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Retirement Savings Plan Design Element
      

SECTION X. POTENTIAL LOSS OF BENEFITS

You or your beneficiary could suffer a loss in the value of your individual account balance or have payments delayed in the following circumstances:

In This Section:

A. Investment Losses
B. Divorce or Child Support Order ("QDRO")
C. Plan Expenses
D. Employer Delinquencies - Shared by Participants
E. Employer's Failure to Transmit Elective Deferral Contributions
F. Fail to File Complete Application
G. Incomplete Information/False Statements
H. Disappear/Returned Mail
I. Prohibited Employment