<SEC-DOCUMENT>0001140361-24-036851.txt : 20240812
<SEC-HEADER>0001140361-24-036851.hdr.sgml : 20240812
<ACCEPTANCE-DATETIME>20240812162731
ACCESSION NUMBER:		0001140361-24-036851
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		24
FILED AS OF DATE:		20240812
DATE AS OF CHANGE:		20240812
EFFECTIVENESS DATE:		20240812

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FLUSHING FINANCIAL CORP
		CENTRAL INDEX KEY:			0000923139
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				113209278
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-281482
		FILM NUMBER:		241197158

	BUSINESS ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
		BUSINESS PHONE:		718-961-5400

	MAIL ADDRESS:	
		STREET 1:		220 RXR PLAZA
		CITY:			UNIONDALE
		STATE:			NY
		ZIP:			11556
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8
<SEQUENCE>1
<FILENAME>ef20033860_s8.htm
<DESCRIPTION>S-8
<TEXT>
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  <div style="text-align: center; color: #000000; font-weight: bold;">As filed with the Securities and Exchange Commission on August 12, 2024</div>
  <div><br>
  </div>
  <div style="text-align: right; color: #000000; font-weight: bold;">Registration No. 333-</div>
  <div style="text-align: right; color: #000000; font-weight: bold;"> <br>
  </div>
  <div>
    <hr align="center" style="border: none; border-bottom: 1px solid black; border-top: 4px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"></div>
  <div style="text-align: center; color: rgb(0, 0, 0); font-size: 14pt; font-weight: bold;">UNITED STATES</div>
  <div style="text-align: center; color: rgb(0, 0, 0); font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>
  <div style="text-align: center; color: rgb(0, 0, 0); font-size: 12pt; font-weight: bold;">WASHINGTON, DC&#160; 20549</div>
  <div><br>
  </div>
  <div style="text-align: center; color: rgb(0, 0, 0); font-size: 18pt; font-weight: bold;">FORM S-8</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</div>
  <div><br>
  </div>
  <div style="text-align: center; color: rgb(0, 0, 0); font-size: 24pt; font-weight: bold;">Flushing Financial Corporation</div>
  <div style="text-align: center; color: #000000;">(Exact Name of Registrant as Specified in Its Charter)</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" border="0" id="z7e570ef7f1ae46219869f10f95047428" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

      <tr>
        <td style="width: 49%; vertical-align: top;">
          <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">Delaware</div>
        </td>
        <td style="width: 2%; vertical-align: top;">&#160;</td>
        <td style="width: 49%; vertical-align: top;">
          <div style="text-align: center; color: rgb(0, 0, 0); font-weight: bold;">11-3209278</div>
        </td>
      </tr>
      <tr>
        <td style="width: 49%; vertical-align: top;">
          <div style="text-align: center; color: rgb(0, 0, 0);">(State or Other Jurisdiction of Incorporation or Organization)</div>
        </td>
        <td style="width: 2%; vertical-align: top;">&#160;</td>
        <td style="width: 49%; vertical-align: top;">
          <div style="text-align: center; color: rgb(0, 0, 0);">(I.R.S. Employer Identification No.)</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">220 RXR Plaza</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Uniondale, New York 11556</div>
  <div style="text-align: center; color: #000000;">(Address of Principal Executive Offices, Zip Code)</div>
  <div><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">2024 Omnibus Incentive Plan</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Flushing Bank 401(k) Savings Plan</div>
  <div style="text-align: center; color: #000000;">(Full Title of the Plan)</div>
  <div><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">John R. Buran</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">President and Chief Executive Officer</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Flushing Financial Corporation</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">220 RXR Plaza</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Uniondale, New York 11556</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">(718) 961-5400</div>
  <div><br>
  </div>
  <div style="text-align: center; color: #000000;">(Name, Address, Including Zip Code, and Telephone Number, Including Area Code, of Agent for Service)</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Copies of all communications to:</div>
  <div><br>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Gary J. Simon, Esq.</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">Hughes Hubbard &amp; Reed LLP</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">One Battery Park Plaza</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">New York, NY 10004</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">(212) 837-6770</div>
  <div><br>
  </div>
  <div style="color: #000000;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of &#8220;large accelerated
    filer,&#8221; &#8220;accelerated filer,&#8221; &#8220;smaller reporting company&#8221; and &#8220;emerging growth company&#8221; in Rule 12b-2 of the Exchange Act.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" border="0" id="zac867c3c8a454db68deb9dc45ed1296a" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

      <tr>
        <td style="width: 41.5%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">Large accelerated filer</div>
        </td>
        <td style="width: 4%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">&#9744;</div>
        </td>
        <td style="width: 50%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">Accelerated filer</div>
        </td>
        <td style="width: 4%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">&#9746;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 41.5%; vertical-align: middle;">&#160;</td>
        <td style="width: 4%; vertical-align: middle;">&#160;</td>
        <td style="width: 50%; vertical-align: middle;">&#160;</td>
        <td style="width: 4%; vertical-align: middle;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 41.5%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">Non-accelerated filer</div>
        </td>
        <td style="width: 4%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">&#9744;</div>
        </td>
        <td style="width: 50%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">Smaller reporting company</div>
        </td>
        <td style="width: 4%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">&#9744;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 41.5%; vertical-align: middle;">&#160;</td>
        <td style="width: 4%; vertical-align: middle;">&#160;</td>
        <td style="width: 50%; vertical-align: middle;">&#160;</td>
        <td style="width: 4%; vertical-align: middle;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 41.5%; vertical-align: bottom;">&#160;</td>
        <td style="width: 4%; vertical-align: bottom;">&#160;</td>
        <td style="width: 50%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">Emerging growth company</div>
        </td>
        <td style="width: 4%; vertical-align: bottom;">
          <div style="color: rgb(0, 0, 0);">&#9744;</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="color: #000000;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section
    7(a)(2)(B) of the Securities Act.&#160; &#9744;</div>
  <div><br>
  </div>
  <div>
    <hr align="center" style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;"></div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
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      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; color: #000000; font-weight: bold;">PART II</div>
  <div style="text-align: center; color: #000000; font-weight: bold;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z4e56518235da4616a07327e45c5f71d0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-weight: bold;">Item 3.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0); font-weight: bold;">Incorporation of Documents by Reference.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">The following documents filed by Flushing Financial Corporation (the &#8220;Company&#8221;) under the Securities Exchange Act of 1934 (the &#8220;Exchange Act&#8221;) are incorporated herein by reference:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z46786acb78e34c919c6786f8461cb15a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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        <td style="width: 54pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top; color: #000000;">a.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">the Company&#8217;s Annual Report on Form 10-K for the year ended <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000155837024003358/ffic-20231231x10k.htm">December 31, 2023</a>;&#160;</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="zc3d8d3207f5f44489841c208e3e84e4a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 54pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top; color: #000000;">b.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">the Company&#8217;s Quarterly Report on Form 10-Q for the quarters ended <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000155837024006782/ffic-20240331x10q.htm">March 31, 2024</a> and <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000155837024011637/ffic-20240630x10q.htm">June 30, 2024</a>, respectively; and</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="zb62e611ed43547499d858d0e8bb0d660" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 54pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top; color: #000000;">c.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">the Company&#8217;s Current Reports on Form 8-K filed <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000092313924000026/ffic-20240618x8k.htm">June 18, 2024</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000092313924000019/ffic-20240530x8k.htm">May 30, 2024</a>, <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000092313924000006/ffic-20240321x8k.htm">March
              21, 2024</a>, and <a href="https://www.sec.gov/ix?doc=/Archives/edgar/data/0000923139/000114036124003928/ef20019692_8k.htm">January 26, 2024</a>, respectively; and</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="zfc69b7c7de664beab4b58996d9c92aca" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 54pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top; color: #000000;">d.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">the description of the Company&#8217;s Common Stock, par value $0.01 per share, contained in the Company&#8217;s registration statement therefor and subsequent amendments thereof of reports filed for the purpose of updating
            that description;</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="text-indent: 36pt; color: rgb(0, 0, 0);">All documents filed by the Company pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Exchange Act after the date of this Registration Statement and prior to the filing of a post-effective
    amendment which indicates that all securities offered hereby have been sold or which deregisters securities then remaining unsold, shall be deemed to be incorporated by reference in this Registration Statement and to be a part hereof from the date of
    the filing of such documents.</div>
  <div><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">Any statement contained in a document incorporated by reference herein shall be deemed to be modified or superseded for purposes of this Registration Statement to the extent that a statement contained in a
    subsequently filed document which is also incorporated by reference herein modifies or supersedes such statement.</div>
  <div><br>
  </div>
  <div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;" id="z3551ce07717346d993f20a8ec27338d6" class="DSPFListTable">

          <tr style="vertical-align: top;">
            <td style="text-align: right; vertical-align: top; width: 63pt;">
              <div style="text-align: left; color: #000000; font-weight: bold;">Item 4.</div>
            </td>
            <td style="text-align: left; vertical-align: top; width: auto;">
              <div style="color: #000000; font-weight: bold;"><font style="font-weight: bold; color: #000000;">Description of Securities.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="color: rgb(0, 0, 0); margin-left: 63pt;">Not applicable.</div>
    <div><br>
    </div>
    <div>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;" id="z0af687583ab04a7e85c18dafec5d4645" class="DSPFListTable">

          <tr style="vertical-align: top;">
            <td style="text-align: right; vertical-align: top; width: 63pt;">
              <div style="text-align: left; color: #000000; font-weight: bold;">Item 5.</div>
            </td>
            <td style="text-align: left; vertical-align: top; width: auto;">
              <div style="color: #000000; font-weight: bold;">Interests of Named Experts and Counsel.</div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="color: rgb(0, 0, 0); margin-left: 63pt;">Not applicable.</div>
    <div style="color: #000000;"> <br>
    </div>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;" id="za38c13a317a048b28c86fe4d95c3d9f5" class="DSPFListTable">

        <tr style="vertical-align: top;">
          <td style="text-align: right; vertical-align: top; width: 63pt;">
            <div style="text-align: left;"><font style="font-weight: bold; color: #000000;">Item 6.</font></div>
          </td>
          <td style="text-align: left; vertical-align: top; width: auto;">
            <div><font style="font-weight: bold;">Indemnification of Directors and Officers</font>.</div>
          </td>
        </tr>

    </table>
    <div> <br>
    </div>
  </div>
  <div style="text-indent: 36pt; color: #000000;">&#160;&#160;Section 145 of the Delaware General Corporation Law (the &#8220;DGCL&#8221;) empowers a Delaware corporation to indemnify any person who was or is a party or is threatened to be made a party to any threatened,
    pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation) by reason of the fact that such person is or was a director, officer, employee or
    agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys&#8217; fees),
    judgments, fines and amounts paid in settlement actually and reasonably incurred by such person in connection with such action, suit or proceeding if such person acted in good faith and in a manner such person reasonably believed to be in or not
    opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable cause to believe his or her conduct was unlawful. Similar indemnification is authorized for such person against expenses
    (including attorneys&#8217; fees) actually and reasonably incurred in connection with the defense or settlement of any threatened, pending or completed action or suit by or in the right of the corporation if such person acted in good faith and in a manner he
    or she reasonably believed to be in or not opposed to the best interests of the corporation, and provided further that (unless a court of competent jurisdiction otherwise provides) he or she shall not have been adjudged liable to the corporation. Any
    such indemnification (unless ordered by a court) may be made by the corporation only as authorized in each specific case by the corporation upon a determination that indemnification of the present or former director, officer, employee or agent is
    proper because such person has met the applicable standard of conduct, which indemnification shall be made in the case of a director or officer at the time of the determination by the shareholders, a majority vote of disinterested directors, a
    committee of disinterested directors or by independent legal counsel in a written opinion, if there are no such directors or if such directors so direct.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt; color: #000000;">Section 145 of the DGCL also authorizes a corporation to pay the expenses (including attorneys&#8217; fees) incurred by an officer or director in defending any such proceedings in advance of their final
    disposition.&#160; Such advance payment of expenses, however, may be made only upon delivery to the corporation by the indemnified party of an undertaking to repay all amounts so advanced if it shall ultimately be determined that the person receiving such
    payments is not entitled to be indemnified pursuant to Section 145 of the DGCL.&#160; The DGCL also provides that its provisions regarding indemnification and advancement of expenses are not exclusive of other rights which may be provided by bylaw,
    agreement, or otherwise.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">Section 145 of the DGCL further authorizes a corporation to purchase and maintain insurance, at its expense, on behalf of any person who is or was a director, officer, employee or agent of the corporation,
    or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation or enterprise, against any liability asserted against or incurred by such person in any such capacity, or arising out of such
    status, whether or not the corporation would otherwise have the power to indemnify such person against such liability under Section 145 of the DGCL.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">Article TENTH of the Company&#8217;s Certificate of Incorporation limits the personal liability of directors in specified circumstances and sets forth circumstances under which directors, officers, employees and
    agents of the Company may be indemnified against liability which they incur in their capacities as such.&#160; Article TENTH provides as follows:</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 36pt; color: #000000;">TENTH.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">(A) No director of the Corporation shall be personally liable to the Corporation or its stockholders for monetary damages for breach of fiduciary duty as a director, except for liability
    (i) for any breach of the director&#8217;s duty of loyalty to the Corporation or its stockholders, (ii) for acts or omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (iii) under Section 174 of the Delaware
    General Corporation Law, or (iv) for any transaction from which the director derived an improper personal benefit. If the Delaware General Corporation Law is amended after the date of this Certificate of Incorporation to authorize corporate action
    further eliminating or limiting the personal liability of directors, then the liability of a director of the Corporation shall be eliminated or limited to the fullest extent permitted by the Delaware General Corporation law, as so amended.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="margin-left: 72pt; color: #000000;">(B) The Corporation shall indemnify to the fullest extent permitted by the laws of the State of Delaware as from time to time in effect any person who was or is a party or is threatened to be made a party
    to, or otherwise requires representation by counsel in connection with, any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative, including an action by or in the right of the Corporation
    (a &#8220;Proceeding&#8221;), by reason of the fact that such person is or was a director or officer of the Corporation, or, while serving as a director or officer of the Corporation, is or was serving, in any capacity, at the request of the Corporation, any other
    corporation, partnership, joint venture, trust, association or other enterprise, including service with respect to an employee benefit plan, or by reason of any action alleged to have been taken or omitted in such capacity, against judgments, fines,
    penalties, amounts paid in settlement, and expenses (including attorneys&#8217; fees and expenses, expenses and cost of investigations, and expenses of enforcement of such person&#8217;s rights under this Article TENTH) incurred by such person in connection with
    such Proceeding; provided, however, that no such indemnification shall be required for amounts paid in any settlement or other nonadjudicated disposition of any Proceeding unless the Board of Directors of the Corporation has given its prior consent to
    such settlement or disposition.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">(C) The right to indemnification conferred by this Article TENTH shall also include the right of such persons to be paid in advance by the Corporation for their expenses to the full
    extent permitted by the laws of the State of Delaware as from time to time in effect. The right to indemnification conferred on such persons by this Article TENTH shall be a contract right and shall inure to the benefit of the indemnitee&#8217;s heirs,
    executors and administrators.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">(D) The Corporation may, to the extent authorized from time to time by the Board of Directors, indemnify to the fullest extent permitted by the laws of the State of Delaware as from time
    to time in effect any person who was or is party or is threatened to be made a party to, or otherwise requires representation by counsel in connection with, any Proceeding, by reason of the fact that such person is or was an employee (other than an
    officer) or agent of the Corporation, or is or was serving at the request of the Corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, including service with respect to an
    employee benefit plan, or by reason of any action alleged to have been taken or omitted in such capacity.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">The rights and authority conferred in this Article TENTH shall not be exclusive of any other right which any person may have or hereafter acquire under any statute, provision of this
    Certificate of Incorporation or the By-Laws of the Corporation, agreement, vote of stockholders or disinterested directors or otherwise.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">Notwithstanding anything to the contrary contained in this Article TENTH, the Corporation shall not indemnify any person in connection with any Proceeding initiated by such person against
    any other person or entity other than the Corporation or any Subsidiary unless such Proceeding was authorized by the Board of Directors of the Corporation.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; margin-left: 72pt; color: #000000;">Neither the amendment nor repeal of this Article TENTH, nor the adoption of any provision of the Certificate of Incorporation or By-Laws or of any statute inconsistent with this Article
    TENTH, shall eliminate or reduce the effect of this Article TENTH in respect of any acts or omissions occurring prior to such amendment, repeal or adoption of an inconsistent provision.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">The Company has entered into Indemnity Agreements with each of its directors and executive officers, which provide for mandatory indemnification for each such person to the full extent permitted by law
    against judgments, fines, amounts paid in settlement in connection with any claim arising out of such person&#8217;s service to the Company unless he was adjudicated to have acted in bad faith, deliberate dishonesty or for personal gain.&#160; The agreements
    provide for advancement of expenses and specify procedures for determining entitlement to indemnification in a particular case.</div>
  <div><font style="color: #000000;"> </font><br>
  </div>
  <div style="text-indent: 36pt; color: #000000;">The Company maintains insurance coverage under which the Company&#8217;s officers and directors (as well as the Company) are indemnified under certain circumstances with respect to litigation and other costs and
    liabilities arising out of actual or alleged misconduct of such officers and directors.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="za02cc9f258b645c59eae70112d09d99a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-weight: bold;">Item 7.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0); font-weight: bold;">Exemption from Registration Claimed.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="text-align: justify; text-indent: 36pt; color: #000000;">Not applicable.</div>
  <div>&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" id="zc0b336a9a0fe4b0e8b7e91d4873f7c13" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-weight: bold;">Item 8.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0); font-weight: bold;">Exhibits.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" border="0" id="z2d9005e45d96440a9f01622ce71423a5" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 9%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="color: #000000;">Exhibit No.</div>
          </td>
          <td style="width: 1%; vertical-align: top; padding-bottom: 2px;" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="color: #000000;">Exhibit Description</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);">4.1P</div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.1 to the Company&#8217;s Registration Statement on Form S-1 filed September 1, 1995, Registration No. 33-96488).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="https://www.sec.gov/Archives/edgar/data/923139/000095015502000097/e650979ex4_2.txt">4.2</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 4.2 filed with Form S-8 filed May 31, 2002).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="https://www.sec.gov/Archives/edgar/data/923139/000117184312000924/exh_33.htm">4.3</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Certificate of Amendment to Certificate of Incorporation of Flushing Financial Corporation (incorporated by reference to Exhibit 3.3 filed with Form 10-K filed March 15, 2012).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="https://www.sec.gov/Archives/edgar/data/923139/000117184314003862/exh_36.htm">4.4</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Amended and Restated By-Laws of Flushing Financial Corporation (incorporated by reference to Exhibit 3.6 filed with Form 10-Q filed August 11, 2014).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex5-1.htm">5.1*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Opinion of Hughes Hubbard &amp; Reed LLP.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex5-1.htm">23.1*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Consent of Hughes Hubbard &amp; Reed LLP (included in Exhibit 5.1).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex23-2.htm">23.2*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Consent of BDO USA, P.C.</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="#POWERO">24.1*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Power of Attorney (included on signature page hereto).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="https://www.sec.gov/Archives/edgar/data/923139/000155837024011637/ffic-20240630xex10d1.htm">99.1</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Flushing Financial Corporation 2024 Omnibus Incentive Plan (incorporated by reference to Exhibit 10.1 filed with Form 10-Q filed on August 8, 2024).</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex99-2.htm">99.2*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Flushing Bank 401(k) Savings Plan</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex99-3.htm">99.3*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">First Amendment to Flushing Bank 401(k) Savings Plan</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="ef20033860_ex99-4.htm">99.4*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Second Amendment to Flushing Bank 401(k) Savings Plan</div>
          </td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; color: rgb(0, 0, 0);" rowspan="1">&#160;</td>
          <td style="width: 1%; vertical-align: top;" colspan="1" rowspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 9%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: rgb(0, 0, 0);"><a href="exfilingfees.htm">107.1*</a></div>
          </td>
          <td style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>
          <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="color: #000000;">Filing Fee Table.</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div>
    <hr noshade="noshade" align="left" style="height: 2px; width: 8%; color: #000000; background-color: #000000; margin-left: 0px; margin-right: auto; border: none;"></div>
  <div style="color: #000000;">*Filed herewith.</div>
  <div>P Indicates a filing submitted in paper. </div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" id="z52b9d1b192dd4f2d8875991e042953df" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 63pt; vertical-align: top; color: rgb(0, 0, 0); font-weight: bold;">Item 9.</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0); font-weight: bold;">Undertakings</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z3100e3dbbaa04ae0b356da1544b5803c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 36pt; vertical-align: top; color: #000000;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">The undersigned registrant hereby undertakes:</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z147e8d42e61642af993e2a1eb5d3bc07" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 36pt;">&#160;</td>
        <td style="width: 36pt; vertical-align: top; color: rgb(0, 0, 0);">(1)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">To file, during any period in which offers or sales are being made, a post-effective amendment to this Registration Statement:</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z8f5b0cebc08c4908bc6a85f3de5a9a71" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 72pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; color: #000000;">(i)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">To include any prospectus required by section 10(a)(3) of the Securities Act;</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z72b4233e8cad4f7695e8e1f4da4f559a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 72pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; color: #000000;">(ii)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">To reflect in the prospectus any facts or events arising after the effective date of the Registration Statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate,
            represent a fundamental change in the information set forth in the Registration Statement;</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z6f7b9826f5aa408196075037e46ffb63" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 72pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; color: #000000;">(iii)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">To include any material information with respect to the plan of distribution not disclosed previously in the Registration Statement or any material change to such information in the Registration Statement;</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <div style="margin-left: 72pt; color: #000000;">Provided however, that paragraphs (a)(1)(i) and (a)(1)(ii) of this section do not apply if the registration statement is on Form S-8, and the information required to be included in a post-effective
    amendment by those paragraphs is contained in reports filed with or furnished to the Securities and Exchange Commission by the registrant pursuant to section 13 or section 15(d) of the Exchange Act that are incorporated by reference in the Registration
    Statement.</div>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
  <table cellspacing="0" cellpadding="0" id="z327c19f903ce4b91897762ed5459d434" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

      <tr>
        <td style="width: 36pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; color: rgb(0, 0, 0);">(2)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="color: rgb(0, 0, 0);">That, for the purpose of determining any liability under the Securities Act, each such post-effective amendment shall be deemed to be a new registration statement relating to the securities offered therein, and
            the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof.</div>
        </td>
      </tr>

  </table>
  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
  </div>
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        <td style="width: 36pt; vertical-align: top; color: #000000;">(3)</td>
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          <div style="color: rgb(0, 0, 0);">To remove from registration by means of a post-effective amendment any of the securities being registered which remain unsold at the termination of the offering.</div>
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  <div style="text-align: center;"><font style="color: #000000;"> </font><br>
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        <td style="width: 36pt; vertical-align: top; color: #000000;">(b)</td>
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          <div style="color: rgb(0, 0, 0);">The undersigned registrant hereby undertakes that, for purposes of determining any liability under the Securities Act, each filing of the Company&#8217;s annual report pursuant to section 13(a) or section 15(d) of the
            Exchange Act (and, where applicable, each filing of the Flushing Bank 401(k) Savings Plan&#8217;s annual report pursuant to section 15(d) of the Exchange Act) that is incorporated by reference in the Registration Statement shall be deemed to be a new
            registration statement relating to the securities offered therein, and the offering of such securities at that time shall be deemed to be the initial <font style="font-style: italic;">bona fide</font> offering thereof.</div>
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          <div style="color: rgb(0, 0, 0);">Insofar as indemnification for liabilities arising under the Securities Act may be permitted to directors, officers and controlling persons of the registrant pursuant to the foregoing provisions, or otherwise,
            the registrant has been advised that in the opinion of the Securities and Exchange Commission such indemnification is against public policy as expressed in the Securities Act and is, therefore, unenforceable. In the event that a claim for
            indemnification against such liabilities (other than the payment by the registrant of expenses incurred or paid by a director, officer or controlling person of the registrant in the successful defense of any action, suit or proceeding) is
            asserted by such director, officer or controlling person in connection with the securities being registered, the registrant will, unless in the opinion of its counsel the matter has been settled by controlling precedent, submit to a court of
            appropriate jurisdiction the question whether such indemnification by it is against public policy as expressed in the Securities Act and will be governed by the final adjudication of such issue.</div>
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  <div style="text-align: center; color: #000000; font-weight: bold;">SIGNATURES</div>
  <div><font style="color: #000000;"> </font><br>
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  <div style="text-indent: 36pt; color: #000000;">Pursuant to the requirements of the Securities Act of 1933, the Company certifies that it has reasonable grounds to believe that it meets all of the requirements for filing on Form S-8 and has duly caused
    this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in Uniondale, New York, on August 12, 2024.</div>
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          <div style="color: #000000; font-weight: bold;">FLUSHING FINANCIAL CORPORATION</div>
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          <div style="color: #000000;">/s/ Susan K. Cullen</div>
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        <td style="width: 40%; vertical-align: top;">Susan K. Cullen</td>
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        <td style="width: 50%; vertical-align: top;">&#160;</td>
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        <td style="width: 40%; vertical-align: top;">Senior Executive Vice President, Treasurer, and Chief Financial Officer</td>
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  <div><br>
  </div>
  <div>
    <div style="text-indent: 36pt; color: #000000;">Pursuant to the requirements of the Securities Act of 1933, the Flushing Bank 401(k) Savings Plan administrator has duly caused this Registration Statement to be signed on its behalf by the undersigned,
      thereunto duly authorized, in Uniondale, New York, on August 12, 2024.</div>
    <div><br>
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          <div style="color: #000000; font-weight: bold;">FLUSHING BANK 401(K) SAVINGS PLAN</div>
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          <div style="color: #000000;">/s/ Susan K. Cullen</div>
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        <td style="width: 40%; vertical-align: top;">Susan K. Cullen</td>
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        <td style="width: 50%; vertical-align: top;">&#160;</td>
        <td style="width: 5%; vertical-align: top;">&#160;</td>
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  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
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    <div style="text-align: center; color: #000000; font-weight: bold;"><a name="POWERO"><!--Anchor--></a>POWER OF <a name="ATTORNEY"></a>ATTORNEY</div>
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    <div style="text-indent: 36pt; color: #000000;">Pursuant to the requirements of the Securities Act, this Registration Statement has been signed by the following persons in the capacities and on the dates indicated. In addition, we the undersigned
      directors and officers of the Company hereby severally constitute and appoint John R. Buran, Susan K. Cullen and Maria A. Grasso, or any one of them acting alone, as our true and lawful attorneys and agents, to do any and all things in our names in
      the capacities indicated below which he or she may deem necessary or advisable to enable the Company to comply with the Securities Act of 1933, as amended, and any rules, regulations and requirements of the Securities and Exchange Commission,
      including specifically, but not limited to, power and authority to sign for us in our names in the capacities indicated below the registration statement and any and all amendments (including post-effective amendments) thereto; and we hereby approve,
      ratify and confirm all that he or she shall do or cause to be done by virtue thereof.</div>
    <div><br>
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            <div style="color: #000000;">/s/ Alfred A. DelliBovi</div>
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            <div style="text-align: center; color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 20%; vertical-align: top;">&#160;</td>
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            <div style="color: #000000;">/s/ Michael A. Azarian</div>
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          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 40.36%; vertical-align: bottom;">
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 35%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
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          <td style="width: 35%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
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            <div style="color: #000000;">/s/ James D. Bennett</div>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">
            <div style="text-align: center; color: #000000;">Director</div>
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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            <div style="color: #000000;">/s/ Susan K. Cullen</div>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; color: #000000;">
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          <td rowspan="1" style="width: 4.64%; vertical-align: bottom;">&#160;</td>
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            <div style="color: #000000;">/s/ Steven J. D&#8217;Iorio</div>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">
            <div style="text-align: center; color: #000000;">Director</div>
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          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td rowspan="1" style="width: 20%; vertical-align: top;">&#160;</td>
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          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 20%; vertical-align: top;">&#160;</td>
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            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
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          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
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          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 35%; vertical-align: bottom;">
            <div style="color: #000000;">Donna M. O&#8217;Brien</div>
          </td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">
            <div style="text-align: center; color: #000000;">Director</div>
          </td>
          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
            </div>
          </td>
        </tr>
        <tr>
          <td style="width: 35%; vertical-align: bottom;">&#160;</td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 35%; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="color: #000000;">/s/ Caren C. Yoh</div>
          </td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">&#160;</td>
          <td style="width: 20%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 35%; vertical-align: bottom;">
            <div style="color: #000000;">Caren C. Yoh</div>
          </td>
          <td style="width: 4.64%; vertical-align: bottom;">&#160;</td>
          <td style="width: 40.36%; vertical-align: bottom;">
            <div style="text-align: center; color: #000000;">Director</div>
          </td>
          <td style="width: 20%; vertical-align: top;">
            <div style="text-align: center; color: #000000;">
              <div style="color: #000000;">August 12, 2024</div>
            </div>
          </td>
        </tr>

    </table>
    <div><br>
    </div>
    <div><br>
    </div>
  </div>
  <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
</body>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-5.1
<SEQUENCE>2
<FILENAME>ef20033860_ex5-1.htm
<DESCRIPTION>EXHIBIT 5.1
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions. Inc.
         Document created using Broadridge PROfile 24.6.2.5244
         Copyright 1995 - 2024 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 5.1</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 50%; vertical-align: top;">
              <div><img width="133" height="96" src="image00001.jpg"></div>
            </td>
            <td style="width: 50%; vertical-align: top;">
              <div style="text-align: right;">Hughes Hubbard &amp; Reed LLP</div>
              <div style="text-align: right; font-size: 8pt;">One Battery Park Plaza</div>
              <div style="text-align: right; font-size: 8pt;">New York, New York 10004-1482</div>
              <div style="text-align: right; font-size: 8pt;">Telephone: +1 (212) 837-6000</div>
              <div style="text-align: right; font-size: 8pt;">Fax: +1 (212) 422-4726</div>
              <div style="text-align: right; font-size: 8pt;">hugheshubbard.com</div>
              <div style="text-align: right;">&#160;</div>
            </td>
          </tr>

      </table>
    </div>
    <div>
      <div><br>
      </div>
      <div style="margin-right: 39.6pt; margin-left: 252pt; color: #231F20;">August 12, 2024</div>
      <div>&#160;</div>
      <div>Flushing Financial Corporation</div>
      <div>220 RXR Plaza</div>
      <div>Uniondale, NY 11556</div>
      <div>&#160;</div>
      <div>
        <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;">

            <tr style="vertical-align: top;">
              <td style="width: 36pt;">&#160;</td>
              <td style="text-align: right; vertical-align: top; width: 36pt;">
                <div style="text-align: left;">Re:</div>
              </td>
              <td style="text-align: left; vertical-align: top; width: auto;">
                <div><u>2014 Omnibus Incentive Plan and Flushing Bank 401(k) Savings Plan</u></div>
              </td>
            </tr>

        </table>
      </div>
      <div><br>
      </div>
      <div>Ladies and Gentlemen:</div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; margin-right: 45pt; color: #231F20;">We have acted as counsel to Flushing Financial Corporation, a Delaware corporation (the &#8220;Company&#8221;), in connection with a Registration Statement on Form S-8 (the &#8220;Registration
        Statement&#8221;) under the Securities Act of 1933, as amended (the &#8220;Act&#8221;), relating to the issuance by the Company from time to time of (i) 974,000 shares of common stock, $0.01 par value (the &#8220;Common Stock&#8221;), of the Company, to be issued pursuant to
        the Company&#8217;s 2024 Omnibus Incentive Plan (the &#8220;Incentive Plan&#8221;), and (ii) an additional 1,000,000 shares of Common Stock to be issued pursuant to the Flushing Bank 401(k) Savings Plan (together with the Incentive Plan, the &#8220;Plans&#8221;). This opinion
        is being furnished in accordance with the requirements of Item 8 of Form S-8 and Item 601(b)(5)(i) of Regulation S-K of the Act.</div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; margin-right: 45pt; color: #231F20;">We have examined such documents and have reviewed such questions of law as we have considered necessary and appropriate for the purposes of the opinions set forth below. In rendering
        our opinions set forth below, we have assumed the authenticity of all documents submitted to us as originals, the genuineness of all signatures and the conformity to authentic originals of all documents submitted to us as copies. We have also
        assumed the legal capacity for all purposes relevant hereto of all natural persons and, with respect to all parties to agreements or instruments relevant hereto other than the Company, that such parties had the requisite power and authority
        (corporate or otherwise) to execute, deliver and perform such agreements or instruments, that such agreements or instruments have been duly authorized by all requisite action (corporate or otherwise), executed and delivered by such parties and that
        such agreements or instruments are the valid, binding and enforceable obligations of such parties. As to questions of fact material to our opinions, we have relied upon certificates of officers of the Company and of public officials.</div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; margin-right: 45pt; color: #231F20;">Based on the foregoing, we are of the opinion that if, as and when the shares referenced above have been issued and sold (and the consideration therefor received) in accordance with
        the terms of the respective Plans and in accordance with the Registration Statement, such shares will be validly issued, fully paid and nonassessable.</div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; margin-right: 45pt; color: #231F20;">Our opinion expressed above is limited to the Delaware General Corporation Law, and we express no opinion with respect to the applicability of any other laws. We hereby consent to
        the filing of this opinion letter as Exhibit 5.1 to the Registration Statement. In giving this consent, we do not thereby admit that we are within the category of persons whose consent is required under Section 7 of the Act, the rules and
        regulations of the Securities and Exchange Commission promulgated thereunder, or Item 509 of Regulation S-K.</div>
      <div>&#160;</div>
      <div style="text-indent: 36pt; margin-right: 45pt; color: #231F20;">This opinion letter is rendered as of the date first written above and we disclaim any obligation to advise you of facts, circumstances, events, or developments which hereafter may
        be brought to our attention, and which may alter, affect or modify the opinions expressed herein. Our opinions are expressly limited to the matters set forth above and we render no opinion, whether by implication or otherwise, as to any other
        matters relating to the Company, the Plans, or the Shares.</div>
      <div>&#160;</div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

          <tr>
            <td style="width: 55%; vertical-align: top;">&#160;</td>
            <td style="width: 45%; vertical-align: top;">
              <div style="margin-right: 39.6pt; color: #231F20;">Very truly yours,</div>
            </td>
          </tr>
          <tr>
            <td rowspan="1" style="width: 55%; vertical-align: top;">&#160;</td>
            <td rowspan="1" style="width: 45%; vertical-align: top;">&#160;</td>
          </tr>
          <tr>
            <td style="width: 55%; vertical-align: top;">&#160;</td>
            <td style="width: 45%; vertical-align: top;">
              <div style="margin-right: 39.6pt; color: #231F20;">/s/ Hughes Hubbard &amp; Reed LLP</div>
            </td>
          </tr>

      </table>
      <div><br>
      </div>
      <div>&#160;</div>
      <div>
        <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"></div>
    </div>
  </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.2
<SEQUENCE>3
<FILENAME>ef20033860_ex23-2.htm
<DESCRIPTION>EXHIBIT 23.2
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions. Inc.
         Document created using Broadridge PROfile 24.6.2.5244
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
  <div style="text-align: right;"><font style="font-weight: bold;">Exhibit 23.2</font><br>
  </div>
  <div> <br>
  </div>
  <div>
    <div>
      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="z117ca37a9bea4bb69237e965629902c4">

          <tr>
            <td style="width: 33.33%;">
              <div>&#160;<img src="image00002.jpg"></div>
            </td>
            <td style="width: 34%; text-align: left; vertical-align: top;">
              <div><a name="Phone"></a><font style="font-size: 8pt; color: rgb(64, 64, 64);"></font></div>
              <div><font style="font-size: 8pt; color: rgb(64, 64, 64);">Tel:</font>&#160;&#160;&#160;&#160;&#160; <font style="font-size: 8pt; color: rgb(64, 64, 64);">212-885-8000</font></div>
              <div><font style="font-size: 8pt; color: rgb(64, 64, 64);">Fax:</font>&#160;&#160;&#160;&#160; <font style="font-size: 8pt; color: rgb(64, 64, 64);">212-697-1299</font></div>
              <div style="color: rgb(64, 64, 64); font-size: 8pt; font-weight: bold;">www.bdo.com</div>
            </td>
            <td style="width: 33.33%; text-align: left; vertical-align: top;">
              <div>
                <div style="color: rgb(64, 64, 64); font-size: 8pt;"> <font style="font-weight: bold;">BDO</font><br>
                </div>
                <div style="color: rgb(64, 64, 64); font-size: 8pt;">200 Park Avenue<br>
                </div>
                <div style="color: rgb(64, 64, 64); font-size: 8pt;">New York, NY 10166</div>
                <div style="color: rgb(64, 64, 64); font-size: 8pt;">USA<br>
                </div>
              </div>
            </td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div style="text-align: center; color: #000000;"><u>Consent of Independent Registered Public Accounting Firm</u></div>
    <div>&#160;</div>
    <div></div>
    <div style="text-align: justify; color: #000000;">Flushing Financial Corporation</div>
    <div style="text-align: justify; color: #000000;">Uniondale, New York</div>
    <div>&#160;</div>
    <div style="text-align: justify;"><font style="color: rgb(0, 0, 0);">We hereby consent to the incorporation by reference in this Registration Statement on Form S-8 of Flushing Financial Corporation of our reports dated March 15, 2024, relating to the
        consolidated financial statements and the effectiveness of internal control over financial reporting of Flushing Financial Corporation appearing in the Company&#8217;s Annual Report on Form 10-K for the year ended December 31, 2023. Our report on the
        effectiveness of internal control over financial reporting expresses an adverse opinion on the effectiveness of the Company&#8217;s internal control over financial reporting as of December 31, 2023.</font></div>
    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" border="0" id="zd08c1663d6a9490aa584b6c893375bb3" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: justify; color: #000000;">/s/ BDO USA, P.C.</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: justify; color: #000000;">New York, New York</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
          <td style="width: 50%; vertical-align: top;" rowspan="1">&#160;</td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top;">
            <div style="text-align: justify; color: #000000;">August 12, 2024</div>
          </td>
          <td style="width: 50%; vertical-align: top;">&#160;</td>
        </tr>

    </table>
    <div> <font style="color: rgb(0, 0, 0);"><br>
      </font></div>
    <font style="color: rgb(0, 0, 0);"><br>
    </font>
    <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 6pt;">BDO USA refers to BDO USA, P.C., a virginia professional corporation, also doing business in certain jurisdictions with an alternative identifying abbreviation, such as Corp. or
      P.S.C.</div>
    <font style="font-size: 6pt;"> </font>
    <div style="text-align: justify; font-size: 6pt;"><font style="color: rgb(0, 0, 0);"> <br>
      </font></div>
    <font style="font-size: 6pt;"> </font>
    <div style="text-align: justify; color: rgb(0, 0, 0); font-size: 6pt;">BDO USA, P.C. is the U.S. member of BDO International Limited, a UK company limited by guarantee, and forms part of the international BDO network of independent member firms.</div>
    <font style="font-size: 6pt;"> </font>
    <div style="text-align: justify; font-size: 6pt;"><font style="color: rgb(0, 0, 0);"> <br>
      </font></div>
    <font style="font-size: 6pt;"> </font>
    <div style="color: rgb(0, 0, 0); font-size: 6pt;">BDO is the brand name for the BDO network and for each of the BDO Member Firms.</div>
    <font style="font-size: 6pt;"> </font>
    <div><font style="font-size: 6pt;"> </font>
      <div><font style="font-size: 6pt;"><br>
        </font> </div>
      <font style="font-size: 6pt;"> </font><br>
    </div>
    <div>
      <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"> </div>
  </div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>4
<FILENAME>ef20033860_ex99-2.htm
<DESCRIPTION>EXHIBIT 99.2
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Broadridge Financial Solutions. Inc.
         Document created using Broadridge PROfile 24.6.2.5244
         Copyright 1995 - 2024 Broadridge -->
  </head>
<body bgcolor="#ffffff" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000;">
  <div style="text-align: right; font-size: 12pt; font-weight: bold;">
    <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;"><font style="font-size: 10pt;">Exhibit 99.2</font></div>
  <div><br>
  </div>
  <div style="text-align: center; font-weight: bold;">FLUSHING BANK 401(K) SAVINGS PLAN</div>
  <div style="text-align: center; font-weight: bold;">(January 1, 2021 Restatement)</div>
  <div style="text-align: center; margin-right: 18.95pt; font-weight: bold;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <!--PROfilePageNumberReset%LCR%1%%%-->
  <div style="text-align: center; font-weight: bold;">TABLE OF CONTENTS</div>
  <div><br>
  </div>
  <div>
    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z5b313be1d867451badc1374d72dfc8c8">

        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">PREAMBLE</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">1</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">ARTICLE I DEFINITIONS AND INTERPRETATION</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">2</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;"><br>
          </td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">1.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Plan Definitions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">2</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">1.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Interpretation</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">13</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">
            <div style="font-weight: bold;">ARTICLE II SERVICE</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-weight: bold;">14</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">2.1</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Special Definitions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">14</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">2.2</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Crediting of Hours of Service</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">2.3</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Crediting of &#8220;Continuous Service&#8221;</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">2.4</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Crediting Eligibility Service</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">15</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">2.5</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Vesting Service</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">16</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">2.6</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Crediting of Service on Transfer or Amendment</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">16</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">ARTICLE III ELIGIBILITY</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">17</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">3.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Eligibility</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">17</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">3.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Transfers of Employment</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">18</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">3.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Reemployment</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">18</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">3.4</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Notification Concerning New Eligible Employees</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">19</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">3.5</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Effect and Duration</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">19</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">ARTICLE IV 401(K) CONTRIBUTIONS</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">20</div>
          </td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">&#160;</td>
          <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">4.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">20</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">4.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Amount of 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">20</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">4.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Catch-Up 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">20</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">4.4</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Contributions&#160; Limited&#160; to&#160; Effectively&#160; Available&#160; Compensation</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">21</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">4.5</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Amendments to Reduction Authorization</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">21</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">4.6</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Suspension of 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">21</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">4.7</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Resumption of 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">4.8</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Delivery of 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">22</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">4.9</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Vesting of 401(k) Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">22</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-weight: bold;">ARTICLE V AFTER-TAX AND ROLLOVER CONTRIBUTIONS.</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-weight: bold;">23</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
          <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">5.1</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">No After-Tax Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">5.2</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Rollover Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">5.3</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Direct Rollovers to Plan</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">23</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">5.4</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Participant Rollovers to Plan</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: center; font-weight: bold;">5.5</div>
          </td>
          <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="font-variant: small-caps; font-weight: bold;">Restrictions on Rollover Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">24</div>
          </td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">5.6</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Vesting of Rollover Contributions</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">25</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td colspan="2" style="vertical-align: top;">
            <div style="font-weight: bold;">ARTICLE VI EMPLOYER CONTRIBUTIONS</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-weight: bold;">26</div>
          </td>
        </tr>
        <tr>
          <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
          <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
        </tr>
        <tr>
          <td style="width: 8%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">6.1</div>
          </td>
          <td style="width: 82%; vertical-align: top;">
            <div style="font-variant: small-caps; font-weight: bold;">Contribution Period</div>
          </td>
          <td style="width: 10%; vertical-align: top;">
            <div style="text-align: right; font-variant: small-caps; font-weight: bold;">26</div>
          </td>
        </tr>

    </table>
  </div>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">i</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="ze6b837209e794ff5824ca4ef84407a3c">

      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Amount and Allocation of Profit Sharing Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">26</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Amount and Allocation of Retirement Account Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">27</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Special Annual Company Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">27</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Allocation of Special Annual Company Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">27</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.6</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Amount and Allocation of Matching Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">27</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.7</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Limits on Matching Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">28</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.8</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Verification of Amount of Employer Contributions by the Sponsor</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">28</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.9</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Payment of Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">28</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.10</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Allocation Requirements for Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">29</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.11</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Exceptions to Allocation Requirements for Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">29</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.12</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Vesting of Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">30</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.13</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">100% Vesting Events</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">30</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">6.14</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Changes to Vesting Schedule</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">30</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">6.15</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Forfeitures to Reduce Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">31</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE VII LIMITATIONS ON CONTRIBUTIONS</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">32</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Special Definitions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">32</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Code Section 402(g) Limit</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">41</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Distribution of &#8220;Excess Deferrals&#8221;</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">42</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Limitation on 401(k) Contributions of Highly Compensated Employees &#8211; ADP Test</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">42</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Determination and Allocation of &#8220;Excess Contributions&#8221;
            <div style="font-variant: small-caps; font-weight: bold;">Among Highly Compensated Employees</div>
          </div>
        </td>
        <td style="width: 10%; vertical-align: top; font-weight: bold; text-align: right;">44</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.6</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Treatment of &#8220;Excess Contributions&#8221;</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255); text-align: right;"><font style="font-weight: bold;">45</font><br>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.7</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Limitation on Contributions of Highly Compensated Employees &#8211; ACP Test</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">46</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.8</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Determination and Allocation of Excess Aggregate Contributions Among Highly Compensated Employees</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">47</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.9</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Forfeiture or Distribution of &#8220;Excess Aggregate Contributions&#8221;</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">48</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.10</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Treatment of Forfeited Matching Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">49</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.11</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Determination of Income or Loss</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">49</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.12</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Code Section 415 Limitations on Crediting of Contributions and Forfeitures</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">49</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">7.13</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Application of Code Section 415 Limitations Where Participant is Covered Under Other Qualified Defined Contribution Plan</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">50</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">7.14</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Scope of Limitations</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">50</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE VIII TRUST FUNDS AND ACCOUNTS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">51</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">8.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">General Fund</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">51</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">8.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Investment Funds</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">51</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">ii</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z045c0006254541ccba79211e1dfe5e53">

      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">8.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Loan Investment Fund</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">51</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">8.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Employer Stock Investment Fund</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">51</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">8.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Income on Trust</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">51</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">8.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Accounts</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">52</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">8.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Sub-Accounts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">52</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE IX LIFE INSURANCE CONTRACTS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">53</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">9.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">No Life Insurance Contracts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">53</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE X DEPOSIT AND INVESTMENT OF CONTRIBUTIONS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">54</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">10.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Future Contribution Investment Elections</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">54</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">10.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Deposit of Participant Directed Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">54</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">10.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Investment and Deposit of Certain Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">54</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">10.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Election to Transfer Between Funds</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">55</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">10.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">404(C) PROTECTION</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">56</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">10.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Diversification of Employer Stock</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">56</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">10.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Voting and Tendering Employer Stock</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">58</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">10.8</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Special Restrictions to Comply with Section 16 and Employer&#8217;s Insider Trading Policy</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">59</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XI CREDITING AND VALUING ACCOUNTS</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">11.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Crediting Accounts</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">11.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Valuing Accounts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">11.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Unit Accounting Permitted</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">11.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Finality of Determinations</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">11.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Notification</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">60</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XII LOANS.</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">61</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">12.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Application for Loan</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">61</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">12.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Collateral for Loan</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">61</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">12.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Reduction of Account Upon Distribution</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">62</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">12.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Legal Requirements Applicable to Plan Loans</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">62</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">12.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Administration of Loan Investment Fund</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">64</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">12.6</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Default</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">64</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">12.7</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Deemed Distribution Under Code Section 72(p)</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">65</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">12.8</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Treatment of Outstanding Balance of Loan Deemed Distributed Under Code Section 72(p)</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">65</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">12.9</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Special Rules Applicable to Loans</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">65</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">12.10</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">PRIOR LOANS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">66</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE XIII WITHDRAWALS WHILE EMPLOYED</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">67</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; text-align: center;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Non-Hardship Withdrawals of Rollover Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">67</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">13.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Non-Hardship Withdrawals of Restricted Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">67</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Non-Hardship Withdrawals of Matching Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">67</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">13.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Qualified Reservists Withdrawals of 401(k) Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">67</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iii</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z7441ff043fcc478c8b6525a1f37038d9">

      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Withdrawal Upon Deemed Severance from Employment Due to Qualified Military Service</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">68</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">13.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Overall Limitations on Non-Hardship Withdrawals</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">68</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Hardship Withdrawals</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">69</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">13.8</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Hardship Determination</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">69</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.9</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Satisfaction of Necessity Requirement for Hardship Withdrawals</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">70</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">13.10</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Conditions and Limitations on Hardship Withdrawals</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">71</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">13.11</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Order of Withdrawal from a Participant&#8217;s Sub-Accounts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">71</div>
        </td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">&#160;</td>
        <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE XIV TERMINATION OF EMPLOYMENT AND SETTLEMENT DATE</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">73</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">&#160;</td>
        <td style="width: 82%; vertical-align: top;">&#160;</td>
        <td style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">14.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Termination of Employment and Settlement Date</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">73</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">14.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Separate Accounting for Non-Vested Amounts</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">73</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">14.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Disposition of Non-Vested Amounts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">73</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">14.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Treatment of Forfeited Amounts</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">74</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">14.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Recrediting of Forfeited Amounts</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">75</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE XV DISTRIBUTIONS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">76</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">15.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Distributions to Participants</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">76</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">15.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Distributions to Beneficiaries</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">76</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">15.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Code Section 401(a)(9) Requirements</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">76</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">15.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Cash Outs and Participant Consent</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">80</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">15.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Required Commencement of Distribution</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">80</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">15.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Reemployment of a Participant</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">80</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">15.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Restrictions on Alienation</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">80</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">15.8</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Facility of Payment</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">81</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">15.9</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Inability to Locate Payee and Non-Negotiated Checks</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">81</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">15.10</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Distribution Pursuant to Qualified Domestic Relations&#160; Orders</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">82</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XVI FORM OF PAYMENT</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">83</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">16.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Applicability</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">83</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">16.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Form of Payment</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">83</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">16.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Direct Rollover</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">83</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">16.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Notice Regarding Form of Payment</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">85</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">16.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Distribution in the Form of Employer Stock</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">85</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XVII BENEFICIARIES</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">86</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">17.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Designation of Beneficiary</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">86</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">17.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Designation of Beneficiary &#8211; Special Rule for Prior Profit Sharing Plan Participants</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">86</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">17.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Spousal Consent Requirements</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">87</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">iv</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="zfc13c4e1efeb416b931ddfb1556e8579">

      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1" colspan="2">
          <div style="font-weight: bold;">ARTICLE XVIII ADMINISTRATION</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255); font-weight: bold; text-align: right;" rowspan="1">88</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 82%; vertical-align: top;" rowspan="1">&#160;</td>
        <td style="width: 10%; vertical-align: top;" rowspan="1">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Authority of the Sponsor and Administrator</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">88</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">18.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Discretionary Authority</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">88</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Action of the Sponsor</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">89</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">18.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Claims Review Procedure</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">89</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Exhaustion of Remedies</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">96</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">18.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Grounds for Judicial Review</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">96</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Qualified Domestic Relations Orders</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">96</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">18.8</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Correction of Erroneous Payments and Overpayments</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">97</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.9</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Employee Benefits Committee</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">97</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">18.10</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Actions Binding</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">97</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">18.11</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Disaster Relief Policy</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">98</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE XIX AMENDMENT AND TERMINATION</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">99</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">19.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Amendment by the Mass Submitter</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">99</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">19.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Amendment by Plan Sponsor</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">99</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">19.3</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Amendment by Provider</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">100</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">19.4</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Limitation on Amendment</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">102</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">19.5</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Termination</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">102</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">19.6</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Inability to Locate Payee on Plan Termination</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">104</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">19.7</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Reorganization</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">104</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">19.8</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Withdrawal of an Employer</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">104</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">19.9</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Loss of Pre-Approved Plan Status</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">104</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">ARTICLE XX ADOPTION BY OTHER ENTITIES</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">105</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">20.1</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Adoption by Related Employers</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">105</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">20.2</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Effective Plan Provisions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">105</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XXI MISCELLANEOUS PROVISIONS</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">No Commitment as to Employment</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Benefits</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">No Guarantees</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Expenses</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.5</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Precedent</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">106</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.6</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Duty to Furnish Information</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">107</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.7</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Merger, Consolidation, or Transfer of Plan Assets</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">107</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.8</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Condition on Employer Contributions</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">107</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.9</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Return of Contributions to an Employer</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">107</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.10</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Validity of Plan</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">108</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.11</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Trust Agreement</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">108</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.12</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Parties Bound</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">108</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.13</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Application of Certain Plan Provisions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">108</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.14</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold; font-variant: small-caps;">MERGED PLANS</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">108</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.15</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Transferred Funds</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">109</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">v</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z74e670b6ddcb45b981eede585cad578a">

      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255); font-weight: bold; text-align: center;" rowspan="1">21.16</td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);" rowspan="1">
          <div style="font-variant: small-caps; font-weight: bold;">Veterans Reemployment Rights</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255); font-weight: bold; text-align: right;" rowspan="1">109</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.17</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Delivery of Cash Amounts</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">110</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">21.18</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Written Communications</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">110</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">21.19</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Plan Correction Procedures</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">110</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td colspan="2" style="vertical-align: top;">
          <div style="font-weight: bold;">ARTICLE XXII TOP-HEAVY PROVISIONS</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-weight: bold;">111</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" colspan="2" style="vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top; text-align: right; background-color: rgb(204, 238, 255);">&#160;</td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">22.1</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Definitions</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">111</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">22.2</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Applicability</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">112</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top;">
          <div style="text-align: center; font-weight: bold;">22.3</div>
        </td>
        <td style="width: 82%; vertical-align: top;">
          <div style="font-variant: small-caps; font-weight: bold;">Minimum Employer Contribution</div>
        </td>
        <td style="width: 10%; vertical-align: top;">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">113</div>
        </td>
      </tr>
      <tr>
        <td style="width: 8%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: center; font-weight: bold;">22.4</div>
        </td>
        <td style="width: 82%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-variant: small-caps; font-weight: bold;">Exclusion of Collectively-Bargained Employees</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-variant: small-caps; font-weight: bold;">113</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z90340cc5b8e7476780fb91e84cd1d3a7">

