Defined Contribution Plan Document
ARTICLE IV
FORFEITURES AND VESTING
Section 1: Forfeitures.
Each Valuation Date, Contributions paid into a Covered
Employee's Individual Account for the calendar quarter ending two (2) years before
the Valuation Date will be forfeited unless the Covered Employee meets the
requirements for vesting under Article IV, Section 3, below. Any amounts so forfeited
will be used to reduce Plan expenses for the current quarter. However, a Covered
Employee who works one full or partial Covered Hour on or after July 1, 2002 shall
not incur a forfeiture of his or her Individual Account.