<SEC-DOCUMENT>0000920371-15-000162.txt : 20151215
<SEC-HEADER>0000920371-15-000162.hdr.sgml : 20151215
<ACCEPTANCE-DATETIME>20151215171544
ACCESSION NUMBER:		0000920371-15-000162
CONFORMED SUBMISSION TYPE:	S-8 POS
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20151215
DATE AS OF CHANGE:		20151215
EFFECTIVENESS DATE:		20151215

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SIMPSON MANUFACTURING CO INC /CA/
		CENTRAL INDEX KEY:			0000920371
		STANDARD INDUSTRIAL CLASSIFICATION:	CUTLERY, HANDTOOLS & GENERAL HARDWARE [3420]
		IRS NUMBER:				943196943
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8 POS
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-173811
		FILM NUMBER:		151289225

	BUSINESS ADDRESS:	
		STREET 1:		5956 W LAS POSITAS BLVD
		CITY:			PLEASANTON
		STATE:			CA
		ZIP:			94588
		BUSINESS PHONE:		9255609000

	MAIL ADDRESS:	
		STREET 1:		5956 W LAS POSITAS BLVD
		CITY:			PLEASANTON
		STATE:			CA
		ZIP:			94588
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8 POS
<SEQUENCE>1
<FILENAME>forms-82015pro401k.htm
<DESCRIPTION>S-8 POS
<TEXT>
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		<title>S-8 POS</title>
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<a name="sD1EDDFA36270A625D57D481BD62A9A3B"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">As filed with the Securities and Exchange Commission on </font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December&#160;15, 2015</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Registration No. 333-173811</font></div><div style="line-height:120%;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">UNITED STATES</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SECURITIES AND EXCHANGE COMMISSION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Washington, D.C. 20549</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">___________________________</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">Post-Effective Amendment No.&#160;1 </font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">to</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font><font style="font-family:inherit;font-size:18pt;font-weight:bold;">FORM&#160;S-8</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">REGISTRATION STATEMENT</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">UNDER</font></div><div style="line-height:120%;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;font-weight:bold;">THE SECURITIES ACT OF 1933</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">___________________________</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:18pt;"><font style="font-family:inherit;font-size:18pt;font-weight:bold;">SIMPSON MANUFACTURING CO.,&#160;INC.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Exact Name of Registrant as Specified in Its Charter)</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td width="48%"></td><td width="4%"></td><td width="48%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Delaware</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;font-weight:bold;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">94-3196943</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(State or Other Jurisdiction of Incorporation or</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Organization)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(I.R.S. Employer Identification No.)</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">5956 W. Las Positas Boulevard</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pleasanton, CA 94588</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(925) 560-9000</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Address,&#160;Including Zip Code, and Telephone Number,&#160;Including Area Code, of Registrant&#8217;s Principal Executive</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Offices)</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">___________________________</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Full title of the plan)</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">___________________________</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Brian J. Magstadt</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Chief Financial Officer</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Simpson Manufacturing Co.,&#160;Inc.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">5956 W. Las Positas Boulevard</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pleasanton, CA 94588</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(925) 560-9000</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Name, address, including zip code, and telephone number, including area code, of agent for service)</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;text-decoration:underline;">___________________________</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><br><div></div><hr style="page-break-after:always"><a name="sD1EDDFA36270A625D57D481BD62A9A3B"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">With a copy to:</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">P Rupert Russell,&#160;Esq.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Shartsis Friese LLP</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">One Maritime Plaza</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Eighteen Floor</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">San Francisco, CA 94111</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(415) 421-6500</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company.&#160; See the definitions of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer&#8221; and &#8220;smaller reporting company&#8221; in Rule&#160;12b-2 of the Exchange Act.