Defined Contribution Plan Document

ARTICLE IX
GENERAL PROVISIONS

Section 7: Prohibition Against Assignment.

No Participant, Annuitant, or Beneficiary hereunder shall have any right to assign, alienate, transfer, sell, hypothecate, mortgage, encumber, pledge, commute, or anticipate any payments, and such payments shall not in any way be subject to any legal process, levy of execution, attachment or garnishment proceedings for the payment of any claim against any Participant, Annuitant or Beneficiary; nor shall such payments be subject to the jurisdiction of any bankruptcy court or insolvency proceedings by operation of law or otherwise, and any such assignment shall be void and of no effect whatsoever, and in such event the Trustees shall have the right to terminate any payments to such Participant, alienation or transfer. Effective on or about July 1, 1989, if a domestic relations order is determined to be a Qualified Domestic Relations Order under the Plan and creates the existence of an Alternate Payee's right to, or assigns to the Alternate Payee the right to receive, all or a portion of a Participant's Individual Account under the Plan, the Alternate Payee's interest shall be distributed in accordance with the terms and conditions of the Qualified Domestic Relations Order following receipt thereof by the Administrative Office even though such distribution may be made prior to the Participant's distribution of benefits under the Plan.