      <tr>
        <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">APPENDIX TO FLUSHING BANK 401(K) SAVINGS PLAN</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">115</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" style="width: 90%; vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">APPENDIX TO FLUSHING BANK 401(K) SAVINGS PLAN</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">118</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" style="width: 90%; vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">BIPARTISAN BUDGET ACT OF 2018 AND THE 2017 TAX CUTS AND JOBS ACT</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">1</div>
        </td>
      </tr>
      <tr>
        <td rowspan="1" style="width: 90%; vertical-align: top;">&#160;</td>
        <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>
      </tr>
      <tr>
        <td style="width: 90%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="font-weight: bold;">CORONAVIRUS AID, RELIEF AND ECONOMIC SECURITY ACT (&#8220;CARES ACT&#8221;)</div>
        </td>
        <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
          <div style="text-align: right; font-weight: bold;">1</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">vi</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <!--PROfilePageNumberReset%Num%1%%%-->
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250172"></a>PREAMBLE</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 28.95pt;">The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, is hereby amended and restated in its entirety. This amendment and restatement shall be effective as of January 1, 2021, but
    with respect only to Employees who retire, die, or otherwise terminate their employment on or after said date. The Plan, as amended and restated hereby, is intended to qualify as a profit-sharing plan under Code Section 401(a) and includes a cash or
    deferred arrangement that is intended to qualify under Code Section 401(k). The Plan is maintained for the exclusive benefit of eligible Employees and their Beneficiaries.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 28.95pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant&#8217;s vested interest in his Account under the Plan on and after the effective date of this amendment and restatement shall be not less
    than his vested interest in his account on the day immediately preceding the effective date.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 28.95pt;">Effective as of October 24, 2019, (the &#8220;merger date&#8221;), the Empire National Bank 401(k) Plan (the &#8220;merged plan&#8221;) is merged into the Plan. All assets and liabilities of the &#8220;merged plan&#8221; are transferred to and made
    a part of the Plan. Each Covered Employee who was eligible to participate in the &#8220;merged plan&#8221; immediately prior to the &#8220;merger date&#8221; shall continue to be eligible to participate in the Plan on and after the &#8220;merger date&#8221;. In no event shall a
    Participant&#8217;s vested interest in his Sub-Account attributable to amounts transferred to the Plan from the &#8220;merged plan&#8221; (his &#8220;transferee Sub-Account&#8221;) on and after the &#8220;merger date&#8221; be less than his vested interest in his account under the &#8220;merged
    plan&#8221; immediately prior to the &#8220;merger date&#8221;. Notwithstanding any other provision of the Plan to the contrary, a Participant&#8217;s service credited for eligibility and vesting purposes under the &#8220;merged plan&#8221; as of the &#8220;merger date&#8221;, if any, shall be
    included as Eligibility and Vesting Service under the Plan to the extent Eligibility and Vesting Service are credited under the Plan; provided, however, that inclusion of such service shall not duplicate the Eligibility and Vesting Service otherwise
    credited under the Plan for periods prior to the &#8220;merger date&#8221;.</div>
  <div style="margin-right: 48.3pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250171"></a>ARTICLE I </div>
  <div style="text-align: center; font-weight: bold;">DEFINITIONS AND INTERPRETATION</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2db2ef621307405794be8dad3372fac9">

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        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250170"></a><font style="font-weight: bold;">1.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Plan Definitions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">As used herein, the following words and phrases, when they appear with initial letters capitalized as indicated below, have the meanings hereinafter set forth:</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Account</font>&#8221; means the account maintained by the Trustee in the name of a Participant that reflects his interest in the Trust and any Sub-Accounts maintained thereunder, as
    provided in Article VIII.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Administrator</font>&#8221; means the Employee Benefits Committee appointed by the Sponsor pursuant to Article XVIII or its delegate, except that for purposes of the reporting and
    disclosure requirements of ERISA and the Code it means the Sponsor.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">After-Tax Contribution</font>&#8221; means any after-tax employee contribution made by a Participant to the Plan as may be permitted under Article V or as may have been permitted under
    the terms of the Plan prior to this amendment and restatement or any after-tax employee contribution made by a Participant to another plan that is transferred directly to the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Beneficiary</font>&#8221; of a Participant means the person or persons entitled under the provisions of the Plan to receive distribution hereunder in the event the Participant dies
    before receiving distribution of his entire interest under the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s &#8220;<font style="font-weight: bold;">Benefit Payment Date</font>&#8221; means the first day on which all events have occurred which entitle the Participant to receive payment of his benefit.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Catch-Up 401(k) Contribution</font>&#8221; means any 401(k) Contribution made on behalf of a Participant that is in excess of an applicable Plan limit and is made pursuant to, and is
    intended to comply with, Code Section 414(v).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Change of Control</font>&#8221; means any of the following events:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1ea7f1960b3d437996aa53bca912120a">

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        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>the acquisition of all or substantially all of the assets of the Sponsor or Flushing Financial Corporation (the &#8220;Holding Company&#8221;) by any person or entity, or by any persons or entities acting in concert; or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z557452dcf642410aacf86c43e3a0cbd0">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>
            <div>the occurrence of any event if, immediately following such event, a majority of the members of the Board of Directors of the Sponsor or the Holding Company or of any successor corporation shall consist of persons other than Current Members
              (for these purposes, a &#8220;Current Member&#8221; shall mean any member of the Board of Directors of the Sponsor or the Holding Company as of the effective date of the Sponsor&#8217;s conversion from the mutual to the capital stock form of ownership, and any
              successor of a Current Member whose nomination or election has been approved by a majority of the Current Members then on the Board of Directors); or</div>
          </div>
        </td>
      </tr>

  </table>
  <div> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd7afbaddfa0a412fbd7c8a14c595e61d">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>the acquisition of beneficial ownership, directly or indirectly (as provided in Rule 13d-3 under the Securities Exchange Act of 1934 (&#8220;Act&#8221;), or any successor rule), of twenty-five percent (25%) or more of the total combined voting power of
            all classes of stock of the Sponsor or the Holding Company by any person or group deemed a person under Section 13(d)(3) of the Act; or</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2d4d76fe203a4e37883fa9eb4eac80a9">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>approval by the stockholders of the Sponsor or the Holding Company of an agreement providing for the merger or consolidation of the Sponsor or the Holding Company with another corporation where the stockholders of the Sponsor or the Holding
            Company, immediately prior to the merger or consolidation, would not beneficially own, directly or indirectly, immediately after the merger or consolidation, shares entitling such stockholders to fifty percent (50%) or more of the total
            combined voting power of all classes of stock of the surviving corporation.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">Closing Price</font>&#8221; means the closing sale price for the Employer Stock, on its principal trading market (or determined in such other manner as determined by the Sponsor), on the
    applicable Valuation Date or, if there is no sale on such date, the closing sale price on the last preceding date on which there was a sale.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Code</font>&#8221; means the Internal Revenue Code of 1986, as amended from time to time. Reference to a Code section includes such section and any comparable section or sections of
    any future legislation that amends, supplements, or supersedes such section.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Compensation</font>&#8221; of a Participant for any period for the purposes of determining his contributions, other than Profit Sharing Contributions, means the base compensation paid
    to him by an Employer for services as an Employee (including salary and wages and wage continuation payments to an Employee absent due to illness or disability of a short-term nature) prior to any payroll deductions; provided, however, that it shall
    not include compensation deferred by the Participant under the Sponsor&#8217;s Supplemental Savings Incentive Plan (&#8220;SSIP deferrals&#8221;) except for purposes of determining the Participant&#8217;s Retirement Account Contributions. For these purposes, Compensation
    shall exclude overtime, commissions, expense allowances, severance pay, fees, bonuses, and contributions made by an Employer to the Plan or any other pension, deferred compensation, insurance, welfare or other employee benefit plan, except to the
    extent provided in the preceding sentence with respect to SSIP deferrals.</div>
  <div>&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;Compensation&#8221; of a Participant for any period for the purpose of determining his Profit Sharing Contributions, means the wages, salary, fees and other amounts defined as compensation in Code Section 415(c)(3)
    and Treasury Regulations Sections 1.415(c)- 2(b) and (c) paid to him by an Employer for services as an Eligible Employee. For purposes of determining Profit Sharing Contributions, Compensation shall include commissions, overtime, bonuses, wage
    continuation payments to an Employee absent due to illness or disability of a short-term nature, amounts paid or reimbursed by the Employer for Employee moving expenses (to the extent not deductible by the Employee), and the value of any nonqualified
    stock option granted to an Employee by the Employer (to the extent includable in gross income for the year granted). For purposes of determining Profit Sharing Contributions, Compensation does not include contributions made by the Employer to the Plan
    or any other pension, deferred compensation, insurance, welfare or other employee benefit plan, amounts realized from the exercise of a nonqualified stock option or upon the vesting of restricted stock, the sale of a qualified stock option, and other
    amounts which receive special tax benefits. In addition, and notwithstanding anything in the foregoing to the contrary, for purposes of determining Profit Sharing Contributions, Compensation does not include benefits under a pension or deferred
    compensation plan (whether or not qualified) regardless of when distributed or taxable. </div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, Compensation, for all purposes, includes (i) any elective deferral, as defined in Code Section 402(g)(3), (ii) any amount contributed or deferred by the Employer at the Participant&#8217;s
    election which is not includable in the Participant&#8217;s gross income by reason of Code Section 125, 132(f)(4), or 457, and (iii) certain contributions described in Code Section 414(h)(2) that are picked up by the employing unit and treated as employer
    contributions. Such amounts shall be included in Compensation only to the extent that they would otherwise have been included in Compensation as defined above. For purposes of this paragraph, amounts under a group health plan that a Participant cannot
    receive in cash in lieu of coverage under the group health plan because the Participant cannot certify that he has other health coverage will nevertheless be deemed to be excluded from the Participant&#8217;s taxable income pursuant to Code Section 125.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant has a severance from employment (as defined in Treasury Regulations Section 1.401(k)- 1(d)(2)) with the Employers and all Related
    Employers, Compensation shall not include amounts received by the Participant following such severance from employment except as provided below:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z808195d502a84328975dc62888061240">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Compensation shall include amounts that would otherwise have been paid to the Participant in the course of his employment and are regular compensation for services during the Participant&#8217;s regular working hours, compensation for services
            outside the Participant&#8217;s regular working hours (such as overtime or shift differential pay), commissions, bonuses, or other similar compensation, but only to the extent such amounts (1) would have been includable in Compensation if his
            employment had continued and (2) are paid before the later of (a) the close of the &#8220;limitation year&#8221; (as defined in Section 7.1) in which the Participant&#8217;s severance from employment occurs or (b) within 2 &#189; months of such severance.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf10782d7cbe94ec9b985f6445dffe799">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Compensation shall include amounts that are payments for accrued bona fide sick, vacation or other leave, but only if (1) the Participant would have been able to use such leave if his employment had continued, (2) such amounts would have
            been includable in Compensation if his employment had continued, and (3) such amounts are paid before the later of (a) the close of the &#8220;limitation year&#8221; (as defined in Section 7.1) in which the Participant&#8217;s severance from employment occurs or
            (b) within 2 &#189; months of such severance.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, Compensation does not include &#8220;differential pay&#8221;, as defined hereunder. For purposes of this paragraph, &#8220;differential pay&#8221; means any payment made to
    the Participant by the Employer with respect to a period during which the Participant is performing service in the uniformed services, that represents all or a portion of the wages the Participant would have received if he had continued employment with
    the Employer as a Covered Employee.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In no event, however, shall the Compensation of a Participant taken into account under the Plan for any Plan Year exceed the limit in effect under Code Section 401(a)(17) ($255,000 for Plan Years beginning in 2013,
    subject to adjustment annually as provided in Code Sections 401(a)(17)(B) and 415(d); provided, however, that the dollar increase in effect on January 1 of any calendar year, if any, is effective for Plan Years beginning in such calendar year). If the
    Compensation of a Participant is determined over a period of time that contains fewer than 12 calendar months, then the annual compensation limitation described above shall be adjusted with respect to that Participant by multiplying the annual
    compensation limitation in effect for the Plan Year by a fraction the numerator of which is the number of full months in the period and the denominator of which is 12; provided, however, that no proration is required for a Participant who is covered
    under the Plan for less than 1 full Plan Year if the formula for allocations is based on Compensation for a period of at least 12 months; and provided further that no proration is required merely because the amount of 401(k) Contributions or Matching
    Contributions that is contributed for each payroll period during a Plan Year is determined separately using Compensation for that payroll period.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Contribution Period</font>&#8221; means the period specified in Article VI for which Employer Contributions shall be made.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Covered Employee</font>&#8221; means any Employee of an Employer who is classified by an Employer, in accordance with its payroll records, as an employee of the Employer employed on a
    salaried basis. Notwithstanding the foregoing, the term &#8220;Covered Employee&#8221; shall not include the following:</div>
  <div>&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaaeebae23e084160b47ffb54c53cca43">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>any individual with respect to whom an Employer does not withhold income or employment taxes and file Form W-2 (or any replacement Form) with the Internal Revenue Service because such individual has executed a contract, letter of agreement,
            or other document acknowledging his status as an independent contractor who is not entitled to benefits under the Plan or is otherwise not classified by his Employer as a common law employee of the Employer (including, but not limited to, an
            individual who is classified by the Employer as an independent contractor or who is on the payroll of any person or organization which is not an Employer, such as a temporary help, staffing, employee leasing or professional employer
            organization), even if such individual is later determined by a court or government agency to be or have been a common law employee of his Employer, unless and until the Employer extends coverage to such individual. </div>
        </td>
      </tr>

  </table>
  <br>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z028a12d769c648ceacb81c175e869df4">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>any Leased Employee.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5b6831c3cdd1495cab336e871e27a656">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>any Self-Employed Individual.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9a04c109bc63478cafef19931797d36d">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>any Employee compensated exclusively on an hourly or commission basis.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The term &#8220;Covered Employee&#8221; shall include any Employee who is covered by a collective bargaining agreement with the Employer only if and to the extent such collective bargaining agreement provides for coverage under
    the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant is &#8220;<font style="font-weight: bold;">Disabled</font>&#8221; if he has a physical or mental condition, determined by the Administrator after review of those medical reports deemed satisfactory for this
    purpose, which renders him totally and permanently incapable of engaging in any substantial gainful employment based on his education, training, and experience.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Early Retirement Date</font>&#8221; of an Employee means the first day of the month coincident with or next following the Employee&#8217;s completion of 5 consecutive years of &#8220;vested
    service,&#8221; provided the sum of his attained age and &#8220;vested service&#8221; equals or exceeds 75 years. For this purpose, &#8220;vested service&#8221; means vested service as defined under the Sponsor&#8217;s qualified defined benefit retirement plan. In the case of an Empire
    Employee, his &#8220;vested service&#8221; shall include his Empire Service.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Earned Income</font>&#8221; of an individual means the net earnings from self-employment in the trade or business with respect to which the Plan is established, for which personal
    services of the individual are a material income producing factor. Net earnings will be determined without regard to items not included in gross income and the deductions allocable to such items. Net earnings are reduced by contributions by the
    individual&#8217;s Employer to a qualified plan to the extent the contributions are deductible under Code Section 404. Net earnings shall be determined with regard to the deduction allowed to the taxpayer by Code Section 164(f).</div>
  <div>&#160;
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Eligible Employee</font>&#8221; means: (1) for purposes of 401(k) Contributions and Rollover Contributions, any Covered Employee who has met the eligibility requirements for making
    such contributions under Article III; (2) for purposes of Matching and Special Annual Company Contributions, any Covered Employee who has met the eligibility requirements for receiving allocations of such contributions under Article III; (3) for
    purposes of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or before January 1, 2019, any Covered Employee who has met the eligibility requirements for receiving allocations of such contributions under Article III;
    and (4) for purposes of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1, 2020, any Grandfathered Covered Employee who has met the eligibility requirements for receiving allocations of such
    contributions under Article III. </div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Eligibility Service</font>&#8221; of an Employee means the period or periods of service credited to him under the provisions of Article II for purposes of determining his eligibility
    to participate in the Plan as may be required under Article III.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">Empire</font>&#8221; means Empire National Bank or Empire Bancorp, Inc.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Empire Employee</font>&#8221; means an Employee who was an employee of Empire immediately prior to the Empire Merger Date and was an Employee of an Employer on the Empire Merger Date.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Empire Merger Agreement</font>&#8221; means the Agreement and Plan of Bank Merger, dated as of October 24, 2019, by and between Flushing Bank and Empire National Bank.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Empire Merger Date</font>&#8221; means the day after the &#8220;Effective Time&#8221; (as defined in the Empire Merger Agreement) of the merger of Empire National Bank with and into Flushing
    Bank, with Flushing Bank as the surviving entity, pursuant to the Empire Merger Agreement.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">Empire Service</font>&#8221; means an Empire Employee&#8217;s service with Empire prior to the Empire Merger Date.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Employee</font>&#8221; means any common law employee of an Employer or a Related Employer, any Self-Employed Individual, and any Leased Employee.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Employer</font>&#8221; means the Sponsor and any entity which has adopted the Plan as may be provided under Article XX.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Employer Contribution</font>&#8221; means the amount, if any, that an Employer contributes to the Plan on behalf of its Eligible Employees in accordance with the provisions of Article
    VI or Article XXII and that an Eligible Employee may not elect instead to receive in cash.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">Employer Stock</font>&#8221; means the common stock of the Sponsor or, if the Sponsor is a wholly- owned subsidiary of a holding company, the common stock of such holding company.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">Employer Stock Investment Fund</font>&#8221; means the Investment Fund invested in Employer Stock.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Enrollment Date</font>&#8221; means the following:</div>
  <div style="margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcbe86dfb9a494ed3891d7387c90a3d85">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>For 401(k) Contributions and Rollover Contributions, each day; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3ca35c34e79741b7a2b72a6785833dd6">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>For Employer Contributions, the first day of the first payroll period commencing in a calendar month.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;<font style="font-weight: bold;">ERISA</font>&#8221; means the Employee Retirement Income Security Act of 1974, as amended from time to time. Reference to a section of ERISA includes such section and any comparable
    section or sections of any future legislation that amends, supplements, or supersedes such section.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">401(k) Contribution</font>&#8221; means any amount contributed to the Plan on behalf of a Participant that the Participant could elect to receive in cash, but that the Participant
    elects to have contributed to the Plan in accordance with the provisions of Article IV.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">General Fund</font>&#8221; means a Trust Fund maintained by the Trustee as required to hold and administer any assets of the Trust that are not allocated among any separate Investment
    Funds as may be provided in the Plan or the Trust Agreement. No General Fund shall be maintained if all assets of the Trust are allocated among separate Investment Funds.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Grandfathered Covered Employee</font>&#8221; means, for purposes of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1, 2020, a
    Covered Employee who either (1) was a Covered Employee on December 31, 2019, and has continued to be a Covered Employee at all times since December 31, 2019; or (2) had an outstanding offer letter from an Employer as of December 31, 2019, was hired by
    an Employer as a Covered Employee during January 2020, and has continued to be a Covered Employee at all times since such January 2020 date of hire.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In addition, the term &#8220;Grandfathered Covered Employee&#8221; shall also include a Covered Employee who (1) was employed by Empire at all times from December 31, 2019, through the day before the Empire Merger Date, (2)
    became a Covered Employee on the Empire Merger Date, and (3) has continued to be a Covered Employee at all times since the Empire Merger Date.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan, a Grandfathered Covered Employee who, for any reason, ceases to be a Covered Employee on or after January 1, 2020, shall also cease to be a Grandfathered Covered
    Employee as of the date he ceases to be a Covered Employee and shall not again become a Grandfathered Covered Employee even if he again becomes a Covered Employee.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Highly Compensated Employee</font>&#8221; means any Covered Employee who is a &#8220;highly compensated active employee&#8221; as defined hereunder.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;highly compensated active employee&#8221; includes any Covered Employee who performs services for an Employer or any Related Employer during the Plan Year and who (i) was a 5% owner at any time during the Plan Year or
    the &#8220;look back year&#8221; or (ii) received &#8220;compensation&#8221; from the Employers and Related Employers during the &#8220;look back year&#8221; in excess of the dollar amount in effect under Code Section 414(q)(1)(B)(i) adjusted pursuant to Code Section 415(d) (e.g.,
    $115,000 for &#8220;look back years&#8221; beginning after December 31, 2012).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The determination of who is a Highly Compensated Employee hereunder shall be made in accordance with the provisions of Code Section 414(q) and regulations issued thereunder.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of this definition, the following terms have the following meanings:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z189b113f33d84c49ae6983aafe17e441">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>An Employee&#8217;s &#8220;compensation&#8221; means his &#8220;415 compensation&#8221; as defined in Section 7.1.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze9dd62cedb1f43a4a6703cd7506fae8b">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The &#8220;look back year&#8221; means the 12-month period immediately preceding the Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Hour of Service</font>&#8221; with respect to an Employee means each hour, if any, that may be credited to him in accordance with the provisions of Article II.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Investment Fiduciary</font>&#8221; means the fiduciary responsible for investments under the Plan, including, if applicable, selection of the Investment Funds and direction of the
    Trustee. The Sponsor shall be the Investment Fiduciary, unless the Sponsor designates another person or persons to act as such. The Sponsor may designate different persons to act as its delegate in performing different functions of the Investment
    Fiduciary.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">Investment Fund</font>&#8221; means any separate investment Trust Fund maintained by the Trustee as may be provided in the Plan or the Trust Agreement or any separate investment fund
    maintained by the Trustee, to the extent that there are Participant Sub-Accounts under such funds, to which assets of the Trust may be allocated and separately invested.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Leased Employee</font>&#8221; means any person (other than an &#8220;excludable leased employee&#8221;) who performs services for an Employer or a Related Employer (the &#8220;recipient&#8221;) (other than an
    employee of the &#8220;recipient&#8221;) pursuant to an agreement between the &#8220;recipient&#8221; and any other person (the &#8220;leasing organization&#8221;) on a substantially full-time basis for a period of at least one year, provided that such services are performed under
    primary direction of or control by the &#8220;recipient&#8221;. An &#8220;excludable leased employee&#8221; means any Leased Employee of the &#8220;recipient&#8221; who is (a) covered by a money purchase pension plan maintained by the &#8220;leasing organization&#8221; which provides for (i) a
    nonintegrated employer contribution on behalf of each participant in the plan equal to at least 10% of 415 compensation (as defined in Section 7.1), (ii) full and immediate vesting, and (iii) immediate participation by employees of the &#8220;leasing
    organization&#8221; or (b) performs substantially all of his services for the &#8220;leasing organization&#8221; or (c) whose compensation from the &#8220;leasing organization&#8221; in each Plan Year during the 4-year period ending with the Plan Year is less than $1,000.
    Notwithstanding the foregoing, a person shall not be treated as an &#8220;excludable leased employee&#8221; if Leased Employees (including any individual who would otherwise be considered an &#8220;excludable leased employee&#8221;) constitute more than 20% of the
    &#8220;recipient&#8217;s&#8221; non-highly compensated work force. For purposes of this Section, contributions or benefits provided to a Leased Employee by the &#8220;leasing organization&#8221; that are attributable to services performed for the &#8220;recipient&#8221; shall be treated as
    provided by the &#8220;recipient&#8221;. </div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, if any person who performed services for a &#8220;recipient&#8221; pursuant to an agreement between the &#8220;recipient&#8221; and the &#8220;leasing organization&#8221; becomes a Covered Employee, all service performed
    by such person for the &#8220;recipient&#8221; shall be treated as employment with an Employer as an Employee, even if performed on less than a full-time basis, for less than a full year, or while an &#8220;excludable leased employee.&#8221;</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Matching Contribution</font>&#8221; means any Employer Contribution made to the Plan on account of a Participant&#8217;s 401(k) Contributions as provided in Article VI, including Matching
    Contributions A and Matching Contributions B.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Matching Contribution A</font>&#8221; means the portion of any Matching Contribution made to the Plan on behalf of a Participant that is allocated to his Matching Contributions A Sub-
    Account in accordance with Section 6.6 (and is not required to be initially invested in the Employer Stock Investment Fund).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Matching Contribution B</font>&#8221; means the portion of any Matching Contribution made to the Plan on behalf of a Participant that is allocated to his Matching Contributions B Sub-
    Account in accordance with Section 6.6 (and is required to be initially invested in the Employer Stock Investment Fund).</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Normal Retirement Date</font>&#8221; of an Employee means the later of the date he attains age 65 or the fifth anniversary of the date he was first eligible to participate in the
    Plan.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Participant</font>&#8221; means any current or former Employee who has satisfied the requirements of Article III to become an Eligible Employee and who has an Account in the Trust.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Plan</font>&#8221; means the Flushing Bank 401(k) Savings Plan, as from time to time in effect. A &#8220;<font style="font-weight: bold;">Plan Year</font>&#8221; means the 12-consecutive-month
    period ending each December 31.</div>
  <div style="margin: 0px 0px 0px 29pt;"> <br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Predecessor Employer</font>&#8221; means any company that is a predecessor organization to an Employer for the purposes of Code Section 414(a).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Profit Sharing Contribution</font>&#8221; means any Employer Contribution made to the Plan as provided in Article VI, other than Matching Contributions, Retirement Account
    Contributions, and Special Annual Company Contributions.</div>
  <div style="margin-right: 32.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Provider</font>&#8221; of this Pre-Approved Defined Contribution Plan is The Prudential Insurance Company of America whose address is 280 Trumbull Street, Hartford, CT 06103 and phone
    is (877) 778-2100. The Provider certifies that it will inform the Sponsor of any amendments to the Plan or of the Provider&#8217;s discontinuance or abandonment of the Plan. For more information about the Plan, a Sponsoring Employer may contact The
    Prudential Insurance Company of America at the address noted herein.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Related Employer</font>&#8221; means any corporation or business, other than an Employer, that would be aggregated with an Employer for a relevant purpose under Code Section 414,
    including members of an affiliated service group under Code Section 414(m), a controlled group of corporations under Code Section 414(b), or a group of trades of businesses under common control under Code Section 414(c) of which the adopting Employer
    is a member, and any other entity required to be aggregated with the Employer pursuant to Code Section 414(o).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s &#8220;<font style="font-weight: bold;">Required Beginning Date</font>&#8221; means the following:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z35340ee1abfd41329ffff0a9d6134bdd">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>for a Participant who is not a &#8220;5% owner&#8221;, April 1 of the calendar year following the calendar year in which occurs the later of the Participant&#8217;s (i) attainment of age 70 1/2 or (ii) retirement.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze3196dd59e534d5bba72fc024c34a2c7">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>for a Participant who is a &#8220;5% owner&#8221;, April 1 of the calendar year following the calendar year in which the Participant attains age 70 1/2.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant is a &#8220;5% owner&#8221; if he is a 5% owner, as defined in Code Section 416(i) and determined in accordance with Code Section 416, but without regard to whether the Plan is top-heavy, for the Plan Year ending
    with or within the calendar year in which the Participant attains age 70 1/2. The Required Beginning Date of a Participant who is a &#8220;5% owner&#8221; hereunder shall not be re-determined if the Participant ceases to be a 5% owner as defined in Code Section
    416(i) with respect to any subsequent Plan Year.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Retirement Account Contribution</font>&#8221; means any Employer Contribution made to the Plan as provided in Article VI, other than Matching Contributions, Profit Sharing
    Contributions, and Special Annual Company Contributions.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Rollover Contribution</font>&#8221; means any rollover contribution to the Plan made by a Participant as may be permitted under Article V.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Self-Employed Individual</font>&#8221; means any individual who has Earned Income for the taxable year from the trade or business with respect to which the Plan is established or who
    would have had Earned Income but for the fact that the trade or business had no net profits for the taxable year.</div>
  <div style="margin-right: 28.85pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Settlement Date</font>&#8221; of a Participant means the date on which a Participant&#8217;s interest under the Plan becomes distributable in accordance with Article XV.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Special Annual Company Contribution</font>&#8221; means any Employer Contribution made to the Plan as provided in Article VI, other than Matching Contributions, Profit Sharing
    Contributions, and Retirement Account Contributions, that is 100% vested when made and may be taken into account to satisfy the limitations on 401(k) Contributions and/or Matching Contributions made by or on behalf of Highly Compensated Employees under
    Article VII.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Sponsor</font>&#8221; means Flushing Bank, and any successor thereto.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s &#8220;<font style="font-weight: bold;">Spouse</font>&#8221; means the person to whom the Participant is legally married under the laws of the state or country in which the marriage originated, even if such
    marriage is not recognized under the laws of the state or country in which the Participant resides. Effective June 26, 2013, the term Spouse will apply with respect to a Participant who is married to an individual of the same sex. Additionally, a Plan
    will not be treated as failing to meet the requirements of Code Section 401(a) merely because it did not recognize the same-sex spouse of a Participant as a Spouse before June 26, 2013 or prior to September 16, 2013, if it only recognized the same-sex
    Spouse of a Participant domiciled in a state that recognized same-sex marriages. However, effective September 13, 2013, a marriage of same-sex individuals must be recognized if it was validly entered into in a state whose laws authorize the marriage
    even if the married couple is domiciled in a state that does not recognize the validity of same-sex marriages.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Sub-Account</font>&#8221; means any of the individual sub-accounts of a Participant&#8217;s Account that is maintained as provided in Article VIII.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Trust</font>&#8221; means the trust, custodial accounts, annuity contracts, or insurance contracts maintained by the Trustee under the Trust Agreement.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Trust Agreement</font>&#8221; means any separate agreement or agreements entered into between the Sponsor and the Trustee relating to the holding, investment, and reinvestment of the
    assets of the Plan, together with all amendments thereto and shall include any agreement establishing a custodial account, an annuity contract, or an insurance contract (other than a life, health or accident, property, casualty, or liability insurance
    contract) for the investment of assets if the custodial account or contract would, except for the fact that it is not a trust, constitute a qualified trust under Code Section 401. All provisions of the trust or custodial account document must be
    applicable to all adopting Employers of that trust or custodial account. The Trust Agreement or custodial account agreement must be in a document separate from this Plan, however if such separate trust or custodial agreement is found to be in direct
    conflict with this Plan, the terms of this Plan will govern.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Trustee</font>&#8221; means the trustee or any successor trustee which at the time shall be designated, qualified, and acting under the Trust Agreement and shall include any insurance
    company that issues an annuity or insurance contract pursuant to the Trust Agreement or any person holding assets in a custodial account pursuant to the Trust Agreement. The Sponsor may designate a person or persons other than the Trustee to perform
    any responsibility of the Trustee under the Plan, other than trustee responsibilities as defined in ERISA Section 405(c)(3), and the Trustee shall not be liable for the performance of such person in carrying out such responsibility except as otherwise
    provided by ERISA. The term Trustee shall include any delegate of the Trustee as may be provided in the Trust Agreement.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Trust Fund</font>&#8221; means any fund maintained under the Trust by the Trustee.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">Valuation Date</font>&#8221; means the date or dates designated by the Sponsor and communicated in writing to the Trustee for the purpose of valuing the General Fund and each Investment
    Fund and adjusting Accounts and Sub-Accounts hereunder, which dates need not be uniform with respect to the General Fund, each Investment Fund, Account, or Sub-Account; provided, however, that the General Fund and each Investment Fund shall be valued
    and each Account and Sub-Account shall be adjusted no less often than once annually. Unless the Plan Sponsor designates another date or dates and communicates the designated date(s) to the Trustee, the Valuation Date under the Plan means each day a
    stock exchange under the Plan is open for business.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">Vesting Service</font>&#8221; of an Employee means the period or periods of service credited to him under the provisions of Article II for purposes of determining his vested interest
    in his Employer Contributions Sub-Account, if Employer Contributions are provided for under either Article VI or Article XXII.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4142c825d1094b749114c35c488d2ee4">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250169"></a><font style="font-weight: bold;">1.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Interpretation</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Where required by the context, the noun, verb, adjective, and adverb forms of each defined term shall include any of its other forms. Wherever used herein, the masculine pronoun shall include the feminine or gender
    neutral where applicable (and vice versa), the singular shall include the plural, and the plural shall include the singular.</div>
  <div style="margin-right: 32.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">13</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250168"></a>ARTICLE II </div>
  <div style="text-align: center; font-weight: bold;">SERVICE</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z468335425377455982d2dcd4b280679a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250167"></a><font style="font-weight: bold;">2.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Special Definitions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of this Article, the following terms have the following meanings:</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">continuous service</font>&#8221; of an Employee means the continuous service credited to him in accordance with the provisions of this Article.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">employment commencement date</font>&#8221; of an Employee means the date he first completes an Hour of Service.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">maternity/paternity absence</font>&#8221; means an Employee&#8217;s absence from employment with an Employer or a Related Employer because of the Employee&#8217;s pregnancy, the birth of the
    Employee&#8217;s child, the placement of a child with the Employee in connection with the Employee&#8217;s adoption of the child, or the caring for the Employee&#8217;s child immediately following the child&#8217;s birth or adoption. An Employee&#8217;s absence from employment will
    not be considered a maternity/paternity absence unless the Employee furnishes the Administrator such timely information as may reasonably be required to establish that the absence was for one of the purposes enumerated in this paragraph and to
    establish the number of days of absence attributable to such purpose.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">reemployment commencement date</font>&#8221; of an Employee means the first date following a &#8220;service break&#8221; on which he again completes an Hour of Service.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">service break</font>&#8221; with respect to an Employee means any 12-consecutive-month period beginning on the Employee&#8217;s &#8220;severance date&#8221; and anniversaries of his &#8220;severance date&#8221; in
    which he does not complete an Hour of Service.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">severance date</font>&#8221; of an Employee means the earlier of (i) the date on which he retires, dies, or his employment with all Employers and Related Employers is otherwise
    terminated, or (ii) the first anniversary of the first date of a period during which he is absent from work with all Employers and Related Employers for any other reason; provided, however, that if he terminates employment with or is absent from work
    with all Employers and Related Employers on account of service with the armed forces of the United States, he shall not incur a &#8220;severance date&#8221; if he is eligible for reemployment rights under the Uniformed Services Employment and Reemployment Rights
    Act of 1994 and he returns to work with an Employer or a Related Employer within the period during which he retains such reemployment rights; and provided, further, that if an Employee is on a &#8220;maternity/paternity absence&#8221; beyond the first anniversary
    of the first day of such absence, he shall not incur a &#8220;severance date&#8221; if he returns to employment before the second anniversary of the first day of such absence but, if he does not return within such period, his &#8220;severance date&#8221; shall be the second
    anniversary of the first date of such &#8220;maternity/paternity absence&#8221;; and provided, further, that if an Employee is on a leave of absence granted by an Employer beyond the first anniversary of the first day of such absence, he shall not incur a
    &#8220;severance date&#8221; if he returns to work with the Employer or a Related Employer at the expiration of such leave, but if he does not return to work at such time, his &#8220;severance date&#8221; shall be the first anniversary of the first date of such absence.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">14</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1dd96a9cd8a04fb78f62b05262c39f68">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250166"></a><font style="font-weight: bold;">2.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Crediting of Hours of Service</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Employee shall be credited with an Hour of Service for each hour for which he is paid, or entitled to payment, for the performance of duties for an Employer, a Predecessor Employer, or any Related Employer.
    Except as otherwise specifically provided with respect to Predecessor Employers, Hours of Service shall not be credited for employment with a corporation or business prior to the date such corporation or business becomes a Related Employer.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfabe74b82e734ed4ac7b9b06ad03bc56">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250165"></a><font style="font-weight: bold;">2.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Crediting of &#8220;Continuous Service&#8221;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Employee shall be credited with &#8220;continuous service&#8221; for the aggregate of the periods of time between his &#8220;employment commencement date&#8221; or any &#8220;reemployment commencement date&#8221; and the &#8220;severance date&#8221; that next
    follows such &#8220;employment commencement date&#8221; or &#8220;reemployment commencement date&#8221;; provided, however, that an Employee who has a &#8220;reemployment commencement date&#8221; within the 12-consecutive- month period following the earlier of the first date of his
    absence or his &#8220;severance date&#8221; shall be credited with &#8220;continuous service&#8221; for the period between his &#8220;severance date&#8221; and &#8220;reemployment commencement date&#8221;; and provided, further, that the period between the first and second anniversary of the first
    date of a &#8220;maternity/paternity absence&#8221; shall not be credited as &#8220;continuous service&#8221;.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z78f2d94f4c1b4caaad4d7782fbc3cf53">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250164"></a><font style="font-weight: bold;">2.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Crediting Eligibility Service</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Employee shall be credited with Eligibility Service equal to his &#8220;continuous service&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An Employee&#8217;s Eligibility Service shall be computed in full years by dividing the number of days in his period(s) of &#8220;continuous service&#8221; by 365 and disregarding any fractional number.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In addition, the Eligibility Service of an Employee who was employed by Atlantic Liberty Savings, FA on June 29, 2006, and became an Employee of Flushing Savings Bank, FSB on June 30, 2006, shall include his service
    with Atlantic Liberty Savings, FA.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Eligibility Service of an Empire Employee shall include his Empire Service.</div>
  <div style="margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">15</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb93c3918c9d048729cffcdabd1118a99">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250163"></a><font style="font-weight: bold;">2.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Vesting Service</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Vesting Service shall be determined in accordance with the following provisions:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd60961268d2f438799c4b17422c48d52">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>An Employee shall be credited with Vesting Service equal to his &#8220;continuous service&#8221;. An Employee&#8217;s Vesting Service shall be computed in full years by dividing the number of days in his period(s) of &#8220;continuous service&#8221; by 365 and
            disregarding any fractional number.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4ad83c5ea5834c4c98d5bc764d8c39bf">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>In addition, the Vesting Service of an Employee who was employed by Atlantic Liberty Savings, FA on June 29, 2006, and became an Employee of Flushing Savings Bank, FSB on June 30, 2006, shall include his service with Atlantic Liberty
            Savings, FA.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf02ae8825a5b4971a62eeb9cf7eb56e8">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Notwithstanding the provisions of paragraphs (a) and (b), continuous service completed by an Employee prior to his attainment of age 18 shall not be included in determining an Employee&#8217;s years of Vesting Service.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z735e5c71a5144470a3ce4fa8ff95cb96">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>In addition, in the case of an Employee who was employed by New York Federal Savings Bank on the day prior to the acquisition of New York Federal Savings Bank by Flushing Savings Bank, FSB and became an Employee of Flushing Savings Bank, FSB
            on the date of such acquisition: (i) if he was fully vested in his accounts in the New York Federal Savings Bank 401(k) Profit Sharing Plan (&#8220;New York Federal Plan&#8221;) on the date of such acquisition, he shall be fully vested in his Matching
            Contributions Sub-Accounts; and (ii) if he was not fully vested in his accounts in the New York Federal Plan on the date of such acquisition, he shall be given credit for his service with New York Federal Savings Bank for purposes of
            determining the vested percentage of his Matching Contributions Sub-Accounts to the extent such service was recognized for vesting purposes under the New York Federal Plan immediately prior to the acquisition.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5b744d788c404f2f839b0ae78ae705c9">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Vesting Service of an Empire Employee shall include his Empire Service.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6aa4e26705d94e2aa4af84f820121552">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250162"></a><font style="font-weight: bold;">2.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Crediting of Service on Transfer or Amendment</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if as a result of a Plan amendment or a transfer from employment covered under another qualified plan maintained by an Employer or a Related Employer,
    the service crediting method applicable to an Employee changes between the elapsed time method described in Treasury Regulations Section 1.410(a)-7 and the Hours of Service method described in Department of Labor Regulations Sections 2530.200 through
    2530.203, an affected Employee shall be credited with Eligibility and/or Vesting Service, as applicable, hereunder as provided in Treasury Regulations Section 1.410(a)-7(f)(1).</div>
  <div style="margin-right: 49.1pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">16</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250161"></a>ARTICLE III </div>
  <div style="text-align: center; font-weight: bold;">ELIGIBILITY</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z996bda939c6741dab51ae6d6240898c7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250160"></a><font style="font-weight: bold;">3.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Eligibility</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Covered Employee who was eligible to make 401(k) Contributions and Rollover Contributions under the Plan immediately prior to January 1, 2021 shall continue to be an Eligible Employee eligible to make such
    contributions on January 1, 2021. Each other Covered Employee shall become an Eligible Employee eligible to make 401(k) Contributions and Rollover Contributions as of the Enrollment Date on which he becomes a Covered Employee or, if later, the
    Enrollment Date on which he attains age 21. Notwithstanding any other provision of the Plan, a Covered Employee shall not become an Eligible Employee eligible to receive allocations of Matching, Profit Sharing, Special Annual Company or Retirement
    Account Contributions until he satisfies the eligibility requirements of the following paragraphs.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Covered Employee shall become an Eligible Employee eligible to receive allocations of Matching and Special Annual Company Contributions as of the Enrollment Date next following the calendar month in which the
    Covered Employee has both attained age 21 and completed one year of Eligibility Service. Notwithstanding the preceding sentence, (i) an Empire Employee who, as of the Empire Merger Date, is a Covered Employee, has attained age 21, and has completed one
    year of Eligibility Service shall become an Eligible Employee eligible to receive allocations of Matching and Special Annual Company Contributions as of the Empire Merger Date; and (ii) any other Empire Employee shall become an Eligible Employee
    eligible to receive allocations of Matching and Special Annual Company Contributions as of the Enrollment Date next following the calendar month in which he is a Covered Employee, has attained age 21, and has completed one year of Eligibility Service.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Prior to January 1, 2020, a Covered Employee shall become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or before
    January 1, 2019, as of the Enrollment Date next following the calendar month in which the Covered Employee has both attained age 21 and completed one year of Eligibility Service.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">17</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Effective January 1, 2020, a Grandfathered Covered Employee who was eligible to receive allocations of Profit Sharing and Retirement Account Contributions under the Plan immediately prior to January 1, 2020, shall
    continue to be an Eligible Employee eligible to receive allocations of such contributions on January 1, 2020. Each other Grandfathered Covered Employee shall become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement
    Account Contributions as of the Enrollment Date next following the calendar month in which the Grandfathered Covered Employee has both attained age 21 and completed one year of Eligibility Service. Notwithstanding the preceding sentence, (i) an Empire
    Employee who, as of the Empire Merger Date, is a Grandfathered Covered Employee, has attained age 21, and has completed one year of Eligibility Service shall become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement
    Account Contributions as of the Empire Merger Date; and (ii) any other Empire Employee who is a Grandfathered Covered Employee shall become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as
    of the Enrollment Date next following the calendar month in which he is a Grandfathered Covered Employee, has attained age 21, and has completed one year of Eligibility Service. Notwithstanding any other provision of the Plan, in no event shall anyone
    other than a Grandfathered Covered Employee be an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions made for Plan Years beginning on or after January 1, 2020.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4f497c58da89430d86fdfa2723b56d49">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250159"></a><font style="font-weight: bold;">3.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Transfers of Employment</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If an Employee is transferred directly from employment with an Employer or with a Related Employer in a capacity other than as a Covered Employee to employment as a Covered Employee, he shall become an Eligible
    Employee (for all purposes of the Plan) as of the date he is so transferred if prior to such transfer date he has met the eligibility requirements for Employer Contributions under Section 3.1. Otherwise, the eligibility of a person who is so
    transferred to participate in the Plan shall be determined in accordance with Section 3.1.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the preceding paragraph, if, on or after January 1, 2020, an Employee is transferred directly from employment with an Employer or with a Related Employer in a capacity other than as a Covered
    Employee to employment as a Covered Employee, he shall become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and Retirement Account Contributions) as of the date he is so transferred if prior to such transfer date he has
    met the eligibility requirements for Matching and Special Annual Company Contributions under Section 3.1. Otherwise, the eligibility of a person who is so transferred to participate in the Plan shall be determined in accordance with Section 3.1.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In no event shall anyone become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as a result of such a transfer on or after January 1, 2020.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze611e059c9bf41f3be182411059ab675">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250158"></a><font style="font-weight: bold;">3.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Reemployment</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a person who terminated employment with an Employer and all Related Employers is reemployed as a Covered Employee and if he had met the eligibility requirements for Employer Contributions under Section 3.1 prior
    to his termination of employment, he shall again become an Eligible Employee (for all purposes of the Plan) on the date he is reemployed. If such person was not an Eligible Employee prior to his termination of employment, but had satisfied the
    requirements of Section 3.1 prior to such termination, he shall become an Eligible Employee as of the later of the date he is reemployed or the date he would have become an Eligible Employee in accordance with the provisions of Section 3.1 if he had
    continued employment as a Covered Employee. Otherwise, the eligibility of a person who terminated employment with an Employer and all Related Employers and who is reemployed by an Employer or a Related Employer to participate in the Plan shall be
    determined in accordance with Section 3.1 or 3.2.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">18</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the preceding paragraph, if a person who terminated employment with an Employer and all Related Employers is reemployed as a Covered Employee on or after January 1, 2020 and if he had met the
    eligibility requirements for Matching and Special Annual Company Contributions under Section 3.1 prior to his termination of employment, he shall again become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and Retirement
    Account Contributions) on the date he is reemployed. If such person was not an Eligible Employee prior to his termination of employment, but had satisfied the requirements of Section 3.1 for Matching and Special Annual Company Contributions prior to
    such termination, he shall become an Eligible Employee (for all purposes of the Plan other than Profit Sharing and Retirement Account Contributions) as of the later of the date he is reemployed or the date he would have become an Eligible Employee for
    purposes of Matching and Special Annual Company Contributions in accordance with the provisions of Section 3.1 if he had continued employment as a Covered Employee.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In no event shall anyone become an Eligible Employee eligible to receive allocations of Profit Sharing and Retirement Account Contributions as a result of reemployment on or after January 1, 2020.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z37ce2fbf6b424a1db7ce0931ad0d1595">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250157"></a><font style="font-weight: bold;">3.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Notification Concerning New Eligible Employees</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Employer shall notify the Administrator as soon as practicable of Employees becoming Eligible Employees as of any date.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6c528d321bd5406b8453001dc4ec596a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250156"></a><font style="font-weight: bold;">3.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Effect and Duration</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Upon becoming an Eligible Employee, a Covered Employee shall be entitled to participate in the Plan with respect to those aspects of the Plan for which he is an Eligible Employee and shall be bound by all the terms
    and conditions of the Plan and the Trust Agreement. A person shall continue as an Eligible Employee eligible to make 401(k) Contributions and Rollover Contributions, and, if applicable, to participate in the allocation of Employer Contributions, only
    so long as he continues employment as a Covered Employee.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">19</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250155"></a>ARTICLE IV 4</div>
  <div style="text-align: center; font-weight: bold;">01(k) CONTRIBUTIONS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z77da57fcd821446fa1a692782278bcf9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250154"></a><font style="font-weight: bold;">4.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Effective as of the date he becomes an Eligible Employee, each Eligible Employee may elect, in accordance with rules prescribed by the Administrator, to have 401(k) Contributions made to the Plan on his behalf by
    his Employer as hereinafter provided. An Eligible Employee&#8217;s election shall include his authorization for his Employer to reduce his Compensation and to make 401(k) Contributions on his behalf. An Eligible Employee who does not make a timely election
    to have 401(k) Contributions made to the Plan as of the first Enrollment Date he becomes eligible to participate shall be deemed to have elected a 0% reduction and may only change such deemed election pursuant to the provisions of this Article for
    amending reduction authorizations.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">401(k) Contributions on behalf of an Eligible Employee shall commence as soon as administratively practicable after his election is effective.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z714ea6c122654263b9a5f674939f4a3c">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250153"></a><font style="font-weight: bold;">4.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Amount of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The amount of 401(k) Contributions to be made each payroll period on behalf of an Eligible Employee by his Employer shall be a percentage, expressed in the increments prescribed by the Administrator, of the Eligible
    Employee&#8217;s Compensation of not less than 1% nor more than 25%. In the event an Eligible Employee elects to have his Employer make 401(k) Contributions on his behalf, his Compensation shall be reduced for each payroll period by the percentage he elects
    to have contributed on his behalf to the Plan in accordance with the terms of his currently effective reduction authorization.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6e9a4098b2f74136921c23fe378d8b64">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250152"></a><font style="font-weight: bold;">4.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Catch-Up 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee who is or will be age 50 or older by the end of the taxable year may make Catch-Up 401(k) Contributions to the Plan in excess of the limits otherwise applicable to 401(k) Contributions under the
    Plan, but not in excess of the dollar limit in effect under Code Section 414(v)(2)(B)(i) for the taxable year ($5,500 for 2013).</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Otherwise applicable limits that do not apply to Catch-Up 401(k) Contributions include, but are not limited to, the maximum dollar amount or percentage of Compensation limit specified in Section 4.2 or designated by
    the Administrator, the Code Section 402(g) limit described in Article VII, the limit on 401(k) Contributions made on behalf of Highly Compensated Employees, and the Code Section 415 limit on annual additions described in Article VII.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant elects to make Catch-Up 401(k) Contributions, his total 401(k) Contributions, including Catch-Up 401(k) Contributions, for any payroll period shall not exceed 75% of his Compensation for such
    payroll period, or such other higher limit as may be prescribed by the Administrator.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">20</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the maximum dollar amount or percentage of Compensation limit specified in Section 4.2 or by the Administrator changes during the Plan Year, the applicable limit under Section 4.2 for purposes of determining
    Catch-Up 401(k) Contributions for an Eligible Employee for such Plan Year shall be the sum of the dollar amounts of the limits applicable to the Eligible Employee for each portion of the Plan Year. </div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2fec337baffb441e9410ae1ab2037c44">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250151"></a><font style="font-weight: bold;">4.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Contributions Limited to Effectively Available Compensation</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan or of an Eligible Employee&#8217;s salary reduction authorization, in no event will 401(k) Contributions, including Catch-Up 401(k) Contributions, be made for a payroll
    period in excess of an Eligible Employee&#8217;s &#8220;effectively available&#8221; Compensation. Effectively available Compensation means the Compensation remaining after all other required amounts have been withheld, e.g., tax withholding, withholding for
    contributions to a cafeteria plan under Code Section 125, etc.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0075ab2e0ced45109e715eccb057c560">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250150"></a><font style="font-weight: bold;">4.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Amendments to Reduction Authorization</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee may elect, in the manner prescribed by the Administrator, to change the amount of his future Compensation that his Employer contributes on his behalf as 401(k) Contributions. An Eligible
    Employee may amend his reduction authorization at such time or times during the Plan Year as the Administrator may prescribe by giving such number of days advance notice of his election as the Administrator may require. An Eligible Employee who amends
    his reduction authorization shall be limited to selecting an amount of his Compensation that is otherwise permitted under this Article IV. 401(k) Contributions shall be made on behalf of such Eligible Employee by his Employer pursuant to his properly
    amended reduction authorization commencing as soon as administratively practicable after such amendment is effective, until otherwise altered or terminated in accordance with the Plan.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfc55b4d2356f4bccb67a24123d8cc244">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250149"></a><font style="font-weight: bold;">4.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Suspension of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee on whose behalf 401(k) Contributions are being made may elect, in the manner prescribed by the Administrator, to have such contributions suspended at any time by giving such number of days
    advance notice of his election as the Administrator may require. Any such voluntary suspension shall take effect as soon as administratively practicable after the expiration of the required notice period and shall remain in effect until 401(k)
    Contributions are resumed as hereinafter set forth.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">21</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaae905aa4a704cb08ba57c26730656bf">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250148"></a><font style="font-weight: bold;">4.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Resumption of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee who has voluntarily suspended his 401(k) Contributions may elect, in the manner prescribed by the Administrator, to have such contributions resumed. An Eligible Employee may make such election
    at such time or times during the Plan Year as the Administrator may prescribe, by giving such number of days advance notice of his election as the Administrator may require.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zec164fe673b347f886074aedeecc1620">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250147"></a><font style="font-weight: bold;">4.8</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Delivery of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">As soon after the date an amount would otherwise be paid to an Eligible Employee as it can reasonably be separated from Employer assets, each Employer shall cause to be delivered to the Trustee all 401(k)
    Contributions attributable to such amounts.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">401(k) Contributions shall be made in cash unless the Participant has elected that they be invested in the Employer Stock Investment Fund, in which case they shall be made in cash or shares of Employer Stock, in the
    discretion of the Sponsor. For purposes of determining the amount of Employer Stock to be delivered as contributions, such Employer Stock shall be valued at the Closing Price of the Employer Stock on the Valuation Date chosen by the Sponsor for
    purposes of such contribution, which Valuation Date shall not be more than ten business days prior to the making of such contribution. The shares of Employer Stock delivered to the Trustee may be authorized but unissued shares, treasury shares, or
    shares held in an employee benefit trust established by an Employer or a Related Employer.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In no event shall an Employer deliver 401(k) Contributions to the Trustee on behalf of an Eligible Employee prior to the date the Eligible Employee performs the services with respect to which the 401(k) Contribution
    is being made, unless such pre-funding is to accommodate a bona fide administrative concern and is not for the principal purpose of accelerating deductions.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z03ffc26d49fd45339be9404e23f9724e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250146"></a><font style="font-weight: bold;">4.9</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Vesting of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s vested interest in his 401(k) Contributions Sub-Account shall be at all times 100%.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">22</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE V</div>
  <div style="text-align: center; font-weight: bold;">AFTER-TAX AND ROLLOVER CONTRIBUTIONS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0c5b382e3f6a4d8883bc17ecd858f041">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250145"></a><font style="font-weight: bold;">5.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">No After-Tax Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin-left: 29pt;">There shall be no After-Tax Contributions made to the Plan.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0beb04844c5045d7ac99017e37c72da7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250144"></a><font style="font-weight: bold;">5.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Rollover Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin-right: 49.75pt; margin-left: 29pt;">Subject to any restrictions contained in this Article, an Eligible Employee who is eligible to receive or receives an &#8220;eligible rollover distribution,&#8221; within the meaning of Code Section 402(c)(4),
    or a distribution from an individual retirement account or annuity that is eligible for rollover to the Plan in accordance with the provisions of Code Section 408(d)(3) may elect to make a Rollover Contribution to the Plan. The Administrator shall
    require an Eligible Employee to provide it with such information as it deems necessary or desirable to show that he is entitled to roll over such distribution to a qualified retirement plan. Certification by the Eligible Employee making a Rollover
    Contribution shall be conclusive as to the eligibility for roll over into the Plan of the amount presented as a Rollover Contribution on the Eligible Employee&#8217;s behalf. An Eligible Employee shall make a Rollover Contribution to the Plan by delivering
    or causing to be delivered to the Trustee the cash that constitutes the Rollover Contribution amount. The Administrator may use the procedures of Revenue Ruling 2014-9 to determine whether a potential Rollover Contribution is valid for this Plan and if
    it is later determined that the amount rolled over is invalid, to distribute the amount rolled over plus any attributable earnings to the Employee within a reasonable time after such determination.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc26f74ab82ce46fda0ae10fdc9c1e1bb">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250143"></a><font style="font-weight: bold;">5.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Direct Rollovers to Plan</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;">The Plan will accept &#8220;eligible rollover distributions&#8221; that are rolled over directly to the Plan (&#8220;direct rollovers&#8221;) from the following:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zee028f3b7865455fb5f7115f5d475851">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>a qualified plan described in Code Section 401(a) or 403(a), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z02c7493e51c94a5b84c412f3cb408d78">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an annuity contract described in Code Section 403(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9f96fdf42eb541129552d7a261952c44">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, excluding amounts attributable to designated Roth
            contributions, as described in Code Section 402A.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">23</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z909b9a60f2ef4e33a3d63da78af121e5">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an individual retirement account or annuity described in Code Section 408(a) or 408(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z91b483b11fd44caaa11cae5ee5de3e26">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250142"></a><font style="font-weight: bold;">5.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Participant Rollovers to Plan</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Plan will accept &#8220;eligible rollover distributions&#8221; that are first distributed to an Eligible Employee (&#8220;participant rollovers&#8221;) from the following:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0b4cb01ebc2b4b13831f8a12da10c265">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>a qualified plan described in Code Section 401(a) or 403(a), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd436a686259d4fbfa9a92d41fe3076cf">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an annuity contract described in Code Section 403(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb2d3357e5055497389ca8de1afe84624">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, excluding amounts attributable to designated Roth
            contributions, as described in Code Section 402A.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z67819b7986fc4e7bbacf1c6eeaa03322">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>an individual retirement account or annuity described in Code Section 408(a) or 408(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee who received a distribution that he is rolling over to the Plan, must deliver the cash constituting his Rollover Contribution to the Trustee within 60 days of receipt, unless otherwise permitted
    by applicable guidance, of the eligible rollover distribution. Such delivery must be made in the manner prescribed by the Administrator.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za9533276a3ee4093b25be1fff74ef36a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250141"></a><font style="font-weight: bold;">5.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Restrictions on Rollover Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Rollover Contributions to the Plan are subject to the following:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5a38ec5a8d094fe983de9eed42dc9203">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Except as provided below, the Plan shall not accept a Rollover Contribution of any promissory note attributable to a plan loan; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zacd4ef986a9b40268458a0af41bb2d29">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>a participant rollover may not include designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing (or the requirement that a Rollover Contribution be made in cash), an Eligible Employee may elect to make a Rollover Contribution of a promissory note attributable to a plan loan from
    the Empire National Bank 401(k) Plan on such terms and conditions as the Administrator may require, provided such loan was not funded from a designated Roth contribution or after-tax employee contribution source and such rollover is a direct rollover
    which would otherwise satisfy the Plan&#8217;s requirements for a Rollover Contribution. Any such promissory note shall continue to be administered in accordance with its terms.</div>
  <div style="margin-right: 48.5pt; margin-left: 29pt;"> <br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">24</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z31364967e0034571961c072651c9bdbe">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250140"></a><font style="font-weight: bold;">5.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Vesting of Rollover Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s vested interest in his Rollover Contributions Sub-Account shall be at all times 100%.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">25</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250139"></a>ARTICLE VI</div>
  <div style="text-align: center; font-weight: bold;"> EMPLOYER CONTRIBUTIONS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zec9b949c9f874c99ae1462f76693d53d">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250138"></a><font style="font-weight: bold;">6.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Contribution Period</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Contribution Periods for Employer Contributions shall be as follows:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9355f5a66455405590b15a139eb2bcca">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Contribution Period for Matching Contributions under the Plan is each payroll period.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze3a3d47a6a364d76984c44655c249c37">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Contribution Period for Profit Sharing Contributions under the Plan is each Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2f749a50556c451eb1f322a91de2d430">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Contribution Period for Retirement Account Contributions under the Plan is each Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb08e6de19f5b4ffb89abb4dfa805007f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Contribution Period for Special Annual Company Contributions is each Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant is treated as benefiting under the Plan for any Plan Year during which the Participant received or is deemed to receive an allocation in accordance with Regulations Section 1.410(b)-3(a).</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6973ec820e11491c9362606c50e77845">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250137"></a><font style="font-weight: bold;">6.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Amount and Allocation of Profit Sharing Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Employer shall make a Profit Sharing Contribution to the Plan for the Contribution Period in such amount (if any) as may be determined by the Sponsor in its discretion.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Any Profit Sharing Contribution made for a Contribution Period shall be allocated among the Eligible Employees during the Contribution Period who have met the allocation requirements for Profit Sharing Contributions
    described in this Article. The allocable share of each such Eligible Employee in the Profit Sharing Contribution shall be in the ratio which his Compensation from the Employers for the Contribution Period bears to the aggregate of such Compensation for
    all such Eligible Employees.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, an Eligible Employee&#8217;s Compensation for any portion of a Contribution Period during which he was not an Eligible Employee with respect to Profit
    Sharing Contributions shall be excluded in determining the allocation of any Profit Sharing Contribution made for the Contribution Period.</div>
  <div style="margin-right: 49.1pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">26</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z47aaaf2358f24aac800612a4ad1b5d09">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">6.3</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Amount and Allocation of Retirement Account Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Employer shall make a Retirement Account Contribution to the Plan for the Contribution Period on behalf of each of its Eligible Employees during the Contribution Period who has met the allocation requirements
    for Retirement Account Contributions described in this Article. The amount of such Retirement Account Contribution shall be equal to 4% of the Compensation paid to such Eligible Employee for the Contribution Period.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, an Eligible Employee&#8217;s Compensation for any portion of a Contribution Period during which he was not an Eligible Employee with respect to Retirement
    Account Contributions shall be excluded in determining the Eligible Employee&#8217;s Retirement Account Contribution for the Contribution Period.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1f8d220257ba428da890cf602cedd93c">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250136"></a><font style="font-weight: bold;">6.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Special Annual Company Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Employer shall make a Special Annual Company Contribution to the Plan for the Contribution Period in such amount (if any) as may be determined by the Sponsor in its discretion.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Special Annual Company Contributions cannot be taken into account for the ADP Test under Section 7.4 or the ACP Test under Section 7.7 for any Plan Year for which the prior year testing method is used in applying
    such test unless such contributions are made by the end of the 12-month period following the applicable &#8220;testing year&#8221; (as defined in Section 7.1) (i.e., by the end of the Plan Year being tested).</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1352ffcb522b42108f2226e05d4c6bac">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250135"></a><font style="font-weight: bold;">6.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Allocation of Special Annual Company Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Any Special Annual Company Contribution made for a Contribution Period shall be allocated among the Eligible Employees during the Contribution Period who have met the allocation requirements for Special Annual
    Company Contributions described in this Article, other than any such Eligible Employee who is a Highly Compensated Employee. The allocable share of each such Eligible Employee in the Special Annual Company Contribution shall be in the ratio which his
    Compensation from the Employer for the Plan Year bears to the aggregate of such Compensation for all such Eligible Employees.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6e28258a81584b55b536b484bf7846b1">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250134"></a><font style="font-weight: bold;">6.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Amount and Allocation of Matching Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Employer shall make a Matching Contribution to the Plan for each Contribution Period on behalf of each of its Eligible Employees during the Contribution Period who has met the allocation requirements for
    Matching Contributions described in this Article.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The amount of such Matching Contribution shall be equal to 50% of the 401(k) Contributions made for the Contribution Period on behalf of such Eligible Employee.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">27</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">50% of an Eligible Employee&#8217;s Matching Contribution for a Contribution Period shall be allocated to his Matching Contributions A Sub-Account and the remaining 50% shall be allocated to his Matching Contributions B
    Sub-Account.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z29daa1862d5e4d31bedd2e2ab21969fa">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250133"></a><font style="font-weight: bold;">6.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Limits on Matching Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of this Article to the contrary, Matching Contributions shall not be made with respect to:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0553fe6a6d5348c3a9130c1a8f264253">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>401(k) Contributions that exceed 6% of the Eligible Employee&#8217;s Compensation for a Contribution Period; or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zee340804d30840d085f5f6c832350fe9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Catch-Up 401(k) Contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6173d6e4d45e41de8360b510f06a1d2f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">6.8</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Verification of Amount of Employer Contributions by the Sponsor</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Sponsor shall verify the amount of Employer Contributions to be made by each Employer in accordance with the provisions of the Plan. Notwithstanding any other provision of the Plan to the contrary, the Sponsor
    shall determine the portion of the Employer Contribution to be made by each Employer with respect to a Covered Employee who transfers from employment with one Employer as a Covered Employee to employment with another Employer as a Covered Employee.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z70c208d80db84e01a0b6a92755d78651">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250132"></a><font style="font-weight: bold;">6.9</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Payment of Employer Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Employer Contributions made for a Contribution Period shall be paid to the Trustee within the period of time required under the Code in order for the contribution to be deductible by the Employer in determining its
    Federal income taxes for the Plan Year.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Matching Contributions, Retirement Account Contributions, Profit Sharing Contributions, and Special Annual Company Contributions shall be made in cash or shares of Employer Stock, in the discretion of the Sponsor.
    For purposes of determining the amount of Employer Stock to be delivered as contributions, such Employer Stock shall be valued at the Closing Price of the Employer Stock on the Valuation Date chosen by the Sponsor for purposes of such contribution,
    which Valuation Date shall not be more than ten business days prior to the making of such contribution. The shares of Employer Stock delivered to the Trustee may be authorized but unissued shares, treasury shares, or shares held in an employee benefit
    trust established by an Employer or a Related Employer.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In no event shall an Employer deliver Matching Contributions to the Trustee on behalf of an Eligible Employee prior to the date the Eligible Employee performs the services with respect to which the Matching
    Contribution is being made, unless such pre-funding is to accommodate a bona fide administrative concern and is not for the principal purpose of accelerating deductions.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">28</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6e7384a0d0134de5935c1f3b4908baba">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250131"></a><font style="font-weight: bold;">6.10</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Allocation Requirements for Employer Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An Eligible Employee shall be eligible to receive an allocation of Employer Contributions under this Article only if he satisfies any requirements specified in the applicable contribution Section and also meets the
    requirements of this Section.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb8779f7f739341b6a3d15e18d8c8380a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A person who was an Eligible Employee with respect to Profit Sharing Contributions at any time during a Contribution Period shall be eligible to receive an allocation of any Profit Sharing Contributions for such Contribution Period only if
            he is an Employee of an Employer or a Related Employer as of the last day of the Contribution Period.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zef57ed23624e4d178106d6c73ac5d75f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A person who was an Eligible Employee with respect to Retirement Account Contributions at any time during a Contribution Period shall be eligible to receive an allocation of Retirement Account Contributions for such Contribution Period only
            if he is an Employee of an Employer or a Related Employer as of the last day of the Contribution Period.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z59e418e79c06464a9418d358d70f9e0e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.9pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top; text-align: justify;">
          <div>A person who was an Eligible Employee with respect to Matching Contributions at any time during a Contribution Period shall be eligible to receive an allocation of any Matching Contributions for such Contribution Period.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0ba6d0b6f5f647c2b5850c826f00e305">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A person who was an Eligible Employee with respect to Special Annual Company Contributions at any time during a Contribution Period shall be eligible to receive an allocation of Special Annual Company Contributions for such Contribution
            Period only if he is employed as a Covered Employee as of the last day of the Contribution Period.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze752137a18cd4e7d9303567296c02e45">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250130"></a><font style="font-weight: bold;">6.11</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Exceptions to Allocation Requirements for Employer Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the last day allocation requirement for Profit Sharing Contributions and Retirement Account Contributions described in Sections 6.10(a) and (b) above
    shall not apply to an Eligible Employee who terminates employment with the Employers and all Related Employers during the Contribution Period on or after his Normal or Early Retirement Date or because of death, having become Disabled, or a &#8220;qualifying
    Change of Control termination&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of the preceding paragraph, an Eligible Employee terminates as the result of a &#8220;qualifying Change of Control termination&#8221; if (i) he is an Employee immediately before the occurrence of a Change of
    Control, and (ii) his employment is terminated by an Employer or a Related Employer without &#8220;cause&#8221; after such Change of Control occurs and on or before the last day of the Contribution Period in which such Change in Control occurs. For this purpose,
    &#8220;cause&#8221; means intentional engagement in dishonest conduct, insubordination, willful misconduct, breach of fiduciary duty involving personal profit, intentional failure to perform duties, or commission of an act which would constitute a felony.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">29</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z81e6b27c55734e4eba87c645195b7d06">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250129"></a><font style="font-weight: bold;">6.12</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Vesting of Employer Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s vested interest in his Special Annual Company Contributions Sub- Account shall be at all times 100%.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s vested interest in his Profit Sharing, Matching, and Retirement Account Contributions Sub-Accounts shall be determined in accordance with the following schedule:</div>
  <div>&#160;</div>
  <div style="margin-left: 27pt;">
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;" id="z3b02c56fa01d4c9cad74c884f504aa1c">

