<SEC-DOCUMENT>0001193125-20-155892.txt : 20200529
<SEC-HEADER>0001193125-20-155892.hdr.sgml : 20200529
<ACCEPTANCE-DATETIME>20200529164608
ACCESSION NUMBER:		0001193125-20-155892
CONFORMED SUBMISSION TYPE:	S-8
PUBLIC DOCUMENT COUNT:		4
FILED AS OF DATE:		20200529
DATE AS OF CHANGE:		20200529
EFFECTIVENESS DATE:		20200529

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CSX CORP
		CENTRAL INDEX KEY:			0000277948
		STANDARD INDUSTRIAL CLASSIFICATION:	RAILROADS, LINE-HAUL OPERATING [4011]
		IRS NUMBER:				621051971
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-238807
		FILM NUMBER:		20928727

	BUSINESS ADDRESS:	
		STREET 1:		500 WATER STREET
		STREET 2:		15TH FLOOR
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32202
		BUSINESS PHONE:		9043593200

	MAIL ADDRESS:	
		STREET 1:		500 WATER STREET
		STREET 2:		15TH FLOOR
		CITY:			JACKSONVILLE
		STATE:			FL
		ZIP:			32202
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8
<SEQUENCE>1
<FILENAME>d936584ds8.htm
<DESCRIPTION>FORM S-8
<TEXT>
<HTML><HEAD>
<TITLE>Form S-8</TITLE>
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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>As filed with the Securities and Exchange Commission on May 29, 2020 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Registration <FONT STYLE="white-space:nowrap">No.&nbsp;333-&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>
</B></P> <P STYLE="font-size:4pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P> <P STYLE="margin-top:4pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>UNITED STATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>SECURITIES AND EXCHANGE COMMISSION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B>WASHINGTON, D.C. 20549 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>FORM <FONT
STYLE="white-space:nowrap">S-8</FONT> </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:18pt; font-family:Times New Roman" ALIGN="center"><B>REGISTRATION STATEMENT </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>UNDER </I></B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:12pt; font-family:Times New Roman" ALIGN="center"><B><I>THE
SECURITIES ACT OF 1933 </I></B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:24pt; font-family:Times New Roman" ALIGN="center"><B>CSX CORPORATION </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(Exact
Name of Registrant as Specified in Its Charter) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:8pt" ALIGN="center">


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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>Virginia</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B><FONT STYLE="white-space:nowrap">62-1051971</FONT></B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(State or Other Jurisdiction of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Incorporation or Organization)</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(I.R.S. Employer</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Identification No.)</B></P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" ALIGN="center"><B>500 Water Street, 15th Floor, Jacksonville, Florida</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><B>32202</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top" ALIGN="center"><B>(Address of Principal Executive Offices)</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"><B>(Zip Code)</B></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CSX Corporation 401(k) Plan </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Full Title of the Plan) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Nathan D. Goldman, Esq. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Executive Vice President, Chief Legal Officer </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>and Corporate Secretary </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CSX Corporation </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>500
Water Street </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Jacksonville, Florida 32202 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Name and Address of Agent for Service) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">904-359-7611</FONT></FONT> </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>(Telephone Number, Including Area Code, of Agent for Service) </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><I>Copies to: </I></B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Edmond T. FitzGerald, Esq. </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Davis Polk&nbsp;&amp; Wardwell LLP </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>450 Lexington Avenue </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>New
York, NY 10017 </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(212) <FONT STYLE="white-space:nowrap">450-4644</FONT> </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center> <P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a <FONT STYLE="white-space:nowrap">non-accelerated</FONT>
filer, a smaller reporting company or an emerging growth company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer,&#148; &#147;smaller reporting company&#148; and &#147;emerging growth company&#148; in Rule <FONT
STYLE="white-space:nowrap">12b-2</FONT> of the Exchange Act. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Large&nbsp;accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9746;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Accelerated&nbsp;filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom">Non-accelerated filer</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Smaller&nbsp;reporting&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">Emerging&nbsp;growth&nbsp;company</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&#9744;</TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">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&nbsp;7(a)(2)(B) of the Securities Act.&nbsp;&nbsp;&#9744; </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><center>
<P STYLE="line-height:6.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1.00pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CALCULATION
OF REGISTRATION FEE </B></P> <P STYLE="font-size:1pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="13%"></TD></TR>


<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"><B>Title of Securities<BR>to be Registered</B></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount&nbsp;to&nbsp;be</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Registered(1)(2)(3)</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Maximum<BR>Offering&nbsp;Price</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Per Share</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Proposed</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Maximum<BR>Aggregate<BR>Offering&nbsp;Price</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Amount&nbsp;of</B></P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Registration&nbsp;Fee</B></P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><B>Common Stock, $1.00 par value per share</B></P></TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">10,000,000&nbsp;shares</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$67.60 (4)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$676,000,000 (4)</TD>
<TD VALIGN="bottom" STYLE=" BORDER-LEFT:1px solid #000000; BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center" STYLE="BORDER-TOP:1px solid #000000">$87,744.80 (5)</TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
<TR STYLE="font-size:1px; ">
<TD COLSPAN="9" VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD></TR>
</TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(1)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Pursuant to Rule 416(c) under the Securities Act of 1933, this Registration Statement also covers an
indeterminate amount of interests to be offered and sold pursuant to the CSX Corporation 401(k) Plan (the &#147;Plan&#148;). </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(2)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The number of shares being registered represents shares of the Registrant&#146;s common stock, par value $1.00
(&#147;Common Stock&#148;), that may be offered or sold under the Plan. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(3)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Pursuant to Rule 416 of the Securities Act of 1933, the Registration Statement shall be deemed to cover
additional shares of Common Stock resulting from the split of, or a stock dividend on, the registered shares. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(4)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Estimated pursuant to Rule 457(c) and (h)&nbsp;of the Securities Act of 1933 solely for the purposes of
calculating the amount of the registration fee. The fee with respect to the shares of Common Stock registered herein was based on the average of the high and low price per share of the Common Stock on May&nbsp;21, 2020, as reported on the NASDAQ
Global Select Market. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left">(5)</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">Rounded up to the nearest penny. </P></TD></TR></TABLE>
<P STYLE="font-size:10pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="line-height:1.0pt;margin-top:0pt;margin-bottom:0pt;border-bottom:1px solid #000000">&nbsp;</P>
<P STYLE="line-height:3.0pt;margin-top:0pt;margin-bottom:2pt;border-bottom:1px solid #000000">&nbsp;</P>
</DIV></Center>


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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL INSTRUCTION E </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>EXPLANATORY NOTE-REGISTRATION OF ADDITIONAL SHARES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This Registration Statement on Form <FONT STYLE="white-space:nowrap">S-8</FONT> is being filed by CSX Corporation (&#147;CSX&#148;) to
register 10,000,000 shares of Common Stock that may be offered or sold pursuant to the Plan, together with an indeterminate amount of interests in the Plan. The shares being registered pursuant to this Registration Statement are additional
securities of the same class as the securities for which Registration Statements on Form <FONT STYLE="white-space:nowrap">S-8</FONT> were filed with the Securities and Exchange Commission (the &#147;Commission&#148;) on July&nbsp;15, 1991 (File <FONT
STYLE="white-space:nowrap">No.&nbsp;033-41735),</FONT> July&nbsp;17, 2009 (File <FONT STYLE="white-space:nowrap">No.&nbsp;333-160650)</FONT> and February&nbsp;6, 2014 (File <FONT STYLE="white-space:nowrap">No.&nbsp;333-193785)</FONT> are effective.
Pursuant to General Instruction E of Form <FONT STYLE="white-space:nowrap">S-8,</FONT> the contents of such Registration Statements (File Nos. <FONT STYLE="white-space:nowrap">033-41735,</FONT> <FONT STYLE="white-space:nowrap">333-160650</FONT> and <FONT
STYLE="white-space:nowrap">333-193785)</FONT> (including, for the avoidance of doubt, the Registrant&#146;s Annual Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> for the fiscal year ended December&nbsp;31, 2019 and the Plan&#146;s
Annual Report on Form <FONT STYLE="white-space:nowrap">11-K</FONT> for the fiscal year ended December&nbsp;31, 2018) and any post-effective amendments thereto are incorporated by reference into this Registration Statement. </P>
<P STYLE="margin-top:24pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>PART II </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INFORMATION
REQUIRED IN THE REGISTRATION STATEMENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Item&nbsp;8. Exhibits. </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD></TD>

<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD WIDTH="88%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP>Exhibit&nbsp;Number</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/277948/000027794815000010/csx12262014exhibit31amende.htm">Amended and Restated Articles of Incorporation of the Registrant (incorporated herein by reference to Exhibit 3.1 to the Registrant&#146;s
 Current Report on Form <FONT STYLE="white-space:nowrap">10-K</FONT> filed with the Commission on February&nbsp;11, 2015) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;4.2</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/277948/000119312517225733/d424183dex31.htm">Amended and Restated Bylaws of the Registrant, effective as of July&nbsp;
7, 2017 (incorporated herein by reference to Exhibit 3.1 of the Registrant&#146;s Current Report on Form <FONT STYLE="white-space:nowrap">8-K</FONT> filed with the Commission on July&nbsp;11, 2017) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>&nbsp;&nbsp;5.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="http://www.sec.gov/Archives/edgar/data/277948/000095010314000914/dp43699_ex501.htm">Internal Revenue Service Determination Letter (incorporated herein by reference to Exhibit 5.1 to the Registrant&#146;s Form <FONT
STYLE="white-space:nowrap">S-8</FONT> filed with the Commission on February&nbsp;6, 2014)* </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>23.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d936584dex231.htm">Consent of Ernst&nbsp;&amp; Young LLP, independent registered public accounting firm (filed herewith) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>24.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d936584dex241.htm">Powers of Attorney (filed herewith) </A></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" NOWRAP>99.1</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"><A HREF="d936584dex991.htm">CSX Corporation 401(k) Plan (filed herewith) </A></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left">*</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left">The IRS has notified the Registrant by a letter dated May&nbsp;1, 2013 that the Plan is qualified under the
appropriate sections of the Internal Revenue Code. The Plan has been amended since that letter was issued, but counsel for the Plan has no reason to believe that such amendments would adversely impact the validity of the determination letter.
</P></TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SIGNATURES </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Pursuant to the requirements of the Securities Act of 1933, the Registrant certifies that it has reasonable grounds to believe that it meets
all of the requirements for filing on Form <FONT STYLE="white-space:nowrap">S-8</FONT> and has duly caused this Registration Statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Jacksonville, State of
Florida, on May&nbsp;29, 2020. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>CSX CORPORATION</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Nathan D. Goldman</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Nathan D. Goldman</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Title: Executive Vice President, Chief Legal Officer and Corporate Secretary</TD></TR>
</TABLE></DIV>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>The Registrant</I>. Pursuant to the requirements of the Securities Act of 1933, this Registration
Statement has been signed by the following persons in the capacities indicated on May&nbsp;29, 2020. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="38%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="59%"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman"><B>Signature</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:8pt; font-family:Times New Roman" ALIGN="center"><B>Title</B></P></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ James M. Foote</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">James M. Foote</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">President, Chief Executive Officer and Director</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Executive Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Kevin S. Boone</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Kevin S. Boone</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Executive Vice President and Chief Financial Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Financial Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Angela C. Williams</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Angela C. Williams</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">Vice President and Chief Accounting Officer</P>
<P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">(Principal Accounting Officer)</P></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Donna M. Alvarado</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Steven T. Halverson</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Paul C. Hilal</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">John D. McPherson</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">David M. Moffett</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Linda H. Riefler</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Suzanne M. Vautrinot</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR></TABLE>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="38%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="59%"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">J. Steven Whisler</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Director</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman" ALIGN="center">*</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">John J. Zillmer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="center">Chairman and Director</TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="10%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">*By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Nathan D. Goldman</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Nathan D. Goldman</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Attorney-in-fact</FONT></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><I>The Plan.</I> Pursuant to requirements of the Securities Act of 1933, the trustees (or other persons who administer the
Plan) have duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, in the City of Jacksonville, State of Florida, on May&nbsp;29, 2020. </P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


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<TD WIDTH="7%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="3"><B>CSX CORPORATION 401(K) PLAN</B></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">By:</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:1pt; border-bottom:1px solid #000000; font-size:10pt; font-family:Times New Roman">/s/ Diana B. Sorfleet</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">Name: Diana B. Sorfleet</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Title: Executive Vice President and</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Chief
Administrative Officer</P></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">(Duly authorized representative)</TD></TR>
</TABLE></DIV>
</DIV></Center>

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<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>d936584dex231.htm
<DESCRIPTION>EX-23.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 23.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>Consent of Independent Registered Public Accounting Firm</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">We consent to the incorporation by reference in the Registration Statement (Form S-8) pertaining to the CSX Corporation 401(k) Plan of our reports
(a)&nbsp;dated February&nbsp;12, 2020, with respect to the consolidated financial statements of CSX Corporation and the effectiveness of internal control over financial reporting of CSX Corporation included in its Annual Report (Form 10-K) for the
year ended December&nbsp;31, 2019, and (b)&nbsp;dated June&nbsp;21, 2019, with respect to the financial statements and schedule of the CSX Corporation 401(k) Plan included in the Plan&#146;s Annual Report (Form 11-K) for the year ended
December&nbsp;31, 2018, both filed with the Securities and Exchange Commission. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="51%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="48%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">Jacksonville, Florida</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top" ALIGN="right">/s/ Ernst &amp; Young LLP</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top">May&nbsp;29, 2020</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
</DIV></Center>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.1
<SEQUENCE>3
<FILENAME>d936584dex241.htm
<DESCRIPTION>EX-24.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-24.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 24.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>POWER OF ATTORNEY </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">KNOW
ALL PERSONS BY THESE PRESENTS, that each of the undersigned directors and officers (each, a &#147;Signatory&#148;) of CSX Corporation, a corporation organized under Virginia law (the &#147;Company&#148;), hereby constitutes and appoints Nathan D.
Goldman and Mark D. Austin (each, an &#147;Agent,&#148; and collectively, the &#147;Agents&#148;) or either of them, his or her true and lawful <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">attorney-in-fact</FONT></FONT> and
agent for and in his or her name, place and stead, in any and all capacities, to sign any registration statement under the Securities Act of 1933, as amended (the &#147;Securities Act&#148;), and any amendment to a previously filed registration
statement, in each case relating to shares of the Company&#146;s Common Stock that may be issued or sold pursuant to the CSX Corporation 40l(k) Plan, and all amendments or supplements (including any post-effective amendments) thereto, and any
subsequent registration statement filed pursuant to Rule 462(b) under the Securities Act, with all exhibits and any and all documents required to be filed with respect thereto, relating to any such registration statement or amendment, and to file
the same, with all exhibits thereto, and all other documents in connection therewith, with the Securities and Exchange Commission. Each Signatory further grants to the Agents, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary, in the judgment of such Agent, to be done in connection with any such signing and filing, as full to all intents and purposes as he might or could do in person, and hereby ratifies and confirms all that
said Agents, or any of them, may lawfully do or cause to be done by virtue hereof.</P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>[The remainder of this page is left intentionally
blank.] </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">This Power of Attorney may be executed simultaneously in one or more counterparts, each of which shall be
deemed an original, but all of which constitute but one and the same. </P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt">


<TR>

<TD WIDTH="38%"></TD>

<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="56%"></TD></TR>


<TR STYLE="font-size:1pt">
<TD HEIGHT="16" STYLE="BORDER-TOP:1px solid #000000">&nbsp;</TD>
<TD HEIGHT="16" COLSPAN="2" STYLE="BORDER-TOP:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Donna M. Alvarado</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;27, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Donna M. Alvarado</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Steven T. Halverson</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Steven T. Halverson</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Paul C. Hilal</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Paul C. Hilal</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ John D. McPherson</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John D. McPherson</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ David M. Moffett</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">David M. Moffett</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Linda H. Riefler</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Linda H. Riefler</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ Suzanne M. Vautrinot</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Suzanne M. Vautrinot</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ J. Steven Whisler</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">J. Steven Whisler</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ John J. Zillmer</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">John J. Zillmer</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">Director</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">/s/ James M. Foote</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top">May&nbsp;26, 2020</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">James M. Foote</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">President, Chief Executive
Officer</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">and Director</P> <P STYLE="margin-top:0pt; margin-bottom:1pt; font-size:10pt; font-family:Times New Roman">(Principal Executive Officer)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="top"></TD></TR>
</TABLE>
</DIV></Center>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>4
<FILENAME>d936584dex991.htm
<DESCRIPTION>EX-99.1
<TEXT>
<HTML><HEAD>
<TITLE>EX-99.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Exhibit 99.1 </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CSX CORPORATION 401(K) PLAN </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>Amended and Restated Effective January&nbsp;1, 2020 </B></P>
</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>Page</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE I DEFINITIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTUAL CONTRIBUTION PERCENTAGE OR ACP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTUAL DEFERRAL PERCENTAGE OR ADP</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AFFILIATE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ANNUAL ADDITION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENEFICIARY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENEFIT APPEALS COMMITTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BENEFIT COMPENSATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.11</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BOARD OF DIRECTORS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.12</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">BREAK IN SERVICE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.13</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">CATCH-UP</FONT> CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.14</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">CATCH-UP</FONT> CONTRIBUTIONS ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.15</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">CATCH-UP</FONT> ROTH CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.16</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">CATCH-UP</FONT> ROTH ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.17</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CODE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.18</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPANY MATCH ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.19</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPANY MATCHING CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.20</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPANY STOCK</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.21</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CSX</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.22</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DEFINED CONTRIBUTION PLAN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.23</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISABILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.24</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EMPLOYEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.25</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EMPLOYER</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.26</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ENHANCED 401(K) CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.27</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ENHANCED 401(K) CONTRIBUTION ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.28</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ERISA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.29</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXCESS AGGREGATE CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.30</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXCESS CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.31</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXCESS DEFERRALS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.32</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FIDUCIARY OVERSIGHT COMMITTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.33</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">HIGHLY COMPENSATED EMPLOYEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.34</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">HOUR OF SERVICE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.35</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INVESTMENT COMMITTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.36</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INVESTMENT FUND</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.37</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LEASED EMPLOYEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.38</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIMITATION YEAR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.39</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MEMBER</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.40</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MILITARY LEAVE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.41</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PARENTAL LEAVE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.42</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PLAN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.43</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PLAN ADMINISTRATOR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">i </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(continued) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:8pt; font-family:Times New Roman" ALIGN="right"><B>Page </B></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.44</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PLAN YEAR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.45</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">PRE-TAX</FONT> ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.46</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">PRE-TAX</FONT> CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.47</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PROFIT-SHARING ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.48</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">QACA MATCH ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.49</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">QACA MATCHING CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.50</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">REQUIRED BEGINNING DATE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.51</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">RETIREMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.52</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ROLLOVER ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.53</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ROLLOVER CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.54</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ROTH ACCOUNT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.55</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ROTH CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.56</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">SEA-LAND</FONT> PLAN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.57</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SERVICE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.58</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SEVERANCE DATE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.59</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SPOUSAL CONSENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.60</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SPOUSE OR SURVIVING SPOUSE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.61</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TESTING COMPENSATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.62</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUST</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.63</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUST AGREEMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.64</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUST ASSETS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.65</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUSTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.66</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">UNIFORMED SERVICE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.67</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">USERRA</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.68</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">VALUATION DATE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">1.69</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">YEARS OF SERVICE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE II ELIGIBILITY AND ENROLLMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ELIGIBILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ENROLLMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LOSS IN ELIGIBLE STATUS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">2.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TERMINATION OF MEMBER STATUS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE III CONTRIBUTIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">PRE-TAX</FONT> AND ROTH CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPANY MATCHING CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PROFIT-SHARING CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ENHANCED 401(K) CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ROLLOVER CONTRIBUTIONS AND TRANSFERS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">USERRA CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CHANGE OR SUSPENSION OF CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIMITATIONS AFFECTING HIGHLY COMPENSATED EMPLOYEES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MAXIMUM ANNUAL ADDITIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">ii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(continued) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="85%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><B>Page</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.11</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">RETURN OF CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.12</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONTRIBUTIONS NOT CONTINGENT UPON PROFITS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.13</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIMITATION BASED ON DEDUCTIBILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">3.14</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TIMING AND FORM OF EMPLOYER CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE IV INVESTMENTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">4.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INVESTMENT FUNDS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">4.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INVESTMENT OF CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">4.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MEMBER DIRECTED INVESTMENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE V VALUATION OF THE ACCOUNTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">5.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">VALUATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">5.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISCRETIONARY POWER OF THE PLAN ADMINISTRATOR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">5.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">STATEMENT OF ACCOUNTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">5.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ALLOCATION OF NET INCOME (OR LOSS) OF THE TRUST</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE VI VESTED PORTION OF ACCOUNTS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">6.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">VESTING</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">6.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISPOSITION OF FORFEITURES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">6.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">REINSTATEMENT OF YEARS OF PARTICIPATION AND SERVICE UPON REEMPLOYMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE VII WITHDRAWALS WHILE STILL EMPLOYED</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">7.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">IN-SERVICE</FONT> WITHDRAWALS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">7.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">HARDSHIP WITHDRAWAL</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">7.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PROCEDURES AND RESTRICTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">7.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NO REPLACEMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">7.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIVIDENDS ON COMPANY STOCK</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE VIII LOANS TO MEMBERS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">8.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LOANS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE IX DISTRIBUTION OF ACCOUNTS UPON SEVERANCE FROM EMPLOYMENT</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISTRIBUTION COMMENCEMENT EVENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FORMS OF DISTRIBUTION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PAYMENTS UPON MEMBER&#146;S DEATH</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMMENCEMENT OF PAYMENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SMALL BENEFITS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FORM OF PAYMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">REQUIRED DISTRIBUTIONS APPLICABLE TO THE MEMBER</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DIRECT ROLLOVER OF CERTAIN DISTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">MINIMUM DISTRIBUTION REQUIREMENTS FOR PLAN YEARS BEGINNING ON AND AFTER JANUARY&nbsp;1, 2003</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INDEX OF ARTICLE IX PAYMENT RULES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iii </P>

