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

Other Important Plan Information

Restrictions on Payments

Your Plan benefits are intended to provide retirement income to you and your beneficiary. You or your beneficiary cannot assign, transfer, or pledge the benefits payable to you to another person. However, your Plan Account can be paid according to a QDRO.

Key Term
A QDRO is an order from a state court that meets certain legal specifications and directs the Plan Administrator to pay all or a portion of a participant’s Plan benefits to a Spouse, former Spouse, child or other dependent. A QDRO is issued pursuant to a divorce or marital separation.

You will be notified if an attempt is made to assign all or a portion of your Plan Account through a QDRO. In addition, your Plan Account will be charged a processing fee of $300 per standard web-generated order, $1,200 per modified web-generated or custom order or $1,800 per order covering multiple retirement plans, including the Plan, for any QDRO.

For more information or for a copy of the procedures governing QDROs (provided at no charge), please visit www.netbenefits.com or call Fidelity at 1-800-835-5095.

In addition, if you commit a crime against the Plan or you breach a fiduciary duty to the Plan, a court may order, or a legal settlement between you and a government agency may provide, that all or a portion of your Plan Account will be paid to the Plan.