        <tr>
          <td style="width: 50%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt; font-weight: bold;">Years of Vesting Service</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-width: 2px; border-style: solid; border-color: rgb(0, 0, 0);">
            <div style="text-align: center; margin-left: 0.7pt; font-weight: bold;">Vested Interest</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-right: 0.1pt; margin-left: 0.7pt;">Less than 1</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-right: 0.15pt; margin-left: 0.7pt;">0%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-left: 0.7pt;">1, but less than 2</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt;">20%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-left: 0.7pt;">2, but less than 3</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt;">40%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-left: 0.7pt;">3, but less than 4</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt;">60%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-left: 0.7pt;">4, but less than 5</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt;">80%</div>
          </td>
        </tr>
        <tr>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-left: 0.7pt;">5 or more</div>
          </td>
          <td style="width: 50%; vertical-align: top; border-left: 2px solid rgb(0, 0, 0); border-right: 2px solid rgb(0, 0, 0); border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; margin-right: 0.05pt; margin-left: 0.7pt;">100%</div>
          </td>
        </tr>

    </table>
  </div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the vested interest of a Participant whose employment with the Employers and all Related Employers terminated before March 30, 2007, shall be determined in accordance with the terms of
    the Plan in effect when he terminated employment.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3919b9a1a0b249cf8bce73afae4dc43c">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250128"></a><font style="font-weight: bold;">6.13</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">100% Vesting Events</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant is employed by an Employer or a Related Employer on his Normal Retirement Date, his Early Retirement Date, the occurrence of a Change
    of Control, the date he dies, or the date he becomes Disabled, his vested interest in his full Employer Contributions Sub- Account shall be 100%, without regard to the number of his years of Vesting Service.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5ab13904d12646dba16581273b0ae38a">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250127"></a><font style="font-weight: bold;">6.14</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Changes to Vesting Schedule</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If there is a direct or indirect amendment to the vesting schedule applicable to a Participant&#8217;s Employer Contributions Sub-Account that affects the computation of a Participant&#8217;s vested interest in his Employer
    Contributions Sub-Account, the following special rules shall apply:</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">30</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za3b6bc616e9b4f36ba4ccdaaf57dabc1">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>
            <div>In no event shall a Participant&#8217;s vested interest in his Employer Contributions Sub-Account accrued as of the later of (i) the effective date of such amendment or (ii) the date such amendment is adopted, be less than his vested interest in
              his Employer Contributions Sub-Account immediately prior to such date.</div>
          </div>
        </td>
      </tr>

  </table>
  <div style="margin-right: 72.2pt; margin-left: 65pt;"><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze403d7959aac4f748e02278f24760cb7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>
            <div>In no event shall a Participant&#8217;s vested interest in his Employer Contributions Sub-Account accrued as of the later of (i) the effective date of such amendment or (ii) the date such amendment is adopted, be determined on and after the
              effective date of such amendment under a vesting schedule that is more restrictive than the vesting schedule applicable to such Employer Contributions Sub-Account immediately prior to the effective date of such amendment.</div>
          </div>
        </td>
      </tr>

  </table>
  <div style="margin-right: 53.6pt; margin-left: 65pt;"><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd1b833a7c98b4e14903f64bc8f921976">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Any Participant with 3 or more years of Vesting Service shall have a right to have his vested interest in his Employer Contributions Sub-Account (including amounts accrued following the effective date of such amendment)continue to be
            determined under the vesting provisions in effect prior to the amendment rather than under the new vesting provisions, unless the vested interest of the Participant in his Employer Contributions Sub-Account under the Plan as amended is not at
            any time less than such vested interest determined without regard to the amendment. A Participant shall exercise his right under this Section by giving written notice of his exercise thereof to the Administrator within 60 days after the latest
            of (i) the date he receives notice of the amendment from the Administrator, (ii) the effective date of the amendment, or (iii) the date the amendment is adopted.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z52ee99fa1b16471798cfd238914041c7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250126"></a><font style="font-weight: bold;">6.15</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Forfeitures to Reduce Employer Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the amount of the Employer Contribution required under this Article for a Plan Year shall be reduced by the amount of any forfeitures occurring during
    the Plan Year or any prior Plan Year that are not used to pay Plan expenses and that are applied against Employer Contributions as provided in Article VII or XIV, as applicable.</div>
  <div style="margin-right: 48.5pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">31</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250125"></a>ARTICLE VII </div>
  <div style="text-align: center; font-weight: bold;">LIMITATIONS ON CONTRIBUTIONS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z355ad5b5b3ba4e1e84239fbc4ed82723">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250124"></a><font style="font-weight: bold;">7.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Special Definitions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of this Article, the following terms have the following meanings:</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">annual addition</font>&#8221; with respect to a Participant for a &#8220;limitation year&#8221; means the sum of the following amounts credited to the Participant&#8217;s account(s) for the &#8220;limitation
    year&#8221;:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0eb5390e29f84985a4469d0034848de7">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>all employer contributions credited to the Participant&#8217;s account for the &#8220;limitation year&#8221; under any qualified defined contribution plan maintained by an Employer or a Related Employer, including &#8220;elective contributions&#8221; (other than
            &#8220;elective contributions&#8221; to an eligible deferred compensation plan under Code Section 457) and amounts attributable to forfeitures applied to reduce the employer&#8217;s contribution obligation, but excluding &#8220;catch-up contributions&#8221;.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z08d4460ab8af4e3396851e845e2fe903">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>all &#8220;employee contributions&#8221; credited to the Participant&#8217;s account for the &#8220;limitation year&#8221; under any qualified defined contribution plan maintained by an Employer or a Related Employer or any qualified defined benefit plan maintained by an
            Employer or a Related Employer if either separate accounts are maintained under the defined benefit plan with respect to such employee contributions or such contributions are mandatory employee contributions within the meaning of Code Section
            411(c)(2)(C) (without regard to whether the plan is subject to the provisions of Code Section 411).</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3bd2c43c2e0442f08cf82496a8414997">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 35.9pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top; text-align: justify;">
          <div>all forfeitures credited to the Participant&#8217;s account for the &#8220;limitation year&#8221; under any qualified defined contribution plan maintained by the Employer or a Related Employer.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5fc3795176c84365b30f946e0938e7de">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>all amounts credited for the &#8220;limitation year&#8221; to an individual medical benefit account, as described in Code Section 415(l)(2), established for the Participant as part of a pension or annuity plan maintained by the Employer or a Related
            Employer.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze25181f3b84941f98ac95fca1d87311e">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>if the Participant is a key employee, as defined in Code Section 419A(d)(3), all amounts derived from contributions paid or accrued after December 31, 1985, in taxable years ending after that date, that are attributable to post-retirement
            medical benefits credited for the &#8220;limitation year&#8221; to the Participant&#8217;s separate account under a welfare benefit fund, as defined in Code Section 419(e), maintained by the Employer or a Related Employer.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">32</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3efdbc4046894538a331316871c22c67">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(f)</td>
        <td style="width: auto; vertical-align: top;">
          <div>all amounts credited to the Participant for the &#8220;limitation year&#8221; under a simplified employee pension.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, any restorative payment made to a plan by an Employer or a Related Employer to make up for losses to the plan resulting from the action or non- action of a fiduciary for which there is
    a reasonable risk of liability for a breach of fiduciary duty under ERISA or other applicable federal or state law shall not be treated as an annual addition provided that similarly situated participants are treated similarly with respect to the
    restorative payment. All qualified plans maintained by the Employer must use the same &#8220;limitation year&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Except as otherwise specifically provided below, an amount will be treated as credited to a Participant&#8217;s account for a &#8220;limitation year&#8221; if such amount is both (1) allocated to the Participant&#8217;s account as of a
    date within such &#8220;limitation year&#8221; (provided that if allocation of an amount is contingent upon the satisfaction of a future condition, such amount shall not be treated as allocated for purposes of determining &#8220;annual additions&#8221; for a &#8220;limitation year&#8221;
    until the date all such conditions are satisfied) and (2) actually contributed to the account within the applicable period described herein. If contributions are made after the end of the applicable period, they shall be treated as credited to the
    Participant&#8217;s account for the &#8220;limitation year&#8221; in which they are made. The applicable period for making &#8220;employee contributions&#8221; is within 30 days of the close of the &#8220;limitation year.&#8221; The applicable period for making employer contributions is: (i)
    for contributions by a taxable entity, within 30 days of the close of the period described in Code Section 404(a)(6), as applicable to the entity&#8217;s taxable year with or within which the &#8220;limitation year&#8221; ends; or (ii) for contributions by a non-taxable
    entity (including a governmental employer) within 15 days of the last day of the 10th calendar month following the end of the calendar year or fiscal year (as applicable, based on how the entity maintains its books) with or within which the &#8220;limitation
    year&#8221; ends.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Forfeitures re-allocated to a Participant&#8217;s account are treated as credited to the Participant&#8217;s account for the &#8220;limitation year&#8221; in which they are allocated to such account. Corrective contributions and
    contributions required by reason of qualified military service (as defined in Code Section 414(u)) are treated as &#8220;annual additions&#8221; for the &#8220;limitation year&#8221; to which they relate, rather than the &#8220;limitation year&#8221; in which they are made.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">catch-up contribution</font>&#8221; means any elective deferral, as defined in Code Section 414(v)(2)(C), that is treated as a catch-up contribution in accordance with the provisions of
    Code Section 414(v).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">contribution percentage</font>&#8221; with respect to an &#8220;eligible participant&#8221; for a particular Plan Year means the ratio of the sum of the included contributions, described below,
    to the &#8220;eligible participant&#8217;s&#8221; &#8220;test compensation&#8221; for such Plan Year. Contributions made on behalf of an &#8220;eligible participant&#8221; for the Plan Year that are used in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; include the following:</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">33</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaa363320a701447d883a8c2bf20f77cf">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Matching Contributions, except as specifically provided below;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z49fe05b947b54646a3eb66ad16ce8ae5">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>as directed by the Administrator, 401(k) Contributions, excluding Catch-Up 401(k) Contributions, to the extent such 401(k) Contributions are not included in determining the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; for such Plan Year
            except to the extent necessary to demonstrate satisfaction of the requirement of Treasury Regulations Section 1.401(m)-2(a)(6)(ii); and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf36d02619cdd46b58ad8b4c774e3be0e">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>as directed by the Administrator, Special Annual Company Contributions, to the extent such Special Annual Company Contributions are not included in determining the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; for such Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin-right: 31.35pt; margin-left: 29pt;">Notwithstanding the foregoing, the following Matching Contributions are not included in computing an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; for a Plan Year:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z72904c4cb7464a4bb92e3a22cc1193e5">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Matching Contributions that are forfeited because they relate to 401(k) Contributions that are distributed as &#8220;excess contributions&#8221;, &#8220;excess deferrals&#8221;, or because they exceed the Code Section 402(g) limit;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z37281a71049345ce9239f9ae00ac8519">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>contributions to the Plan made pursuant to Code Section 414(u) that are treated as Matching Contributions; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8a4d8d1d0dc548368e4a0c3bf84a07c4">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Matching Contributions that are forfeited because they relate to 401(k) Contributions that are re-characterized as Catch-Up 401(k) Contributions.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Matching Contributions in excess of 100% of the 401(k) Contributions of an &#8220;eligible participant&#8221; who is not a Highly Compensated Employee for a Plan Year shall not be used in computing such &#8220;eligible participant&#8217;s&#8221;
    &#8220;contribution percentage&#8221; for the Plan Year to the extent that such Matching Contributions exceed the greater of (i) 5% of the &#8220;eligible participant&#8217;s&#8221; &#8220;test compensation&#8221; for the Plan Year or (ii) the product of 2 times the Plan&#8217;s &#8220;representative
    match rate&#8221; multiplied by the &#8220;eligible participant&#8217;s&#8221; 401(k) Contributions for the Plan Year. The Plan&#8217;s &#8220;representative match rate&#8221; is the lowest &#8220;match rate&#8221; of any &#8220;eligible participant&#8221; who is not a Highly Compensated Employee for the Plan Year in
    either (i) the group consisting of half of all &#8220;eligible participants&#8221; who are not Highly Compensated Employees for the Plan Year and who make 401(k) Contributions for the Plan Year, or (ii) the group of all &#8220;eligible participants&#8221; who are not Highly
    Compensated Employees for the Plan Year and who are employed by the Employer or a Related Employer on the last day of the Plan Year and who make 401(k) Contributions for the Plan Year, whichever results in the greater amount. An &#8220;eligible participant&#8217;s
    &#8220;match rate&#8221; means the Matching Contributions made on behalf of the &#8220;eligible participant&#8221; for the Plan Year divided by the &#8220;eligible participant&#8217;s&#8221; 401(k) Contributions for the Plan Year; provided, however, that if Matching Contributions are made at
    different rates for different levels of Compensation, the &#8220;match rate&#8221; shall be determined assuming 401(k) Contributions equal to 6% of &#8220;test compensation&#8221;.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">34</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">To be included in computing an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; for a Plan Year, contributions must be allocated to the &#8220;eligible participant&#8217;s&#8221; Account as of a date within such Plan Year and must
    be made to the Plan before the end of the 12-month period immediately following the Plan Year to which the contributions relate. For Plan Years in which the prior year testing method is used in applying the nondiscrimination requirements applicable to
    Matching Contributions, contributions used in computing the &#8220;contribution percentage&#8221; for the &#8220;testing year&#8221; of a non-Highly Compensated Employee must be made before the last day of the Plan Year for which the test is being applied.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If an Employer elects to change from the current year testing method to the prior year testing method, the following shall not be included in computing a non-Highly Compensated Employee&#8217;s &#8220;contribution percentage&#8221;
    for the Plan Year immediately preceding the Plan Year in which the prior year testing method is first effective:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbbdbc309dd074bbfb0cfade8f8fb8173">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>401(k) Contributions that were included in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z93a2e4b4bbff44888bf5f6c388ea714f">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Special Annual Company Contributions that were included in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; or &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The determination of an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; shall be made after any reduction required to satisfy the Code Section 415 limitations is made as provided in this Article VII and shall
    satisfy such other requirements as may be prescribed by the Secretary of the Treasury.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">deferral percentage</font>&#8221; with respect to an Eligible Employee for a particular Plan Year means the ratio of the sum of the included contributions, described below, to the
    Eligible Employee&#8217;s &#8220;test compensation&#8221; for such Plan Year. Contributions made on behalf of an Eligible Employee for the Plan Year that are used in computing the Eligible Employee&#8217;s &#8220;deferral percentage&#8221; include the following:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2a515dfe995e41ccba6a63c1c88f63ae">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>401(k) Contributions, except as specifically provided below; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za26992290ffe462999dc21a05f62b058">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>as directed by the Administrator, Special Annual Company Contributions, to the extent such Special Annual Company Contributions are not included in determining the Eligible Employee&#8217;s &#8220;contribution percentage&#8221; for such Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the following 401(k) Contributions are not included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year:</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">35</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd3988d56ffd74d21b11b52b3e013256f">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>401(k) Contributions that are distributed to a non-Highly Compensated Employee in accordance with the provisions of Section 7.2 because they exceed the Code Section 402(g) limit;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z113c77243bcc4e3999671e244c8563a3">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>contributions made to the Plan pursuant to Code Section 414(u) that are treated as 401(k) Contributions;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zdaf13edaaadf450a9e91ffb2031f5b31">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Catch-Up 401(k) Contributions; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9fb77018d01048a4bd65f0caf0a8b69e">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>401(k) Contributions that are included in determining an Eligible Employee&#8217;s &#8220;contribution percentage&#8221; for the Plan Year, except to the extent necessary to demonstrate satisfaction of the requirement of Treasury Regulations Section
            1.401(m)-2(a)(6)(ii).</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">To be included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year, contributions must be allocated to the Eligible Employee&#8217;s Account as of a date within such Plan Year and be made to the Plan
    before the end of the 12-month period immediately following the Plan Year to which the contributions relate. For Plan Years in which the prior year testing method is used in applying the ADP test, contributions used in computing the &#8220;deferral
    percentage&#8221; for the &#8220;testing year&#8221; of a non-Highly Compensated Employee must be made before the last day of the Plan Year for which the test is being applied.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">401(k) Contributions included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year must relate to Compensation that either (i) would have been received by the Eligible Employee in such Plan Year
    or (ii) is attributable to services performed by the Eligible Employee in such Plan Year and would have been received by the Eligible Employee within 2 1/2 months of the close of such Plan Year. The Administrator shall direct, in accordance with
    uniform and non-discriminatory rules, whether 401(k) Contributions related to Compensation described in (ii) shall be included in an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for the Plan Year in which the services were performed or for the Plan Year
    in which the Compensation would have been received, provided that such 401(k) Contributions shall not be included in an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for both such Plan Years.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If an Employer elects to change from the current year testing method to the prior year testing method, the following shall not be included in computing a non-Highly Compensated Employee&#8217;s &#8220;deferral percentage&#8221; for
    the Plan Year immediately preceding the Plan Year in which the prior year testing method is first effective:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf0cad92e8f5b4bc985f0a7da842d0272">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top; text-align: justify;">
          <div>401(k) Contributions that were included in computing the Eligible Employee&#8217;s &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year; and</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">36</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf614ba491d96494fbb26c01bf1012ad1">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Special Annual Company Contributions that were included in computing the Eligible Employee&#8217;s &#8220;deferral percentage&#8221; or &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The determination of an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; shall be made after any reduction required to satisfy the Code Section 415 limitations is made as provided in this Article VII and shall satisfy such
    other requirements as may be prescribed by the Secretary of the Treasury.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">elective contribution</font>&#8221; means any employer contribution made to a plan maintained by an Employer or a Related Employer on behalf of a Participant in lieu of cash
    compensation pursuant to his election (whether such election is an active election or a passive election) to defer under any qualified CODA as described in Code Section 401(k), any simplified employee pension cash or deferred arrangement as described
    in Code Section 402(h)(1)(B), or any plan as described in Code Section 501(c)(18), and any contribution made on behalf of the Participant by an Employer or a Related Employer for the purchase of an annuity contract under Code Section 403(b) pursuant to
    a salary reduction agreement. For purposes of applying the limitations described in this Article VII, the term &#8220;elective contribution&#8221; includes designated Roth contributions and excludes &#8220;catch-up contributions&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">elective 401(k) contribution</font>&#8221; means any employer contribution made to a plan maintained by an Employer or a Related Employer on behalf of a Participant in lieu of cash
    compensation pursuant to his election (whether such election is an active election or a passive election) to defer under any qualified CODA as described in Code Section 401(k) including a designated Roth contribution. For purposes of applying the
    limitations described in this Article VII, the term &#8220;elective 401(k) contribution&#8221; excludes &#8220;catch-up contributions&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">eligible participant</font>&#8221; means any Eligible Employee who is to participate in the allocation of Matching Contributions.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the following Employees shall not be included as &#8220;eligible participants&#8221;:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z99118b1ab6d74154b7a69ac68d6752c3">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>Eligible Employees who are covered by a collective bargaining agreement between their Employer and employee representatives if retirement benefits were the subject of good faith bargaining.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">employee contribution</font>&#8221; means any employee after-tax contribution allocated to an Eligible Employee&#8217;s account under any qualified plan of an Employer or a Related Employer.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">37</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">excess aggregate contribution</font>&#8221; means any contribution made to the Plan on behalf of a Highly Compensated Employee that exceeds the limitations described in Section 7.7.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">excess contribution</font>&#8221; means any contribution made to the Plan on behalf of a Highly Compensated Employee that exceeds the limitations described in Section 7.4.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">An &#8220;<font style="font-weight: bold;">excess deferral</font>&#8221; with respect to a Participant means that portion of a Participant&#8217;s 401(k) Contributions, excluding Catch-Up 401(k) Contributions, for his taxable year
    that, when added to amounts deferred for such taxable year under other plans or arrangements described in Code Section 401(k), 408(k), or 403(b) (other than any such plan or arrangement that is maintained by an Employer or a Related Employer and
    excluding any &#8220;catch-up contributions&#8221;), would exceed the dollar limit imposed under Code Section 402(g) as in effect on January 1 of the calendar year in which such taxable year begins and is includible in the Participant&#8217;s gross income under Code
    Section 402(g).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">415 compensation</font>&#8221; of a Participant for any &#8220;limitation year&#8221; means the Participant&#8217;s wages within the meaning of Code Section 3401(a) (for purposes of income tax
    withholding at the source) paid to him by an Employer or a Related Employer, determined without regard to any rules that limit compensation included in wages based on the nature or location of the employment or services performed, plus all other
    payments of compensation to the Participant by the Employer or a Related Employer (in the course of its trade or business) for which the Employer or Related employer is required to furnish the Participant a written statement under Code Sections
    6041(d), 6051(a)(3) and 6052.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;415 compensation&#8221; also includes (i) any elective deferral, as defined in Code Section 402(g)(3) and (ii) any amount contributed or deferred by the Employer or Related Employer at the Participant&#8217;s election which is
    not includable in the Participant&#8217;s gross income by reason of Code Sections 125, 132(f)(4), or 457, provided that any such amount is attributable to compensation that would otherwise be included in &#8220;415 compensation&#8221; as defined above. For purposes of
    this paragraph, amounts under a group health plan that a Participant cannot receive in cash in lieu of coverage under the group health plan because the Participant cannot certify that he has other health coverage will nevertheless be deemed to be
    excluded from the Participant&#8217;s taxable income pursuant to Code Section 125.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant is absent from employment as a Covered Employee to perform service in the uniformed services (as defined in Chapter 43 of Title 38 of
    the United States Code), his &#8220;415 compensation&#8221; will include any &#8220;military differential pay&#8221;, as defined hereunder, he receives or is entitled to receive from his Employer. For purposes of this paragraph, &#8220;military differential pay&#8221; means any payment
    made to the Participant by the Employer after December 31, 2008, with respect to a period during which the Participant is performing service in the uniformed services (as defined in Chapter 43 of Title 38 of the United States Code) while on active duty
    for a period of more than 30 days that represents all or a portion of the wages the Participant would have received if he had continued employment with the Employer as an Employee.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">38</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant has a severance from employment (as defined in Treasury Regulations Section 1.415(a)-1(f)(5)) with the Employer and all Related Employers, &#8220;415 compensation&#8221; does not include amounts received by the
    Participant following such severance from employment except amounts paid before the later of (a) the close of the &#8220;limitation year&#8221; in which the Participant&#8217;s severance from employment occurs or (b) within 2 &#189; months of such severance if such amounts:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z12ff9be1ef364719b66eb0a8f2bdc3e0">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>would otherwise have been paid to the Participant in the course of his employment, are regular compensation for services during the Participant&#8217;s regular working hours, compensation for services outside the Participant&#8217;s regular working
            hours (such as overtime or shift differential pay), commissions, bonuses, or other similar compensation, and would have been included in the Participant&#8217;s &#8220;415 compensation&#8221; if he had continued in employment.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd8c715a863df4d5d82476afcec4fcd00">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>are payments for accrued bona fide sick, vacation or other leave, but only if the Participant would have been able to use such leave if his employment had continued and such amounts would have been includable in &#8220;415 compensation&#8221; if his
            employment had continued.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zda633ff903a3480cbadcf3e9900d530b">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>are received by the Participant pursuant to a non-qualified, unfunded deferred compensation plan, but only if the Participant would have received such payments at the same time if he had continued in employment and such payments would have
            been included in &#8220;415 compensation&#8221; if his employment had continued and only to the extent the payments are includable in the Participant&#8217;s gross income.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of this subsection, a Participant will not be considered to have incurred a severance from employment if his new employer continues to maintain the plan with respect to such Participant.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">To be included in a Participant&#8217;s &#8220;415 compensation&#8221; for a particular &#8220;limitation year&#8221;, an amount must have been received by the Participant (or would have been received, but for the Participant&#8217;s election (or
    deemed election) under Code Section 125(a), 132(f)(4), 402(e)(3), 402(h)(1)(B), 402(k), or 457(b)) within such &#8220;limitation year&#8221;.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In no event, however, shall the &#8220;415 compensation&#8221; of a Participant taken into account under the Plan for any &#8220;limitation year&#8221; exceed the limit in effect under Code Section 401(a)(17) ($255,000 for &#8220;limitation
    years&#8221; beginning in 2013, subject to adjustment annually as provided in Code Sections 401(a)(17)(B) and 415(d); provided, however, that the dollar increase in effect on January 1 of any calendar year, if any, is effective for &#8220;limitation years&#8221;
    beginning in such calendar year). If the &#8220;415 compensation&#8221; of a Participant is determined over a period of time that contains fewer than 12 calendar months, then the annual compensation limitation described above shall be adjusted with respect to that
    Participant by multiplying the annual compensation limitation in effect for the Plan Year by a fraction the numerator of which is the number of full months in the period and the denominator of which is 12; provided, however, that no proration is
    required for a Participant who is covered under the Plan for fewer than 12 months.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">39</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, solely for purposes of determining whether an Employee is a Highly Compensated Employee or a &#8220;key employee&#8221; for purposes of Article XXII, the Employee&#8217;s &#8220;415 compensation&#8221; shall not be
    subject to the Code Section 401(a)(17) limit.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">limitation year</font>&#8221; means the calendar year.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">matching contribution</font>&#8221; means any employer contribution allocated to an Eligible Employee&#8217;s account under any plan of an Employer or a Related Employer solely on account of
    &#8220;elective contributions&#8221; made on his behalf or &#8220;employee contributions&#8221; made by him.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">qualified matching contribution</font>&#8221; means any employer contribution allocated to an Eligible Employee&#8217;s account under any plan of an Employer or a Related Employer solely on
    account of &#8220;elective contributions&#8221; made on his behalf or &#8220;employee contributions&#8221; made by him that is a qualified matching contribution as defined in regulations issued under Code Section 401(k), is nonforfeitable when made, and is distributable only
    as permitted in regulations issued under Code Section 401(k).</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">qualified nonelective contribution</font>&#8221; means any employer contribution allocated to an Eligible Employee&#8217;s account under any plan of an Employer or a Related Employer that the
    Participant could not elect instead to receive in cash until distributed from the Plan, that is a qualified nonelective contribution as defined in Code Sections 401(k) and 401(m) and regulations issued thereunder, is nonforfeitable when made, and is
    distributable (other than for hardships) only as permitted in regulations issued under Code Section 401(k).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">test compensation</font>&#8221; of an Eligible Employee or &#8220;eligible participant&#8221; for any Plan Year means any definition of compensation designated by the Administrator that satisfies
    the requirements of Code Section 414(s). The Administrator may exclude from &#8220;test compensation&#8221; amounts paid to an individual during a Plan Year, but while the individual was not an Eligible Employee or &#8220;eligible participant&#8221; provided such exclusion is
    applied on a uniform and consistent basis with respect to similarly situated employees.</div>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">40</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In no event, however, shall the &#8220;test compensation&#8221; of an Eligible Employee or &#8220;eligible participant&#8221; taken into account under the Plan for any Plan Year exceed the limit in effect under Code Section 401(a)(17)
    ($250,000 for Plan Years beginning in 2012, subject to adjustment annually as provided in Code Sections 401(a)(17)(B) and 415(d); provided, however, that the dollar increase in effect on January 1 of any calendar year, if any, is effective for Plan
    Years beginning in such calendar year). If the &#8220;test compensation&#8221; of an Eligible Employee or &#8220;eligible participant&#8221; is determined over a period of time that contains fewer than 12 calendar months, then the annual compensation limitation described
    above shall be adjusted with respect to that Eligible Employee or &#8220;eligible participant&#8221; by multiplying the annual compensation limitation in effect for the Plan Year by a fraction the numerator of which is the number of full months in the period and
    the denominator of which is 12; provided, however, that no proration is required for an Eligible Employee or &#8220;eligible participant&#8221; who is covered under the Plan for less than one full Plan Year.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">testing year</font>&#8221; under the prior year testing method means the Plan Year immediately preceding the Plan Year for which the limitations on &#8220;deferral percentages&#8221; and/or
    &#8220;contribution percentages&#8221; (as applicable) of Highly Compensated Employees is being determined.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb72f1b225cea44a2958e04763bc2e0f9">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250123"></a><font style="font-weight: bold;">7.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Code Section 402(g) Limit</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In no event shall the amount of the 401(k) Contributions, excluding Catch-Up 401(k) Contributions, made on behalf of an Eligible Employee for his taxable year, when aggregated with any &#8220;elective contributions&#8221; made
    on behalf of the Eligible Employee under any other plan of an Employer or a Related Employer for his taxable year, exceed the dollar limit imposed under Code Section 402(g), as in effect on January 1 of the calendar year in which such taxable year
    begins. In the event that the Administrator determines that the reduction percentage elected by an Eligible Employee will result in his exceeding the Code Section 402(g) limit, the Administrator may adjust the reduction authorization of such Eligible
    Employee by reducing the percentage of his 401(k) Contributions to such smaller percentage that will result in the Code Section 402(g) limit not being exceeded. If the Administrator determines that the 401(k) Contributions made on behalf of an Eligible
    Employee would exceed the Code Section 402(g) limit for his taxable year, the 401(k) Contributions for such Participant shall be automatically suspended for the remainder, if any, of such taxable year.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If an Employer notifies the Administrator that the Code Section 402(g) limit has nevertheless been exceeded by an Eligible Employee for his taxable year, the 401(k) Contributions that, when aggregated with &#8220;elective
    contributions&#8221; made on behalf of the Eligible Employee under any other plan of an Employer or a Related Employer, would exceed the Code Section 402(g) limit, plus any income and minus any losses attributable thereto, shall be either re-characterized as
    Catch-Up 401(k) Contributions or distributed to the Eligible Employee no later than the April 15 immediately following such taxable year.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">41</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Any 401(k) Contributions that are distributed to an Eligible Employee in accordance with this Section shall <u>not</u> be taken into account in determining the Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for the
    &#8220;testing year&#8221; in which the 401(k) Contributions were made, unless the Eligible Employee is a Highly Compensated Employee.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If excess 401(k) Contributions are distributed to a Participant or are re-characterized as Catch-Up 401(k) Contributions in accordance with this Section, Matching Contributions that are attributable solely to the
    re-characterized or distributed 401(k) Contributions, plus any income and minus any losses attributable thereto, shall be forfeited by the Participant no earlier than the date on which re-characterization or distribution of 401(k) Contributions
    pursuant to this Section occurs and no later than the last day of the Plan Year following the Plan Year for which the Matching Contributions were made.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7c106b46c2104ec79e68b77e33e6150e">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250122"></a><font style="font-weight: bold;">7.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Distribution of &#8220;Excess Deferrals&#8221;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant notifies the Administrator in writing (or in any other form acceptable to the Administrator) no later than the March 1 following the
    close of the Participant&#8217;s taxable year that &#8220;excess deferrals&#8221; have been made on his behalf under the Plan for such taxable year, the &#8220;excess deferrals&#8221;, plus any income and minus any losses attributable thereto, shall be distributed to the
    Participant no later than the April 15 immediately following such taxable year.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Any 401(k) Contributions that are distributed to a Participant in accordance with this Section shall nevertheless be taken into account in determining the Participant&#8217;s &#8220;deferral percentage&#8221; for the &#8220;testing year&#8221;
    in which the 401(k) Contributions were made.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If 401(k) Contributions are distributed to a Participant in accordance with this Section, Matching Contributions that are attributable solely to the distributed 401(k) Contributions, plus any income and minus any
    losses attributable thereto, shall be forfeited by the Participant no earlier than the date on which distribution of 401(k) Contributions pursuant to this Section occurs and no later than the last day of the Plan Year following the Plan Year for which
    the Matching Contributions were made.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2c9f67a5ed4a45a5a19e54daf144167b">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250121"></a><font style="font-weight: bold;">7.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Limitation on 401(k) Contributions of Highly Compensated Employees &#8211; ADP Test</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the 401(k) Contributions made with respect to a Plan Year on behalf of Eligible Employees who are Highly Compensated Employees may not result in an
    average &#8220;deferral percentage&#8221; for such Eligible Employees that exceeds the greater of:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z43a0a987ca0545ac8607bfde4c149191">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>a percentage that is equal to 125% of the average &#8220;deferral percentage&#8221; for all other Eligible Employees for the &#8220;testing year&#8221;; or</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">42</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z50ec34e5068140118fd280bfe91c5748">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>a percentage that is not more than 200% of the average &#8220;deferral percentage&#8221; for all other Eligible Employees for the &#8220;testing year&#8221; and that is not more than 2 percentage points higher than the average &#8220;deferral percentage&#8221; for all other
            Eligible Employees for the &#8220;testing year&#8221;,</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">unless the &#8220;excess contributions&#8221;, determined as provided in the following Section are re- characterized or distributed as provided in Section 7.6.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the Plan provides that Employees are eligible to make 401(k) Contributions before they have satisfied the minimum age and service requirements under Code Section 410(a)(1)(A) and applies Code Section 410(b)(4)(B)
    in determining whether the cash or deferred arrangement meets the requirements of Code Section 410(b)(1), the Administrator may apply the limitations described above either:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc251200a73f041e5bd5872f241e1a65a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>by comparing the average &#8220;deferral percentage&#8221; of all Eligible Employees who are Highly Compensated Employees for the Plan Year to the average &#8220;deferral percentage&#8221; for the &#8220;testing year&#8221; of all other Eligible Employees who have satisfied
            the minimum age and service requirements under Code Section 410(a)(1)(A); or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z32766bd330c5422485c67058e72391c1">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>separately with respect to Eligible Employees who have not satisfied the minimum age and service requirements under Code Section 410(a)(1)(A) and Eligible Employees who have satisfied such minimum age and service requirements.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In order to assure that the limitation contained herein is not exceeded with respect to a Plan Year, the Administrator is authorized to set a limit on the percentage of Compensation that a Highly Compensated
    Employee may contribute to the Plan as 401(k) Contributions for the Plan Year, to suspend completely further 401(k) Contributions on behalf of Highly Compensated Employees for any remaining portion of a Plan Year, or to adjust the projected &#8220;deferral
    percentages&#8221; of Highly Compensated Employees by reducing the percentage of their deferral elections for any remaining portion of a Plan Year to such smaller percentage that is intended to result in the limitation set forth above not being exceeded. If
    the Administrator limits the 401(k) Contributions that may be made by Highly Compensated Employees for a Plan Year, the Administrator shall communicate that limit as soon as reasonably practicable. In the event of a suspension or reduction, Highly
    Compensated Employees affected thereby shall be notified of the reduction or suspension as soon as reasonably practicable. An affected Highly Compensated Employee may be entitled to make a new election for the following Plan Year.</div>
  <div>&#160;</div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">43</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">In determining the &#8220;deferral percentage&#8221; for any Eligible Employee who is a Highly Compensated Employee for the Plan Year, &#8220;elective 401(k) contributions&#8221;, &#8220;qualified nonelective contributions&#8221;, and &#8220;qualified
    matching contributions&#8221; (to the extent that &#8220;qualified nonelective contributions&#8221; and &#8220;qualified matching contributions&#8221; are taken into account in determining &#8220;deferral percentages&#8221;) made to his accounts under any plan of an Employer or a Related
    Employer that is not mandatorily disaggregated pursuant to Treasury Regulations Section 1.410(b)-7(c), as modified by Section 1.401(k)-1(b)(4) (without regard to the prohibition on aggregating plans with inconsistent testing methods contained in
    Section 1.401(k)-1(b)(4)((iii)(B) and the prohibition on aggregating plans with different plan years contained in Section 1.410(b)-7(d)(5)), shall be treated as if all such contributions were made to the Plan; provided, however, that if such a plan has
    a plan year different from the Plan Year, any such contributions made to the Highly Compensated Employee&#8217;s accounts under the other plan during the Plan Year shall be treated as if such contributions were made to the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If one or more plans of an Employer or Related Employer are aggregated with the Plan for purposes of satisfying the requirements of Code Section 401(a)(4) or 410(b), then &#8220;deferral percentages&#8221; under the Plan shall
    be calculated as if the Plan and such one or more other plans were a single plan. Pursuant to Treasury Regulations Section 1.401(k)- 1(b)(4)(v), an Employer may elect to calculate &#8220;deferral percentages&#8221; aggregating ESOP and non-ESOP plans. In addition,
    an Employer may elect to calculate &#8220;deferral percentages&#8221; aggregating bargained plans maintained for different bargaining units, provided that such aggregation is done on a reasonable basis and is reasonably consistent from year to year. Plans may be
    aggregated under this paragraph only if they have the same plan year and utilize the same testing method to satisfy the requirements of Code Section 401(k).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The Administrator shall maintain records sufficient to show that the limitation contained in this Section was not exceeded with respect to any Plan Year and the amount of the &#8220;qualified nonelective contributions&#8221;
    and/or &#8220;qualified matching contributions&#8221; taken into account in determining &#8220;deferral percentages&#8221; for any Plan Year.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7927b9ee1d8648a9887eea8384507c94">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; font-weight: bold;">7.5</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Determination and Allocation of &#8220;Excess Contributions&#8221; Among Highly Compensated Employees</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if the ADP test described in the preceding Section is not satisfied in any Plan Year, the Administrator shall first determine the dollar amount of the
    excess by reducing the dollar amount of the contributions included in determining the &#8220;deferral percentage&#8221; of Highly Compensated Employees in order of their &#8220;deferral percentages&#8221; as follows:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z94e77412ea374003b30635e289aeec86">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The highest &#8220;deferral percentage(s)&#8221; shall be reduced to the greater of (1) the maximum &#8220;deferral percentage&#8221; that satisfies the ADP test described in the preceding Section or (2) the next highest &#8220;deferral percentage&#8221;.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z697b53d221b84e19a6d8ac8739bdcd4c">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>If the ADP test described in the preceding Section is still not satisfied after application of the provisions of paragraph (a), the Administrator shall continue reducing &#8220;deferral percentages&#8221; of Highly Compensated Employees, continuing with
            the next highest &#8220;deferral percentage&#8221;, in the manner provided in paragraph
            <div>(a) until the ADP test described in the preceding Section is satisfied.</div>
          </div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">44</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The determination of the amount of &#8220;excess contributions&#8221; hereunder shall be made after 401(k) Contributions and &#8220;excess deferrals&#8221; have been re-characterized or distributed pursuant to Sections 7.2 and 7.3, if
    applicable.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">After determining the dollar amount of the &#8220;excess contributions&#8221; that have been made to the Plan, the Administrator shall then allocate such excess among Highly Compensated Employees in order of the dollar amount
    of their &#8220;deferral percentages&#8221; as follows:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9b5c34b450f940d7b3acd7ceb327e786">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The contributions included in the &#8220;deferral percentage(s)&#8221; of the Highly Compensated Employee(s) with the largest dollar amount of &#8220;deferral percentage&#8221; for the Plan Year shall be reduced by the dollar amount of the excess (with such dollar
            amount being allocated equally among all such Highly Compensated Employees), but not below the dollar amount of the &#8220;deferral percentage&#8221; of the Highly Compensated Employee(s) with the next highest dollar amount of &#8220;deferral percentage&#8221; for the
            Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd25db1e841554eea9bfabd0ab9554207">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>If the excess has not been fully allocated after application of the provisions of paragraph (c), the Administrator shall continue reducing the contributions included in the &#8220;deferral percentages&#8221; of Highly Compensated Employees, continuing
            with the Highly Compensated Employees with the largest remaining dollar amount of &#8220;deferral percentages&#8221; for the Plan Year, in the manner provided in paragraph (c) until the entire excess determined above has been allocated.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z53c8886431654315ba9c9793f4fdf8e4">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250120"></a><font style="font-weight: bold;">7.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Treatment of &#8220;Excess Contributions&#8221;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Except to the extent that a Highly Compensated Employee&#8217;s &#8220;excess contributions&#8221; may be re-characterized as Catch-Up 401(k) Contributions, &#8220;excess contributions&#8221; allocated to a Highly Compensated Employee pursuant
    to the preceding Section, plus any income and minus any losses attributable thereto, shall be distributed to the Highly Compensated Employee within 12 months of the close of the Plan Year in which they were made. If such excess amounts are distributed
    more than 2 1/2 months after the last day of the Plan Year for which the excess occurred, an excise tax of 10% may be imposed under Code Section 4979 on the Employer maintaining the Plan with respect to such amounts.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If excess 401(k) Contributions are distributed to a Participant or are re-characterized as Catch-Up 401(k) Contributions in accordance with this Section, Matching Contributions that are attributable solely to the
    re-characterized or distributed 401(k) Contributions, plus any income and minus any losses attributable thereto, shall be forfeited by the Participant no earlier than the date on which re-characterization or distribution of 401(k) Contributions
    pursuant to this Section occurs and no later than the last day of the Plan Year following the Plan Year for which the Matching Contributions were made.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">45</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z94ea273d82e94ae88b1be3ca14c31336">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">7.7</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Limitation on Contributions of Highly Compensated Employees &#8211; ACP Test</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the Matching Contributions made with respect to a Plan Year on behalf of &#8220;eligible participants&#8221; who are Highly Compensated Employees may not result
    in an average &#8220;contribution percentage&#8221; for such &#8220;eligible participants&#8221; that exceeds the greater of:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7c146cc109554b82a0d5fc523546c60d">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>a percentage that is equal to 125% of the average &#8220;contribution percentage&#8221; for all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221;; or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc6b886ee813c4f24aaff5050e3f33f5b">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>a percentage that is not more than 200% of the average &#8220;contribution percentage&#8221; for all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221; and that is not more than 2 percentage points higher than the average &#8220;contribution percentage&#8221; for
            all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221;,</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">unless the &#8220;excess aggregate contributions&#8221;, determined as provided in the following Section are forfeited or distributed as provided in Section 7.8.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the Plan provides that Employees are eligible to receive Matching Contributions before they have satisfied the minimum age and service requirements under Code Section 410(a)(1)(A) and applies Code Section
    410(b)(4)(B) in determining whether the portion of the Plan subject to Code Section 401(m) meets the requirements of Code Section 410(b)(1), the Administrator may apply the limitations described above either:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1f5b5b4302974974b443a71d74c8245d">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>by comparing the average &#8220;contribution percentage&#8221; of all &#8220;eligible participants&#8221; who are Highly Compensated Employees for the Plan Year to the average &#8220;contribution percentage&#8221; for the &#8220;testing year&#8221; of all other &#8220;eligible participants&#8221; who
            have satisfied the minimum age and service requirements under Code Section 410(a)(1)(A); or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z022282a2d9bc48ecaf32f70312f71018">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>separately with respect to &#8220;eligible participants&#8221; who have not satisfied the minimum age and service requirements under Code Section 410(a)(1)(A) and &#8220;eligible participants&#8221; who have satisfied such minimum age and service requirements.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In determining the &#8220;contribution percentage&#8221; for any &#8220;eligible participant&#8221; who is a Highly Compensated Employee for the Plan Year, &#8220;matching contributions&#8221;, &#8220;employee contributions&#8221;, &#8220;qualified nonelective
    contributions&#8221;, and &#8220;elective 401(k) contributions&#8221; (to the extent that &#8220;qualified nonelective contributions&#8221; and &#8220;elective 401(k) contributions&#8221; are taken into account in determining &#8220;contribution percentages&#8221;) made to his accounts under any plan of
    an Employer or a Related Employer that is not mandatorily disaggregated pursuant to Treasury Regulations Section 1.410(b)-7(c), as modified by Section 1.401(m)-1(b)(4) (without regard to the prohibition on aggregating plans with inconsistent testing
    methods contained in Section 1.401(m)-1(b)(4)((iii)(B) and the prohibition on aggregating plans with different plan years contained in Section 1.410(b)-7(d)(5)), shall be treated as if all such contributions were made to the Plan; provided, however,
    that if such a plan has a plan year different from the Plan Year, any such contributions made to the Highly Compensated Employee&#8217;s accounts under the other plan during the Plan Year shall be treated as if such contributions were made to the Plan.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">46</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If one or more plans of an Employer or a Related Employer are aggregated with the Plan for purposes of satisfying the requirements of Code Section 401(a)(4) or 410(b), the &#8220;contribution percentages&#8221; under the Plan
    shall be calculated as if the Plan and such one or more other plans were a single plan. Pursuant to Treasury Regulations Section 1.401(m)-1(b)(4)(v), an Employer may elect to calculate &#8220;contribution percentages&#8221; aggregating ESOP and non-ESOP plans. In
    addition, an Employer may elect to calculate &#8220;contribution percentages&#8221; aggregating bargained plans maintained for different bargaining units, provided that such aggregation is done on a reasonable basis and is reasonably consistent from year to year.
    Plans may be aggregated under this paragraph only if they have the same plan year and utilize the same testing method to satisfy the requirements of Code Section 401(m).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The Administrator shall maintain records sufficient to show that the limitation contained in this Section was not exceeded with respect to any Plan Year and the amount of the &#8220;elective 401(k) contributions&#8221;,
    &#8220;qualified nonelective contributions&#8221;, and/or &#8220;qualified matching contributions&#8221; taken into account in determining &#8220;contribution percentages&#8221; for any Plan Year.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z03339e7145604459aa533135110b8030">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250119"></a><font style="font-weight: bold;">7.8</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Determination and Allocation of Excess Aggregate Contributions Among Highly Compensated Employees</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if the ACP test is not satisfied in any Plan Year, the Administrator shall first determine the dollar amount of the excess by reducing the dollar
    amount of the contributions included in determining the &#8220;contribution percentage&#8221; of Highly Compensated Employees in order of their &#8220;contribution percentages&#8221;, as follows:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0c5ba0337ec64f73a9fbdd2322ef333e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The highest &#8220;contribution percentage(s)&#8221; shall be reduced to the greater of (1) the maximum &#8220;contribution percentage&#8221; that satisfies the ACP test described in the preceding Section or (2) the next highest &#8220;contribution percentage&#8221;.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z06a03ac4dc7847abb83711c938d257c2">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>If the ACP test described in the preceding Section is still not satisfied after application of the provisions of paragraph (a), the Administrator shall continue reducing &#8220;contribution percentages&#8221; of Highly Compensated Employees, continuing
            with the next highest &#8220;contribution percentage&#8221;, in the manner provided in paragraph (a) until the ACP test described in the preceding Section is satisfied.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The determination of the amount of the &#8220;excess aggregate contributions&#8221; shall be made after application of Sections 7.2, 7.3, and 7.6, if applicable.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">47</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">After determining the dollar amount of the &#8220;excess aggregate contributions&#8221; that have been made to the Plan, the Administrator shall next allocate such excess among Highly Compensated Employees in order of the
    dollar amount of their &#8220;contribution percentages&#8221; as follows:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcb45571f845b4f2fb79d735cab12d79e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The contributions included in the &#8220;contribution percentages&#8221; of the Highly Compensated Employee(s) with the largest dollar amount of &#8220;contribution percentage&#8221; shall be reduced by the dollar amount of the excess (with such dollar amount being
            allocated equally among all such Highly Compensated Employees), but not below the dollar amount of the &#8220;contribution percentage&#8221; of the Highly Compensated Employee(s) with the next highest dollar amount of &#8220;contribution percentage&#8221; for the Plan
            Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcd92baa1b6a34b36b5623746cc46d5c2">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>If the excess has not been fully allocated after application of the provisions of paragraph (c), the Administrator shall continue reducing the contributions included in the &#8220;contribution percentages&#8221; of Highly Compensated Employees,
            continuing with the Highly Compensated Employees with the largest remaining dollar amount of &#8220;contribution percentages&#8221; for the Plan Year, in the manner provided in paragraph (c) until the entire excess determined above has been allocated.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za9024c500a8f4bf2b60a250bf3ce9490">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250118"></a><font style="font-weight: bold;">7.9</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Forfeiture or Distribution of &#8220;Excess Aggregate Contributions&#8221;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;Excess aggregate contributions&#8221; allocated to a Highly Compensated Employee pursuant to the preceding Section, plus any income and minus any losses attributable thereto, shall be forfeited, to the extent
    forfeitable, or distributed within 12 months of the close of the Plan Year in which they were made, as hereinafter provided. If such excess amounts are forfeited or distributed more than 2 1/2 months after the last day of the Plan Year for which the
    excess occurred, an excise tax may be imposed under Code Section 4979 on the Employer maintaining the Plan with respect to such amounts.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Excess amounts shall be forfeited or distributed from a Highly Compensated Employee&#8217;s Account in the order prescribed by the Administrator, which order shall be uniform with respect to all Highly Compensated
    Employees and non-discriminatory.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">&#8220;Excess aggregate contributions&#8221; that are vested shall in all cases be distributed. Excess Matching Contributions that are not vested shall be forfeited. Any amounts forfeited with respect to a Participant pursuant
    to this Section shall be treated as a forfeiture under the Plan no later than the last day of the Plan Year following the Plan Year for which the Matching Contributions were made.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">48</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z96c2df22045d4988861d02a926b35bb1">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250117"></a><font style="font-weight: bold;">7.10</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Treatment of Forfeited Matching Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Any Matching Contributions that are forfeited pursuant to the provisions of the preceding Sections of this Article shall be applied against the Employers&#8217; contribution obligations or against Plan expenses, as
    directed by the Administrator.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfe54cd51700b4797a1f04535f633b5f4">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250116"></a><font style="font-weight: bold;">7.11</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Determination of Income or Loss</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The income or loss attributable to contributions in excess of a limit described above that are distributed pursuant to this Article shall be determined for the preceding Plan Year under the method otherwise used for
    allocating income or loss to Participants&#8217; Accounts.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, income and loss for the gap period shall not be distributed with respect to contributions in excess of any limit described in the preceding Sections of this Article VII.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf1dba2e3662c4671b1691df217fd6842">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">7.12</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Code Section 415 Limitations on Crediting of Contributions and Forfeitures</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the &#8220;annual addition&#8221; with respect to a Participant for a &#8220;limitation year&#8221; shall in no event exceed the lesser of (i) the maximum dollar amount
    permitted under Code Section 415(c)(1)(A), adjusted as provided in Code Section 415(d) (e.g., $51,000 for the &#8220;limitation year&#8221; beginning in 2013) or (ii) 100% of the Participant&#8217;s &#8220;415 compensation&#8221; for the &#8220;limitation year&#8221;; provided, however, that
    the limit in clause (i) shall be pro-rated for any short &#8220;limitation year&#8221;. The limit in clause (ii) shall not apply to any contribution to an individual medical account, as defined in Code Section 415(l), or to a post-retirement medical benefits
    account maintained for a key employee which is treated as an &#8220;annual addition&#8221; under Code Section 419A(d)(2). A Participant&#8217;s 401(k) Contributions may be re-characterized as Catch-Up 401(k) Contributions and excluded from the Participant&#8217;s &#8220;annual
    additions&#8221; for the &#8220;limitation year&#8221; to satisfy the preceding limitation.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If the Employer or a Related Employer participates in a multiemployer plan, in determining whether the &#8220;annual additions&#8221; made on behalf of a Participant to the Plan, when aggregated with &#8220;annual additions&#8221; made on
    the Participant&#8217;s behalf under the multiemployer plan satisfy the above limitation, only &#8220;annual additions&#8221; made by the Employer (or a Related Employer) to the multiemployer plan shall be aggregated with the &#8220;annual additions&#8221; under the Plan and &#8220;415
    compensation&#8221; shall include only compensation paid to the Participant by the Employer (or a Related Employer).</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the &#8220;annual addition&#8221; to the Account of a Participant in any &#8220;limitation year&#8221; nevertheless exceeds the amount that may be applied for his benefit under the limitations described in clauses (i) and (ii) above,
    correction may be made in accordance with the Employee Plans Compliance Resolution System, as set forth in Revenue Procedure 2013- 12, or any superseding guidance.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">49</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb72226937f49443891f83d293cfec9e1">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; font-weight: bold;">7.13</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Application of Code Section 415 Limitations Where Participant is Covered Under Other Qualified Defined Contribution Plan</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant is covered by any other qualified defined contribution plan (whether or not terminated) maintained by an Employer or a Related Employer concurrently with the Plan, and if the &#8220;annual addition&#8221; to be
    made under the Plan for the &#8220;limitation year&#8221; when combined with the &#8220;annual addition&#8221; to be made under such other qualified defined contribution plan(s) would otherwise exceed the amount that may be applied for the Participant&#8217;s benefit under the
    limitation contained in the preceding Section, the &#8220;annual addition&#8221; to be made under the Plan shall be reduced, to the extent necessary so that the limitation in the preceding Section is satisfied.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the &#8220;annual addition&#8221; to the Account of a Participant in any &#8220;limitation year&#8221; when combined with the &#8220;annual addition&#8221; made under any other qualified defined contribution plan maintained by an Employer or a
    Related Employer, nevertheless exceeds the amount that may be applied for the Participant&#8217;s benefit under the limitation contained in the preceding Section, correction may be made in accordance with the Employee Plans Compliance Resolution System, as
    set forth in Revenue Procedure 2013-12, or any superseding guidance.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9af2e3f3f567455eb141199e0a1c00e3">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250115"></a><font style="font-weight: bold;">7.14</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Scope of Limitations</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Code Section 415 limitations contained in the preceding Sections shall be applicable only with respect to benefits provided pursuant to defined contribution plans and defined benefit plans described in Code
    Section 415(k). For purposes of applying the Code Section 415 limitations contained in the preceding Sections, the term &#8220;Related Employer&#8221; shall be adjusted as provided in Code Section 415(h).</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">50</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE VIII</div>
  <div style="text-align: center; font-weight: bold;">TRUST FUNDS AND ACCOUNTS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4507bc2a6c5046569f061e43ab3b9e49">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250114"></a><font style="font-weight: bold;">8.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">General Fund</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Trustee shall maintain a General Fund as required to hold and administer any assets of the Trust that are not allocated among the Investment Funds as provided in the Plan or the Trust Agreement. The General Fund
    shall be held and administered as a separate common trust fund. The interest of each Participant or Beneficiary under the Plan in the General Fund shall be an undivided interest.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbf195b8ca84a4084aa427bc74608ed4e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250113"></a><font style="font-weight: bold;">8.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Investment Funds</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Subject to Section 8.4, the Investment Fiduciary shall determine the number and type of Investment Funds and shall communicate the same and any changes therein in writing to the Trustee. Each Investment Fund shall
    be held and administered as a separate fund. The interest of each Participant or Beneficiary under the Plan in any Investment Fund shall be an undivided interest.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8516035ec0e345f49bad2176b64c00df">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250112"></a><font style="font-weight: bold;">8.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Loan Investment Fund</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a loan from the Plan to a Participant is approved in accordance with the provisions of Article XII, the Investment Fiduciary shall direct the establishment and maintenance of a loan Investment Fund in the
    Participant&#8217;s name. The assets of the loan Investment Fund shall be held as a separate trust fund. A Participant&#8217;s loan Investment Fund shall be invested in the note(s) reflecting the loan(s) made to the Participant in accordance with the provisions of
    Article XII. Notwithstanding any other provision of the Plan to the contrary, income received with respect to a Participant&#8217;s loan Investment Fund shall be allocated and the loan Investment Fund shall be administered as provided in Article XII.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z93966be91492412a85bc10d23e31ad08">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250111"></a><font style="font-weight: bold;">8.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Employer Stock Investment Fund</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">One of the Investment Funds shall be an Employer Stock Investment Fund. The Employer Stock Investment Fund shall be invested in Employer Stock. Each Participant&#8217;s interest in the Employer Stock Investment Fund shall
    be expressed as a number of full and fractional shares of Employer stock.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5fff20be89f4420387f72e0a3958711a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250110"></a><font style="font-weight: bold;">8.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Income on Trust</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Any dividends, interest, distributions, or other income received by the Trustee with respect to any Trust Fund maintained hereunder shall be allocated by the Trustee to the Trust Fund for which the income was
    received.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">51</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z70ed4a81cc684f3d9614bb3ddd4f3fdd">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250109"></a><font style="font-weight: bold;">8.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Accounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">As of the first date a contribution is made by or on behalf of a Covered Employee there shall be established an Account in his name reflecting his interest in the Trust. Each Account shall be maintained and
    administered for each Participant and Beneficiary in accordance with the provisions of the Plan. The balance of each Account shall be the balance of the account after all credits and charges thereto, for and as of such date, have been made as provided
    herein.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, a service provider for the Plan may place amounts intended to reduce its compensation for Plan services into a suspense account held under the Plan.
    The Administrator shall apply amounts held in such account to pay Plan expenses.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z75873f46136448898a56e26c268ba67e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250108"></a><font style="font-weight: bold;">8.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Sub-Accounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s Account shall be divided into such separate, individual Sub-Accounts as are necessary or appropriate to reflect the Participant&#8217;s interest in the Trust.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">52</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE IX</div>
  <div style="text-align: center; font-weight: bold;">LIFE INSURANCE CONTRACTS</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z989074e26a7b4550b6dd8d87508772c9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250107"></a><font style="font-weight: bold;">9.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">No Life Insurance Contracts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin-right: 31.35pt; margin-left: 29pt;">A Participant&#8217;s Account may not be invested in life insurance contracts on the life of the Participant.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">53</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE X</div>
  <div style="text-align: center; font-weight: bold;">DEPOSIT AND INVESTMENT OF CONTRIBUTIONS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3365ad4bddae4c5d8defa222877e9948">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250106"></a><font style="font-weight: bold;">10.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Future Contribution Investment Elections</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Each Eligible Employee shall make an investment election in the manner and form prescribed by the Administrator directing the manner in which the contributions made on his behalf, other than Profit Sharing
    Contributions, Retirement Account Contributions, and Matching Contributions B, shall be invested. An Eligible Employee&#8217;s investment election shall specify the percentage, in the percentage increments prescribed by the Administrator, of such
    contributions that shall be allocated to one or more of the available Investment Funds with the sum of such percentages equaling 100%. The investment election by a Participant shall remain in effect until his entire interest under the Plan is
    distributed or forfeited in accordance with the provisions of the Plan or until he records a change of investment election with the Administrator, in such form as the Administrator shall prescribe. If recorded in accordance with any rules prescribed by
    the Administrator, a Participant&#8217;s change of investment election shall be implemented effective as soon as administratively practicable after it is so recorded.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4612434747ea4c98ba1596bff2f5919e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250105"></a><font style="font-weight: bold;">10.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Deposit of Participant Directed Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">All contributions made on a Participant&#8217;s behalf, other than Profit Sharing Contributions, Retirement Account Contributions, and Matching Contributions B, shall be deposited in the Trust and allocated among the
    Investment Funds including the Employer Stock Investment Fund in accordance with the Participant&#8217;s currently effective investment election. Notwithstanding the foregoing, any contributions made to the Plan in qualifying employer securities shall be
    allocated to the Employer Stock Investment Fund, pending directions to the Administrator regarding their future investment. If no investment election is recorded with the Administrator at the time such contributions are to be deposited to a
    Participant&#8217;s Account, such contributions shall be allocated among the Investment Funds as directed by the Investment Fiduciary.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z88970f13424c4f1d8209175b9bb58930">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250104"></a><font style="font-weight: bold;">10.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Investment and Deposit of Certain Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">All Profit Sharing Contributions, Retirement Account Contributions, and Matching Contributions B made on a Participant&#8217;s behalf shall be deposited in the Trust and allocated to the Employer Stock Investment Fund.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">54</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z746cfc9c857942079134296be0c050ab">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250103"></a><font style="font-weight: bold;">10.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Election to Transfer Between Funds</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant may elect to transfer investments from any Investment Fund (including the Employer Stock Investment Fund) to any other available Investment Fund. The Participant&#8217;s transfer election shall specify a
    percentage, in the percentage increments prescribed by the Administrator, of the amount eligible for transfer that is to be transferred, which percentage may not exceed 100%. Any transfer election must be recorded with the Administrator, in such form
    as the Administrator shall prescribe. Subject to any restrictions pertaining to a particular Investment Fund, if recorded in accordance with any rules prescribed by the Administrator, a Participant&#8217;s transfer election shall be implemented in accordance
    with rules and procedures established by the Administrator.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of this Section to the contrary, the Administrator may prescribe such rules restricting Participants&#8217; transfer elections as it deems necessary or appropriate to preclude excessive
    or abusive trading or market timing.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the Plan permits Directed Investment Accounts and offers a series of target date funds (TDFs) in which participation in some TDFs is restricted to Participants in particular age- bands, then pursuant to Notice
    2014-66 or subsequent guidance, the series of those TDFs can be treated as a single &#8220;other right or feature&#8221; for purposes of Regulation Section 1.401(a)(4)-4, provided that the following conditions are satisfied:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5a902463f7d44e8db8d53f6b168ced9f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Single Integrated Investment Program. </font><font style="font-size: 10pt;">The series of TDFs is designed to serve as a single integrated investment program under
              which the same investment manager manages each TDF and applies the same generally accepted investment theories across the series of TDFs. The only difference among the TDFs is the mix of assets selected by the investment manager, which
              difference results solely from the intent to achieve the level of risk appropriate for the age-band of individuals participating in each TDF. In accordance with the consistent investment strategy used to manage the series of TDFs, the design
              for the series is for the mix of assets in a TDF currently available for older Participants to become available to each younger Participant as the asset mix of each TDF for younger Participants changes to reflect the increasing age of those
              Participants.</font></div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5b4be3381f7f4f44822039a0acb16b4c">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Deferred Annuities. </font><font style="font-size: 10pt;">Some of the TDFs available to participants in older age-bands include deferred annuities, and none of the
              deferred annuities provide a guaranteed lifetime withdrawal benefit (GLWB) or guaranteed minimum withdrawal benefit (GMWB) feature.</font></div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za3e5cb610ff946e0a465f3178fb162a9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.85pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top; text-align: justify;">
          <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Readily Tradable Employer Securities. </font><font style="font-size: 10pt;">If the TDFs hold &#8220;employer securities&#8221; as described in ERISA Section 407(d)(1), those
              employer securities must be readily tradable on an established securities market.</font></div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd0b6fda723d6489d895f8ecf82b5220f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Same Rights or Features. </font><font style="font-size: 10pt;">Each TDF in the series is treated in the same manner with respect to rights or features other than
              the mix of assets. The fees and administrative expenses for each TDF are determined in a consistent manner, and the extent to which those fees and expenses are paid from Plan assets (rather than by the Employer) is the same.</font></div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">55</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zbbde8fa4a849416b9ad89dbb9ddf1964">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250102"></a><font style="font-weight: bold;">10.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">404(c) Protection</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Plan is intended to constitute a plan described in ERISA Section 404(c) and regulations issued thereunder. The fiduciaries of the Plan may be relieved of liability for any losses that are the direct and
    necessary result of investment instructions given by a Participant, his Beneficiary, or an alternate payee under a qualified domestic relations order.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z12e73320ba6b4f418dbd0934ff5c8c73">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250101"></a><font style="font-weight: bold;">10.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Diversification of Employer Stock</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The provisions of this Section shall apply if the Plan provides for investment in Employer Stock and such Employer Stock is publicly traded or treated as publicly traded under Code Section 401(a)(35). Employer Stock
    that is not publicly-traded shall be treated as publicly-traded securities if the Employer or any member of its controlled group (determined as provided in Code Section 414(b), but substituting 50% for 80%) has issued publicly-traded securities, unless
    neither the Employer nor its parent company has issued either (i) publicly-traded securities or (ii) a special class of stock that grants particular rights to or bears particular risks for the holder or issuer with respect to any member of the
    controlled group.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant whose Account is invested, in whole or in part, in the Employer Stock Investment Fund shall be permitted to divest such investments and
    re-invest an equivalent amount in other Investment Funds provided under the Plan. The Plan may limit the time for such divestment and re-investment to periodic, reasonable opportunities occurring no less frequently than quarterly. This paragraph shall
    also apply to an alternate payee who has an Account under the Plan and the Beneficiary of a deceased Participant.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Plan shall offer at least 3 Investment Fund options (other than employer securities) as alternatives to the Employer Stock Investment Fund. Each such alternative Investment Fund shall be diversified and shall
    have materially different risk and return characteristics.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Except as otherwise specifically provided below, the Plan shall not be treated as meeting the requirements of this Section if the Plan imposes any restrictions or conditions on investment in the Employer Stock
    Investment Fund, either directly or indirectly, that do not also apply to investment in the other Investment Funds. A prohibited restriction or condition means:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf2abab752d84481ab3d7cf1f2f5389ac">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>conditioning a benefit on investment in the Employer Stock Investment Fund or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z864b8c50482e4751b2f69ce071f573a8">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>restricting a Participant&#8217;s right to divest his investment in the Employer Stock Investment Fund if such restriction does not also apply to the Participant&#8217;s right to divest his investment in any other Investment Fund</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">56</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Examples of prohibited restrictions and conditions include, but are not limited to, provisions that:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6dfbe4e9917a4012968dc08e4f32c101">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>permit a Participant to divest investments in the Employer Stock Investment Fund on a less frequent basis than the Participant may divest his investments in any other Investment Fund (e.g., quarterly divestment from the Employer Stock
            Investment Fund, but daily divestment from other Investment Funds);</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8efd0db3611c4aee8b5c6641e9b10a55">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>treat a Participant who divests his investment in the Employer Stock Investment Fund less favorably than a Participant who retains such investment (e.g., the Plan provides a higher match rate for Participants who invest in the Employer Stock
            Investment Fund); and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8513e693741f4ef6a375f200c912e871">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>preclude a Participant who divests his investment in the Employer Stock Investment Fund from re-investing in the Employer Stock Investment Fund for a specified period of time.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the following restrictions or conditions may be imposed under the Plan:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zba853322dcd541f28b48f47e82a8091a">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan may limit the extent to which a Participant&#8217;s Account may be invested in the Employer Stock Investment Fund, provided such limit applies without regard to a Participant&#8217;s prior exercise of rights to divest investment in the Employer
            Stock Investment Fund.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc05a76b035d14d23a758ca6721d9fe5c">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan may impose reasonable restrictions on the timing and number of investment elections a Participant may make with respect to the Employer Stock Investment Fund, provided the restrictions are designed to limit short-term trading in
            Employer Stock.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z350a5860aa5c42eaad0a906b875156e3">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan will not be considered to condition a benefit on investment in the Employer Stock Investment Fund if it imposes fees on other Investment Funds that are not imposed on the Employer Stock Investment Fund.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z99c12885e98d4bb8b5264044c5a38a42">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top; text-align: justify;">
          <div>The Plan will not be considered to have impermissibly restricted diversification of investments in the Employer Stock Investment Fund if it imposes a reasonable fee for the divestment of Employer Stock.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z42df8f337ecb4908862a61a1014ac248">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan may allow transfers into or out of a stable value or similar Investment Fund more frequently than it allows transfers into or out of the Employer Stock Investment Fund. A stable value of similar Investment Fund means an Investment
            Fund designed to preserve principal and provide a reasonable rate of return, while providing liquidity.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">57</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2d724903b71c46e9b495d8b3a1fa1ad3">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan may allow transfers out of a qualified default investment option, within the meaning of Department of Labor Regulations Section 2550.404c-5(e), more frequently than it allows transfers out of the Employer Stock Investment Fund.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0020911c874740f1bb815bbc9186f9e3">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Plan may treat the Employer Stock Investment Fund as a closed Investment Fund in which no future contributions are invested and to which no other amounts may be transferred. (The Plan may provide for dividends paid on Employer Stock held
            under the Plan to be re-invested in the Employer Stock Investment Fund without violating this requirement).</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the Plan may impose a restriction or condition on the divestiture of Employer Stock that is either required in order to ensure compliance with applicable securities laws or is
    reasonably designed to ensure compliance with applicable securities laws.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, in accordance with regulations issued under Code Section 401(a)(35), this Section 10.6 shall not apply to employer securities held indirectly as part of a broader Investment Fund (such
    as a regulated investment company described in Code Section 851(a), a common or collective trust fund or pooled investment fund maintained by a bank or trust company, or a pooled fund of an insurance company).</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0a915b937e3a4ae8bc18e2459ce4fc12">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250100"></a><font style="font-weight: bold;">10.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Voting and Tendering Employer Stock</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z91bd37ea53bf477ca805aa9b5e50d5bd">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Sponsor or its designee shall furnish to each Participant who has shares of Employer Stock credited to his Account (whether or not vested) notice of the date and purpose of each meeting of stockholders of the issuer of Employer Stock at
            which Employer Stock is entitled to be voted, and a voting instruction form to be returned to the Sponsor&#8217;s designated tabulator (&#8220;Tabulator&#8221;). If a Participant furnishes such instructions to the Tabulator within the time specified in the
            notification, the Tabulator shall direct the Trustee to vote the shares of Employer Stock credited to the Participant&#8217;s Account in accordance with the Participant&#8217;s instructions. The Trustee shall vote all such shares of Employer Stock as
            directed by the Tabulator. With respect to shares of Employer Stock credited to Participant Accounts as to which the Tabulator does not receive timely voting instructions and shares of Employer Stock held by the Plan but not credited to a
            Participant&#8217;s Account, the Trustee shall vote all such shares in the same proportion as were voted the shares of Employer Stock credited to Participant Accounts as to which Participants provided timely instructions.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">58</font></div>
    <div class="BRPFPageBreak" style="page-break-after: always;">
      <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zef74f1556195450db99b45d7b569af2b">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Sponsor or its designee shall furnish to each Participant who has shares of Employer Stock credited to his Account (whether or not vested) notice of any tender or exchange offer for Employer Stock. The Sponsor or its designee shall
            request from each such Participant instructions (to be returned to the Tabulator) as to the tendering or exchanging of the shares of Employer Stock credited to the Participant&#8217;s Account and shall provide each Participant with a reasonable
            period of time in which he may consider any such tender or exchange offer for Employer Stock. The Tabulator shall direct the Trustee to tender or exchange the shares of Employer Stock credited to any Participant&#8217;s Account as to which the
            Tabulator has received timely instructions to tender or exchange from the Participant. The Trustee shall tender or exchange all such shares of Employer Stock as directed by the Tabulator. Shares of Employer Stock credited to Participant
            Accounts as to which the Tabulator has not received timely instructions (or has received instructions not to tender) shall not be tendered or exchanged. Shares of Employer Stock held by the Plan but not credited to a Participant&#8217;s Account shall
            be tendered or exchanged by the Trustee in the same proportion as were tendered or exchanged the shares of Employer Stock credited to Participant Accounts as to which Participants provided timely instructions.</div>
        </td>
      </tr>