</DIV></Center>


<p style="margin-top:1em; margin-bottom:0em; page-break-before:always">
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<Center><DIV STYLE="width:8.5in" align="left">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(continued) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="86%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>Page</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">9.11</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISTRIBUTION RESTRICTIONS ON ELECTIVE DEFERRAL CONTRIBUTIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE X ADMINISTRATION OF PLAN</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NAMED FIDUCIARIES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FIDUCIARY LIMITATIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPOINTMENT AND REMOVAL OF PLAN ADMINISTRATOR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">66</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">PLAN ADMINISTRATOR RESPONSIBILITIES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">APPOINTMENT OF INVESTMENT COMMITTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ORGANIZATION OF COMMITTEES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ACTION OF MAJORITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">COMPENSATION AND BONDING</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ESTABLISHMENT OF RULES; ACTIONS BY PLAN ADMINISTRATOR</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SERVICE IN MORE THAN ONE FIDUCIARY CAPACITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.11</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">LIMITATION OF LIABILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.12</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INDEMNIFICATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.13</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ERRORS AND OMISSIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">10.14</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FIDUCIARY DISCRETION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE XI MANAGEMENT OF PLAN ASSETS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUST AGREEMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TRUSTEE&#146;S RESPONSIBILITIES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXCLUSIVE BENEFIT RULE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DUTIES OF INVESTMENT COMMITTEE</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INVESTMENT MANAGERS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">VOTING OF SHARES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TENDER OR EXCHANGE OFFERS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">74</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MANNER OF EXERCISE OF OTHER RIGHTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DETERMINATION OF SHARES CREDITED TO MEMBER ACCOUNTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">11.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">EXPENSES</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">ARTICLE XII GENERAL PROVISIONS</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MEMBERS&#146; RIGHTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">NONALIENATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">QUALIFIED DOMESTIC RELATIONS ORDER PAYMENTS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CORPORATION&#146;S LIABILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">FACILITY OF PAYMENT</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">INFORMATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.07</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">TOP-HEAVY</FONT> PROVISIONS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">79</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.08</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">UNCLAIMED BENEFITS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.09</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">SEVERABILITY</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">12.10</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">CONSTRUCTION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">iv </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>TABLE OF CONTENTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>(continued) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-size:10pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD>
<TD NOWRAP VALIGN="bottom"><B>Page</B></TD>
<TD NOWRAP VALIGN="bottom"><B>&nbsp;</B></TD></TR>
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<TD VALIGN="top" COLSPAN="7">ARTICLE XIII AMENDMENT, MERGER AND TERMINATION</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.01</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">AMENDMENT OF PLAN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.02</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MANDATORY AMENDMENTS.</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.03</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">MERGER OR CONSOLIDATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.04</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">ADDITIONAL EMPLOYERS</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.05</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">TERMINATION OF PLAN</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">84</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top">13.06</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">DISTRIBUTION UPON TERMINATION</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
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<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top" COLSPAN="7">APPENDIX A - SECTION I</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8" COLSPAN="7"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top" COLSPAN="7">APPENDIX A - SECTION II</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">v </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CSX CORPORATION 401(K) PLAN </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B><U>INTRODUCTION </U></B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
CSX Corporation 401(k) Plan (&#147;Plan&#148;) became effective December&nbsp;1, 1985. The Plan is a profit-sharing plan intended to meet the requirements of Code Section&nbsp;401(a). In addition, the Plan provides for contributions under Code
Section&nbsp;401(k) and matching and employee contributions under Code Section&nbsp;401(m). Various compliance and other amendments have been made to the Plan over the years. Several of the more significant amendments are described below. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan was amended and restated, effective January&nbsp;1, 2001, to convert all amounts held in the CSX stock fund that relate to
(i)&nbsp;Company Matching Contributions, (ii) <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions, <FONT STYLE="white-space:nowrap">(iii)&nbsp;Pre-Tax</FONT> Contributions that had satisfied Actual Deferral Percentage testing, and
(iv)&nbsp;Rollover Contributions to an employee stock ownership plan (satisfying the requirements of Code Section&nbsp;4975(e)(7)). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The
Plan was subsequently amended, effective May&nbsp;1, 2002, to permit the reallocation of a Member&#146;s Company Match Account invested in the CSX stock fund among the other Investment Funds available under the Plan, irrespective of the
Member&#146;s attained age or service with the Employer or an Affiliate. The Plan was further amended to provide that, effective January&nbsp;1, 2004, Members may direct the investment of employer matching contributions made on their behalf. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan was further amended to reflect new automatic enrollment and automatic increase features and to reflect miscellaneous technical and
administrative changes relating in part to the Plan&#146;s change in third party administrators. The Plan was also amended December&nbsp;8, 2008, to reflect certain changes under the Pension Protection Act of 2006, and for compliance with the final
Treasury Regulations for the Code Section&nbsp;415 limitations effective for Limitation Years beginning after July&nbsp;1, 2007. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan
was amended and restated, effective May&nbsp;1, 2010, for certain design changes, including the addition of a qualified automatic contribution arrangement (&#147;QACA&#148;) safe harbor, within the meaning of Code Section&nbsp;401(k)(13), effective
for Plan Years commencing on and after January&nbsp;1, 2011. Accordingly, various provisions of the Plan will have no effect on and after January&nbsp;1, 2011, the effective date of the QACA safe harbor and the discontinuance of <FONT
STYLE="white-space:nowrap">After-Tax</FONT> Contributions. To the extent inapplicable, any such provision shall be disregarded in administering the Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan was amended and restated, effective January&nbsp;1, 2012, and submitted to the Internal Revenue Service for a determination of its
qualified status as written. This letter was received May&nbsp;1, 2013. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Effective January&nbsp;1, 2014, the name of the Plan shall be
changed to the CSX Corporation 401(k) Plan. The informal reference to the Plan as &#147;CSXtra&#148; will continue unchanged. In addition, the Plan was amended and restated, effective January&nbsp;1, 2014, to add a Roth contribution feature,
effective January&nbsp;1, 2015. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">It is intended that the Plan satisfy all applicable requirements of the Code and the
Employee Retirement Income Security Act of 1974, as amended, and the Plan shall be interpreted to comply therewith. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Unless otherwise
specifically stated or required by law to be effective as of an earlier or later date, changes reflected in this amendment and restatement are effective January&nbsp;1, 2020. Except as otherwise specifically provided, or as required by law, the
benefits due an individual under the Plan or any prior version of the Plan shall be determined based on the provisions of the January&nbsp;1, 2020 Plan, Plan No.&nbsp;003 (or the applicable predecessor) in effect on the date he or she (or the
related Member) separated from the service of an Employer or an Affiliate and shall not be affected by any subsequent amendment to the Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This January&nbsp;1, 2020 amendment and restatement amends the Plan to (i)&nbsp;revise the Plan&#146;s rules for hardship distributions to
conform to the final regulations promulgated under the Bipartisan Budget Act of 2018 and Code Section&nbsp;401(k); (ii) provide that, effective January&nbsp;1, 2020, installments may be made over the lifetime of certain individuals, instead of
limiting such installments to 240 monthly installments; and (iii)&nbsp;add a 3% Employer contribution for eligible Members who are hired or rehired on or after January&nbsp;1, 2020. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">2 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE I </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DEFINITIONS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.01 ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Account&#148; means, individually or collectively, as applicable, the Company Match Account, the Profit-Sharing Account, the <FONT
STYLE="white-space:nowrap">After-Tax</FONT> Account, the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account, the Rollover Account, the QACA Match Account, and the Enhanced 401(k) Contribution Account, to the extent any one or more of such
subaccounts has been established for the benefit of a Member under the terms of the Plan. Separate Accounts or subaccounts may be maintained with respect to any Account. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.02 ACTUAL CONTRIBUTION PERCENTAGE OR ACP </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;Actual Contribution Percentage&#148; or &#147;ACP&#148; means, for a specified group of Employees for a Plan Year, the average of the
contribution ratios, calculated separately for each Employee in the group, of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the sum of the Company Matching
Contributions made on behalf of such Employee for the Plan Year; divided by </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the Employee&#146;s Testing Compensation
for the Plan Year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) For purposes of calculating the ACP, in the event an Employee who is a Highly Compensated Employee participates in
two or more such plans sponsored by CSX or an Affiliate, all such plans shall be aggregated. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The ratios and the ACP for each group of
Employees shall be calculated to the nearest hundredth of a percentage point. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.03 ACTUAL DEFERRAL PERCENTAGE OR ADP </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Actual Deferral Percentage&#148; or &#147;ADP&#148; means, to the extent applicable, with respect to a specified group of Employees for a
Plan Year, the average of the deferral ratios, calculated separately for each Employee in that group, of </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the amount of <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions (not including <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> or Roth Restoration Contributions under USERRA pursuant to Section&nbsp;3.07) for a Plan Year (whether
or not such contributions are returned to the Member pursuant to Section&nbsp;3.01(d); divided by </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the Employee&#146;s Testing
Compensation for the Plan Year. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Deferral ratios and the ADP for each specified group of Employees shall be calculated to the nearest
hundredth of a percentage point. The deferral ratio of an Employee who is eligible to make but does not make a <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contribution and/or a Roth Contribution is zero. For purposes of determining an
Employee&#146;s deferral ratio, Pre-Tax Contributions and Roth Contributions shall not include <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions made pursuant to
Section&nbsp;3.01(e) and Code Section&nbsp;414(v). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">3 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.04 AFFILIATE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Affiliate&#148; means any company which is a member of a controlled group of corporations (determined under Code Section&nbsp;1563(a)
without regard to Code Sections 1563(a)(4) and (e)(3)(C)) which includes CSX, except that with respect to Section&nbsp;3.10 &#147;more than 50 percent&#148; shall be substituted for &#147;at least 80 percent&#148; where it appears in Code
Section&nbsp;1563(a)(1). For purposes of Section&nbsp;3.10, &#147;Affiliate&#148; also includes any trade or business under common control (as defined in Code Section&nbsp;414(c)) with CSX, or a member of an affiliated service group (as defined in
Code Section&nbsp;414(m)) which includes CSX, or entities required to be considered Affiliates under Code Section&nbsp;414(o). For purposes of determining an Affiliate of an Employer which is not CSX, the references to &#147;CSX&#148; above shall be
replaced with the name of such Employer. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.05 <FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;After-Tax</FONT> Account&#148; means the subaccount to which shall be credited the <FONT
STYLE="white-space:nowrap">After-Tax</FONT> Contributions made by a Member prior to January&nbsp;1, 2011, and the balance in his or her &#147;basic and supplemental investment accounts&#148; under the <FONT STYLE="white-space:nowrap">Sea-Land</FONT>
Plan on December&nbsp;31, 1988, and earnings on those amounts. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.06 <FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;After-Tax</FONT> Contributions&#148; means amounts that were contributed on behalf of a Member prior to
January&nbsp;1, 2011. For purposes of Articles VII and VIII, the term <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions shall also include all Member contributions made under the Plan on an
<FONT STYLE="white-space:nowrap">after-tax</FONT> basis prior to 1989 that were matched by Employer contributions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.07 ANNUAL ADDITION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;Annual Addition&#148; means the sum of the following amounts allocated to a Member&#146;s Account under this Plan or any other
Defined Contribution Plan maintained by CSX or an Affiliate for any Limitation Year: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the total contributions,
including <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions, made on the Member&#146;s behalf by CSX and all Affiliates; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) all <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) forfeitures, if applicable, that have been allocated to the Member&#146;s Accounts under this Plan or his or her accounts
under any other such Defined Contribution Plan. Any Excess Deferrals, Excess Contributions or Excess Aggregate Contributions which may have been distributed under the provisions of Section&nbsp;3.01(d) or Section&nbsp;3.09 shall be included in the
Annual Addition for the year allocated; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">4 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) amounts allocated to an individual medical account as defined in Code
Section&nbsp;415(l)(2), which is part of any pension or annuity plan maintained by the Employer or any Affiliate and amounts derived from contributions paid or accrued which are attributable to postretirement medical benefits allocated to the
separate account of a key employee (as defined in Code Section&nbsp;419A(d)(3)) under a welfare benefit plan (as defined in Code Section&nbsp;419(e)) maintained by an Employer or Affiliate; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) Effective as of the first day of the first Limitation Year beginning on or after July&nbsp;1, 2007, if an Employee or the
Employer transfers assets to the Plan in exchange for consideration that is less than the fair market value of the assets transferred to the Plan, then the excess of the fair market value of the assets transferred over the consideration received for
the asset is an Annual Addition. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding the foregoing, a Member&#146;s Annual Additions do not include the following: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The restoration of a Member&#146;s Account by the Employer in accordance with Code Section&nbsp;411(a)(3)(D) or Code
Section&nbsp;411(a)(7)(C) for the Limitation Year in which the restoration occurs, or repayments of prior Plan distributions described in Code Section&nbsp;411(a)(7)(B); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth
Contributions made pursuant to Section&nbsp;3.01(e), Rollover Contributions or the direct transfer of benefits to the Plan from an Eligible Retirement Plan as defined in Section&nbsp;9.08(b)(3); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) A &#147;restorative payment&#148; that is allocated to an <FONT STYLE="white-space:nowrap">After-Tax</FONT> Account.
&#147;Restorative payment&#148; means a payment made to restore some or all of the Plan&#146;s losses resulting from the actions of a fiduciary for which there is a reasonable risk of liability for breach of fiduciary duty under ERISA or under other
federal or state law, and where Members who are similarly situated are treated similarly with respect to such payments. This includes payments to the Plan made pursuant to a Department of Labor order, the Department of Labor&#146;s Voluntary
Fiduciary Correction Program, or a court-approved settlement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Repayments of loans made to a Member from the Plan; or
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) The reinvestment of dividends on Employer securities. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding this provision and any provision of any other plan with which this Plan must be aggregated for purposes of the limitations set forth herein,
to the extent Annual Additions must be reduced, the Annual Addition under this Plan shall be reduced prior to the reduction of such Member&#146;s Annual Addition under any such other plan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">5 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.08 BENEFICIARY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Beneficiary&#146;&#146; means any person or entity designated by a Member, Beneficiary or Alternate Payee, in a manner prescribed by the
Plan Administrator to receive benefits payable in the event of the Member&#146;s death. However, if the Member is married, his or her Spouse shall be deemed to be the Beneficiary unless Spousal Consent to the designation of another Beneficiary has
been received by the Plan Administrator. Notwithstanding the preceding, to the extent a Qualified Domestic Relations Order has been entered naming an Alternate Payee (as defined in Section&nbsp;12.03(l)) as Beneficiary of all or any portion of any
benefit payable under this Plan on the death of a Member, such Qualified Domestic Relations Order shall control or supersede, as applicable, the relevant portion of any such Beneficiary designation. If no such designation is in effect at the time of
death of the Member, or if no person or persons so designated shall survive the Member, the Member&#146;s Spouse, children, parents, brothers and sisters, or estate, in that order, shall be deemed to be the Beneficiary. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.09 BENEFIT APPEALS COMMITTEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Benefit Appeals Committee&#148; means the committee appointed by the Fiduciary Oversight Committee to review benefits claims in
accordance with Section&nbsp;10.04(f)(2). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.10 BENEFIT COMPENSATION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General</B>. &#147;Benefit Compensation&#148; means the regular base salary and wages, overtime pay and commissions which are payable to
an Employee during a calendar year for services rendered as an Employee of an Employer, including salary continuance during short-term disability and special pay adjustments for <FONT STYLE="white-space:nowrap">in-grade</FONT> transfers, all
determined prior to any reduction pursuant to Section&nbsp;3.01 and prior to any reduction pursuant to a Member&#146;s election of <FONT STYLE="white-space:nowrap">pre-tax</FONT> contributions under a cafeteria plan (within the meaning of Code
Section&nbsp;125) maintained by an Employer and amounts that are not includible in the Member&#146;s gross income pursuant to Code Section&nbsp;132(f)(4). Amounts shall be deemed payable in the calendar year in which services are or would have been
performed, unless the Plan Administrator determines, on a uniform and nondiscriminatory basis, that the amounts should be treated as Benefit Compensation in the calendar year of receipt by the Member. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Exclusions</B>. Benefit Compensation shall exclude bonuses, severance payments and other forms of special pay. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Limitation</B>. Notwithstanding the foregoing, effective January&nbsp;1, 2020, the Benefit Compensation taken into account in accruing
benefits under the Plan for any Plan Year may not exceed $285,000 or such adjusted dollar amount announced by the Secretary of the Treasury or his or her delegate in accordance with Code Section&nbsp;401(a)(17)(B). A Member who is also employed by
an employer which is not an Affiliate shall have the compensation limit applied separately to his or her compensation received from such unrelated employer. The
<FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cost-of-living</FONT></FONT> adjustment in effect for a calendar year shall apply to any determination period beginning in such calendar year. In the event of a Plan Year which
consists of less than 12 months, the annual Benefit Compensation limit shall be adjusted to an amount equal to the then otherwise applicable limit for a full twelve month period multiplied by a fraction, the numerator of which is the number of
months in the short Plan Year and the denominator of which is 12. In no event may the amount of Benefit Compensation that is taken into account exceed a Member&#146;s actual compensation through the applicable pay period. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">6 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>During Military Leave</B>. Any Employee returning from Military Leave while his or
her reemployment rights are protected by USERRA shall be treated as having received Benefit Compensation during his or her Military Leave equal to either (1)&nbsp;the Benefit Compensation the Employee would have received from an Employer but for the
Military Leave, or (2)&nbsp;if the Benefit Compensation the Employee would have received during the period of Military Leave is not reasonably certain, the Employee&#146;s average Benefit Compensation during the
<FONT STYLE="white-space:nowrap">12-month</FONT> period immediately preceding the Military Leave (or, if shorter, the period of employment immediately preceding the Military Leave). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Differential Wage Payments to Active Duty Members of the Uniformed Services</B>. To the extent required by law or as provided by CSX,
any differential wage payments, as defined in Code Section&nbsp;3401(h), made to a Member with respect to any period during which the Member is performing services in the Uniformed Services (as defined in chapter 43 of title 38, United States Code)
while on active duty for a period of more than 30 days shall be Benefit Compensation for Plan allocation purposes in accordance with Code Section&nbsp;414(u)(12). Differential wage payments shall be treated as Benefit Compensation for purposes of
making <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions and shall be provided to all similarly situated Members on reasonably equivalent terms. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) A Member&#146;s Benefit Compensation shall not include compensation paid by an Employer for periods prior to the date he or she became a
Member of the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.11 BOARD OF DIRECTORS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Board of Directors&#148; means the Board of Directors of CSX Corporation. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.12 BREAK IN SERVICE </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Break in
Service&#148; means a period which constitutes a break in an Employee&#146;s Service, as provided in Section&nbsp;1.57. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.13 <FONT
STYLE="white-space:nowrap">CATCH-UP</FONT> CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Catch-Up</FONT> Contributions&#148;
means all amounts contributed on a Member&#146;s behalf pursuant to Section&nbsp;3.01(e) of the Plan and earnings thereon. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.14 <FONT
STYLE="white-space:nowrap">CATCH-UP</FONT> CONTRIBUTIONS ACCOUNT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Catch-Up</FONT> Contributions
Account&#148; means the Member&#146;s subaccount credited with <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and earnings on those amounts. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">7 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.15 <FONT STYLE="white-space:nowrap">CATCH-UP</FONT> ROTH CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Catch-Up</FONT> Roth Contributions&#148; means, effective January&nbsp;1, 2015, all amounts contributed
on a Member&#146;s behalf pursuant to Section&nbsp;3.01(e) of the Plan and earnings thereon. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.16 <FONT STYLE="white-space:nowrap">CATCH-UP</FONT>
ROTH ACCOUNT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Catch-Up</FONT> Roth Account&#148; means the Member&#146;s subaccount credited
with <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions and earnings on those amounts. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.17 CODE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Code&#148; means the Internal Revenue Code of 1986, as amended from time to time. Reference to a section of the Code shall include that
section and any comparable section or sections of any future legislation that amends, supplements or supersedes said section. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.18 COMPANY MATCH
ACCOUNT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Company Match Account&#148; means the Member&#146;s subaccount credited with the Company Matching Contributions and
earnings on those amounts. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.19 COMPANY MATCHING CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Company Matching Contributions&#148; means all amounts contributed on a Member&#146;s behalf pursuant to Section&nbsp;3.03 of the Plan.
</P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.20 COMPANY STOCK </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Company
Stock&#148; means the voting common stock, $1.00 par value, of CSX Corporation which constitutes &#147;qualifying employer securities,&#148; as defined in Code Section&nbsp;4975(e)(8). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.21 CSX </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;CSX&#148; means CSX
Corporation, a Virginia Corporation. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.22 DEFINED CONTRIBUTION PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Defined Contribution Plan&#148; means a qualified plan that is a pension, profit sharing or stock bonus plan that provides for an
individual account for each Member and for benefits based solely upon the amount allocated to the Member&#146;s account, and any income, expenses, gains and losses allocated to the Member&#146;s accounts. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.23 DISABILITY </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Disability&#148;
means, as of any date of determination, the mental or physical impairment of a Member as a result of which he is currently in receipt of disability benefits under the long term disability plan maintained by the Employer. If no such long term
disability plan is maintained with respect to a Member, he shall be deemed to have incurred a Disability if he is currently in receipt of disability benefits under the Federal Social Security Act or the Federal Railroad Retirement Act. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">8 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.24 EMPLOYEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;Employee&#148; means any person employed by and actually rendering services to an Employer who (1)&nbsp;is classified as an employee
by an Employer for U.S. federal income tax withholding purposes whether or not such classification is ultimately determined to be correct as a matter of law, or an Employer subsequently agrees to retroactively reclassify such person, and
(2)&nbsp;receives Testing Compensation other than long-term disability benefits, a pension, retainer, or fee under contract. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<B>Exclusions</B>. Employee shall exclude Leased Employees, persons covered by a collective bargaining agreement pursuant to which benefits were the subject of good faith collective bargaining unless coverage is extended to them pursuant to such
agreement, any person who is a <FONT STYLE="white-space:nowrap">non-resident</FONT> alien (with respect to the United States) without United States source income, within the meaning of Code Sections 911(d)(2) and 861(a)(3), and any individual who is
employed as an independent contractor whether or not any such classifications are ultimately determined to be correct as a matter of law, or an Employer subsequently agrees to retroactively treat or reclassify such person as an employee. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Members on Active Duty Receiving Differential Wage Payments</B>. A Member who is performing services in the Uniformed Services on active
duty for a period of more than 30 days and receiving differential wage payments, as described in Section&nbsp;1.10(e) from the Employer, shall be treated as an Employee of the Employer for all purposes under the Plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.25 EMPLOYER </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Employer&#148; means
any Affiliate that has elected to participate in the Plan with respect to its Employees in accordance with the requirements of Section&nbsp;13.04. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.26 ENHANCED 401(K) CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Enhanced 401(k) Contributions&#148; means Employer contributions made on a Member&#146;s behalf pursuant to Section&nbsp;3.05 for the
Plan Year and allocated to a Member&#146;s Account for such Plan Year. Enhanced 401(k) Contributions are subject to a vesting schedule in accordance with Article VI and are subject to the distribution restrictions of Section&nbsp;9.11(a). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.27 ENHANCED 401(K) CONTRIBUTION ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Enhanced 401(k) Contribution Account&#148; means the subaccount to which shall be credited the Enhanced 401(k) Contributions made on a
Member&#146;s behalf pursuant to Section&nbsp;3.05 and earnings on those contributions. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">9 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.28 ERISA </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;ERISA&#148; means the Employee Retirement Income Security Act of 1974, as amended from time to time. Reference to a section of ERISA
shall include that section and any comparable section or sections of any future legislation that amends, supplements or supersedes said section. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.29
EXCESS AGGREGATE CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Excess Aggregate Contributions&#148; means, for any Plan Year, the amount, if any, by which the
Company Matching Contributions actually made during such Plan Year on behalf of Highly Compensated Employees exceeds the maximum amount of such contributions permitted under the limitations described in Section&nbsp;3.09(c). To determine the total
Excess Aggregate Contributions under the Plan for a Plan Year: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) calculate the reduction in contributions made on behalf of Highly
Compensated Employees in order of their contribution ratios, beginning with the highest of such percentages in accordance with Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(m)-2(b)(2);</FONT> then </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) total the dollar amounts calculated in subsection (a). Excess Aggregate Contributions are determined after first determining any Excess
Deferrals and Excess Contributions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.30 EXCESS CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Excess Contributions&#148; means, for any Plan Year, the amount, if any, by which the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions and/or Roth Contributions made during such Plan Year by Highly Compensated Employees exceeds the maximum amount of such contributions permitted under the limitations described in Section&nbsp;3.09(a). To determine the total Excess
Contributions under the Plan for a Plan Year: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) calculate the reduction in contributions made on behalf of Highly Compensated Employees
in the order of their deferral ratios, beginning with the highest of such ratios in accordance with Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(k)-2(b)(2);</FONT> then </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) total the dollar amounts calculated in subsection (a). </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Excess Contributions are determined after first determining any Excess Deferrals. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.31 EXCESS DEFERRALS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;Excess
Deferrals&#148; means, the amount, if any, by which elective deferrals of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions exceed the applicable dollar amount under Code Section&nbsp;402(g)(1)(B) in any taxable
year (as adjusted by the Secretary of the Treasury at the same time and in the same manner as the <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cost-of-living</FONT></FONT> adjustments applicable under Code Section&nbsp;415(d)).
With respect to any taxable year, a Member&#146;s elective deferrals are the sum of all contributions made by an Employer on behalf of such Member pursuant to: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) any election to defer under any qualified cash or deferred arrangement as described in Code Section&nbsp;401(k); </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">10 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) any employer contributions to a simplified employee pension cash or
deferred arrangement as described in Code Section&nbsp;402(h)(1)(B), or effective January&nbsp;1, 1997, a savings incentive match plan for employees of small employers (SIMPLE IRA) as described in Code Section&nbsp;408(p)(2); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) any contribution made by an employer on behalf of a Member for the purchase of an annuity contract under Code
Section&nbsp;403(b) pursuant to a salary reduction election; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) any employee contribution designated as deductible under
a trust described in Code Section&nbsp;501(c)(18) to the extent deductible from the individual&#146;s income for the taxable year on account of Code Section&nbsp;501(c)(18) (before applying the limits of Code Section&nbsp;402(g)); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) any eligible deferred compensation under Code Section&nbsp;457; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) In the event that a Member has Excess Deferrals and has made both <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions and Roth Contributions, the Plan shall distribute <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions first. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <FONT
STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions made pursuant to Section&nbsp;3.01(e) and Code Section&nbsp;414(v) are not included in the computation of Excess
Deferrals. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Excess Deferrals shall be treated as Annual Additions under the Plan unless such amounts are distributed no later than the
first April&nbsp;15 following the close of the Member&#146;s taxable year in which such Excess Deferrals occurred. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.32 FIDUCIARY OVERSIGHT COMMITTEE
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Fiduciary Oversight Committee&#148; means the committee designated by CSX to be responsible for selecting members to serve on
the committee comprising the Plan Administrator, the Investment Committee and the Benefit Appeals Committee. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.33 HIGHLY COMPENSATED EMPLOYEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) &#147;Highly Compensated Employee&#148; means: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) a common law employee of CSX or an Affiliate who was at any time during the Plan Year or the preceding Plan Year a five
percent owner (as defined in Code Section&nbsp;416(i)(1)); or </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">11 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) effective January&nbsp;1, 2020 with respect to this
Section&nbsp;1.33(a)(2), a common law employee of CSX or an Affiliate who received Testing Compensation in excess of $125,000 (as adjusted from time to time to reflect changes in the cost of living in accordance with the Code and applicable
regulations) for the preceding Plan Year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) To the extent elected by the Plan Administrator in accordance with
applicable Treasury Regulations, for purposes of subsection 1.33(a)(2) above, only those employees with Testing Compensation in excess of $125,000 (as also adjusted) for the preceding Plan Year who are among the top 20&nbsp;percent of all employees
of CSX and the applicable Affiliates in Testing Compensation (the <FONT STYLE="white-space:nowrap">top-paid</FONT> group) for the previous Plan Year will be considered Highly Compensated Employees. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) To the extent elected by the Plan Administrator in accordance with applicable Treasury Regulations, for purposes of
subsection 1.33(a)(2) above, an employee&#146;s Testing Compensation shall be the compensation paid during the calendar year beginning with or within the previous Plan Year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B><FONT STYLE="white-space:nowrap">Top-Paid</FONT> Group</B>. To the extent elected by the Plan Administrator in accordance with
applicable Treasury Regulations, for purposes of determining the number of employees in the <FONT STYLE="white-space:nowrap">top-paid</FONT> group under Section&nbsp;1.33(a)(2)(A), the following employees shall be excluded: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) employees who have not completed six (6)&nbsp;months of service; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) employees who normally work less than seventeen and <FONT STYLE="white-space:nowrap">one-half</FONT> (17<SUP
STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB>)&nbsp;hours per week; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) employees
who normally work not more than six (6)&nbsp;months during any year; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) employees who have not attained age <FONT
STYLE="white-space:nowrap">twenty-one</FONT> (21); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) except to the extent provided in Treasury Regulations, Employees
who are included in a unit of employees covered by an agreement that the Secretary of Labor finds to be a bargaining agreement between employee representatives and CSX or an Affiliate; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) employees who are nonresident aliens and who receive no earned income (within the meaning of Code Section&nbsp;911(d)(2))
from CSX or an Affiliate which constitutes income from sources within the United States (within the meaning of Code Section&nbsp;861(a)(3)) shall be excluded for all purposes in this Section&nbsp;1.33. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">12 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.34 HOUR OF SERVICE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Hour of Service&#148; means each hour for which an employee is paid or entitled to payment for the performance of duties for an Employer
or an Affiliate. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.35 INVESTMENT COMMITTEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Investment Committee&#148; means the committee appointed by the Fiduciary Oversight Committee, to supervise the management of the
Investment Funds, as provided in Article XI. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.36 INVESTMENT FUND </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Investment Fund&#148; means a mutual fund, collective investment fund, managed fund, separate account or similar fund selected or
established from time to time by or at the direction of the Investment Committee for the investment of a Member&#146;s balances under the Plan. Except for the Company Stock Investment Fund, the Investment Committee may add, drop or change Investment
Funds without amending the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.37 LEASED EMPLOYEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Leased Employee&#148; means any person who is not otherwise an Employee and who, pursuant to an agreement between an Employer and any
other person, has performed services for an Employer, or for an Employer and related persons (determined in accordance with Code Section&nbsp;414(n)(6)), on a substantially full time basis for a period of at least one year, and such services are
performed under the primary direction or control of an Employer, or of an Employer and related persons (determined in accordance with Code Section&nbsp;414(n)(6)). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.38 LIMITATION YEAR </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Limitation
Year&#148; means the calendar year. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.39 MEMBER </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Member&#148; means an Employee that enrolls pursuant to Section&nbsp;2.02 and has contributions allocated to an Account established on
the Employee&#146;s behalf or any former Employee who has an Account in the Plan that has not yet been distributed. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.40 MILITARY LEAVE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Military Leave&#148; means the performance of duty on a voluntary or involuntary basis in a Uniformed Service under competent authority
and includes active duty, active duty for training, initial active duty for training, inactive duty training, full-time National Guard duty, a period for which a person is absent from a position of employment for the purpose of an examination to
determine the fitness of the person to perform such duty, and any other absence qualifying as &#147;service in the uniformed services&#148; within the meaning of USERRA. Notwithstanding the preceding, Military Leave does not include service in a
Uniformed Service that terminates as a result of separation of the Member from such Uniformed Service under other than honorable conditions, as set forth in USERRA. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">13 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.41 PARENTAL LEAVE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Parental Leave&#148; means a period in which the Employee is absent from work immediately following his or her active employment because
of the Employee&#146;s pregnancy, the birth of the Employee&#146;s child or the placement of a child with the Employee in connection with the adoption of that child by the Employee, or for purposes of caring for that child for a period beginning
immediately following that birth or placement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.42 PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Plan&#148; means the CSX Corporation 401(k) Plan. The Plan is intended to be a profit-sharing and stock bonus plan as defined in Treasury
Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401-1(b)(1)(iii).</FONT> In addition, the portion of the Member&#146;s account invested in the CSX stock fund is intended to be an employee stock ownership plan (the &#147;ESOP&#148;)
(within the meaning of Code Section&nbsp;4975(e)(7)). Notwithstanding the existence of the profit-sharing, stock bonus, 401(k), 401(m), and ESOP components of the Plan, the components shall together constitute a &#147;single plan&#148; for purposes
of Code Section&nbsp;414(l); the transfer of Trust Assets between the components shall constitute intraplan transfers. Except as may be necessary or advisable to meet liquidity needs, amounts constituting the ESOP shall be invested 100% in Company
Stock. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.43 PLAN ADMINISTRATOR </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Plan Administrator&#148; means the person or committee appointed by the Fiduciary Oversight Committee to be responsible for those duties
set forth in Article X, and if applicable, elsewhere in the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.44 PLAN YEAR </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Plan Year&#148; means the twelve-month period commencing each January&nbsp;1 and ending the subsequent December 31. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.45 <FONT STYLE="white-space:nowrap">PRE-TAX</FONT> ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Pre-Tax</FONT> Account&#148; means the subaccount to which shall be credited the <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions made on a Member&#146;s behalf pursuant to Section&nbsp;3.01 and, where applicable, the balance in his or her &#147;savings plan investment account&#148; under the <FONT
STYLE="white-space:nowrap">Sea-Land</FONT> Plan on December&nbsp;31, 1988, and earnings or losses on those amounts. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.46 <FONT
STYLE="white-space:nowrap">PRE-TAX</FONT> CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Pre-Tax</FONT> Contributions&#148;
means amounts contributed on behalf of a Member as <FONT STYLE="white-space:nowrap">pre-tax</FONT> contributions pursuant to Code Section&nbsp;401(k). For purposes of Section&nbsp;1.03, <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions
shall not include <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions made pursuant to Section&nbsp;3.01(e) and Code Section&nbsp;414(v). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">14 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.47 PROFIT-SHARING ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Profit-Sharing Account&#148; means the subaccount to which shall be credited the Employer contributions made on a Member&#146;s behalf
pursuant to Section&nbsp;3.04 and earnings or losses on those contributions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.48 QACA MATCH ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;QACA Match Account&#148; means the subaccount to which shall be credited the QACA Matching Contributions made on a Member&#146;s behalf
pursuant to Section&nbsp;3.03(a) and earnings on those contributions. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.49 QACA MATCHING CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;QACA Matching Contributions&#148; means Company Matching Contributions made pursuant to Code Section&nbsp;401(k)(13)(D)(i)(l) and
Section&nbsp;3.03(a) for the Plan Year and allocated to a Member&#146;s Account by reason of the Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions for such Plan Year. QACA Matching Contributions
are 100% vested in accordance with Article VI and are subject to the distribution restrictions of Section&nbsp;9.11(a). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.50 REQUIRED BEGINNING DATE
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Required Beginning Date&#148; means April&nbsp;1 of the calendar year following the later of (a)&nbsp;the calendar year in which
a Member severs from employment, or (b)&nbsp;the calendar year in which a Member attains age seventy and <FONT STYLE="white-space:nowrap">one-half</FONT> (70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB>).
Notwithstanding the preceding, the Required Beginning Date of a Member who is a five percent owner (as defined in Code Section&nbsp;416(i)(1)), of any Affiliated Employer, is April&nbsp;1 of the calendar year following the calendar year in which
such Member attains age seventy and <FONT STYLE="white-space:nowrap">one-half</FONT> (70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB>). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.51 RETIREMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Retirement&#148;
means the Member&#146;s termination of employment with all Employers and Affiliates on or after his or her 65<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> birthday. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.52 ROLLOVER ACCOUNT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Rollover
Account&#148; means a Member&#146;s Account to which his or her Rollover Contributions, if any, are allocated, together with earnings or losses thereon. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.53 ROLLOVER CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Rollover Contributions&#148; means all amounts contributed pursuant to Section&nbsp;3.06(a). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">15 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.54 ROTH ACCOUNT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Roth Account&#148; means the Member&#146;s subaccount credited with Roth Contributions and earnings on those amounts. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.55 ROTH CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Roth
Contributions&#148; means, effective January&nbsp;1, 2015, contributions made pursuant to Section&nbsp;3.01 during the Plan Year, at the election of a Member, in lieu of all or a portion of the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contribution that a Member is otherwise entitled to make to the Plan and which is treated by the Member as includible in the Member&#146;s gross income pursuant to Code Section&nbsp;402A at the time the Member would have received the amount in cash
if the Member had not made such an election. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.56 <FONT STYLE="white-space:nowrap">SEA-LAND</FONT> PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">&#147;Sea-Land</FONT> Plan&#148; means the <FONT STYLE="white-space:nowrap">Sea-Land</FONT> Corporation
Savings and Investment Plan as in effect immediately before its merger on December&nbsp;31, 1988 with the CSX Corporation 401(k) Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.57 SERVICE
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Service shall begin on the date the Employee first completes an Hour of Service and ends on the Employee&#146;s Severance Date. If
an Employee&#146;s employment is terminated and he or she is later reemployed as an Employee within one year, the period between his or her Severance Date and the date of his or her reemployment shall be included in his or her Service. However, if
an Employee&#146;s employment is terminated during a period of absence from Service while an active Employee for reasons such as vacation, sickness, disability, layoff or leave of absence approved by an Employer, Service shall be counted for the
period from his or her Severance Date to the date of his or her reemployment only if he or she is reemployed within one year of the first day of that absence. An Employee&#146;s periods of Service shall be aggregated, except as provided under
subsection (c)&nbsp;below, on the basis of 12 months equaling one year. An Employee who is paid for an Hour of Service during a calendar month will be credited with a full month of Service. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) A Break in Service shall occur if an Employee is not credited with an Hour of Service within one year after a Severance Date: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) provided, however, that if an Employee is absent from Service beyond one year of his or her Severance Date because of
Parental Leave, a Break in Service shall occur only if the Employee is not reemployed or does not return to active service within two years of his or her Severance Date; and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">16 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) provided further, that solely for purposes of determining whether a
Break in Service for participation or vesting purposes has occurred, an individual who takes unpaid leave under the Family and Medical Leave Act on or after August&nbsp;5, 1993, will receive credit for an Hour of Service for the period of such
leave. If the leave straddles the anniversary of the Member&#146;s Severance Date, such Hour of Service shall be credited (A)&nbsp;in the first year after the Severance Date if necessary to prevent the Break in Service in that period, or (B)&nbsp;in
all other cases, in the second year after a Severance Date. Any individual who receives credit for a Parental Leave above will not receive credit for the same period under this subsection. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) If an Employee is absent from the service of an Employer because of Military Leave, or in the case of a Canadian citizen, because of
service in the Armed Forces of Canada, and if he returns to the service of an Employer having applied to return while his reemployment rights are protected by USERRA or Canadian law, as applicable, that absence shall not be a Break in Service, but
instead shall be counted as Service. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) A period during which an Employee is on a leave of absence approved by an Employer shall not be
considered as a Break in Service. Under rules uniformly applicable to all Employees similarly situated, the Plan Administrator may authorize Service to be counted for any portion of that period of leave which is not counted as Service under
subsection (a)&nbsp;of this Section&nbsp;1.57. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) For purposes of determining vesting under Article VI, each of the following periods of
service shall be counted in an individual&#146;s Service to the extent that it would be recognized under paragraph (a)&nbsp;through (f) above with respect to Employees: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) a period of service as an employee, but not as an Employee, of an Employer, and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) a period of service as an employee of an Affiliate. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) In the case of any person who is a Leased Employee immediately before or after a period of service as an Employee, the entire period during
which he has performed services for an Employer or an Affiliate as a Leased Employee shall be counted as Service as an Employee solely for vesting and eligibility for membership in the Plan. A Leased Employee shall not, by reason of that status,
become a Member of the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.58 SEVERANCE DATE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Severance Date&#148; means, except as otherwise specifically provided, the earlier of </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) the date an Employee quits, retires, is discharged or dies, or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) the first anniversary of the date on which an Employee is first absent from service with an Employer, with or without Benefit Compensation,
for any reason other than quitting, retirement, discharge or death, such as vacation, sickness, disability, layoff or leave of absence. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.59 SPOUSAL CONSENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Spousal Consent&#148; means written consent given by a Member&#146;s Spouse to a designation made by the Member of a specified
Beneficiary other than such Spouse. The designated Beneficiary shall not be changed unless further Spousal Consent is given. That consent must be given on a form prescribed by the Plan Administrator that is duly witnessed by a Plan representative or
notary public and shall acknowledge the effect on the Spouse of the Member&#146;s election. The requirement for Spousal Consent may be waived by the Plan Administrator if it is established to the Plan Administrator&#146;s satisfaction that there is
no Spouse, or that the Spouse cannot be located, or that such other circumstances exist as may be permitted by applicable law. Spousal Consent shall be applicable only to the particular Spouse who provides the consent. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.60 SPOUSE OR SURVIVING SPOUSE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Spouse&#148; or &#147;Surviving Spouse&#148; means, effective on or after June&nbsp;26, 2013, unless otherwise provided in a Qualified
Domestic Relations Order pursuant to Section&nbsp;12.03, a Member&#146;s Spouse to whom he or she is or was married, as determined under the laws of the jurisdiction in which the marriage was solemnized, at the time of the ceremony. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.61 TESTING COMPENSATION </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<B>General</B>. Without limiting the generality of the foregoing, Testing Compensation means &#147;compensation&#148; within the meaning of Code Section&nbsp;415(c)(3) and final Treasury Regulations
<FONT STYLE="white-space:nowrap">Section&nbsp;1.415(c)-2(a)</FONT> paid in respect of such Member by the Employer of an Affiliate for personal services actually rendered. Testing Compensation includes the wages, salaries, and other amounts paid in
respect of an Employee for services rendered to an Employer or an Affiliate, including by way of example, overtime, bonuses and commissions, but excluding deferred compensation, stock options and other distributions which receive special tax
benefits under the Code. Testing Compensation shall include <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions, Roth Contributions, amounts not includible in the Member&#146;s gross income pursuant to Code Section&nbsp;132(f)(4), and
amounts contributed on a Member&#146;s behalf on a salary reduction basis to a cafeteria plan as described in Code Section&nbsp;125. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<B>Limitation</B>. The Testing Compensation for Plan purposes with respect to any one Eligible Employee shall not exceed $285,000 or such adjusted dollar amount announced by the Secretary of the Treasury or his or her delegate in accordance with
Code Section&nbsp;401(a)(17)(B). The <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">cost-of-living</FONT></FONT> adjustment in effect for a calendar year shall apply to any determination period beginning in such calendar year.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Post-Severance Testing Compensation</B>. Testing Compensation for a Plan Year shall also include amounts paid by the later of (i) 2<SUP
STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> months after an Member&#146;s severance from employment with the Employer (within the meaning of Code Section&nbsp;401(k)(2)(B)(i)(l)), or (ii)&nbsp;the end of the
Plan Year that includes the date of the Employee&#146;s severance from employment with the Employer if the payment is Testing Compensation (x) for services during the Member&#146;s regular working hours, (y)&nbsp;for service performed outside of the
Member&#146;s regular working hours (such as overtime or shift differential), or (z) commissions, bonuses, or other similar payments that, absent a severance from employment, the payments would have been paid to the Member while the Member continued
in employment with the Employer, and </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the payment is for accrued bona fide sick, vacation or other leave, but
only if the Member would have been able to use the leave if employment had continued; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the payment is received by the
Member pursuant to a nonqualified unfunded deferred compensation plan, but only if it would have been paid at the same time if employment had continued and only to the extent includible in gross income; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) the payment is to an individual who does not currently perform services for the Employer by reason of military leave, to
the extent these payments do not exceed the amounts the individual would have received had the individual continued to perform services for the Employer rather than entering military leave; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the payment is made to a Member who is &#147;permanently and totally disabled&#148; (as defined in Code
Section&nbsp;22(e)(3)), provided salary continuation applies to all Members who are permanently and totally disabled for a fixed or determinable period. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Differential Wage Payments</B>. Any &#147;differential wage payments,&#148; as defined in Code Section&nbsp;3401(h), paid to a Member
performing service in the Uniformed Services while on active duty for more than 30 days shall be treated as Testing Compensation under this Section&nbsp;1.61 for purposes of Code Section&nbsp;415(c)(3). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.62 TRUST </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Trust&#148; means the
accounts of the CSX Corporation Master Retirement Savings Plan Trust Agreement entered into between CSX and the Trustee under which the Trust Assets of the Plan are held. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.63 TRUST AGREEMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Trust
Agreement&#148; means the agreement of Trust, as in effect from time to time, between CSX, the Investment Committee and the Trustee (or any successor Trustee) establishing the Trust and specifying the duties of the Trustee. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.64 TRUST ASSETS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Trust
Assets&#148; means all cash, Company Stock and other property held in the Trust for the exclusive benefit of Members (and their Beneficiaries). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">19 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.65 TRUSTEE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Trustee&#148; means the Trustee or Trustees by whom the Trust Assets of the Plan are held as provided in Article XI. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.66 UNIFORMED SERVICE </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Uniformed
