Page 20 - NovDefComp
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2.6   Disclosure of Fees and Charges for Educational Services

                   Educational services requiring payment of participant fees and charges must be fully
                   disclosed to the Plan Sponsor and fiduciaries before services are made available to
                   plan participants.

                   In addition, participant fees and charges for educational services must be disclosed
                   to all participants at enrollment and at any other time as appropriate.

               2.7     Communication to Participants

                   Information about education programs and services will be made available to Plan
                   participants. The Plan Sponsor will communicate at least annually announcing the
                   schedule of educational on-site programs, the schedule of Provider representative
                   availability for individual participant appointments, website educational material and
                   special support programs (covering guidance and advice services, managed
                   account options and any other financial planning services).  Communication will be
                   delivered in such format(s) to reach the widest participant audience, as determined
                   by the Plan Sponsor.




               _________________________________________________                _____________________
               Chairperson, 457 Deferred Compensation Committee                 Date








































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