</font></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td width="49%"></td><td width="4%"></td><td width="47%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Check one):</font></div></td><td 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Accelerated filer&#160;</font><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accelerated filer&#160;</font><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Smaller reporting company&#160;</font><font style="font-family:Wingdings;font-size:10pt;">o</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(Do not check if a smaller reporting company)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">CALCULATION OF REGISTRATION FEE</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24"></td></tr><tr><td width="22%"></td><td width="1%"></td><td width="20%"></td><td width="1%"></td><td width="10%"></td><td width="1%"></td><td width="1%"></td><td width="1%"></td><td width="7%"></td><td width="1%"></td><td width="1%"></td><td width="3%"></td><td width="1%"></td><td width="1%"></td><td width="1%"></td><td width="11%"></td><td width="1%"></td><td width="1%"></td><td width="3%"></td><td width="1%"></td><td width="1%"></td><td width="1%"></td><td width="8%"></td><td width="1%"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Title&#160;of&#160;Securities&#160;to&#160;Be&#160;Registered</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Title&#160;of&#160;Plan</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount&#160;to</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Be&#160;Registered&#160;(1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Proposed</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Maximum</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Offering</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Price&#160;Per</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Share</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Proposed</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Maximum</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Aggregate</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Offering&#160;Price</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:3px double #000000;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount&#160;of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Registration</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fee&#160;(2)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Common stock, par value $0.01</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Salaried Employees</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,000,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">27.91</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">27,910,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,240.35</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Common stock, par value $0.01</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Hourly Employees</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(5)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">400,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">27.91</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,164,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,296.14</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,400,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">39,074,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,536.49</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This registration statement, pursuant to Rule&#160;416 under the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;), covers an indeterminate number of additional shares of Common Stock with respect to the shares registered hereunder in the event of a stock split, stock dividend or similar transaction.&#160; In addition, pursuant to Rule&#160;416(c)&#160;under the Securities Act, this registration statement also covers an indeterminate amount of interests to be offered or sold pursuant to the Restated Plan.  This registration statement also covers the resale by certain selling stockholders named in the Prospectus included in and filed with this Form S-8 of certain shares of the Company&#8217;s Common Stock subject to this registration statement, for which no additional registration fee is required pursuant to Rule 457(h)(3).</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2)  Computed in accordance with Rule 457(h), based on the maximum number of shares of Common Stock issuable under the Restated Plan and that were registered under the Registration Statement.  These fees have already been paid.</font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3)  The Salaried Employees Plan has been amended, restated and superseded by the Restated Plan.  </font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4)  Estimated (at the time the Registration Statement on Form S-8 (SEC File No. 333-173811) was filed on April&#160;29, 2011) solely for the purpose of computing the registration fee pursuant to Rule 457(h), based on the average of the high and low prices of the Common Stock of Simpson Manufacturing Co., Inc. on April&#160;25, 2011, as reported on the New York Stock Exchange.  </font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:24px;text-indent:-24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(5)  The Hourly Employees Plan has been merged with and incorporated into the Restated Plan.  </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;"><hr></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><a name="sD1EDDFA36270A625D57D481BD62A9A3B"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXPLANATORY NOTE</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company filed a Form S-8 Registration Statement (File No. 333-173811) on April 29, 2011 (the &#8220;Registration Statement&#8221;) to register 1,000,000 shares of the Company&#8217;s Common Stock reserved for issuance under the Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Salaried Employees (the &#8220;Salaried Employees Plan&#8221;) and 400,000 shares of the Company&#8217;s Common Stock reserved for issuance under the Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Hourly Employees (the &#8220;Hourly Employees Plan&#8221;).  </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Effective on January 1, 2015, (a) the Salaried Employees Plan was amended, restated and superseded by The Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan (the &#8220;Restated Plan&#8221;), and (b) the Hourly Employees Plan was merged with and incorporated into the Restated Plan.