Service&#148; means, as defined in Chapter 43 of Title 38, United States Code, the U.S. Armed Forces (including the U.S. Coast Guard); the Army National Guard and the Air National Guard when engaged in active duty training, inactive duty training,
or full-time National Guard duty; the commissioned corps of the Public Health Service; and any other category of persons designated by the President of the United States in time of war or emergency. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.67 USERRA </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;USERRA&#148; means the
Uniformed Services Employment and Reemployment Rights Act of 1994. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.68 VALUATION DATE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Valuation Date&#148; means each business day of the Plan Year that the New York Stock Exchange, or its successor, is open. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>1.69 YEARS OF SERVICE </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">&#147;Years of
Service&#148; means whole years of Service. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE II </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ELIGIBILITY AND ENROLLMENT </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2.01
ELIGIBILITY </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) N<B>ewly Eligible Employees</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Each employee is eligible to participate in the Plan upon employment as an Employee by an Employer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Each employee whose status changes from an ineligible classification to participate in the Plan to an eligible
classification may participate in the Plan as an Employee upon such reclassification. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Notification of Membership</B>. The Plan
Administrator or its delegate shall notify each Employee of his or her opportunity to become a Member and the terms and conditions of his or her participation as soon as practicable after he or she becomes an Employee. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Current Members</B>. Each Employee who is a Member on December&nbsp;31, 2019, shall continue to be a Member on and after January&nbsp;1,
2020, for so long as such Employee meets the requirement for membership. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2.02 ENROLLMENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Enrollment</B>. In lieu of automatic enrollment under Section&nbsp;2.02(b), each employee may begin making <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions as soon as administratively practicable following the date such employee meets the requirements to become an Employee and enrolls in the Plan in a manner prescribed by
the Plan Administrator, including: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) designating the percentage of Benefit Compensation to be contributed under the Plan
as <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions in accordance with Section&nbsp;3.01; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) authorizing his or her Employer to make payroll deductions from such Employee&#146;s Benefit Compensation. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Automatic Enrollment</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <B>Post-April 30, 2010 Rules</B>. Effective for pay periods commencing on and after May&nbsp;1, 2010, except as provided
below, each Employee will be treated as having elected to have the Employer make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions in an amount equal to the applicable &#147;default deferral percentage&#148; described in
Section&nbsp;3.01(a) of the Employee&#146;s Benefit Compensation (i.e., the &#147;default election&#148;). The default election made under this Section&nbsp;2.02(b)(1) ceases to apply to an Employee who makes an affirmative election (A)&nbsp;to opt
out of the Plan&#146;s automatic enrollment provisions, (B)&nbsp;to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions or Roth Contributions, or (C)&nbsp;was eligible to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions immediately before June&nbsp;20, 2007, and had an affirmative election (e.g., to make or not to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions) in effect at any time on or after June&nbsp;20, 2007. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">21 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <B>Notice Requirements</B>. Prior to the beginning of each Plan Year,
the Plan Administrator shall provide a notice to each Employee who is subject to this Section&nbsp;2.02(b). The notice shall be written in a manner calculated to be understood by the Employee and describe his or her rights and obligations with
regard to automatic deferrals. The notice shall explain (A)&nbsp;the percentage of the Employee&#146;s Benefit Compensation that will be contributed to the Plan as <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions, (B)&nbsp;the default
Investment Fund in which <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions will be invested in the absence of any investment election by the Employee and the opportunity to direct the investment of
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions; (C)&nbsp;the right of the Employee to elect not to have <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions made on his or her behalf and to receive
his or her Benefit Compensation in cash, and the right to make greater or smaller <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions; and (D)&nbsp;the procedure and timing for making such elections. An Employee
shall be given a reasonable period after receipt of the notice, and before the first election for the applicable Plan Year is to be made, to make an election with respect to <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth
Contributions and investment directions related thereto. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Enrollment for Enhanced 401(k) Contributions</B>. Notwithstanding the
prior provisions of this Section&nbsp;2.02, an Employee who is not a Member pursuant to subparagraphs (a)&nbsp;and (b) above shall be enrolled as a Member on the date an Enhanced 401(k) Contribution is made on his or her behalf. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2.03 LOSS IN ELIGIBLE STATUS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">An Employee
who loses status as such shall be reclassified as of the date he or she again meets the requirements to become an Employee. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>2.04 TERMINATION OF MEMBER
STATUS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A Member who is not an Employee entitled to then current benefits under the Plan shall continue to be a Member for purposes of
the applicable provisions of the Plan for so long as he or she has an Account. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">22 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE III </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>CONTRIBUTIONS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.01 <FONT
STYLE="white-space:nowrap">PRE-TAX</FONT> AND ROTH CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Default Deferral Percentages</B>. The Employer shall make <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions on behalf of each Employee automatically enrolled pursuant to Section&nbsp;2.02(b) in an amount equal to the applicable &#147;default deferral percentage&#148; of the Employee&#146;s Benefit
Compensation. The default deferral percentages made under this Section&nbsp;3.01(a) cease to apply to an Employee who makes an affirmative election (i)&nbsp;to opt out of the Plan&#146;s automatic enrollment provisions under Section&nbsp;2.02(b), or
(ii)&nbsp;to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions at a different level than the &#147;qualified percentage.&#148; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) A &#147;default deferral percentage,&#148; for any Member is: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) three percent (3%) of Benefit Compensation during the initial period commencing on the pay date that a Member first has
contributions withheld from Benefit Compensation pursuant to a default election under Section&nbsp;2.02(b) for a Plan Year and ends on the anniversary of such date the following Plan Year; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) four percent (4%) of Benefit Compensation during the first twelve-month period following the last day of the initial period
in Section&nbsp;3.01(a)(1)(A); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) five percent (5%) of Benefit Compensation during the second twelve-month period
following the last day of the initial period described in Section&nbsp;3.01(a)(1)(A); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(D) six percent (6%) of Benefit
Compensation during the third twelve-month period following the last day of the initial period described in Section&nbsp;3.01(a)(1)(A); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(E) seven percent (7%) of Benefit Compensation during the fourth twelve-month period following the last day of the initial
period described in Section&nbsp;3.01(a)(1)(A); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(F) eight percent (8%) of Benefit Compensation during the fifth
twelve-month period following the last day of the initial period described in Section&nbsp;3.01(a)(1)(A); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(G) nine percent
(9%) of Benefit Compensation during the sixth twelve-month period following the last day of the initial period described in Section&nbsp;3.01(a)(1)(A); and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(H) ten percent (10%) of Benefit Compensation during any later Plan Year. </P>
<P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Effective for Employees that are hired or that become eligible to
participate in the Plan on or after April&nbsp;1, 2014, the default deferral percentage shall be six percent (6%) as provided in Section&nbsp;3.01(a)(1)(D) and shall increase to ten percent (10%) as provided in Section&nbsp;3.01(a)(1)(E) through
(H). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) Periods without Default Contributions. The default deferral percentages described in this Section&nbsp;3.01(a)
are based on the date the initial period in Section&nbsp;3.01(a)(1)(A) begins or, effective April&nbsp;1, 2014, in Section&nbsp;3.01(a)(1)(D) begins, as applicable, regardless of whether the Member is eligible to make
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions or Roth Contributions under the Plan after such date. If an Employee did not have <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions made pursuant to a default election for an
applicable <FONT STYLE="white-space:nowrap">12-</FONT> month period described in Section&nbsp;3.01(a)(1), the Plan may treat the Employee as if the Employee did not make such contributions for any prior period, as well as for purposes of determining
when the initial period in Section&nbsp;3.01(a)(1)(A) begins or, effective April&nbsp;1, 2014, in Section&nbsp;3.01(a)(1)(D) begins, as applicable. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Optional Deferral Percentages</B>. A Member may elect, in a manner prescribed by the Plan Administrator, to increase the Benefit
Compensation contributed to the Plan by the Employer as <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions by not less than 1% and not more than 50%, in multiples of 1%. Such election by the Member may include
automatic annual increases in the contribution amount. A Member may also elect to reduce the Benefit Compensation contributed to the Plan by the Employer as <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions by
not less than and in multiples of 1%. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) A deferral election pursuant to Code Section&nbsp;401(k) shall only be made with respect to a
Member&#146;s Benefit Compensation that is not currently available to such Member. <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions shall be promptly paid to the Trustee.
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions shall be allocated as soon as administratively practicable to the Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account or Roth Account, as
applicable. <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions shall be limited as provided in Sections 3.08 and 3.09 and subsection (d)&nbsp;below. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Excess Deferrals</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>General</U>. Notwithstanding any other provision of this Plan, no Member shall be permitted to have <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions or Roth Contributions made on his or her behalf under this Plan or any other plans, contracts, or arrangements of the Employer for a calendar year to the extent that the sum of his or her
elective deferrals for such calendar year cause Excess Deferrals. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Prevention of Excess Deferrals During a Calendar
Year</U>. In the event that the Plan Administrator knows or reasonably believes that a Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions under the Plan will cause an Excess Deferral for a calendar
year, the Plan Administrator, under uniform rules and procedures, may suspend a Member&#146;s designation of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions to be made during such calendar year to the extent
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:0%; font-size:10pt; font-family:Times New Roman">necessary to prevent the Excess Deferral. In the event the Plan
Administrator suspends a Member&#146;s designation of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions for the foregoing reasons, (A)&nbsp;any such suspension shall be applied in the same manner to <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions, and (B)&nbsp;such designation shall be automatically reinstated as of the next calendar year. Effective January&nbsp;1, 2003, the
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions of a Member who is eligible to make <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions, as described in Section&nbsp;3.01(e), and whose
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions in a taxable year exceed the Code Section&nbsp;402(g)(1)(B) limit, shall be treated as <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions for the
taxable year. Effective January&nbsp;1, 2015, the Roth Contributions of a Member who is eligible to make <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions, as described in Section&nbsp;3.01(e), and whose <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions in a taxable year exceed the Code Section&nbsp;402(g)(1)(B) limit, shall be treated as <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions for the
taxable year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Correction of Excess Deferrals</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) <U>During the Calendar Year</U>. In the event that a Member notifies the Plan Administrator prior to the end of a calendar
year that Excess Deferrals have been made on his or her behalf for such calendar year, the Plan Administrator may distribute to the Member an amount equal to the sum of the Excess Deferral and earnings (as used in this Section&nbsp;3.01, gain or
loss, as determined in accordance with regulations prescribed by the Secretary of the Treasury under the provisions of Code Sections 402(g), 401(k) and 401(m)) attributable thereto if the Member designates such amount as an Excess Deferral. The
correcting distribution cannot be made until after the Plan has received the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contribution that caused the Excess Deferral. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) <U>After the End of the Calendar Year</U>. After the end of the calendar year in which
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions were made and prior to the next succeeding April 15<SUP STYLE="font-size:85%; vertical-align:top">th</SUP>, the Plan Administrator may distribute to the Member
an amount equal to the sum of the Excess Deferral allocated to this Plan and earnings attributable thereto if, prior to the March 15<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> of the year following the year in which Excess Deferrals are
made, the Member notifies the Plan Administrator of the amount of Excess Deferral allocated to this Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) <U>Excess
Deferrals and Earnings</U>. Earnings allocable to the period between the end of the Plan Year and the date of distribution (the &#147;gap period&#148;) shall be disregarded and shall be determined pursuant to Treasury Regulation <FONT
STYLE="white-space:nowrap">Section&nbsp;1.402(g)-1(e)(5)</FONT> (as it appeared in the April&nbsp;1, 2006, edition of 26 CFR Part 1). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>Notice and Rules</U>. The distributions permitted under this Section may be made notwithstanding any other provision of
this Plan or of any law, rule or regulation. The Plan Administrator may establish uniform rules to provide for notices to Eligible Employees in the event of Excess Deferrals and to otherwise prevent the Plan from accepting or holding Excess
Deferrals. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">25 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B><FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions</B>. Any Employee who
is eligible to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions under the Plan and who will have attained age 50 by the end of the applicable tax year shall be eligible to make
<FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions, as applicable in accordance with, and subject to the limitations of, Code Section&nbsp;414(v), the final
regulations thereunder and the procedures established by the Plan Administrator. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Such
<FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions shall not be taken into account for purposes of the applicable dollar limitation described in
Section&nbsp;3.01(d)(1) for elective deferrals under Code Section&nbsp;402(g)(1)(B) or the Annual Addition limitation described in Section&nbsp;3.10(a). Further, the Plan shall not be treated as failing to satisfy the provisions of the Plan
implementing the requirements of Code Sections 401(a)(4), 401(k)(3), 401(k)(11), 403(b)(12), 408(k), 410(b), or 416, as applicable, as a result of such contributions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Such <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and <FONT STYLE="white-space:nowrap">Catch-Up</FONT>
Roth Contributions under this subsection (e)&nbsp;shall be eligible for Company Matching Contributions in accordance with Section&nbsp;3.03. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) The annual dollar limit on <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and/or <FONT
STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions is subject to the applicable dollar amount of Code Section&nbsp;414(v)(2)(B) as adjusted by the Secretary of the Treasury for <FONT STYLE="white-space:nowrap"><FONT
STYLE="white-space:nowrap">cost-of-living</FONT></FONT> increases pursuant to Code Section&nbsp;414(v)(2)(C). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) Only
otherwise eligible Members who have (A)&nbsp;made the maximum <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions under Section&nbsp;3.01(b); (B) made <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions
and/or Roth Contributions equal to the applicable dollar limit described in Section&nbsp;3.01(c)(1); (C) reached the Annual Addition limitation described in Section&nbsp;3.10(a); or (D)&nbsp;had their <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions and/or Roth Contributions limited by the ADP test in Section&nbsp;3.09 for such Plan Year, shall be eligible to make <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and/or <FONT STYLE="white-space:nowrap">Catch-Up</FONT>
Roth Contributions for such Plan Year. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.02 <FONT STYLE="white-space:nowrap">AFTER-TAX</FONT> CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions shall be permitted under the Plan for Plan Years commencing on and after
January&nbsp;1, 2011. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.03 COMPANY MATCHING CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Qualified Automatic Contribution Arrangement Safe Harbor. Effective for Plan Years commencing on and after January&nbsp;1, 2011, the ADP
test under Section&nbsp;3.09(a) is treated as satisfied for a Plan Year if the auto enrollment requirements of Section&nbsp;2.02(b)(2), the default deferral percentages of Section&nbsp;3.01(a), the safe harbor contribution requirements of
Section&nbsp;3.03(a)(1), and the notice requirements of Section&nbsp;3.03(a)(2) are satisfied for such Plan Year. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">26 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>QACA Matching Contributions</U>. A QACA Matching Contribution shall
be made on behalf of each Member for the Plan Year equal to (A) 100&nbsp;percent (100%) of each Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions up to one percent of Benefit Compensation, and (B)
50&nbsp;percent (50%) of each Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions that exceed one percent but do not exceed six percent of Benefit Compensation. QACA Matching Contributions shall be
allocated to a Member&#146;s QACA Matching Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">QACA Matching Contributions shall be made on a payroll basis.
Notwithstanding the forgoing, unless determined to be a de minimis amount by the Plan Administrator in a uniform and nondiscriminatory way, a Member&#146;s Employer shall make a <FONT STYLE="white-space:nowrap">&#147;true-up&#148;</FONT> QACA
Matching Contribution with respect to each Member who has made or caused to be made <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions equal to 6% of his or her Benefit Compensation for such Plan Year, but has
not received QACA Matching Contributions equal to 3.5% of his or her Benefit Compensation for the portion of such Plan Year in which he or she is a Member. Such QACA Matching Contribution shall equal the difference between 3.5% of the Member&#146;s
Benefit Compensation for the portion of such Plan Year in which he or she is a Member and the payroll-based QACA Matching Contributions received by such Member for the Plan Year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Notice Requirements</U>. Each Plan Year in which the Employer intends to satisfy the alternative <FONT
STYLE="white-space:nowrap">non-discrimination</FONT> requirements of Code Section&nbsp;401(k)(13), as set forth in this Section&nbsp;3.03(a), each Employee for the Plan Year must receive a notice of his or her rights and obligations under the Plan.
Such notice must be in writing or in such other form as may be approved by the Commissioner of the Internal Revenue Service, and satisfy the content and timing requirements of Treasury Regulations
<FONT STYLE="white-space:nowrap">Section&nbsp;1.401(k)-3(k)(4).</FONT> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Discretionary Annual Match</B>. By appropriate action, the
Board of Directors may establish, with respect to certain designated Employers, a matching percentage for a Plan Year in addition to that provided in subsection (a)&nbsp;above. Such increased match shall not apply to subsequent Plan Years unless
prior to the beginning of any such subsequent Plan Year the Board of Directors again establishes an increased matching percentage. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.04 PROFIT-SHARING
CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Employer Discretion</B>. Profit-sharing contributions by an Employer for a Plan Year, if any, shall be made at
the sole discretion of the Board of Directors. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">27 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Allocation</B>. An Employer&#146;s profit-sharing contributions for a Plan Year shall
be allocated to the respective Profit-Sharing Accounts among its Members eligible to share in such contributions in proportion to each such Member&#146;s Benefit Compensation paid by the Employer or in such other manner approved by the Board of
Directors. A Member must be an Employee on the last day of the Plan Year to share in such contributions, unless the Member&#146;s termination of employment during such Plan Year was the result of death, Disability or such termination of employment
occurs after attainment of age 65, or if earlier, after attainment of age 55 if the Member has earned at least ten (10) years of employment service. By appropriate action, the Board of Directors may provide that profit-sharing contributions shall be
made on a separate basis or in separate amounts with respect to specified Employers. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.05 ENHANCED 401(K) CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Employer Contributions</B>. Effective for Plan Years beginning on and after January&nbsp;1, 2020, on behalf of each eligible Member
described in Section&nbsp;3.05(b), an Employer shall make an Enhanced 401(k) Contribution for such Plan Year in an amount equal to 3% of his or her Benefit Compensation (as modified pursuant to Section&nbsp;3.05(c)). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Eligible Members</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Any Employee with an initial date of hire on or after January&nbsp;1, 2020; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Any former Employee or former Member who is reemployed as an Employee on or after January&nbsp;1, 2020; and (3) Any
Employee who is not eligible to participate in the CSX Pension Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Benefit Compensation</B>. For purposes of determining Benefit
Compensation for calculating an eligible Member&#146;s Enhanced 401(k) Contribution only, &#147;Benefit Compensation&#148; shall include bonuses. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.06
ROLLOVER CONTRIBUTIONS AND TRANSFERS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Rollover Contributions</B>. Without regard to any limitations on contributions set forth
in Section&nbsp;3.10, the Plan may receive from a Member, in cash or in such other property acceptable to the Plan Administrator, any amount previously received by the Member from a qualified plan, or either directly or indirectly from an individual
retirement account, provided that such amount is eligible for rollover treatment to a qualified trust in accordance with Code Section&nbsp;402(a)(5) and the Member provides evidence satisfactory to the Plan Administrator that such amount qualifies
for rollover treatment. Notwithstanding the preceding, the Plan will not accept a Rollover Contribution of <FONT STYLE="white-space:nowrap">after-tax</FONT> amounts or Roth amounts from a Roth individual retirement account as described in Code
Section&nbsp;408A. The Rollover Contribution must be paid to the Trustee on or before the 60<SUP STYLE="font-size:85%; vertical-align:top">th</SUP> day after the day it was received by the Member and shall be allocated to the Member&#146;s Rollover
Account and invested as set forth in Article IV. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Administrator Discretion</B>. The Plan Administrator may refuse to accept any
Rollover Contribution where the Member cannot or does not provide evidence reasonably satisfactory to the Plan Administrator that such amount is subject to rollover treatment at the time received by the Plan Administrator. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">28 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Transfers Caused By Change In Employment Status</B>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The Account of a Member who becomes eligible to participate in the CSX Capital Builder Plan (&#147;Capital Builder&#148;)
as a result of a change in employment status and/or transfer, shall be transferred to Capital Builder, as soon as practicable, in full compliance with applicable law. Notwithstanding the foregoing or any provisions in Capital Builder to the
contrary, the Member&#146;s Enhanced 401(k) Contribution Account transferred to Capital Builder in accordance with this Section will continue to be subject to the vesting and forfeiture provisions contained in Article VI of the Plan, including the
vesting requirements contained in Section&nbsp;6.01 of the Plan, even though such Enhanced 401(k) Contribution Account was transferred to Capital Builder. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The Capital Builder account of an Employee who becomes eligible to participate in this Plan as a result of a change in
employment status and/or transfer, shall be transferred to this Plan as soon as practicable, in full compliance with the law. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.07 USERRA
CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Restoration Contributions. A Member who is reemployed by an Employer after a period of Military Leave and whose
reemployment satisfies the provisions of USERRA shall be entitled to make <FONT STYLE="white-space:nowrap">&#147;Pre-Tax</FONT> Restoration Contributions&#148; and &#147;Roth Restoration Contributions&#148; to the Plan during the Account Restoration
Period as set forth below. Further, such Member shall be entitled to profit-sharing contributions, Enhanced 401(k) Contributions, and/or Company Matching Contributions by his or her Employer equal to the amount the Employer would have contributed on
behalf of the Employee had the Employee not incurred Military Leave and had the Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Restoration Contributions and/or Roth Restoration Contributions actually been made during the period of
Military Leave to which such Company Matching Contributions relate. Earnings and forfeitures shall not be considered in determining the Employer&#146;s obligation under this Section. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> and Roth Restoration Contributions</U>.
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> and Roth Restoration Contributions are contributions made to the Plan by an Employer, at the election of a Member in lieu of Benefit Compensation and pursuant to a salary reduction election or other
mechanism. A Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Restoration Contributions and/or Roth Restoration Contributions shall not exceed the amount of Benefit Compensation that the Member could have deferred under the Plan during
his or her Military Leave had the Member remained employed by the Employer during the Military Leave. A Member who makes contributions under subsection (b)&nbsp;below may not defer against that same income under this paragraph (1). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">29 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Account Restoration</U>. Notwithstanding any provision of the Plan to
the contrary, and in addition to any other contributions to the Plan, a Member may cause <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Restoration Contributions and/or Roth Restoration Contributions to be made on his or her behalf only during the
Account Restoration Period. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Account Restoration Period</U>. The duration of a Member&#146;s Account Restoration
Period shall equal the lesser of (A)&nbsp;the product of three and the duration of the Military Leave, and (B)&nbsp;five years. The Account Restoration Period commences on the date the Member becomes reemployed by an Employer as an Employee
following Military Leave. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Other Contributions.</B> Notwithstanding the above, an Employer that continues part or all of the
Member&#146;s Benefit Compensation during part or all of a period of Military Leave may allow such Member to continue to make <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions under Section&nbsp;3.01 during such
Military Leave. Such <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions may be matched by the Employer in accordance with Section&nbsp;3.03. An Employer&#146;s decision to continue part or all of a Member&#146;s
Benefit Compensation shall apply to all similarly situated Members on a nondiscriminatory basis. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.08 CHANGE OR SUSPENSION OF CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Automatic Changes.</B> The percentages of Benefit Compensation designated by a Member under Section&nbsp;3.01 shall automatically apply
to increases and decreases in his or her Benefit Compensation brought about by the Employer&#146;s actions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Member-Initiated
Changes. </B>A Member&#146;s election shall continue until modified or terminated. Subject to the provisions of Section&nbsp;3.01, a Member may elect to change, suspend or reinstate the percentage of his or her authorized Benefit Compensation
reduction, by giving prior notice of such change in a manner approved by the Plan Administrator. The revised election shall become effective as soon as administratively practicable and shall be effective only with respect to contributions made
thereafter. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.09 LIMITATIONS AFFECTING HIGHLY COMPENSATED EMPLOYEES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Limitation Based on Actual Deferral Percentage Based on Current Year Testing. </B>The ADP test will be applied by comparing the current
Plan Year&#146;s ADP for Members who are Highly Compensated Employees with the current Plan Year&#146;s ADP for Members who are <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees. To the extent required by law, the ADP for
Highly Compensated Employees may not exceed the greater of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) one hundred twenty-five percent (125%) of the ADP for <FONT
STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the lesser of: (A)&nbsp;two
hundred percent (200%) of the ADP for <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year; or (B)&nbsp;the ADP for <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year plus
two percentage points. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">30 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Employer can elect Prior Year Testing for a Plan Year only if the Plan has used Current Year Testing for
each of the preceding 5 Plan Years or if, as a result of a merger or acquisition described in Code Section&nbsp;410(b)(6)(C)(i), the Employer maintains both a plan using Prior Year Testing and a plan using Current Year Testing and the change is made
within the transition period described in Code Section&nbsp;410(b)(6)(C)(ii). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding the preceding, and effective for Plan Years commencing on
and after January&nbsp;1, 2011, the ADP test of Code Section&nbsp;401(k)(3) and this Section&nbsp;3.09(a) shall be deemed satisfied each Plan Year the Employer satisfies the alternative <FONT STYLE="white-space:nowrap">non-discrimination</FONT>
requirements of Code 401(k)(13), as set forth in Section&nbsp;3.03(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Avoiding or Correcting Excess Contributions.</B> If there
are Excess Contributions for a Plan Year, the Plan Administrator may implement rules limiting the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and Roth Contributions which may be made on behalf of some or all Highly Compensated
Employees so that the limitations of subsection (a)&nbsp;are satisfied. If the Plan Administrator determines that the limitations under subsection (a)&nbsp;have been exceeded in any Plan Year, the provisions set forth in <U>Appendix A, Section I</U>
shall apply. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Limitation Based on Actual Contribution Percentage Test. </B>The ACP test will be applied by comparing the current
Plan Year&#146;s ACP for Members who are Highly Compensated Employees with the current Plan Year&#146;s ACP for Members who are <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees. To the extent required by law, the ACP for
Highly Compensated Employees shall not exceed the greater of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) one hundred twenty-five percent (125%) of the ACP for <FONT
STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the lesser of: (A)&nbsp;two
hundred percent (200%) of the ACP for <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year; or (B)&nbsp;the ACP for <FONT STYLE="white-space:nowrap">non-Highly</FONT> Compensated Employees for the Plan Year plus
two percentage points. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Employer can elect Prior Year Testing for a Plan Year only if the Plan has used Current Year Testing for each of the preceding
5 Plan Years or if, as a result of a merger or acquisition described in Code Section&nbsp;410(b)(6)(C)(i), the Employer maintains both a plan using Prior Year Testing and a plan using Current Year Testing and the change is made within the transition
period described in Code Section&nbsp;410(b)(6)(C)(ii). </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Notwithstanding the foregoing paragraphs, and effective for Plan Years commencing on and after
January&nbsp;1, 2011, the ACP test of Code Section&nbsp;401(m)(3) and this Section&nbsp;3.09(c) shall be deemed satisfied with respect to QACA Matching contributions made for any Plan Year the Employer satisfies the alternative <FONT
STYLE="white-space:nowrap">non-discrimination</FONT> requirements of Code Section&nbsp;401(m)(12), as set forth in Section&nbsp;3.03(d). The ACP test described in this Section&nbsp;3.09(c) shall continue to apply, however, with respect to
discretionary annual matching contributions in Section&nbsp;3.03(b), as applicable. The ACP test shall be conducted using the Current Year Testing method and in accordance with <U>Appendix A, Section II</U>. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Participation of Highly Compensated Employees</B> <B>in Multiple Plans</B>. If any
Highly Compensated Employee is a member of another Defined Contribution Plan of an Employer or an Affiliate under which <FONT STYLE="white-space:nowrap">pre-tax</FONT> contributions, Roth contributions or employer matching contributions are made on
behalf of the Highly Compensated Employee or under which the Highly Compensated Employee makes member contributions, the Plan Administrator shall implement rules, which shall be uniformly applicable to all employees similarly situated, to take into
account all such contributions under all such plans in applying the limitations of this Section. The determination of the ADP and ACP for a Member who is a Highly Compensated Employee and who participates in more than one plan shall be made in
accordance with Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(k)-2(a)(3)</FONT> and <FONT STYLE="white-space:nowrap">1.401(m)-2(a)(3),</FONT> or superseding guidance. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Qualified Nonelective Contributions.</B> CSX&#146;s Senior Human Resources Officer may authorize that &#147;qualified nonelective
contributions,&#148; as defined in Code Section&nbsp;401(m)(4)(C), shall be made for a Plan Year, subject to applicable Treasury Regulations. Such contributions shall be allocated to Members who are not Highly Compensated Employees in accordance
with the requirements of Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(k)-2(a)(6).</FONT> Qualified nonelective contributions shall be 100% nonforfeitable when made, shall not be available for withdrawal under Article VII,
and shall be subject to the distribution restrictions for elective deferral contributions set forth in Section&nbsp;9.11. The Plan Administrator shall establish such separate accounts as may be necessary to implement this subsection. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) The Plan Administrator may determine that it is advisable, in order to prevent a violation of the ADP test or the ACP test described in
subsections (a)&nbsp;or (c) above, to include (1)&nbsp;some or all of the qualified nonelective contributions made for the Plan Year for purposes of the tests described in subsection (a)&nbsp;above and (2)&nbsp;some or all of such qualified
nonelective contributions and some or all of the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions made for the Plan Year for purposes of the tests described in subsection (c)&nbsp;above; provided the requirements of the applicable
Treasury Regulations are met. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions may be taken into account under the ACP test
only if one of the ADP tests set forth in Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(k)-2(a)(1)</FONT> is satisfied and would also be satisfied if the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions in
question were included in the ADP test for the applicable testing year. Qualified nonelective contributions cannot be taken into account under this Section&nbsp;3.09 to the extent such contributions are taken into account for purposes of satisfying
any other ADP test, any ACP test, or the requirements of Treasury Regulations Sections <FONT STYLE="white-space:nowrap">1.401(k)-3,</FONT> <FONT STYLE="white-space:nowrap">1.401(m)-3</FONT> or <FONT STYLE="white-space:nowrap">1.401(k)-4.</FONT>
Additional <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions made by reason of Military Service of a Member pursuant to Code Section&nbsp;414(u) shall not be taken into account for purposes of the ADP test for the Plan Year for which the
contributions are made, or for any other year. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.10 MAXIMUM ANNUAL ADDITIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General. </B>The Annual Addition to a Member&#146;s Accounts for any Limitation Year, when added to the Member&#146;s Annual Addition
for that Plan Year under any other Defined Contribution Plan of an Employer or an Affiliate, shall not exceed an amount which is equal to the lesser of (1) 100% of his or her aggregate Testing Compensation for that Plan Year or (2) $57,000 (as
adjusted by the Secretary of the Treasury for increases in the cost of living) in accordance with Code Section&nbsp;415(d). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Correction of Excess Annual Additions. </B>If for any Limitation Year, as a result of
a reasonable error in estimating a Member&#146;s annual Benefit Compensation or earnings (as used in Section&nbsp;3.10, gain or loss, as determined in accordance with regulations prescribed by the Secretary of the Treasury under the provisions of
Code Sections 402(g), 401(k) and 401(m)), or such other facts and circumstances as the Internal Revenue Service will permit, the Annual Addition to a Member&#146;s Accounts, prior to the application of the limitation set forth in subsection
(a)&nbsp;above, exceeds that limitation, the amount of contributions credited to the Member&#146;s Accounts in that Plan Year shall be adjusted to the extent necessary to satisfy that limitation in accordance with the following order of priority:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Any profit-sharing contributions allocated to the Member under Section&nbsp;3.04 shall be forfeited and the amount of
the reduction shall be applied to reduce subsequent contribution obligations of the applicable Employers. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The Enhanced
401(k) Contributions allocated to the Member under Section&nbsp;3.05 shall be forfeited and the amount of the reduction shall be applied to reduce subsequent contribution obligations of the applicable Employers. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The Company Matching Contributions allocated to the Member under Section&nbsp;3.03 shall be forfeited and the amount of the
reduction shall be applied to reduce subsequent contribution obligations of the applicable Employers. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) The
Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Account, as applicable, under Section&nbsp;3.01 shall be reduced and held in a suspense account for the Member and shall be allocated to his or her <FONT
STYLE="white-space:nowrap">Pre-Tax</FONT> Account or Roth Account, as applicable, in the next Plan Year (and succeeding years, as necessary) provided that if a Member&#146;s employment terminates, any amount remaining in the suspense account for his
or her benefit after all permitted allocations to his or her <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account and/or Roth Account, as applicable, have been made shall be forfeited and applied to reduce subsequent contribution obligations of
the applicable Employers. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding Section&nbsp;3.10(b), the correction of any excess Annual Addition shall comply with the
Self-Correction Program of the Employee Plans Compliance Resolutions System (EPCRS) set forth in Revenue Procedure <FONT STYLE="white-space:nowrap">2019-19</FONT> (or superseding guidance). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.11 RETURN OF CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<B>Disallowance of Deductions.</B> If all or part of an Employer&#146;s deductions under Code Section&nbsp;404 for contributions to the Plan are disallowed by the Internal Revenue Service, the portion of the contributions to which that disallowance
applies shall be returned to the Employer without interest but reduced by any investment loss attributable to those contributions. The return shall be made within one year after the disallowance of deduction. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Mistake of Fact. </B>An Employer may recover without interest the amount of its
contributions to the Plan made on account of a mistake of fact, reduced by any investment loss attributable to those contributions, if recovery is made within one year after the date of those contributions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> and Roth Contributions. </B>In the event that
<FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions made under Section&nbsp;3.01 are returned to the Employer in accordance with the provisions of this Section&nbsp;3.10, the elections to reduce Benefit
Compensation which were made by Members on whose behalf those contributions were made shall be void retroactively to the beginning of the period for which those contributions were made. The <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions and Roth Contributions so returned shall be distributed in cash to those Members for whom those contributions were made. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.12
CONTRIBUTIONS NOT CONTINGENT UPON PROFITS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Employers shall make all contributions to the Plan without regard to the existence or
the amount of current and accumulated earnings and profits. Notwithstanding the foregoing, however, this Plan is designed to qualify in part as a &#147;profit-sharing plan&#148; for all purposes of the Code. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.13 LIMITATION BASED ON DEDUCTIBILITY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In no event shall an Employer&#146;s contributions under this Article Ill for any Plan Year exceed the amounts deductible under Code
Section&nbsp;404. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>3.14 TIMING AND FORM OF EMPLOYER CONTRIBUTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) Employer contributions under Sections 3.03(b) and 3.04 shall be paid to the Trustee at such times as the Employer may determine; provided,
however, that all such contributions must be paid to the Trustee no later than the time prescribed by law, including permitted extensions of time, for the filing of the Employer&#146;s federal income tax return for the fiscal year with respect to
which such contributions are made. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Employer contributions made under Sections 3.03 and 3.04 may be paid to the Trustee in cash, in
shares of Company Stock (including authorized but unissued shares), or other property, as determined by CSX in its sole discretion. Any Employer contribution made in Company Stock means the contribution of a number of shares of Company Stock having
equivalent value to any such contribution, provided that, partial shares shall be contributed in cash or other property as determined by CSX in its sole discretion. If and to the extent Employer contributions are made in shares of Company Stock, the
value of such shares shall be determined using the value of Company Stock on the date of contribution based on its closing price on the New York Stock Exchange on such date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IV </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>INVESTMENTS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>4.01 INVESTMENT FUNDS
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Accounts.</B> Except as otherwise specifically provided in this Plan, a Member&#146;s Accounts shall be invested at the
direction of the Member in one or more Investment Funds selected from time to time by the Investment Committee. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Cash Levels.</B>
With respect to Investment Funds as to which the Trustee has investment responsibility, if any, the Trustee may keep such amounts of cash as it, in its sole discretion, shall deem necessary or advisable as part of the Investment Funds, all within
the limitations specified in the Trust Agreement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Earnings. </B>Except as otherwise specifically provided, dividends, interest, and
other distributions received on the Trust Assets held by the Trustee for each of the above Investment Funds shall be reinvested in the respective Investment Fund. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Default Investment Fund. </B>The Investment Committee shall from time to time designate the Investment Funds to be used as a default
fund and under what circumstances such default fund is applicable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Changes. </B>The Investment Committee may add, drop or change
Investment Funds without amending the Plan except with respect to the CSX stock fund which is established as an Investment Fund by CSX. The Plan Administrator shall establish, consistent with this Section&nbsp;4.01, reasonable rules to notify
Members when the Investment Committee decides to add, drop or change an Investment Fund, including the default Investment Funds, pursuant to Section&nbsp;4.01(d). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>4.02 INVESTMENT OF CONTRIBUTIONS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B><FONT
STYLE="white-space:nowrap">Pre-Tax,</FONT> Roth, Profit-Sharing, Enhanced 401(k) Contributions, Company Matching, and Rollover Contributions.</B> A Member may make an investment election (in multiples of 1%) among the Investment Funds with respect
to his or her aggregate current and/or future <FONT STYLE="white-space:nowrap">(1)&nbsp;Pre-Tax</FONT> Contributions, (2)&nbsp;Roth Contributions, (3) profit-sharing contributions, (4)&nbsp;Company QACA and discretionary Matching Contributions, and
(5)&nbsp;Enhanced 401(k) Contributions. In addition, a Member may make a separate investment election (in multiples of 1%) among the Investment Funds with respect to any Rollover Contributions made on the Member&#146;s behalf. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Default Investment Fund.</B> In the event a Member does not make an investment election, or fails to do so in a timely manner, or in any
other circumstance where the Member&#146;s Account balance is not directed, or is not timely directed into an Investment Fund, the Member&#146;s contributions (meaning any source of contributions) under subsection (a)&nbsp;and/or the Member&#146;s
Account balance shall be invested in the then effective default Investment Fund designated by the Investment Committee for the applicable default event. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Administrative Rules.</B> An investment election made under this Section&nbsp;4.02
shall be deemed to continue until a notice of change in an approved form is received by the Plan Administrator or his or her delegate. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>4.03 MEMBER
DIRECTED INVESTMENTS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Each Member is solely responsible for the selection of his or her investment options. </B>The Trustee, the
Plan Administrator, the Investment Committee, the Employer, and the officers, supervisors and other employees of an Employer are not empowered to advise a Member as to the manner in which his or her Accounts should be invested. The fact that an
Investment Fund is available to Members for investment under the Plan shall not be construed as a recommendation for investment in that Investment Fund. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>General. </B>Each Member shall have the opportunity to direct the investment of his or her Accounts, in accordance with this Section.
The provisions of this Section are intended to satisfy the requirements of ERISA Section&nbsp;404(c) and the regulations promulgated thereunder. Under the terms of this Section, each Member will have a reasonable opportunity to give investment
instructions to the Plan Administrator or his or her delegate. The Plan Administrator or his or her delegate is obligated to comply with such instructions except as provided in subsection (f)&nbsp;below, provided that the instructions are in
accordance with the procedures established by the Plan Administrator governing investment elections. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Fiduciary Duty. </B>A Member
who directs the investment of his or her Accounts in accordance with this Section shall not be deemed to be a fiduciary of the Plan (as defined in ERISA Section&nbsp;3(21)). In addition, no fiduciary with respect to the Plan shall be liable for any
breach of Title I of ERISA as a result of following a Member&#146;s investment direction. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B>(d) Change of Election. </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Changes Regarding Future Contributions</U>. A Member may change his or her investment election under Section&nbsp;4.02
as desired. To change an investment election, a Member must give notice in a manner prescribed by the Plan Administrator. The changed election shall become effective as soon as administratively feasible and shall be effective only with respect to
subsequent contributions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Reallocations</U>. As of any Valuation Date, a Member may, in addition to the election
under paragraph (1), elect to liquidate and reallocate all or part of his or her Accounts (in multiples of 1%) among the Investment Funds. A Member may effect a reallocation in any manner prescribed by the Plan Administrator. Reallocations shall be
based on the value of the Member&#146;s Accounts invested in the applicable Investment Fund as of the Valuation Date coincident with or immediately preceding the date all or part of his or her interest is liquidated and, if later, the Valuation Date
coincident with or immediately preceding the date amounts are reinvested upon settlement of accounts. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">36 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Investment Restrictions</U>. The Investment Committee may, from time
to time, in its sole discretion, impose restrictions on the number or timing of the transactions provided for under (a)&nbsp;above, impose suspension periods or transaction fees deemed appropriate to eliminate or discourage market timing or other
trading practices deemed to have or which may have an adverse impact on other Members or otherwise violate, or possibly violate, the law or the policies of an Investment Fund available under the Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>Limitations Imposed by Contracts</U>. Notwithstanding anything in this Article IV to the contrary, any contributions or
Accounts invested in any Investment Fund shall be subject to any and all terms or conditions relating to investments in any such Investment Fund, including any limitations placed on the exercise of any rights otherwise granted to a Member under any
other provision of this Plan with respect to such contributions or Accounts. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Investment Information.</B> The Plan Administrator
shall provide or cause to be provided to Members timely and sufficient information concerning the Investment Funds and related expenses to permit them to make informed investment decisions and to comply with applicable law. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Member Direction Declined. </B>The Trustee may decline to follow any Member direction under this Section&nbsp;4.03 that, if implemented
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) would not be in accordance with the documents and instruments governing the Plan, insofar as such documents are
consistent with Title I of ERISA; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) would cause the Trustee to maintain an indicia of ownership of any asset of the Plan
outside the jurisdiction of the district courts other than as permitted by ERISA Section&nbsp;404(b); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) would jeopardize
the Plan&#146;s <FONT STYLE="white-space:nowrap">tax-qualified</FONT> status under Code Section 401(a); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) would result
in a direct or indirect: (A)&nbsp;sale, exchange or lease of property between the Company and the Plan (other than a purchase or sale of Company Stock that satisfies subsection (h)&nbsp;below); (B) loan to CSX or an Affiliate; (C) acquisition or
sale of any employer real property; or (D)&nbsp;acquisition or sale of any employer security (as defined in ERISA Section&nbsp;407(d)(1)) except to the extent that the acquisition of such security satisfies subsection (h)&nbsp;below; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) would result in a prohibited transaction described in ERISA Section&nbsp;406 or Code Section&nbsp;4975; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) would result in a loss in excess of the Member&#146;s Account balance; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) would generate income that would be taxable to the Plan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">37 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">This section shall not apply to the extent it would cause a violation of Code
Section&nbsp;401(a)(28). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>Investments After Member&#146;s Death.</B> If a Member severs from employment as a result of death, the
Trustee shall, to the extent consistent with its fiduciary duties under ERISA Section&nbsp;404(c), invest any amounts remaining in the Member&#146;s Accounts among the various Investment Funds in accordance with the Member&#146;s instructions in
effect on the date of his or her death or pursuant to a Beneficiary&#146;s direction until such time as the Member&#146;s Account may be distributed to his or her Beneficiary pursuant to Section&nbsp;9.03. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <B>Company Stock.</B> Company Stock shall be offered to Members as an Investment Fund. A Member may direct all or a portion of his or her
Accounts in Company Stock provided that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Company Stock is a qualifying employer security as defined in ERISA
Section&nbsp;407(d)(3); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Company Stock is traded on a national securities exchange or other securities market; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) Company Stock is traded with sufficient frequency and in sufficient volume to assure that Member&#146;s directions to buy
or sell the security may be acted upon promptly and efficiently; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the same information provided to shareholders of
Company Stock is provided to Members who invest in such Company Stock; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) voting, tender and similar rights with respect
to Company Stock are passed through to Members and voted or tender by the Trustee in accordance with Sections 11.06 and 11.07 and ERISA; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) information relating to the purchase, holding, and sale of Company Stock and the exercise of voting, tender and similar
rights with respect to such securities by Members is maintained in accordance with procedures designed to safeguard the confidentiality of such information, except to the extent necessary to comply with Federal laws or state laws not preempted by
ERISA; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) the Investment Committee designates a fiduciary who is responsible for ensuring (A)&nbsp;the procedures
required in paragraph (6)&nbsp;above are sufficient to safeguard the confidentiality of the information described in that paragraph; (B) such procedures are being followed; and (C)&nbsp;an independent fiduciary (who is not affiliated with an
Employer) is designated or appointed to carry out activities relating to any situation which the fiduciary designated for purposes of this paragraph determines involve a potential for undue influence upon Members by any Employer with regard to the
direct or indirect exercise of shareholder rights. Absent the designation of a fiduciary in accordance with this subsection on or before the prescribed date, the Investment Committee is designated as the
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">38 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
fiduciary and shall continue as such, until it appoints a successor. The Investment Committee shall retain the right to appoint and remove both the fiduciary required by this subsection
(7)&nbsp;and any independent fiduciary appointed pursuant to subsection (7)(iii). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">39 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE V </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VALUATION OF THE ACCOUNTS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5.01
VALUATION </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Trustee shall value the Investment Funds on each business day of the Plan Year that the New York Stock Exchange or its
successor is open. On each Valuation Date there shall be allocated to the Accounts of each Member his or her proportionate share of the increase or decrease in the fair market value of his or her Accounts in each of the Investment Funds. Whenever an
event requires a determination of the value of the Member&#146;s Accounts, the value shall be computed as of the Valuation Date coincident with or immediately preceding such event, subject to the provisions of Section&nbsp;5.02. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5.02 DISCRETIONARY POWER OF THE PLAN ADMINISTRATOR </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan Administrator reserves the right to change from time to time the procedures used in valuing the Accounts or crediting (or debiting)
the Accounts, or to change the Valuation Date used to determine the value of a Member&#146;s Account in order to effect a distribution if it feels, after due deliberation, that such an action is justified in that it results in a more accurate
reflection of the fair market value of Trust Assets. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5.03 STATEMENT OF ACCOUNTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">At least once each calendar quarter, the Plan Administrator shall furnish or cause to be made available a benefit statement to each Member or
Beneficiary who has the right to direct the investment of his or her Accounts pursuant to Section&nbsp;4.03. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>5.04 ALLOCATION OF NET INCOME (OR LOSS)
OF THE TRUST </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The net income (or loss) attributable to Trust Assets shall be determined as of each Valuation Date. The Investment
Committee shall adopt such rules and procedures so as to insure that each Member&#146;s allocable share of the Trust&#146;s net income (or loss) attributable to each Investment Fund will be allocated to his or her Account in a fair and equitable
manner and in a proportion which reflects the return on each such Investment Fund in which his or her Account is then invested, net of distributions since the previous Valuation Date. The net income (or loss) attributable to each Investment Fund
includes the increase (or decrease) in the fair market value of such Investment Fund, including interest, dividends and other income (or loss) or expenses attributable to the Investment Fund, since the last preceding Valuation Date. All valuations,
including the annual valuation of each Investment Fund held as Trust Assets shall be made at fair market value. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">40 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VI </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>VESTED PORTION OF ACCOUNTS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6.01
VESTING </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) A Member always shall be 100% vested in his or her Company Match Account, Profit-Sharing Account, <FONT
STYLE="white-space:nowrap">After-Tax</FONT> Account, <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account, Rollover Account, and QACA Match Account. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) A Member shall become vested in his or her Enhanced 401(k) Contributions Account in accordance with the following schedule: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="81%"></TD>

