This Summary Plan Description is a summary of the information contained in the official text of the Plan and sets forth certain rights that Plan Participants are entitled to under the Employee Retirement Income Security Act (“ERISA”).

The purpose of this Summary Plan Description is to provide you with a summary of the information about your Plan and the benefits available to you. If the terms, conditions and provisions of this Summary Plan Description differ in content from that of the Plan, then the Plan shall govern.

The following series of questions and answers outline the major provisions of the Plan.