  </table>
  <br>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z71cbee8dd3d4431d96ec54d3f3610973">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Participant voting and tender or exchange instructions shall be held in confidence by the Trustee.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0ae417edf998437e8e69cf495225a8b5">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; font-weight: bold;">10.8</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Special Restrictions to Comply with Section 16 and Employer&#8217;s Insider Trading Policy</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding anything in this Plan to the contrary, the Administrator may establish rules restricting the Plan transactions of directors, officers, and Employees of an Employer or a Related Employer to the extent
    the Administrator deems necessary or appropriate to comply with Section 16 of the Securities Exchange Act of 1934 and the regulations thereunder or to comply with an Employer&#8217;s Insider Trading Policy as from time to time in effect.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">59</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE XI</div>
  <div style="text-align: center; font-weight: bold;">CREDITING AND VALUING ACCOUNTS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9aac72b4dcf8410ea08888a33a2c9f11">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250099"></a><font style="font-weight: bold;">11.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Crediting Accounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">All contributions made under the provisions of the Plan shall be credited to Accounts in the Trust Funds by the Trustee, in accordance with procedures established in writing by the Investment Fiduciary, either when
    received or on the succeeding Valuation Date after valuation of the Trust Fund has been completed for such Valuation Date as provided in Section 11.2, as shall be determined by the Investment Fiduciary.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf905e6c3e3fa4778bc05271cb95c68a7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250098"></a><font style="font-weight: bold;">11.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Valuing Accounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Accounts in the Trust Funds shall be valued by the Trustee on the Valuation Date in the manner adopted by the Trustee and approved by the Investment Fiduciary.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7d0680533cbe4e2286164919a74013c9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250097"></a><font style="font-weight: bold;">11.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Unit Accounting Permitted</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Investment Fiduciary may, for administrative purposes, establish unit values for one or more Investment Funds (or any portion thereof) and maintain the accounts setting forth each Participant&#8217;s interest in any
    such Investment Fund (or any portion thereof) in terms of such units, all in accordance with such rules and procedures as the Investment Fiduciary shall deem to be fair, equitable, and administratively practicable. In the event that unit accounting is
    thus established for an Investment Fund (or any portion thereof), the value of a Participant&#8217;s interest in that Investment Fund (or any portion thereof) at any time shall be an amount equal to the then value of a unit in such Investment Fund (or any
    portion thereof) multiplied by the number of units then credited to the Participant.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z25dda324d7314f8e948d5bd20563e347">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250096"></a><font style="font-weight: bold;">11.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Finality of Determinations</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Trustee shall have exclusive responsibility for determining the value of each Account maintained hereunder. The Trustee&#8217;s determinations thereof shall be conclusive upon all interested parties.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2c658c040b5e4e89b9a09b0fdf95b7d9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250095"></a><font style="font-weight: bold;">11.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Notification</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Within a reasonable period of time after the end of each Plan Year quarter, the Investment Fiduciary shall notify each Participant and Beneficiary of the value of his Account and Sub-Accounts as of a Valuation Date
    during the Plan Year quarter.</div>
  <div style="margin-right: 51.85pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">60</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250094"></a>ARTICLE XII </div>
  <div style="text-align: center; font-weight: bold;">LOANS</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zabc9adca3dcb4ddb999db9d3fa6df94f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250093"></a><font style="font-weight: bold;">12.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Application for Loan</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant who is a party in interest as defined in ERISA Section 3(14) may make application to the Administrator for a loan from his Account. Notwithstanding the foregoing, a Participant may not receive a loan
    from the following:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze9c6aaa2738041c2a9963bc37cb1eca4">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>the portion of his Account attributable to his Profit Sharing Contributions and Retirement Account Contributions. Such amounts shall also be excluded in determining the maximum amount of any loan that may be made to the Participant in
            accordance with the provisions of Section 12.4.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Loans shall be made to Participants in accordance with written guidelines which are hereby incorporated into and made a part of the Plan. To the extent that such written guidelines comply with the requirements of
    Code Section 72(p), but are inconsistent with the provisions of this Article, such written guidelines shall be given effect.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z19a2b7185e474e25bdc149440ae1779d">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250092"></a><font style="font-weight: bold;">12.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Collateral for Loan</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">As collateral for any loan granted hereunder, the Participant shall grant to the Plan a security interest in his vested interest under the Plan equal to the amount of the loan; provided, however, that in no event
    may the security interest exceed 50% of the Participant&#8217;s vested interest under the Plan determined as of the date as of which the loan is originated in accordance with Plan provisions. That portion of a Participant&#8217;s Account that is not available for
    loan and is excluded in determining the maximum amount of a loan in accordance with Section 12.1 shall also be excluded in determining the amount of the Plan&#8217;s security interest. In the case of a Participant who is an active employee, the Participant
    also shall enter into an agreement to repay the loan by payroll withholding. In the case of a Participant who has terminated employment, the Participant may elect, in accordance with rules prescribed by the Administrator, to continue to make loan
    payments on a loan taken before his termination of employment by personal check or other means acceptable to the Administrator.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">No loan in excess of 50% of the Participant&#8217;s vested interest under the Plan, including only that portion of the Participant&#8217;s Account that is available for loan and included in determining the maximum amount of a
    loan in accordance with Section 12.1, shall be made from the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">Loans shall not be made available to Highly Compensated Employees in an amount greater than the amount made available to other employees.</div>
  <div style="margin-right: 49.1pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">61</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">A loan shall not be granted unless the Participant consents to the charging of his Account for unpaid principal and interest amounts in the event the loan is declared to be in default.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5126ddcc69f648b796fbdfe8aa0fcdcf">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250091"></a><font style="font-weight: bold;">12.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Reduction of Account Upon Distribution</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan, the amount of a Participant&#8217;s Account that is distributable to the Participant or his Beneficiary under Article XIII or XV shall be reduced by the portion of his
    vested interest that is held by the Plan as security for any loan outstanding to the Participant, provided that the reduction is used to repay the loan. If distribution is made because of the Participant&#8217;s death prior to the commencement of
    distribution of his Account and the Participant&#8217;s vested interest in his Account is payable to more than one individual as Beneficiary, then the balance of the Participant&#8217;s vested interest in his Account shall be adjusted by reducing the vested
    account balance by the amount of the security used to repay the loan, as provided in the preceding sentence, prior to determining the amount of the benefit payable to each such individual.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf00a4f59ccbf4d7f93046f9d73eeeb59">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250090"></a><font style="font-weight: bold;">12.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Legal Requirements Applicable to Plan Loans</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the following terms and conditions shall apply to any loan made to a Participant under this Article:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4bf5ea9d422440b1ade3d1b772cc4f9f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The amount of any loan to a Participant (when added to the outstanding balance of all other loans to the Participant from the Plan or any other plan maintained by an Employer or a Related Employer) shall not exceed the lesser of:</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z90ee765f2b4d4240b6069c21d585718e">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(i)</td>
        <td style="width: auto; vertical-align: top;">
          <div>$50,000, reduced by the excess, if any, of the highest outstanding balance of any other loan to the Participant from the Plan or any other plan maintained by an Employer or a Related Employer during the preceding 12-month period over the
            outstanding balance of such loans on the date a loan is made hereunder; or</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6f8dbc3183db4262b32c8a1075d4122e">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(ii)</td>
        <td style="width: auto; vertical-align: top;">
          <div>50% of the vested portions of the Participant&#8217;s Account, excluding the portions attributable to Profit Sharing Contributions and Retirement Account Contributions and his vested interest under all other plans maintained by an Employer or a
            Related Employer.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zcbd2056196f74092ba0f13ac496521f3">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The term of any loan to a Participant shall be no greater than 5 years, except in the case of a loan used to acquire any dwelling unit which within a reasonable period of time is to be used (determined at the time the loan is made) as a
            principal residence (as defined under Code Section 121) of the Participant.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc8c5e5b1af8d4eaf8bdea656530151ac">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>
            <div>Substantially level amortization shall be required over the term of the loan with payments made not less frequently than quarterly. Notwithstanding the foregoing, if so provided in the written guidelines applicable to Plan loans, the
              amortization schedule may be waived and payments suspended while a Participant is on a leave of absence from employment with an Employer or any Related Employer (for periods in which the Participant does not perform military service as
              described in paragraph (d) below), provided that all of the following requirements are met:</div>
          </div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">62</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc7377ef246d4429f9bc95e4b75eb74e4">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(i)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Such leave is either without pay or at a reduced rate of pay that, after withholding for employment and income taxes, is less than the amount required to be paid under the amortization schedule;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z19e89630b9734a0a8d3883739fb8e04f">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(ii)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Payments resume after the earlier of (a) the date such leave of absence ends or (b) the one-year anniversary of the date such leave began;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zdbdca49916f84da0bf4cc155f8ca751c">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(iii)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The period during which payments are suspended does not exceed one year;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8389d8b109fa4c7697e1513aa422d3bf">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(iv)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Payments resume in an amount not less than the amount required under the original amortization schedule; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z199573d64e0e4cd891319158155d41c8">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(v)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The waiver of the amortization schedule does not extend the period of the loan beyond the maximum period permitted under this Article.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb4486c850b4442efa4da8f43a91e351a">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>If a Participant is absent from employment with any Employer or any Related Employer for a period during which he performs services in the uniformed services (as defined in chapter 45 of title 38 of the United States Code), whether or not
            such services constitute qualified military service, the suspension of payments shall not be taken into account for purposes of applying either paragraph (b) or paragraph (c) of this Section provided that all of the following requirements are
            met:</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc3de19a74d464466a9accf9a0acf9adf">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(i)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Payments resume upon completion of such military service;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd77909353b0547e0805205ea3add2a56">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(ii)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Payments resume in an amount not less than the amount required under the original amortization schedule and continue in such amount until the loan is repaid in full;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4e0576f87d0b4fa0880ed2505a07a9a7">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(iii)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Upon resumption, payments are made no less frequently than required under the original amortization schedule and continue under such schedule until the loan is repaid in full; and</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zff97e9e087ca411e95a0888939c68995">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(iv)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The loan is repaid in full, including interest accrued during the period of such military service, no later than the maximum period otherwise permitted under this Article extended by the period of such military service.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd9888eda050b4a4ebdf5a50624eb26e7">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The loan shall be evidenced by a legally enforceable agreement that demonstrates compliance with the provisions of this Section.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">63</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfc4d128ceda54eb5b0a1b5427ea32dc4">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(f)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Subject to the requirements of the Servicemembers Civil Relief Act, the interest rate on any loan to a Participant shall be a reasonable interest rate commensurate with current interest rates charged for loans made under similar
            circumstances by persons in the business of lending money.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8e7036ba85ee4dd8916c134311796824">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250089"></a><font style="font-weight: bold;">12.5</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Administration of Loan Investment Fund</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Upon approval of a loan to a Participant, the Administrator shall direct the Trustee to transfer an amount equal to the loan amount from the Investment Funds in which it is invested, as directed by the
    Administrator, to the loan Investment Fund established in the Participant&#8217;s name. Any loan approved by the Administrator shall be made to the Participant out of the Participant&#8217;s loan Investment Fund. All principal and interest paid by the Participant
    on a loan made under this Article shall be deposited to his Account and shall be allocated upon receipt among the Investment Funds in accordance with the Participant&#8217;s currently effective investment election. The balance of the Participant&#8217;s loan
    Investment Fund shall be decreased by the amount of principal payments and the loan Investment Fund shall be terminated when the loan has been repaid in full.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd7ed57866e564b5fbc34c189baa7629a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250088"></a><font style="font-weight: bold;">12.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Default</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If either (i) a Participant fails to make or cause to be made, any payment required under the terms of the loan within 90 days following the date on which such payment shall become due, unless payment is not made
    because the Participant is on a leave of absence and the amortization schedule is waived as provided in paragraph (c) or (d) of Section 12.4, or (ii) there is an outstanding principal balance existing on a loan after the last scheduled repayment date
    (extended as provided in Section 12.4(d), if applicable), the Administrator shall direct the Trustee to declare the loan to be in default, and the entire unpaid balance of such loan, together with accrued interest, shall be immediately due and payable.
    In any such event, if such balance and interest thereon is not then paid, the Trustee shall charge the Account of the borrower with the amount of such balance and interest as of the earliest date a distribution may be made from the Plan to the borrower
    without adversely affecting the tax qualification of the Plan or of the cash or deferred arrangement.</div>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, on a uniform and nondiscriminatory basis, the Administrator, in its discretion, may elect not to declare a Plan loan to be in default until the end of the calendar quarter following
    the calendar quarter in which the missed payment was due.</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In the event a Participant defaults on a Plan loan, for a period of up to 12 months from the date of default the Administrator may, in its discretion:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z69d90c021ff54ee2a515c59f0f579598">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>restrict the Participant&#8217;s in-service withdrawals pursuant to Article XIII;</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zda7a5e2b8c154ed3863a4083284940a8">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>restrict loans from the Participant&#8217;s Account; or</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">64</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z57715bb9a60d4ddbb4b169a1d29f9407">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>prohibit the Participant from making 401(k) Contributions to the Plan.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z92950a142e5f40afa0da7fa9828e0fc4">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250087"></a><font style="font-weight: bold;">12.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Deemed Distribution Under Code Section 72(p)</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant&#8217;s loan is in default as provided in Section 12.6, the Participant shall be deemed to have received a taxable distribution in the amount of the outstanding loan balance as required under Code Section
    72(p), whether or not distribution may actually be made from the Plan without adversely affecting the tax qualification of the Plan.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant is deemed to have received distribution of an outstanding loan balance hereunder, no further loans may be made to such Participant from his Account unless such loan has been repaid or offset against
    the Participant&#8217;s Account balance.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z184285c3bad84090af8f52978f874dca">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; font-weight: bold;">12.8</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Treatment of Outstanding Balance of Loan Deemed Distributed Under Code Section 72(p)</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The balance of any loan that is deemed to have been distributed to a Participant hereunder shall cease to be an outstanding loan for purposes of Code Section 72(p) and a Participant shall not be treated as having
    received a taxable distribution when his Account is offset by such outstanding loan balance as provided in Section 12.6. Any interest that accrues on a loan after it is deemed to have been distributed shall not be treated as an additional loan to the
    Participant and shall not be included in the Participant&#8217;s taxable income as a deemed distribution. Notwithstanding the foregoing, however, unless a Participant repays such loan, with interest, the amount of such loan, with interest thereon calculated
    as provided in the original loan note, shall continue to be considered an outstanding loan for purposes of determining the maximum permissible amount of any subsequent loan under Section 12.4(a).</div>
  <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant elects to make payments on a loan after it is deemed to have been distributed hereunder, such payments shall be treated as &#8220;employee contributions&#8221;, as defined in Section 7.1, to the Plan solely for
    purposes of determining the taxable portion of the Participant&#8217;s Account and shall not be treated as &#8220;employee contributions&#8221; for any other Plan purpose, including application of the limitations on contributions applicable under Code Sections 401(m)
    and 415.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">The provisions of this Section regarding treatment of loans that are deemed distributed shall not apply to loans made prior to January 1, 2002, except to the extent provided under the transition rules in Q &amp; A
    22(c)(2) of Section 1.72(p)-l of the Treasury Regulations.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z93d15c0477d84fd3a1cac2b7023d46eb">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250086"></a><font style="font-weight: bold;">12.9</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Special Rules Applicable to Loans</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Any loan made hereunder shall be subject to the following rules:</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">65</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z402a63dc861244f6837e1afd5c7ac8df">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Minimum Loan Amount: A Participant may not request a loan for less than $1,000.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z394292a7a9124bdcaf59e564d2f44cfc">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Maximum Number of Outstanding Loans: A Participant with an outstanding loan may not apply for another loan until the existing loan is paid in full and may not refinance an existing loan or obtain a second loan for the purpose of paying off
            the existing loan. The provisions of this paragraph shall not apply to any loans made prior to the effective date of this amendment and restatement or made under the provisions of a prior plan before the date such plan was merged into the Plan;
            provided, however, that any such loan shall be taken into account in determining whether a Participant may apply for a new loan hereunder.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2107f9363ad644178492c4b704811e40">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Maximum Period for Principal Residence Loan: The term of any loan to a Participant that is used to acquire any dwelling unit which within a reasonable period of time is to be used (determined at the time the loan is made) as a principal
            residence (as defined under Code Section 121) of the Participant shall be no greater than 10 years.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z030bb5d333f640fc9de524f446b9ae49">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Pre-Payment Without Penalty: A Participant may pre-pay the full outstanding balance of any loan hereunder prior to the date it is due without penalty.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb1c54f250f294f6bb273705f73f8c111">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Wait Period: Notwithstanding any other provision of this Article to the contrary, a Participant who pays off an existing Plan loan may not apply for another Plan loan during the 7-day period following the payoff date of the prior Plan loan.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z79d12e066dad4f52a4b3aaf4483a6c24">

      <tr>
        <td style="width: 29pt;">&#160;</td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250085"></a><font style="font-weight: bold;">12.10</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Prior Loans</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of this Article to the contrary, any loan made under the provisions of the Plan as in effect prior to this amendment and restatement or made under the provisions of a prior plan
    before the date such plan was merged into the Plan shall be administered in accordance with the provisions of the note reflecting such loan and shall remain outstanding until repaid in accordance with its terms.</div>
  <div style="margin-right: 49.1pt; margin-left: 29pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">66</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250084"></a>ARTICLE XIII </div>
  <div style="text-align: center; font-weight: bold;">WITHDRAWALS WHILE EMPLOYED</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb34ceb2e9eaa4d88a470fcd2005415c2">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250083"></a><font style="font-weight: bold;">13.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Non-Hardship Withdrawals of Rollover Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant who is employed by an Employer or a Related Employer and who has attained age 59 1/2 may elect, subject to the limitations and conditions prescribed in this Article, to make a withdrawal from his
    Rollover Contributions Sub-Account. No forfeiture of Employer contributions (including any minimum contributions made in a top-heavy plan) will occur solely as a result of a Participant&#8217;s withdrawal of any Rollover Contributions.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6755525ccbff405d90ebd3633346d466">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250082"></a><font style="font-weight: bold;">13.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Non-Hardship Withdrawals of Restricted Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant who is employed by an Employer or a Related Employer and who has attained age 59 1/2 may elect, subject to the limitations and conditions prescribed in this Article, to make a withdrawal from his
    vested interest in any of the following Sub- Accounts:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd0755cda96ba43ddadf7616c1d6df4ed">

      <tr>
        <td style="width: 42.5pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his 401(k) Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zb9d5d63a8db94d8380f4e50c4018e2ae">

      <tr>
        <td style="width: 42.5pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his Special Annual Company Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z923fa76c22644d83867702a10db036ab">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250081"></a><font style="font-weight: bold;">13.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Non-Hardship Withdrawals of Matching Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant who is employed by an Employer or a Related Employer may elect, subject to the limitations and conditions prescribed in this Article, to make a cash withdrawal of vested amounts held in his Matching
    Contributions Sub-Account if any of the following requirements are met:</div>
  <div><br>
  </div>
  <div style="margin-left: 29pt;">(a)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;He has attained age 59 1/2.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9258b4044ae542f9837503bc8bfe0d2b">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250080"></a><font style="font-weight: bold;">13.4</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Qualified Reservists Withdrawals of 401(k) Contributions</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant who is a member of a reserve component (as defined in Section 101 of Title 37 of the United States Code) who is ordered or called to
    active duty for a period in excess of 179 days, or for an indefinite period, may elect to receive a cash withdrawal of all or any portion of his 401(k) Contributions Sub-Account. Any distribution made to a Participant pursuant to this Section must be
    made during the period beginning on the date of his order or call to active duty and ending on the close of his active duty period. Distribution to an individual who meets the definition of a qualified reservist distribution will be treated as a
    qualified reservist distribution even if the distribution would also have been permitted as a result of a deemed severance from employment under Code Section 414(u)(12)(B). Therefore, the 6-month suspension of 401(k) and employee contributions
    otherwise applicable will not apply.</div>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">67</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5ddead9519774daa900acb6996273cbb">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top; font-weight: bold;">13.5</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Withdrawal Upon Deemed Severance from Employment Due to Qualified Military Service</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant who is absent from employment because of service with the uniformed services (as described in United States Code, Title 38, Chapter 43)
    for more than 30 days shall be treated as if he had incurred a severance from employment for purposes of receiving a distribution under Code Section 401(k)(2)(B)(i)(I). A Participant who is deemed to have incurred a severance from employment hereunder
    may elect to receive a cash withdrawal from his vested interest in any of the following Sub-Accounts:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4b72869724c04e05a5d5a5c08c4508ad">

      <tr>
        <td style="width: 46.95pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his 401(k) Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If a Participant receives distribution in accordance with the provisions of this Section and would not otherwise be entitled to receive distribution under the terms of the Plan other than this Section, his 401(k)
    Contributions and the Participant&#8217;s &#8220;elective contributions&#8221; and &#8220;employee contributions&#8221;, as defined in Section 7.1, under all other qualified and non-qualified deferred compensation plans maintained by an Employer or any Related Employer shall be
    suspended for at least 6 months after his receipt of the withdrawal. However, if the distribution is also a &#8220;qualified reservist distribution&#8221;, the suspension shall not apply.</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of this Section, a &#8220;qualified reservist distribution&#8221; means a distribution to a reservist or national guardsman who is ordered or called to active duty after September 11, 2001, either (1) for an
    indefinite period or (2) for a period longer than 179 days, provided such distribution is made during the period beginning on the date the Participant is ordered or called to active duty and ending on the date the Participant&#8217;s active duty period
    closes.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z658a200b34c9472cb26ef68c319acd02">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250079"></a><font style="font-weight: bold;">13.6</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Overall Limitations on Non-Hardship Withdrawals</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Non-hardship withdrawals made pursuant to this Article shall be subject to the following conditions and limitations:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zaba677a0d7444be88b35127a3cd9794e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A Participant must apply for a non-hardship withdrawal such number of days prior to the date as of which it is to be effective as the Administrator may prescribe.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z36d53481c8fc4bc29eab449fdee213a4">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Non-hardship withdrawals may be made effective as soon as administratively practicable after the Administrator&#8217;s approval of the Participant&#8217;s withdrawal application.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">68</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0b3d8ee861454714a0cd4f0f1661842a">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A Participant may not make more than 2 non-hardship withdrawals in accordance with the provisions of this Article during the Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z557efec16e7647739e8f59b95a64d5d5">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Non-hardship withdrawals shall not be permitted from a Participant&#8217;s Profit Sharing Contributions or Retirement Account Contributions Sub-Accounts.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2a6ec317e72e4ecd9aac44233447173f">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250078"></a><font style="font-weight: bold;">13.7</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Hardship Withdrawals</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant who is employed by an Employer or a Related Employer and who is determined by the Administrator to have incurred a hardship in accordance with the provisions of this Article may elect, subject to the
    limitations and conditions prescribed in this Article, to make a cash withdrawal from his vested interest in any of the following Sub-Accounts:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7e53c8cbf47d4771b4f710f5b559ccde">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his 401(k) Contributions Sub-Account, excluding any income credited to such Sub-Account after December 31, 1988.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="za05e527e37e84ee18e433df468691307">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his Rollover Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze46ad00f0c9e47c892916ab51ac94e11">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>his Matching Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2ac96d20031a45f7ba093da10cca782b">

      <tr>
        <td style="width: 47pt;"><br>
        </td>
        <td style="width: 18pt; vertical-align: top;">&#8226;</td>
        <td style="width: auto; vertical-align: top;">
          <div>that portion, if any, of his Special Annual Company Contributions Sub Account credited to such Sub Account as of December 31, 1988.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z90a988d395fd4075a8ff5ecd81a684f7">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250077"></a><font style="font-weight: bold;">13.8</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Hardship Determination</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">The Administrator shall grant a hardship withdrawal only if it determines that the withdrawal is necessary to meet an immediate and heavy financial need of the Participant. An immediate and heavy financial need of
    the Participant means a financial need on account of:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7ffc1812a1c146659e70c614fc9fd798">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>expenses previously incurred by or necessary to obtain for the Participant, the Participant&#8217;s Spouse, or any dependent of the Participant (as defined in Code Section 152, without regard to subsections (b)(1), (b)(2), and (d)(1)(B) thereof)
            medical care deductible under Code Section 213(d), determined without regard to whether the expenses exceed any applicable income limit.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z689168ecfb8744b99b38a15a0e102d8c">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>costs directly related to the purchase (excluding mortgage payments) of a principal residence for the Participant.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zac27c7a1dd464bc1b76e9055a22e3952">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>payment of tuition, related educational fees, and room and board expenses for the next 12 months of post-secondary education for the Participant, or the Participant&#8217;s Spouse, child or other dependent (as defined in Code Section 152, without
            regard to subsections (b)(1), (b)(2) and (d)(1)(B) thereof).</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">69</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zba94661264cb4a7a82b4d52c2d3c09a8">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>payments necessary to prevent the eviction of the Participant from his principal residence or foreclosure on the mortgage on the Participant&#8217;s principal residence.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4f5659c2338542ba8bc9302481721e7d">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>payment of funeral or burial expenses for the Participant&#8217;s deceased parent, Spouse, child or dependent (as defined in Code Section 152, without regard to subsections (b)(1), (b)(2) and (d)(1)(B) thereof).</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z60623b3769854cceaee47fdd61e5865c">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(f)</td>
        <td style="width: auto; vertical-align: top;">
          <div>expenses for the repair of damage to the Participant&#8217;s principal residence that would qualify for a casualty loss deduction under Code Section 165 (determined without regard to whether the loss exceeds any applicable income limit).</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">In addition, the Administrator shall grant a hardship withdrawal if it determines that the withdrawal is necessary to meet an immediate and heavy financial need of the Participant&#8217;s primary Beneficiary under the
    Plan. A Participant&#8217;s primary Beneficiary is any individual named as the Participant&#8217;s Beneficiary under the Plan who has an unconditional right to all or a portion of the Participant&#8217;s Account upon the death of the Participant. An immediate and heavy
    financial need of a Participant&#8217;s primary Beneficiary means a financial need on account of:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd63f9869d62b4622b5ada8d4224d7857">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(g)</td>
        <td style="width: auto; vertical-align: top;">
          <div>expenses previously incurred by or necessary to obtain for the primary Beneficiary medical care deductible under Code Section 213(d), determined without regard to whether the expenses exceed any applicable income limit.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf709b9b1d3824b4bba2ec01360e95f46">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(h)</td>
        <td style="width: auto; vertical-align: top;">
          <div>payment of tuition, related educational fees, and room and board expenses for the next 12 months of post-secondary education for the primary Beneficiary.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9c022879450a44f1a377a138f4c42d04">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(i)</td>
        <td style="width: auto; vertical-align: top;">
          <div>payment of funeral or burial expenses for the primary Beneficiary.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5017e2bbff1b421ca4b340065c8fa94b">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">13.9</td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Satisfaction of Necessity Requirement for Hardship Withdrawals</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A withdrawal shall be deemed to be necessary to satisfy an immediate and heavy financial need of a Participant only if the withdrawal is not in excess of the amount of the immediate and heavy financial need of the
    Participant and the Participant satisfies all of the following requirements:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z2e06f33049bf467681b6e4d303ede359">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The withdrawal is not in excess of the amount of the immediate and heavy financial need of the Participant, including amounts necessary to pay any federal, state, or local income taxes or penalties reasonably anticipated to result from the
            withdrawal.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z7e0250904de942a68d258d97aa3ac46e">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Participant has obtained all distributions, other than hardship distributions, and all non-taxable (at the time of the loan) loans currently available under all plans maintained by an Employer or any Related Employer.</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">70</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zfc41c6be13294430a1c7510db210ebe6">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The Participant&#8217;s 401(k) Contributions and the Participant&#8217;s &#8220;elective contributions&#8221; and &#8220;employee contributions&#8221;, as defined in Section 7.1, under all other qualified and non-qualified deferred compensation plans maintained by an Employer
            or any Related Employer shall be suspended for 6 months after his receipt of the withdrawal.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant shall not fail to be treated as an Eligible Employee for purposes of applying the limitations contained in Article VII of the Plan merely because his 401(k) Contributions are suspended in accordance
    with this Section.</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zd61079a9f96142d1bf88d152db41b2e0">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250076"></a><font style="font-weight: bold;">13.10</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Conditions and Limitations on Hardship Withdrawals</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Hardship withdrawals made pursuant to this Article shall be subject to the following conditions and limitations:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zba33868f81bf440b81b9bab392e61215">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A Participant must apply for a hardship withdrawal such number of days prior to the date as of which it is to be effective as the Administrator may prescribe.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z9a72bc3195ad46e88582cef4cc989407">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Hardship withdrawals may be made effective as soon as administratively practicable after the Administrator&#8217;s approval of the Participant&#8217;s withdrawal application.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zc85689bbd31c4bee86eef31e7ef1a36b">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>The amount of a hardship withdrawal may include any amounts necessary to pay any Federal, state, or local income taxes or penalties reasonably anticipated to result from the distribution.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z4c8f5fb7f0e94a7ca1b88bd4a3b36668">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>A Participant may not make more than 2 hardship withdrawals in accordance with the provisions of this Article during the Plan Year.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z0181a2a7716a4ac39ab24e03616d33ce">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>Hardship withdrawals shall not be permitted from a Participant&#8217;s Profit Sharing Contributions or Retirement Account Contributions Sub-Accounts.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z5ac7e4aac70b453c8ea6718838124a52">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250075"></a><font style="font-weight: bold;">13.11</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Order of Withdrawal from a Participant&#8217;s Sub-Accounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">Distribution of any withdrawal pursuant to this Article XIII shall be made from a Participant&#8217;s Sub-Accounts, to the extent necessary, in the following order:</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zadbd83d5f16c4aa2b9eab3bdea20a0c9">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(a)</td>
        <td style="width: auto; vertical-align: top;">
          <div>his Rollover Contributions Sub-Account;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z565c554ebe134355a9b438e2945618c3">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(b)</td>
        <td style="width: auto; vertical-align: top;">
          <div>his 401(k) Contributions Sub-Account;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z74a5588bf87241e9a041681191b94794">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(c)</td>
        <td style="width: auto; vertical-align: top;">
          <div>his vested Matching Contributions A Sub-Account;</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z8141a9ee3364414cac6b41ca08fe288b">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">(d)</td>
        <td style="width: auto; vertical-align: top;">
          <div>his vested Matching Contributions B Sub-Account; then</div>
        </td>
      </tr>