<TD VALIGN="bottom" WIDTH="16%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Times New Roman; ">Years of Service</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000">Vested&nbsp;Percentage</TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">Less than 3</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Times New Roman; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Times New Roman">3 or more</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding the foregoing, a Member shall be 100% vested in his or her Enhanced 401(k) Contributions
Account upon the occurrence of his or her Retirement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6.02 DISPOSITION OF FORFEITURES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) In the event that a Member terminates employment and is less than 100% vested in his or her Enhanced 401(k) Contribution Account, the
amount in which he or she is not vested shall be forfeited upon the earlier of the occurrence of a Break in Service of five years or the distribution of his or her entire vested Account, and such forfeiture shall be used for the purposes of
restoring previously forfeited amounts in accordance with Section&nbsp;6.02, and shall next be used by the Employer to reduce such future Enhanced 401(k) Contributions. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) If a former Member is reemployed prior to the date on which he or she incurs a Break in Service of five years or more, amounts forfeited
due to his or her prior termination of employment shall be restored to his or her Accounts as of his or her rehire date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) The amount of
Enhanced 401(k) Contributions, if any, which are restored will be derived from amounts forfeited and not yet applied to reduce future Enhanced 401(k) Contributions and, if such amounts are not sufficient to make a full restoration, the Employer
shall make an additional contribution in the amount necessary to complete the restoration. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>6.03 REINSTATEMENT OF YEARS OF PARTICIPATION AND SERVICE
UPON REEMPLOYMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of determining a Member&#146;s nonforfeitable right to amounts credited to his Accounts after he or she
is rehired, a Member shall receive credit for all years of Service credited to him or her prior to his or her termination, in addition to any years of Service with which he or she is credited subsequent to his or her reemployment. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">41 </P>

