Enrollment in the plan can be made online at mydeferral.com during the initial or annual enrollment period. The information below is intended to provide an overview of the Enrollment options. For additional information, review the plan resources under the "Resource" section.

ELECTIVE DEFERRALS

The first decision you must make is how much to defer into the plan for this plan year. You may elect to defer from the following types of compensation in whole percentages or stated dollar amounts:

• Up to 50% of your base salary earned for the plan year
• Up to 100%* of any Bonus (as defined by the plan) earned during the plan year and payable in the subsequent plan year
• An amount equal to your 401k Excess Refund

Your deferral elections must be made during the initial or annual enrollment period and will apply to compensation you earn in the calendar year following your election. Each deferral election is valid for one plan year only. You cannot change the amount of your deferrals once they become irrevocable for the plan year. For example, salary deferral elections become final as of December 31 of the prior calendar year. There are limited exceptions to this rule, for example if you receive a hardship withdrawal from your 401(k) plan, your deferrals to this plan may stop.

DISTRIBUTIONS

Your account, or subaccount, is paid to you (or your beneficiary in the event of your death) upon the occurrence of certain distribution events, including:

• Separation from Service
• In-Service account date
• Disability or death
• An unforeseeable emergency

The plan allows you to change your payout elections for each subaccount provided you comply with IRC 409A rules as follows:

• The request must be submitted to the company at least 12 months prior to the original distribution date;
• The change elected does not take effect until 12 months after the change is made;
• The new payout date is at least five years subsequent to the initial payout date.

INVESTMENTS

You determine how your account is invested by choosing among a menu of investment options selected by the company. You may elect different options for each distribution subaccount you establish. You may elect any combination of the investments available in the plan, provided the amounts indicated are in whole percentages.

You may adjust your investment funds at any time during the year via the internet. Investment change requests received by 4:00 PM ET will be initiated the same business day, and changes received after 4:00 PM ET will be initiated as soon as possible, but no later than the next business day.