Your compensation deferred under the Sec. 457 Plan is never forfeitable. You will forfeit your deferred compensation under the Premium Plan if you withdraw from the ODS Participating Dentist Agreement before you stop practicing dentistry. You can, however, terminate your OHP Agreement without risking forfeiture. Employees are not eligible to participate in either Plan.
Participants direct the allocation of their accounts among the funds on the list.
ODS reserves the right to add or remove funds from this list from time to time. The amount you defer plus or minus the earnings and gains or losses from investments, net of administrative expenses, will be credited to the account that has been set up in your favor. When you are eligible to receive benefits under either of the Plans, the amount so credited to your account will determine the benefit you are entitled to receive. These investments are not sequestered or set aside in any way for the benefit of Plan participants. Like any other general corporate assets of ODS, they are subject to the claims of ODS's general creditors.