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<Center><DIV STYLE="width:8.5in" align="left">
 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>WITHDRAWALS WHILE STILL EMPLOYED </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.01 <FONT
STYLE="white-space:nowrap">IN-SERVICE</FONT> WITHDRAWALS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B><FONT STYLE="white-space:nowrap">Pre-Age</FONT> 59<SUP
STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> Withdrawals.</B> A Member who has not attained age 59<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> and whose employment
with the Employer has not terminated may elect to make withdrawals from his or her Accounts identified below in the following order: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <B><FONT STYLE="white-space:nowrap">After-Tax</FONT> Account.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) <U><FONT STYLE="white-space:nowrap">Pre-1987</FONT></U>. All or part of the Member&#146;s
<FONT STYLE="white-space:nowrap">pre-1987</FONT> <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions, excluding earnings thereon; then </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) <U>Post-1986</U>. All or part of the Member&#146;s post-1986 <FONT STYLE="white-space:nowrap">After-Tax</FONT>
Contributions, including earnings thereon but excluding matched <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions made after 1988 and earnings thereon (or, in the case of an Employee who was a member of the <FONT
STYLE="white-space:nowrap">Sea-Land</FONT> Plan on December&nbsp;31, 1988, after June&nbsp;30, 1989); then </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) <U><FONT
STYLE="white-space:nowrap">Pre-1987</FONT> Earnings</U>. A Member who has withdrawn the total amount available under the preceding provisions of this Section&nbsp;7.01(a)(1) may elect to withdraw all or part of the earnings on his or her <FONT
STYLE="white-space:nowrap">pre-1987</FONT> <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions described in Section&nbsp;7.01(a)(1)(A). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <B>Roth Rollover Contributions.</B> All or part of the Member&#146;s Roth Rollover Account. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <B><FONT STYLE="white-space:nowrap">Non-Roth</FONT> Rollover Contributions.</B> All or part of the Member&#146;s <FONT
STYLE="white-space:nowrap">non-Roth</FONT> Rollover Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <B>Certain Profit-Sharing Contributions.</B> All or part
of the Member&#146;s Profit- Sharing Account, if any, pertaining to contributions that have been on deposit at least twenty-four (24)&nbsp;months; provided that, a Member who has been a Member for at least sixty (60)&nbsp;months may also make such a
withdrawal without regard to the twenty-four (24)&nbsp;month requirement. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) <B>Certain Company Match Accounts. </B>In
the case of (A)&nbsp;a former Member of the American Commercial Lines, Inc. Thrift Plan, (B)&nbsp;a former Member employed by Customized Transportation, Inc., or (C)&nbsp;a former Member of the <FONT STYLE="white-space:nowrap">Sea-Land</FONT> Plan,
the Member&#146;s <FONT STYLE="white-space:nowrap">pre-1994</FONT> Company Match Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b)
<B><FONT STYLE="white-space:nowrap">Post-Age</FONT> 59<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> Withdrawals. </B>A Member who has attained age 59<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB
STYLE="vertical-align:bottom">2</SUB> and whose employment with the Employer has not terminated may elect to withdraw all or part of the Member&#146;s Accounts identified below in the following order: </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">42 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <B><FONT STYLE="white-space:nowrap">After-Tax</FONT> Account.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) <U><FONT STYLE="white-space:nowrap">Pre-1987</FONT></U>. All or part of the Member&#146;s
<FONT STYLE="white-space:nowrap">pre-1987</FONT> <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions, excluding earnings thereon; then </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) <U>Post-1986</U>. All or part of the Member&#146;s post-1986 <FONT STYLE="white-space:nowrap">After-Tax</FONT>
Contributions, including earnings thereon but excluding matched <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions made after 1988 and earnings thereon (or, in the case of an Employee who was a member of the <FONT
STYLE="white-space:nowrap">Sea-Land</FONT> Plan on December&nbsp;31, 1988, after June&nbsp;30, 1989); then </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C)
<U>Post-1988 Matched <FONT STYLE="white-space:nowrap">After-Tax</FONT></U>. The Member&#146;s remaining matched <FONT STYLE="white-space:nowrap">After-Tax</FONT> Account; then </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(D) <U><FONT STYLE="white-space:nowrap">Pre-1987</FONT> Earnings</U>. A Member who has withdrawn the total amount available
under the preceding provisions of this Section&nbsp;7.01(b)(1) may elect to withdraw all or part of the earnings on his or her <FONT STYLE="white-space:nowrap">pre-1987</FONT> <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions described
in Section&nbsp;7.01(b)(1)(A). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <B>Roth Rollover Contributions Account.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <B><FONT STYLE="white-space:nowrap">Non-Roth</FONT> Rollover Contributions Account.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <B>Profit-Sharing Contributions. </B>The Member&#146;s Profit-Sharing Account, if any. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) <B>Enhanced 401(k) Contributions.</B> The Member&#146;s Enhanced 401(k) Contribution Account, if any. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) <B>Certain Company Match Accounts.</B> In the case of (A)&nbsp;a former Member of the American Commercial Lines, Inc.
Thrift Plan, (B)&nbsp;a former Member employed by Customized Transportation, Inc., or (C)&nbsp;a former Member of the <FONT STYLE="white-space:nowrap">Sea-Land</FONT> Plan, the Member&#146;s <FONT STYLE="white-space:nowrap">pre-1994</FONT> Company
Match Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) <B>Roth Account.</B> Roth Account but subject to the restrictions in Section&nbsp;9.11(a). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8) <B><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account. </B><FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account but
subject to the restrictions in Section&nbsp;9.11(a). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(9) <B>Other Company Match Accounts.</B> Other Company Match Account
but subject to the restrictions in Section&nbsp;9.11(a). </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.02 HARDSHIP WITHDRAWAL </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Application for Hardship Withdrawal. </B>A Member may apply for a hardship withdrawal from his or her Accounts at any time if he or she
has received all available loans under plans sponsored by the Employer and Affiliates and has withdrawn the total amount available for withdrawal under Section&nbsp;7.01; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">43 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Determination of Hardship. </B>A Member must (i)&nbsp;file a request in a manner
prescribed by the Plan Administrator in order to receive a withdrawal on account of hardship, (ii)&nbsp;furnish proof that the Member has an immediate and heavy financial need in accordance with Section&nbsp;7.02(d) and that the hardship withdrawal
is necessary to meet the financial need in accordance with Section&nbsp;7.02(e), and (iii)&nbsp;submit such other supporting documentation as may be required under rules prescribed by the Plan Administrator. The Plan Administrator or its delegate,
in its sole discretion and using uniform and nondiscriminatory rules, shall determine whether a withdrawal is allowable on account of hardship. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) With respect to hardship withdrawals taken prior to January&nbsp;1, 2020, the Plan Administrator may rely upon the
Member&#146;s certification to determine that the requested withdrawal is necessary to meet the Member&#146;s financial need, unless the Plan Administrator has actual knowledge to the contrary. This determination shall be made by the Plan
Administrator, or the Plan Administrator&#146;s delegate, on the basis of the relevant facts and circumstances. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) With
respect to hardship withdrawals taken on or after January&nbsp;1, 2020, the Plan Administrator or its delegate shall rely upon the Member&#146;s certification in writing (including by using an electronic medium) that the Member has insufficient cash
or other liquid assets reasonably available to satisfy the need, unless the Plan Administrator or its delegate has actual knowledge to the contrary. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Amount of Hardship Withdrawal.</B> The amount of a hardship withdrawal cannot exceed the amount reasonably necessary to meet the
immediate and heavy financial need of the Member. The amount may include any amounts necessary to pay any federal, state, or local income taxes or penalties imposed by applicable law on the Member because of such withdrawal which may be reasonably
anticipated to result from the distribution. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Proof of an Immediate and Heavy Financial Need. </B>A Member shall be considered to
have incurred a proven immediate and heavy financial need if, and only if, the Member documents to the Plan Administrator or his or her delegate that the requested withdrawal is necessary to satisfy the financial need described in this
Section&nbsp;7.02(d). The need must be the result of one or more of the following reasons: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) costs directly related to
the purchase of a principal residence for the Member (excluding mortgage payments); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) expenses for medical care
described in Code Section&nbsp;213(d) previously incurred by the Member, his or her Spouse, any of his or her dependents (as defined in Code Section&nbsp;152, without regard to Code Sections 152(b)(1), (b)(2) and (d)(1)(B)), or, for hardship
withdrawals taken on or after January&nbsp;1, 2019, the Member&#146;s primary Beneficiary, or necessary for these persons to obtain medical care described in Code Section&nbsp;213(d) (determined without regard to whether the expenses exceed
7.5&nbsp;percent of the Member&#146;s adjusted gross income); </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">44 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) payment of burial or funeral expenses associated with the death of the
Member&#146;s parents, spouse, children, or dependents (as defined in Code Section&nbsp;152 without regard to Code Section&nbsp;152(d)(1)(B)), or, for hardship withdrawals taken on or after January&nbsp;1, 2019, for a deceased primary Beneficiary;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) the payment of expenses relating to the Member&#146;s principal residence (preservation or renovation); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) satisfaction of tax liens or defaulted loans; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) payment of unpaid child support or alimony/maintenance obligations; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) payment of expenses relating to (A)&nbsp;adoption or (B)&nbsp;placement of a relative in an extended care facility; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8) reimbursement for the loss of, or payment for the restoration of, a significant asset of the Member destroyed by natural
disaster or casualty; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(9) payments necessary to prevent the foreclosure on or eviction from the Member&#146;s primary
residence; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(10) payments of tuition, related educational fees, and room and board expenses for the next 12 months of
post-secondary education for the Member, his or her spouse, children or dependents (as defined in subparagraph (2)&nbsp;above), or, for hardship withdrawals taken on or after January&nbsp;1, 2019, for the Member&#146;s primary Beneficiary; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(11) for hardship withdrawals taken on or after January&nbsp;1, 2019, payment of expenses and recompense for losses (including
loss of income) incurred by the Member on account of a disaster declared by the Federal Emergency Management Agency (FEMA) under the Robert T. Stafford Disaster Relief and Emergency Assistance Act, provided that the Member&#146;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. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Withdrawal Deemed Necessary to Meet Financial Need. </B>The requested hardship withdrawal shall be deemed necessary to meet the
financial need described in Section&nbsp;7.02(d) if: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) with respect to hardship withdrawals taken prior to
January&nbsp;1, 2020, the Member certifies to the Plan Administrator or its delegate, in such manner as may be prescribed by the Plan Administrator, that the Member has obtained, requested or elected all currently available distributions (including
dividends payable on Company Stock in a Member&#146;s Accounts with respect to record dates falling on or after the effective date of the hardship withdrawal and payable in time to resolve the hardship event), other than hardship distributions or
loans, currently available under all plans of the Employers and Affiliates; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">45 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) prior to January&nbsp;1, 2019, the Plan and all other plans of the
Employers and Affiliates must provide that the Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax,</FONT> <FONT STYLE="white-space:nowrap">After-tax</FONT> and Roth Contributions will be suspended for 6 months from the effective date of the
withdrawal. At the end of the <FONT STYLE="white-space:nowrap">6-month</FONT> suspension, the Member may elect to <FONT STYLE="white-space:nowrap">re-enroll</FONT> in the Plan pursuant to Section&nbsp;3.02(a); and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) with respect to hardship withdrawals taken on or after January&nbsp;1, 2020, the Member has obtained, requested or elected
all currently available distributions (including dividends payable on Company Stock in a Member&#146;s Accounts with respect to record dates falling on or after the effective date of the hardship withdrawal and payable in time to resolve the
hardship event), other than hardship distributions or loans, currently available under all plans of the Employers and Affiliates. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f)
<B>Order of Withdrawal.</B> If a withdrawal is on account of hardship, the hardship withdrawal amounts, not to exceed the amount set forth in Section&nbsp;7.02(c), shall be withdrawn from the Member&#146;s Account in the order set forth in
Section&nbsp;7.01(b); provided that post-1988 earnings on a Member&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Account may not be withdrawn as a hardship distribution. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>Definition of &#147;Plans of the Employers and Affiliates.&#148; </B>For purposes of Sections 7.02(a) and 7.02(e)(1), the phrase
&#147;plans of the Employer and Affiliates&#148; means all qualified and nonqualified plans of deferred compensation maintained by an Employer or Affiliate, including a cash or deferred arrangement that is part of a cafeteria plan within the meaning
of Code Section&nbsp;125, and excluding the mandatory employee contribution portion of a defined benefit plan or a health or welfare benefit plan (including one that is part of a cafeteria plan). In addition, for purposes of Section&nbsp;7.02(e)(2),
the phrase also includes a stock option, stock purchase, or similar plan maintained by such entities. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h) <B>Hurricane Relief.</B>
Notwithstanding anything in this Section&nbsp;7.02 to the contrary, effective August&nbsp;23, 2017, Qualified Individuals may designate all or a portion of a qualifying distribution as a Qualified Hurricane Distribution . </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <B>Qualified Hurricane Distribution.</B> A &#147;Qualified Hurricane Distribution&#148; means any distribution made on or
after the applicable Qualified Hurricane Distribution Effective Date and before January&nbsp;1, 2019 to a Qualified Individual, to the extent that such distribution, when aggregated with all other Qualified Hurricane Distributions to the Qualified
Individual (including the aggregate amount of such distributions from all plans maintained by the Employer and any Affiliate) does not exceed $100,000. A Qualified Hurricane Distribution must be made in accordance with the distribution provisions of
the Plan, except that a Qualified Hurricane Distribution of amounts attributable to <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions, Roth Contributions, <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions, and qualified <FONT
STYLE="white-space:nowrap">non-elective</FONT> contributions shall be deemed to be made after the occurrence of any distributable events otherwise applicable under Code Section&nbsp;401(k)(2)(B)(i). The requirements of Code Sections 401(a)(31),
402(f), and 3405 shall not apply. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">46 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <B>Qualified Individual.</B> A &#147;Qualified Individual&#148; is a
Qualified Hurricane Harvey Individual, a Qualified Hurricane Irma Individual, or a Qualified Hurricane Maria Individual. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) A &#147;Qualified Hurricane Harvey Individual&#148; is a Member whose principal residence on August&nbsp;23, 2017 is
located in the Hurricane Harvey disaster area (declared by the President before September&nbsp;21, 2017, under Section&nbsp;401 of the Disaster Tax Relief and Airport and Airway Extension Act of 2017, by reason of Hurricane Harvey) and who has
sustained an economic loss by reason of Hurricane Harvey. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) A &#147;Qualified Hurricane Irma Individual&#148; is a
Member (other than a Qualified Hurricane Harvey Individual) whose principal residence on September&nbsp;4, 2017 is located in the Hurricane Irma disaster area (declared by the President before September&nbsp;21, 2017, under Section&nbsp;401 of the
Disaster Tax Relief and Airport and Airway Extension Act of 2017, by reason of Hurricane Irma) and who has sustained an economic loss by reason of Hurricane Irma. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) A &#147;Qualified Hurricane Maria Individual&#148; is a Member (other than a Qualified Hurricane Harvey Individual or a
Qualified Hurricane Irma Individual) whose principal residence on September&nbsp;16, 2017, is located in the Hurricane Maria disaster area (declared by the President before September&nbsp;21, 2017, under Section&nbsp;401 of the Disaster Tax Relief
and Airport and Airway Extension Act of 2017, by reason of Hurricane Maria) and who has sustained an economic loss by reason of Hurricane Maria. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <B>Qualified Hurricane Distribution Effective Date.</B> The &#147;Qualified Hurricane Distribution Effective Date&#148; is:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) August&nbsp;23, 2017, for a Qualified Hurricane Harvey Individual. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) September&nbsp;4, 2017, for a Qualified Hurricane Irma Individual. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) September 16, 2017, for a Qualified Hurricane Maria Individual. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) A Qualified Hurricane Distribution may be repaid to the Plan within three years of the date the Qualified Individual
receives the Qualified Hurricane Distribution. The distribution to a Qualified Individual who receives a Qualified Hurricane Distribution that the Qualified Individual repays within three years of the date of distribution shall be treated as an
eligible rollover distribution, and the repayment to the Plan shall be treated as a direct trustee to trustee transfer within 60 days of the distribution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">47 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) If a Member received a hardship withdrawal to construct or purchase a
principal residence in the Hurricane Harvey disaster area, the Hurricane Irma disaster area, or the Hurricane Maria disaster area (declared by the President before September&nbsp;21, 2017, under Section&nbsp;401 of the Disaster Tax Relief and
Airport and Airway Extension Act of 2017) between February&nbsp;28, 2017 and September&nbsp;21, 2017 but does not construct or purchase a principal residence on account of Hurricane Harvey, Hurricane Irma, or Hurricane Maria, the Member may
recontribute the distributed amount to Plan from August&nbsp;23, 2017 to February&nbsp;28, 2018. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.03 PROCEDURES AND RESTRICTIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Restrictions.</B> A Member shall not be permitted to make a withdrawal under this Article unless such Member is employed by an Employer
or an Affiliate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Procedures. </B>To make a withdrawal, a Member shall give prior notice to the Plan Administrator or its delegate,
during such period and in such manner as the Plan Administrator may prescribe. A withdrawal shall be effective as of the Valuation Date on which timely notice is given, or on which the withdrawal is approved. Not more than two withdrawals under
Section&nbsp;7.01 may be made in any calendar year. The minimum withdrawal permitted at any time shall be $250 or, if less, the total value of the Member&#146;s Accounts available for a withdrawal. The amount of the withdrawal shall be allocated
between and among the Investment Funds in proportion to the value of the Member&#146;s Accounts from which the withdrawal is made as of the date of the withdrawal. All payments to Members under this Article shall be made in cash as soon as
practicable after the effective date of the withdrawal. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.04 NO REPLACEMENT </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman"><B></B>A Member may not replace any amounts withdrawn under Sections 7.01 or 7.02<B>.</B> </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>7.05 DIVIDENDS ON COMPANY STOCK </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any
dividends paid with respect to shares of Company Stock, allocated to Members&#146; Accounts, shall be paid or invested pursuant to the Member&#146;s election for such Plan Year in accordance with uniform and nondiscriminatory procedures established
by the Plan Administrator, under one of the following methods: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) paid by or on behalf of the Employer in cash to the Member or his or
her Beneficiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) paid by the Employer to the Plan and distributed by the Trustee (or its agent) to the Member no later than 90 days
after the end of the Plan Year in which paid to the Trustees; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) paid by the Employer to the applicable Member&#146;s Account under
the Plan and reinvested in Company Stock through the CSX stock fund. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">48 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">A Member who does not make a timely election to receive the payment of dividends with
respect to shares of Company Stock allocated to his or her Accounts shall be deemed to have elected to have dividends paid by the Employer reinvested in shares of Company Stock through the CSX stock fund and allocated to the Member&#146;s Accounts.
Such election shall remain in effect until affirmatively changed by the Member. Any change in an election shall apply only to <FONT STYLE="white-space:nowrap">ex-dividend</FONT> dates occurring after the date such election is received. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Dividends on Company Stock represented by shares or units in the CSX stock fund and credited to a Member&#146;s Accounts that a Member has
elected to receive shall be paid quarterly, but in no event no later than ninety (90)&nbsp;days following the end of the Plan Year to which they relate. Such distributions shall be made on a date or dates selected by the Plan Administrator. Actual
distributions shall include only the dividends and not any earnings or appreciation thereon, and, in the case of a decline in value where dividends are invested in Company Stock pending distribution, shall not exceed the value of the shares of
Company Stock or units of the CSX stock fund at the time of the distribution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">49 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE VIII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>LOANS TO MEMBERS </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>8.01</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>LOANS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The Plan Administrator shall establish a Member loan program in accordance with ERISA Section&nbsp;408(b)(1) and Treasury Regulations <FONT
STYLE="white-space:nowrap">Section&nbsp;1.72(p)-1,</FONT> with such uniform and nondiscriminatory rules and procedures as the Plan Administrator deems necessary or appropriate. Such loan program shall be set forth in the Plan&#146;s Summary Plan
Description or a Summary of Material Modifications and shall be deemed a part of the Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding paragraph (a)&nbsp;above,
effective as of August&nbsp;23, 2017: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The principal amount of a loan made during the period: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) August&nbsp;23, 2017 to December&nbsp;31, 2018 to a Qualified Hurricane Harvey Individual (as defined in
Section&nbsp;7.02(h)((2)(A)); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) September&nbsp;4, 2017 to December&nbsp;31, 2018 to a Qualified Hurricane Irma
Individual (as defined in Section&nbsp;7.02(h)(2)(B)); or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) September&nbsp;16, 2017 to December&nbsp;31, 2018 to a
Qualified Hurricane Maria Individual (as defined in Section&nbsp;7.02(h)(2)(C)); </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">cannot exceed the maximum loan amount set forth in
Section&nbsp;8.01(b)(2). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The maximum loan amount applicable to Section&nbsp;8.01(b)(1) is the lesser of: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) $100,000, reduced by the excess (if any) of (i)&nbsp;the Qualified Individual&#146;s highest outstanding balance of loans
from the Plan and any other qualified plan maintained by the Employer or an Affiliate during the <FONT STYLE="white-space:nowrap">one-year</FONT> period ending on the date before the date on which the loan is made, over (ii)&nbsp;the outstanding
balance of all loans from the Plan and any other qualified plan maintained by the Employer or an Affiliate on the date on which the loan from the Plan is made; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) 100&nbsp;percent of the of the Member&#146;s vested interest in the Member&#146;s Account under the Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) If a Qualified Individual (as defined in Section&nbsp;7.02(h)(2)) has a loan repayment due date during the period: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) August&nbsp;23, 2017 to December&nbsp;31, 2018, for a Qualified Hurricane Harvey Individual; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">50 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) September&nbsp;4, 2017 to December&nbsp;31, 2018, for a Qualified
Hurricane Irma Individual; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) September&nbsp;16, 2017 to December&nbsp;31, 2018, for a Qualified Hurricane Maria
Individual; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; font-size:10pt; font-family:Times New Roman">such loan repayment due date shall be delayed for one year; provided that the loan shall be
<FONT STYLE="white-space:nowrap">re-amortized</FONT> to reflect the delay in the due date and any interest accruing during such delay, and the period that loan repayments are not due is disregarded for purposes of determining the five year maximum
period for <FONT STYLE="white-space:nowrap">non-principal</FONT> residence loans. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Notwithstanding paragraph (a)&nbsp;above, effective
January&nbsp;1, 2020, a Member is ineligible for a loan if less than 30 days have elapsed since the Member fully repaid a loan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">51 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE IX </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>DISTRIBUTION OF ACCOUNTS UPON SEVERANCE FROM EMPLOYMENT </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.01</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>DISTRIBUTION COMMENCEMENT EVENTS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Severance from Employment. </B>Upon a Member&#146;s severance from employment, such Member&#146;s Accounts shall be distributed as
provided in this Article. A severance of the Employer-Employee relationship occurs when an Employee ceases to be an employee of both the Employer maintaining the Plan and any Affiliates. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Disability.</B> If a Member becomes Disabled his Accounts may be distributed upon such Member&#146;s election as provided in this
Article IX. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B><FONT STYLE="white-space:nowrap">Non-Severance</FONT> Events.</B> A severance from employment does not occur when a
Member (1)&nbsp;remains in the employ of an Employer but ceases to be an Employee, (2) transfers to a different Employer or to an Affiliate whether or not such Member retains the status of Employee or (3)&nbsp;changes status from a common law
employee to a Leased Employee unless the safe harbor requirements described in Code Section&nbsp;414(n)(5) are met. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Elections to
Commence and Distributions Consent. </B>If, as of the applicable Valuation Date, the value of a Member&#146;s Accounts exceeds $5,000 in the aggregate, the Member&#146;s Account shall be distributed in the form affirmatively elected by the Member
and in a manner prescribed by the Plan Administrator. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.02</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>FORMS OF DISTRIBUTION </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The normal form of distribution for a Member is a lump sum payment. Alternatively, a Member may elect, in a manner prescribed by the Plan
Administrator, to receive a distribution in a form described below at any time prior to such Member&#146;s Required Beginning Date: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a)
<U><FONT STYLE="white-space:nowrap">Lump-sum</FONT> payment</U>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <U>Monthly installment payments</U>. Subject to the limitations in
Section&nbsp;9.07(b), a Member may elect for installments to be paid for any duration. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <U>Partial Distribution</U>. A Member may elect
no more than four partial distributions per year and each partial distribution must be for $250 or more. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">Subject to the involuntary <FONT
STYLE="white-space:nowrap">cash-out</FONT> provisions in Section&nbsp;9.05, a Member who has severed from employment from the Employer or its Affiliates may elect to commence a distribution pursuant to this Section&nbsp;9.02 at any time prior to
such Member&#146;s Required Beginning Date. In the absence of an election, the Member shall be deemed to have elected to defer the commencement of any distribution of such Member&#146;s Accounts until his or her Required Beginning Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">52 </P>

