This Plan document sets forth the provisions of the Plan, as of November 1, 1997.
All employees are eligible to begin participation on the first day of any pay period.
Participation is voluntary. Employees are not required to join the Plan. Contributions cannot be made to an Account after termination of employment. Each participant is responsible for making decisions regarding the possible benefits or tax consequences of various options which are available under the Plan, including the selection of insurance company, investment company and accumulation or custodial account. Participation is subject to rules of the Internal Revenue Service.