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<br />TABLE OF CONTENTS <br /> <br />ARTICLE I <br />DEFINITIONS <br /> <br />ARTICLE" <br />PARTICIPATION <br /> <br />2.1 ELIGIBILITy......... ............ .......... .......... ........................................... ............ ......... .... ......3 <br /> <br />2.2 EFFECTIVE DATE OF PARTICIPATION .......................................................................3 <br />2.3 APPLICATION TO PARTICIPATE .................................................................................3 <br />2.4 TERMINATION OF PARTICIPATION ............................................................................4 <br />2.5 TERMINATION OF EMPLOyMENT...............................................................................4 <br /> <br /> <br />2.6 DEATH..................... ........................... .... ...... .... ............. ................................................4 <br /> <br />ARTICLE III <br />CONTRIBUTIONS TO THE PLAN <br /> <br />3.1 EMPLOYER CONTRIBUTION................. ..... .................................. ................ ............ ...5 <br />3.2 SALARY REDIRECTION ...............................................................................................5 <br />3.3 APPLICATION OF CONTRIBUTIONS ...........................................................................5 <br />3.4 PERIODIC CONTRIBUTIONS .......................................................................................6 <br /> <br />ARTICLE IV <br />BEN EFITS <br />4.1 BENEFIT OPTIONS................... .......... ................ ........... ...............................................6 <br />4.2 HEALTH FLEXIBLE SPENDING ACCOUNT BENEFIT..................................................6 <br />4.3 DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT BENEFIT ...............................6 <br />4.4 HEALTH INSURANCE BENEFIT ...................................................................................6 <br /> <br /> <br />4.5 CASH BENEFIT ..................... .............. ..... ........ ............. ...... .................... .............. ........ 7 <br /> <br />4.6 NONDISCRIMINATION REQUIREMENTS ....................................................................7 <br /> <br />ARTICLE V <br />PARTICIPANT ELECTIONS <br /> <br />5.1 INITIAL ELECTIONS........ ...... .................... .............. ............................ ..................... .....8 <br /> <br />5.2 SUBSEQUENT ANNUAL ELECTIONS ..........................................................................8 <br /> <br /> <br />5.3 FAILURE TO ELECT.............. ..................... ............................................. ......................8 <br /> <br />5.4 CHANGE IN STATUS ................... ....................................... ..........................................9 <br />