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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.03</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>PAYMENTS UPON MEMBER&#146;S DEATH </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Death of Member Before Payments Begin.</B> If a Member dies before his or her benefits commence, such Member&#146;s Accounts shall be
paid: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) to the Member&#146;s Spouse (whether designated or deemed to be designated by the Member) in a form permitted
under Section&nbsp;9.02 in accordance with the Spouse&#146;s election, or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) to his Beneficiary (whether designated or
deemed to be designated by the Member) in a lump sum. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Death of Member While Installment Payments Being Made.</B> If a Member dies
after the distribution of installment payments have begun, the remaining installments shall be: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) continued to a
Beneficiary who is a Surviving Spouse, unless such Surviving Spouse elects in a manner prescribed by the Plan Administrator to receive the balance of the Member&#146;s Accounts in a <FONT STYLE="white-space:nowrap">lump-sum</FONT> payment; or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) paid to any other Beneficiary (whether designated or deemed to be designated by the Member) in a single <FONT
STYLE="white-space:nowrap">lump-sum</FONT> payment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Timing of Death Benefit Payment to Spouse,
<FONT STYLE="white-space:nowrap">Non-Spouse</FONT> Beneficiary or Estate.</B> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Spouse</U>. Subject to
Section&nbsp;9.09(b)(2), if a Member&#146;s designated Beneficiary is his or her Spouse, benefit payments need not begin until the date the Member would have reached age 70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB
STYLE="vertical-align:bottom">2</SUB> and, if the Spouse dies before such payments begin, the balance of the Member&#146;s Accounts shall be distributed pursuant to this Section&nbsp;9.03 as if the Spouse were the Member. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U><FONT STYLE="white-space:nowrap">Non-Spouse</FONT> Beneficiary</U>. The <FONT STYLE="white-space:nowrap">lump-sum</FONT>
payment to a <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary shall be made as soon as administratively practicable after the Valuation Date coincident with or next following receipt by the Plan Administrator of the Beneficiary&#146;s
election made within <FONT STYLE="white-space:nowrap">sixty-one</FONT> (61)&nbsp;days as set forth in Section&nbsp;9.03(e). A <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary may elect to defer a
<FONT STYLE="white-space:nowrap">lump-sum</FONT> distribution until the January&nbsp;1 following the Member&#146;s date of death (or to such later date permitted by Section&nbsp;9.09(f)). In such event, the distribution shall be made as soon as
administratively practicable following such January&nbsp;1 date next following the Member&#146;s death. In all events, a <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary shall receive a lump sum payment equal to the balance of the
Member&#146;s Accounts no later than five (5)&nbsp;years after his or her date of death. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Estate</U>. If the
Member&#146;s Beneficiary is his or her estate, the balance of the Member&#146;s Accounts shall be paid as a lump sum as soon as administratively practicable following the Member&#146;s date of death. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">53 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Proof of Death. </B>The Plan Administrator may require and rely upon such proof of
death and such evidence of the right of any Beneficiary or other person to receive the value of the Accounts of a deceased Member as the Plan Administrator may deem proper and its determination of death and of the right of that Beneficiary or other
person to receive payment shall be conclusive. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Beneficiary Elections by <FONT STYLE="white-space:nowrap">Non-Spouse</FONT>
Beneficiary (Other than Estate).</B> Any election required under this Section&nbsp;9.03 to be made by a <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary shall be made, in a manner prescribed by the Plan Administrator, not later than <FONT
STYLE="white-space:nowrap">sixty-one</FONT> (61) days after benefits become payable on account of the Member&#146;s death. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Heroes
Earnings Assistance and Relief Tax Act of 2008 (HEART Act).</B> Pursuant to Code Section&nbsp;401(a)(37), and effective for Plan Years commencing on or after January&nbsp;1, 2007, the Beneficiary of a Member who dies while on qualified military
service, defined in Code Section&nbsp;414(u), shall be entitled to any additional benefits (other than benefit accruals relating to a period of qualified military service) provided under the Plan in the same manner as if the Member had resumed
employment with the Employer and then died before his or her benefits commence. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.04</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>COMMENCEMENT OF PAYMENTS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided in this Article, payment of a Member&#146;s Accounts shall be made as soon as administratively practicable
following the later of (a)&nbsp;the Member&#146;s severance from employment or (b)&nbsp;the 65th anniversary of the Member&#146;s date of birth (but not more than 60 days after the close of the Plan Year in which the later of (a)&nbsp;or (b)
occurs). </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.05</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>SMALL BENEFITS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Cash Outs.</B> Notwithstanding any provision of the Plan to the contrary, if: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) the value of the Member&#146;s Accounts is $5,000 or less as of the applicable Valuation Date, or </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) the value of a terminated Member&#146;s deferred Account drops to (or below) $5,000 as of the last day of any Plan Year,
the Plan shall distribute such Member&#146;s entire Account balance in accordance with Section&nbsp;9.05(b) below. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Distribution
Procedures for Small Benefits.</B> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) In the case of a mandatory distribution payable with a value of $1,000 or less as
of the applicable Valuation Date, if a Member does not elect to have such distribution paid directly to an Eligible Retirement Plan specified by the Member in a direct rollover, the Plan will pay the distribution in a
<FONT STYLE="white-space:nowrap">lump-sum</FONT> payment to the Member; or </P> <P STYLE="font-size:6pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">54 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) In the case of a mandatory distribution payable with a value greater
than $1,000 but not more than $5,000 as of the applicable Valuation Date, if a Member does not elect to have such distribution paid directly to an Eligible Retirement Plan specified by the Member in a direct rollover, or to receive the distribution
directly, the Plan will pay the distribution in a direct rollover to an individual retirement plan, designated by the Plan Administrator or his or her delegate. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Inclusion or Exclusion of Rollovers from Determination. </B>The value of a terminated Member&#146;s Accounts shall include that portion
of the Accounts attributable to Rollover Contributions (and earnings allocable thereto) within the meaning, to the extent applicable, of Code Sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16). </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.06</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>FORM OF PAYMENT </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Cash.</B> Distributions from a Member&#146;s Accounts pursuant to this Article IX shall be made in cash, except as otherwise provided in
subsection (b)&nbsp;or (c) below. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>CSX Stock Fund.</B> The portion of a <FONT STYLE="white-space:nowrap">lump-sum</FONT> payment
under this Article IX invested in the CSX stock fund shall be made either in kind or in cash as the Member or such Member&#146;s Beneficiary shall elect in accordance with such rules as the Plan Administrator may establish. In the absence of a
timely election by the Member or the Beneficiary, as applicable, a <FONT STYLE="white-space:nowrap">lump-sum</FONT> payment shall be paid in cash. Notwithstanding the preceding, fractional shares of Company Stock paid as part of an <FONT
STYLE="white-space:nowrap">in-kind</FONT> distribution shall always be paid in cash. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Promissory Note. </B>A promissory note
representing the outstanding principal balance and accrued unpaid interest on a Member&#146;s loan may be distributed in kind as part of a <FONT STYLE="white-space:nowrap">lump-sum</FONT> payment under this Article if a direct rollover of such note
is made to an eligible retirement plan pursuant to Section&nbsp;9.08 or the note is transferred to such a plan pursuant to an elective transfer under applicable Treasury Regulations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Installment Payments. </B>A Member who severs from employment and who elects a distribution in the form of installment payments will
have each installment paid proportionally from all the Investment Funds in which he or she has a balance. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.07</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>REQUIRED DISTRIBUTIONS APPLICABLE TO THE MEMBER </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) The entire interest of a Member under the Plan must be, or must begin to be, distributed not later than his or her Required Beginning Date.
Notwithstanding the preceding, a Member who remains employed after age 70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> and who is not a five percent owner (as defined in Code Section&nbsp;416(i)(1)) of any
Affiliate may elect to begin the distribution of his or her Account after attaining age 70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> and prior to his or her Required Beginning Date. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">55 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Except as modified by Section&nbsp;9.09(c), if the Member elects monthly installments:
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Such monthly installments shall provide for payments over the period the Member elects, not to exceed the lesser of
(A) 240 months or (B)&nbsp;the life expectancy of the last survivor of the Member and his or her Beneficiary. Notwithstanding the foregoing, effective January&nbsp;1, 2020, such monthly installments shall provide for payments over the period the
Member elects, not to exceed the life expectancy of the last survivor of the Member and his or her Beneficiary; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) The
amount of each installment shall be determined by dividing the amount in the Member&#146;s Accounts, as of the Valuation Date of determination, by the number of remaining installments (including the installment being determined); and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) A Member who has elected to receive installment payments may, at any subsequent time elect, in a manner prescribed by the
Plan Administrator, to receive the remaining value of his or her Accounts in a <FONT STYLE="white-space:nowrap">lump-sum</FONT> payment. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Unless an election is made pursuant to (a) or (b) above (in which case the Member may elect a distribution in any manner available to him
or her under Section 9.02), a Member whose Accounts must commence being distributed under this Section 9.07 prior to his or her severance from employment shall be paid the minimum amount required under Code Section 401(a)(9) until such Member&#146;s
actual severance from employment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) A Member who is required to commence receiving benefits hereunder who is not subject to the minimum
in-service distribution rule described in the (c) above and who fails to elect a form of distribution shall be deemed to have elected a lump-sum distribution and to receive all amounts invested in the CSX stock fund in cash. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.08</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>DIRECT ROLLOVER OF CERTAIN DISTRIBUTIONS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Direct Rollover.</B> Notwithstanding any provision of the Plan to the contrary that would otherwise limit a distributee&#146;s election
under this Section 9.08, a &#147;distributee&#148; may elect, at the time and in the manner prescribed by the Plan Administrator, to have any portion of an &#147;eligible rollover distribution&#148; paid directly to an &#147;eligible retirement
plan,&#148; specified by the distributee in a &#147;direct rollover.&#148; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Definitions.</B> The following definitions shall apply
for purposes of this Section 9.08: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Direct Rollover</U>. A direct rollover is a payment by the Plan to the eligible
retirement plan specified by the distributee. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Distributee</U>. A distributee is a Member. In addition, a
Member&#146;s Surviving Spouse or former Spouse who is an Alternate Payee are distributees with regard to their interest in a Member&#146;s Account. Effective for Plan Years beginning after December&nbsp;31, 2009, a distributee shall also include a
designated Beneficiary if the requirements of Code Section&nbsp;402(c)(11) are satisfied. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">56 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Eligible Retirement Plan</U>. An eligible retirement plan is an
individual retirement account described in Code Section&nbsp;408(a), an individual retirement annuity described in Code Section&nbsp;408(b), an annuity plan described in Code Section&nbsp;403(a), or a qualified trust described in Code
Section&nbsp;401(a), that accepts the distributee&#146;s eligible rollover distribution. Eligible retirement plan shall also mean an annuity contract described in Code Section&nbsp;403(b) and an eligible plan under Code Section&nbsp;457 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 and which agrees to separately account for amounts transferred to such plan from this Plan. The definition of
eligible retirement plan shall also apply in the case of a distribution to a Surviving Spouse, or to a Spouse or former Spouse who is the Alternate Payee under a Qualified Domestic Relations Order. For distributions made after December&nbsp;31,
2007, an eligible retirement plan may include a Roth individual retirement account defined in Code Section&nbsp;408A provided that, for distributions made in Plan Years prior to 2010, the distributee&#146;s modified adjusted gross income does not
exceed the limitations in Code Section&nbsp;408A(d)(3)(A). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>Eligible Rollover Distribution</U>. In general, an
eligible rollover distribution is any distribution of all or any portion of the balance to the credit of the distributee. Notwithstanding the general rule of this subsection 9.08(b)(4) </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) an eligible rollover distribution does not include: (i)&nbsp;any distribution that is one of a series of substantially
equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the distributee or the joint lives (or joint life expectancies) of the distributee and the distributee&#146;s designated beneficiary, or for a
specified period of ten years or more; (ii)&nbsp;any distribution to the extent such distribution is required under Code Section&nbsp;401(a)(9); (iii) returns of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions
pursuant to Treasury Regulations <FONT STYLE="white-space:nowrap">Section&nbsp;1.415-6(b)(6)(iv);</FONT> (iv) returns of Excess Contributions, Excess Deferrals and Excess Aggregate Contributions pursuant to Treasury Regulations Sections <FONT
STYLE="white-space:nowrap">1.401(k)-2(b)(2),</FONT> <FONT STYLE="white-space:nowrap">1.402(g)-1(e)(3)</FONT> and <FONT STYLE="white-space:nowrap">1.401(m)-2(b)(2)</FONT> and the income allocable to those corrective distributions; (v)&nbsp;loans
treated as deemed distributions pursuant to Code Section&nbsp;72(p); (vi) dividends paid on Company Stock as described in Code Section&nbsp;404(k); (vii) any amount that is distributed on account of hardship pursuant to Section&nbsp;7.02; and
(viii)&nbsp;similar items designated by the Commissioner of the Internal Revenue Service. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) a portion of a distribution
shall not fail to be an eligible rollover distribution merely because the portion consists of <FONT STYLE="white-space:nowrap">After-Tax</FONT> Contributions that are not includible in gross income. However, such portion may be transferred only to
an individual retirement account or annuity described in Code Sections 401(a) or 403(a) that agrees to separately account for amounts so transferred, including separately accounting for the portion of such distribution which is includible in gross
income and the portion of such distribution which is not so includible. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">57 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) <U>Roth Contributions</U>. Notwithstanding (1)&nbsp;through (4) above, a
direct rollover of a distribution from a Roth Account will only be made to another designated Roth account (as defined in Code Section&nbsp;402A) under an applicable retirement plan described in Code Section&nbsp;402A(e)(1) or to a Roth IRA
described in Code Section&nbsp;408A and only to the extent the rollover is permitted under the rules of Code Section&nbsp;402A(c). The provisions of (1)&nbsp;through (4) above that allow a Member to elect a direct rollover of only a portion of an
Eligible Rollover Distribution shall be applied by treating any amount distributed from the Member&#146;s Roth Account as a separate distribution from any amount distributed from the rest of the Member&#146;s Account, even if the amounts are
distributed at the same time. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Requirements of Plan Administrator.</B> In order to elect a direct rollover, the distributee must
specify the eligible retirement plan to which the distribution is to be made, provide the Plan Administrator with such information and/or documentation as the Plan Administrator may require and comply with such procedures as the Plan Administrator
may prescribe. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Notice Requirement. </B>The Plan Administrator shall provide each distributee a notice that satisfies the
requirements of Code Section&nbsp;402(f) and the Treasury Regulations thereunder. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Failure to Elect.</B> A distributee who fails to
make an affirmative election shall be treated as having elected not to make a direct rollover. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Transfers Treated as Direct Rollover
of Eligible Rollover Distributions to <FONT STYLE="white-space:nowrap">Non-Spouse</FONT> Beneficiaries.</B> A <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary who is entitled to receive the amount credited to the Account of a deceased
Member may elect to make a <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">trustee-to-trustee</FONT></FONT> transfer of all or a portion of such distribution to an individual retirement plan described in Code Section&nbsp;408(a) or
(b)&nbsp;that is established and titled in a manner that identifies it as an &#147;inherited IRA&#148; with respect to the deceased Member and identifies the deceased Member and the <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary,
pursuant to the provisions of Code Section&nbsp;402(c)(11). Any amount distributed from the Account of a deceased Member to a <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary must satisfy the definition of an eligible rollover
distribution. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.09</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>MINIMUM DISTRIBUTION REQUIREMENTS FOR PLAN YEARS BEGINNING ON AND AFTER JANUARY&nbsp;1, 2003
</B></P></TD></TR></TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General Rules.</B> The provisions of this section will apply for purposes of determining required minimum
distributions for calendar years beginning with the 2003 calendar year. The requirements of this section will take precedence over any inconsistent provisions of the Plan. All distributions required under this Section will be determined and made in
accordance with the Treasury Regulations under Code Section&nbsp;401(a)(9). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">58 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Time and Manner of Distribution.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Required Beginning Date</U>. The Member&#146;s entire interest will be distributed, or begin to be distributed, to the
Member no later than the Member&#146;s Required Beginning Date. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Death of Member Before Distributions Begin</U>. If
the Member dies before distributions begin, the Member&#146;s entire interest will be distributed, or begin to be distributed, no later than as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) If the Member&#146;s Surviving Spouse is the Member&#146;s sole designated Beneficiary, then distributions to the Surviving
Spouse will begin by December&nbsp;31 of the calendar year immediately following the calendar year in which the Member died, or by December&nbsp;31 of the calendar year in which the Member would have attained age
70<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB>, if later. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) If the
Member&#146;s Surviving Spouse is not the Member&#146;s sole designated Beneficiary, then distributions to the designated Beneficiary will begin by December&nbsp;31 of the calendar year immediately following the calendar year in which the Member
died. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C) If there is no designated Beneficiary as of September&nbsp;30 of the year following the year of the
Member&#146;s death, the Member&#146;s entire interest will be distributed by December&nbsp;31 of the calendar year containing the fifth anniversary of the Member&#146;s death. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(D) If the Member&#146;s Surviving Spouse is the Member&#146;s sole designated Beneficiary and the Surviving Spouse dies after
the Member but before distributions to the Surviving Spouse begin, this Section&nbsp;9.09(b)(2), other than Section&nbsp;9.09(b)(2)(A), will apply as if the Surviving Spouse were the Member. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For purposes of this Section&nbsp;9.09(b)(2) and Section&nbsp;9.09(d), unless Section&nbsp;9.09(b)(2)(D) applies, distributions are considered
to begin on the Member&#146;s Required Beginning Date. If Section&nbsp;9.09(b)(2)(D) applies, distributions are considered to begin on the date distributions are required to begin to the Surviving Spouse under Section&nbsp;9.09(b)(2)(A). If
distributions under an annuity purchased from an insurance company irrevocably commence to the Member before the Member&#146;s Required Beginning Date (or to the Member&#146;s Surviving Spouse before the date distributions are required to begin to
the Surviving Spouse under Section&nbsp;9.09(b)(2)(A)), the date distributions are considered to begin is the date distributions actually commence. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">59 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Forms of Distribution</U>. Unless the Member&#146;s interest is
distributed in the form of an annuity purchased from an insurance company or in a single sum on or before the Required Beginning Date, as of the first distribution calendar year, distributions will be made in accordance with Sections 9.09(c) and
9.09(d). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Required Minimum Distributions During Member&#146;s Lifetime.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Amount of Required Minimum Distribution For Each Distribution Calendar Year</U>. During the Member&#146;s lifetime, the
minimum amount that will be distributed for each distribution calendar year is the lesser of: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) the quotient obtained by
dividing the Member&#146;s Account balance by the distribution period in the Uniform Lifetime Table set forth in <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(a)(9)-9</FONT> of the Treasury Regulations, using the Member&#146;s age as of the
Member&#146;s birthday in the distribution calendar year; or </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) if the Member&#146;s sole designated Beneficiary for the
distribution calendar year is the Member&#146;s Spouse, the quotient obtained by dividing the Member&#146;s Account balance by the number in the Joint and Last Survivor Table set forth in
<FONT STYLE="white-space:nowrap">Section&nbsp;1.401(a)(9)-9</FONT> of the Treasury Regulations, using the Member&#146;s and Spouse&#146;s attained ages as of the Member&#146;s and Spouse&#146;s birthdays in the distribution calendar year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Lifetime Required Minimum Distributions Continue Through Year of Member&#146;s Death</U>. Required minimum distributions
will be determined under this Section&nbsp;9.09(c) beginning with the first distribution calendar year and up to and including the distribution calendar year that includes the Member&#146;s date of death. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Required Minimum Distributions After Member&#146;s Death.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Death On or After Date Distributions Begin</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) <U>Member Survived by Designated Beneficiary</U>. If the Member dies on or after the date distributions begin and there is
a designated Beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of the Member&#146;s death is the quotient obtained by dividing the Member&#146;s Account balance by the longer of the remaining
life expectancy of the Member or the remaining life expectancy of the Member&#146;s designated Beneficiary, determined as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) The Member&#146;s remaining life expectancy is calculated using the age of the Member in the year of death, reduced by one
for each subsequent year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(ii) If the Member&#146;s Surviving Spouse is the Member&#146;s sole designated Beneficiary,
the remaining life expectancy of the Surviving Spouse is calculated for each distribution calendar year after the year of the Member&#146;s death using the Surviving Spouse&#146;s age as of the Spouse&#146;s birthday in that year. For distribution
calendar years after the year of the Surviving Spouse&#146;s death, the remaining life expectancy of the Surviving Spouse is calculated using the age of the Surviving Spouse as of the Spouse&#146;s birthday in the calendar year of the Spouse&#146;s
death, reduced by one for each subsequent calendar year. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">60 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:13%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(iii) If the Member&#146;s Surviving Spouse is not the Member&#146;s sole
designated Beneficiary, the designated Beneficiary&#146;s remaining life expectancy is calculated using the age of the Beneficiary in the year following the year of the Member&#146;s death, reduced by one for each subsequent year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) <U>No Designated Beneficiary</U>. If the Member dies on or after the date distributions begin and there is no designated
Beneficiary as of September&nbsp;30 of the year after the year of the Member&#146;s death, the minimum amount that will be distributed for each distribution calendar year after the year of the Member&#146;s death is the quotient obtained by dividing
the Member&#146;s Account balance by the Member&#146;s remaining life expectancy calculated using the age of the Member in the year of death, reduced by one for each subsequent year. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Death Before Date Distributions Begin</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) <U>Member Survived by Designated Beneficiary</U>. If the Member dies before the date distributions begin and there is a
designated Beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of the Member&#146;s death is the quotient obtained by dividing the Member&#146;s Account balance by the remaining life expectancy
of the Member&#146;s designated Beneficiary, determined as provided in Section&nbsp;9.09(d)(1). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) <U>No Designated
Beneficiary</U>. If the Member dies before the date distributions begin and there is no designated Beneficiary as of September&nbsp;30 of the year following the year of the Member&#146;s death, distribution of the Member&#146;s entire interest will
be completed by December&nbsp;31 of the calendar year containing the fifth anniversary of the Member&#146;s death. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(C)
<U>Death of Surviving Spouse Before Distributions to Surviving Spouse Are Required to Begin</U>. If the Member dies before the date distributions begin, the Member&#146;s Surviving Spouse is the Member&#146;s sole designated Beneficiary, and the
Surviving Spouse dies before distributions are required to begin to the Surviving Spouse under Section&nbsp;9.09(b)(2)(A), this Section&nbsp;9.09(d)(2) will apply as if the Surviving Spouse were the Member. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">61 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <U>Definitions</U>. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Designated Beneficiary</U>. The individual who is designated as Beneficiary under the Plan is the designated Beneficiary
under Section&nbsp;401(a)(9) of the Code and <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(a)(9)-1,</FONT> <FONT STYLE="white-space:nowrap">Q&amp;A-2,</FONT> of the Treasury Regulations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Distribution calendar year</U>. A calendar year for which a minimum distribution is required. For distributions
beginning before the Member&#146;s death, the first distribution calendar year is the calendar year immediately preceding the calendar year which contains the Member&#146;s Required Beginning Date. For distributions beginning after the Member&#146;s
death, the first distribution calendar year is the calendar year in which distributions are required to begin under Section&nbsp;9.09(b)(2). The required minimum distribution for the Member&#146;s first distribution calendar year will be made on or
before the Member&#146;s Required Beginning Date. The required minimum distribution for other distribution calendar years, including the required minimum distribution for the distribution calendar year in which the Member&#146;s Required Beginning
Date occurs, will be made on or before December&nbsp;31 of that distribution calendar year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Life expectancy</U>.
Life expectancy as computed by use of the Single Life Table in <FONT STYLE="white-space:nowrap">Section&nbsp;1.401(a)(9)-9</FONT> of the Treasury Regulations. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>Member&#146;s Account balance</U>. The Account balance as of the last Valuation Date in the calendar year immediately
preceding the distribution calendar year (valuation calendar year) increased by the amount of any contributions made and allocated or forfeitures allocated to the Account balance as of dates in the valuation calendar year after the Valuation Date
and decreased by distributions made in the valuation calendar year after the Valuation Date. The Account balance for the valuation calendar year includes any amounts rolled over or transferred to the Plan either in the valuation calendar year or in
the distribution calendar year if distributed or transferred in the valuation calendar year. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Election to Allow Members or
Beneficiaries to Elect <FONT STYLE="white-space:nowrap">5-Year</FONT> Rule.</B> Members or Beneficiaries may elect on an individual basis whether the <FONT STYLE="white-space:nowrap">5-year</FONT> rule or the life expectancy rule in Sections
9.09(b)(2) and 9.09(d)(2) of the Plan applies to distributions after the death of a Member who has a designated Beneficiary. The election must be made no later than the earlier of September&nbsp;30 of the calendar year in which distribution would be
required to begin under Section&nbsp;9.09(b)(2) of the Plan, or by September&nbsp;30 of the calendar year which contains the fifth anniversary of the Member&#146;s (or, if applicable, Surviving Spouse&#146;s) death. If neither the Member nor
Beneficiary makes an election under this paragraph, distributions will be made in accordance with Sections 9.09(b)(2) and 9.09(d)(2) of the Plan. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">62 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>2009 Required Minimum Distributions.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Annually Calculated Required Minimum Distributions</U>: Notwith-standing the foregoing paragraphs and except as provided
in paragraph (g)(2), a Member or Beneficiary who would have received a required minimum distribution in 2009 but for the enactment of Code Section&nbsp;401(a)(9)(H) (a &#147;2009 RMD&#148;) will not receive a 2009 RMD unless the Member or
Beneficiary elects to receive such distribution. The Plan Administrator will provide or cause such election to be provided to affected Members and Beneficiaries. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Installment Payments</U>: Notwithstanding (g)(1), Members and Beneficiaries who receive installment payments in a series
of substantially equal distributions (that include the 2009 RMD) made at least annually and expected to last for the life (or life expectancy) of the Member, the joint lives (or joint life expectancy) of the Member and the Member&#146;s designated
Beneficiary, or for a period of at least 10 years (&#147;an Extended 2009 RMD&#148;), will receive those payments, unless the Member or Beneficiary elects not to receive one or more payments that included the 2009 RMD amount. The installment
payments of a Member or Beneficiary who elected not to receive one or more Extended 2009 RMD installment payments will automatically start again in 2010, at the normally scheduled time frame elected. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Rollovers</U>: In addition, 2009 RMDs and Extended 2009 RMDs will be treated as Eligible Rollover Distributions and
eligible for roll over through the later of (a)&nbsp;November&nbsp;30, 2009, or (b)&nbsp;within sixty (60)&nbsp;days of distribution. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.10</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>INDEX OF ARTICLE IX PAYMENT RULES </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">For the avoidance of doubt, the following provisions are intended to clarify the operative provisions in this Article 9 related to the
requirements set forth in Code Section&nbsp;401(a)(9). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Distribution to Member Before His or Her Death.</B> Payments to the Member
shall commence as required under Section&nbsp;9.01 and shall be paid as quickly as is required under Section&nbsp;9.09(c)(1). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Death
of Member Before Payments Begin. </B>The payment of benefits to a Beneficiary shall commence and/or the minimum benefit shall be: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Member&#146;s Spouse</U>. Payments to the Spouse shall commence as required under Section&nbsp;9.09(b)(2) and be paid at
least as quickly as required under Section&nbsp;9.09(d)(1)(A). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Member&#146;s
<FONT STYLE="white-space:nowrap">Non-Spouse</FONT> Beneficiary Other than to the Member&#146;s Estate</U>. Payments to the <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary shall commence as required under Section&nbsp;9.03(c)(2) as may
be modified by Section&nbsp;9.09(f) in the form of a lump sum distribution. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Member&#146;s Estate</U>. Payments to
the Estate shall commence as required under Section&nbsp;9.03(c)(2) in the form of a lump sum distribution. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">63 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Death of Member After Payments Begin.</B> Upon commencement of benefits payments
pursuant to Section&nbsp;9.10(b) above, the minimum amount of benefits to be paid to a Beneficiary shall be: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1)
<U>Member&#146;s Spouse</U>. Benefits must be paid to the Spouse as quickly as is required in Section&nbsp;9.09(d)(1)(A). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Member&#146;s <FONT STYLE="white-space:nowrap">Non-Spouse</FONT> Beneficiary Other than to the Member&#146;s Estate</U>.
Benefits must be paid to the <FONT STYLE="white-space:nowrap">non-Spouse</FONT> Beneficiary as quickly as is required in Section&nbsp;9.03(c)(2) as may be modified by Section&nbsp;9.09(f). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Member&#146;s Estate</U>. Benefits must be paid to the Estate as quickly as is required in Section&nbsp;9.03(c)(3). </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>9.11</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>DISTRIBUTION RESTRICTIONS ON ELECTIVE DEFERRAL CONTRIBUTIONS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Restrictions.</B> Notwithstanding any other provision of the Plan, <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions, Roth
Contributions, qualified nonelective contributions, qualified matching contributions, QACA Matching Contributions, ADP safe-harbor matching and safe-harbor nonelective contributions, Enhanced 401(k) Contributions, if and as applicable, and income
allocable to each, may not be distributed before: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Severance From Employment</U>. The Member&#146;s severance from
employment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Death</U>. The Member&#146;s death. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Disability</U>. The Member&#146;s Disability. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>Hardship</U>. The Member has a hardship, pursuant to Section&nbsp;7.02. Notwithstanding the foregoing, qualified
nonelective contributions, qualified matching contributions and QACA Matching Contributions may not be withdrawn on account of a Member&#146;s hardship. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) <U>Age 59</U><U><SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB></U>. The Member
has attained age 59<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB>. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) <U>Plan
Termination without establishment of alternative defined contribution plan</U>. Lump sum distributions shall be made upon Plan termination if the Plan terminates without the establishment of another Defined Contribution Plan (other than an employee
stock ownership plan as defined in Code Section&nbsp;409(a) or 4975(e)(7), a simplified employee pension plan as defined in Code Section&nbsp;408(k), a SIMPLE IRA plan as defined in Code Section&nbsp;408(p), a plan or contract described in Code
Section&nbsp;403(b), or a plan described in Code Section&nbsp;457(b) or (f)) at any time during the period beginning on the date of plan termination and ending 12 months after all Trust Assets have been distributed from the Plan. Effective for Plan
Years commencing January&nbsp;1, 2006, a distribution may be made pursuant to this Section&nbsp;9.10(a)(6) only if the distribution would be a <FONT STYLE="white-space:nowrap">lump-sum</FONT> distribution within the meaning of Code
Section&nbsp;402(e)(4)(D) (without regard to Code Sections 402(e)(4)(D)(i)(l), (II), (Ill), and (IV)). </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">64 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) <U>Disposition of Assets</U>. In Plan Years prior to January&nbsp;1,
2002, a Member&#146;s Employer which is a corporation disposes to an unrelated corporation substantially all of its assets (within the meaning of Code Section&nbsp;409(d)(2)) used in the trade or business of the corporation if such corporation
continues to maintain this Plan, and that Member continues employment with the business that acquires the assets. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8)
<U>Disposition of Interest</U>. In Plan Years prior to January&nbsp;1, 2002, a corporation disposes to an unrelated entity its interest in the Member&#146;s Employer, which is a subsidiary corporation within the meaning of Code
Section&nbsp;409(d)(3) if such corporation continues to maintain this Plan, and the Member continues his or her employment with the Employer. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(9) <U>Distributions to Members on Active Duty</U>. A Member who is performing services in the Uniformed Services while on
active duty for a period of more than 30 days may elect to receive a distribution of his or her <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> and <FONT STYLE="white-space:nowrap">After-Tax</FONT> Accounts. Such individual (A)&nbsp;shall be treated
as having a severance from employment with the Employer during the period of Uniformed Service for purposes of this section only, and (B)&nbsp;shall be prohibited from making <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> and <FONT
STYLE="white-space:nowrap">After-Tax</FONT> Contributions to the Plan during the <FONT STYLE="white-space:nowrap">six-month</FONT> period beginning on the date of distribution. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Consent Requirements.</B> All distributions that may be made under the terms of this Plan are subject to the consent requirements (if
applicable) set forth in Code Sections 411(a)(11) and 417. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">65 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE X </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ADMINISTRATION OF PLAN </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.01</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>NAMED FIDUCIARIES </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General. </B>The Plan Administrator, the Benefit Appeals Committee and the Investment Committee shall each be a &#147;named
fiduciary&#148; within the meaning of ERISA Section&nbsp;402, but each such party&#146;s role as a named fiduciary shall be limited solely to the exercise of its own authority and discretion, as defined under the terms of this Plan and each
committee&#146;s charter, to control and manage the operation and administration of the Plan (other than the authority and discretion assigned under this Plan, or delegated pursuant thereto, to the Trustee). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Delegation. </B>A named fiduciary may designate other persons who are not named fiduciaries to carry out its fiduciary responsibilities
hereunder, and any such person shall become a fiduciary under the Plan with respect to such delegated responsibilities. In the event of such a designation, the named fiduciary shall not be liable for an act or omission of the delegate in carrying
out responsibilities delegated to him or her except to the extent provided in ERISA Section&nbsp;405. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.02</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>FIDUCIARY LIMITATIONS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Named fiduciaries under the Plan, as well as the Trustee and any other person who may be a fiduciary by virtue of ERISA Section&nbsp;3(21),
shall exercise and discharge their respective powers and duties in the following manner: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) by acting solely in the collective interests
of the Members and their Beneficiaries; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) by acting for the exclusive purpose of providing benefits to Members and their Beneficiaries
and defraying reasonable expenses of administering Trust Assets and the Plan; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) by acting with the care, skill, prudence and diligence
under the circumstances then prevailing that a prudent man acting in a like capacity and familiar with such matters would use in the conduct of an enterprise of like character and with like aims; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) by otherwise acting in accordance with this Plan and the Trust Agreement to the extent consistent with ERISA Title I. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.03</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>APPOINTMENT AND REMOVAL OF PLAN ADMINISTRATOR </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan shall be administered by the Plan Administrator. The Fiduciary Oversight Committee shall be responsible for selecting members who
shall serve on the committee acting as the Plan Administrator. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">66 </P>

