B. VESTING.

You are immediately 100% vested in your individual account with the Plan, subject to the Plan's expenses and any decrease in the market value of your individual account.

Your individual account may reduce in value or reach a zero balance if you work only a few hours a year and your share of Plan expenses exceeds the aggregate of the contributions paid on your behalf and earnings allocated to your individual account.

(See Section X of this booklet for a description of circumstances that might cause a reduction, loss or delay in the payment of your benefits.)