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Post-Effective Amendment is being filed solely to reflect the adoption of the Restated Plan and the resulting amendment and restatement of the Salaried Employees Plan and the merger and incorporation of the Hourly Employees Plan into the Restated Plan, to include the Restated Plan as an exhibit to the Original Registration Statement and to revise the reoffer prospectus to reflect such changes.  </font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><a name="sFBFB05A3C7DAFF3A18B3481BD840BFC5"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">REOFFER PROSPECTUS</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SIMPSON MANUFACTURING CO.,&#160;INC.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">5956 W. Las Positas Boulevard</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Pleasanton, CA 94588</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">(925)&#160;560-9000</font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">1,400,000 SHARES</font></div><div style="line-height:120%;padding-bottom:6px;padding-top:6px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">COMMON STOCK</font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Prospectus relates to shares (the &#8220;Shares&#8221;) of Common Stock, par value $0.01 per share (the &#8220;Common Stock&#8221;), of Simpson Manufacturing Co.,&#160;Inc., a Delaware corporation (the &#8220;Company&#8221;), which have been or may be offered and sold from time to time by (a) The Charles Schwab Trust Company, acting as trustee of Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Salaried Employees (the &#8220;Salaried Employees Plan&#8221;), (b)&#160;The Charles Schwab Trust Company, acting as trustee of Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Hourly Employees (the &#8220;Hourly Employees Plan&#8221;), (c)&#160;The Charles Schwab Trust Company, acting as trustee of Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan (the &#8220;Restated Plan&#8221;), and (d) certain stockholders of the Company (the &#8220;Selling Stockholders&#8221;) who have acquired such Shares pursuant to the Salaried Employees Plan or who hereafter acquire such Shares pursuant to the Restated Plan.  The Salaried Employees Plan was amended, restated and superseded by the Restated Plan, and the Hourly Employees Plan was merged with and incorporated into the Restated Plan.  See &#8220;Selling Stockholders.&#8221;  The Company&#8217;s Common Stock is traded on the New York Stock Exchange (&#8220;NYSE&#8221;) under the symbol &#8220;SSD.&#8221;  On </font><font style="font-family:inherit;font-size:10pt;">December&#160;14, 2015</font><font style="font-family:inherit;font-size:10pt;">, the last reported sale price of the Common Stock on the NYSE was </font><font style="font-family:inherit;font-size:10pt;">$33.80</font><font style="font-family:inherit;font-size:10pt;">&#32;per share.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company is not aware of any present intention of any individual Selling Stockholder to sell any Shares, and it is possible that no individual Selling Stockholder will sell Shares except in connection with the liquidation of such Selling Stockholder&#8217;s position in the Restated Plan.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company will not receive any of the proceeds from sales of the Shares by any of the Selling Stockholders. The Shares may be offered from time to time by any or all of the Selling Stockholders through the Restated Plan, ordinary brokerage transactions, in negotiated transactions or in other transactions, at such prices as he or she may determine, which may relate to market prices prevailing at the time of sale or be a negotiated price.  See &#8220;Plan of Distribution.&#8221;  All costs, expenses and fees in connection with the registration of the Shares have been borne by the Company or the Restated Plan.  Brokerage commissions and similar selling expenses, if any, in the offer or sale of Shares directly by any Selling Stockholder will be borne by the Selling Stockholder</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Each Selling Stockholder and any broker executing selling orders on behalf of a Selling Stockholder may be deemed to be an &#8220;underwriter&#8221; as defined in the Securities Act of 1933, as amended (the &#8220;Securities Act&#8221;). </font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:10pt;">If any broker-dealers are used to effect sales, any commissions paid to broker-dealers and, if broker-dealers purchase any of the Shares as principals, any profits received by such broker-dealers on the resale of the Shares, may be deemed to be underwriting discounts or commissions under the Securities Act.  In addition, any profits realized by the Selling Stockholders may be deemed to be underwriting commissions.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">NEITHER THE SECURITIES AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES COMMISSION HAS APPROVED OR DISAPPROVED THESE SECURITIES OR DETERMINED WHETHER THIS PROSPECTUS IS TRUTHFUL OR COMPLETE. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL OFFENSE.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The information in this Prospectus may be changed.  None of the Selling Stockholders may sell the Shares until the registration statement filed with the Securities and Exchange Commissions is effective. This Prospectus is not an offer to sell the Shares and it is not soliciting an offer to buy the Shares in any state where the offer or sale is not permitted.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">THE DATE OF THIS PROSPECTUS IS&#160;</font><font style="font-family:inherit;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;color:#000000;font-weight:normal;">DECEMBER 15, 2015</font></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><a name="sFBFB05A3C7DAFF3A18B3481BD840BFC5"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">USE OF PROCEEDS</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company will not receive any proceeds from this offering.  All proceeds from sales of the Shares offered by this Prospectus will be for the accounts of the Selling Stockholders.