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<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.04</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>PLAN ADMINISTRATOR RESPONSIBILITIES </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan Administrator shall have the following responsibilities: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Powers and Duties.</B> The Plan Administrator shall be the &#147;plan administrator&#146;&#146; under Code Section&nbsp;414(g) and under
ERISA Section&nbsp;3(16)(A) except to the extent such duties may be and are delegated pursuant to subsection (g)&nbsp;hereof. The Plan Administrator shall administer the Plan in accordance with its terms and shall have all powers necessary to carry
out that obligation. The Plan Administrator shall have the exclusive discretionary authority to interpret and construe the provisions of the Plan, to supply omissions herein, and to determine all questions arising in the administration,
interpretation and application of the Plan including, without limitation, the authority to construe disputed Plan terms and the authority and discretion to determine questions concerning eligibility for benefits and coverage. All such interpretive
and administrative decisions, and rules and regulations, shall be conclusive and binding on all persons. In the exercise of its discretion, the Plan Administrator shall not discriminate against any Member, Beneficiary or Employee or any group or
class thereof. If, due to errors in drafting, any Plan provision does not accurately reflect its intended meaning, as demonstrated by consistent interpretations or other evidence of intent, the provision shall be considered ambiguous and shall be
interpreted by the Plan Administrator in a fashion consistent with its intent. All actions taken and all determinations made by the Plan Administrator shall be final and binding on all persons claiming any interest in or under the Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Records and Reports. </B>The Plan Administrator shall be responsible for keeping a record of all its actions and shall maintain, or
cause to be maintained by its delegates, all such books of account, records and other data as shall be necessary to administer the Plan and to meet the disclosure and reporting requirements of ERISA. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Individual Accounts. </B>The Plan Administrator shall maintain, or cause to be maintained, records showing the individual balances in
each Member&#146;s Accounts. However, maintenance of those records and Accounts shall not require any segregation of the Trust Assets of the Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Plan Administrator Procedures.</B> The Plan Administrator may adopt such rules or procedures as it deems desirable for the conduct of
its affairs. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Distribution of Benefits.</B> </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Direction to the Trustee</U>. The Plan Administrator or its delegate shall issue directions to the Trustee concerning
all benefits which are to be paid from Trust Assets pursuant to the provisions of the Plan, and shall warrant that all such directions are in accordance with this Plan. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Application by Members</U>. Members and Beneficiaries shall complete and file with the Plan Administrator (or elect
through a customer service center) an application for the payment of benefits under the Plan and any other forms deemed necessary and desirable by the Plan Administrator for the proper administration of the Plan. The Plan Administrator may rely upon
all such information so furnished it by CSX, including the Member&#146;s current mailing address. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">67 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Claims Procedure.</B> All claims concerning the Plan shall be exhausted under the
following claim and review procedure. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>Filing of Claim</U>. Any Member or Beneficiary believing himself to be
entitled to benefits under this Plan or to any other relief concerning the Plan shall file a written claim with the Plan Administrator setting forth the benefits or other relief to which he or she believes he or she is entitled and the reasons
therefore. Within ninety (90)&nbsp;days after receipt of such claim, the Plan Administrator shall determine the claimant&#146;s right to the benefits and/or relief claimed and shall give said claimant written or electronic notice of the Plan
Administrator&#146;s decision, and, if the claim is denied in whole or in part, said written notice shall set forth in a manner calculated to be understood by the claimant: (A)&nbsp;the specific reason or reasons for the denial; (B)&nbsp;specific
references to pertinent Plan provisions on which the denial is based; (C)&nbsp;a description of any additional material or information necessary for the claimant to perfect the claim and an explanation of why such materials or information is
necessary; and (D)&nbsp;a description of the Plan&#146;s claims review procedure and time limits applicable to such procedures, including a claimant&#146;s right to bring a civil action under ERISA Section&nbsp;502(a) following an adverse benefit
determination on review. Such notice shall be sent by certified mail, return receipt requested, to the address of the claimant filing the claim as it appears in the books and records of the Employer, or to such other address as the claimant may
direct. To the extent permitted by regulation, under special circumstances, the Plan Administrator is allowed an additional period of not more than ninety (90)&nbsp;days (one hundred eighty (180)&nbsp;days in total) within which to notify the
claimant of the decision. If such an extension is required, the claimant will receive a written notice from the Plan Administrator indicating the reason for the delay and the date the claimant may expect a final decision. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Review Procedure</U>. If a claim is denied in whole or in part, the claimant or his or her duly authorized
representative, may request a full and fair review of the claim and the adverse benefit determination. The claims procedure must provide claimants with (A)&nbsp;at least 60 days following receipt of an adverse determination on which to appeal the
determination; (B)&nbsp;the opportunity to submit to the Benefit Appeals Committee written comments, documents and records relating to the claim; (C)&nbsp;reasonable access to and copies of documents and records relevant to the claim for benefits,
upon request and free of charge; and (D) a review taking into account all comments, documents, records and information submitted by the claimant relating to the claim, without regard to whether the information was submitted or considered in the
initial benefit determination. Appeals shall be considered by the Benefit Appeals Committee. Its decision shall be made within sixty (60)&nbsp;days, or within one hundred twenty (120)&nbsp;days if, as provided by regulations, special circumstances
require an extension of time for processing, after its receipt of a written appeal by the claimant. If the claim is denied on appeal, the Benefit Appeals Committee shall set forth the reasons for </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">68 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; font-size:10pt; font-family:Times New Roman">
denial and the pertinent Plan provisions in a written decision which shall be sent to the claimant. For all purposes under the Plan, such decision on claims where no review is requested, and
decisions on claims where review is requested, shall be final, binding and conclusive on all interested parties. Any electronic notification shall comply with the standards imposed by Department of Labor Regulation
<FONT STYLE="white-space:nowrap">2520.104b-1(c).</FONT> </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event a claimant wishes to file a lawsuit after the
claimant has exhausted the claims process, the claimant must do so within three years of the date the claim arose or forever thereafter be precluded from filing a lawsuit because it is time barred. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g) <B>Assignment of Functions.</B> The Plan Administrator shall perform the functions assigned thereto under the Plan and those additional
duties as may from time to time be delegated thereto and may delegate the functions set forth in subsections (a), (b), (c) and (e)&nbsp;to a person or persons, which may include employees of the Employer. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.05</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>APPOINTMENT OF INVESTMENT COMMITTEE </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The general supervision of the Trust Assets of the Plan shall be placed in the Investment Committee, the members of which shall be appointed by
the Fiduciary Oversight Committee. The Investment Committee shall hold meetings upon such notice, at such place or places, and at such time or times as it may from time to time determine. The duties of the Investment Committee are set forth in
Section&nbsp;11.04 and the Investment Committee Charter. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.06</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>ORGANIZATION OF COMMITTEES </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The members of the committee serving as Plan Administrator, the Benefit Appeals Committee and the Investment Committee shall elect from their
number a chair. Each respective committee shall appoint a secretary for their respective Committees which may but need not be one of the members of such Committee; may appoint from their number such subcommittees with such powers as they shall
determine; may authorize one or more of their number or any agent to execute or deliver any instrument or make any payment on their behalf; may retain counsel, employ agents and provide for such clerical, accounting, and consulting services as they
may require in carrying out the provisions of the Plan; and may allocate among themselves or delegate to other persons all or such portion of their duties under the Plan, other than those granted to the Trustee under the Trust Agreement, as they, in
their sole discretion, shall decide. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.07</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>ACTION OF MAJORITY </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any act which the Plan authorizes or requires either the Plan Administrator, Benefit Appeals Committee or the Investment Committee to do may be
done by a majority of its members. The action of that majority expressed from time to time by a vote at a meeting or in writing without a meeting shall constitute the action of such Committee and shall have the same effect for all purposes as if
assented to by all members of such Committee at the time in office. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">69 </P>

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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.08</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>COMPENSATION AND BONDING </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No member of the Benefit Appeals Committee, Investment Committee or the Plan Administrator shall receive any compensation from the Plan for his
or her services as such. Except as may otherwise be required by law, no bond or other security need be required of any member in that capacity in any jurisdiction. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.09</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>ESTABLISHMENT OF RULES; ACTIONS BY PLAN ADMINISTRATOR </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Subject to the limitations of the Plan, the Plan Administrator from time to time shall establish rules for the transaction of its business. Any
rules established by, or actions taken by the Plan Administrator, shall not discriminate in favor of Highly Compensated Employees and shall be uniformly applied to similarly situated employees. The determination of the Plan Administrator as to any
disputed question shall be conclusive. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.10</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>SERVICE IN MORE THAN ONE FIDUCIARY CAPACITY </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Any individual, entity or group of persons may serve in more than one fiduciary capacity with respect to the Plan and/or the Trust Assets of
the Plan. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.11</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>LIMITATION OF LIABILITY </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The members of the committee serving as Plan Administrator, the members of the Benefit Appeals Committee, the members of Investment Committee,
the Employers, their directors, and any officer, employee or agent of an Employer shall not incur any liability individually or on behalf of any other individuals or on behalf of an Employer for any act or failure to act, made in good faith in
relation to the Plan or the Trust Assets of the Plan. However, this limitation shall not act to relieve any such individual when acting as a fiduciary to the Plan from a responsibility or liability for any fiduciary responsibility, obligation or
duty under of ERISA Part 4, Title I. </P> <P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.12</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>INDEMNIFICATION </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">To the extent not finally paid by insurance coverage provided by CSX or its Affiliates, members of the committee serving as Plan Administrator,
members of the Benefit Appeals Committee, the members of Investment Committee, directors, and the officers, employees and agents of an Employer shall be indemnified against any and all liabilities arising by reason of any act, or failure to act, in
relation to the Plan or the Trust Assets of the Plan, including, without limitation, expenses reasonably incurred in the defense of any claim relating to the Plan or the Trust Assets of the Plan, and amounts paid in any compromise or settlement
relating to the Plan or the Trust Assets of the Plan, except for actions or failures to act made in bad faith or resulting from gross negligence as finally determined by a court of law. The foregoing indemnification shall be solely from the assets
of the Employers. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">70 </P>

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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.13</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>ERRORS AND OMISSIONS </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Individuals and entities charged with the administration of the Plan must see that it is administered in accordance with its terms as long as
it is not in conflict with the Code or ERISA. If an innocent error or omission is discovered in the Plan&#146;s operation or administration, and the Plan Administrator determines that the error did not result in discrimination in operation or cause
a qualification or <FONT STYLE="white-space:nowrap">excise-tax</FONT> problem, then, to the extent that an adjustment will not in the Plan Administrator&#146;s judgment result in discrimination in operation, the Plan Administrator may authorize any
equitable adjustment it deems necessary or desirable to correct the error or omission, including but not limited to the authorization of additional Employer contributions designed, in a manner consistent with the goodwill intended to be engendered
by the Plan, to put Members in the same relative position they would have enjoyed if there had been no error or omission. Any contribution made pursuant to this Section is an additional discretionary contribution. </P>
<P STYLE="font-size:18pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Times New Roman; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B>10.14</B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman; " ALIGN="left"><B>FIDUCIARY DISCRETION </B></P></TD></TR></TABLE>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In discharging the duties assigned to it under the Plan, each fiduciary has the discretion to interpret the Plan and to adopt, amend and
rescind rules and regulations pertaining to its duties under the Plan. Each fiduciary&#146;s discretionary authority is absolute and exclusive. The express grant in the Plan of any specific power to a fiduciary with respect to any duty assigned to
it under the Plan must not be construed as limiting any power or authority of the fiduciary to discharge its duties. A fiduciary&#146;s decision is final and conclusive unless it is established that the fiduciary&#146;s decision constituted an abuse
of its discretion. Benefits under this Plan will be paid only if the Plan Administrator decides in its discretion that the applicant is entitled to them and the payment of such benefits is uniform and nondiscriminatory with respect to similarly
situated individuals. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">71 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XI </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>MANAGEMENT OF PLAN ASSETS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.01 TRUST
AGREEMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All Trust Assets of the Plan shall be held by or on behalf of the Trustee appointed from time to time by the Board of
Directors or its delegate under the Trust Agreement for use in providing the benefits of the Plan and paying its expenses not paid directly by the Employers. The Employers shall have no liability for the payment of benefits under the Plan or for the
administration of Trust Assets paid over to the Trustee. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.02 TRUSTEE&#146;S RESPONSIBILITIES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Authority.</B> The Trustee shall have, to the extent set forth in the Trust Agreement, authority and discretion to receive, hold and
distribute Trust Assets, fiduciary responsibilities in connection with the exercise of such authority and discretion, and a duty to issue reports and otherwise to account to the Plan Administrator and the Investment Committee, as applicable.
Notwithstanding anything set forth in this Plan or the Trust Agreement to the contrary, the Trustee shall be subject to the directions of CSX, the Plan Administrator, or the Investment Committee, as applicable, only to the extent such directions
are: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) delivered in writing to the Trustee; </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) executed by an authorized party; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) proper, made in accordance with the terms of the Plan and Trust Agreement and not contrary to ERISA. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Investments.</B> All Employer contributions shall be paid over to the Trustee and, together with accretions thereto, shall be invested
by the Trustee in accordance with the directions permitted in this Plan and the Trust Agreement. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.03 EXCLUSIVE BENEFIT RULE </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Except as otherwise provided in the Plan, no part of the corpus or income of the Trust Assets of the Plan shall be used for, or diverted to,
purposes other than for the exclusive benefit of Members and other persons entitled to benefits under the Plan. No person shall have any interest in or right to any part of the earnings of the Trust Assets of the Plan, or any right in, or to, any
part of the Trust Assets held under the Plan, except as and to the extent expressly provided in the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.04 DUTIES OF INVESTMENT COMMITTEE
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Investment Committee shall be responsible for the administration and management of Trust Assets held by the Trustee under the
Trust Agreement; shall establish guidelines and objectives for the Investment Funds which may be offered from time to time under the Plan; may segregate all or a portion of the Trust Assets of the Plan </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">72 </P>

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into one or more accounts for investment management and shall appoint an investment manager or managers to be responsible for such accounts; and in accordance with the objectives of the
Investment Funds may direct the Trustee to sell any or all Trust Assets of the Plan, or to invest or retain all or any portion of the Trust Assets of the Plan in any kind of property, real or personal, and subject to ERISA Sections 406 and 407,
shares of stock or securities issued, or other property owned or formerly owned by CSX, by a subsidiary, or by an affiliate of CSX. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.05 INVESTMENT
MANAGERS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Investment Committee shall have the power to appoint or remove one or more investment managers and to delegate to such
manager authority and discretion to manage (including the power to acquire and dispose of) the Trust Assets or a portion of the Trust Assets of the Plan, provided that: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) each manager with such authority and discretion shall be either </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) a bank, an insurance company or registered investment advisor under the Investment Advisors Act of 1940, </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) an investment advisor not registered under the Investment Advisers Act of 1940 by reason of paragraph (1)&nbsp;of section
203A(a) of such Act, but which is registered as an investment advisor under the laws of the state (referred to in such paragraph (1)) in which it maintains its principal office and place of business and at the time it filed the most recent
registration form required to maintain its registration under the laws of such state, also filed a copy of such form with the Secretary of Labor; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) each manager shall acknowledge in writing to the Investment Committee that it is a fiduciary with respect to the Plan. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">The Investment Committee shall periodically review the investment performance and methods of each manager with such authority and discretion. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.06 VOTING OF SHARES </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Registered
Stock</B>. So long as any class of Company Stock is required to be registered under Section&nbsp;12 of the Securities and Exchange Act of 1934, as amended, each Member in the Plan shall be entitled to instruct the Trustee (to the extent not
inconsistent with ERISA) as to the manner in which any shares of Company Stock allocated to his or her Account shall be voted, but only to the extent required under Code Section&nbsp;409(e). If no class of Company Stock is required to be so
registered, then subsection (b)&nbsp;below shall apply instead of this subsection. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Corporate Restructuring</B>. With respect to any
corporate merger, consolidation, recapitalization, reclassification, liquidation, dissolution, sale of substantially all the assets of CSX or a similar transaction, each Member shall be entitled to instruct the Trustee as to the manner in which the
shares of Company Stock then allocated to his or her Accounts shall be voted, but only to the extent required by Code Sections 401(a)(22) and 409(e)(3) and the Treasury Regulations promulgated thereunder. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">73 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Voting by Trustee</B>. On any occasion on which the stockholders of the Company vote,
the Trustee shall separately vote all shares of Company Stock allocated to the Accounts of Members for which no instructions are received and any shares of Company Stock that are not then allocated to a Member&#146;s Accounts in proportion to the
responses actually received from Members with respect to allocated shares in connection with each question before the stockholders on such occasion. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Confidentiality.</B> All voting instructions provided the Trustee (or the entity recording shareholder votes) by Members shall be held
in confidence. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.07 TENDER OR EXCHANGE OFFERS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Response to a Tender Offer.</B> In the event an offer to purchase shares of Company Stock held by the Trust is made pursuant to an offer
regulated under any section of the Securities and Exchange Act of 1934, as amended (a &#147;Tender Offer&#148;) then each Member in the Plan shall be entitled to instruct the Trustee (to the extent not inconsistent with ERISA) as to how to respond
to such Tender Offer with respect to all shares of Company Stock allocated to his or her Accounts. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Other Offers. </B>With respect
to any other offer, the Trustee shall respond to such offer as otherwise provided in Section&nbsp;11.06. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) Uninstructed and Unallocated
Shares. Company Stock credited to Members&#146; Accounts for which the Trustee (or its agent) does not receive timely instructions from Members shall not be tendered. Any unallocated Company Stock that is held by the Trustee shall not be tendered.
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Communication.</B> In the event of a tender or exchange offer for the securities of the Employer held by the Trustee for the
account of, or on behalf of, any Member under the Plan, (1)&nbsp;neither any Employer, the Investment Committee nor the Plan Administrator shall interfere in any manner or in any way attempt to influence a Member&#146;s decision regarding the tender
or exchange of such securities (hereinafter referred to as the &#147;Investment Decision&#148;); (2) the Investment Committee and the Plan Administrator shall adequately communicate or cause to be communicated to the Members the provisions of the
Plan and the Trust Agreement relating to the tender or exchange of such shares and timely distribute to Members all communications directed generally to the owners of the securities subject to the tender or exchange offer; and (3)&nbsp;the Trustee
shall timely transmit to, or cause to be timely transmitted for distribution to, Members, all communications relating to such tender or exchange offer that the Trustee may receive, if any, from the offeror of such tender or exchange offer. All
voting instructions provided the Trustee (or entity recording shareholder votes) by Members shall be held in confidence </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">74 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Reinvestment. </B>Notwithstanding any other provisions of this Plan to the contrary,
any securities received by the Trustee as a result of tendering securities of CSX shall be held by the Trustee pending further instructions from the Investment Committee, and any cash received by the Trustee as a result of tendering securities of
CSX shall be invested in short-term fixed income investments having an investment maturity of not more than two years from the time of the making of the investment and during the period of any such tender or exchange offer the Trustee shall not make
any purchase of securities of CSX unless such purchase is required under the Code in order for the Employer to maintain the qualified status of the Plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.08 MANNER OF EXERCISE OF OTHER RIGHTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All other rights not specifically set forth herein shall be exercised by the Trustee as otherwise provided in Section&nbsp;11.02. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.09 DETERMINATION OF SHARES CREDITED TO MEMBER ACCOUNTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The value of units of participation, if any, allocated to the portion of a Member&#146;s Accounts invested in the CSX stock fund shall be
converted to an equivalent number of shares of Company Stock as of any particular date in accordance with procedures established by the Plan Administrator or its delegate and applied on a uniform and nondiscriminatory basis with respect to all
similarly situated Members. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>11.10 EXPENSES </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) All reasonable expenses of the Plan and any Investment Fund shall be paid by, and constitute a charge upon, the Trust or the applicable
Investment Fund, except to the extent any such expense has been paid by the Employer in its discretion and as to which it does not seek reimbursement. Such expenses shall include any expenses incident to the operation of the Plan, including, without
limitation, auditing fees and accounting costs, maintaining and providing accurate records of Member accounts, performing Trustee functions, managing the Investment Funds, attorneys&#146; fees and the compensation of agents, accounting and clerical
charges, the expense, if any, of being bonded under ERISA, and any other costs of administering the Plan. Such expenses may be paid directly or reimbursed to the Employer which has advanced them and seeks reimbursement therefore. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) Notwithstanding the preceding, certain expenses associated with a Member&#146;s Account, if not paid by the Member, shall be passed through
and charged against the affected Member&#146;s Account. Such expenses shall include charges for performing functions as directed by the Member, fund wire transfers requested by a Member, overnight delivery charges, the cost of having domestic
relations orders reviewed to determine if they constitute Qualified Domestic Relations Orders, processing loan requests, and other charges associated with the maintenance or administration of a Member&#146;s Account, as determined from time to time
by the Plan Administrator and communicated in advance to Members. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">75 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>GENERAL PROVISIONS </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.01 MEMBERS&#146;
RIGHTS </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Neither the establishment of this Plan, nor any modification thereof, nor the creation of any fund or account, nor the payment
of any benefits, shall be construed as giving to any Member or other person any legal or equitable right against CSX or any Employer, or any officer or employee thereof, or the Trustee, or the Plan Administrator, the Investment Committee, or the
Benefit Appeals Committee, except as herein provided. The adoption and maintenance of this Plan shall not be deemed to constitute a contract of employment or otherwise between an Employer and any Employee, or to be a consideration for, or an
inducement or condition of, any employment. Nothing contained herein shall be deemed to give an Employee the right to be retained in the service of an Employer or to interfere with the right of an Employer to discharge, with or without cause, any
Employee at any time. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.02 NONALIENATION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">No benefit under the Plan shall in any manner be anticipated, assigned or alienated, and any attempt to do so shall be void; provided, however,
payments shall be made pursuant to (a)&nbsp;a Federal tax levy made pursuant to Code Section&nbsp;6331; (b) a judgment in favor of the United States resulting from an unpaid tax assessment; (c)&nbsp;a Qualified Domestic Relations Order, as discussed
in Section&nbsp;12.03; or (d)&nbsp;certain orders or decrees authorizing the settlement of liabilities incurred against the Plan by a Member as allowed by Code Section&nbsp;401(a)(13). </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.03 QUALIFIED DOMESTIC RELATIONS ORDER PAYMENTS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General.</B> This section applies to amounts that are subject to a Qualified Domestic Relations Order (&#147;QDRO&#148;), as defined in
Section&nbsp;12.03(k). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Administrative Procedures.</B> The Plan Administrator shall establish reasonable written procedures for
determining the qualified status of a domestic relations order and for administering distributions under a QDRO. The Plan Administrator shall promptly notify the Member and each Alternate Payee (defined in Section&nbsp;12.03(l)) of the receipt of a
domestic relations order and of the procedures for determining its qualified status. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Separate Accounting.</B> The Plan
Administrator shall separately account for or segregate amounts that would be payable to or segregated for the benefit of an Alternate Payee during the <FONT STYLE="white-space:nowrap">18-month</FONT> period commencing on the first date on which a
payment would have been required to have been made to an Alternate Payee under a domestic relations order (or a modification of a domestic relations order) received by the Plan Administrator for determination of its status as a QDRO, assuming the
domestic relations order were to be determined to be a QDRO. Any domestic relations order determined to be a QDRO after the expiration of such eighteen-month period will apply only on a prospective basis. Likewise, during the period the Plan
Administrator or any other entity is determining whether a domestic relations order is a QDRO, the Plan may not pay the Member, or any other person, amounts that would be payable to the Alternate Payee assuming the domestic relations order is
determined to be a QDRO. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">76 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Hold on Distributions.</B> No benefits will be distributed to the Member to whom a
domestic relations order relates after the date on which the Plan Administrator receives a signed domestic relations order (or modification of an order) for determination as a QDRO and before the earliest of (1)&nbsp;the expiration of the <FONT
STYLE="white-space:nowrap">18-month</FONT> period beginning on that date; (2)&nbsp;the date on which the Plan Administrator determines that the signed domestic relations order (or modification of an order) is a QDRO; or (3)&nbsp;the date the parties
notify the Plan Administrator that they no longer intend to pursue a QDRO with respect to the Member&#146;s Account. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B>Timing of
Payments.</B> The Trustee shall make payments pursuant to a QDRO as soon as practicable after the payment commencement date specified in the order. If specified in the QDRO, distributions may be made to the Alternate Payee prior to the date that a
Member attains his or her &#147;earliest retirement age&#148; under the Plan as defined under Code Section&nbsp;414(p)(4). If the Member dies before that date, the Alternate Payee is entitled to benefits only if the order requires the establishment
of a separate account for the Alternate Payee or otherwise requires survivor benefits to be paid. To the extent that a contrary result is not specified in the QDRO, payments to the Alternate Payee shall be made in a
<FONT STYLE="white-space:nowrap">lump-sum</FONT> cash payment. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(f) <B>Segregation of Accounts.</B> Upon determination that an order is a
QDRO, amounts subject to the QDRO that are not immediately distributable may be segregated, as of the Valuation Date specified in the QDRO or if no such Valuation Date is specified, as of the Valuation Date coincident with or immediately preceding
the date of segregation, into a separate account for the benefit of the Alternate Payee (the &#147;QDRO Account&#148;). To the extent established in the QDRO, the QDRO Account will participate in the earnings, gains or losses of the Trust or
applicable Investment Fund in the same manner as a Member&#146;s Account. Except as otherwise allowed to a Member in the Plan, a distribution to the Alternate Payee from his or her QDRO Account will be made a soon as practicable after the payment
date specified in the order. The QDRO may not specify payment in a form of distribution other than that provided for in the Plan. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(g)
<B>Cash-Outs.</B> If the value of the Alternate Payee&#146;s QDRO payment exceeds $5,000 as of the Valuation Date coincident with or immediately preceding the date that such payment is distributable, then the Alternate Payee only must consent to
commence receipt of his or her benefit when the terms of the QDRO require such consent. Absent such QDRO terms, the Alternate Payee shall receive a lump sum distribution as soon as practicable after the domestic relations order is qualified by the
Plan Administrator. Notwithstanding the preceding sentence, if the value of the Alternate Payee&#146;s QDRO payment does not exceed $5,000 as of the applicable Valuation Date, then the Trustee shall distribute such Account balance in a lump sum as
soon as practicable following such Valuation Date. The value of an Alternate Payee&#146;s QDRO Account balance shall be determined without regard to that portion of the QDRO Account balance that is attributable to the Member&#146;s Rollover
Contributions (and earnings allocable thereon) </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">77 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman">
within the meaning, to the extent applicable, of Code Sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16). If the value of the Alternate Payee&#146;s QDRO Account balance, as
so determined, is $5,000 or less, the Plan shall immediately distribute such QDRO Account balance as soon as practicable. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(h)
<B>Proportional Distribution</B>. Unless otherwise specified, a distribution made pursuant to a QDRO will be charged proportionally against a Member&#146;s Accounts, including the earnings thereon. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(i) <B>Restriction on Distribution.</B> If a distribution is made to an Alternate Payee under a QDRO before any amounts are segregated pursuant
to subsection (f)&nbsp;above, in no event may the distribution exceed the value of the Member&#146;s Account as of the Valuation Date coincident with or immediately preceding the date of distribution. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(j) <B>Upon Alternate Payee&#146;s Death.</B> If the Alternate Payee dies prior to receiving his or her entire interest in his or her QDRO
Account, any remaining interest in that account will be distributed in accordance with the QDRO or in the event that the QDRO does not specify the manner in which the Alternate Payee&#146;s interest in his or her QDRO Account will be distributed
upon his or her death, in accordance with a beneficiary designation form completed by the Alternate Payee, or if the Alternate Payee makes no valid beneficiary designation, to the Alternate Payee&#146;s children, parents, brothers and sisters, or
estate, in that order. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(k) <B>Definition of QDRO.</B> &#147;Qualified Domestic Relations Order&#148; means a judgment, decree, order, or
approval of a property settlement agreement that: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) relates to the provision of child support, alimony payments, or
marital property rights to an Alternate Payee; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) is made pursuant to a state domestic relations or community property
law; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) creates or recognizes the right of, or assigns the right to, an Alternate Payee to receive all or a portion of
the benefits payable with respect to the Member under this Plan; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) clearly specifies (A)&nbsp;the name and last known
mailing address (if available) of the Member and the name and mailing address of each Alternate Payee, unless the Plan Administrator has reason to know the address independently of the Order; (B)&nbsp;the amount or percentage of the Member&#146;s
benefits to be paid by the Plan to each Alternate Payee or the manner in which such amount or percentage is to be determined; (C)&nbsp;the number of payments or period to which the Order applies; and (D)&nbsp;each plan to which the Order applies;
</P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) does not require the Plan to provide any type or form of benefit, or any option, not otherwise provided under the
Plan; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">78 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) does not require the Plan to provide increased benefits (that is, does
not provide for the payment of benefits in excess of the actuarial equivalent of the benefits to which the Member would be entitled in the absence of the Order); </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) does not require the payment of benefits to an Alternate Payee that are required to be paid to another Alternate Payee
under another order determined previously to be a QDRO; and </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(8) A domestic relations order does not fail to be treated as
a QDRO solely because (A)&nbsp;the domestic relations order is issued after the death of the Member, (B)&nbsp;at the time the domestic relations order is issued, the Spouse no longer meets the definition of Surviving Spouse under the Plan; or
(C)&nbsp;the domestic relations order is issued after, or revises, a prior domestic relations order or QDRO. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(l) <B>Alternate Payee.</B>
&#147;Alternate Payee&#148; means a Member&#146;s Spouse, former Spouse, child, or other dependent, as defined in Code Section&nbsp;414(p), who is recognized by a domestic relations order as having a right to receive all or a portion of the benefits
payable under the Plan with respect to the Member. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.04 CORPORATION&#146;S LIABILITY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">All vested interests under the Plan shall be paid only from Trust Assets, and CSX, any Employer or Affiliate, the Plan Administrator, the
Benefit Appeals Committee, the Investment Committee, and the Trustee shall have no duty or liability to furnish the Trust with any funds, securities or other assets, except as expressly provided in the Plan. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.05 FACILITY OF PAYMENT </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">If the Plan
Administrator shall find that a Member or other person entitled to a benefit is unable to care for his or her affairs because he or she is physically or mentally incapable or is a minor, the Plan Administrator may direct that any benefit due him or
her be paid to a duly appointed legal representative. Any payment so made shall be a complete discharge of the liabilities of the Plan for that benefit. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.06 INFORMATION </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Each Member,
Beneficiary or other person entitled to a benefit, before any benefit shall be payable to him or her or on his or her account under the Plan, shall file with the Plan Administrator the information that it shall require to establish his or her rights
and benefits under the Plan. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.07 <FONT STYLE="white-space:nowrap">TOP-HEAVY</FONT> PROVISIONS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>General.</B> For purposes of this Section, the Plan shall be <FONT STYLE="white-space:nowrap">&#147;top-heavy&#148;</FONT> with respect
to any Plan Year if as of the applicable determination date, the <FONT STYLE="white-space:nowrap">top-heavy</FONT> ratio exceeds 60&nbsp;percent. The <FONT STYLE="white-space:nowrap">top-heavy</FONT> ratio shall be determined as of the applicable
Valuation Date in accordance with Code Sections 416(g)(3) and (4)&nbsp;and Article V, and shall take into account any contributions made after the applicable Valuation Date but </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">79 </P>

