Vesting refers to the portion of the total assets in your account that you will actually receive upon retirement or termination of employment. Under this Plan, you will always be 100 percent vested in all the amounts in your account. This means that no action by RIT or by you, such as termination of employment before a stated number of years, will cause any portion of your account to be forfeited. Of course, the value of your account will fluctuate depending upon any changes in the value of the funds in which your account may be invested.