  </table>
  <div><br>
    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
      <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">71</font></div>
      <div style="page-break-after: always;" class="BRPFPageBreak">
        <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
    </div>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z1dd34c54b0bf497e89416cdcbd2ac37d">

      <tr>
        <td style="width: 29pt;"><br>
        </td>
        <td style="width: 35.95pt; vertical-align: top;">(e)</td>
        <td style="width: auto; vertical-align: top;">
          <div>his Special Annual Company Contributions Sub-Account.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">If the Sub-Account from which a Participant is receiving a withdrawal is invested in more than one Investment Fund, the withdrawal shall be charged against the Investment Funds as directed by the Administrator.</div>
  <div style="margin-right: 47.9pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">72</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div style="text-align: center; font-weight: bold;">ARTICLE XIV</div>
  <div style="text-align: center; font-weight: bold;">TERMINATION OF EMPLOYMENT AND SETTLEMENT DATE</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="ze8bbf2a340f74b3db7741772ddedf201">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250074"></a><font style="font-weight: bold;">14.1</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Termination of Employment and Settlement Date</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">A Participant&#8217;s Settlement Date shall occur on the date he terminates employment with the Employers and all Related Employers because of death, disability, retirement, or other termination of employment. Written
    notice of a Participant&#8217;s Settlement Date shall be given by the Administrator to the Trustee.</div>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="zf5a10992505848a7800514d41c7683f5">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250073"></a><font style="font-weight: bold;">14.2</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Separate Accounting for Non-Vested Amounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">If as of a Participant&#8217;s Settlement Date the Participant&#8217;s vested interest in his Employer Contributions Sub-Account is less than 100%, that portion of his Employer Contributions Sub-Account that is not vested shall
    be accounted for separately from the vested portion and shall be disposed of as provided in the following Section. If prior to such Settlement Date the Participant received a distribution under the Plan and the non-vested portion of his Employer
    Contributions Sub-Account was not forfeited as provided in the following Section, his vested interest in his Employer Contributions Sub-Account shall be an amount (&#8220;X&#8221;) determined by the following formula:</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">X = P(AB + D) - D</div>
  <div><br>
  </div>
  <div style="margin: 0px 0px 0px 29pt;">For purposes of the formula:</div>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="c70732ed43b94af7845bfc4bfef9c481" class="DSPFListTable">

      <tr>
        <td style="width: 64.95pt;"></td>
        <td style="width: 36pt; vertical-align: top;">P = &#160;&#160; </td>
        <td style="width: auto; vertical-align: top;">The Participant&#8217;s vested interest in his Employer Contributions Sub- Account on the date distribution is to be made.</td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z546983ca0c1a400a8f936581b634e44f">

      <tr>
        <td style="width: 64.95pt;">&#160;</td>
        <td style="width: 36pt; vertical-align: top;">AB =</td>
        <td style="width: auto; vertical-align: top;">
          <div>The balance of the Participant&#8217;s Employer Contributions Sub-Account as of the Valuation Date immediately preceding the date distribution is to be made.</div>
        </td>
      </tr>

  </table>
  <div><br>
  </div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z6756ba6fdeec45b7aae8ad041de27153">

      <tr>
        <td style="width: 64.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;">D =</td>
        <td style="width: auto; vertical-align: top;">
          <div>The amount of all prior distributions from the Participant&#8217;s Employer Contributions Sub-Account. Amounts deemed to have been distributed to a Participant pursuant to Code Section 72(p), but which have not actually been offset against the
            Participant&#8217;s Account balance shall not be considered distributions hereunder.</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable" id="z3bda323cad834fdea8dc06c65c139f09">

      <tr>
        <td style="width: 28.95pt;"><br>
        </td>
        <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250072"></a><font style="font-weight: bold;">14.3</font></td>
        <td style="width: auto; vertical-align: top;">
          <div style="font-weight: bold;">Disposition of Non-Vested Amounts</div>
        </td>
      </tr>

  </table>
  <div>&#160;</div>
  <div style="margin: 0px 0px 0px 29pt;">That portion of a Participant&#8217;s Employer Contributions Sub-Account that is not vested upon the occurrence of his Settlement Date shall be disposed of as follows:</div>
  <div style="margin-right: 49.1pt; margin-left: 28.95pt;"> <br>
  </div>
  <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
    <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">73</font></div>
    <div style="page-break-after: always;" class="BRPFPageBreak">
      <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
  </div>
  <div>
    <div>
      <div>
        <table cellspacing="0" cellpadding="0" id="z5a8d6d03c9bf411bb467224a79e27cb3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant has no vested interest in his Account upon the occurrence of his Settlement Date or his vested interest in his Account as of the date of distribution does not exceed $1,000, resulting in the distribution or deemed
                  distribution to the Participant of his entire vested interest in his Account, the non-vested balance in the Participant&#8217;s Employer Contributions Sub-Account shall be forfeited and his Account closed as of (i) the Participant&#8217;s Settlement
                  Date, if the Participant has no vested interest in his Account and is therefore deemed to have received distribution on that date, or (ii) the date actual distribution is made to the Participant.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zb9151b8ca4c34d8da500f8565a6f0458" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant&#8217;s vested interest in his Account exceeds $1,000 and the Participant is eligible for and consents in writing to a single sum payment of his vested interest in his Account, the non-vested balance in the Participant&#8217;s
                  Employer Contributions Sub-Account shall be forfeited and his Account closed as of the date the single sum payment occurs, provided that such distribution is made because of the Participant&#8217;s Settlement Date. A distribution is deemed to
                  be made because of a Participant&#8217;s Settlement Date if it occurs prior to the end of the second Plan Year beginning on or after the Participant&#8217;s Settlement Date.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z51911a2b10714764a1d557340ca83fcd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If neither paragraph (a) nor paragraph (b) is applicable, the non-vested balance in the Participant&#8217;s Employer Contributions Sub-Account shall continue to be held in such Sub-Account and shall not be forfeited until the last day of the
                  5-year period beginning on his Settlement Date, provided that the Participant is not reemployed by an Employer or a Related Employer prior to that date.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zb60f4b855b0f449c80f531c473e0a44e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250071"></a><font style="font-weight: bold;">14.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Treatment of Forfeited Amounts</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Except as otherwise provided below with respect to pre-2015 Profit Sharing forfeitures, Whenever the non-vested balance of a Participant&#8217;s Employer Contributions Sub-Account is forfeited during a Plan Year in
          accordance with the provisions of the preceding Section, the amount of such forfeiture shall be applied against the Employers&#8217; contribution obligations or against Plan expenses, as directed by the Administrator.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Pre-2015 Profit Sharing Forfeitures: Solely with respect to a forfeiture which arises before January 1, 2015 and is attributable to a Profit Sharing Contribution, such forfeiture shall be allocated as of
          December 31 of the Plan Year following the Plan Year in which it arises (the &#8220;allocation Plan Year&#8221;) among the Accounts of Participants who are Eligible Employees with respect to Profit Sharing Contributions during such &#8220;allocation Plan Year&#8221; and
          have met the allocation requirements for Profit Sharing Contributions described in Article VI for such &#8220;allocation Plan Year.&#8221; Any such forfeited amounts shall be allocated in the ratio which an eligible Participant&#8217;s Compensation for the
          &#8220;allocation Plan Year&#8221; (as modified by Section 6.2) bears to the aggregate of such modified Compensation for all such eligible Participants. Any such allocation shall be made after the allocation of any Profit Sharing Contribution for the
          &#8220;allocation Plan Year&#8221; is made or the Sponsor determines that no Profit Sharing Contribution will be made for the &#8220;allocation Plan Year.&#8221; Forfeitures credited to a Participant&#8217;s Account under this paragraph shall be credited to his Profit Sharing
          Contributions Sub-Account. A Participant&#8217;s vested interest in amounts attributable to forfeitures allocated to his Profit Sharing Contributions Sub-Account under this paragraph shall be determined under the vesting schedule otherwise applicable
          to such Sub-Account pursuant to Article VI.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">74</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zdcdaf1ff068d411b80a575e4440fb1a9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">14.5</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Recrediting of Forfeited Amounts</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">A former Participant who forfeited the non-vested portion of his Employer Contributions Sub-Account in accordance with the provisions of paragraph (a) or (b) of Section 14.3 and who is reemployed by an
          Employer or a Related Employer shall have such forfeited amounts recredited to a new Account in his name, without adjustment for interim gains or losses experienced by the Trust, if:</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf7464253c086429fbac89edfff2c8a75" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>he returns to employment with an Employer or a Related Employer before the end of the 5-year period beginning on his Settlement Date; and</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zc57f4e5c9c0c45e9a6681a02a644cc02" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>if he received actual distribution of his vested interest in his Account, he repays to the Plan the full amount of such distribution that is attributable to Employer Contributions before the end of the 5-year period beginning on the
                  date he is reemployed.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Funds needed in any Plan Year to recredit the Account of a Participant with the amounts of prior forfeitures in accordance with the preceding sentence shall come first from forfeitures of Employer
          Contributions (other than pre-2015 Profit Sharing forfeitures described in the preceding Section) that arise during such Plan Year, and then from Trust income earned in such Plan Year, to the extent that it has not yet been allocated among
          Participants&#8217; Accounts as provided in Article XI, with each Trust Fund being charged with the amount of such income proportionately, unless his Employer chooses to make an additional Employer Contribution, and shall finally be provided by his
          Employer by way of a separate Employer Contribution.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">75</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250069"></a>ARTICLE XV</div>
        <div style="text-align: center; font-weight: bold;">DISTRIBUTIONS</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z68ac6bb01a3b4ae28316002747981fc0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250068"></a><font style="font-weight: bold;">15.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Distributions to Participants</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the provisions of Section 15.3, a Participant whose Settlement Date occurs shall receive distribution of his vested interest in his Account in the form provided under Article XVI beginning as soon
          as reasonably practicable following his Settlement Date or the date his application for distribution is filed with the Administrator, if later.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z930f698f8f84417facb20504f25ea155" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250067"></a><font style="font-weight: bold;">15.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Distributions to Beneficiaries</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the provisions of Section 15.3, if a Participant dies prior to his Benefit Payment Date, his Beneficiary shall receive distribution of the Participant&#8217;s vested interest in his Account in the form
          provided under Article XVI beginning as soon as reasonably practicable following the date the Beneficiary&#8217;s application for distribution is filed with the Administrator. If distribution is to be made to a Participant&#8217;s Spouse, it shall be made
          available within a reasonable period of time after the Participant&#8217;s death that is no less favorable than the period of time applicable to other distributions.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">If a Participant dies after the date distribution of his vested interest in his Account begins under this Article, but before his entire vested interest in his Account is distributed, his Beneficiary shall
          receive distribution of the remainder of the Participant&#8217;s vested interest in his Account beginning as soon as reasonably practicable following the Participant&#8217;s date of death.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z0694e9fc426f434583445ab122ab11d9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250066"></a><font style="font-weight: bold;">15.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Code Section 401(a)(9) Requirements</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The provisions of this Section take precedence over any inconsistent provision of the Plan; provided, however, that the provisions of this Section are not intended to create additional forms of payment that
          are not otherwise provided under Article XVI.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">All distributions required under this Section shall be determined and made in accordance with Code Section 401(a)(9) and the minimum distribution incidental benefits requirements of Code Section 401(a)(9)(G).</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z54e3a73b1d2f4d6bb6041ec3ece2d3df" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A Participant&#8217;s vested interest in his Account shall be distributed, or begin to be distributed to the Participant no later than the Participant&#8217;s Required Beginning Date. Following the Participant&#8217;s Required Beginning Date, the
                  minimum amount that will be distributed for each &#8220;distribution calendar year&#8221;, up to and including the &#8220;distribution calendar year&#8221; that includes the Participant&#8217;s date of death, is the lesser of:</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">76</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zbd814b2a8664404aaf41ea45ee8e8d87" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>the quotient obtained by dividing the Participant&#8217;s &#8220;mrd account balance&#8221; by the distribution period in the Uniform Lifetime Table set forth in Section 1.401(a)(9)-9, Q &amp; A-2 of the Treasury Regulations, using the Participant&#8217;s age
                  as of the Participant&#8217;s birthday in the &#8220;distribution calendar year&#8221; or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z014632acf7bd414aaeb52e7d5c9f770a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>if the Participant&#8217;s sole &#8220;designated beneficiary&#8221; for a &#8220;distribution calendar year&#8221; is the Participant&#8217;s Spouse, the quotient obtained by dividing the Participant&#8217;s &#8220;mrd account balance&#8221; by the number in the Joint and Last Survivor
                  Table set forth in Section 1.401(a)(9)-9, Q &amp; A-3 of the Treasury Regulations, using the Participant&#8217;s and Spouse&#8217;s attained ages as of the Participant&#8217;s and Spouse&#8217;s birthdays in the &#8220;distribution calendar year&#8221;.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z186ba99321164d439f0393fb03761f69" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If a Participant dies on or after his Required Beginning Date, but before his vested interest in his Account has been distributed in full, the remainder of the Participant&#8217;s vested Account balance shall be distributed to the
                  Participant&#8217;s Beneficiary in a single sum payment as soon as reasonably practicable following the Participant&#8217;s death. The minimum amount that will be distributed to a Participant&#8217;s Beneficiary for each &#8220;distribution calendar year&#8221;
                  following the year in which the Participant&#8217;s death occurs is:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="ze3ad75a78f9743929f5fb996a12aa7fc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant&#8217;s Beneficiary is a &#8220;designated beneficiary&#8221;, the quotient obtained by dividing the Participant&#8217;s &#8220;mrd account balance&#8221; by the longer of:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zcf1d76c8e71d4206b2c588ae42a506b7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 100.95pt;"><br>
              </td>
              <td style="width: 35.85pt; vertical-align: top;">(A)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>the remaining life expectancy of the Participant, calculated using the age of the Participant in the year of death, reduced by one for each subsequent year or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z00ea3c42142846b0bd651c27788bc174" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 100.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(B)</td>
              <td style="width: auto; vertical-align: top;">
                <div>the remaining life expectancy of the &#8220;designated beneficiary&#8221;, calculated as provided in (1) or (2) below, as applicable.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3236154c06a44e1dae7e5cc44665ee8c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 136.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(1)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant&#8217;s Spouse is his sole &#8220;designated beneficiary&#8221;, the Spouse&#8217;s remaining life expectancy is calculated for each &#8220;distribution calendar year&#8221; using the surviving Spouse&#8217;s age as of the Spouse&#8217;s birthday during that
                  calendar year. For &#8220;distribution calendar years&#8221; after the year of the surviving Spouse&#8217;s death, the remaining life expectancy is calculated using the age of the surviving Spouse as of the Spouse&#8217;s birthday in the calendar year of the
                  Spouse&#8217;s death, reduced by one for each subsequent year.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">77</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="za7793490b2d740f6bf11672014996ea4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 137pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(2)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant&#8217;s Spouse is not the sole &#8220;designated beneficiary&#8221;, the &#8220;designated beneficiary&#8217;s&#8221; remaining life expectancy is calculated for each &#8220;distribution calendar year&#8221; using his age in the calendar year following the
                  Participant&#8217;s death, reduced by one for each subsequent year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zb81ffa30f19b4fb3b9ad2fa76a29d0d7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If the Participant&#8217;s Beneficiary is not a &#8220;designated beneficiary&#8221; (determined as of September 30 of the calendar year following the year of the Participant&#8217;s death), the quotient obtained by dividing the Participant&#8217;s &#8220;mrd account
                  balance&#8221; by the Participant&#8217;s remaining life expectancy calculated using the age of the Participant in the calendar year of death, reduced by one for each subsequent year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z9833733d8fd0492fb4b62c979e63bc6e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Minimum distribution amounts shall be determined using the Uniform Lifetime Table set forth in Section 1.401(a)(9)-9 of the Treasury Regulations and the Joint and Last Survivor Table set forth in Section 1.401(a)(9)-9 of the Treasury
                  Regulations.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z9c794e1d78e14b8e9dc2d8f8a3767f8e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>If a Participant dies before his Required Beginning Date and before his vested interest in his Account has been distributed in full, the Participant&#8217;s vested Account balance shall be distributed to the Participant&#8217;s Beneficiary in a
                  single sum payment no later than December 31 of the calendar year which includes the 5th anniversary of the Participant&#8217;s death; provided, however, that if the Participant&#8217;s Spouse is his sole &#8220;designated beneficiary&#8221; with respect to all
                  or any portion of the Participant&#8217;s vested Account, the Spouse may elect to postpone payment until December 31 of the calendar year in which the Participant would have attained age 70 1/2, if later. The Spouse&#8217;s election to defer payment
                  must be made no later than September 30 of the calendar year that contains the 5th anniversary of the Participant&#8217;s death.</div>
                <div> <br>
                </div>
                <div>
                  <div style="margin-top: 0px; margin-bottom: 0px;">If the Participant&#8217;s Spouse is a sole &#8220;designated beneficiary&#8221; with respect to all or any portion of the Participant&#8217;s interest and the Spouse dies after the Participant but before
                    distribution to the Spouse is made, the rules described above shall be applied with respect to the interest for which the Spouse was the sole &#8220;designated beneficiary,&#8221; substituting the date of the Spouse&#8217;s death for the date of the
                    Participant&#8217;s death. A Participant&#8217;s Spouse qualifies as the Participant&#8217;s sole &#8220;designated beneficiary&#8221; if she is entitled to the Participant&#8217;s entire vested interest in his Account or his entire vested interest in a segregated portion
                    of the Participant&#8217;s Account and no other &#8220;designated beneficiary&#8221; is entitled to any portion of that interest unless the Spouse dies prior to receiving full distribution of that interest.</div>
                </div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">78</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3308c91bb09140568ca04776ffbf0c40" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>For purposes of this Section the following terms have the following meanings:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z9ae6685869964597a9d34ad5f228e914" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A Participant&#8217;s &#8220;<font style="font-weight: bold;">designated beneficiary</font>&#8221; means the individual who is the Participant&#8217;s Beneficiary under Article XVII of the Plan and is the designated beneficiary under Code Section 401(a)(9)
                  and Treasury Regulations Section 1.401(a)(9)-4.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z2f06fcac5d5849afb87b4d72894fdd67" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A &#8220;<font style="font-weight: bold;">distribution calendar year</font>&#8221; means a calendar year for which a minimum payment is required. The first year for which a minimum payment is required depends on whether distribution begins before
                  or after the Participant&#8217;s death. If distribution begins before the Participant&#8217;s death, the first &#8220;distribution calendar year&#8221; is the calendar year immediately preceding the calendar year that contains the Participant&#8217;s Required
                  Beginning Date. If distribution begins after the Participant&#8217;s death, the first &#8220;distribution calendar year&#8221; is the calendar year in which distributions are required to begin under paragraph (c) of this Section.</div>
                <div> <br>
                </div>
                <div>
                  <div>The required minimum payment for the Participant&#8217;s first &#8220;distribution calendar year&#8221; must be made on or before the Participant&#8217;s Required Beginning Date. The required minimum payment for other &#8220;distribution calendar years,&#8221;
                    including the required minimum payment for the &#8220;distribution calendar year&#8221; in which the Participant&#8217;s Required Beginning Date occurs, must be made on or before December 31 of that &#8220;distribution calendar year.&#8221;</div>
                </div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z8b6f8d0bd8504308bff6fab4ac4d4a9c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A Participant&#8217;s &#8220;<font style="font-weight: bold;">mrd account balance</font>&#8221; means the Participant&#8217;s Account balance as of the last Valuation Date in the calendar year immediately preceding the &#8220;distribution calendar year&#8221; (the
                  &#8220;valuation calendar year&#8221;), adjusted as follows:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc27e01ae68ac405a96e26cb23581269c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 101pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(A)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Such Account balance shall be increased by the amount of any contributions made and allocated or forfeitures allocated to the Account balance as of dates in the &#8220;valuation calendar year&#8221; after the Valuation Date.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z76d133e026224082937c6bec0f3762be" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 101pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(B)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Such Account balance shall be decreased by distributions made in the &#8220;valuation calendar year&#8221; after the Valuation Date.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 101pt;">The Account balance for the &#8220;valuation calendar year&#8221; includes any amounts rolled over or transferred to the Plan either in the &#8220;valuation calendar year&#8221; or in the &#8220;distribution calendar year&#8221; if distributed
          or transferred in the &#8220;valuation calendar year.&#8221;</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">79</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z406e8a62c8af42fc89b251b2ca5a2128" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250065"></a><font style="font-weight: bold;">15.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Cash Outs and Participant Consent</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant&#8217;s vested interest in his Account does not exceed $1,000, distribution of such vested interest shall be made to the Participant
          in a single sum payment or through a direct rollover, as described in Article XVI, as soon as reasonably practicable following his Settlement Date.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">If a Participant has no vested interest in his Account on his Settlement Date, he shall be deemed to have received distribution of such vested interest on his Settlement Date.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">If a Participant&#8217;s vested interest in his Account exceeds $1,000, distribution shall not commence to such Participant prior to his Required Beginning Date without the Participant&#8217;s written consent.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z6fbf561d267a4bb5a74d5a3bcbf28cc7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250064"></a><font style="font-weight: bold;">15.5</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Required Commencement of Distribution</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, distribution of a Participant&#8217;s vested interest in his Account shall commence to the Participant no later than his Required Beginning Date.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A Participant who does not make application for his benefit to commence as of an earlier date shall be deemed to have elected to postpone distribution hereunder until his Required Beginning Date.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z4d29c3ea6fe0468cb4d4eb8e78a00302" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250063"></a><font style="font-weight: bold;">15.6</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Reemployment of a Participant</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If a Participant whose Settlement Date has occurred is reemployed by an Employer or a Related Employer, he shall lose his right to any distribution or further distributions from the Trust arising from his
          prior Settlement Date and his interest in the Trust shall thereafter be treated in the same manner as that of any other Participant whose Settlement Date has not occurred.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7c9092e0acf64c5287995b0311e7465f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250062"></a><font style="font-weight: bold;">15.7</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Restrictions on Alienation</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Except as provided in Code Section 401(a)(13) (relating to qualified domestic relations orders), Code Section 401(a)(13)(C) and (D) (relating to offsets ordered or required under a criminal conviction
          involving the Plan, a civil judgment in connection with a violation or alleged violation of fiduciary responsibilities under ERISA, or a settlement agreement between the Participant and the Department of Labor in connection with a violation or
          alleged violation of fiduciary responsibilities under ERISA), Treasury Regulations Section 1.401(a)-13(b)(2) (relating to Federal tax levies and judgments), or as otherwise required by law, no benefit under the Plan at any time shall be subject
          in any manner to anticipation, alienation, assignment (either at law or in equity), encumbrance, garnishment, levy, execution, or other legal or equitable process; and no person shall have power in any manner to anticipate, transfer, assign
          (either at law or in equity), alienate or subject to attachment, garnishment, levy, execution, or other legal or equitable process, or in any way encumber his benefits under the Plan, or any part thereof, and any attempt to do so shall be void.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">80</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z24d65836cf1741b48612d9b84d0718d6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">15.8</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Facility of Payment</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If the Administrator finds that any individual to whom an amount is payable hereunder is incapable of attending to his financial affairs because of any mental or physical condition, including the infirmities
          of advanced age, such amount may, in the discretion of the Administrator, be paid to such individual&#8217;s court appointed guardian or to another person with a valid power of attorney. The Trustee shall make such payment only upon receipt of written
          instructions to such effect from the Administrator. Any such payment shall be charged to the Account from which the payment would otherwise have been paid to the individual found incapable of attending to his financial affairs and shall be a
          complete discharge of any liability therefor under the Plan.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">If distribution is to be made to a minor Beneficiary, the Administrator may, in its discretion, pay the amount to a duly qualified guardian or other legal representative, to an adult relative under the
          applicable state Uniform Gifts to Minors Act, as custodian, or to a trust that has been established for the benefit of the minor. Any such payment shall be charged to the Account from which the payment would otherwise have been paid to the minor
          and shall be a complete discharge of any liability therefor under the Plan.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="ze80eff57b44e4730a2c3e51290967393" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250060"></a><font style="font-weight: bold;">15.9</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Inability to Locate Payee and Non-Negotiated Checks</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If any benefit becomes payable to any person, or to the executor or administrator of any deceased person (the &#8220;payee&#8221;), and if either (i) the payee does not satisfy the administrative requirements for
          distribution as of the date distribution is required to be made under the Plan, or (ii) the payee or his executor or administrator does not present himself to the Administrator within a reasonable period after the Administrator mails written
          notice of his eligibility to receive a distribution hereunder to his last known address and makes such other diligent effort to locate the person as the Administrator determines, such as (1) providing a distribution notice to the lost Participant
          at his/her last known address by certified mail, (2) checking the records of the Employer or any related plans of the Employer, (3) sending an inquiry to the designated Beneficiary of the missing Participant, or (4) using a commercial locater
          service, the internet or other general search method, that benefit will be forfeited. However, if the payee later files a claim for that benefit, the benefit will be restored.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If a distribution check has been issued and is outstanding for more than 180 days and the Administrator has been unable to locate the payee after diligent efforts have been made to do so, then except as
          specifically directed by the Administrator, the amount of the check shall be re-deposited to the Plan and forfeited. However, if the payee is subsequently located, the check amount will be restored to an Account established on the payee&#8217;s behalf,
          without adjustment for investment gains or losses since the date of issuance.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">81</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Any amount forfeited under this Section shall be applied against the Employer Contribution obligations or against Plan expenses, as directed by the Administrator.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z7cf1d38d97844185a1b88ca29293f709" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250059"></a><font style="font-weight: bold;">15.10</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Distribution Pursuant to Qualified Domestic Relations Orders</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, if a qualified domestic relations order so provides, distribution may be made to an alternate payee pursuant to a qualified domestic relations
          order, as defined in Code Section 414(p), regardless of whether the Participant&#8217;s Settlement Date has occurred or whether the Participant is otherwise entitled to receive a distribution under the Plan. An alternate payee may name his or her own
          beneficiary to receive any benefits payable in the event of the alternate payee&#8217;s death prior to the receipt of all benefits to which the alternate payee was entitled.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">82</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="font-weight: bold; text-align: center;"><a name="z_TOC_250058"></a>ARTICLE XVI </div>
        <div style="font-weight: bold; text-align: center;">FORM OF PAYMENT</div>
        <div style="text-align: center;">&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zf58176d3dd5c47aa977bc0361ef99178" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250057"></a><font style="font-weight: bold;">16.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Applicability</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The provisions of this Article shall apply to all Participants and Beneficiaries eligible to receive a distribution under the Plan (including a withdrawal under Article XIII).</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zc44241294c434d81a6efb179aa3ceecf" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250056"></a><font style="font-weight: bold;">16.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Form of Payment</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Distribution shall be made to a Participant, or his Beneficiary, if the Participant has died, in a single sum payment. Notwithstanding the foregoing, a Participant who has reached his Required Beginning Date
          shall receive distribution in periodic cash payments, made not less frequently than annually, equal to the minimum amount necessary to satisfy the distribution requirements of Code Section 401(a)(9) and regulations issued thereunder until such
          time as he may elect a single sum cash payment of the remaining vested balance of his Account.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Upon such Participant&#8217;s death, the remainder of the Participant&#8217;s vested Account balance shall be distributed to the Participant&#8217;s Beneficiary in a single sum payment as soon as reasonably practicable
          following that Participant&#8217;s death. In-kind distributions of Employer Stock are permitted only to the extent a Participant&#8217;s Account is invested in such stock. A Participant does not otherwise have the right to demand payment of his benefit under
          the Plan in the form of Employer securities.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Any in kind distribution shall be valued by a third party appraisal.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zce86513c115c403bb7d8a2b93d181077" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250055"></a><font style="font-weight: bold;">16.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Direct Rollover</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, in lieu of receiving distribution in a form of payment provided under this Article, a &#8220;qualified distributee&#8221; may elect in writing, in
          accordance with rules prescribed by the Administrator, to have a portion or all of any &#8220;eligible rollover distribution&#8221; paid directly by the Plan to the &#8220;eligible retirement plan&#8221; designated by the &#8220;qualified distributee&#8221;. Any such payment by the
          Plan to another &#8220;eligible retirement plan&#8221; shall be a direct rollover.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, a &#8220;qualified distributee&#8221; may not elect a direct rollover with respect to an &#8220;eligible rollover distribution&#8221; if the total value of the &#8220;eligible rollover distributions&#8221; expected
          to be made to the &#8220;qualified distributee&#8221; for the year is less than</div>
        <div style="margin: 0px 0px 0px 29pt;">$200 or with respect to a portion of an &#8220;eligible rollover distribution&#8221; if the value of such portion is less than $500.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">For purposes of this Section, the following terms have the following meanings:</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">83</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z46689423befd4c6e94e268f4ff76ec49" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>An &#8220;eligible retirement plan&#8221; with respect to the Participant, the Participant&#8217;s Spouse, or the Participant&#8217;s former Spouse means any of the following: (i) an individual retirement account described in Code Section 408(a), (ii) an
                  individual retirement annuity described in Code Section 408(b), (iii) an annuity plan described in Code Section 403(a) that accepts rollovers, (iv) a qualified plan described in Code Section 401(a) that accepts rollovers, (v) an annuity
                  contract described in Code Section 403(b) that accepts rollovers, (vi) an eligible plan under Code Section 457(b) that is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political
                  subdivision of a state and that agrees to separately account for amounts transferred into such plan from the Plan, or (vii) a Roth IRA, as described in Code Section 408A. Effective for rollovers to other plans made after December 18,
                  2015, an Eligible Retirement Plan will include a SIMPLE IRA plan that accepts rollovers and such rollover does not include a designated Roth account.</div>
                <div> <br>
                </div>
                <div>
                  <div style="margin-top: 0px; margin-bottom: 0px;">An &#8220;eligible retirement plan&#8221; with respect to any other &#8220;qualified distributee&#8221; means either an individual retirement account described in Code Section 408(a) or an individual retirement
                    annuity described in Code Section 408(b) (an &#8220;IRA&#8221;). Such IRA must be treated as an IRA inherited from the deceased Participant by the &#8220;qualified distributee&#8221; and must be established in a manner that identifies it as such.</div>
                </div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z52139b659e614f55a60ea432e43b309d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>An &#8220;eligible rollover distribution&#8221; means any distribution of all or any portion of the balance of a Participant&#8217;s Account; provided, however, that an eligible rollover distribution does not include the following:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd9ed7324bfb4414d90bf98a790ebf602" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any distribution to the extent such distribution is required under Code Section 401(a)(9).</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0c765713bc7f40e69bc55f000402e110" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any distribution that is one of a series of substantially equal periodic payments made not less frequently than annually for the life or life expectancy of the &#8220;qualified distributee&#8221; or the joint lives or life expectancies of the
                  &#8220;qualified distributee&#8221; and the &#8220;qualified distributee&#8217;s&#8221; designated beneficiary, or for a specified period of 10 years or more.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z15486a3b7a854934b610c4033025d63b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any hardship withdrawal made in accordance with the provisions of Article XIII.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z24c31172e08d4d8f8cd420c2e6fd06a1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A &#8220;qualified distributee&#8221; means a Participant, the Participant&#8217;s surviving Spouse, the Participant&#8217;s Spouse or former Spouse who is an alternate payee under a qualified domestic relations order, as defined in Code Section 414(p), or
                  the Participant&#8217;s non-Spouse Beneficiary who is his designated beneficiary within the meaning of Code Section 401(a)(9)(E).</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">84</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z2ea196d5d9a34fe9b54ffb3de19c7dc5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250054"></a><font style="font-weight: bold;">16.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Notice Regarding Form of Payment</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Within the 60-day period ending 30 days before a Participant&#8217;s Benefit Payment Date, the Administrator shall provide the Participant with a written explanation of his right to defer distribution until his
          Normal Retirement Date, or such later date as may be provided in the Plan, the consequences to the Participant of electing an immediate distribution of his vested Account balance instead of deferring payment, his right to make a direct rollover,
          and the form of payment provided under the Plan. Distribution of the Participant&#8217;s Account may commence fewer than 30 days after such notice is provided to the Participant if (i) the Administrator clearly informs the Participant of his right to
          consider his election of whether or not to make a direct rollover or to receive a distribution prior to his Normal Retirement Date for a period of at least 30 days following his receipt of the notice and (ii) the Participant, after receiving the
          notice, affirmatively elects an early distribution.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zc7514ab317f64a6782969b1c9fe13256" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250053"></a><font style="font-weight: bold;">16.5</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Distribution in the Form of Employer Stock</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, to the extent that his vested Account is invested in Employer Stock on the date a distribution (other than a hardship withdrawal under Article
          XIII) is made, a Participant or Beneficiary receiving such distribution may elect to have it paid in whole shares of Employer Stock (with any fractional shares distributed in cash). Hardship withdrawals shall be made only in cash.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">85</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250052"></a>ARTICLE XVII</div>
        <div style="text-align: center; font-weight: bold;">BENEFICIARIES</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zbd40184d070146b2b390ce0461ea52f7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250051"></a><font style="font-weight: bold;">17.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Designation of Beneficiary</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to Section 17.2 below (with respect to certain Participants&#8217; Profit Sharing Contributions Sub-Accounts), a Participant&#8217;s Beneficiary shall be determined as follows:</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">An unmarried Participant&#8217;s Beneficiary shall be the person or persons designated by such Participant in accordance with rules prescribed by the Administrator. A married Participant&#8217;s Beneficiary shall be his
          Spouse, unless the Participant designates a person or persons other than his Spouse as Beneficiary with his Spouse&#8217;s written consent in accordance with rules prescribed by the Administrator. For purposes of this Section, a Participant shall be
          treated as unmarried and spousal consent shall not be required if the Participant does not have a Spouse at the time of his death. In order for a Beneficiary designation to be valid, it must be filed with the Administrator or its delegate prior
          to the Participant&#8217;s death.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If no Beneficiary has been designated or identified pursuant to the preceding provisions of this Section, or if no Beneficiary survives the Participant, then the Beneficiary under the Plan shall be the
          deceased Participant&#8217;s surviving Spouse or, if there is no surviving Spouse, the Participant&#8217;s surviving children in equal shares or, if there are no surviving children, the Participant&#8217;s estate. If a Beneficiary dies after becoming entitled to
          receive a distribution under the Plan but before distribution is made to him in full, and if the Participant or Beneficiary has not designated another Beneficiary to receive the balance of the distribution in that event, the estate of the
          deceased Beneficiary shall be the Beneficiary as to the balance of the distribution.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf934f3b93cfd4eff9fdf1727a7735218" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250050"></a><font style="font-weight: bold;">17.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Designation of Beneficiary &#8211; Special Rule for Prior Profit Sharing Plan Participants</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding Section 17.1 above, in the case of a Participant who was a participant in the Flushing Financial Corporation Stock-Based Profit Sharing Plan (&#8220;PSP&#8221;) prior to May 1, 2008, and has not made a
          Beneficiary designation under the Plan on or after May 1, 2008, then solely for purposes of the Participant&#8217;s Profit Sharing Contributions Sub- Account (and not for any other Sub-Accounts) the Participant&#8217;s Beneficiary shall be determined as
          follows: The Participant&#8217;s Beneficiary for his Profit Sharing Contributions Sub-Account shall be the person(s) designated by the Participant prior to May 1, 2008, as his beneficiary under the PSP, provided such designation was filed with the
          administrator of the PSP or its delegate prior May 1, 2008. If the Participant did not so designate a beneficiary under the PSP prior to May 1, 2008, or no beneficiary designated by the Participant under the PSP prior to May 1, 2008, survives the
          Participant, then the Beneficiary for the Participant&#8217;s Profit Sharing Contributions Sub-Account shall be the deceased Participant&#8217;s surviving Spouse or, if there is no surviving Spouse, the Participant&#8217;s surviving children in equal shares or, if
          there are no surviving children, the Participant&#8217;s estate. If a Beneficiary dies after becoming entitled to receive a distribution of a Participant&#8217;s Profit Sharing Contributions Sub-Account but before distribution is made to him in full, and if
          the Participant or Beneficiary has not designated another Beneficiary to receive the balance of the distribution in that event, the estate of the deceased Beneficiary shall be the Beneficiary as to the balance of the distribution.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">86</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">This Section shall not apply to any Participant who makes a Beneficiary designation under the Plan on or after May 1, 2008, or to any Participant who was not a participant in the PSP.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="ze1cf7e9d4ae74a09b5bf25584c2aee64" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250049"></a><font style="font-weight: bold;">17.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Spousal Consent Requirements</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Any written consent given by a Participant&#8217;s Spouse pursuant to this Article must acknowledge the effect of the action taken, must specify any non-Spouse Beneficiary designated by the Participant and that such
          Beneficiary may not be changed without the Spouse&#8217;s written consent, and must be witnessed by a Plan representative or a notary public. A Participant&#8217;s Spouse will be deemed to have given written consent to the Participant&#8217;s designation of
          Beneficiary if the Participant establishes to the satisfaction of a Plan representative that such consent cannot be obtained because the Spouse cannot be located or because of other circumstances set forth in Section 401(a)(11) of the Code and
          regulations issued thereunder. Any written consent given or deemed to have been given by a Participant&#8217;s Spouse hereunder shall be valid only with respect to the Spouse who signs the consent.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">87</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;"><a name="z_TOC_250048"></a>ARTICLE XVIII</div>
        <div style="text-align: center; font-weight: bold;">ADMINISTRATION</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd57155d72f5f4a4787a2d717134b81fa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250047"></a><font style="font-weight: bold;">18.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Authority of the Sponsor and Administrator</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Administrator shall be responsible for the administration of the Plan and, in addition to the powers and authorities expressly conferred upon it in the Plan, shall have all such powers and authorities as
          may be necessary to carry out the provisions of the Plan, including the power and authority to interpret and construe the provisions of the Plan, to make benefit determinations, to resolve any disputes which arise under the Plan; to establish
          rules and procedures for the administration of the Plan (including, but not limited to, rules and procedures to be followed by Participants and Beneficiaries applying for benefits under the Plan); to authorize disbursements from the Trust Fund;
          to select, remove and replace the Investment Funds (other than the Employer Stock Investment Fund); and to receive, review and retain periodic reports of the financial condition of the Trust Fund; provided, however, that the Sponsor shall be the
          administrator and the plan administrator for purposes of the reporting and disclosure requirements of ERISA and the Code. The Sponsor and the Administrator may each employ such attorneys, agents, and accountants as they may deem necessary or
          advisable to assist in carrying out their respective duties hereunder. The Sponsor and the Administrator shall each be a &#8220;named fiduciary&#8221; as that term is defined in ERISA Section 402(a)(2). The Sponsor, by action of its board of directors, may:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0902dccf32b9476ea6c4e4dc4d3ab74c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>allocate any of its powers, authority, or responsibilities for the operation and administration of the Plan (other than trustee responsibilities as defined in ERISA Section 405(c)(3)) among named fiduciaries, including a committee or
                  person or persons designated by the Sponsor to act as such; and</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z5ad36c0f789a423292bba4dcdea3282c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>designate a committee or person or persons other than a named fiduciary to carry out any of such powers, authority, or responsibilities.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd301b0f4e9c54b389b3023b0324b2339" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250046"></a><font style="font-weight: bold;">18.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Discretionary Authority</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">In carrying out their duties under the Plan, including making benefit determinations, interpreting or construing the provisions of the Plan, making factual determinations, and resolving disputes, the Sponsor
          and Administrator (or any individual to whom authority has been delegated in accordance with Sections 18.1 or 18.9), shall each have absolute discretionary authority. Any interpretation of Plan provisions and any findings of fact, including
          eligibility to participate and eligibility for benefits, made by the Sponsor and Administrator (or any named fiduciary to whom the Sponsor has allocated authority to make such interpretations and findings of fact) are final and will not be
          subject to &#8220;de novo&#8221; review unless shown to be arbitrary and capricious.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">88</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z299324fc9caf486db2125e0a3d49044a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250045"></a><font style="font-weight: bold;">18.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Action of the Sponsor</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Any act authorized, permitted, or required to be taken under the Plan by the Sponsor and which has not been delegated in accordance with Section 18.1, may be taken by action of the board of directors of the
          Sponsor or by any employee or employees duly empowered to carry out such acts on behalf of the Sponsor. All notices, advice, directions, certifications, approvals, and instructions required or authorized to be given by the Sponsor under the Plan
          shall be in writing and signed by either (i) a majority of the members of the board of directors (or similar governing body) or by such member or members as may be designated by an instrument in writing, signed by all the members thereof, as
          having authority to execute such documents on its behalf, or (ii) the employee or employees authorized to act for the Sponsor in accordance with the provisions of this Section.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z579f8a0bba794aa28ea92e97e7088a28" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250044"></a><font style="font-weight: bold;">18.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Claims Review Procedure</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Except to the extent that the provisions of any collective bargaining agreement provide another method of resolving claims for benefits under the Plan, the provisions of this Section shall control whenever a
          claim for benefits under the Plan is filed by any person (referred to in this Section as the &#8220;claimant&#8221;) and is denied, in whole or in part. The provisions of this Section shall also control whenever a claimant seeks a remedy under any provision
          of ERISA or other applicable law in connection with any error regarding his benefit under the Plan and such claim is denied, in whole or in part.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Benefit claim determinations shall be made based on the applicable provisions of the Plan document and any documents of general application that interpret the Plan provisions and are maintained by the Employer
          or the Administrator for purposes of making benefit determinations. The Administrator shall take such steps as are necessary to ensure and verify that benefit claim determinations are made in accordance with such documents and that the Plan
          provisions are being applied consistently with respect to similarly situated Claimants. All notices to Claimants will be written in a manner calculated to be understood by the Claimant.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z192bb12aee814262914918d82aa3a06e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Exhaustion of Remedies. </font><font style="font-size: 10pt;">No civil action for benefits under the Plan will be brought unless and until the Claimant has
                    (1) submitted a timely claim for benefits in accordance with the provisions of this Section; (2) been notified by the Administrator that the claim has been denied; (3) filed a written request for a review of the claim in accordance with
                    the applicable provisions of paragraphs (e) or (f) below; and (4) been notified in writing of an adverse benefit determination on review.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zaa6f3295b4d6440987a6214113e877b5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Grounds for Judicial Review. </font><font style="font-size: 10pt;">Any civil action will be based solely on the contentions advanced by the Claimant in the
                    administrative review process, and the judicial review will be limited to the Plan document and the record developed during the administrative review process as set forth in this Section.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">89</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z587e18475c9b49a99f54bf156d41fb8c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Definition of Disability Benefit. </font><font style="font-size: 10pt;">For purposes of this Section, the term &#8220;Disability Benefit&#8221; means a benefit that is
                    available under the Plan and that becomes payable upon a determination of a Participant&#8217;s Disability as determined by the Administrator. The term &#8220;Disability Benefit&#8221; does not include a benefit that, pursuant to the terms of this Plan,
                    becomes payable upon a determination of a Participant&#8217;s Disability as determined either by the Social Security Administration or under the Sponsoring Employer&#8217;s long-term disability plan.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zbc2d3d47fbb7428f90337ccb32d4a952" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Written Claims. </font><font style="font-size: 10pt;">Any claim for benefits by the Claimant (or an authorized representative) must be filed in writing with
                    the Administrator; however, the Administrator may permit the filing of a claim for benefits electronically, so long as the Administrator complies with the standards imposed by DOL Regulation Section 2520.104b-1(c)(1)(i), (iii), and
                    (iv).</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z284973ff4da04e6baa468467fd0ab2bb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 35.9pt; vertical-align: top;">(e)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Review of Non-Disability Benefit Claims. </font><font style="font-size: 10pt;">The provisions of this paragraph (e) will apply to any claim by a Claimant for
                    a Plan benefit that is not a Disability Benefit (as defined in paragraph (c) above):</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="ze153e38a022c4be196f6c03ad236e1b4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Initial Denial. </font><font style="font-size: 10pt;">Whenever the Administrator decides for any reason to deny, in whole or in part, a claim for benefits
                    filed by a Claimant, the Administrator will transmit to the Claimant a written or electronic notice (which electronic notice must comply with the standards imposed by DOL Regulation Section 2520.104b-1(c)(1)(i), (iii), and (iv)) of its
                    decision within 90 days of the date the claim was filed, unless an extension of time is necessary or the Claimant voluntarily agrees to an extension. If special circumstances require an extension, the Administrator will notify the
                    Claimant before the end of the initial review period that additional review time is necessary. The notice for an extension will (A) specify the circumstances requiring a delay and the date that a decision is expected to be made; and (B)
                    describe any additional information needed to resolve any unresolved issues. Unless the Administrator requires additional information from the Claimant to process the claim, the review period cannot be extended beyond an additional 90
                    days unless the Claimant voluntarily agrees to a longer extension or the Administrator determines that special circumstances require a further extension. If special circumstances require a further extension, the Administrator will
                    notify the Claimant before the end of the extended review period that further additional review time is necessary. The notice will describe the special circumstances requiring a further delay and specify the date a decision is expected
                    to be made. The Administrator cannot extend the review period beyond an additional 90 days unless the Claimant voluntarily agrees to a longer extension. If the Administrator requires additional information from the Claimant to process
                    the claim and a timely notice requesting the additional information is transmitted to the Claimant, the Claimant must provide the additional information by 90 days of the date that the notice is provided, and the review period may be
                    extended accordingly.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">90</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z930120858ed1499b9da8b092b4b7351a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Notice of Denial. </font><font style="font-size: 10pt;">The notice of an adverse benefit determination will be written in a manner calculated to be understood
                    by the Claimant and will contain the following information: (A) the specific reason(s) for the denial; (B) reference to the specific Plan provisions on which the denial is based; (C) a description of any additional material or
                    information necessary for the Claimant to perfect the claim and an explanation of why such material or information is necessary; (D) a statement that the Claimant is entitled to receive, upon request and free of charge, reasonable
                    access to, and copies of, all documents, records and other information relevant to the Claimant&#8217;s claim; (E) a description of the Plan&#8217;s review (i.e., appeal) procedures, the time limits applicable to such procedures, and in the event
                    of an adverse review decision, a statement describing any voluntary review procedures and the Claimant&#8217;s right to obtain copies of such procedures; and (F) a statement that if the Claimant requests a review of the Administrator&#8217;s
                    decision and the reviewing fiduciary&#8217;s decision on review is adverse to the Claimant, there is no further administrative review following such initial review, and that the Claimant then has a right to bring a civil action under ERISA
                    Section 502(a). The notice will also include a statement advising the Claimant that, within 60 days of the date on which he receives such notice, he may obtain review of the decision of the Administrator in accordance with the
                    procedures in subparagraph (3).</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zffb8b63c337f43ccac0f2580aec69cbe" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Right to Appeal. </font><font style="font-size: 10pt;">Within the 60-day period beginning on the date the Claimant receives notice regarding disposition of
                    his claim, the Claimant or his authorized representative may request that the claim denial be reviewed by the reviewing fiduciary, by filing with the Administrator a written request for such review. The written request for such review
                    will contain the following information: (A) the date on which the Claimant&#8217;s request was received by the Administrator, provided that the date on which the Claimant&#8217;s request for review was in fact received by the Administrator will
                    control in the event that the date of the actual filing is later than the date stated by the Claimant pursuant to this paragraph; (B) the specific portions of the denial of his claim which the Claimant requests the reviewing fiduciary
                    to review; (C) a statement by the Claimant setting forth the basis upon which the Claimant believes the reviewing fiduciary should (i) reverse the previous denial by the Administrator of the Claimant&#8217;s claim for benefits, and (ii)
                    accept the Claimant&#8217;s claim as made; and (D) any written comments, documents, records, and other information (offered as exhibits) which the Claimant desires the reviewing fiduciary to examine in its consideration of the Claimant&#8217;s
                    position, without regard to whether such information was submitted or considered in the initial benefit determination.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">91</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z32a68b62a7e9447db9662d431706ef27" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iv)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Review on Appeal. </font><font style="font-size: 10pt;">Except as provided in DOL Regulation Section 2560.503-1(i)(1)(ii), within 60 days of the date
                    determined under clause (A) in subparagraph (3) (or, if special circumstances require an extension, within 120 days of that date if an extension notice is furnished to the Claimant within the initial 60-day period, indicating the
                    special circumstances requiring an extension of time and the date by which the Plan expects to render the determination on review), the reviewing fiduciary will conduct a full and fair review of the Administrator&#8217;s decision denying the
                    Claimant&#8217;s claim for benefits and will render its written decision on review to the Claimant. The review will take into account all comments, documents, records, and other information submitted by the Claimant relating to the claim,
                    without regard to whether such information was submitted or considered in the initial benefit determination. The reviewing fiduciary&#8217;s decision on review will be written in a manner calculated to be understood by the Claimant and will
                    contain the following information: (A) the specific reasons for the denial on review; (B) reference to specific Plan provisions on which the denial is based; (C) a statement that the Claimant is entitled to receive, upon request and
                    free of charge, reasonable access to, and copies of, all documents, records, and other information relevant to the Claimant&#8217;s claim; (D) a statement describing any voluntary review procedures and the Claimant&#8217;s right to obtain copies
                    thereof; and (E) a statement that the Claimant has a right to bring a civil action under ERISA Section 502(a).</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb85800b0db324395bed0055d625c3728" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(f)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Review of Disability Benefit Claims. </font><font style="font-size: 10pt;">The provisions of this paragraph (f) will apply to any claim by a Claimant for a
                    Plan benefit that is a Disability Benefit (as defined in paragraph (c) above).</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd6e93dd89e9747eab20bf6e67c0ea6ac" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Initial Denial. </font><font style="font-size: 10pt;">Whenever the Administrator decides for any reason to deny, in whole or in part, a claim for a Disability
                    Benefit filed by a Claimant, the Administrator will transmit to the Claimant a written or electronic notice (which electronic notice must comply with the standards imposed by DOL Regulation Section 2520.104b-1(c)(1)(i), (iii), and (iv))
                    of its decision within 45 days of the date the claim was filed, unless an extension of time is necessary or the Claimant voluntarily agrees to an extension. If, prior to the expiration of the initial 45-day period, the Administrator
                    determines that a decision cannot be rendered within that initial 45-day period due to matters beyond the control of the Plan, the Administrator will provide a notice to the Claimant before the end of the 45-day review period that a
                    30-day extension of time is necessary. If, prior to the end of the first 30-day extension period, the Administrator determines that a decision cannot be rendered within that first 30-day extension period due to matters beyond the
                    control of the Plan, the Administrator will provide a notice to the Claimant before the end of the first 30-day extension period that an additional 30-day extension of time is necessary. Any notice of an extension of time will (A)
                    specify the circumstances requiring the extension of time and the date a decision is expected to be rendered; (B) explain the standards on which entitlement to a Disability Benefit is based; (C) state the unresolved issues that prevent
                    a decision on the claim; and (D) describe any additional information needed to resolve those issues. If the Administrator requires additional information from the Claimant to process the claim for a Disability Benefit and a timely
                    notice requesting the additional information is transmitted to the Claimant, the Claimant must provide the additional information by 45 days of the date that the notice is provided, and the review period may be extended accordingly.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">92</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 100.95pt;">The notice requesting additional information may also serve as notice of a claim denial if the notice clearly states that unless the Claimant provides the requested information within the prescribed time
          period, the claim will be denied for failure to provide sufficient information. A combined notice must provide both the information described above and the information under Notice of Denial below. If additional information is required from the
          Claimant, the Administrator has discretion to decide whether to request the information and extend the initial review period as described in this section or, instead, to deny the claim on the basis that there is not sufficient information to
          proceed.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3292360e0ebd409b88131b7f44b15d56" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 64.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Notice of Denial. </font><font style="font-size: 10pt;">The notice of an adverse determination for a Disability Benefit will be written in a manner and will
                    contain (A) the specific reasons for the denial of the claim; (B) reference to the specific Plan provisions on which the denial is based; (C) a description of any additional material or information necessary for the Claimant to perfect
                    the claim and an explanation of why such material or information is necessary; (D) a statement that the Claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and
                    other information relevant to the Claimant&#8217;s claim; (E) either (1) if the claim denial is based on an internal rule, guideline, protocol, or other similar provision, a copy of the specific rule, guideline, protocol, or other similar
                    criterion relied upon, or (2) an affirmative statement that the claim denial is not based on an internal rule, guideline, protocol, or other similar criterion; (F) if the claim denial is based on a medical necessity or experimental
                    treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to the Claimant&#8217;s medical circumstances, or a statement that such explanation is
                    available upon request, free of charge; (G) a discussion of the decision, including an explanation for disagreeing with or not following (1) the views presented by the Claimant, of health care professionals who treated the Claimant and
                    vocational professionals who evaluated the Claimant, (2) the views of medical or vocational experts whose advice was obtained on behalf of the Plan in connection with the adverse benefit determination, without regard to whether the
                    advice was relied on in making the determination, and (3) any Disability determinations made by the Social Security Administration; (H) a description of the review (i.e., appeal) procedures, the time limits applicable to such
                    procedures, and in the event of an adverse review decision, a statement describing any voluntary review procedures and the Claimant&#8217;s right to obtain copies of such procedures; and (I) a statement that if the Claimant requests a review
                    of the Administrator&#8217;s decision and the reviewing fiduciary&#8217;s decision on review is adverse to the Claimant, that there is no further administrative review following such initial review, and that the Claimant then has a right to bring a
                    civil action under ERISA Section 502(a). The notice will also include a statement advising the Claimant that, within 180 days of the date he receives such notice, he may obtain review of the decision of the Administrator in accordance
                    with the procedures in subparagraph (3) below.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">93</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zcdf8db7301654c338e55498559bc92d2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Right to Appeal. </font><font style="font-size: 10pt;">Within the 180-day period beginning on the date the Claimant receives notice regarding disposition of
                    his claim, the Claimant or his authorized representative may request that the claim denial be reviewed by the reviewing fiduciary, by filing with the Administrator a written request for such review. The written request for such review
                    will contain the following information: (A) the date on which the Claimant&#8217;s request was received by the Administrator provided that the date on which the Claimant&#8217;s request for review was in fact received by the Administrator will
                    control in the event that the date of the actual filing is later than the date stated by the Claimant pursuant to this paragraph; (B) the specific portions of the denial of his claim which the Claimant requests the reviewing fiduciary
                    to review; (C) a statement by the Claimant setting forth the basis upon which the Claimant believes the reviewing fiduciary should (i) reverse the previous denial by the Administrator of the Claimant&#8217;s claim for benefits, and (ii)
                    accept the Claimant&#8217;s claim as made; and (D) any written comments, documents, records, and other information (offered as exhibits) which the Claimant desires the reviewing fiduciary to examine in its consideration of Claimant&#8217;s
                    position, without regard to whether such information was submitted or considered in the initial benefit determination.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3ed2c50a83d840c99d955f43e3d8c0af" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iv)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-style: italic;">Review by Alternate Fiduciary. </font><font style="font-size: 10pt;">Review of a Disability Benefit claim that has been denied in accordance with
                    subparagraphs (1) and (2) above will be conducted by a reviewing fiduciary who is neither the individual who made the adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual. The review
                    will not afford deference to the initial adverse benefit determination, but will take into account all comments, documents, records, and other information submitted by the Claimant relating to the claim, without regard to whether such
                    information was submitted or considered in the initial benefit determination. If the adverse benefit determination was based on a medical judgment, the reviewing fiduciary will consult with an appropriate health care professional who
                    (A) was not consulted on the original adverse benefit determination, (B) is not subordinate to someone who was consulted on the original adverse benefit determination, and (C) has appropriate training and experience in the field of
                    medicine involved in the medical judgment. The reviewing fiduciary will either (1) provide the Claimant with a list of any medical or vocational experts whose advice was obtained on the original adverse benefit determination, without
                    regard to whether the advice was relied upon in making the benefit determination or (2) notify the Claimant that he or she may request, in writing, a list of such experts.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">94</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z347eb12ffcc04006a1488c0a5fa77668" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 65pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(v)</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;">
                  <div style="font-size: 10pt;"><font style="font-style: italic;">Review on Appeal. </font>Except as provided in DOL Regulation Section 2560.503-1(i)(3)(ii), within 45 days of the date determined under clause (A) in subparagraph (3) (or,
                    if special circumstances require an extension, within 90 days of that date; provided that an extension notice is furnished to the Claimant within the initial 45-day period, which extension notice will indicate the special circumstances
                    requiring an extension of time and the date by which the Plan expects to render the determination on review), the reviewing fiduciary will conduct a full and fair review of the Administrator&#8217;s decision denying the Claimant&#8217;s claim for
                    benefits and will render its written decision on review to the Claimant. If the reviewing fiduciary anticipates denying the Claimant&#8217;s appeal, whether in whole or in part, based on new or additional evidence or a new or additional
                    rationale, the reviewing fiduciary must provide the Claimant with (i) the new or additional evidence considered, relied upon, or generated by or at the direction of the Plan, the insurer, the reviewing fiduciary, or any other person
                    making the benefit determination and/or (ii) the new or additional rationale for the determination. The information must be provided free of charge and as soon as possible to provide the Claimant a reasonable opportunity to review the
                    information and submit a response before the reviewing fiduciary is required to render its decision. The review will take into account all comments, documents, records, and other information submitted by the Claimant relating to the
                    claim, without regard to whether such information was submitted or considered in the initial benefit determination. The reviewing fiduciary&#8217;s decision will be provided in a culturally and linguistically appropriate manner and contain
                    the following information: (A) the specific reason(s) for the denial on review; (B) reference to specific Plan provisions on which the denial is based; (C) a statement that the Claimant is entitled to receive, upon request and free of
                    charge, reasonable access to, and copies of, all documents, records, and other information relevant to the Claimant&#8217;s claim; (D) either (1) if the claim denial is based on an internal rule, guideline, protocol, or other similar
                    criterion, either the specific rule, guideline, protocol, or other similar criterion or a statement that such rule, guideline, protocol, or other similar criterion was relied upon in making the adverse determination and that a copy of
                    the rule, guideline, protocol, or other similar criterion is available upon request, free of charge or (2) an affirmative statement that the claim denial is not based on an internal rule, guideline, protocol, or other similar criterion;
                    (E) if the claim denial is based on a medical necessity or experimental treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to the
                    Claimant&#8217;s medical circumstances, or a statement that such explanation is available upon request, free of charge; (F) a discussion of the decision, including an explanation for disagreeing with or not following (1) the views presented
                    by the Claimant, of health care professionals who treated the Claimant and vocational professionals who evaluated the Claimant; (2) the views of medical or vocational experts whose advice was obtained on behalf of the Plan in connection
                    with the adverse benefit determination, without regard to whether the advice was relied on in making the determination; and (3) any Disability determinations made by the Social Security Administration; (G) a statement describing any
                    voluntary review procedures and the Claimant&#8217;s right to obtain copies of such procedures; and (H) a statement that the Claimant has a right to bring a civil action under ERISA Section 502(a). </div>
                </div>
              </td>
            </tr>

