Some Important Points All contributions to the Plan are placed in a trust fund held and administered by the Trustees. All contributions to the trust fund must be used for the exclusive benefit of Plan Participants and their beneficiaries and for reasonable administrative expenses of the Plan. Plan expenses will be paid from Plan assets. Because the Plan is an individual account plan, this means that there will be pro-rata deductions from your Account to cover the administrative, professional and consulting expenses of the Plan allocable to your Account. In addition, any special expenses attributable only to your account (for example, a loan request processing or maintenance fee) will be deducted only from your Account. Also, there will be a per capita annual charge from each Participant's Account for basic recordkeeping, account maintenance and investment self-direction performed by Prudential Financial. This Plan is not a contract between you and any Participating Employer. Nothing in the Plan shall give any Employee the right to remain an Employee. All Employees remain subject to discharge, discipline or layoff to the same extent as if the Plan did not exist.