The Savings Program is completely voluntary. When you begin work, you will receive a Savings Program enrollment kit, which includes this summary plan description, investment fund prospectuses and fact sheets, as well as beneficiary designation and rollover contribution forms. You will also receive a separate mailing containing your web password and personal identification number (PIN).

You can start participating in the Savings Program on your first day of employment by logging on to the website at www.401kaccess.com and entering your account number which is your Social Security Number or by calling the Participant Services information line at 1-800-777-4015 to elect:

• the percentage you wish to save
• how you want to save – on a before-tax basis, an after-tax basis, a Roth basis, or a combination of all three
and
• your investment choices.

Your payroll deductions will begin as soon as administratively possible, generally within two pay periods.

Once you have enrolled, your contribution amount and investment choices will remain in effect until you make a change.

A few days after you enroll, a confirmation statement will be sent to your home. You should review the statement carefully to make sure your participation and election information is correct.

Naming Your Beneficiary
Your beneficiary is the person you name to receive benefits from the Savings Program if you die with a vested balance remaining in your Savings Program account. Your beneficiary can be anyone you wish. However, if you have been married for at least one year and you wish to name someone other than your spouse, you must have your spouse’s written and notarized consent.

Be sure to keep your beneficiary designation up to date. If you do not make a valid beneficiary designation and you have been married for at least one year at the time of your death, your spouse will receive the value of your vested Savings Program account. If you are single and do not name a beneficiary, your vested Savings Program account will be paid to your personal representative if one is appointed within 12 months of your death or if none is appointed to your heirs-at-law.

You may change your beneficiary at any time. Simply call the Participant Services information line or use the Internet to complete the form online or to print the form. Your beneficiary election will be effective when Participant Services receives your completed form.