        </table>
        <br>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">95</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z49d40fa8371046a1a98d3c6c3577e262" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">18.5</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Exhaustion of Remedies</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">No civil action for benefits under the Plan shall be brought unless and until the aggrieved person has (a) submitted a timely claim for benefits in accordance with this Article, (b) been notified by the
          Administrator that the claim has been denied (or such claim is deemed denied), (c) filed a written request for a review of the claim in accordance with this Article, (d) been notified in writing of an adverse benefit determination on review, and
          (e) filed the civil action within 1 year of the date he receives a final adverse determination of his claim on review.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z0f2922e4f12f43f39cbe90ef790609ae" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250042"></a><font style="font-weight: bold;">18.6</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Grounds for Judicial Review</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Any civil action by an aggrieved person shall be based solely on the contentions advanced by the aggrieved person in the administrative review process and the judicial review will be limited to the Plan
          document and the record developed during the administrative review process.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z1a874eb62ab24e699f65ba3c85ed8890" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250041"></a><font style="font-weight: bold;">18.7</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Qualified Domestic Relations Orders</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Sponsor shall establish reasonable procedures to determine the status of domestic relations orders and to administer distributions under domestic relations orders which are deemed to be qualified orders.
          Such procedures shall be in writing and shall comply with the provisions of Code Section 414(p) and regulations issued thereunder.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">96</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z83359c217356455a96a7cfe83e7f76aa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">18.8</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Correction of Erroneous Payments and Overpayments</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If payment is made from the Plan to any individual to whom no payment should have been made or the amount paid to an individual exceeds the amount to which such individual is entitled under the Plan, the Plan
          has an equitable lien on the erroneous payment or the overpayment. The Administrator will correct the erroneous payment or the overpayment in accordance with the requirements of the Employee Plans Compliance Resolution System (EPCRS) program.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z7968cb5ccdcc4885a76866e9e35dbf70" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250039"></a><font style="font-weight: bold;">18.9</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Employee Benefits Committee</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">There shall be an Employee Benefits Committee (&#8220;Committee&#8221;), consisting of one or more individuals appointed by the Sponsor, which shall be the Administrator for purposes of the Plan. Any member of the
          Committee may resign from the Committee upon at least 60 days&#8217; prior written notice to the Sponsor (or such shorter period as may be acceptable to the Sponsor) and may be removed from the Committee at any time by the Sponsor. Unless otherwise
          provided by the Sponsor, any member of the Committee who is an Employee of an Employer or a Related Employer shall be automatically removed as a member of the Committee upon his termination of service as an Employee.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">If more than two members of the Committee are in office, the Committee shall act by a majority of its members at the time in office, and such action may be taken either by a vote at a meeting or in writing
          without a meeting. However, if less than three members are in office, the Committee shall act only upon the unanimous consent of its members.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Committee may authorize in writing any person to execute any document or documents on its behalf, and any interested person, upon receipt of notice of such authorization directed to it, may thereafter
          accept and rely upon any document executed by such authorized person until the Committee shall deliver to such interested person a written revocation of such authorization.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">The Committee shall have the power to delegate fiduciary responsibilities (other than trustee responsibilities defined under ERISA Section 405(c)(3)) to one or more persons who are not members of the Committee
          and to allocate its fiduciary responsibilities among its members.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb7da0e31b0a64a8887d9c52ff34e0647" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250038"></a><font style="font-weight: bold;">18.10</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Actions Binding</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the provisions of Section 18.4, any action taken by the Sponsor or the Administrator which is authorized, permitted, or required under the Plan shall be final and binding upon the Employers, the
          Trustee, all persons who have or who claim an interest under the Plan, and all third parties dealing with the Employers or the Trustee.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">97</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z627dfd7f7cd54f0f96ad9da4ce174570" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">18.11</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Disaster Relief Policy</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Plan may, pursuant to a written policy established by the Administrator, grant temporary disaster relief to affected Participants pursuant to any applicable statute enacted by the government of the United
          States or pursuant to any applicable guidance promulgated by an authorized department or agency of the government of the United States. Such administrative policy may include, but will not be limited to, provisions which, to the extent permitted
          by law, (a) increase the statutory limits on, delay the repayment of, and/or waive the adequate security requirement for, Participant loans; (b) permit the Plan to disregard any procedural requirements, including the consent of the Participant&#8217;s
          Spouse, if any, so long as the Administrator makes a good faith effort under the circumstances to comply with the requirements and makes a reasonable attempt to assemble any required documentation as soon as practical thereafter; and/or (c)
          permits the re-contribution by Participants of prior disaster distributions to the Plan.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">In order to make a loan or distribution (including a hardship distribution), a qualified plan must contain language authorizing such loan or distribution. For this purpose, a &#8220;qualified plan&#8221; means a plan or
          contract meeting the requirements of Code Section 401(a), 403(a) or 403(b), and for purposes of hardship relief, that could, if it contained enabling language, make hardship distributions. All loans must meet the requirements of Code Section
          72(p). Plans wishing to make a loan or distribution that do not contain such language must be amended no later than the date promulgated by official notice or announcement and must make a reasonable attempt to assemble any forgone documentation
          that would be normally required for such loans or distributions.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">98</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="font-weight: bold; text-align: center;"><a name="z_TOC_250036"></a>ARTICLE XIX </div>
        <div style="font-weight: bold; text-align: center;">AMENDMENT AND TERMINATION</div>
        <div style="text-align: center;">&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z4b30f47721d0438087e7e78eafe34221" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250035"></a><font style="font-weight: bold;">19.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Amendment by the Mass Submitter</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the requirements and limitations set forth in this Article, the Mass Submitter may amend any part of the Basic Plan Document. For purposes of this Plan, the Mass Submitter is Document Agility, Inc.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z358500047ff34a4997bf3cc72f8e0881" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250034"></a><font style="font-weight: bold;">19.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Amendment by Plan Sponsor</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the provisions of Section 19.4, the Sponsor may at any time and from time to time amend the Plan, either prospectively or retroactively. Any such amendment shall be made by means of a written
          instrument executed in the name of the Sponsor by its duly authorized representatives. Subject to the requirements and limitations set forth herein, the Sponsor can amend the Plan in the following manner without affecting the Plan&#8217;s status as a
          Pre-Approved Defined Contribution Plan: (1) changing any optional selections under the Plan, including any effective date of a provision as permitted under the Plan; (2) adding additional language where authorized under the Plan, including
          language necessary to satisfy Code Section 415 or Code Section 416 due to the required aggregation of multiple plans; (3) changing the addendums to the Plan from time to time without having to re-execute the Plan; (4) adopting any model, sample
          and/or &#8220;good faith&#8221; amendments promulgated/suggested by the IRS, for which the IRS has provided guidance that their adoption will not cause the Plan to lose reliance on the Opinion Letter and to be treated as an individually designed plan; (5)
          adopting any amendments that it deems necessary to resolve qualification failures under any Employee Plans Compliance Resolution System (EPCRS) promulgated by the Internal Revenue Service; (6) adopting an amendment to cure a coverage or
          nondiscrimination testing failure, as permitted under applicable Regulations; and (7) amending administrative provisions of the Plan relating to investments, plan claim procedures, and Employer contact information provided the amended provisions
          are not in conflict with any other provision of the Plan and do not cause the Plan to fail to qualify under Code Section 401; (8) amending to adjust for limitations provided under Code Section 415, Section 402(g), Section 401(a)(17) and Section
          414(q)(1)(B) to reflect annual cost-of-living increases, other than to add automatic cost-of-living adjustments to the plan; and (9) making interim amendment or discretionary amendment that are related to a change in qualification requirements.
          The ability to amend the Plan as authorized under this Section applies only to the sponsoring Employer that executes the signature page of the Plan. Any amendment to the Plan by the Plan Sponsor under this Section applies to any Affiliated
          Employer that participates under the Plan as an Adopting Employer. The Plan Sponsor&#8217;s amendment of the Plan from one type of defined contribution plan into another type of defined contribution plan will not result in a partial termination or any
          other event that would require full vesting of some or all Plan Participants. A Plan Sponsor that amends the Plan for any other reason will no longer have reliance on the Opinion Letter, however, in the cases where the Employer is switching from
          an individually-designed plan or from one Pre-Approved Defined Contribution Plan to another, a list of Code Section 411(d)(6) protected benefits will not be considered an impermissible amendment to the Plan. </div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">99</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z4124213ff6ba47ab80599e8b94465afa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top; font-weight: bold;">19.3</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Amendment by Provider</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Subject to the requirements and limitations set forth in subparagraphs (a), (b) and (c) below, the Provider may amend any part of the Plan without the consent of the Plan Sponsor or any Adopting Employer and
          without the necessity of re-execution of the Plan by the Sponsoring Employer. The Provider will provide each Plan Sponsor with a copy of any such amendment either by providing a copy of the amendment, by providing substitute or additional pages,
          or by providing a restated Plan. For purposes of amendments made by the Provider, the Plan Sponsor can override any such amendment by executing another amendment by the end of the applicable remedial amendment period that applies to such
          amendment.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd6d3e8f7264346759e2a51fbc34acb12" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Any Plan amendments adopted by the Provider will amend the Plan on behalf of all adopting Employers (including those Employers who have adopted the Plan prior to such amendment) for changes in the Code, the Regulations, revenue
                  rulings, other statements published by the Internal Revenue Service (including model, sample or other required good faith amendments, but only if their adoption will not cause the Plan to be individually designed), and for corrections of
                  prior approved plans. These amendments will be applied to all Employers who have adopted the Plan.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z27c1f6a15e2241dcab5f57a7873acbed" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Provider may amend any part of the Plan, however, for purposes of reliance on an Opinion Letter, the Provider will no longer have authority to amend the Plan on behalf of an adopting Employer as of the date (A) the date the
                  Internal Revenue Service requires the Employer to file Form 5300 as an individually designed plan as a result of an Employer amendment the Employer amend the Plan to incorporate a type of plan not allowed in the Pre-Approved Defined
                  Contribution Plan program, as described in section 6.03 of Revenue Procedure 2017-41, or (B) the Internal Revenue Service notifies the Employer, in accordance with section 8.06(3) of Revenue Procedure 2017-41 that date the Plan is
                  otherwise considered an individually designed plan due to the nature and extent of the amendments. For the purposes of Provider amendments, the Mass Submitter shall be recognized as the agent of the Provider. If the Provider does not
                  adopt the amendments made by the Mass Submitter, it will no longer be identical to or a minor modifier of the Mass Submitter Plan.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">100</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z44bf70d6112c4ceca63b478f1a7a6f86" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Provider will maintain, or have maintained on its behalf, a record of the Employers that have adopted the Plan, and will make reasonable and diligent efforts to ensure that each adopting Employer has actually received and is aware
                  of all Plan amendments and that each such Employer adopts new documents when necessary. Notwithstanding the foregoing, where this Plan is not provided to the Plan Sponsor directly by the Provider&#8217;s but rather by a third party such as a
                  law firm, an actuarial firm, an insurance company, an accounting firm, or a third party administration firm, the responsibility to make reasonable and diligent efforts to ensure that each adopting Employer has actually received and is
                  aware of all amendments and that each such Employer adopts new documents when necessary will be the responsibility of such third party, and the Provider&#8217;s responsibility will be limited to making reasonable and diligent efforts to ensure
                  that such third party is aware of all Plan amendments. However, the Provider will have no further obligations under this subparagraph after such third party terminates its business relationship with the Provider, in which case the terms
                  of Section 19.9 will apply.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">For purposes of this section, the term <font style="font-weight: bold;">&#8220;Mass Submitter&#8221; </font>means a person, firm or organization meeting the requirements of Section 4.04 and Section 10 of Revenue
          Procedure 2017-41.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">For purposes of this section, the term <font style="font-weight: bold;">&#8220;Provider&#8221; </font>means any person that (1) has an established place of business in the United States where it is accessible during
          every business day, and (2) represents to the IRS in its application for an Opinion Letter that it has at least 15 employer-clients, each of which is reasonable expected to adopt the same Pre-Approved Plan of the Provider. By submitting an
          application for Opinion Letter for a Pre-Approved Plan, the Provider agrees to comply with any requirements imposed by Revenue Procedure 2017-41, as may be amended, with the understanding that failure to comply may result in the loss of
          eligibility to offer such Pre-Approved Plans and the revocation of Opinion Letters that have been issued to the Provider. The Provider of this Pre-Approved Defined Contribution Plan is defined at Section 1.1.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The term <font style="font-weight: bold;">&#8220;Opinion Letter&#8221; </font>means a non-transferrable written statement issued by the Internal Revenue Service (IRS) to a Provider or Mass Submitter as to the
          qualification in form of a plan under Code Section 401, Section 403(a) or both Section 401 and Section 4975(e)(7). Opinion Letters do not constitute rulings or determinations as to the exempt status of related trusts or custodial accounts under
          Code Section 501(a) or Title I issues administered by the Department of Labor (DOL). Adopting Employers may generally rely on the Plan&#8217;s Opinion Letter as evidence that the Plan is qualified under Code Section 401 only to the extent provided in
          Revenue Procedure 2017-41 and provided such Employer has not amended the Plan other than to choose options provided under the Plan or to make amendments as permitted. The Employer may not rely on the Opinion Letter in certain other circumstances
          or with respect to certain qualification requirements, which are specified in the Opinion letter issued with respect to the Plan and in Revenue Procedure 2017-41.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The term <font style="font-weight: bold;">&#8220;Pre-Approved Defined Contribution Plan&#8221; </font>means a plan, the form of which is the subject of a favorable Opinion Letter from the Internal Revenue Service.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">101</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd01600172ef9483bb0871bacb2719121" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250032"></a><font style="font-weight: bold;">19.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Limitation on Amendment</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">No amendment to the Plan shall be effective to the extent that it has the effect of decreasing a Participant&#8217;s accrued benefit. This includes a Plan amendment that decreases a Participant&#8217;s accrued benefit, or
          otherwise places greater restrictions or conditions on a Participant&#8217;s rights to Code Section 411(d)(6) protected benefits, even if the amendment merely adds a restriction or condition that is permitted under the vesting rules in Code Section
          411(a)(3) through (11). Notwithstanding the preceding sentence, a Participant&#8217;s account balance may be reduced to the extent permitted under Code Section 412(d)(2) or to the extent permitted under Regulations Sections 1.411(d)- 3 and 1.411(d)-4.
          For purposes of this paragraph, a Plan amendment which has the effect of decreasing a Participant&#8217;s account balance, with respect to benefits attributable to service before the amendment, shall be treated as reducing an accrued benefit.
          Furthermore, if the vesting schedule of a Plan is amended, in the case of an Employee who is a Participant as of the later of the date such amendment is adopted or the date it becomes effective, the nonforfeitable percentage (determined as of
          such date) of such Employee&#8217;s Employer-derived accrued benefit will not be less than the percentage computed under the Plan without regard to such amendment.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">No amendment to the Plan shall be effective to eliminate or restrict an optional form of benefit. The preceding sentence shall not apply to a Plan amendment that eliminates or restricts the ability of a
          Participant to receive payment of his or her account balance under a particular optional form of benefit if the amendment provides a single-sum distribution form that is otherwise identical to the optional form of benefit being eliminated or
          restricted. For this purpose, a single-sum distribution form is otherwise identical only if the single-sum distribution form is identical in all respects to the eliminated or restricted optional form of benefit (or would be identical except that
          it provides greater rights to the Participant) except with respect to the timing of payments after commencement.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zeb457d23e236439fb272172c1adf01f8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250031"></a><font style="font-weight: bold;">19.5</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Termination</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Sponsor reserves the right, by board of directors&#8217; resolution or similar action, to terminate the Plan as to all Employers at any time (the effective date of such termination being hereinafter referred to
          as the &#8220;termination date&#8221;). Upon any such termination of the Plan, the following actions shall be taken for the benefit of Participants and Beneficiaries:</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z54def19d7ba74301bf4f96ab16f05629" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>As of the termination date, each Investment Fund shall be valued and all Accounts and Sub-Accounts shall be adjusted in the manner provided in Article XI, with any unallocated contributions or forfeitures being allocated as of the
                  termination date in the manner otherwise provided in the Plan. The termination date shall become a Valuation Date for purposes of Article XI. In determining the net worth of the Trust, there shall be included as a liability such amounts
                  as shall be necessary to pay all expenses in connection with the termination of the Trust and the liquidation and distribution of the property of the Trust, as well as other expenses, whether or not accrued, and shall include as an asset
                  all accrued income.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">102</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zded04e91d7c4477aaa10307255f8657d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>All Accounts shall then be disposed of to or for the benefit of each Participant or Beneficiary in accordance with the provisions of Article XV as if the termination date were his Settlement Date; provided, however, that
                  notwithstanding the provisions of Article XV, if the Plan does not offer an annuity option and if neither his Employer nor a Related Employer establishes or maintains another defined contribution plan (other than an employee stock
                  ownership plan as defined in Code Section 4975(e)(7)), the Participant&#8217;s written consent to the commencement of distribution shall not be required regardless of the value of the vested portions of his Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1eac61bdb11a4144bcab0ac28493efb9" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Notwithstanding the provisions of paragraph (b) of this Section, no distribution shall be made to a Participant of any portion of the balance of his 401(k) Contributions Sub-Account on account of Plan termination (other than a
                  distribution made in accordance with Article XIII or required in accordance with Code Section 401(a)(9)) unless (i) neither his Employer nor a Related Employer establishes or maintains another defined contribution plan (other than an
                  employee stock ownership plan as defined in Code Section 4975(e)(7), a tax credit employee stock ownership plan as defined in Code Section 409, a simplified employee pension as defined in Code Section 408(k), a SIMPLE IRA plan as defined
                  in Code Section 408(p), a plan or contract that meets the requirements of Code Section 403(b), or a plan that is described in Code Section 457(b) or (f)) either at the time the Plan is terminated or at any time during the period ending 12
                  months after distribution of all assets from the Plan; provided, however, that this provision shall not apply if fewer than 2% of the Eligible Employees under the Plan were eligible to participate at any time in such other defined
                  contribution plan during the 24 month period beginning 12 months before the Plan termination, and (ii) the distribution the Participant receives is a &#8220;lump sum distribution&#8221; as defined in Code Section 402(e)(4), without regard to clauses
                  (I), (II), (III), and (IV) of sub paragraph (D)(i) thereof.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding anything to the contrary contained in the Plan, upon any such Plan termination, the vested interest of each Participant and Beneficiary in his Employer Contributions Sub-Account shall be 100%;
          and, if there is a partial termination of the Plan, the vested interest of each Participant and Beneficiary who is affected by the partial termination in his Employer Contributions Sub-Account shall be 100%. For purposes of the preceding sentence
          only, the Plan shall be deemed to terminate automatically if there shall be a complete discontinuance of contributions hereunder by all Employers.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">103</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" id="z9d0e183740274f4ea8544eb925307430">

              <tr>
                <td style="width: 29pt;"><br>
                </td>
                <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250030"></a><font style="font-weight: bold;">19.6</font></td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-weight: bold;">Inability to Locate Payee on Plan Termination</div>
                </td>
              </tr>

          </table>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If distribution of a Participant&#8217;s Account is to be made to the Participant, his Beneficiary, or an alternate payee under a qualified domestic relations order (a &#8220;payee&#8221;) on account of the termination of the
          Plan, and such payee does not present himself to the Administrator within a reasonable period after the Administrator mails written notice of his eligibility to receive a distribution hereunder to his last known address and makes such other
          diligent effort to locate the person as the Administrator determines, distribution of such Account shall be made at the direction of the Administrator through a direct rollover to an individual retirement plan established on behalf of the payee
          with a provider selected by the Administrator, purchase of an annuity contract on behalf of the payee, transfer to another &#8220;eligible retirement plan&#8221;, as defined in the Section of Article XVI entitled &#8220;Direct Rollovers&#8221;, or payment to the Pension
          Benefit Guaranty Corporation missing participant program.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb59fe461c95a4c8b994d52d1ce3d8abf" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250029"></a><font style="font-weight: bold;">19.7</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Reorganization</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The merger, consolidation, or liquidation of any Employer with or into any other Employer or a Related Employer shall not constitute a termination of the Plan as to such Employer.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf551a8bc47314bc4b1dd22b49e520199" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250028"></a><font style="font-weight: bold;">19.8</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Withdrawal of an Employer</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">An Employer other than the Sponsor may, with the consent of the Sponsor, withdraw from the Plan and shall thereupon cease to be an Employer for all purposes of the Plan. Subject to Section 19.7 and unless the
          Sponsor otherwise directs, an Employer shall be deemed automatically to withdraw from the Plan if it ceases to be a Related Employer of the Sponsor or any other Employer.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf20bd59d0cc6458f8bfff1863c5a0dc3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250027"></a><font style="font-weight: bold;">19.9</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Loss of Pre-Approved Plan Status</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any provision in this Plan to the contrary, if this Plan is provided to the Plan Sponsor by a third party (e.g., a law firm, an actuarial firm, an insurance company, an accounting firm, a third
          party administration firm, etc.) rather than by the Provider directly, and (a) such third party subsequently terminates its business relationship with the Provider for any reason, or (b) the Provider subsequently terminates its business
          relationship with such third party for any reason, or (c) the Plan Sponsor subsequently terminates its business relationship with such third party, then this Plan will no longer be considered a Pre-Approved Defined Contribution Plan, but rather
          will be considered an individually designed plan, and the Provider will have no further responsibilities or obligations with respect to the Plan or the Plan Sponsor.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">104</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="font-weight: bold; text-align: center;"><a name="z_TOC_250026"></a>ARTICLE XX</div>
        <div style="font-weight: bold; text-align: center;"> ADOPTION BY OTHER ENTITIES</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="za821b64179bd4e99bbc36c04cc4dbdd1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250025"></a><font style="font-weight: bold;">20.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Adoption by Related Employers</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">A Related Employer may, with the consent of the Sponsor, adopt the Plan and become an Employer.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3d25442bef134ea2be034bf85637d7c6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250024"></a><font style="font-weight: bold;">20.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Effective Plan Provisions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">An Employer who adopts the Plan shall be bound by the provisions of the Plan in effect at the time of the adoption and as subsequently in effect because of any amendment to the Plan.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">105</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="font-weight: bold; text-align: center;"><a name="z_TOC_250023"></a>ARTICLE XXI</div>
        <div style="font-weight: bold; text-align: center;"> MISCELLANEOUS PROVISIONS</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z55b23059994648d088cc0989fa3fc171" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250022"></a><font style="font-weight: bold;">21.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">No Commitment as to Employment</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Nothing contained herein shall be construed as a commitment or agreement upon the part of any person to continue his employment with an Employer or Related Employer, or as a commitment on the part of any
          Employer or Related Employer to continue the employment, compensation, or benefits of any person for any period.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1e382b055b894d95bd2e289f10597b1a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250021"></a><font style="font-weight: bold;">21.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Benefits</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Nothing in the Plan nor the Trust Agreement shall be construed to confer any right or claim upon any person, firm, or corporation other than the Employers, the Trustee, Participants, and Beneficiaries.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb425ecd9be604d479dff0a6d2132c506" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250020"></a><font style="font-weight: bold;">21.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">No Guarantees</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Employers, the Administrator, and the Trustee do not guarantee the Trust from loss or depreciation, nor do they guarantee the payment of any amount which may become due to any person hereunder.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf6044780f97e4763b37c81e8b3a73528" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250019"></a><font style="font-weight: bold;">21.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Expenses</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The expenses of operation and administration of the Plan, including the expenses of the Administrator and fees of the Trustee, shall be paid from the Trust, unless the Sponsor elects to make payment.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, the costs incident to the management of the assets of an Investment Fund or to the purchase or sale of securities held in an Investment fund shall be allocable to Accounts
          invested in such Investment Fund. Further, the Sponsor may direct that expenses that are incurred directly with respect to an individual Participant&#8217;s Account shall be paid from that Account.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z6260b93c8c0e40c6aefad1bf89c19216" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250018"></a><font style="font-weight: bold;">21.5</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Precedent</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Except as otherwise specifically provided, no action taken in accordance with the Plan shall be construed or relied upon as a precedent for similar action under similar circumstances.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">106</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3423f93a120841279a64e2dedf6a54d3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250017"></a><font style="font-weight: bold;">21.6</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Duty to Furnish Information</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Employers, the Administrator, and the Trustee shall furnish to any of the others any documents, reports, returns, statements, or other information that the other reasonably deems necessary to perform its
          duties hereunder or otherwise imposed by law.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z60bde9f41e32421a8ddb66e6a41343ff" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250016"></a><font style="font-weight: bold;">21.7</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Merger, Consolidation, or Transfer of Plan Assets</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Plan shall not be merged or consolidated with any other plan, nor shall any of its assets or liabilities be transferred to another plan, unless, immediately after such merger, consolidation, or transfer of
          assets or liabilities, each Participant in the Plan would receive a benefit under the Plan which is at least equal to the benefit he would have received immediately prior to such merger, consolidation, or transfer of assets or liabilities
          (assuming in each instance that the Plan had then terminated).</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf795b6c13710463b8114adfb60c18a98" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250015"></a><font style="font-weight: bold;">21.8</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Condition on Employer Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding anything to the contrary contained in the Plan or the Trust Agreement, any contribution of an Employer hereunder is conditioned upon the continued qualification of the Plan under Code Section
          401(a), the exempt status of the Trust under Code Section 501(a), and the deductibility of the contribution under Code Section 404. Except as otherwise provided in this Section and Section 21.9, however, in no event shall any portion of the
          property of the Trust ever revert to or otherwise inure to the benefit of an Employer or any Related Employer.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z5b53c682965242d9be3b095b1789fe2d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250014"></a><font style="font-weight: bold;">21.9</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Return of Contributions to an Employer</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan or the Trust Agreement to the contrary, in the event any contribution of an Employer made hereunder:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc5ca969bfa5643fcb03b688dffa26e6e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>is made under a mistake of fact, or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zb1d80942bfbd43fbb16b9a4988dca200" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>is disallowed as a current deduction under Code Section 404,</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">such contribution, reduced for any losses experienced by the Trust Fund, may be returned to the Employer within one year after the payment of the contribution or the disallowance of the deduction to the extent
          disallowed, whichever is applicable. If the contribution is returned because of a mistake of fact, the amount returned will be reduced for any losses experienced by the Trust Fund. In the event the Plan does not initially qualify under Code
          Section 401(a), any contribution of an Employer made hereunder may be returned to the Employer within one year of the date of denial of the initial qualification of the Plan, but only if an application for determination was made within the period
          of time prescribed under ERISA Section 403(c)(2)(B).</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">107</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z7c3ffca3b9a14716bc77c7ffdfe0b470" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250013"></a><font style="font-weight: bold;">21.10</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Validity of Plan</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The validity of the Plan shall be determined, and the Plan shall be construed and interpreted in accordance with the laws of the state or commonwealth in which the Sponsor has its principal place of business,
          except as preempted by applicable Federal law. The invalidity or illegality of any provision of the Plan shall not affect the legality or validity of any other part thereof.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z1ad70e301fed47aa89ca1d0fdb91ff81" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250012"></a><font style="font-weight: bold;">21.11</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Trust Agreement</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Trust Agreement and the Trust maintained thereunder shall be deemed to be a part of the Plan as if fully set forth herein and the provisions of the Trust Agreement are hereby incorporated by reference into
          the Plan.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z22af7d76e8914247be6ba6e908286614" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250011"></a><font style="font-weight: bold;">21.12</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Parties Bound</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Plan shall be binding upon the Employers, all Participants and Beneficiaries hereunder, and, as the case may be, the heirs, executors, administrators, successors, and assigns of each of them.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z8459decaccda4b519b49f6e6980929e8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250010"></a><font style="font-weight: bold;">21.13</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Application of Certain Plan Provisions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">For purposes of the general administrative provisions and limitations of the Plan, a Participant&#8217;s Beneficiary or alternate payee under a qualified domestic relations order shall be treated as any other person
          entitled to receive benefits under the Plan. Upon any termination of the Plan, any such Beneficiary or alternate payee under a qualified domestic relations order who has an interest under the Plan at the time of such termination, which does not
          cease by reason thereof, shall be deemed to be a Participant for all purposes of the Plan. A Participant&#8217;s Beneficiary, if the Participant has died, or alternate payee under a qualified domestic relations order shall be treated as a Participant
          for purposes of directing investments as provided in Article X.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd4ca231c285c4da6bdeb5c2709e6fe40" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250009"></a><font style="font-weight: bold;">21.14</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Merged Plans</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">In the event another defined contribution plan (the &#8220;merged plan&#8221;) is merged into and made a part of the Plan. In no event shall a Participant&#8217;s vested interest in his Sub- Account attributable to amounts
          transferred to the Plan from the &#8220;merged plan&#8221; (his &#8220;transferee Sub-Account&#8221;) on and after the merger be less than his vested interest in his account under the &#8220;merged plan&#8221; immediately prior to the merger. Notwithstanding any other provision of
          the Plan to the contrary, a Participant&#8217;s service credited for eligibility and vesting purposes under the &#8220;merged plan&#8221; as of the merger, if any, shall be included as Eligibility and Vesting Service under the Plan to the extent Eligibility and
          Vesting Service are credited under the Plan. Special provisions applicable to a Participant&#8217;s &#8220;transferee Sub-Account&#8221;, if any, shall be specifically reflected in the Plan or in an Addendum or Appendix to the Plan.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">108</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="za13a123e87474b4caad01028f2e4b17c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250008"></a><font style="font-weight: bold;">21.15</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Transferred Funds</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If funds from another qualified plan are transferred or merged into the Plan, such funds shall be held and administered in accordance with any restrictions applicable to them under such other plan to the
          extent required by law and shall be accounted for separately to the extent necessary to accomplish the foregoing.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z256886088a5e466dbeed6cc3c05cc179" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250007"></a><font style="font-weight: bold;">21.16</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Veterans Reemployment Rights</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, contributions, benefits, and service credit with respect to qualified military service shall be provided in accordance with Code Section 414(u).
          Any contributions required to be made in accordance with this Section shall be contributed to the Plan within the time period prescribed under applicable regulations or other guidance. Any Matching Contributions required to be made because of
          401(k) Contributions made by a Participant in accordance with the provisions of Code Section 414(u), shall be contributed to the Plan as soon as administratively practicable after the date on which the Participant&#8217;s contributions are paid to the
          Plan. The Administrator shall notify the Trustee of any Participant with respect to whom additional contributions are made because of qualified military service. Additional contributions made in accordance with the provisions of this Section that
          are treated as 401(k) Contributions shall not be included in applying the limitations on 401(k) Contributions described in Article VII. In addition, any Matching Contributions required to be made because of 401(k) Contributions made by a
          Participant in accordance with the provisions of Code Section 414(u), shall not be included in applying the limitations on Matching Contributions described in Article VII.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If a Participant who is absent from employment as a Covered Employee because of military service dies while performing qualified military service (as defined in Code Section 414(u)), the Participant shall be
          treated as having returned to employment as a Covered Employee on the day immediately preceding his death for purposes of determining the Participant&#8217;s vested interest in his Account and his Beneficiary&#8217;s eligibility for a death benefit under the
          Plan. Notwithstanding the foregoing, such a Participant shall not be entitled to additional contributions with respect to his period of military leave.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A Participant who becomes disabled while performing qualified military service shall be credited with Vesting Service for his period of military leave as if he returned to employment immediately prior to the
          date he became disabled and then terminated employment on his disability date. Notwithstanding the foregoing, such a Participant shall not be entitled to any additional contributions with respect to his period of military leave.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">109</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd95812e7abae4d6aa71820df2536d883" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250006"></a><font style="font-weight: bold;">21.17</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Delivery of Cash Amounts</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">To the extent that the Plan requires the Employers to deliver cash amounts to the Trustee, such delivery may be made through any means acceptable to the Trustee, including wire transfer.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd11b298e286d49229b6f5984d565d861" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250005"></a><font style="font-weight: bold;">21.18</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Written Communications</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Any communication among the Employers, the Administrator, the Investment Fiduciary, and the Trustee that is stipulated under the Plan to be made in writing may be made in any medium that is acceptable to the
          receiving party and permitted under applicable law. In addition, any communication or disclosure to or from Participants and/or Beneficiaries that is required under the terms of the Plan to be made in writing may be provided in any other medium
          (electronic, telephonic, or otherwise) that is acceptable to the Administrator and permitted under applicable law.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z85a2d6b5a51d44539d765d3bf3661cdb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 28.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;"><a name="z_TOC_250004"></a><font style="font-weight: bold;">21.19</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Plan Correction Procedures</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The Employer shall take such action as it deems necessary to correct any Plan failure, including, but not limited to, omission of an Eligible Employee, inclusion of an ineligible Employee, operational
          failures, documentation failures (such as a failure to timely amend), failures affecting Plan qualification, etc. as required by the Employee Plans Compliance Resolution System, as set forth in Revenue Procedure 2016-51, or any superseding
          guidance (&#8220;EPCRS&#8221;).</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">In the event of a fiduciary breach or a prohibited transaction, correction shall be made in accordance with the requirements of ERISA and the Code.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">110</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">ARTICLE XXII</div>
        <div style="text-align: center; font-weight: bold;">TOP-HEAVY PROVISIONS</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0d7a93f4847346728d1b9032de4e1ccd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250003"></a><font style="font-weight: bold;">22.1</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Definitions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">For purposes of this Article, the following terms shall have the following meanings:</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">compensation</font>&#8221; of an employee means his &#8220;415 compensation&#8221; as defined in Section 7.1.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">determination date</font>&#8221; with respect to any Plan Year means the last day of the preceding Plan Year, except that the &#8220;determination date&#8221; with respect to the first Plan
          Year of the Plan, shall mean the last day of such Plan Year.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">key employee</font>&#8221; means any Employee or former Employee (including any deceased Employee) who at any time during the Plan Year that includes the &#8220;determination date&#8221; was
          an officer of an Employer or a Related Employer having annual &#8220;compensation&#8221; greater than $165,000 (as adjusted under Section 416(i)(1) of the Code for Plan Years beginning after December 31, 2012), a 5% owner of an Employer or a Related
          Employer, or a 1% owner of an Employer or a Related Employer having annual &#8220;compensation&#8221; of more than $150,000.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">non-key employee</font>&#8221; means any Employee who is not a &#8220;key employee&#8221;.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">permissive aggregation group</font>&#8221; means those plans included in each Employer&#8217;s &#8220;required aggregation group&#8221; together with any other plan or plans of the Employer or any
          Related Employer, so long as the entire group of plans would continue to meet the requirements of Code Sections 401(a)(4) and 410.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">required aggregation group</font>&#8221; means the group of tax-qualified plans maintained by an Employer or a Related Employer consisting of each plan in which a &#8220;key employee&#8221;
          participates or participated at any time during the Plan Year containing the &#8220;determination date&#8221; or any of the 4 preceding Plan Years (regardless of whether the plan has terminated) and each other plan that enables a plan in which a &#8220;key
          employee&#8221; participates to meet the requirements of Code Section 401(a)(4) or Code Section 410.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">top-heavy group</font>&#8221; with respect to a particular Plan Year means a &#8220;required&#8221; or &#8220;permissive aggregation group&#8221; if the sum, as of the &#8220;determination date&#8221;, of the
          present value of the cumulative accrued benefits for &#8220;key employees&#8221; under all defined benefit plans included in such group and the aggregate of the account balances of &#8220;key employees&#8221; under all defined contribution plans included in such group
          exceeds 60% of a similar sum determined for all employees covered by the plans included in such group.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">111</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">A &#8220;<font style="font-weight: bold;">top-heavy plan</font>&#8221; with respect to a particular Plan Year means (i) in the case of a defined contribution plan (including any simplified employee pension plan), a plan
          for which, as of the &#8220;determination date&#8221;, the aggregate of the accounts (within the meaning of Code Section 416(g) and the regulations and rulings thereunder) of &#8220;key employees&#8221; exceeds 60% of the aggregate of the accounts of all participants
          under the plan, with the accounts valued as of the relevant valuation date and increased for any distribution of an account balance made during the one-year period ending on the &#8220;determination date&#8221; (5- year period ending on the &#8220;determination
          date&#8221; if distribution is made for any reason other than severance from employment, death, or disability), (ii) in the case of a defined benefit plan, a plan for which, as of the &#8220;determination date&#8221;, the present value of the cumulative accrued
          benefits payable under the plan (within the meaning of Code Section 416(g) and the regulations and rulings thereunder) to &#8220;key employees&#8221; exceeds 60% of the present value of the cumulative accrued benefits under the plan for all employees, with
          the present value of accrued benefits for employees (other than &#8220;key employees&#8221;) to be determined under the accrual method uniformly used under all plans maintained by an Employer or, if no such method exists, under the slowest accrual method
          permitted under the fractional accrual rate of Code Section 411(b)(1)(C) and including the present value of any part of any accrued benefits distributed during the one-year period ending on the &#8220;determination date&#8221; (5-year period ending on the
          &#8220;determination date&#8221; if distribution is made for any reason other than severance from employment, death, or disability), and (iii) any plan (including any simplified employee pension plan) included in a &#8220;required aggregation group&#8221; that is a
          &#8220;top-heavy group&#8221;. For purposes of this paragraph, the accounts and accrued benefits of any employee who has not performed services for an Employer or a Related Employer during the one-year period ending on the &#8220;determination date&#8221; shall be
          disregarded. For purposes of this paragraph, the present value of cumulative accrued benefits under a defined benefit plan for purposes of top- heavy determinations shall be calculated using the actuarial assumptions otherwise employed under such
          plan, except that the same actuarial assumptions shall be used for all plans within a &#8220;required&#8221; or &#8220;permissive aggregation group&#8221;. A Participant&#8217;s interest in the Plan attributable to any Rollover Contributions, except Rollover Contributions
          made from a plan maintained by an Employer or a Related Employer, shall not be considered in determining whether the Plan is a &#8220;top-heavy plan&#8221;. Notwithstanding the foregoing, if a plan is included in a &#8220;required&#8221; or &#8220;permissive aggregation
          group&#8221; that is not a &#8220;top- heavy group&#8221;, such plan shall not be a &#8220;top-heavy plan&#8221;. </div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">The &#8220;<font style="font-weight: bold;">valuation date</font>&#8221; with respect to any &#8220;determination date&#8221; means the most recent Valuation Date occurring within the 12-month period ending on the &#8220;determination
          date&#8221;.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z0f773aec8c10467d95907d17c96442a3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250002"></a><font style="font-weight: bold;">22.2</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Applicability</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of the Plan to the contrary, the provisions of this Article shall be applicable during any Plan Year in which the Plan is determined to be a &#8220;top-heavy plan&#8221; as hereinafter
          defined.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">112</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z705548a7bcaa41d5a5613138c7e1364c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250001"></a><font style="font-weight: bold;">22.3</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Minimum Employer Contribution</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">If the Plan is determined to be a &#8220;top-heavy plan&#8221; for a Plan Year, the Employer Contributions and forfeitures allocated to the Account of each &#8220;non-key employee&#8221; who is an Eligible Employee and who is
          employed by an Employer or a Related Employer on the last day of such top-heavy Plan Year shall be no less than the lesser of (i) 3% of his &#8220;compensation&#8221; or (ii) the largest percentage of &#8220;compensation&#8221; that is allocated as an Employer
          Contribution and/or 401(k) Contribution for such Plan Year to the Account of any &#8220;key employee&#8221;; except that, in the event the Plan is part of a &#8220;required aggregation group&#8221;, and the Plan enables a defined benefit plan included in such group to
          meet the requirements of Code Section 401(a)(4) or 410, the minimum allocation of Employer Contributions and forfeitures to each such &#8220;non-key employee&#8221; shall be 3% of the &#8220;compensation&#8221; of such &#8220;non key employee&#8221;. In lieu of the minimum
          allocation described in the preceding sentence, the Employer Contributions and forfeitures allocated to the Account of each &#8220;non-key employee&#8221; who is an Eligible Employee and who is employed by an Employer or a Related Employer on the last day of
          a top-heavy Plan Year and who is also covered under a top-heavy defined benefit plan maintained by an Employer or a Related Employer will be no less than 5% of his &#8220;compensation&#8221;. Any minimum allocation to a &#8220;non-key employee&#8221; required by this
          Section shall be made without regard to any social security contribution made on behalf of the &#8220;non-key employee&#8221;, his number of hours of service, his level of &#8220;compensation&#8221;, or whether he declined to make elective or mandatory contributions.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding the foregoing, this Section shall not apply to a Participant for any Plan Year for which he receives a top-heavy minimum benefit under a defined benefit plan of an Employer or a Related
          Employer.</div>
        <div style="margin: 0px 0px 0px 29pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Employer Contributions allocated to a Participant&#8217;s Account in accordance with this Section shall be considered &#8220;annual additions&#8221; under Article VII for the &#8220;limitation year&#8221; for which they are made and shall
          be separately accounted for. Employer Contributions allocated to a Participant&#8217;s Account shall be allocated upon receipt among the Investment Funds in accordance with the Participant&#8217;s currently effective investment election.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd4ff7b85bb7643798ac5f71898428f89" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 29pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;"><a name="z_TOC_250000"></a><font style="font-weight: bold;">22.4</font></td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Exclusion of Collectively-Bargained Employees</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 29pt;">Notwithstanding any other provision of this Article, Employees who are covered by an agreement that the Secretary of Labor finds to be a collective bargaining agreement between employee representatives and one
          or more employers shall not be entitled to a minimum allocation or accelerated vesting under this Article, unless otherwise provided in the collective bargaining agreement.</div>
        <div> <br>
        </div>
        <div> </div>
        <div style="text-align: center;"> * &#160; &#160; &#160;&#160; &#160; &#160; &#160; &#160; * &#160; &#160; &#160; &#160; &#160; &#160;&#160; &#160;&#160; *</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">113</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>The adopting Employer may rely on an Opinion Letter issued by the Internal Revenue Service as evidence that the plan is qualified under Code Section 401(a) only to the extent provided in Revenue Procedure 2017-41. The Employer may not rely on
          the Opinion Letter in certain other circumstances or with respect to certain qualification requirements that are specified in the Opinion Letter issued with respect to this Basic Plan Document #16 and in Revenue Procedure 2017-41. The
          appropriateness of the adoption of this Plan, its qualification with the IRS, and the tax and employee benefit consequences are the responsibility of the Employer and its tax and legal advisors. Failure to properly complete and execute this Plan
          may result in disqualification. In order to have reliance in such circumstances, application for a determination letter must be made to Employee Plans Deterninations of the Internal Revenue Service. Questions regarding adoption of this Plan, the
          intended meaning of any plan provisions, or the effect of the Opinion Letter issued by the Internal Revenue Service with respect to this Basic Plan Document #16 may be addressed to the Provider or agent designated for such purpose.</div>
        <div><br>
        </div>
        <div style="margin-left: 9pt; text-indent: 36pt;"><font style="color: rgb(35, 31, 32);">EXECUTED at </font><u>Flushing Bank</u>, this <u>18th</u> day of <u>November, 2021</u><br>
        </div>
        <div><br>
        </div>
        <div>
          <div style="margin-left: 54pt;"> </div>
          <div style="margin-left: 9pt;"> </div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="ze230038d855d4a05ba6425f737ba58bc">

              <tr>
                <td style="width: 50%;"><br>
                </td>
                <td rowspan="1" colspan="2">FLUSHING BANK</td>
              </tr>
              <tr>
                <td style="width: 50%;" rowspan="1">&#160;</td>
                <td rowspan="1" colspan="2">&#160;</td>
              </tr>
              <tr>
                <td rowspan="1" style="width: 50%; padding-bottom: 2px;">&#160;</td>
                <td rowspan="1" style="width: 5%; padding-bottom: 2px; text-align: left; vertical-align: bottom;">By:&#160; </td>
                <td rowspan="1" style="width: 45%; border-bottom: 2px solid rgb(0, 0, 0);"><img src="image00003.jpg"></td>
              </tr>
              <tr>
                <td rowspan="1" style="width: 50%;">&#160;</td>
                <td rowspan="1" style="width: 5%; text-align: left; vertical-align: bottom;">&#160;</td>
                <td rowspan="1" style="width: 45%;">&#160;</td>
              </tr>
              <tr>
                <td rowspan="1" style="width: 50%; padding-bottom: 2px;">&#160;</td>
                <td rowspan="1" style="width: 5%; padding-bottom: 2px; text-align: left; vertical-align: bottom;">Title: <br>
                </td>
                <td rowspan="1" style="width: 45%; border-bottom: 2px solid rgb(0, 0, 0);">Director of Human Resources</td>
              </tr>

