Retirement Savings Plan

Company Retirement Contributions
For each payroll period, the Company will make a Company retirement contribution to the Plan on
your behalf. As demonstrated in the chart below, the Company retirement contributions are
determined by your age as of the last day of the pay period and your compensation, as follows:
Your Age
Company Retirement Contribution
as a Percentage of Your Compensation
Under 35 1.0%
35 - 39 2.0%
40 - 44 2.5%
45 - 49 3.5%
50 - 54 4.0%
55 and over 4.5%
For purposes of the Company Retirement Contribution, your compensation is that compensation
(as defined above) received during the payroll period for which the contribution is made.
If you return to employment with the Company following a period of Qualified Military Service, you
will be eligible to receive missed Company retirement contributions that would have been made
on your behalf if not for the period of Qualified Military Service, provided you return to
employment while your right to reemployment is protected by law.
VI. LIMITATIONS ON CONTRIBUTIONS
The Federal government has certain guidelines on all contributions
made to the Plan. If any of the following rules and limitations
applies to you, you will be notified.
Before-Tax Contributions
Your before-tax contributions are subject to a government-specified limit, as described in Section
IV above. The Plan Administrator will advise you each year of the limitation in effect for that year.
If you reach the government-specified maximum, your before-tax contributions will be suspended
for the remainder of the Plan Year. The following January 1, your before-tax contributions will
resume at the same rate you had selected prior to the suspension. Once you reach the beforetax
maximum, you may commence (or continue) making after-tax contributions for the remainder
of the Plan Year, subject to the applicable statutory and Plan limits.
All Contributions
The U.S. tax code imposes limitations on the amounts that can be contributed to qualified
retirement plans. Some of these limitations are intended to make sure that lower-paid as well as
higher-paid employees benefit equitably from the advantages offered by the Plan. If the Plan
doesn’t meet these limitations, some higher-paid employees may be required to reduce their
before-tax contributions either by lowering their contribution percentages or by receiving a refund
of monies after the end of the Plan Year. The Plan Administrator reserves the right to reduce the
contribution percentages of any higher-paid employee in order to comply with these rules. These
limitations are subject to periodic change by the IRS and normally apply only to highly
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