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

If You Are on a Leave of Absence

If You Are on a Disability Leave

If you are temporarily disabled, your before-tax, catch-up, and after-tax contributions and the Company’s matching contributions and non-elective contributions will continue while you are receiving benefits from the Company’s short-term disability (“STD”) plan. While you are temporarily disabled, you will receive Continuous Service credit as described in Counting Hours of Service. The amount of your benefit from the STD Plan replaces the base salary component of the Eligible Pay on which the Company’s contribution to your profit sharing sub-account is based.

If you are receiving benefits from the Company’s LTD plan, you are considered to be on a Disability Leave, unless your Disability Leave ends under one of the terms described below, until the earliest of the dates described below:

You are no longer disabled under the Company’s LTD plan;
You die or otherwise terminate your employment with the Company; and
You receive or commence to receive a distribution under any defined benefit plan of the Sponsor or the Company.

While on a Disability Leave, you will receive Continuous Service credit as described in Counting Hours of Service for purposes of vesting until the earliest of the dates described above.

If you are on a Disability Leave as defined under the terms of the Plan, you will not be permitted to make before-tax, Roth, catch-up, or after-tax contributions and will not receive employer matching contributions or non-elective contributions. However, as long as you are on Disability Leave as defined under the terms of the Plan, you will continue to be eligible for profit sharing contributions to your profit sharing sub-account as long as you continue to receive LTD benefits from the Company. These profit sharing contributions are based on the same pay used to calculate your LTD benefit. You will be eligible for these contributions for as long as you are on Disability Leave.

Note that receiving benefits from the Company’s LTD Plan does not automatically mean you are on a Disability Leave as defined under the terms of the Plan. For example, you are receiving benefits from the Company’s LTD Plan through 2030, but your employment with the Company terminates as of December 31, 2025. You will receive in early 2026 any profit sharing contributions to which you are eligible that are attributable to the 2025 plan year. However, you will not be eligible for any profit sharing contributions attributable to the 2026 plan year and future years since you are no longer on a Disability Leave as defined under the terms of the Plan.

In addition, you may request a withdrawal of your Plan Account (minimum of $1,000) while you are disabled and receiving benefits from the Company’s LTD plan. Please refer to Disability Withdrawals for additional information.