43 ARTICLE 11.
RIGHT TO BENEFITS.
43 11.01.
NORMAL OR EARLY RETIREMENT.
43 11.02.
LATE RETIREMENT.
43 11.03.
DISABILITY RETIREMENT.
43 11.04.
DEATH.
43 11.05.
OTHER TERMINATION OF EMPLOYMENT.
44 11.06.
APPLICATION FOR DISTRIBUTION.
44 11.07.
APPLICATION OF VESTING SCHEDULE FOLLOWING PARTIAL DISTRIBUTION.
44 11.08.
FORFEITURES.
44 11.09.
APPLICATION OF FORFEITURES.
45 11.10.
REINSTATEMENT OF FORFEITURES.
45 11.11.
ADJUSTMENT FOR INVESTMENT EXPERIENCE.
45
Fidelity Advisor 401(k) Program
© 2008 FMR Corp.
All rights reserved.
ii
ARTICLE 12.
DISTRIBUTIONS.
46 12.01.
RESTRICTIONS ON DISTRIBUTIONS.
46 12.02.
TIMING OF DISTRIBUTION FOLLOWING RETIREMENT OR TERMINATION OF EMPLOYMENT.
46 12.03.
PARTICIPANT CONSENT TO DISTRIBUTION.
47 12.04.
REQUIRED COMMENCEMENT OF DISTRIBUTION TO PARTICIPANTS.
47 12.05.
REQUIRED COMMENCEMENT OF DISTRIBUTION TO BENEFICIARIES.
47 12.06.
WHEREABOUTS OF PARTICIPANTS AND BENEFICIARIES.
48 ARTICLE 13.
FORM OF DISTRIBUTION.
49 13.01.
NORMAL FORM OF DISTRIBUTION UNDER PROFIT SHARING PLAN.
49 13.02.
CASH OUT OF SMALL ACCOUNTS.
49 13.03.
MINIMUM DISTRIBUTIONS.
49 13.04.
DIRECT ROLLOVERS.
52 13.05.
NOTICE REGARDING TIMING AND FORM OF DISTRIBUTION.
53 13.06.
DETERMINATION OF METHOD OF DISTRIBUTION.
54 13.07.
NOTICE TO TRUSTEE.
54 ARTICLE 14.
SUPERSEDING ANNUITY DISTRIBUTION PROVISIONS.
54 14.01.
SPECIAL DEFINITIONS.
54 14.02.
APPLICABILITY.
54 14.03.
ANNUITY FORM OF PAYMENT.
55 14.04.
"QUALIFIED JOINT AND SURVIVOR ANNUITY" AND "QUALIFIED
PRERETIREMENT SURVIVOR ANNUITY" REQUIREMENTS.
55 14.05.
WAIVER OF THE
"QUALIFIED JOINT AND SURVIVOR ANNUITY" AND/OR "QUALIFIED PRERETIREMENT SURVIVOR
ANNUITY" RIGHTS.
56 14.06.
SPOUSE'S CONSENT TO WAIVER.
56 14.07.
NOTICE REGARDING "QUALIFIED JOINT AND SURVIVOR ANNUITY".
57 14.08.
NOTICE REGARDING "QUALIFIED PRERETIREMENT SURVIVOR ANNUITY".
57 14.09.
FORMER SPOUSE.
57 ARTICLE 15.
TOP-HEAVY PROVISIONS.
57 15.01.
DEFINITIONS.
57 15.02.
APPLICATION.
59 15.03.
MINIMUM CONTRIBUTION.
59 15.04.
DETERMINATION OF MINIMUM REQUIRED CONTRIBUTION.
60 15.05.
ACCELERATED VESTING.
60 15.06.
EXCLUSION OF COLLECTIVELY-BARGAINED EMPLOYEES.
60 ARTICLE 16.
AMENDMENT AND TERMINATION.
60 16.01.
AMENDMENTS BY THE EMPLOYER THAT DO NOT AFFECT VOLUME SUBMITTER STATUS.
60 16.02.
AMENDMENTS BY THE EMPLOYER ADOPTING PROVISIONS NOT INCLUDED IN
VOLUME SUBMITTER SPECIMEN PLAN.
61 16.03.
AMENDMENT BY THE VOLUME SUBMITTER SPONSOR.
61 16.04.
AMENDMENTS AFFECTING VESTED INTEREST AND/OR ACCRUED BENEFITS.
61 16.05.
RETROACTIVE AMENDMENTS MADE BY VOLUME SUBMITTER SPONSOR.
61 16.06.
TERMINATION AND DISCONTINUATION OF CONTRIBUTIONS.
62 16.07.
DISTRIBUTION UPON TERMINATION OF THE PLAN.
62 16.08.
MERGER OR CONSOLIDATION OF PLAN; TRANSFER OF PLAN ASSETS.
62
Fidelity Advisor 401(k) Program
© 2008 FMR Corp.
All rights reserved.
iii
ARTICLE 17.
AMENDMENT AND CONTINUATION OF PRIOR PLAN; TRANSFER OF FUNDS TO OR FROM OTHER
QUALIFIED PLANS.
62 17.01.
AMENDMENT AND CONTINUATION OF PRIOR PLAN.
62 17.02.
TRANSFER OF FUNDS FROM AN EXISTING PLAN.
63 17.03.
ACCEPTANCE OF ASSETS BY TRUSTEE.
64 17.04.
TRANSFER OF ASSETS FROM TRUST.
64 ARTICLE 18.
MISCELLANEOUS.
65 18.01.
COMMUNICATION TO PARTICIPANTS.
65 18.02.
LIMITATION OF RIGHTS.
65 18.03.
NONALIEN ABILITY OF BENEFITS.
66 18.04.
QUALIFIED DOMESTIC RELATIONS ORDERS PROCEDURES.
66 18.05.
APPLICATION OF PLAN PROVISIONS FOR MULTIPLE EMPLOYER PLANS.
66 18.06.
VETERANS REEMPLOYMENT RIGHTS.
67 18.07.
FACILITY OF PAYMENT.
67 18.08.
INFORMATION BETWEEN EMPLOYER AND/OR ADMINISTRATOR AND TRUSTEE.
67 18.09.
EFFECT OF FAILURE TO QUALIFY UNDER CODE.
67 18.10.
DIRECTIONS,