a Guild-Represented Eligible Employee) with respect to the Predecessor SIP, and do not make a subsequent beneficiary designation, that designation will apply to your after-tax sub-account, Roth sub-account, before-tax sub- account, employer matching sub-account, and rollover sub-account only. That designation will not apply to the assets in your profit sharing sub-account or employer non-elective contribution sub-account, as applicable.

If you designated a beneficiary (in accordance with Naming a Beneficiary) prior to December 31, 2005, with respect to the Predecessor Profit Sharing Plan (or December 31, 2007, with respect to the Predecessor Guild Profit Sharing Plan), and do not make a subsequent beneficiary designation, that designation will apply to your profit sharing sub-account. It will not apply to the sub-accounts for other types of contributions. For more information on your Plan Account and sub-accounts, please refer to Plan Contributions and Contribution Limits.

Beneficiary designations made subsequent to December 30, 2005 (or December 31, 2007, with respect to the Predecessor Guild Profit Sharing Plan) will apply to your entire Plan Account, and cannot apply separately to your profit sharing, after-tax, tax deferred, employer matching, employer non-elective or rollover sub-accounts.