Due to recent changes to laws regulating 401k plans, a restatement of our plan document was required.  The summary plan description is provided to you here in compliance with ERISA law.  There were no changes that affected the administration of the plan.  The eligibility requirements, vesting schedule, loan provisions, and match provisions are all unaffected.  If you have any questions about 401k you may contact Mary Lynn Hamrick at 260-434-4761 or mhamrick@kelleyauto.com.