GapShare 401(k) Plan. Summary Plan Description

If you are enrolled in the HP 401(k) Plan and do not specify an investment election, your account will automatically be invested in one of the ten Target Retirement Date Funds

You may stop pre-tax contributions to the 401(k) Plan at any time by submitting an Enrollment/Change Form to Human Resources (Retirement Administration).. Suspensions are effective

However, if you withdraw your after-tax matching contributions or their earnings before you reach age 59½ and you are not disabled, you will be required to pay a 10% early

POST-2011 COMPANY MATCHING CONTRIBUTION ACCOUNT - The portion of your account containing the matching contributions (including true-up matching contributions) made to the Plan on

For example, your service with your prior employer may count as service under the 401(k) Plan; you may be eligible for accelerated vesting if your employment with D&B ends as

If the vested balance of your accounts under the Plan is greater than $1,000 and less than $5,000 at the time you (1) leave the employment of Save Mart or (2) die, and you

The Plan is intended to constitute a plan described in Section 404(c) of ERISA. The fiduciaries of the Plan may be relieved of liability for losses that are the direct result

For the 2013 Plan Year, (A) deferral elections and Wrap Elections must be made prior to March 1, 2013 (or such other later effective date for 2013 deferrals