          </table>
        </div>
        <div> </div>
        <div> </div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">114</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; font-weight: bold;">APPENDIX TO</div>
        <div style="text-align: center; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
        <div><br>
        </div>
        <div style="font-weight: bold; text-align: center;">Special Provisions Applicable to Former Participants in the New York Federal Savings Bank 401(k) Profit Sharing Plan</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3418810183ce4b9f8dffa1ea7fc09585" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 36.1pt; vertical-align: top;">1.</td>
              <td style="vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Definitions</u>. For purposes of this Appendix, the following terms and phrases shall have the following meanings:</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z0bd3fa67693642d9aa1a60bcbea12fc3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 41.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">a.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>NY Federal Sub-Account</u> means the Sub-Account or Sub-Accounts established on behalf of a NY Federal Participant to which his accounts under the NY Federal Plan were
                    credited, together with all earnings and appreciation thereon, and against which are charged any withdrawals and other distributions made from such Sub-Accounts and any losses, depreciation or expenses allocable to amounts credited to
                    such Sub- Accounts. A Participant&#8217;s NY Federal Sub-Account shall be a &#8220;frozen&#8221; Sub-Account to which no new contributions or loan repayments shall be made.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb3afc635a7af4a2d97a79f3fed553404" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 41.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">b.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>NY Federal Participant</u> means an individual who was a participant in the NY Federal Plan immediately prior to December 31, 2004. An individual shall cease to be a NY Federal
                    Participant on the earlier of the date the individual dies or the entire balance of his NY Federal Sub-Account has been distributed.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z6d4b782a5bec49ecab98cfd0ec5cdcf1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 41.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">c.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>NY Federal Plan</u> means the NY Federal Savings Bank 401(k) Profit Sharing Plan, as in effect immediately prior to December 31, 2004.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="text-indent: -0.1pt; margin-right: 31.35pt; margin-left: 42pt;">All capitalized terms and phrases not defined in this Appendix shall have the meaning set forth in the Plan.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z8ce7a61b1bf1448f8f6933d6a3c2ba03" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">2.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Applicability and Effective Date</u>. The NY Federal Plan was merged into this Plan effective December 31, 2004, and the accounts of each NY Federal Participant under the NY
                    Federal Plan were credited to his NY Federal Sub-Account under this Plan. This Appendix sets forth special rules that apply to a Participant&#8217;s NY Federal Sub-Account. For purposes of the Plan, the term &#8220;Account&#8221; shall include a
                    Participant&#8217;s NY Federal Sub-Account except where such an interpretation would be inconsistent with a provision of this Appendix. A Participant&#8217;s NY Federal Sub-Account shall be subject to the provisions of the Plan, as modified by the
                    provisions of this Appendix.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 42pt;">The provisions of this Appendix are effective as of December 31, 2004, and with respect to New York Federal Sub-Accounts shall supersede any other provisions of the Plan which are inconsistent with the
          provisions of this Appendix.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z53df083da9f74c719484be7f852867f2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">3.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Vesting</u>. A NY Federal Participant shall always be fully vested in the balance of his NY Federal Sub-Account.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">115</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z8a7413dfa4a4426988ce3e6fcd3a2751" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.95pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">4.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Non-Hardship Withdrawals</u>.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7019ff6e4b464772873e34b874c5061c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 41.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">a.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Age 59-1/2</u>. The NY Federal Sub-Account of a Participant who has attained age 59-1/2 shall be available for non-hardship withdrawals under Article XIII of the Plan. Whether
                    any such withdrawal is taken from a Participant&#8217;s NY Federal Sub- Account before or after it is taken from the Participant&#8217;s other Sub-Accounts shall be determined in accordance with rules and procedures established by the
                    Administrator.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf97a22b9b12e4ebf83829b7883af4cc1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 41.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">b.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Disability</u>. A NY Federal Participant who has incurred a &#8220;Total and Permanent Disability&#8221;, as defined below, shall be entitled to withdraw the entire balance of his NY
                    Federal Sub-Account upon ten (10) days prior written notice to the Administrator. Any such withdrawal shall be paid in accordance with Article XVI of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 78pt;">For purposes of this Section 4, b., &#8220;Total and Permanent Disability&#8221; means a physical or mental condition resulting from bodily injury, disease, or mental disorder which renders the individual incapable of
          continuing any gainful occupation and which condition constitutes total disability under the federal Social Security Acts.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z337bc492cbcc4417bab612e4fa8c3f59" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">5.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Hardship Withdrawals</u>. A Participant&#8217;s NY Federal Sub-Account shall not be available for hardship withdrawals under Article XIII of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zd7b09fb4bab54fb2b26011489a94b34f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">6.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Distribution of Benefits Following Termination of Employment</u>. If a NY Federal Participant terminates employment with the Employers and all Related Employers for any reason
                    other than death, distribution of his NY Federal Sub-Account shall be made together with his other Sub-Accounts in accordance with the applicable provisions of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z49f2a681be5a4392bc50bc91bf13da4e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">7.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Payments Upon Death</u>. If a NY Federal Participant dies before the entire balance of his NY Federal Sub-Account has been distributed to him, the remainder of such Sub-
                    Account shall be paid to his Beneficiary together with the other Sub- Accounts payable to the Beneficiary in accordance with the applicable provisions of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z184ef7afb02d4a1b90217ee344af8e0e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">8.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Beneficiary Designation</u>. Any beneficiary designation made under the NY Federal Plan shall be void, and shall not be given any effect under this Plan, except in the case of
                    a NY Federal Participant who died before December 31, 2004.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zc165a4e73d9044a9a5d524c7078c4a22" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">9.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Benefits in Pay Status</u>. If an individual is receiving installment payments under the NY Federal Plan immediately before December 31, 2004, payments shall, to the extent
                    practicable, continue to be made to such individual from this Plan under the terms and conditions of the NY Federal Plan with respect to periods on and after December 31, 2004.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">116</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z9b8249edef28419c8e85fbfd22fa19ce" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 5.9pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">10.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Loans</u>. No loans shall be available from a Participant&#8217;s NY Federal Sub-Account, and a Participant&#8217;s NY Federal Sub-Account shall not be taken into account in determining
                    the maximum loan amount available to the Participant under the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">117</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="text-align: center; margin-right: 0.9pt; font-weight: bold;">APPENDIX TO</div>
        <div style="text-align: center; margin-right: 0.85pt; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
        <div><br>
        </div>
        <div style="text-align: center; margin-right: 84.15pt; margin-left: 83.3pt; font-weight: bold;">Special Provisions Applicable to Former Participants in the Atlantic Liberty Savings, F.A. 401(k) Savings Plan</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0e97afce90d24090ab342f070136500d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">1.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Definitions</u>. For purposes of this Appendix, the following terms and phrases shall have the following meanings:</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z23d8856649644c94beb8a753867cccd0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.35pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">a.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Atlantic Liberty Sub-Account</u> means the Sub-Account or Sub-Accounts established on behalf of an Atlantic Liberty Participant to which his accounts under the Atlantic Liberty
                    Plan (other than accounts attributable to elective deferrals) were credited, together with all earnings and appreciation thereon, and against which are charged any withdrawals and other distributions made from such Sub-Accounts and any
                    losses, depreciation or expenses allocable to amounts credited to such Sub- Accounts. A Participant&#8217;s Atlantic Liberty Sub-Account shall be a &#8220;frozen&#8221; Sub-Account to which no new contributions shall be made. (Any accounts of an Atlantic
                    Liberty Participant under the Atlantic Liberty Plan attributable to elective deferrals were merged into the corresponding Sub- Account under this Plan).</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z90f9379a89a54f03a71cfe9a78da4dcb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">b.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Atlantic Liberty Participant</u> means an individual who was a participant in the Atlantic Liberty Plan immediately prior to the Merger Date. An individual shall cease to be an
                    Atlantic Liberty Participant on the earlier of the date the individual dies or the entire balance of his Atlantic Liberty Sub-Account has been distributed.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z20a3f08b6ae04794ab70f679ba6fb71e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">c.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Atlantic Liberty Plan</u> means the Atlantic Liberty Savings, F.A. 401(k) Savings Plan, as in effect immediately prior to the Merger Date.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="ze264b6b812b04bc89421e097f649ccb8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">d.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Merger Date</u> means April 30, 2010.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin-right: 32.1pt; margin-left: 42.5pt;">All capitalized terms and phrases not defined in this Appendix shall have the meaning set forth in the Plan.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7edb5c25f2df47d5832d580d29fc01f2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">2.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Applicability and Effective Date</u>. The Atlantic Liberty Plan was merged into this Plan effective April 30, 2010, and the accounts (other than accounts attributable to
                    elective deferrals) of each Atlantic Liberty Participant under the Atlantic Liberty Plan were credited to his Atlantic Liberty Sub-Account under this Plan. This Appendix sets forth special rules that apply to a Participant&#8217;s Atlantic
                    Liberty Sub-Account. For purposes of the Plan, the term &#8220;Account&#8221; shall include a Participant&#8217;s Atlantic Liberty Sub-Account except where such an interpretation would be inconsistent with a provision of this Appendix. A Participant&#8217;s
                    Atlantic Liberty Sub-Account shall be subject to the provisions of the Plan, as modified by the provisions of this Appendix.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">118</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 42.5pt;">The provisions of this Appendix are effective as of April 30, 2010, and with respect to Atlantic Liberty Sub-Accounts shall supersede any other provisions of the Plan which are inconsistent with the
          provisions of this Appendix.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z96ea2f82012149a482a5d61313e62937" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">3.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Vesting</u>. An Atlantic Liberty Participant shall always be fully vested in the balance of his Atlantic Liberty Sub-Account.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="ze706a81b57f146099154c6b3968260d4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">4.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Non-Hardship Withdrawals</u>.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z84134b82211743fbb3da1883f123b0fd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.35pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">a.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Age 59-1/2</u>. The Atlantic Liberty Sub-Account of a Participant who has attained age 59-1/2 shall be available for non-hardship withdrawals under Article XIII of the Plan.
                    Whether any such withdrawal is taken from a Participant&#8217;s Atlantic Liberty Sub-Account before or after it is taken from the Participant&#8217;s other Sub- Accounts shall be determined in accordance with rules and procedures established by the
                    Administrator.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z86905594525f4f5c9cb072c28d6d8dad" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">b.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Hardship Withdrawals</u>. A Participant&#8217;s Atlantic Liberty Sub-Account shall not be available for hardship withdrawals under the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z1340be8beeda46b09cddff684f4d387b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">5.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Loans</u>.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z25bd5070b60b428f93417a76938a9c9d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">a.</td>
              <td style="width: auto; vertical-align: top;">
                <div>A Participant&#8217;s Atlantic Liberty Sub-Account shall be available for loans under Article XII and shall be taken into account in determining the amount of the Plan&#8217;s security interest and the maximum available loan with respect to the
                  Participant under Article XII. Whether any such loan is taken from (or a loan repayment is made to) a Participant&#8217;s Atlantic Liberty Sub-Account before or after it is taken from (or repaid to) the Participant&#8217;s other Sub-Accounts shall be
                  determined in accordance with rules and procedures established by the Administrator.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="za4eb44c7a1484251a2e20d2a94e5bd83" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 42.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">b.</td>
              <td style="width: auto; vertical-align: top;">
                <div>If an individual has an outstanding loan under the Atlantic Liberty Plan immediately prior to the Merger Date, such loan, shall, to the extent practicable, be administered in accordance with the provisions of the note reflecting such
                  loan and shall remain outstanding until repaid in accordance with its terms.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z570544d90b404e54aa1f9e21849e0de1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.35pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">6.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Distribution of Benefits Following Termination of Employment</u>. If an Atlantic Liberty Participant terminates employment with the Employers and all Related Employers for any
                    reason other than death, distribution of his Atlantic Liberty Sub-Account shall be made together with his other Sub-Accounts in accordance with the applicable provisions of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">119</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z9ebbbc4cb3ec4c6394b84f1c2a15b462" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.35pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">7.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Payments Upon Death</u>. If an Atlantic Liberty Participant dies before the entire balance of his Atlantic Liberty Sub-Account has been distributed to him, the remainder of
                    such Sub- Account shall be paid to his Beneficiary together with the other Sub-Accounts payable to the Beneficiary in accordance with the applicable provisions of the Plan.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z341eb914bc304579ad2ba2f544bc8eae" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.4pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">8.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Beneficiary Designation</u>. Any beneficiary designation made under the Atlantic Liberty Plan shall be void, and shall not be given any effect under this Plan, except in the
                    case of an Atlantic Liberty Participant who died before the Merger Date.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z22b11e02e68a49f49fa0f28b3336abc5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 6.35pt;"><br>
              </td>
              <td style="width: 36.1pt; vertical-align: top;">9.</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt;"><u>Benefits in Pay Status</u>. If an individual is receiving installment payments under the Atlantic Liberty Plan immediately before the Merger Date, payments shall, to the extent
                    practicable, continue to be made to such individual from this Plan under the terms and conditions of the Atlantic Liberty Plan with respect to periods on and after the Merger Date.</font></div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">120</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <!--PROfilePageNumberReset%Num%1%%%-->
        <div style="text-align: center; font-weight: bold;">INTERIM AMENDMENT </div>
        <div style="text-align: center; font-weight: bold;">TO THE</div>
        <div style="text-align: center; font-weight: bold;">DOCUMENT AGILITY, INC. PRE-APPROVED 401(K) SAVINGS/PS PLAN</div>
        <div style="text-align: center; font-weight: bold;"> TO COMPLY WITH THE</div>
        <div style="text-align: center; font-weight: bold;">HARDSHIP WITHDRAWAL PROVISIONS OF THE </div>
        <div style="text-align: center; font-weight: bold;">BIPARTISAN BUDGET ACT OF 2018 AND THE 2017 TAX CUTS AND JOBS</div>
        <div style="text-align: center; font-weight: bold;">ACT</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 11pt; text-align: justify;">Document Agility, Inc., as Mass Submitter Sponsor of the Pre-Approved 401(k) Savings/PS Plan (the &#8220;Plan&#8221;), hereby adopts the following interim compliance amendment on behalf of the Plan
          and all plans generated using the Plan (with respect to which the Sponsor retains amendment authority under the provisions of Revenue Procedures 2017-41), in order to comply with the Final Treasury Regulations issued September 23, 2019 in
          response to enactment of (a) sections 41113 and 41114 of the Bipartisan Budget Act of 2018, (b) sections 826 and 827 of the Pension Protection Act of 2006, (c) section 105(b)(1)(A) of the Heroes Earnings Assistance and Relief Tax Act of 2008, and
          (d) section 11044 of the Tax Cuts and Jobs Act of 2017. This &#8220;good faith&#8221; Amendment supersedes any conflicting provisions of the Plan, where applicable, is not part of the Plan as approved under Revenue Procedure 2017-41, and has not been
          reviewed by the Internal Revenue Service (IRS) for compliance with statutory and/or regulatory changes. Furthermore, pursuant to Revenue Procedure 2017-41, this Amendment does not affect reliance on the IRS opinion letter issued to the Plan.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 10.95pt; text-align: justify;">Unless the Sponsor elects an earlier effective date by resolution, written direction, or administrative policy or procedure, hardship withdrawals made on or after January 1, 2020 by
          plans that permit such distributions with respect to 401(k) Contributions, will be administered in accordance with the provisions of the current plan with the exception of the following provisions that supersede and replace the identified
          sections found in Article XIII, &#8220;Withdrawals While Employed.&#8221; Reference to a particular subsection of the Plan refers to the subsection as identified in the Plan and applies to the corresponding provision as identified in any individual Plan
          produced from such specimen plan:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z015371fb571144c48f42377267be5289" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 11pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">1.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Subject to any administrative directive adopted by the Sponsor, subsection (f) of the Section titled &#8220;Hardship Determination&#8221;, is hereby revised and new subsection (g) and subsection (h) are added (with any subsequent sections
                  renumbered), to read as follows:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1c4a4edef96d408585c593d4df6a03ae" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 46.95pt;"><br>
              </td>
              <td style="width: 35.9pt; vertical-align: top;">(f)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>expenses to repair damage to the Participant&#8217;s principal residence that would qualify for a casualty loss deduction under Code Section 165 (determined without regard to Code Section 165(h)(5) and whether the loss exceeds 10% of
                  adjusted gross income)</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z586ced024c2142ff972870464669945a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 46.95pt;"><br>
              </td>
              <td style="width: 35.85pt; vertical-align: top;">(g)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>expenses and losses (including loss of income) incurred by the Participant on account of a disaster declared by the Federal Emergency Management Agency (FEMA) under the Robert T. Stafford Disaster Relief and Emergency Assistance Act,
                  Pub.L.100-707, provided that the Participant&#8217;s principal residence or principal place of employment at the time of the disaster was located in an area designated by FEMA for individual assistance with respect to the disaster</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z57fa088056e0439e9cf885c497426cf3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 47pt;"><br>
              </td>
              <td style="width: 35.85pt; vertical-align: top;">(h)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>any other distribution which is deemed by the Commissioner of Internal Revenue to be made on account of immediate and heavy financial need as provided in Treasury Regulations, unless otherwise elected</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z3f3a21e261194e1bb76250984879ddbd" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 11pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">2.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>The section titled &#8220;Satisfaction of Necessity Requirement for Hardship Withdrawals&#8221;, is hereby revised to provide as follows:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 46.95pt; text-align: justify;">A withdrawal from a Participant&#8217;s 401(k), Qualified Nonelective, and Qualified Matching Contributions Sub-Accounts (if and as applicable) shall be deemed to be necessary to satisfy an
          immediate and heavy financial need of a Participant only if the Participant represents (in writing, by an electronic medium, or in such other form as may be prescribed by the Commissioner) that the Participant has insufficient cash or other
          liquid assets reasonably available to satisfy the financial need. The Administrator and the Employers may rely on a Participant&#8217;s substantiation of such necessity and are not obligated to inquire into the Participant&#8217;s financial condition, unless
          the Administrator and/or Employers have actual knowledge to the contrary, that the need cannot be satisfied by one of the actions listed below or if the effect would increase the need:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1213153e926b4efeb0c3b6e112cb5607" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 46.9pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>through reimbursement or compensation by insurance or otherwise.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zf1298b98643043d2b18937a788af01d1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 47pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>by reasonable liquidation of the Participant&#8217;s assets, to the extent such liquidation would not itself cause an immediate and heavy financial need.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z6f3f43ee065e4a6ba6e2c46060fa76f8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 47pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>by cessation of 401(k) Contributions or After-Tax Contributions (if and as applicable).</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc1a8befb0f06457f9a32e5aac026fe66" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 47pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>by other distributions or, if so mandated by the Employer, nontaxable (at the time of the loan) loans from plans maintained by the Employer or by any other employer, or by borrowing from commercial sources on reasonable commercial
                  terms in an amount sufficient to satisfy the need.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 46.95pt; text-align: justify;">Unless otherwise elected by the Employer, the requirement that any available nontaxable loan (at the time of the application) be taken is no longer required.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 46.95pt; text-align: justify;">All references to a 6-month suspension from making 401(k) and/or After-Tax Contributions (if and as applicable) upon receipt of a hardship withdrawal of 401(k) Contributions, Qualified
          Nonelective Contributions, and Qualified Matching Contributions (if and as applicable) are removed.</div>
        <div><br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zfc8ceaf708fc44c88f36bed20b49122c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 11pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">3.</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>The section titled &#8220;Order of Withdrawal from a Participant&#8217;s Sub-Accounts&#8221;, is hereby revised by adding the following paragraph to read as follows:</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 46.95pt; text-align: justify;">For Plan Years beginning prior to January 1, 2019, a hardship withdrawal from a Participant&#8217;s 401(k) Contributions did not include any income credited thereto unless such income was
          credited as of the later of December 31, 1988 or the end of the last Plan Year ending before July 1, 1989. Similarly, for Plan Years beginning prior to January 1, 2019, a hardship withdrawal from a Participant&#8217;s Safe Harbor Matching or
          Nonelective Contributions, Qualified Matching, and/or Qualified Nonelective Contributions Sub- Accounts, as applicable and available for hardship withdrawal, did not include any such contributions made or income credited after the later of
          December 31, 1988 or the end of the last Plan Year ending before July 1, 1989. Unless elected earlier by the Employer by resolution, written direction, or administrative policy or procedure, effective for distributions made on or after January 1,
          2020, the restrictions on hardship withdrawal of income, along with the restriction on the availability of any Safe Harbor Matching or Nonelective Contributions, Qualified Matching, and Qualified Nonelective Contributions (as applicable) for
          hardship withdrawal, no longer apply. The Employer may choose to make hardship withdrawals of such contributions and, unless otherwise elected by the Employer by resolution, written direction, or administrative policy or procedure, the interest
          accrued on such contributions available for hardship distribution.</div>
        <div style="text-align: justify; margin-right: 29.85pt; margin-left: 46.95pt;"> <br>
        </div>
        <div style="text-align: center;">&#160;* * *</div>
        <div style="text-align: center; margin-right: 18.9pt;"> <br>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="zbc0972311a2f41db8fb6609641f62a14">

              <tr>
                <td rowspan="1" colspan="2">
                  <div style="text-align: left;">EXECUTED this <u>1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup>&#160;</u> day of&#160; <u>July, 2020</u>.</div>
                </td>
                <td style="width: 50%;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3%;"><br>
                </td>
                <td style="width: 47%;"><br>
                </td>
                <td style="width: 50%;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3%; padding-bottom: 2px;">By:</td>
                <td style="width: 47%; border-bottom: 2px solid rgb(0, 0, 0);">
                  <div> </div>
                  <div> <img src="image00006.jpg"></div>
                </td>
                <td style="width: 50%; padding-bottom: 2px;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3%;" rowspan="1">&#160;</td>
                <td style="width: 47%;" rowspan="1">Ron MacInnis</td>
                <td style="width: 50%;" rowspan="1">&#160;</td>
              </tr>

          </table>
        </div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
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        <div style="text-align: center; font-weight: bold;">INTERIM AMENDMENT</div>
        <div style="text-align: center; font-weight: bold;">TO THE</div>
        <div style="text-align: center; font-weight: bold;">DOCUMENT AGILITY, INC. PRE-APPROVED 401(K) SAVINGS/PS PLAN</div>
        <div style="text-align: center; font-weight: bold;">TO COMPLY WITH THE PROVISIONS OF THE</div>
        <div style="text-align: center; font-weight: bold;">CORONAVIRUS AID, RELIEF AND ECONOMIC SECURITY ACT (&#8220;CARES ACT&#8221;)</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 10.95pt; text-align: justify;">Document Agility, Inc., as Mass Submitter Sponsor of the Pre-Approved 401(k) Savings/PS Plan (the &#8220;Plan&#8221;), hereby adopts this interim amendment (the &#8220;Amendment&#8221;) in good faith to comply
          with the provisions of the Coronavirus Aid, Relief and Economic Security Act (the &#8220;CARES Act&#8221;), to adopt the extensions announced by the Department of the Treasury to Code Section 7508(a), and to adopt by reference any future extension granted to
          all other requirements and deadlines under the Employee Retirement Income Security Act of 1974 (&#8220;ERISA&#8221;) as may be issued or promulgated in subsequent guidance or rulings related to the COVID-19 (Novel Coronavirus) outbreak. This &#8220;good faith&#8221;
          Amendment supersedes any conflicting provisions of the Plan, where applicable, is not part of the Plan as approved under Revenue Procedure 2017-41, and has not been reviewed by the Internal Revenue Service (IRS) for compliance with statutory
          and/or regulatory changes. Furthermore, pursuant to Revenue Procedure 2017-41, this Amendment does not affect reliance on the IRS opinion letter issued to the Plan.</div>
        <div>&#160;</div>
        <div style="text-align: center; font-weight: bold;">Article 1 </div>
        <div style="text-align: center; font-weight: bold;">Distributions</div>
        <div>&#160;</div>
        <div style="text-align: justify; margin-left: 10.95pt;"><font style="font-weight: bold;">1.1&#160; Required Minimum Distributions</font> All distributions from the Plan will be determined and made in accordance with the Regulations under Code Section
          401(a)(9) and the minimum distribution incidental benefit requirement of Code Section 401(a)(9)(G). Notwithstanding the provisions of the Plan to the contrary, a Participant or Beneficiary who would have been required to receive required minimum
          distributions in calendar year 2020 but for the enactment of Code Section 401(a)(9)(I) (&#8220;2020 RMDs&#8221;), and who would have satisfied that requirement by receiving distributions that are (1) equal to the 2020 RMDs or (2) one or more payments in a
          series of substantially equal distributions (that include the 2020 RMDs) made at least annually and expected to last for the life (or life expectancy) of the Participant or the joint lives (or joint life expectancy) of the Participant and the
          Participant&#8217;s Designated Beneficiary (&#8220;Extended 2020 RMDs&#8221;), will not receive those distributions for 2020 unless the Participant or Beneficiary chooses to receive such distributions or as otherwise provided in the Employer&#8217;s administrative
          policy or procedure. In applying the five (5) year rule, the relief allows the 2020 calendar year to be ignored. For Beneficiaries of deceased Participants, calendar year 2020 will not be counted as part of the five (5) year period during which
          they must take a distribution.</div>
        <div style="text-align: justify; margin-left: 10.95pt;"> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="font-weight: bold; text-align: center;">Article 2 </div>
        <div style="font-weight: bold; text-align: center;">Limitations on Contributions</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 10.95pt; text-align: justify;"><font style="font-weight: bold;">2.1</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Code Section 402(g) and &#8220;Excess Deferrals&#8221; Corrections. </font>If the Plan allows 401(k)
          Contributions to be made by Eligible Employees, then this Section is effective for distributions of &#8220;excess deferrals&#8221; (as defined in Code Section 402(g)(2)(A)) in taxable years beginning on or after January 1, 2019, and will apply to &#8220;excess
          deferrals&#8221; that occur in taxable years beginning on or after January 1, 2020.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z9f1797e913cd4ae09067becc50adb933" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 46.95pt;"><br>
              </td>
              <td style="width: 25.05pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Code Section 402(g) Limit. </font><font style="font-size: 10pt;">If an Employer notifies the Administrator that the Code Section 402(g) limit has been exceeded
                    by an Eligible Employee for his taxable year, the 401(k) Contributions that, when aggregated with &#8220;elective contributions&#8221; made on behalf of the Eligible Employee under any other plan of an Employer or a Related Employer, would exceed
                    the Code Section 402(g) limit, plus any income and minus any losses attributable thereto, shall be either re-characterized as Catch-Up Contributions or distributed to the Eligible Employee no later than the April 15 (or such later date
                    as promulgated by the Department of the Treasury) immediately following such taxable year.</font></div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z2953587c5d2043809cbc75e4abd4ca32" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 46.95pt;"><br>
              </td>
              <td style="width: 25.05pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div style="font-size: 12pt;"><font style="font-size: 10pt; font-weight: bold;">Distribution of &#8220;Excess Deferrals&#8221;. </font><font style="font-size: 10pt;">Notwithstanding any other provision to the contrary, &#8220;excess deferrals&#8221;, plus any
                    income and minus any loss allocable thereto, will be distributed no later than April 15 (or such later date as promulgated by the Department of the Treasury) to any Participant whose account &#8220;excess deferrals&#8221; were assigned for the
                    preceding taxable year of the Participant and who claims &#8220;excess deferrals&#8221; for such taxable year by March 1 (or such later date as established by the Administrator or promulgated by the Department of the Treasury) following the close
                    of the Participant&#8217;s taxable year.</font></div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="zf33bb3a627264a0d93ca47300b6111e9">

              <tr>
                <td style="width: 48.97%;" rowspan="1" colspan="2">
                  <div style="text-align: left;">EXECUTED this&#160;<u>&#160; </u><u>1<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">st</sup>&#160;</u> day of <u>&#160; July, 2020</u>.</div>
                </td>
                <td style="width: 51.03%;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3.1%;"><br>
                </td>
                <td style="width: 45.87%;"><br>
                </td>
                <td style="width: 51.03%;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3.1%;">By:</td>
                <td style="width: 45.87%;">
                  <div> <img src="image00006.jpg"></div>
                </td>
                <td style="width: 51.03%;"><br>
                </td>
              </tr>
              <tr>
                <td style="width: 3.1%;" rowspan="1">&#160;</td>
                <td style="width: 45.87%;" rowspan="1">Ron MacInnis</td>
                <td style="width: 51.03%;" rowspan="1">&#160;</td>
              </tr>

          </table>
        </div>
        <div><br>
        </div>
        <div><br>
        </div>
        <div style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; font-weight: normal; font-style: normal;">2</font> </div>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.3
<SEQUENCE>5
<FILENAME>ef20033860_ex99-3.htm
<DESCRIPTION>EXHIBIT 99.3
<TEXT>
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      <div style="text-align: right;"> <font style="font-weight: bold;">Exhibit 99.3</font><br>
      </div>
      <div> <br>
      </div>
      <div>
        <div style="text-align: center; margin-right: 175.05pt; margin-left: 228.8pt; font-weight: bold;">FIRST AMENDMENT </div>
        <div style="text-align: center; margin-right: 175.05pt; margin-left: 228.8pt; font-weight: bold;">TO THE</div>
        <div style="text-align: center; margin-right: 0.35pt; margin-left: 53.6pt; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
        <div>&#160;</div>
        <div style="text-align: center; margin-left: 53.6pt; font-weight: bold;">January 1, 2021 Restatement</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 59.95pt; text-indent: 36pt;">The Flushing Bank 401(k) Savings Plan, originally effective as of September 1, 1987, as presently maintained under an amendment and restatement made effective as of January 1, 2021, is
          hereby further amended, effective as of June 1, 2022, in the following respects:</div>
        <div><br>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 1.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 1.1 of the Plan, &#8220;Plan Definitions&#8221;, is hereby amended at the definition of &#8220;After- Tax Contribution&#8221; to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div style="margin-right: 17pt; margin-left: 95.9pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">An &#8220;<font style="font-weight: bold;">After-Tax Contribution</font>&#8221; means any after-tax employee contribution made by a Participant to the Plan as may be permitted under Article V or as may have been
          permitted under the terms of the Plan prior to this amendment and restatement or any after-tax employee contribution made by a Participant to another plan that is transferred directly to the Plan. After-tax employee contributions that are rolled
          over to the Plan in accordance with the provisions of Article V are not treated as After-Tax Contributions hereunder.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">2.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 1.1 of the Plan, &#8220;Plan Definitions&#8221;, is hereby amended at the definition of &#8220;Catch- Up Contribution&#8221; to read as follows:</div>
          <div> </div>
        </div>
        <div style="text-indent: -0.05pt; margin-right: 6.75pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">A &#8220;<font style="font-weight: bold;">Catch-Up 401(k) Contribution</font>&#8221; means any 401(k) Contribution made on behalf of a Participant that is in excess of an applicable Plan limit and is made pursuant to,
          and is intended to comply with, Code Section 414(v). Catch-Up 401(k) Contributions may include Pre-Tax 401(k) Contributions and/or Roth 401(k) Contributions.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">3.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 1.1 of the Plan, &#8220;Plan Definitions&#8221;, is hereby amended at the definition of &#8220;401(k) Contribution&#8221; to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">A &#8220;<font style="font-weight: bold;">401(k) Contribution</font>&#8221; means any amount contributed to the Plan on behalf of a Participant that the Participant could elect to receive in cash, but that the
          Participant elects to have contributed to the Plan in accordance with the provisions of Article IV as either a Pre-Tax 401(k) Contribution or a Roth 401(k) Contribution.
          <div><br>
          </div>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">1</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">4.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 1.1 of the Plan, &#8220;Plan Definitions&#8221;, is hereby amended to add the following definitions where they would appear in alphabetical order to read as follows:</div>
          <div> </div>
        </div>
        <div style="text-indent: -0.05pt; margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">A &#8220;<font style="font-weight: bold;">Pre-Tax 401(k) Contribution</font>&#8221; means any 401(k) Contribution made to the Plan on behalf of a Participant that is not includable in the Participant&#8217;s taxable gross
          income, pursuant to Code Section 401(k), until distributed from the Plan.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A &#8220;<font style="font-weight: bold;">Roth 401(k) Contribution</font>&#8221; means any 401(k) Contribution made on behalf of a Participant that is irrevocably designated as being made pursuant to, and is intended to
          comply with, Code Section 402A. Roth 401(k) Contributions are includable in a Participant&#8217;s taxable gross income for the year in which they are contributed to the Plan.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A &#8220;<font style="font-weight: bold;">Roth In-Plan Rollover Contribution</font>&#8221; means any rollover contribution made under the Plan by a Participant pursuant to Code Section 402A(c)(4), as may be permitted
          under Article V.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">5.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Article IV of the Plan, &#8220;401(k) Contributions&#8221;, is hereby amended to add a new Section 4.3 and renumber the remaining paragraphs. Section 4.3 shall read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin-left: 96pt;"><font style="font-weight: bold;">4.3</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Roth 401(k) Contributions</font></div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee may designate, in accordance with rules prescribed by the Administrator, that a portion or all (as permitted by the Administrator) of his 401(k) Contributions for each payroll period be
          treated as Roth 401(k) Contributions. Any such designation must be made before the Compensation to which the Participant&#8217;s 401(k) Contribution relates becomes available to the Eligible Employee and shall remain in effect until the Eligible
          Employee amends his election as prescribed in this Article. Except as otherwise specifically provided in this Article, if an Eligible Employee does not affirmatively designate that his 401(k) Contributions are to be treated as Roth 401(k)
          Contributions, the Eligible Employee will be considered to have designated that his 401(k) Contributions shall be treated as Pre-Tax 401(k) Contributions.</div>
        <div><br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Any Roth 401(k) Contributions made to the Plan on behalf of a Participant shall be allocated to a separate Sub-Account maintained with respect to such contributions. The Administrator shall maintain a record
          of the portion of a Participant&#8217;s Roth 401(k) Contributions Sub-Account that is not taxable upon distribution from the Plan. Earnings, losses, and other credits and charges shall be allocated on a reasonable and consistent basis among a
          Participant&#8217;s Roth 401(k) Contributions Sub-Account and his other Sub- Accounts under the Plan. No amounts other than Roth 401(k) Contributions and properly attributable earnings shall be credited to a Participant&#8217;s Roth 401(k) Contributions Sub-
          Account. Notwithstanding the foregoing, Roth Rollover Contributions and Roth In-Plan Rollover Contributions may be allocated to a Participant&#8217;s Roth 401(k) Contributions Sub-Account.</div>
        <br>
      </div>
      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="BRPFPageBreakArea">
        <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">2</font></div>
        <div style="page-break-after: always;" class="BRPFPageBreak">
          <hr noshade="noshade" style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;"></div>
      </div>
      <div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, any distribution from a Participant&#8217;s Roth 401(k) Contributions Sub-Account made after the Participant&#8217;s 5- taxable-year period of
          participation, as described in Code Section 402A(d)(2)(B), that is a qualified distribution under Code Section 402A(d)(2)(A), shall not be taxable to the Participant or his Beneficiary. Except as otherwise provided in Article V, the Participant&#8217;s
          5-taxable-year period of participation shall begin on January 1 of the taxable year in which the Participant first makes a Roth 401(k) Contribution to the Plan that is not distributed as an &#8220;excess deferral&#8221; or &#8220;excess contribution&#8221; (as those
          terms are defined in Section 7.1) and is not returned as a permissible withdrawal in accordance with the provisions of Code Section 414(w).</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">6.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 4.3 of the Plan, &#8220;Catch-Up 401(k) Contributions&#8221;, is hereby renumbered as Section 4.4 and further amended by adding the following paragraph at the end of the section to read as
            follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Except as otherwise specifically provided in Article VII, an Eligible Employee&#8217;s Catch- Up 401(k) Contributions shall be treated as Pre-Tax and/or Roth 401(k) Contributions in accordance with the Eligible
          Employee&#8217;s election as in effect on the date the Compensation to which the Participant&#8217;s Catch-Up 401(k) Contribution relates becomes available to the Eligible Employee.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">7.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Article IV of the Plan, &#8220;401(k) Contributions&#8221;, is hereby amended to add a new Section 4.6 and renumber the remaining paragraphs. Section 4.6 shall read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin-left: 96pt;"><font style="font-weight: bold;">4.6</font>&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font style="font-weight: bold;">Combined Limit on 401(k) Contributions and After-Tax Contributions</font></div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, in no event may the 401(k) Contributions made on behalf of an Eligible Employee who is not a Highly Compensated Employee for the Plan Year,
          when combined with the After-Tax Contributions made by the Eligible Employee who is not a Highly Compensated Employee for the Plan Year, exceed 35% of the Eligible Employee&#8217;s Compensation for the Plan Year. For an Eligible Employee who is a
          Highly Compensated Employee for the Plan Year, this combined limit may not exceed 28%.</div>
        <div>&#160;</div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">8.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 4.5 of the Plan, &#8220;Amendments to Reduction Authorization&#8221;, is hereby renumbered as Section 4.7 and further amended to read as follows:</div>
          <div> </div>
        </div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">3</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee may elect, in the manner prescribed by the Administrator, to change the amount of his future Compensation that his Employer contributes on his behalf as 401(k) Contributions and/or to
          change his designation of all or a part of his 401(k) Contributions as Pre-Tax or Roth 401(k) Contributions. An Eligible Employee may amend his reduction authorization at such time or times during the Plan Year as the Administrator may prescribe
          by giving such number of days advance notice of his election as the Administrator may require. An Eligible Employee who amends his reduction authorization shall be limited to selecting an amount of his Compensation that is otherwise permitted
          under this Article IV. 401(k) Contributions shall be made on behalf of such Eligible Employee by his Employer pursuant to his properly amended reduction authorization commencing as soon as administratively practicable after such amendment is
          effective, until otherwise altered or terminated in accordance with the Plan.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">9.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 4.9 of the Plan, &#8220;Vesting of 401(k) Contributions&#8221;, is hereby renumbered as Section 4.11 and further amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant&#8217;s vested interest in his 401(k) Contributions Sub-Account, including his separate Roth 401(k) Contributions Sub-Account, shall be at all times 100%.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">10.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 5.1 of the Plan, &#8220;No After-Tax Contributions&#8221;, is hereby retitled and amended to read as follows:</div>
          <div> </div>
        </div>
        <div> <br>
        </div>
        <table cellspacing="0" cellpadding="0" id="zfd9cc5bc98704cb2b92e5ca5e182db4a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

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              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.1</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">After-Tax Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Effective as of the date he becomes an Eligible Employee, each Eligible Employee may elect, in accordance with rules prescribed by the Administrator, to make After-Tax Contributions to the Plan.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">After-Tax Contributions shall be made by payroll withholding in accordance with the provisions of this Article V. An Eligible Employee&#8217;s election to make After-Tax Contributions may be made effective as of
          the Enrollment Date on which he becomes an Eligible Employee. An Eligible Employee who does not timely elect to make After-Tax Contributions by payroll withholding as of the first Enrollment Date on which he becomes eligible to participate shall
          be deemed to have elected not to make After-Tax Contributions and may only change such deemed election pursuant to the provisions of this Article for amending his payroll withholding authorization.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee&#8217;s After-Tax Contributions by payroll withholding shall commence as soon as administratively practicable on or after the date on which he first becomes eligible to participate.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">4</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">11.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Article V of the Plan &#8220;After-Tax and Rollover Contributions&#8221; is hereby amended by adding new sections and renumbering the remaining sections. Sections 5.2 through 5.8 shall read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z13f070c0c4344a8d96a3dfd170940cf0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.2</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Amount of After-Tax Contributions by Payroll Withholding</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">The amount of After-Tax Contributions made by an Eligible Employee by payroll withholding shall be a percentage, expressed in the increments prescribed by the Administrator, of his Compensation of not more
          than 10% of Compensation. In no event shall the amount of After-Tax Contributions made by an Eligible Employee exceed the maximum amount permitted by law.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of this Section, the amount of After-Tax Contributions that may be made each payroll period on behalf of any Eligible Employee who is a Highly Compensated Employee shall
          not exceed 3% of Compensation.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z5dd3827910e24f4ea0960131dda1e431" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.3</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Combined Limit on 401(k) and After-Tax Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, in no event may the 401(k) Contributions made on behalf of an Eligible Employee who is not a Highly Compensated Employee for the Plan Year,
          when combined with the After-Tax Contributions made by the Eligible Employee who is not a Highly Compensated Employee for the Plan Year, exceed 35% of the Eligible Employee&#8217;s Compensation for the Plan Year. For an Eligible Employee who is a
          Highly Compensated Employee for the Plan Year, this combined limit may not exceed 28%.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd0e3d1657df442bfb868ca4614c4d30f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.4</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Amendments to Payroll Withholding Authorization</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee may elect, in the manner prescribed by the Administrator, to change the amount of his future Compensation that he contributes to the Plan as After- Tax Contributions by payroll
          withholding. An Eligible Employee may amend his payroll withholding authorization at such time or times during the Plan Year as the Administrator may prescribe by giving such number of days advance notice of his election as the Administrator may
          require. An Eligible Employee who changes his payroll withholding authorization shall be limited to selecting an amount of his Compensation that is otherwise permitted under this Article V. After-Tax Contributions shall be made on behalf of such
          Eligible Employee pursuant to his properly amended payroll withholding authorization commencing with Compensation paid to the Eligible Employee on or after the date such amendment is effective, until otherwise altered or terminated in accordance
          with the Plan.</div>
        <div>&#160;</div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">5</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z01556af35c7f488a8e9fede84a80399d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.5</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Suspension of After-Tax Contributions by Payroll Withholding</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee who is making After-Tax Contributions by payroll withholding may elect, in the manner prescribed by the Administrator, to have such contributions</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">suspended at any time by giving such number of days advance notice to his Employer as the Administrator may require. Any such voluntary suspension shall take effect commencing with Compensation paid to such
          Eligible Employee on or after the expiration of the required notice period and shall remain in effect until After-Tax Contributions are resumed as hereinafter set forth.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7ffc1ecdc89f410d8b110080964165ef" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.6</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Resumption of After-Tax Contributions by Payroll Withholding</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee who has voluntarily suspended his After-Tax Contributions by payroll withholding in accordance with Section 5.5 may elect, in the manner prescribed by the Administrator, to have such
          contributions resumed. An Eligible Employee may make such election at such time or times as the Administrator may prescribe, by giving such number of days advance notice of his election as the Administrator may require.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z6486b31513494887b01b00c2eaa73f6b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.7</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Delivery of After-Tax Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">As soon after the date an amount would otherwise be paid to an Eligible Employee as it can reasonably be separated from Employer assets, the Employer shall cause to be delivered to the Trustee in cash the
          After-Tax Contributions attributable to such amount.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1b035be3e90c493aa2526b4d21512002" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.8</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Separate Accounting for After-Tax Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Any After-Tax Contributions made or transferred to the Plan on behalf of a Participant shall be allocated to a separate Sub-Account maintained with respect to such contributions. The Administrator shall
          maintain a record of the portion of a Participant&#8217;s After-Tax Contributions Sub-Account that is not taxable upon distribution from the Plan. Earnings, losses, and other credits and charges shall be allocated on a reasonable and consistent basis
          among a Participant&#8217;s After-Tax Contributions Sub-Account and his other Sub-Accounts under the Plan. No amounts other than After-Tax Contributions and properly attributable earnings shall be credited to a Participant&#8217;s After-Tax Contributions
          Sub-Account. Notwithstanding the foregoing, after-tax Rollover Contributions may be allocated to a Participant&#8217;s After-Tax Contributions Sub-Account.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">12.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 5.3 of the Plan, &#8220;Direct Rollovers to Plan&#8221;, is hereby renumbered as Section 5.10 and further amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">The Plan will accept &#8220;eligible rollover distributions&#8221; that are rolled over directly to the Plan (&#8220;direct rollovers&#8221;) from the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd0dc3e89361b4c2ab66daf2f29e7aab4" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>a qualified plan described in Code Section 401(a) or 403(a), including amounts attributable to after-tax employee contributions and designated Roth contributions, as described in Code Section 402A.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">6</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z5196a7468d1d432c8665299e991fd50f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an annuity contract described in Code Section 403(b), including amounts attributable to after-tax employee contributions and designated Roth contributions, as described in Code Section 402A.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z89e3961ca5544642b10173f3112ecfb8" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, including amounts attributable to designated
                  Roth contributions, as described in Code Section 402A.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd19aaa9fe08b4d689c0f32663a3e5d6c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an individual retirement account or annuity described in Code Section 408(a) or 408(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">13.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 5.4 of the Plan, &#8220;Participant Rollovers to Plan&#8221;, is hereby renumbered as Section 5.11 and further amended to read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">The Plan will accept &#8220;eligible rollover distributions&#8221; that are first distributed to an Eligible Employee (&#8220;participant rollovers&#8221;) from the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zfdfa4aa30c1840d084d01094b4420851" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>a qualified plan described in Code Section 401(a) or 403(a), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions, except that the Plan will accept
                  participant rollovers of the taxable portion of any distribution of designated Roth contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="ze5e0b1f819104997ab198f3a5eb8b8eb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an annuity contract described in Code Section 403(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, or after-tax employee contributions, except that the Plan will accept participant
                  rollovers of the taxable portion of any distribution of designated Roth contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z8daf777b3483453c9bf0733697ef530d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, including amounts attributable to designated
                  Roth contributions, as described in Code Section 402A.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z76f3f34b91a94c1ea885e479a2459f8a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>an individual retirement account or annuity described in Code Section 408(a) or 408(b), excluding amounts attributable to designated Roth contributions, as described in Code Section 402A, and after-tax employee contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">An Eligible Employee who received a distribution that he is rolling over to the Plan, must deliver the cash constituting his Rollover Contribution to the Trustee within 60 days of receipt, unless otherwise
          permitted by applicable guidance, of the eligible rollover distribution. Such delivery must be made in the manner prescribed by the Administrator.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">7</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">14.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 5.5 of the Plan, &#8220;Restrictions on Rollover Contributions&#8221;, is hereby renumbered as Section 5.12 and further amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Rollover Contributions to the Plan are subject to the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z6d969c7dbe7e4defae57e62d77bd65f0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Except as provided below, the Plan shall not accept a Rollover Contribution of any promissory note attributable to a plan loan; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="za7776c5e98974df38d83ef6e859b1093" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>except as otherwise provided with respect to the taxable portion of any distribution of designated Roth contributions, a participant rollover may not include designated Roth contributions, as described in Code Section 402A, or
                  after-tax employee contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding the foregoing (or the requirement that a Rollover Contribution be made in cash), an Eligible Employee may elect to make a Rollover Contribution of a promissory note attributable to a plan
          loan from the Empire National Bank 401(k) Plan on such terms and conditions as the Administrator may require, provided such loan was not funded from a designated Roth contribution or after-tax employee contribution source and such rollover is a
          direct rollover which would otherwise satisfy the Plan&#8217;s requirements for a Rollover Contribution. Any such promissory note shall continue to be administered in accordance with its terms.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">15.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Article V of the Plan &#8220;After-Tax and Rollover Contributions&#8221; is hereby amended by adding a new section and renumbering the remaining sections. Sections 5.13 through 5.16 shall read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z5b1b77009adf46b8a411c2833658928c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.13</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Treatment of After-Tax Contributions that are Rolled Over to the Plan</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If an Eligible Employee elects to roll over amounts attributable to after-tax employee contributions, the Trustee shall account for such amounts separately from other Rollover Contributions and shall
          maintain accounts reflecting that portion of the Eligible Employee&#8217;s after-tax Rollover Contribution that is includible in gross income and that portion that is not includible in gross income. After-tax employee contributions that are rolled over
          to the Plan shall be subject to the provisions of the Plan applicable to Rollover Contributions rather than the provisions applicable to After-Tax Contributions, if any.</div>
        <div>&#160;</div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">8</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <table cellspacing="0" cellpadding="0" id="zc6a58be30a314baf97602e6afd6d497d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

              <tr>
                <td style="width: 95.95pt;"><br>
                </td>
                <td style="width: 36.05pt; vertical-align: top; font-weight: bold;">5.14</td>
                <td style="width: auto; vertical-align: top;">
                  <div style="font-weight: bold;">Treatment of Designated Roth Contributions that are Rolled Over to the Plan</div>
                </td>
              </tr>

