You are entitled to the vested amount in your accounts if you leave the Company for any reason. (See "Vesting" for more information.)

If your vested account balance (other than your rollover account) exceeds $5,000, you have the option of requesting a distribution of benefits or maintaining your accounts in the Plan. Your benefits will be paid as soon as administratively feasible after you request the distribution.

If your vested account balance (other than your rollover account and any money attributable to the Plan's pre-1988 money purchase plan feature) does not exceed $5,000, you do not have the option of maintaining your accounts in the Plan. Your benefits will be distributed to you in a lump sum payment (subject to the Automatic Rollover discussed below) as soon as administratively feasible following your severance from employment.

Whether or not your vested account balance exceeds $5,000, you may elect to have your lump sum distribution transferred to an eligible retirement plan in a "direct rollover."

If the value of your account exceeds $1,000 but does not exceed $5,000, and after receiving all required notices you do not affirmatively elect to receive your distribution directly or to have it rolled over, the vested amount in your accounts will be automatically rolled over by the Plan to an IRA with The Vanguard Group. Your account will be automatically invested in Vanguard Prime Money Market Fund, a fund designed to preserve principal, provide a reasonable rate of return, and maintain liquidity. You will be responsible for paying all fees and expenses assessed against your automatic rollover IRA. The fees and expenses will be comparable to the fees and expenses charged by Vanguard for other IRAs. For additional information on the Plan's automatic rollover rules, a Vanguard IRA, and the fees and expenses associated with a Vanguard IRA, call Vanguard at 800 523 1188.

If you receive a distribution before age 59-1/2, the distribution may be subject to a 10% excise tax in addition to being considered taxable income in the year it is distributed to you.