5. IS IT POSSIBLE TO LOSE MY INDIVIDUAL ACCOUNT?

Yes, unless you are a Participant. As of each March 31, June 30, September 30, and December 31 valuation date, contributions paid into your Individual Account for the calendar quarter ending two years prior to the valuation date will be forfeited unless you are a Participant.

For example, assume contributions were first made into your Individual Account for the calendar quarter ending March 31, 1998, but you do not become a participant until April 1, 2000. As of March 31, 2000, contributions paid into your Account for the quarter ending March 31, 1998 are forfeited. As of April 1, 2000, you become 100% vested in all contributions paid into your Account after March 31, 1998.

Forfeited contributions will be used to pay Plan expenses. To the extent forfeitures exceed Plan expenses, they will be allocated to participants’ accounts in the same proportion as contributions were made to the Accounts for the quarter.