Retirement Summary
(last updated 1 January 2003)

401(k) Plan:

Contributions to the Plan are made by the company at its discretion, but are typically made once a year with the amount dependent on the financial status of the company. Contributions to the 401(k) Plan can be made by an eligible employee on a voluntary basis. When an eligible employee contributes to the Plan, the company will match 50% of the first 4% of the base salary contributed by the employee. An employee may contribute over 4% up to the maximum allowed by tax laws.

Note: These benefits apply only to full-time employees, are not guaranteed, and are subject to change at any time at the company's discretion. Each item listed above is subject to more detailed explanation and restrictions as outlined in the company policy.