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

Loans and Withdrawals

Loans

Hardship Withdrawals

In certain circumstances, you may qualify for a pro-rata withdrawal from the vested balances of all available sub-accounts because of financial hardship. Requests for hardship withdrawals are subject to review and approval by the Plan Administrator. Hardship withdrawals may be granted for the following immediate and heavy financial needs:

To cover medical expenses incurred by you, your Spouse or your dependents or your primary beneficiary (expenses not paid by insurance or any other employer-provided benefit plan);
To pay costs related to buying your primary residence (but not to pay mortgage payments);
To make tuition payments (including room and board and related educational expenses) for the next 12 months of post-secondary education for you, your Spouse, your children or your dependents or your primary beneficiary;
To make payments necessary to prevent eviction from or foreclosure on your primary residence;
To pay burial or funeral expenses for a member of your immediate family (Spouse, parents, children, or dependents) or your primary beneficiary;
To pay expenses for repair or damage to your primary residence that would qualify for the casualty loss deduction under Code Section 165 regardless of whether the residence is located in a federally-declared disaster area (and without regard to whether the loss exceeds 10% of adjusted gross income); or
To pay expenses and losses (including the loss of income) incurred by you on account of a disaster declared after December 31, 2018 by the Federal Emergency Management Agency (FEMA) under the Robert T. Stafford Disaster Relief and Emergency Assistance Act, provided that your principal residence or principal place of employment at the time of the disaster was located in an area designated by FEMA for individual assistance with respect to the disaster.

If you have an immediate and heavy financial need (a hardship) and you have already exhausted all available funds (excluding loans) in your Plan Account and all other plans of deferred compensation currently available to you, you may withdraw pro rata all or any portion of vested balances of all available sub-accounts, unless you request that your withdrawal be taken from certain sub- accounts by calling Fidelity at 1-800-835-5095.

You are responsible for paying applicable taxes on the amounts you receive as a hardship withdrawal, including earnings on your after-tax contributions or Roth contributions. A 10% early distribution tax may apply as explained in How Taxes Affect Your Benefit.

The minimum you may withdraw for a hardship withdrawal is $500; the maximum is the amount necessary to satisfy your immediate and heavy financial need.

Requests for hardship withdrawals are subject to review and approval by the Plan Administrator. If you are requesting a hardship withdrawal, you will be required to provide a written statement that you do not have cash or other liquid assets to satisfy the immediate and heavy financial need. You may request a withdrawal at any time by visiting www.netbenefits.com or by calling Fidelity at 1-800-835-5095.