The Company expects and intends to continue the plans in your benefits program but reserves its right to terminate each of the plans, in whole or in part, without notice.  The Company also reserves its right to amend each of the plans at any time.

The Company may also increase or decrease its contributions or the participants’ contributions to the plans.

The Company’s decision to terminate or amend a plan may be due to changes in federal or state laws governing pension or welfare benefits, the requirements of the Internal Revenue Code or ERISA, or any other reason.  A plan change may result in the transfer of plan assets and debts to another plan or split a plan into two or more parts.  If the Company does terminate or amend a plan, it may decide to set up a different plan providing similar or identical benefits, but it is under no obligation to do so.

If the pension plan or savings program is terminated while you are an employee of the Company, you will become immediately vested in your accrued retirement benefit under the pension plan or the entire value of your savings program account, as applicable.

If a welfare plan is terminated, you will not have any further rights, other than the payment of benefits for covered losses or expenses incurred before the plan was terminated, and for covered medical plan expenses related to a total disability existing before the plan was terminated, which are incurred within three months after termination of the plan.  The amount and form of any final benefit you or your beneficiary receives will depend on any insurance contract provisions affecting the plan and the Company’s decisions.