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| BALANCED FUND -                       | 50% |
|---------------------------------------|-----|
| DIVERSIFIED EQUITY (LARGE-CAP) FUND - | 30% |
| BOND FUND -                           | 10% |
| INCOME FUND -                         | 10% |

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| 5.5 | PAYMENT OF EMPLOYER MATCHING CONTRIBUTIONS AND PROFIT SHARING CONTRIBUTIONS. |
|-----|------------------------------------------------------------------------------|

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| 8.3. | VALUATION AND ADJUSTMENT. |
|------|---------------------------|

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| 9.2. | IN-SERVICE WITHDRAWALS FROM THE EMPLOYER MATCHINGCONTRIBUTION ACCOUNT AND THE PROFIT SHARING ACCOUNT |
|------|------------------------------------------------------------------------------------------------------|

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| 9.3. | WITHDRAWALS FROM THE PRE-TAX CONTRIBUTIONS AND ROLLOVER CONTRIBUTIONS ACCOUNTS. |
|------|---------------------------------------------------------------------------------|

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| 9.4. | WITHDRAWALS OF AMOUNTS CREDITED TO THE PROFIT SHARING ACCOUNTS AND EMPLOYER MATCHING CONTRIBUTIONS ACCOUNTS. |
|------|--------------------------------------------------------------------------------------------------------------|

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| 10.1. | VESTING IN THE AFTER-TAX CONTRIBUTION ACCOUNT, PRE-TAX CONTRIBUTION ACCOUNT, EMPLOYER MATCHING CONTRIBUTION ACCOUNT AND ROLLOVER CONTRIBUTION ACCOUNT. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.2. | VESTING IN THE PROFIT SHARING ACCOUNT. |
|-------|----------------------------------------|

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| 10.3. | DETERMINATION OF VESTED INTEREST IN PROFIT SHARING ACCOUNT IN THE EVENT OF TERMINATION OF EMPLOYMENT. |
|-------|-------------------------------------------------------------------------------------------------------|

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| Years of                 |   | Vested                |
|--------------------------|--------|-----------------------|
| Continuous Service       |   | Percentage of Account |
|                     |   |                  |
| Less than three          |   | 0%                    |
| Three but less than four |   | 20%                   |
| Four but less than five  |   | 40%                   |
| Five but less than six   |   | 60%                   |
| Six but less than seven  |   | 80%                   |
| Seven or more            |   | 100%                  |

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| Years of                 |   | Vested                |
|--------------------------|--------|-----------------------|
| Continuous Service       |   | Percentage of Account |
|                     |   |                  |
| Less than two            |   | 0%                    |
| Two but less than three  |   | 20%                   |
| Three but less than four |   | 40%                   |
| Four but less than five  |   | 60%                   |
| Five but less than six   |   | 80%                   |
| Six or more              |   | 100%                  |

| 10.4. | RESTORATION OF FORFEITURES. |
|-------|-----------------------------|

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| 11.1. | NORMAL AND LATE RETIREMENT. |
|-------|-----------------------------|

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| 11.2. | DISABILITY RETIREMENT. |
|-------|------------------------|

| 11.3. | DEATH. |
|-------|--------|

|   | (ii) | lineal descendants (including legally adopted children), per stirpes; |
|--------|------|-----------------------------------------------------------------------|

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| 11.4. | OTHER SEPARATIONS FROM EMPLOYMENT. |
|-------|------------------------------------|

| 11.5. | TIME OF DISTRIBUTION OF BENEFITS. |
|-------|-----------------------------------|

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| (3)   | The term "distributee" shall include an Employee and a former Employee.  In addition, the Employee's or former Employee's surviving spouse and the Employee's or former Employee's |
|-----------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| (4)   | spouse or former spouse who is the alternate payee under a Qualified Domestic Relations Order are distributees with regard to the interest of a spouse or former spouse. |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | For distributions made after December 31, 2007, a participant may elect to roll over directly |
|--------|-----------------------------------------------------------------------------------------------|

|   | an eligible rollover distribution to a Roth IRA described in Code §408A(b). |
|--------|----------------------------------------------------------------------------------|

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|   | (1) | the specific reason or reasons for the Adverse Determination, including the identity of any medical or vocation experts whose advice was obtained in connection with the Adverse Determination, regardless of whether the advice was relied upon in making the Adverse Determination; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | specific references to the pertinent Plan provisions on which the Adverse Determination is based; |
|--------|-----|---------------------------------------------------------------------------------------------------|

|   | (3) | a description of any additional material or  information necessary for the claimant to perfect the claim and an explanation as to why such information is necessary; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | an explanation of the Plan's review procedure and the time limits applicable to such procedures, including a statement of the claimant’s right to bring a civil action under Section 502(a) of the Act following an adverse determination on review; and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | (A) If an internal rule, guideline, protocol, or other similar criterion was relied upon in making the Adverse Determination, either a copy of the specific rule, guideline, protocol, or other similar criterion; or a statement that such a rule, guideline, |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | (1) | the specific reason or reasons for the decision; |
|--------|-----|--------------------------------------------------|

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|   | (2) | specific references to the pertinent Plan provisions on which the decision is based; |
|--------|-----|--------------------------------------------------------------------------------------|

|   | (3) | a statement that the claimant is entitled to receive upon request, free of charge, reasonable access to and copies of, all materials and information relevant to the claim for benefits; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | a statement of the plan’s voluntary arbitration procedures and the claimant’s right to bring a civil action under Section 502(a) of the Act; and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | (A) If an internal rule, guideline, protocol, or other similar criterion was relied upon in making the decision, either a copy of the specific rule, guideline, protocol, or other similar criterion; or a statement that such a rule, guideline, protocol, or other similar criterion was relied upon in making the decision, will be provided to the claimant free of charge upon request; or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| (i)   | a statement that the decision whether to arbitrate a claim will have no effect on rights to any other benefits under the Plan; |
|-----------------|--------------------------------------------------------------------------------------------------------------------------------|

| (ii)   | notice of the right to representation; |
|------------------|----------------------------------------|

| (iii)   | notice of the right to bring a civil action in federal court under ERISA Section  502(a) in lieu of voluntary binding Arbitration; |
|-------------------|----------------------------------------------------------------------------------------------------------------------------------------------|

| (iv)   | a statement that the Plan will not assert that failure exhaust administrative remedies in any federal court action in the event you the claimant  elects not to pursue voluntary binding arbitration; |
|------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (v)   | the applicable arbitration rules; and |
|-----------------|---------------------------------------|

| (vi)   | the arbitrator selection process. |
|------------------|-----------------------------------|

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