This is a voluntary supplemental retirement savings plan in which employees may defer from 1% to 60% of their annual base salary in "pre-tax" dollars or “after tax” dollars to a Roth 401(k) up to a maximum ($16,500 in 2011). The Company will match 50% of the first 6% of a participant's contribution. Participants 50 years of age or older may elect to contribute an additional "catch-up" contribution ($5,500 in 2011). "Catch-up" contributions are not matched. Participants are fully vested in the plan when they reach 5 years of service. Loans are permissible, but only one loan is permitted at a time.

Participants may choose from any of the plan's 22 investment funds.