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<br />." <br /> <br />TABLE OF CONTENTS <br /> <br />I <br />ELIGIBILITY <br /> <br />1. When Can I Become a Participant in the Plan? .................................................................1 <br />2. What Are the Eligibility Requirements for Our Plan? ........................................u...............1 <br /> <br /> <br />3. When Is My Entry Date?. ........ ...u. .............. ............. ............... ............. ......... .................... 1 <br /> <br />4. Are There Any Employees Who Are N()t Eligible? .............................................................2 <br />5. What Must I Do to Enroll in the Plan? .......................................................,........................ 2 <br /> <br />II <br />OPERATION <br /> <br />1. How Does This Plan Operate? ..........................................................................................2 <br /> <br />III <br />CONTRIBUTIONS <br /> <br />1. How Much of My Pay May the Employer Redirect? ...........................................................2 <br />2. How is My Compensation Measured Under Our Plan? .....................................................3 <br />3. What Happens to Contributions Made to the Plan? ...........................................................3 <br />4. When Must I Decide Which Accounts I Want to Use? ....................................................... 3 <br />5. When Is the Election Period for Our Plan? ........................................................................ 3 <br />6. May I Change My Elections During the Plan Year? .........................................:_................ 3 <br />7. May I Make New Elections in Future Pian Years? ............................................-_............... 5 <br /> <br />IV <br />BENEFITS <br /> <br />1. What Benefits Are Available? .. ................... .............. .................. .................... ..... .............. 5 <br /> <br />V <br />BENEFIT PAYMENTS <br /> <br />1. When Willi Receive Payments From My Accounts? .........................................................7 <br />2. What Happens If I Don't Spend All Plan Contributions? .................................................... 7 <br />3. Family and Medical Leave Act (FMLA) .......................................................................,...... 7 <br />4. Uniformed Services Employment and Reemployment Rights Act (USERRA) ._................. 8 <br />5. What Happens If I Terminate Employment? ......................................................................8 <br />