You can apply for a loan or a hardship withdrawal from the plan. See "Loans for Active Employees", "In-Service Distributions" and "Hardship Withdrawals." If you have questions, please call Fidelity Customer Services at 800-835-5097 or log on to www.401k.com.

You may change your contribution percentage as often as you like by calling Fidelity at 800-835-5097 or online at www.401k.com. Your new contribution percentage is submitted to payroll semi-monthly and will go into effect on the next available pay date, following the payroll deadline schedule.