          </table>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">If an Eligible Employee elects to roll over amounts attributable to designated Roth contributions, as described in Code Section 402A, the Trustee shall account for such amounts separately from other Rollover
          Contributions. If the Plan accepts a direct</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">rollover attributable to designated Roth contributions, the Trustee and the Administrator shall be entitled to rely on a statement from the distributing plan&#8217;s administrator identifying (i) the Eligible
          Employee&#8217;s basis in the rolled over amounts and (ii) the date on which the Eligible Employee&#8217;s 5-taxable-year period of participation (as required under Code Section 402A(d)(2) for a qualified distribution of designated Roth contributions)
          started under the distributing plan. If the 5-taxable-year period of participation under the distributing plan would end earlier than the Eligible Employee&#8217;s 5- taxable-year period of participation under the Plan, the 5-taxable-year period of
          participation applicable under the distributing plan shall continue to apply with respect to the Rollover Contribution. The Trustee shall notify the Administrator of its acceptance of any participant rollover of designated Roth contributions and
          shall provide such further information as the Administrator may require. An Eligible Employee&#8217;s 5-taxable-year period of participation under the Plan shall apply for purposes of determining whether distribution of a participant rollover of the
          taxable portion of a distribution attributable to designated Roth contributions is a qualified distribution under Code Section 402A(d)(2).</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Designated Roth contributions that are rolled over to the Plan shall be subject to the provisions of the Plan applicable to Rollover Contributions rather than the provisions applicable to Roth 401(k)
          Contributions.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7b55e5e521c84d6fb87567968f883263" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.15</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Roth In-Plan Rollover Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;"><u>Rollovers of Otherwise Distributable Amounts:</u> Subject to any restrictions contained in this Article, a Participant who is eligible to receive an &#8220;eligible rollover distribution,&#8221; within the meaning of
          Code Section 402(c)(4), may elect in accordance with rules prescribed by the Administrator to roll over all or any portion of such distribution, other than any amount which is a designated Roth contribution described in Code Section 402A, to his
          designated Roth account under the Plan.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any provision of Article XIII to the contrary, any limitation on in- service withdrawals specified in Article XIII shall not apply to an in-service withdrawal made for purposes of making a
          Roth In-Plan Rollover Contribution.</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant&#8217;s Roth In- Plan Rollover Contributions Sub-Account attributable to otherwise distributable amounts shall be distributable in
          accordance with rules that are no more restrictive than the distribution rules applicable to such contributions prior to roll over.</div>
        <div>&#160;</div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">9</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">If a Participant makes an election pursuant to this Section, his Roth In-Plan Rollover Contribution shall be irrevocably designated as being made pursuant to, and intended to comply with, Code Section 402A
          and the nontaxable portion of his Roth In-Plan Rollover Contribution shall be included in his gross income for the taxable year in which the Roth In-Plan Rollover Contribution is made. The taxable amount of an In-Plan Roth Rollover is the fair
          market value of the distribution reduced by any basis the Participant has in the distribution. This amount will be included in a Participant&#8217;s gross income. If the distribution includes Employer securities, the fair market value includes any net
          unrealized appreciation within the meaning of Code Section 402(e)(4). In-Plan Roth Rollovers will not be treated as a distribution for purposes of obtaining spousal consent relating to annuities and distribution of amounts in excess of $5,000 as
          described by Code Section 401(a)(11), or the rules regarding the elimination of optional forms of benefit under Code Section 411(d)(6)(B)(ii). In-Plan Roth Rollovers will not be subject to the 10% additional tax on early distribution, however,
          any Participant who receives a distribution from the Roth Rollover Account within the 5-year period that begins on January 1 of the year of the rollover may become subject to such tax. In-Plan Roth Rollovers are not subject to the 20% mandatory
          withholding of Code Section 3405(c) however, Participants may elect to increase payroll withholding or make estimated tax payments to avoid an underpayment penalty. Participants who had a distribution right prior to the rollover may not have this
          right eliminated through an In-Plan Roth Rollover. </div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If a Participant elects to make a Roth In-Plan Rollover Contribution, the Trustee shall account for his Roth In-Plan Rollover Contributions separately from his other non-Roth Rollover Contributions. For the
          purposes of determining whether a distribution from a Participant&#8217;s Roth In-Plan Rollover Contributions Sub-Account is a qualified distribution under Code Section 402A(d)(2), the 5-taxable-year period of participation shall begin on January 1 of
          the taxable year in which the Participant first made a Roth In-Plan Rollover Contribution. If, pursuant to this Article V, the Participant made a direct Rollover Contribution to the Plan from a designated Roth account under another plan, the 5-
          taxable-year period of participation shall begin on January 1 of the earlier of (i) the taxable year in which the Participant first made a Roth In-Plan Rollover Contribution or (ii) the taxable year in which the Participant first made a
          contribution to the designated Roth account under the plan of the other employer. </div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant&#8217;s Roth In- Plan Rollover Contributions Sub-Account shall be taken into account for the purposes of the Section of the Plan
          entitled &#8220;Cash Outs and Participant Consent&#8221; and shall be distributable in accordance with rules that are no more restrictive than the distribution rules applicable to such contributions prior to roll over.</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z131662ff1cef4902bb050075f75d060d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.9pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top; font-weight: bold;">5.16</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Special Rules Applicable to Roth Rollover Contributions and Roth In-Plan Rollover Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, any distribution from a Participant&#8217;s Roth Rollover Contributions Sub-Account and/or Roth In-Plan Rollover Contributions Sub-Account made
          after the Participant&#8217;s 5-taxable-year period of participation, as described in Code Section 402A(d)(2)(B), that is a qualified distribution under Code Section 402A(d)(2)(A), shall not be taxable to the Participant or his Beneficiary. A
          Participant&#8217;s 5-taxable-year period of participation shall begin on January 1 of the taxable year in which occurs the earliest of the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z924323faab0d476ba320133164b72286" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>the date the Participant first makes a Roth 401(k) Contribution to the Plan that is not distributed as an &#8220;excess deferral&#8221; or &#8220;excess contribution&#8221; (as those terms are defined in Section 7.1) and is not returned as a permissible
                  withdrawal in accordance with the provisions of Code Section 414(w);</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">10</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z53db6d633a6a45808651bb83720228aa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>the date the Participant first makes a Roth Rollover Contribution to the Plan;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3bdc3953170c4eebb2768b910e787a58" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>if the Participant makes a Roth Rollover Contribution to the Plan directly from a designated Roth account under another plan, the date the Participant first made a contribution to the designated Roth account under such other plan that
                  was not distributed or returned as described in paragraph (a) above; or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="ze4b78ef12b51404d845d0b7b39cef7ac" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>the date the Participant first makes a Roth In-Plan Rollover Contribution.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">In administering Roth Rollover Contributions, the Trustee and the Administrator shall be entitled to rely on a statement from the distributing plan&#8217;s administrator identifying (i) the Covered Employee&#8217;s
          basis in the rolled over amounts and (ii) the date on which the Covered Employee&#8217;s 5-taxable-year period of participation started under the distributing plan.</div>
        <div><br>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 16.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 5.6 of the Plan, &#8220;Vesting of Rollover Contributions&#8221;, is hereby renumbered as Section 5.17, retitled, and further amended to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div style="margin-right: 25.65pt; margin-left: 59.95pt;"> <br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z60dae80a7c804954a77453d7f126873a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top; font-weight: bold;">5.17</td>
              <td style="width: auto; vertical-align: top;">
                <div style="font-weight: bold;">Vesting of After-Tax Contributions and Rollover Contributions and Roth In- Plan Rollover Contributions</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant&#8217;s vested interest in his After-Tax Contributions Sub-Account and his Roth In-Plan Rollover Contributions Sub-Account and his Rollover Contributions Sub- Account shall be at all times 100%.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">17.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 6.7 of the Plan, &#8220;Limits on Matching Contributions&#8221;, is hereby amended by adding a new subsection (c) to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;">Notwithstanding any other provision of this Article to the contrary, Matching Contributions shall not be made with respect to:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zeb8eabc4f5f248e3ae190035c7647666" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>401(k) Contributions that exceed 6% of the Eligible Employee&#8217;s Compensation for a Contribution Period; or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd2c0079998534709a654829ce397b203" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Catch-Up 401(k) Contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z11604a18983a49d3b0a6e6cdbb5a959f" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>After-Tax Contributions.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">11</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">18.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.1 of the Plan, &#8220;Special Definitions&#8221;, is hereby amended at the definition of &#8220;contribution percentage&#8221; to read as follows:</div>
          <div> </div>
        </div>
        <div style="text-align: justify; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">The &#8220;<font style="font-weight: bold;">contribution percentage</font>&#8221; with respect to an &#8220;eligible participant&#8221; for a particular</div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Plan Year means the ratio of the sum of the included contributions, described below, to the &#8220;eligible participant&#8217;s&#8221; &#8220;test compensation&#8221; for such Plan Year. Contributions made by or on behalf of an &#8220;eligible
          participant&#8221; for the Plan Year that are used in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; include the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0c2a8a0f9a8a4a758db8a187f5ae3b75" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>After-Tax Contributions, excluding contributions to the Plan made pursuant to Code Section 414(u) that are treated as After-Tax Contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3945f2ff8a674f90ac2cd308eb4d299c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Matching Contributions, except as specifically provided below;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z694eaee878c24a64aa0a982c54631d46" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>as directed by the Administrator, 401(k) Contributions, including Roth 401(k) Contributions and Catch-Up 401(k) Contributions, to the extent such 401(k) Contributions are subject to the ADP test described in Section 7.4 and the ADP
                  test is satisfied whether or not such 401(k) Contributions are included in determining the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; for the Plan Year; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z09f15e7db7084771b55b1d0e26b2e4a1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>as directed by the Administrator, Special Annual Company Contributions, to the extent such Special Annual Company Contributions are not included in determining the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; for such Plan Year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding the foregoing, the following Matching Contributions are not included in computing an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; for a Plan Year:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z870a66f22a934aa5a2a9a7e0de1826df" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Matching Contributions that are forfeited because they relate to 401(k) Contributions that are distributed as &#8220;excess contributions&#8221;, &#8220;excess deferrals&#8221;, or because they exceed the Code Section 402(g) limit;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd98b642fb65b48f3a454411b4adc59b7" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>contributions to the Plan made pursuant to Code Section 414(u) that are treated as Matching Contributions; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zf66ed7fd2b384c77bc651a737f97b546" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Matching Contributions that are forfeited because they relate to 401(k) Contributions that are re-characterized as Catch-Up 401(k) Contributions.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">12</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Matching Contributions in excess of 100% of the 401(k) Contributions of an &#8220;eligible participant&#8221; who is not a Highly Compensated Employee for a Plan Year shall not be used in computing such &#8220;eligible
          participant&#8217;s&#8221; &#8220;contribution percentage&#8221; for the Plan Year to the extent that such Matching Contributions exceed the greater of (i) 5% of the &#8220;eligible participant&#8217;s&#8221; &#8220;test compensation&#8221; for the Plan Year or (ii) the product of 2 times the Plan&#8217;s
          &#8220;representative match rate&#8221; multiplied by the &#8220;eligible participant&#8217;s&#8221; 401(k) Contributions for the Plan Year. The Plan&#8217;s &#8220;representative match rate&#8221; is the lowest &#8220;match rate&#8221; of any &#8220;eligible participant&#8221; who is not a Highly Compensated
          Employee for the Plan Year in either (i) the group consisting of half of all &#8220;eligible participants&#8221; who are not Highly Compensated Employees for the Plan Year and who make 401(k) Contributions for the Plan Year, or (ii) the group of all
          &#8220;eligible participants&#8221; who are not Highly Compensated Employees for the Plan Year and who are employed by the Employer or a Related Employer on the last day of the Plan Year and who make 401(k) Contributions for the Plan Year, whichever results
          in the greater amount. An &#8220;eligible participant&#8217;s &#8220;match rate&#8221; means the Matching Contributions made on behalf of the &#8220;eligible participant&#8221; for the Plan Year divided by the &#8220;eligible participant&#8217;s&#8221; 401(k) Contributions for the Plan Year;
          provided, however, that if Matching Contributions are made at different rates for different levels of Compensation, the &#8220;match rate&#8221; shall be determined assuming 401(k) Contributions equal to 6% of &#8220;test compensation&#8221;. </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">To be included in computing an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; for a Plan Year, After-Tax Contributions must be contributed to the Plan before the end of such Plan Year. Notwithstanding
          the foregoing, &#8220;excess contributions&#8221; that are re- characterized as After-Tax Contributions as provided in Section 7.6 shall be included in a Highly Compensated Employee&#8217;s &#8220;contribution percentage&#8221; for the Plan Year that includes the time at
          which the &#8220;excess contribution&#8221; is included in the Highly Compensated Employee&#8217;s gross income. Other contributions must be allocated to the &#8220;eligible participant&#8217;s&#8221; Account as of a date within such Plan Year and must be made to the Plan before
          the end of the 12-month period immediately following the Plan Year to which the contributions relate. For Plan Years in which the prior year testing method is used in applying the nondiscrimination requirements applicable to After-Tax
          Contributions and Matching Contributions, contributions used in computing the &#8220;contribution percentage&#8221; for the &#8220;testing year&#8221; of a non-Highly Compensated Employee must be made before the last day of the Plan Year for which the test is being
          applied.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If an Employer elects to change from the current year testing method to the prior year testing method, the following shall not be included in computing a non-Highly Compensated Employee&#8217;s &#8220;contribution
          percentage&#8221; for the Plan Year immediately preceding the Plan Year in which the prior year testing method is first effective:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zec9fca5d2e8447f78b489d12333f8c7c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.9pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>401(k) Contributions that were included in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zda7e37d8315243ae9cec6468087c04ed" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.9pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Special Annual Company Contributions that were included in computing the &#8220;eligible participant&#8217;s&#8221; &#8220;deferral percentage&#8221; or &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">The determination of an &#8220;eligible participant&#8217;s&#8221; &#8220;contribution percentage&#8221; shall be made after any reduction required to satisfy the Code Section 415 limitations is made as provided in this Article VII and
          shall satisfy such other requirements as may be prescribed by the Secretary of the Treasury.<br>
          <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">13</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">19.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.1 of the Plan, &#8220;Special Definitions&#8221;, is hereby amended at the definition of &#8220;deferral percentage&#8221; to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">The &#8220;<font style="font-weight: bold;">deferral percentage</font>&#8221; with respect to an Eligible Employee for a particular Plan Year means the ratio of the sum of the included contributions, described below, to
          the Eligible Employee&#8217;s &#8220;test compensation&#8221; for such Plan Year. Contributions made on behalf of an Eligible Employee for the Plan Year that are used in computing the Eligible Employee&#8217;s &#8220;deferral percentage&#8221; include the following:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zeb57db2e0b704da8bfc6617378f196b0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>401(k) Contributions, including Roth 401(k) Contributions, except as specifically provided below; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z4f107fd8517643b8a4fbb788cd21f20d" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>as directed by the Administrator, Special Annual Company Contributions, to the extent such Special Annual Company Contributions are not included in determining the Eligible Employee&#8217;s &#8220;contribution percentage&#8221; for such Plan Year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding the foregoing, the following 401(k) Contributions are not included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z5f46071b938441909eaf9ab4709d6811" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>401(k) Contributions that are distributed to a non-Highly Compensated Employee in accordance with the provisions of Section 7.2 because they exceed the Code Section 402(g) limit;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd0d6000e28064364a3ae4b7c0f1cce84" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>contributions made to the Plan pursuant to Code Section 414(u) that are treated as 401(k) Contributions;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3c00d4f946c34ff1b4c470319e9d1312" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>Catch-Up 401(k) Contributions, except to the extent the Eligible Employee&#8217;s 401(k) Contributions are re-characterized as Catch-Up 401(k) Contributions as a result of a failure to satisfy the nondiscrimination requirements applicable to
                  401(k) Contributions; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z4e835310f9514c8f966514b1334181ec" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>401(k) Contributions that are included in determining an Eligible Employee&#8217;s &#8220;contribution percentage&#8221; for the Plan Year, except to the extent necessary to demonstrate satisfaction of the requirement of Treasury Regulations Section
                  1.401(m)-2(a)(6)(ii).</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">To be included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year, contributions must be allocated to the Eligible Employee&#8217;s Account as of a date within such Plan Year and be made to
          the Plan before the end of the 12-month period immediately following the Plan Year to which the contributions relate. For Plan Years in which the prior year testing method is used in applying the ADP test, contributions used in computing the
          &#8220;deferral percentage&#8221; for the &#8220;testing year&#8221; of a non-Highly Compensated Employee must be made before the last day of the Plan Year for which the test is being applied.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">14</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">401(k) Contributions included in computing an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for a Plan Year must relate to Compensation that either (i) would have been received by the Eligible Employee in such
          Plan Year or (ii) is attributable to services performed by the Eligible Employee in such Plan Year and would have been received by the Eligible Employee within 2 1/2 months of the close of such Plan Year. The Administrator shall direct, in
          accordance with uniform and non-discriminatory rules, whether 401(k) Contributions related to Compensation described in (ii) shall be included in an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for the Plan Year in which the services were performed
          or for the Plan Year in which the Compensation would have been received, provided that such 401(k) Contributions shall not be included in an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; for both such Plan Years.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If an Employer elects to change from the current year testing method to the prior year testing method, the following shall not be included in computing a non-Highly Compensated Employee&#8217;s &#8220;deferral
          percentage&#8221; for the Plan Year immediately preceding the Plan Year in which the prior year testing method is first effective:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc10d748de83547fda421ca7f82ea0e7c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.9pt;"><br>
              </td>
              <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>401(k) Contributions that were included in computing the Eligible Employee&#8217;s &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z408c891a8ce84f5a8f9aede212ab982e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.9pt;"><br>
              </td>
              <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Special Annual Company Contributions that were included in computing the Eligible Employee&#8217;s &#8220;deferral percentage&#8221; or &#8220;contribution percentage&#8221; under the current year method for such immediately preceding Plan Year.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">The determination of an Eligible Employee&#8217;s &#8220;deferral percentage&#8221; shall be made after any reduction required to satisfy the Code Section 415 limitations is made as provided in this Article VII and shall
          satisfy such other requirements as may be prescribed by the Secretary of the Treasury.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">20.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.1 of the Plan, &#8220;Special Definitions&#8221;, is hereby amended at the definition of &#8220;eligible participant&#8221; to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">An &#8220;<font style="font-weight: bold;">eligible participant</font>&#8221; means any Eligible Employee who is eligible to make After- Tax Contributions or to have 401(k) Contributions made on his behalf (if 401(k)
          Contributions are taken into account in determining &#8220;contribution percentages&#8221;), or to participate in the allocation of Matching Contributions.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding the foregoing, the following Employees shall not be included as &#8220;eligible participants&#8221;:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc2a7ac5d0b3b44609d3b6d5b3ef87cd1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 17.95pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top; text-align: justify;">
                <div>Eligible Employees who are covered by a collective bargaining agreement between their Employer and employee representatives if retirement benefits were the subject of good faith bargaining.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">15</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 21.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.2 of the Plan, &#8220;Code Section 402(g) Limits&#8221;, is hereby amended at the second paragraph to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div style="margin-right: 10.1pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">If an Employer notifies the Administrator that the Code Section 402(g) limit has nevertheless been exceeded by an Eligible Employee for his taxable year, the 401(k) Contributions that, when aggregated with
          &#8220;elective contributions&#8221; made on behalf of the Eligible Employee under any other plan of an Employer or a Related Employer, would exceed the Code Section 402(g) limit, plus any income and minus any losses attributable thereto, shall be either
          re-characterized as Catch-Up 401(k) Contributions or distributed to the Eligible Employee no later than the April 15 immediately following such taxable year. If an Eligible Employee has made both Pre-Tax and Roth 401(k) Contributions for the
          year, the excess shall be deemed to consist first of Pre-Tax 401(k) Contributions made on behalf of the Eligible Employee.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">22.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.3 of the Plan, &#8220;Distribution of &#8220;Excess Deferrals&#8221;, is hereby amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, if a Participant notifies the Administrator in writing (or in any other form acceptable to the Administrator) no later than the March 1
          following the close of the Participant&#8217;s taxable year that &#8220;excess deferrals&#8221; have been made on his behalf under the Plan for such taxable year, the &#8220;excess deferrals&#8221;, plus any income and minus any losses attributable thereto, shall be
          distributed to the Participant no later than the April 15 immediately following such taxable year. If the Participant made both Pre-Tax and Roth 401(k) Contributions for the year, the Participant&#8217;s notice must also designate whether the &#8220;excess
          deferrals&#8221; are Pre-Tax and/or Roth 401(k) Contributions. If the Participant makes no designation, the Administrator shall not distribute &#8220;excess deferrals&#8221; from the Plan.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Any 401(k) Contributions that are distributed to a Participant in accordance with this Section shall nevertheless be taken into account in determining the Participant&#8217;s &#8220;deferral percentage&#8221; for the &#8220;testing
          year&#8221; in which the 401(k) Contributions were made.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If 401(k) Contributions are distributed to a Participant in accordance with this Section, Matching Contributions that are attributable solely to the distributed 401(k) Contributions, plus any income and
          minus any losses attributable thereto, shall be forfeited by the Participant no earlier than the date on which distribution of 401(k) Contributions pursuant to this Section occurs and no later than the last day of the Plan Year following the Plan
          Year for which the Matching Contributions were made.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">16</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">23.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.6 of the Plan, &#8220;Treatment of &#8220;Excess Contributions&#8221;, is hereby amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.65pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Except to the extent that a Highly Compensated Employee&#8217;s &#8220;excess contributions&#8221; may be re-characterized as Catch-Up 401(k) Contributions or After-Tax Contributions, &#8220;excess contributions&#8221; allocated to a
          Highly Compensated Employee pursuant to the preceding Section, plus any income and minus any losses attributable thereto, shall be distributed to the Highly Compensated Employee within 12 months of the close of the Plan Year in which they were
          made. If such excess amounts are distributed more than 2 1/2 months after the last day of the Plan Year for which the excess occurred, an excise tax of 10% may be imposed under Code Section 4979 on the Employer maintaining the Plan with respect
          to such amounts.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If a Highly Compensated Employee who has made &#8220;excess contributions&#8221; has made both Pre-Tax and Roth 401(k) Contributions for the year, the &#8220;excess contributions&#8221; shall be deemed to consist first of Pre-Tax
          401(k) Contributions made on behalf of the Highly Compensated Employee.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If excess 401(k) Contributions are distributed to a Participant or are re-characterized as Catch-Up 401(k) Contributions in accordance with this Section, Matching Contributions that are attributable solely
          to the re-characterized or distributed 401(k) Contributions, plus any income and minus any losses attributable thereto, shall be forfeited by the Participant no earlier than the date on which re-characterization or distribution of 401(k)
          Contributions pursuant to this Section occurs and no later than the last day of the Plan Year following the Plan Year for which the Matching Contributions were made.</div>
        <div><br>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 24.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.7 of the Plan, &#8220;Limitation on Contributions of Highly Compensated Employees &#8211; ACP Test&#8221;, is hereby amended to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, the Matching Contributions and After-Tax Contributions made with respect to a Plan Year on behalf of &#8220;eligible participants&#8221; who are Highly
          Compensated Employees may not result in an average &#8220;contribution percentage&#8221; for such &#8220;eligible participants&#8221; that exceeds the greater of:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z69688b16852740bd8ab9f5d425972b77" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>a percentage that is equal to 125% of the average &#8220;contribution percentage&#8221; for all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221;; or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z34d3269bc9c94e7cb1dcad8e9a7fa3fe" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>a percentage that is not more than 200% of the average &#8220;contribution percentage&#8221; for all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221; and that is not more than 2 percentage points higher than the average &#8220;contribution
                  percentage&#8221; for all other &#8220;eligible participants&#8221; for the &#8220;testing year&#8221;, unless the &#8220;excess aggregate contributions&#8221;, determined as provided in the following Section are forfeited or distributed as provided in Section 7.8.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">17</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">If the Plan provides that Employees are eligible to make After-Tax Contributions and/or receive Matching Contributions before they have satisfied the minimum age and service requirements under Code Section
          410(a)(1)(A) and applies Code Section 410(b)(4)(B) in determining whether the portion of the Plan subject to Code Section 401(m) meets the requirements of Code Section 410(b)(1), the Administrator may apply the limitations described above either:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z30ba09b28a3346968830dcf9762c3d55" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>by comparing the average &#8220;contribution percentage&#8221; of all &#8220;eligible participants&#8221; who are Highly Compensated Employees for the Plan Year to the average &#8220;contribution percentage&#8221; for the &#8220;testing year&#8221; of all other &#8220;eligible
                  participants&#8221; who have satisfied the minimum age and service requirements under Code Section 410(a)(1)(A); or</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zfbff00a05336496a922f3e757fb2dc2b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>separately with respect to &#8220;eligible participants&#8221; who have not satisfied the minimum age and service requirements under Code Section 410(a)(1)(A) and &#8220;eligible participants&#8221; who have satisfied such minimum age and service
                  requirements.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">In determining the &#8220;contribution percentage&#8221; for any &#8220;eligible participant&#8221; who is a Highly Compensated Employee for the Plan Year, &#8220;matching contributions&#8221;, &#8220;employee contributions&#8221;, &#8220;qualified nonelective
          contributions&#8221;, and &#8220;elective 401(k) contributions&#8221; (to the extent that &#8220;qualified nonelective contributions&#8221; and &#8220;elective 401(k) contributions&#8221; are taken into account in determining &#8220;contribution percentages&#8221;) made to his accounts under any
          plan of an Employer or a Related Employer that is not mandatorily disaggregated pursuant to Treasury Regulations Section 1.410(b)-7(c), as modified by Section 1.401(m)-1(b)(4) (without regard to the prohibition on aggregating plans with
          inconsistent testing methods contained in Section 1.401(m)-1(b)(4)((iii)(B) and the prohibition on aggregating plans with different plan years contained in Section 1.410(b)-7(d)(5)), shall be treated as if all such contributions were made to the
          Plan; provided, however, that if such a plan has a plan year different from the Plan Year, any such contributions made to the Highly Compensated Employee&#8217;s accounts under the other plan during the Plan Year shall be treated as if such
          contributions were made to the Plan.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If one or more plans of an Employer or a Related Employer are aggregated with the Plan for purposes of satisfying the requirements of Code Section 401(a)(4) or 410(b), the &#8220;contribution percentages&#8221; under
          the Plan shall be calculated as if the Plan and such one or more other plans were a single plan. Pursuant to Treasury Regulations Section 1.401(m)-1(b)(4)(v), an Employer may elect to calculate &#8220;contribution percentages&#8221; aggregating ESOP and
          non-ESOP plans. In addition, an Employer may elect to calculate &#8220;contribution percentages&#8221; aggregating bargained plans maintained for different bargaining units, provided that such aggregation is done on a reasonable basis and is reasonably
          consistent from year to year. Plans may be aggregated under this paragraph only if they have the same plan year and utilize the same testing method to satisfy the requirements of Code Section 401(m).</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">18</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 95.95pt;">The Administrator shall maintain records sufficient to show that the limitation contained in this Section was not exceeded with respect to any Plan Year and the amount of the &#8220;elective 401(k)
          contributions&#8221;, &#8220;qualified nonelective contributions&#8221;, and/or &#8220;qualified matching contributions&#8221; taken into account in determining &#8220;contribution percentages&#8221; for any Plan Year.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">25.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 7.9 of the Plan, &#8220;Forfeiture or Distribution of &#8220;Excess Aggregate Contributions&#8221;, is hereby amended to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#8220;Excess aggregate contributions&#8221; allocated to a Highly Compensated Employee pursuant to the preceding Section, plus any income and minus any losses attributable thereto, shall be forfeited, to the extent
          forfeitable, or distributed within 12 months of the close of the Plan Year in which they were made, as hereinafter provided. If such excess amounts are forfeited or distributed more than 2 1/2 months after the last day of the Plan Year for which
          the excess occurred, an excise tax may be imposed under Code Section 4979 on the Employer maintaining the Plan with respect to such amounts.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Excess amounts shall be forfeited or distributed from a Highly Compensated Employee&#8217;s Account in the order prescribed by the Administrator, which order shall be uniform with respect to all Highly Compensated
          Employees and non-discriminatory. If &#8220;excess aggregate contributions&#8221; are allocated to a Highly Compensated Employee&#8217;s 401(k) Contributions Sub-Accounts, and the Highly Compensated Employee has made both Pre- Tax and Roth 401(k) Contributions for
          the Plan Year, the &#8220;excess aggregate contributions&#8221; shall be deemed to consist first of Pre-Tax 401(k) Contributions made on behalf of the Highly Compensated Employee.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#8220;Excess aggregate contributions&#8221; that are vested shall in all cases be distributed. Excess Matching Contributions that are not vested shall be forfeited. Any amounts forfeited with respect to a Participant
          pursuant to this Section shall be treated as a forfeiture under the Plan no later than the last day of the Plan Year following the Plan Year for which the Matching Contributions were made.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">26.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 12.4 of the Plan, &#8220;Legal Requirements Applicable to Plan Loans&#8221;, is hereby amended at subsection (c) to read as follows:</div>
          <div> </div>
        </div>
        <div> <br>
        </div>
        <table cellspacing="0" cellpadding="0" id="z6506f9cb01ef4805a4f5761e6a8100e3" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Substantially level amortization shall be required over the term of the loan with</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 132pt;">payments made not less frequently than quarterly. If a loan is made from a Participant&#8217;s Roth 401(k) Contributions Sub-Account and from his other Sub- Accounts under the Plan, the level amortization
          requirement shall be met with respect to both his Roth 401(k) Contributions Sub-Account and his other Sub- Accounts. Notwithstanding the foregoing, if so provided in the written guidelines applicable to Plan loans, the amortization schedule may
          be waived and payments suspended while a Participant is on a leave of absence from employment with an Employer or any Related Employer (for periods in which the Participant does not perform military service as described in paragraph (d) below),
          provided that all of the following requirements are met:</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">19</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="z201c0c18ecef4dc282ae18b1823c2f1c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 132pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Such leave is either without pay or at a reduced rate of pay that, after withholding for employment and income taxes, is less than the amount required to be paid under the amortization schedule;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z1baffc4c76be4583bf7b1b15b6b97af1" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 132pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Payments resume after the earlier of (a) the date such leave of absence ends or (b) the one-year anniversary of the date such leave began;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z052bb0665eab474f8deddc451602515b" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The period during which payments are suspended does not exceed one year;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zdfd701e22f6a468ca70d8b592b8189f5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.9pt;"><br>
              </td>
              <td style="width: 36.05pt; vertical-align: top;">(iv)</td>
              <td style="width: auto; vertical-align: top;">
                <div>Payments resume in an amount not less than the amount required under the original amortization schedule; and</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z19d7df8392b64be9bd78634668170d2c" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(v)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The waiver of the amortization schedule does not extend the period of the loan beyond the maximum period permitted under this Article.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">27.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 12.8 of the Plan, &#8220;Treatment of Outstanding Balance of Loan Deemed Distributed Under Code Section 72(p)&#8221;, is hereby amended at the second paragraph to read as follows:</div>
          <div> </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">If a Participant elects to make payments on a loan after it is deemed to have been distributed hereunder, such payments shall be treated as After-Tax Contributions, to the Plan solely for purposes of
          determining the taxable portion of the Participant&#8217;s Account and shall not be treated as After-Tax Contributions for any other Plan purpose, including application of the limitations on contributions applicable under Code Sections 401(m) and 415.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">28.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Article XIII of the Plan, &#8220;Withdrawals While Employed&#8221;, is hereby amended by adding a new Section 13.1 and renumbering the remaining sections. Section 13.1 shall read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div>
          <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%;" id="z9615dfda79da4381bd458c5ec545df24" class="DSPFListTable">

              <tr style="vertical-align: top;">
                <td style="width: 95.95pt;">&#160;</td>
                <td style="text-align: right; vertical-align: top; width: 36pt;">
                  <div style="text-align: left;"><font style="font-weight: bold;">13.1</font></div>
                </td>
                <td style="text-align: left; vertical-align: top; width: auto;">
                  <div><font style="font-weight: bold;">Non-Hardship Withdrawals of After-Tax Contributions</font></div>
                </td>
              </tr>

          </table>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant who is employed by an Employer or a Related Employer may elect at any time, subject to the limitations and conditions prescribed in this Article, to make a withdrawal from his After-Tax
          Contributions Sub-Account. No forfeiture of Employer contributions (including any minimum contributions made in a top-heavy plan) will occur solely as a result of a Participant&#8217;s withdrawal of any Employee Contributions.</div>
        <div><br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">20</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 29.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 13.2 of the Plan, &#8220;Non-Hardship Withdrawals of Restricted Contributions&#8221; is renumbered as Section 13.3 and amended to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div style="margin-right: 6.75pt; margin-left: 95.95pt;"> <br>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant who is employed by an Employer or a Related Employer and who has attained age 59 1/2 may elect, subject to the limitations and conditions prescribed in this Article, to make a withdrawal from
          his vested interest in any of the following Sub- Accounts:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z7d2a3ac48a4d4ec59960371b12e51123" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Pre-Tax 401(k) Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z3c16bf09c98d4d5ab622195b2025c2aa" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Roth 401(k) Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z97f1539a65d74e77a506ea14473c0abb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Special Annual Company Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 30.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 13.5 of the Plan, &#8220;Withdrawal Upon Deemed Severance from Employment Due to Qualified Military Service&#8221; is renumbered as Section 13.6 and amended to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, a Participant who is absent from employment because of service with the uniformed services (as described in United States Code, Title 38,
          Chapter 43) for more than 30 days shall be treated as if he had incurred a severance from employment for purposes of receiving a distribution under Code Section 401(k)(2)(B)(i)(I). A Participant who is deemed to have incurred a severance from
          employment hereunder may elect to receive a cash withdrawal from his vested interest in any of the following Sub-Accounts:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z61a2c1dba41146dc9dd60d37a1cae266" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his 401(k) Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If a Participant receives distribution in accordance with the provisions of this Section and would not otherwise be entitled to receive distribution under the terms of the Plan other than this Section, his
          401(k) Contributions and After-Tax Contributions and the Participant&#8217;s &#8220;elective contributions&#8221; and &#8220;employee contributions&#8221;, as defined in Section 7.1, under all other qualified and non-qualified deferred compensation plans maintained by an
          Employer or any Related Employer shall be suspended for at least 6 months after his receipt of the withdrawal. However, if the distribution is also a &#8220;qualified reservist distribution&#8221;, the suspension shall not apply.</div>
        <div style="margin-right: 6.75pt; margin-left: 96pt;"> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">21</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin: 0px 0px 0px 95.9pt;">For purposes of this Section, a &#8220;qualified reservist distribution&#8221; means a distribution to a reservist or national guardsman who is ordered or called to active duty after September 11, 2001, either (1) for
          an indefinite period or (2) for a period longer than 179 days, provided such distribution is made during the period beginning on the date the Participant is ordered or called to active duty and ending on the date the Participant&#8217;s active duty
          period closes.</div>
        <div><br>
        </div>
        <div>
          <div>
            <div style="margin: 0px 0px 0px 59.9pt;"> 31.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 13.7 of the Plan, &#8220;Hardship Withdrawals&#8221; is renumbered as Section 13.8 and amended to read as follows:</div>
            <div> </div>
          </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant who is employed by an Employer or a Related Employer and who is determined by the Administrator to have incurred a hardship in accordance with the provisions of this Article may elect, subject
          to the limitations and conditions prescribed in this Article, to make a cash withdrawal from his vested interest in any of the following Sub-Accounts:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z04e5102cbab945a5848707a9ef835e7e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Pre-Tax 401(k) Contributions Sub-Account, including any income credited to such Sub-Account after December 31, 1988.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z675bed2fc3a64a5380cff61d08ca189e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Roth 401(k) Contributions Sub-Account, including any income credited to such Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z326317690cf24482b721f70bf962feee" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Rollover Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z462b28e866914ee7be164b5df1903f63" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 18pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Matching Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zd9b6935b811d46b0b1718c0b1443b485" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 18.05pt; vertical-align: top;">&#8226;</td>
              <td style="width: auto; vertical-align: top;">
                <div>that portion, if any, of his Special Annual Company Contributions Sub Account credited to such Sub Account as of December 31, 1988.</div>
              </td>
            </tr>

        </table>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">32.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 13.9 of the Plan, &#8220;Satisfaction of Necessity for Hardship Withdrawals&#8221; is renumbered as Section 13.10 and amended to read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A withdrawal shall be deemed to be necessary to satisfy an immediate and heavy financial need of a Participant only if the withdrawal is not in excess of the amount of the immediate and heavy financial need
          of the Participant and the Participant satisfies all of the following requirements:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z90ac063ffff84686a1bfdf8d3cb283f2" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96.05pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The withdrawal is not in excess of the amount of the immediate and heavy financial need of the Participant, including amounts necessary to pay any federal, state, or local income taxes or penalties reasonably anticipated to result from
                  the withdrawal.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">22</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <table cellspacing="0" cellpadding="0" id="zb3e4e57fed0642489db173daf197eeab" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Participant has obtained all distributions, other than hardship distributions, and all non-taxable (at the time of the loan) loans currently available under all plans maintained by an Employer or any Related Employer.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc01be2024439468089bd6c1754e31d2a" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The Participant&#8217;s 401(k) Contributions and After-Tax Contributions and the Participant&#8217;s &#8220;elective contributions&#8221; and &#8220;employee contributions&#8221;, as defined in Section 7.1, under all other qualified and non-qualified deferred
                  compensation plans maintained by an Employer or any Related Employer shall be suspended for 6 months after his receipt of the withdrawal.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">A Participant shall not fail to be treated as an Eligible Employee for purposes of applying the limitations contained in Article VII of the Plan merely because his 401(k) Contributions are suspended in
          accordance with this Section.</div>
        <div><br>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">33.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 13.11 of the Plan, &#8220;Order of Withdrawals from a Participant&#8217;s Sub-Accounts&#8221; is renumbered as Section 13.12 and amended to read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Distribution of any withdrawal pursuant to this Article XIII shall be made from a Participant&#8217;s Sub-Accounts, to the extent necessary, in the following order:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zbcd8c59cf12745b9bb29a3535fb1f852" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(a)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Rollover Contributions Sub-Account;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zb2d8e0771c6c48fe9c22d9b8125dc154" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(b)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Pre-Tax 401(k) Contributions Sub-Account;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z09b14a6d900a4811b9d9d6393247a9d0" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(c)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his vested Matching Contributions A Sub-Account;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zfd8a8cc18184487ba86cdbc8c18da288" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his vested Matching Contributions B Sub-Account;</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z15e678b193e742ffbcdfab45ecf2be18" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(e)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Special Annual Company Contributions Sub-Account; then</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zfb7466201abc4e0483ef6f4049340856" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 35.95pt; vertical-align: top;">(f)</td>
              <td style="width: auto; vertical-align: top;">
                <div>his Roth 401(k) Contributions Sub-Account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If the Sub-Account from which a Participant is receiving a withdrawal is invested in more than one Investment Fund, the withdrawal shall be charged against the Investment Funds as directed by the
          Administrator.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">23</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 59.9pt;">34.&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Section 16.3 of the Plan, &#8220;Direct Rollover&#8221; is amended to read as follows:</div>
          <div> </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, in lieu of receiving distribution in a form of payment provided under this Article, a &#8220;qualified distributee&#8221; may elect in writing, in
          accordance with rules prescribed by the Administrator, to have a portion or all of any &#8220;eligible rollover distribution&#8221; paid directly by the Plan to the &#8220;eligible retirement plan&#8221; designated by the &#8220;qualified distributee&#8221;. Any such payment by the
          Plan to another &#8220;eligible retirement plan&#8221; shall be a direct rollover.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding the foregoing, a &#8220;qualified distributee&#8221; may not elect a direct rollover with respect to an &#8220;eligible rollover distribution&#8221; if the total value of the &#8220;eligible rollover distributions&#8221;
          expected to be made to the &#8220;qualified distributee&#8221; for the year is less than $200 or with respect to a portion of an &#8220;eligible rollover distribution&#8221; if the value of such portion is less than $500. In determining whether the total value of a
          &#8220;qualified distributee&#8217;s&#8221; &#8220;eligible rollover distributions&#8221; for the year is less than $200, &#8220;eligible rollover distributions&#8221; from a Participant&#8217;s Roth 401(k) Contributions Sub-Account and Roth In-Plan Rollover Contributions Sub-Accounts shall be
          considered separately from &#8220;eligible rollover distributions&#8221; from the Participant&#8217;s other Sub-Accounts. In applying the $500 minimum on rollovers of a portion of a distribution, any &#8220;eligible rollover distribution&#8221; from a Participant&#8217;s Roth
          401(k) Contributions Sub-Account and Roth In- Plan Rollover Contributions Sub-Accounts shall be treated as a separate distribution from any &#8220;eligible rollover distribution&#8221; from the Participant&#8217;s other Sub-Accounts (rather than as a part of such
          distribution), even if the distributions are made at the same time.</div>
        <div style="margin: 0px 0px 0px 95.9pt;">&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">If the Plan permits/permitted (or requires/required) After-Tax Voluntary Employee Contributions, then pursuant to Notice 2014-54 and for distributions made on and after January 1, 2015, the following rules
          are applicable; however, for distributions made on or after September 18, 2014 but before January 1, 2015, a reasonable interpretation of the last sentence of Code Section 402(c)(2) (including the separate distribution allocation rule described
          in Regulation Section 1.402A-1,Q&amp;A5(a)) may be made to allocate after- tax and pre-tax amounts among disbursements made to multiple destinations: (a) all disbursements of benefits from the Plan to the recipient that are scheduled to be made
          at the same time (disregarding differences due to reasonable delays to facilitate Plan administration) are treated as a single distribution without regard to whether the recipient has directed that the disbursements be made to a single
          destination or multiple destinations; (b) if the pre-tax amount with respect to the aggregated disbursements that are treated as a single distribution is less than the amount of the distribution that is directly rolled over to one or more
          Eligible Retirement Plans, the entire pre-tax amount is assigned to the amount of the distribution that is directly rolled over. In this situation, if the Direct Rollover is to two or more plans, then the recipient can select how the pre-tax
          amount is allocated among these plans. To make this selection, the recipient must inform the Administrator of the allocation prior to the time of the Direct Rollovers; (c) of the pre-tax amount with respect to the aggregated disbursements in a
          distribution equals or exceeds the amount of the distribution that is directly rolled over to one or more Eligible Retirement Plans, the pre-tax amount is assigned to the portion of the distribution that is directly rolled over up to the amount
          of the Direct Rollover (so that each Direct Rollover consists entirely of pre-tax amounts). Any remaining pre-tax amount is next assigned to any 60-day rollovers (that is, rollovers that are not Direct Rollovers) up to the amount of the 60-day
          rollovers. If the remaining pre-tax amount is less than the amount rolled over in 60-day rollovers, the recipient can select how the pre-tax amount is allocated among the plans that receive 60-day rollovers; and (d) if, after the assignment of
          the pre-tax amount to Direct Rollovers and 60-day rollovers, there is a remaining pre-tax amount, that amount is includible in the distributee&#8217;s gross income. If the amount rolled over to an Eligible Retirement Plan exceeds the portion of the
          pre-tax amount assigned or allocated to the plan, the excess is an after-tax amount. </div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">24</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin-left: 96pt;">For purposes of this Section, the following terms have the following meanings:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z919048cfa57e4af694e76c206b7334dc" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 96pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(d)</td>
              <td style="width: auto; vertical-align: top;">
                <div>An &#8220;eligible retirement plan&#8221; with respect to the Participant, the Participant&#8217;s Spouse, or the Participant&#8217;s former Spouse means any of the following: (i) an individual retirement account described in Code Section 408(a), (ii) an
                  individual retirement annuity described in Code Section 408(b), (iii) an annuity plan described in Code Section 403(a) that accepts rollovers, (iv) a qualified plan described in Code Section 401(a) that accepts rollovers, (v) an annuity
                  contract described in Code Section 403(b) that accepts rollovers, (vi) an eligible plan under Code Section 457(b) that is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political
                  subdivision of a state and that agrees to separately account for amounts transferred into such plan from the Plan, or (vii) a Roth IRA, as described in Code Section 408A. Effective for rollovers to other plans made after December 18,
                  2015, an Eligible Retirement Plan will include a SIMPLE IRA plan that accepts rollovers and such rollover does not include a designated Roth account.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin-right: 6.75pt; margin-left: 132pt;">Notwithstanding any other provision of this Section, the following special rules shall apply:</div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z0840e8bff6ce45769c5d811abd5615d5" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 132pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A plan described in clause (vi) above shall not constitute an &#8220;eligible retirement plan&#8221; with respect to a distribution of After-Tax Contributions or after-tax Rollover Contributions.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc67498169daf40fdb9fe78db2850941e" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 132pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>A plan or contract described in clause (iii), (iv), or (v) above shall not constitute an &#8220;eligible retirement plan&#8221; with respect to a distribution of After-Tax Contributions or after-tax Rollover Contributions unless such plan or
                  contract separately accounts for such distribution, including separately accounting for the portion of such distribution which is includible in gross income and the portion of such distribution which is not includible in gross income.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zf8d3a60e1b324fd3bed286b84a2ed6f6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 132pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>The portion of any &#8220;eligible rollover distribution&#8221; consisting of Roth 401(k) Contributions, Roth Rollover Contributions or In-Plan Roth Rollover Contributions may only be rolled over to another designated Roth account established for
                  the individual under an applicable retirement plan described in Code Section 402A(e)(1) or to a Roth individual retirement account described in Code Section 408A.</div>
              </td>
            </tr>

        </table>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">25</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div style="margin-left: 131.95pt;">An &#8220;eligible retirement plan&#8221; with respect to any other &#8220;qualified distributee&#8221; means either an individual retirement account described in Code Section 408(a) or an individual retirement annuity described in Code
          Section 408(b) (an &#8220;IRA&#8221;). Such IRA must be treated as an IRA inherited from the deceased Participant by the &#8220;qualified distributee&#8221; and must be established in a manner that identifies it as such. </div>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zc5e3b1d64ed641cb91cb59308e9223eb" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 95.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(e)</td>
              <td style="width: auto; vertical-align: top;">
                <div>An &#8220;eligible rollover distribution&#8221; means any distribution of all or any portion of the balance of a Participant&#8217;s Account; provided, however, that an eligible rollover distribution does not include the following:</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="z205f5008980247efa67e8aa10bbe8eef" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(i)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any distribution to the extent such distribution is required under Code Section 401(a)(9).</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="ze0d707e916684dc8bb94f38f5879cdf6" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(ii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any distribution that is one of a series of substantially equal periodic payments made not less frequently than annually for the life or life expectancy of the &#8220;qualified distributee&#8221; or the joint lives or life expectancies of the
                  &#8220;qualified distributee&#8221; and the &#8220;qualified distributee&#8217;s&#8221; designated beneficiary, or for a specified period of 10 years or more.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <table cellspacing="0" cellpadding="0" id="zef928f90d6c149f595c3f8ef77735a43" class="DSPFListTable" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;">

            <tr>
              <td style="width: 131.95pt;"><br>
              </td>
              <td style="width: 36pt; vertical-align: top;">(iii)</td>
              <td style="width: auto; vertical-align: top;">
                <div>any hardship withdrawal made in accordance with the provisions of Article XIII.</div>
              </td>
            </tr>

        </table>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 131.95pt;">A &#8220;qualified distributee&#8221; means a Participant, the Participant&#8217;s surviving Spouse, the Participant&#8217;s Spouse or former Spouse who is an alternate payee under a qualified domestic relations order, as defined
          in Code Section 414(p), or the Participant&#8217;s non-Spouse Beneficiary who is his designated beneficiary within the meaning of Code Section 401(a)(9)(E).</div>
        <div><br>
        </div>
        <div>
          <div>
            <div>
              <div>
                <div style="margin: 0px 0px 0px 59.9pt;"> 35.&#160;&#160;&#160;&#160; &#160;&#160;&#160; Section 21.16 of the Plan, &#8220;Veterans Reemployment Rights&#8221; is amended to read as follows:</div>
                <div> </div>
              </div>
            </div>
          </div>
        </div>
        <div>&#160;</div>
        <div style="margin: 0px 0px 0px 95.9pt;">Notwithstanding any other provision of the Plan to the contrary, contributions, benefits, and service credit with respect to qualified military service shall be provided in accordance with Code Section
          414(u). Any contributions required to be made in accordance with this Section shall be contributed to the Plan within the time period prescribed under applicable regulations or other guidance. Any Matching Contributions required to be made
          because of 401(k) Contributions made by a Participant in accordance with the provisions of Code Section 414(u), shall be contributed to the Plan as soon as administratively practicable after the date on which the Participant&#8217;s contributions are
          paid to the Plan. The Administrator shall notify the Trustee of any Participant with respect to whom additional contributions are made because of qualified military service. Additional contributions made in accordance with the provisions of this
          Section that are treated as 401(k) Contributions shall not be included in applying the limitations on 401(k) Contributions described in Article VII. Additional contributions made in accordance with the provisions of this Section that are treated
          as After-Tax Contributions shall not be included in applying the limitations on After-Tax Contributions described in Article VII. In addition, any Matching Contributions required to be made because of 401(k) Contributions made by a Participant in
          accordance with the provisions of Code Section 414(u), shall not be included in applying the limitations on Matching Contributions described in Article VII.</div>
        <div> <br>
        </div>
        <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
          <div class="BRPFPageNumberArea" style="text-align: center;"><font class="BRPFPageNumber" style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;">26</font></div>
          <div class="BRPFPageBreak" style="page-break-after: always;">
            <hr noshade="noshade" style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;"></div>
        </div>
        <div>
          <div style="margin: 0px 0px 0px 95.9pt;">If a Participant who is absent from employment as a Covered Employee because of military service dies while performing qualified military service (as defined in Code Section 414(u)), the Participant shall
            be treated as having returned to employment as a Covered Employee on the day immediately preceding his death for purposes of determining the Participant&#8217;s vested interest in his Account and his Beneficiary&#8217;s eligibility for a death benefit
            under the Plan. Notwithstanding the foregoing, such a Participant shall not be entitled to additional contributions with respect to his period of military leave.</div>
          <div><br>
          </div>
          <div style="margin: 0px 0px 0px 95.9pt;">A Participant who becomes disabled while performing qualified military service shall be credited with Vesting Service for his period of military leave as if he returned to employment immediately prior to
            the date he became disabled and then terminated employment on his disability date. Notwithstanding the foregoing, such a Participant shall not be entitled to any additional contributions with respect to his period of military leave.</div>
          <div><br>
          </div>
        </div>
        <div style="color: rgb(35, 31, 32); text-align: center;">*&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;*&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;*</div>
        <div style="color: rgb(0, 0, 0);"> <br>
        </div>
        <div style="color: rgb(0, 0, 0); text-indent: 54pt;"> <font style="color: rgb(35, 31, 32);">EXECUTED at</font><font style="color: rgb(1, 2, 2);"> <u>Flushing Bank</u>,</font><font style="color: rgb(35, 31, 32);"> this</font><font style="color: rgb(1, 2, 2);"> <u>5/2/2022</u> </font>day of<u> &#160; &#160; &#160; &#160;&#160; , &#160; &#160; &#160; </u>. </div>
        <div style="color: rgb(0, 0, 0);"> <br>
        </div>
        <div>
          <div>
            <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;" id="zc05cbc9736594341976f2cbbab1a0705">

                <tr>
                  <td style="width: 50%;"><br>
                  </td>
                  <td style="width: 50%;" rowspan="1">FLUSHING BANK</td>
                </tr>
                <tr>
                  <td style="width: 50%;" rowspan="1">&#160;</td>
                  <td style="width: 50%;" rowspan="1">&#160;</td>
                </tr>

            </table>
            <table cellspacing="0" cellpadding="0" border="0" id="zb7b48953cb0941c1837a8beaafbd0b76" style="font-family: 'Times New Roman'; font-size: 10pt; color: #000000; width: 100%;">

                <tr>
                  <td style="width: 50%; padding-bottom: 2px;"><br>
                  </td>
                  <td style="width: 3%; padding-bottom: 2px;"><font style="color: rgb(35, 31, 32);">By:</font></td>
                  <td style="width: 47%; border-bottom: 2px solid rgb(0, 0, 0);">
                    <div style="text-align: left;"><img src="image00007.jpg"></div>
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            </div>
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                  <td style="width: 50%;" rowspan="1">&#160;</td>
                  <td style="width: 5%;" rowspan="1">Title:</td>
                  <td style="width: 45%;" rowspan="1">Russell Fleishman SVP</td>
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          </div>
          <div> <br>
          </div>
          <div> <br>
          </div>
          <div>
            <div style="text-align: center;"> <font class="BRPFPageNumber" style="font-size: 8pt; color: rgb(0, 0, 0); font-weight: normal; font-style: normal;">27</font></div>
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<DOCUMENT>
<TYPE>EX-99.4
<SEQUENCE>6
<FILENAME>ef20033860_ex99-4.htm
<DESCRIPTION>EXHIBIT 99.4
<TEXT>
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  <div style="font-weight: bold; text-align: right;">Exhibit 99.4</div>
  <div>&#160;</div>
  <div style="text-align: center; font-weight: bold;">SECOND AMENDMENT <br>
  </div>
  <div style="text-align: center; font-weight: bold;">TO THE</div>
  <div style="text-align: center; font-weight: bold;">FLUSHING BANK 401(k) SAVINGS PLAN</div>
  <div style="text-align: center; font-weight: bold;">&#160;</div>
  <div style="text-align: center; font-weight: bold;">January 1, 2021 Restatement</div>
  <div>&#160;</div>
  <div></div>
  <div style="text-indent: 36pt;">The Flushing Bank 401(k) Savings Plan, originally effective as of September I, 1987, as presently maintained under an amendment and restatement made effective as of January I, 2021, as amended, is hereby further amended
    effective as of February 4, 2024 at Section 16.4, &#8220;Notice Regarding Form of Payment&#8221;, to read as follows:</div>
  <div>&#160;</div>
  <div></div>
  <div></div>
  <div style="margin-left: 36pt; font-weight: bold;">16.4&#160; &#160;&#160; Notice Regarding Form of Payment</div>
  <div>&#160;</div>
  <div></div>
  <div></div>
  <div style="margin-left: 36pt;">Within the 180 days before a Participant&#8217;s Benefit Payment Date, the Administrator shall provide the Participant with a written explanation of his right to defer distribution until his Normal Retirement Date or such later
    date as may be provided in the Plan, the consequences to the Participant of electing an immediate distribution of his vested Account balance instead of deferring payment, his right to make a direct rollover, and the form of payment provided under the
    Plan. Distribution of the Participant&#8217;s Account may commence fewer than 30 days after such notice is provided to the Participant if (i) the Administrator clearly informs the Participant of his right to consider his election of whether or not to make a
    direct rollover or to receive a distribution prior to his Normal Retirement Date for a period of at least 30 days following his receipt of the notice and (ii) the Participant. after receiving the notice, affirmatively elects an early distribution.</div>
  <div>&#160;</div>
  <div></div>
  <div style="text-align: center;">*&#160; &#160; &#160; &#160; &#160; *&#160; &#160; &#160; &#160; &#160; *</div>
  <div>&#160;</div>
  <div></div>
  <div style="margin-left: 36pt;">EXECUTED at <u>Flushing Bank</u>, this <u>30th</u> day of <u>January, 2024</u>.</div>
  <br>
  <div></div>
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          <div>&#160;</div>
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        <td colspan="2" rowspan="1" style="width: 3%;">FLUSHING BANK<br>
        </td>
      </tr>
      <tr>
        <td style="width: 50%;">
          <div>&#160;</div>
        </td>
        <td style="width: 3%;">
          <div>&#160;</div>
        </td>
        <td style="width: 47%;">
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 50%; padding-bottom: 2px;">
          <div>&#160;</div>
        </td>
        <td style="width: 3%; padding-bottom: 2px; text-align: left; vertical-align: bottom;">By:</td>
        <td style="width: 47%; border-bottom: 2px solid rgb(0, 0, 0);"><img width="184" border="0" height="76" src="image00004.jpg"></td>
      </tr>
      <tr>
        <td style="width: 50%;">
          <div>&#160;</div>
        </td>
        <td style="width: 3%;">
          <div>&#160;</div>
        </td>
        <td style="width: 47%;">
          <div>&#160;</div>
        </td>
      </tr>
      <tr>
        <td style="width: 50%; padding-bottom: 2px;">
          <div>&#160;</div>
        </td>
        <td style="width: 3%; padding-bottom: 2px;">Title:<br>
        </td>
        <td style="width: 47%; border-bottom: 2px solid rgb(0, 0, 0);">SVP/HR Officer</td>
      </tr>

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  <div><br>
  </div>
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    <div>#008112 (effective February 4, 2024)</div>
  </div>
  <div><br>
  </div>
  <br>
  <hr noshade="noshade" align="center" style="height: 2px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">
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<DOCUMENT>
<TYPE>EX-FILING FEES
<SEQUENCE>7
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              <b>Calculation of Filing Fee Tables</b>
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              <b>Fee Calculation Rule</b>
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              <b>Amount Registered</b>
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              <b>Proposed Maximum Offering Price Per Unit</b>
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		1
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            <ix:nonNumeric name="ffd:OfferingSctyTitl" contextRef="offrl_1" id="ixv-181">Common Stock, $0.01 par value per share, to be issued under the 2024 Omnibus Incentive Plan</ix:nonNumeric>
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		2
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					Total Fee Offsets:
				</p>
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          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
          <td>
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					Net Fee Due:
				</p>
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          <td>
            <!-- BLANK -->
          </td>
          <td>
            <!-- BLANK -->
          </td>
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            <!-- BLANK -->
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        <tbody>
          <tr style="font-family: Arial, Helvetica, sans-serif; font-size: 16px; vertical-align: top;">
            <td>
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                <b>Offering Note</b>
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            <td/>
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            <ix:nonNumeric name="ffd:OfferingNote" escape="1" contextRef="offrl_1" id="ixv-200">(1) Pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement on Form S-8 also covers any additional shares of Common Stock, par value $0.01 per share ("Common Stock"), of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.</ix:nonNumeric>
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            <ix:nonNumeric name="ffd:OfferingNote" escape="1" contextRef="offrl_2" id="ixv-201">(1) Pursuant to Rule 416(c) under the Securities Act, this Registration Statement on Form S-8 also covers any additional shares of Common Stock of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.</ix:nonNumeric>
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<DOCUMENT>
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<DOCUMENT>
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begin 644 image00003.jpg
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<span style="display: none;">v3.24.2.u1</span><table class="report" border="0" cellspacing="2" id="idm139759893535504">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Submission<br></strong></div></th>
<th class="th"><div>Aug. 12, 2024</div></th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissionLineItems', window );"><strong>Submission [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Central Index Key</a></td>
<td class="text">0000923139<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Registrant Name</a></td>
<td class="text">FLUSHING FINANCIAL CORP<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FormTp', window );">Form Type</a></td>
<td class="text">S-8<span></span>
</td>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_SubmissnTp', window );">Submission Type</a></td>
<td class="text">S-8<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeExhibitTp', window );">Fee Exhibit Type</a></td>
<td class="text">EX-FILING FEES<span></span>
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<div style="display: none;">
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td><strong> Period Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeExhibitTp</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FormTp</td>
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<td>ffd_</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissionLineItems</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
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<td>xbrli:stringItemType</td>
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<td>na</td>
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<td><strong> Period Type:</strong></td>
<td>duration</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_SubmissnTp</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<span style="display: none;">v3.24.2.u1</span><table class="report" border="0" cellspacing="2" id="idm139759893202928">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Offerings<br></strong></div></th>
<th class="th">
<div>Aug. 12, 2024 </div>
<div>USD ($) </div>
<div>shares</div>
</th>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=1', window );">Offering: 1</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesOthrRuleFlg', window );">Other Rule</a></td>
<td class="text">true<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Common Stock, $0.01 par value per share, to be issued under the 2024 Omnibus Incentive Plan<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_AmtSctiesRegd', window );">Amount Registered | shares</a></td>
<td class="nump">974,000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxOfferingPricPerScty', window );">Proposed Maximum Offering Price per Unit</a></td>
<td class="nump">12.60<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxAggtOfferingPric', window );">Maximum Aggregate Offering Price</a></td>
<td class="nump">$ 12,272,400.00<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeRate', window );">Fee Rate</a></td>
<td class="nump">0.01476%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeAmt', window );">Amount of Registration Fee</a></td>
<td class="nump">$ 1,811.41<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">(1) Pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement on Form S-8 also covers any additional shares of Common Stock, par value $0.01 per share ("Common Stock"), of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingAxis=2', window );">Offering: 2</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingTable', window );"><strong>Offering:</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_PrevslyPdFlg', window );">Fee Previously Paid</a></td>
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<td class="text">true<span></span>
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<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTp', window );">Security Type</a></td>
<td class="text">Equity<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingSctyTitl', window );">Security Class Title</a></td>
<td class="text">Common Stock, $0.01 par value per share, to be issued under the Flushing Bank 401(k) Savings Plan<span></span>
</td>
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<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_AmtSctiesRegd', window );">Amount Registered | shares</a></td>
<td class="nump">1,000,000<span></span>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxOfferingPricPerScty', window );">Proposed Maximum Offering Price per Unit</a></td>
<td class="nump">12.60<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_MaxAggtOfferingPric', window );">Maximum Aggregate Offering Price</a></td>
<td class="nump">$ 12,600,000.00<span></span>
</td>
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<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeRate', window );">Fee Rate</a></td>
<td class="nump">0.01476%<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeeAmt', window );">Amount of Registration Fee</a></td>
<td class="nump">$ 1,859.76<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_OfferingNote', window );">Offering Note</a></td>
<td class="text">(1) Pursuant to Rule 416(c) under the Securities Act, this Registration Statement on Form S-8 also covers any additional shares of Common Stock of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.<span></span>
</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_AmtSctiesRegd">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The amount of securities being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_AmtSctiesRegd</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Total amount of registration fee (amount due after offsets).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeeAmt</td>
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<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The rate per dollar of fees that public companies and other issuers pay to register their securities with the Commission.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<td>ffd_</td>
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<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:percentItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesOthrRuleFlg">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Checkbox indicating whether filer is using a rule other than 457(a), 457(o), or 457(f) to calculate the registration fee due.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeesOthrRuleFlg</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_MaxAggtOfferingPric">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum aggregate offering price for the offering that is being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_MaxAggtOfferingPric</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative100TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_MaxOfferingPricPerScty">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The maximum offering price per share/unit being registered.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_MaxOfferingPricPerScty</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegativeDecimal4lItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingNote">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingNote</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dtr-types:textBlockItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingSctyTitl">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>The title of the class of securities being registered (for each class being registered).</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTitl</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingSctyTp">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Definition</a><div><p>Type of securities: "Asset-backed Securities", "ADRs/ADSs", "Debt", "Debt Convertible into Equity", "Equity", "Face Amount Certificates", "Limited Partnership Interests", "Mortgage Backed Securities", "Non-Convertible Debt", "Unallocated (Universal) Shelf", "Exchange Traded Vehicle Securities", "Other"</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingSctyTp</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:securityTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingTable">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingTable</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_PrevslyPdFlg">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_PrevslyPdFlg</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_OfferingAxis=2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_OfferingAxis=2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>17
<FILENAME>R3.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<head>
<title></title>
<link rel="stylesheet" type="text/css" href="include/report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
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<body>
<span style="display: none;">v3.24.2.u1</span><table class="report" border="0" cellspacing="2" id="idm139759893527440">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Fees Summary<br></strong></div></th>
<th class="th">
<div>Aug. 12, 2024 </div>
<div>USD ($)</div>
</th>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_FeesSummaryLineItems', window );"><strong>Fees Summary [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOfferingAmt', window );">Total Offering</a></td>
<td class="nump">$ 24,872,400.00<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlFeeAmt', window );">Total Fee Amount</a></td>
<td class="nump">3,671.17<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_TtlOffsetAmt', window );">Total Offset Amount</a></td>
<td class="nump">0.00<span></span>
</td>
</tr>
<tr class="re">
<td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="Show.showAR( this, 'defref_ffd_NetFeeAmt', window );">Net Fee</a></td>
<td class="nump">$ 3,671.17<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_FeesSummaryLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_FeesSummaryLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_NetFeeAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_NetFeeAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlFeeAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlFeeAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlOfferingAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOfferingAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_ffd_TtlOffsetAmt">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br></p></div>
<a href="javascript:void(0);" onclick="Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">ffd_TtlOffsetAmt</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>ffd_</td>
</tr>
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<td><strong> Data Type:</strong></td>
<td>ffd:nonNegative1TMonetary2ItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
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<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>18
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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    <ffd:PrevslyPdFlg contextRef="offrl_2" id="ixv-144">false</ffd:PrevslyPdFlg>
    <ffd:FormTp contextRef="rc" id="ixv-178">S-8</ffd:FormTp>
    <dei:EntityRegistrantName contextRef="rc" id="ixv-179">FLUSHING FINANCIAL CORP</dei:EntityRegistrantName>
    <ffd:OfferingSctyTp contextRef="offrl_1" id="ixv-180">Equity</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl contextRef="offrl_1" id="ixv-181">Common Stock, $0.01 par value per share, to be issued under the 2024 Omnibus Incentive Plan</ffd:OfferingSctyTitl>
    <ffd:FeesOthrRuleFlg contextRef="offrl_1" id="ixv-182">true</ffd:FeesOthrRuleFlg>
    <ffd:AmtSctiesRegd
      contextRef="offrl_1"
      decimals="0"
      id="ixv-183"
      unitRef="Shares">974000</ffd:AmtSctiesRegd>
    <ffd:MaxOfferingPricPerScty
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-184"
      unitRef="USD">12.60</ffd:MaxOfferingPricPerScty>
    <ffd:MaxAggtOfferingPric
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-185"
      unitRef="USD">12272400.00</ffd:MaxAggtOfferingPric>
    <ffd:FeeRate
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-186"
      unitRef="pure">0.0001476</ffd:FeeRate>
    <ffd:FeeAmt
      contextRef="offrl_1"
      decimals="INF"
      id="ixv-187"
      unitRef="USD">1811.41</ffd:FeeAmt>
    <ffd:OfferingSctyTp contextRef="offrl_2" id="ixv-188">Equity</ffd:OfferingSctyTp>
    <ffd:OfferingSctyTitl contextRef="offrl_2" id="ixv-189">Common Stock, $0.01 par value per share, to be issued under the Flushing Bank 401(k) Savings Plan</ffd:OfferingSctyTitl>
    <ffd:FeesOthrRuleFlg contextRef="offrl_2" id="ixv-190">true</ffd:FeesOthrRuleFlg>
    <ffd:AmtSctiesRegd
      contextRef="offrl_2"
      decimals="0"
      id="ixv-191"
      unitRef="Shares">1000000</ffd:AmtSctiesRegd>
    <ffd:MaxOfferingPricPerScty
      contextRef="offrl_2"
      decimals="INF"
      id="ixv-192"
      unitRef="USD">12.60</ffd:MaxOfferingPricPerScty>
    <ffd:MaxAggtOfferingPric
      contextRef="offrl_2"
      decimals="INF"
      id="ixv-193"
      unitRef="USD">12600000.00</ffd:MaxAggtOfferingPric>
    <ffd:FeeRate
      contextRef="offrl_2"
      decimals="INF"
      id="ixv-194"
      unitRef="pure">0.0001476</ffd:FeeRate>
    <ffd:FeeAmt
      contextRef="offrl_2"
      decimals="INF"
      id="ixv-195"
      unitRef="USD">1859.76</ffd:FeeAmt>
    <ffd:TtlOfferingAmt contextRef="rc" decimals="INF" id="ixv-196" unitRef="USD">24872400.00</ffd:TtlOfferingAmt>
    <ffd:TtlFeeAmt contextRef="rc" decimals="INF" id="ixv-197" unitRef="USD">3671.17</ffd:TtlFeeAmt>
    <ffd:TtlOffsetAmt contextRef="rc" decimals="INF" id="ixv-198" unitRef="USD">0.00</ffd:TtlOffsetAmt>
    <ffd:NetFeeAmt contextRef="rc" decimals="INF" id="ixv-199" unitRef="USD">3671.17</ffd:NetFeeAmt>
    <ffd:OfferingNote contextRef="offrl_1" id="ixv-200">(1) Pursuant to Rule 416(c) under the Securities Act of 1933, as amended (the "Securities Act"), this Registration Statement on Form S-8 also covers any additional shares of Common Stock, par value $0.01 per share ("Common Stock"), of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.</ffd:OfferingNote>
    <ffd:OfferingNote contextRef="offrl_2" id="ixv-201">(1) Pursuant to Rule 416(c) under the Securities Act, this Registration Statement on Form S-8 also covers any additional shares of Common Stock of Flushing Financial Corporation in respect of the securities identified in the above table that may become issuable as a result of any stock dividend, stock split, recapitalization or other similar transactions.

(2) Estimated solely for the purpose of determining the registration fee pursuant to Rules 457(c) and 457(h) under the Securities Act. The proposed maximum offering price per unit, maximum aggregate offering price and registration fee are based on a price of $12.60 per share of Common Stock, which price is an average of the high and low sales prices of the Common Stock as reported on the Nasdaq Stock Market LLC on August 8, 2024.</ffd:OfferingNote>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
