Retirement Savings Plan

If payments are deferred, your account will continue to be invested in the investment funds of
your choice.
Automatic Rollover to an IRA
As stated in the previous subsection, if the value of your account upon your termination of
employment is $5,000 or less (excluding your rollover contributions), a single lump sum payment
will be made as soon as administratively practicable. In general, you may elect whether to receive
this payment in cash, or to roll over the distribution to another plan or an individual retirement
account ("IRA").
If the amount of your distribution is more than $1,000 (including your rollover contributions) but
less than or equal to $5,000 (excluding your rollover contributions), and you do not make an
election with respect to this payment within 90 days of receiving the written election material, the
distribution will be rolled over automatically to an IRA established in your name with Charles
Schwab. Your account will be invested in a type of investment designed to preserve principal and
provide a reasonable rate of return and liquidity (e.g., an interest-bearing account, a certificate of
deposit or a money market fund). Your account will be charged for any expenses associated with
the establishment and maintenance of the IRA and with the IRA investments. You may transfer
the IRA funds, at any time and without cost, to any other IRA you choose. You may contact the
Plan Administrator at the address and telephone number indicated on page 27 for further
information regarding the Plan's automatic rollover provisions, including the fees and expenses
associated with the IRA.
Required Distribution
Generally, the law requires that distribution of your benefit must begin no
later than 60 days after the end of the Plan Year in which the latest of the
following occurs:
• your 65th birthday;
• the 10th anniversary of your participation date; or
• the date you terminate employment with the Company.
Notwithstanding the foregoing general rule, the law requires that you
begin to receive a distribution no later than the April 1 following the later
of (1) the year in which you attain age 70½ or (2) the year in which you retire. If you are a five
percent owner, as defined in the Code, you must begin receiving distributions no later than the
April 1 of the calendar year following the year in which you attain age 70½, even if you have not
yet retired.
In the event of your death, any amounts payable to your beneficiary will be made as soon as
administratively practicable following your death.
Assignment of Benefits
Your benefits under this Plan are provided solely for you or your designated beneficiary.
Generally, they cannot be assigned to anyone else. Other than as specifically required by the
Plan or federal law, your account balance may not be sold, used as collateral for a loan, given
away, or otherwise transferred. In addition, your creditors may not attach, garnish, or otherwise
interfere with your account. However, the Plan will honor qualified domestic relations orders
(“QDROs”) issued under domestic relations or community property law. A QDRO is defined as a
decree or order that obligates you to pay child support or alimony, or otherwise allocates a portion
of your assets in the Plan to your spouse, former spouse, child, or other dependent. Any portion
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