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<br />4. Are There Any Employees Who Are Not Eligible? <br /> <br />Yes, there are certain employees who are not eligible to join the Plan. They are: <br /> <br />-- Employees who are not eligible to receive medical benefits under our group <br />medical plan. <br /> <br />-- Employees who are part-time. A part-time employee is someone who works, or is <br />expected to work, less than 40 hours a week. <br /> <br />5. What Must I Do to Enroll in the Plan? <br /> <br />Before you can join the Plan, you must complete an application to participate in the <br />Plan. The application includes your personal choices for each of the benefits which are <br />being offered under the Plan. You must also authorize us to set some of your earnings <br />aside in order to pay for the benefits you have elected. <br /> <br />II <br />OPERATION <br /> <br />1. How Does This Plan Operate? <br /> <br />Before the start of each Plan Year, you will be able to elect to have some of your <br />upcoming pay contributed to the Plan. These amounts will be placed in special funds or <br />accounts which must be set up for you in order to pay for the benefits you have chosen. The <br />portion of your pay that is paid to the Plan is not subject to Federal income or Social <br />Security taxes. In other words, this allows you to use tax-free dollars to pay for certain kinds <br />of benefits and expenses which you normally pay for with out-of-pocket, taxable dollars. <br />However, if you receive a reimbursement for an expense under the Plan, you carinot claim <br />a Federal income tax credit or deduction on your return. <br /> <br />III <br />CONTRIBUTIONS <br /> <br />1. How Much of My Pay May the Employer Redirect? <br /> <br />Each year, you may elect to have us contribute on your behalf enough of your <br />compensation to pay for the benefits that you elect under the Plan. These amounts will be <br />deducted from your pay over the course of the year. <br /> <br />2 <br />