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before the last day of the Plan Year in which the applicable Valuation Date occurs. For purposes of determining whether the Plan is <FONT STYLE="white-space:nowrap">top-heavy,</FONT> the account
balances under the Plan will be combined with the account balances or the present value of accrued benefits under each other plan in the required aggregation group, and, in the Employer&#146;s discretion, may be combined with the account balances or
the present value of accrued benefits under any other qualified plan in the permissive aggregation group. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Minimum Benefits.</B> For
any Plan Year with respect to which the Plan is <FONT STYLE="white-space:nowrap">top-heavy</FONT> an additional Employer contribution shall be allocated on behalf of each Member (and each Employee eligible to become a Member) who is a <FONT
STYLE="white-space:nowrap">non-key</FONT> employee, and who has not separated from service as of the last day of the Plan Year, to the extent that the contributions made on his or her behalf under Section&nbsp;3.04 for the Plan Year would otherwise
be less than 3% of his or her Testing Compensation. However, if the greatest percentage of Testing Compensation contributed on behalf of a key employee under Sections 3.01, 3.03 and 3.04 for the Plan Year would be less than 3%, that lesser
percentage shall be substituted for &#147;3%&#148; in the preceding sentence. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) Company Matching Contributions shall be
taken into account for purposes of satisfying the minimum contribution requirements of Code Section&nbsp;416(b)(2) and the Plan. Company Matching Contributions that are used to satisfy the minimum contribution requirements shall be treated as
matching contributions for purposes of the ACP test and other requirements of Code Section&nbsp;401(m). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2)
Notwithstanding the foregoing provisions of this subsection (b), no minimum contribution shall be made under this Plan with respect to a Member (or an Employee eligible to become a Member) if the required minimum benefit under Code
Section&nbsp;416(c)(1) is provided to him or her by any other qualified pension plan of the Employer or an Affiliate. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c)
<B>Definitions.</B> The following definitions apply to the terms used in this Section: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) &#147;applicable determination
date&#148; means the last day of the preceding Plan Year; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <FONT STYLE="white-space:nowrap">&#147;top-heavy</FONT>
ratio&#148; means the ratio of (A)&nbsp;the value of the aggregate of the Accounts under the Plan for key employees to (B)&nbsp;the value of the aggregate of the Accounts under the Plan for all key employees and
<FONT STYLE="white-space:nowrap">non-key</FONT> employees; provided, however, that, if an Employee has not performed any services for the Employer at any time during the one year period ending on the applicable Valuation Date, the Account of that
Employee shall not be considered in determining the <FONT STYLE="white-space:nowrap">top-heavy</FONT> ratio; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) &#147;key
employee&#148; means an employee who is in a category of employees determined in accordance with the provisions of Code Sections 416(i)(1) and (5)&nbsp;and any regulations thereunder, and where applicable, on the basis of the Employee&#146;s Testing
Compensation from the Employer or an Affiliate; </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">80 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <FONT STYLE="white-space:nowrap">&#147;non-key</FONT> employee&#148;
means any Employee who is not a key employee; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(5) &#147;applicable Valuation Date&#148; means the Valuation Date
coincident with or immediately preceding the last day of the preceding Plan Year; </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(6) &#147;required aggregation
group&#148; means an aggregation group consisting of all Employer- or Affiliate-maintained qualified plans that have a key employee as a Member during the Plan Year containing the determination date or any of the four preceding Plan Years. In
addition, the required aggregation group contains each other Employer- or Affiliate-maintained qualified plan that enables any qualified plan described in the preceding sentence to meet the requirements of Code Sections 401(a)(4) or 410. Any
Employer- or Affiliate-maintained qualified plan that terminated within the <FONT STYLE="white-space:nowrap">one-year</FONT> period ending on the applicable determination date must be taken into account; and </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(7) &#147;permissive aggregation group&#148; means each plan in the required aggregation group and any other qualified plan(s)
of the Employer or an Affiliate in which all members are <FONT STYLE="white-space:nowrap">non-key</FONT> employees, if the resulting aggregation group continues to meet the requirements of Code Sections 401(a)(4) and 410. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(d) <B>Interests Measured.</B> An individual&#146;s interest in a defined contribution plan is equal to his or her account balance for that
plan as of the determination date. The account balances of an Employee as of the determination date shall be (1)&nbsp;increased by the distributions made with respect to the Employee under the Plan and any plan aggregated with the Plan under Code
Section&nbsp;416(g)(2) during the <FONT STYLE="white-space:nowrap">one-year</FONT> period ending on the determination date. In the case of a distribution made for a reason other than severance from employment, death, or Disability, subsection
(1)&nbsp;shall be applied by substituting &#145;&#145;five-year period&#148; for <FONT STYLE="white-space:nowrap">&#147;one-year</FONT> period&#148;; and (2)&nbsp;decreased by any <FONT STYLE="white-space:nowrap">catch-up</FONT> contributions under
Section&nbsp;3.01(e) and Code Section&nbsp;414(v). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(e) <B><FONT STYLE="white-space:nowrap">Top-Heavy</FONT> Determination.</B> If, at any
time during the <FONT STYLE="white-space:nowrap">one-year</FONT> period ending on the applicable determination date, an individual has not performed services for an Employer or Affiliate maintaining this Plan or a plan that is a part of this
Plan&#146;s aggregation group, the interest of such individual is not taken into account for purposes of this section. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.08 UNCLAIMED BENEFITS
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan Administrator shall make a diligent search to locate all Members and Beneficiaries entitled to payments under this Plan. In
the event that a Member or a Beneficiary entitled to benefits hereunder cannot be located by diligent efforts of the Plan Administrator, or does not cash or deposit their distribution check, within a reasonable time after such benefits become
payable or after such check is delivered, as determined by the Plan Administrator, amounts that would have been payable shall be deemed to be a forfeiture, and used to pay Plan expenses or reduce subsequent contribution obligations of the Employers.
If the identity or whereabouts of a person entitled to such benefits is later determined to the satisfaction of the Plan Administrator, the amount previously treated as a forfeiture shall be reinstated by the Employer and payments made accordingly.
</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">81 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.09 SEVERABILITY </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event that any provision of this Plan is held invalid or illegal for any reason, such invalidity or illegality shall not affect the
remaining parts of the Plan and the Plan shall be enforced and construed as if such provision had never been inserted herein. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>12.10 CONSTRUCTION
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Applicable Law.</B> The Plan shall be construed, regulated and administered under the laws of the State of Florida, to the
extent not preempted by ERISA. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Context.</B> Unless the context clearly indicates to the contrary, in reading this document the
singular shall include the plural and the masculine shall include the feminine. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Text.</B> The titles and headings of the Articles
and Sections of this Plan are for convenience only. In the case of ambiguity or inconsistency, the text rather than the titles or headings shall control. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">82 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>ARTICLE XIII </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>AMENDMENT, MERGER AND TERMINATION </B></P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.01 AMENDMENT OF PLAN </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Authority
to Amend.</B> CSX reserves the right at any time and from time to time, and for any reason, by action of the Board of Directors, to modify, alter or amend in whole or in part any or all of the provisions of the Plan or the Trust Agreement,
prospectively or retroactively if deemed necessary or appropriate, by a majority vote of its members at a meeting, by unanimous consent in lieu of a meeting, or in any other manner permissible under Florida law. In addition, the Board of Directors
may delegate all or part of the authority to amend the Plan or its concomitant Trust to the Compensation Committee of the Board of Directors which may in turn further delegate such authority as it deems appropriate to the Chairman, President and
Chief Executive Officer or Senior Human Resources Officer of CSX. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Restrictions.</B> However, no amendment shall make it possible
for any part of the Trust Assets of the Plan to be used for, or diverted to, purposes other than for the exclusive benefit of persons entitled to benefits under the Plan. No amendment shall be made which has the effect of decreasing the balance of
the Accounts of any Member or of reducing the nonforfeitable percentage of the balance of the Accounts of a Member below the nonforfeitable percentage computed under the Plan as in effect on the date on which the amendment is adopted or, if later,
the date on which the amendment becomes effective. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(c) <B>Participating Employers.</B> In the event CSX amends this Plan by action of its
Board of Directors, or otherwise, each Employer shall be bound by the terms of such amendment without further action. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.02 MANDATORY AMENDMENTS.
</B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Notwithstanding the provisions of this Article XIII, or of any other provisions of this Plan, any amendment may be made,
retroactively, if necessary, which CSX deems necessary or appropriate to conform the Plan to, or to satisfy the conditions of, any law, government regulation or ruling, and to permit the Plan to meet the requirements for qualification under Code
Section&nbsp;4975(e)(7) and 401, and to permit the Trust to meet the requirements for <FONT STYLE="white-space:nowrap">tax-exempt</FONT> status under Code Section&nbsp;501. In the event that a favorable determination letter from the Internal Revenue
Service is not obtained with respect to the adoption of the amended Plan, then the amended Plan shall be declared null and void and the Plan in effect prior to the amendment shall continue in full force and effect. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.03 MERGER OR CONSOLIDATION </B></P> <P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">The Plan
may not be merged or consolidated with, and its Trust Assets or liabilities may not be transferred to, any other plan unless each person entitled to benefits under the Plan would, if the resulting plan were then terminated, receive a benefit
immediately after the merger, consolidation, or transfer which is equal to or greater than the benefit he would have been entitled to receive immediately before the merger, consolidation, or transfer if the Plan had then terminated. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">83 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.04 ADDITIONAL EMPLOYERS </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(a) <B>Adoption of Plan.</B> If any company is or becomes a subsidiary of or associated with CSX, the Board of Directors, the Compensation
Committee or the Compensation Committee&#146;s delegate may include the employees of that subsidiary or associated company in the membership of the Plan upon appropriate action by that company necessary to adopt the Plan. By adopting the Plan, such
subsidiary or associated company shall be deemed to have delegated to the Board of Directors the sole authority to amend, merge or otherwise modify the Plan, except to the extent such authority has been delegated to the Compensation Committee or its
delegate. Such Employer&#146;s employees shall be subject to the terms of the Plan; provided, however, that by a written addendum to the Plan certain employees employed in one or more specified divisions, plants, locations or other identifiable
employee groups may be excluded from membership in the Plan; and provided, further, that the terms and provisions of the Plan with respect to such employees may be modified or supplemented as described in such written addendum. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">(b) <B>Participating Employers.</B> Each Employer reserves the right to terminate its participation in the Plan prospectively or to
prospectively discontinue accruals under the Plan with respect to its otherwise eligible employees by action of its board of directors and in accordance with applicable law. Further, with the consent of the Board of Directors, the Compensation
Committee or the Compensation Committee&#146;s delegate, any entity participating in the Plan may, by action of its board of directors, withdraw from the Plan by giving six months&#146; advance notice of its intention to the Board of Directors, the
Compensation Committee or the Compensation Committee&#146;s delegate and the Trustee, unless a shorter notice period shall be agreed to in writing by the Board of Directors, the Compensation Committee or the Compensation Committee&#146;s delegate,
and the Trustee. The withdrawal of an Employer shall be effected in accordance with such terms and conditions as may be agreed upon by the Board of Directors, the Compensation Committee or the Compensation Committee&#146;s delegate, and the
withdrawing Employer under applicable law. Should the Board of Directors, the Compensation Committee or the Compensation Committee&#146;s delegate and the withdrawing Employer agree, the accrued benefits of affected Members shall continue to be held
under the Plan until distributed. </P> <P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.05 TERMINATION OF PLAN </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">CSX may terminate the Plan or completely discontinue contributions under the Plan for any reason at any time by action of the Board of
Directors, the Compensation Committee or the Compensation Committee&#146;s delegate in accordance with the procedures set forth in Section&nbsp;13.01, by delivering to the Plan Administrator, the Benefit Appeals Committee and the Investment
Committee written notice of such termination and by further informing the Trustee by written notice of such termination. In case of termination or partial termination of the Plan, or complete discontinuance of Employer contributions to the Plan, the
rights of affected Members to their Accounts under the Plan as of the date of the termination or discontinuance shall be nonforfeitable. The total amount in each Member&#146;s Accounts shall be distributed in a single lump sum, as the Plan
Administrator shall direct, to him or her or for his or her benefit or continued in trust for his or her benefit. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">84 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman"><B>13.06 DISTRIBUTION UPON TERMINATION </B></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">In the event of termination of the Plan pursuant to Section&nbsp;13.05 and to the extent allowed by law, the Trust Assets then held in Trust
under the Plan shall be distributed to the Members in accordance with Article IX in a single lump sum, either, in the sole discretion of the Plan Administrator, upon an actual severance from employment of the Members as determined by the Plan
Administrator or as if a severance from employment of the Members, as determined by the Plan Administrator, occurred as of the date the Plan terminated; provided, however, that, in the sole discretion of CSX, no such distribution shall be made prior
to the date CSX receives a favorable determination letter with respect to the qualified status of the Plan at the time of its termination. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">85 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION I </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Corrective
Distribution of Excess Contributions</U>. For each Member who is a Highly Compensated Employee as to his or her portion (if any) of the Excess Contributions, the Plan Administrator may cause the Trustee to distribute up to the entire amount of that
Member&#146;s portion of the Excess Contributions. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The amount of <FONT STYLE="white-space:nowrap">Pre-Tax</FONT>
Contributions and/or Roth Contributions made on behalf of some or all Highly Compensated Employees shall be uniformly reduced as follows: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) The <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions of the Highly Compensated
Employee with the highest dollar amount of such contributions shall be reduced by the amount required to cause that Highly Compensated Employee&#146;s <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions to equal
the dollar amount of the <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions of the Highly Compensated Employee with the next highest dollar amount of such contributions. This amount is then distributed to the
Highly Compensated Employee with the highest dollar amount. If a lesser reduction, when added to the total dollar amount already distributed under this step, would equal the total Excess Contributions, the lesser reduction amount is applied. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) This process in step (A)&nbsp;shall be repeated in descending order until all of the total Excess Contributions have been
distributed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions and/or Roth Contributions subject to
distribution under this Appendix A, Section I, together with earnings (as used in Section&nbsp;3.09, gain or loss, as determined in accordance with regulations prescribed by the Secretary of the Treasury under the provisions of Code Sections 402(g),
401(k) and 401(m)), shall be paid to the Member before the close of the Plan Year following the Plan Year in which the Excess Contributions were made, and to the extent practicable, within 2<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB
STYLE="vertical-align:bottom">2</SUB> months of the close of the Plan Year in which the Excess Contributions were made. <FONT STYLE="white-space:nowrap">Pre-Tax</FONT> Contributions shall be paid to the Member before Roth Contributions. However, any
Excess Contributions to be returned under this Section (I)&nbsp;for any Plan Year shall be reduced by any Excess Deferrals previously returned to the Member for the calendar year ending within that Plan Year. In the event any Excess Contributions
returned under this Section (I) were matched by Employer contributions, such corresponding Company Matching Contributions, with earnings thereon, shall be distributed to the Member. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">86 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Allocation of Gap Period Earnings</U>. Notwithstanding any other provision of the Plan to
the contrary, the earnings allocable to Excess Contributions are equal to the sum of the allocable gain or loss for the Plan Year and, to the extent Excess Contributions are or will be credited with earnings for the gap period (i.e., the period
after the close of the Plan Year and prior to the distribution) if the total Account were to be distributed, the allocable gain or loss during that period (or a date no more than seven days before the date of distribution). Within 12 months after
the close of the Plan Year in which the Excess Contributions arose, the Plan shall distribute to each Highly Compensated Employee the Excess Contributions apportioned to such Highly Compensated Employee and the allocable earnings. The earnings
allocable to Excess Contributions shall be determined based on any reasonable method selected by the Employer on a <FONT STYLE="white-space:nowrap">non-discriminatory</FONT> basis with respect to all similarly situated Members. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Excess Contributions shall be adjusted for earnings up to the last day of the Plan Year without considering the gap period (the period between
the end of the Plan Year and the date of distribution) or any adjustment for earnings during the gap period. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>No
Requirement for Recalculation</U>. If these distributions are made, the Plan is treated as meeting the nondiscrimination test of Code Section&nbsp;401(k)(3) regardless of whether the ADP test, if recalculated after distributions, would satisfy Code
Section&nbsp;401(k)(3). </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>Taxation of Distributions</U>. Excess Contributions (and earnings) distributed to a Member
shall be includible in the Member&#146;s gross income, if applicable, for the tax year in which distributed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>De
Minimis</U> <U>Distributions</U>. If total Excess Contributions and Excess Aggregate Contributions for a Plan Year are less than $100 (excluding earnings), the corrective distribution of Excess Contributions and earnings is includible as gross
income of the Member in the taxable year in which the distribution is made. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4) <U>No Consent Required</U>. A distribution
of Excess Contributions and earnings may be made without regard to any notice and consent otherwise required under Code Sections 411(a)(11) and 417. </P>
<P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Excess Contributions Recharacterized as <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and/or <FONT
STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions</U>. If a Member is eligible to make <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contributions and/or <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth Contributions under
Section&nbsp;3.01(e) and Code Section&nbsp;414(v), any Excess Contribution for such Member shall be recharacterized as a <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Contribution and/or <FONT STYLE="white-space:nowrap">Catch-Up</FONT> Roth
Contribution, as applicable, for the Plan Year in which the Excess Contribution was made, up to the applicable limit. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">87 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>APPENDIX A </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center"><B>SECTION II </B></P> <P STYLE="margin-top:12pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman"><U>Avoiding or
Correcting Excess Aggregate Contributions</U>. If the Plan Administrator determines that the limitations under Section&nbsp;3.09(c) have been exceeded in any Plan Year, the provisions set forth in this Appendix A, Section II shall apply: </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) The amount of Company Matching Contributions made by or on behalf of some or all Highly Compensated Employees in the Plan
Year shall be reduced as follows: </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(A) The Company Matching Contributions of the Highly Compensated Employee with the
highest total dollar amount of such contributions shall be reduced by the amount required to cause that Highly Compensated Employee&#146;s Company Matching Contributions to equal the dollar amount of such contributions of the Highly Compensated
Employee with the next highest total dollar amount of such contributions. This amount is then distributed to the Highly Compensated Employee with the highest dollar amount. If a lesser reduction, when added to the total dollar amount already
distributed under this step, would equal the total Excess Aggregate Contributions, the lesser reduction amount is applied. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:9%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(B) This process in step (A)&nbsp;shall be repeated in descending order until all of the total Excess Aggregate Contributions
have been distributed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) Any repayment of Excess Aggregate Contributions shall be made before the close of the Plan Year
following the Plan Year for which those contributions were made, and to the extent practicable shall be made within 2<SUP STYLE="vertical-align:top">1</SUP>&#8260;<SUB STYLE="vertical-align:bottom">2</SUB> months of the close of the Plan Year in
which the contributions were made. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(3) <U>Taxation of Distributions</U>. Excess Aggregate Contributions (and earnings)
distributed to a Member are includible in the Member&#146;s gross income in the taxable year in which distributed. </P> <P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(4)
<U>Allocation of Gap Period Earnings</U>. Excess Aggregate Contributions shall be adjusted for earnings up to the date of distribution (i.e., the gap period) (or a date no more than seven days before the date of distribution). The earnings allocable
to Excess Aggregate Contributions shall be determined based on any reasonable method selected by the Employer on a <FONT STYLE="white-space:nowrap">non-discriminatory</FONT> basis with respect to all similarly situated Members. Within 12 months
after the close of the Plan Year in which the Excess Aggregate Contributions arose, the Plan shall distribute to each Highly Compensated Employee the Excess Aggregate Contributions apportioned to such Highly Compensated Employee and the allocable
earnings. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">88 </P>

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 <P STYLE="margin-top:0pt; margin-bottom:0pt; text-indent:4%; font-size:10pt; font-family:Times New Roman">Excess Aggregate Contributions shall be adjusted for allocable earnings up to the last day
of the Plan Year without considering the gap period (the period between the end of the Plan Year and the date of distribution) or any adjustment for allocable earnings during the gap period. </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(1) <U>No Requirement for Recalculation</U>. If these distributions are made, the Plan is treated as meeting the
nondiscrimination test of Code Section&nbsp;401(m)(2) regardless of whether the ACP test, if recalculated after distributions, would satisfy Code Section&nbsp;401(m)(2). </P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; margin-left:4%; text-indent:4%; font-size:10pt; font-family:Times New Roman">(2) <U>No Consent Required</U>. A distribution of Excess Aggregate Contributions (and income and earnings thereon) may be made
without regard to any notice and consent otherwise required under Code Sections 411(a)(11) and 417. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>CSX Corporation 401(k)
Plan </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>Plan No. 003 </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="right"><B>January 1, 2020 </B></P> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Times New Roman" ALIGN="center">89 </P>

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