Summary Plan Description of the MEIJER OMP PENSION …

1 Summary plan Description of the MEIJER OMP PENSION plan 2013 OMP Team Members (Other than Hourly-Paid OMP Team Members Working in Kentucky) TO OUR TEAM MEMBERS MEIJER , MEIJER Stores Limited Partnership and MEIJER Great Lakes Limited Partnership (together called MEIJER ) maintain the MEIJER OMP PENSION plan so that you and other team members may receive retirement benefits. The benefits provided under the plan are in addition to benefits under a MEIJER 401(k) Retirement plan . This document is called a Summary plan Description . Its purpose is to explain your rights under the plan .

2 It will answer many questions regarding your retirement benefits. The Summary is based upon the terms of the plan that were in effect as of July 1, 2013. If you terminated employment with MEIJER before July 1, 2013, your benefits are generally based upon the plan provisions in effect when you terminated employment with MEIJER . This Summary plan Description only applies to OMP team members (other than hourly-paid OMP team members in Kentucky). You are an OMP team member if your job classification is office, management or professional. Separate Summary plan descriptions have been prepared for other team members who participate in the plan .

3 The Summary plan Description applies to both grandfathered and nongrandfathered OMP team members. The terms grandfathered and nongrandfathered are defined on page 2 and page 3 of the Summary plan Description . The primary difference between the two groups of team members is that grandfathered team members may earn their MEIJER retirement benefit in a MEIJER PENSION plan , while nongrandfathered team members may earn their MEIJER retirement benefit in a MEIJER 401(k) plan . The Summary plan Description provides specific information about the different provisions under the plan that apply to grandfathered and nongrandfathered team members.

4 The Summary plan Description has been prepared as accurately as possible. It outlines the plan , which is a complex and technical legal document. In the event of any difference between the Summary plan Description and the plan , the terms of the plan will control. BENEFITS AT A GLANCE This page provides a simplified overview of the basic requirements for various types of PENSION benefits for participants covered by this Summary plan Description . You should review the Summary plan Description for more detailed information. Type of PENSION You are Eligible to Receive the PENSION How Much the Monthly PENSION Benefit Will Be Normal Retirement Benefit If you terminate employment with MEIJER after you: are at least age 65; and either have worked for MEIJER for five continuous years; or have been a participant in the plan for at least five years.

5 The largest amount determined under the alternative benefit formulas that apply to you. Early Retirement Benefit If you terminate employment with MEIJER after you: are at least age 55 but less than age 65; and have at least ten years of vested service. Normal PENSION amount minus of 1% for each month between age 60 and 65 your PENSION will be paid and of 1% for each month before age 60 your PENSION will be paid.* Deferred Vested Benefit If you terminate employment with MEIJER after at least five years of vested service, but before qualifying for any other benefit from the plan . This benefit is generally not payable until you: are at least 55 and have at least 10 years of vested service; or are at least age 65 and have at least five years of vested service.

6 Normal PENSION amount minus of 1% for each month between age 60 and 65 your PENSION will be paid and of 1 for each month before age 60 your PENSION will be paid.* Disability Retirement Benefit If you: terminate employment with MEIJER because of your total and permanent disability; and have at least 10 years of vested service or 10 years of benefit service; and are at least age 40 when your benefit payments begin. Normal PENSION amount (as of the date you terminate employment because you are totally and permanently disabled). Pre-Retirement Death Benefits See pages 17-18 of this Summary plan Description for requirements.

7 * The reduction is of 1% for each month your PENSION begins before age 60 if you were born before January 1, 1962, you had at least five years of vested service as of December 31, 1996, and you were working as an OMP team member as of December 31, 1996. TABLE OF CONTENTS Page -i- OVERVIEW OF THE plan .. 1 THE IMPACT OF BEING A GRANDFATHERED OR NONGRANDFATHERED TEAM MEMBER .. 1 DEFINITION OF GRANDFATHERED TEAM MEMBER .. 2 DEFINITION OF NONGRANDFATHERED TEAM 3 HOW TO BECOME A PARTICIPANT IN THE plan .. 3 Eligible Job Classifications .. 3 Ineligible Job Classifications .. 4 Date of Participation Before January 1, 2012.

8 4 Date of Participation After December 31, 2011 .. 4 HOURS OF SERVICE .. 5 VESTED SERVICE .. 6 Why Vested Service is Important .. 6 How Vested Service is Calculated .. 6 Loss of Vested Service .. 7 BENEFIT SERVICE .. 7 Why Benefit Service is Important .. 7 How Benefit Service is Calculated - Grandfathered Team Members .. 7 How Benefit Service is Calculated - Nongrandfathered Team Members .. 7 Transferred Team Members .. 8 Loss of Benefit Service .. 8 HOW TO CALCULATE VESTED SERVICE AND BENEFIT SERVICE .. 8 CALCULATION OF PENSION BENEFIT .. 8 Step-Rate Formula .. 9 Set-Rate Formula - Team Members Hired Before 1988 .. 10 Set-Rate Formula - Team Members Hired After 1987.

9 10 Offset Formula .. 11 Example of Calculation .. 11 YOUR PENSION BENEFIT IF YOU RETIRE AT NORMAL RETIREMENT AGE OR LATER .. 12 Normal Retirement Benefit .. 12 Late Retirement Benefit .. 12 Form of Payment .. 13 Page -ii- YOUR PENSION BENEFIT IF YOU RETIRE EARLY .. 13 Early Retirement Benefit .. 13 Form of Payment .. 13 YOUR PENSION BENEFIT IF YOU BECOME DISABLED .. 14 Eligibility for Disability Benefits .. 14 Payment of Disability Benefit .. 14 YOUR PENSION BENEFIT IF YOU TERMINATE EMPLOYMENT BEFORE RETIREMENT .. 14 FORM OF PAYMENT OF PENSION BENEFITS .. 15 Automatic Forms of Distribution .. 15 Alternative Forms of Distribution for Retirement 15 Small Benefits.

10 16 Automatic Rollover .. 16 Other Rollover Rules .. 17 PRE-RETIREMENT DEATH BENEFITS FOR SURVIVING SPOUSES .. 17 OTHER PRE-RETIREMENT DEATH BENEFITS .. 18 POST-RETIREMENT DEATH 18 Continuation of Monthly PENSION Benefits .. 18 Lump Sum Death Benefit .. 18 SPECIAL RULES FOR TRANSFERRED TEAM MEMBERS .. 19 When the Transfer is Considered to Occur .. 19 Transfers Between Different Job Classifications Within the plan .. 19 Transfers from the Hourly PENSION plan .. 20 Transfers to the Hourly PENSION plan .. 20 Transfers to Only the 401(k) Retirement plan .. 21 Transfers from Only the 401(k) Retirement plan .. 21 SPECIAL RULES FOR REHIRED TEAM MEMBERS.