CAFETERIA PLAN

SUMMARY PLAN DESCRIPTION

TABLE OF CONTENTS

SUMMARY PLAN DESCRIPTION

PART 1. GENERAL INFORMATION ABOUT THE PLAN

PART 2. CAFETERIA PLAN SUMMARY

PART 3. CASH BENEFITS

PART 4. HEALTH CARE PREMIUM REIMBURSEMENT BENEFITS

PART 5. HEALTH FSA SUMMARY

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(i)

o

o

o

o

PART 6. DEPENDENT CARE FSA COMPONENT SUMMARY

PART 7. AxisPlus Card®

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o

o

PART 8. PLAN INFORMATION SUMMARY

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o

o

APPENDIX I

CLAIMS REVIEW PROCEDURE APPENDIX