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SUPER DSTOCK BONUS PLANSUMMARY PLAN DESCRIPTION

TABLE OF CONTENTS

INTRODUCTION TO YOUR PLANARTICLE IPARTICIPATION IN YOUR PLANAm I eligible to participate in the Plan?..........................................................................................1When am I eligible to participate in the Plan?.................................................................................2When is my Entry Date?..................................................................................................................2Does all my service with the Employer count for purposes of Plan eligibility?..............................2What happens if I'm a participant, terminate employment and then I'm rehired?...........................3ARTICLE IICONTRIBUTIONSWhat kind of Plan is this?................................................................................................................3Do I have to contribute money to the Plan in order to participate?.................................................4How much may I contribute to the Plan?.........................................................................................4How often can I modify the amount I contribute?...........................................................................5Will the Employer contribute to the Plan?.......................................................................................5Will I share in Employer contributions during the year of my Retirement (Normal orLate) or death?.................................................................................................................................6How will the Employer contributions be allocated to my account?................................................6What compensation is used to determine my Plan benefits?...........................................................7Is there a limit on the amount of compensation which can be considered?.....................................7Is there a limit on how much can be contributed to my account each year?...................................7May I roll over payments from other retirement plans or IRAs?....................................................8May I direct the investment of my account balance?......................................................................8May I vote Company Stock held in my account?............................................................................8What happens if a dividend is payable on Company Stock allocated to my account?....................9ARTICLE IIIRETIREMENT BENEFITSWhat benefits will I receive at normal retirement?..........................................................................9What is my Late Retirement Date?..................................................................................................9What happens if I leave the Employer's workforce before I retire?................................................9What is my vested interest in my account?....................................................................................10

How do I determine my Years of Service for vesting purposes?..................................................10Does all my service count for vesting purposes?...........................................................................10As a veteran, will my military service count as service with the Employer?................................11What happens to my non-vested account balance if I'm rehired?..................................................11What happens to the non-vested portion of a terminated participant's account balance?..............11ARTICLE IVDISABILITY BENEFITSAre disability benefits provided?...................................................................................................12ARTICLE VFORM OF BENEFIT PAYMENTHow will my benefits be paid?......................................................................................................12May I delay the receipt of benefits?...............................................................................................12ARTICLE VIDEATH BENEFITSWhat happens if I die while working for the Employer?...............................................................12Who is the beneficiary of my death benefit?.................................................................................12How will the death benefit be paid to my beneficiary?.................................................................13When must the last payment be made to my beneficiary?.............................................................13What happens if I'm a participant, terminate employment and die before receiving all mybenefits?.........................................................................................................................................13ARTICLE VIIIN-SERVICE DISTRIBUTIONCan I withdraw money from my account while working?............................................................14Can I withdraw money from my account in the event of financial hardship?...............................14What constitutes a hardship?.........................................................................................................14Are there any conditions to receiving a hardship distribution?.....................................................15ARTICLE VIIITAX TREATMENT OF DISTRIBUTIONSWhat are my tax consequences when I receive a distribution from the Plan?...............................15Can I reduce or defer tax on my distribution?...............................................................................15