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

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

The Summary Plan Description outlines the major provisions of the Plan.