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">SELLING STOCKHOLDERS</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table sets forth (a)&#160;the name and position or positions with the Company of each Selling Stockholder; (b)&#160;the number of shares of Common Stock beneficially owned (as such term is defined in Rule&#160;13d-3 under the Securities Exchange Act of 1934, as amended (the "Exchange Act")) by each Selling Stockholder as of the date of this Prospectus; (c)&#160;the number of Shares that each Selling Stockholder may offer for sale from time to time pursuant to this Prospectus, whether or not such Selling Stockholder has a present intention to do so; and (d)&#160;the number of shares of Common Stock to be beneficially owned by each Selling Stockholder following the sale of all Shares that may be so offered, assuming no other change in the beneficial ownership of the Company&#8217;s Common Stock by such Selling Stockholder after the date of this Prospectus.  The Company is unaware of any Selling Stockholder who has a present intention to offer Shares for sale pursuant to this Prospectus. Unless otherwise indicated, beneficial ownership is direct and the person indicated has sole voting and investment power.  No Selling Stockholder owns more than 1% of the Company&#8217;s Common Stock .</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Inclusion of an individual or entity&#8217;s name in the table below does not constitute an admission that such individual is an &#8220;affiliate&#8221; of the Company. </font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="18"></td></tr><tr><td width="24%"></td><td width="1%"></td><td width="24%"></td><td width="1%"></td><td width="3%"></td><td width="9%"></td><td width="1%"></td><td width="3%"></td><td width="1%"></td><td width="3%"></td><td width="9%"></td><td width="1%"></td><td width="3%"></td><td width="1%"></td><td width="3%"></td><td width="9%"></td><td width="1%"></td><td width="3%"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Shares</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Principal</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Shares</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Beneficially</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Position(s) with</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Beneficially</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Shares Offered</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Owned After the</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Selling Stockholder</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">the Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Owned (1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">for Resale (2)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Resale (3)</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Karen Colonias</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chief Executive Officer</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,313</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,339</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,313</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Brian J. 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">393</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">394</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">393</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Roger Dankel</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">President of North American Sales, Simpson Strong-Tie Company, Inc.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,978</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,993</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,978</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Ricardo M. Arevalo</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chief Operating Officer, Simpson Strong-Tie Company, Inc.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td 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style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Jeffrey E. 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style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Thomas J Fitzmyers</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Vice-Chairman</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font 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style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#8212;</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div 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As a result, &#8220;Shares Beneficially Owned&#8221; may not reflect all of the Shares that may be sold pursuant to this Prospectus.  Unless otherwise indicated below, the persons named in the table had sole voting and sole investment power with respect to all shares beneficially owned, subject to community property laws where applicable.</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2)</font></div></td><td colspan="2" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Includes estimated purchases, which may or may not occur, of shares to be acquired through regular contributions to the Restated Plan for an indeterminate number of years.  The aforementioned shares are not reflected in the column entitled "Shares Beneficially Owned" or in the column entitled "Shares Beneficially Owned After the Resale."</font></div></td></tr></table></div></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></div><hr style="page-break-after:always"><a name="sFBFB05A3C7DAFF3A18B3481BD840BFC5"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td width="6%"></td><td width="21%"></td><td width="73%"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td colspan="2" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The number of &#8220;Shares Beneficially Owned After the Resale&#8221; assumes no change in the beneficial ownership of the Company&#8217;s Common Stock by such Selling Stockholder after the date of this Prospectus other than shares, if any, that may be acquired or sold under the Restated Plan by such Selling Stockholder.</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PLAN OF DISTRIBUTION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The purpose of the Prospectus is to permit the Selling Stockholders, if they desire, to offer for sale and sell the Shares they acquired or may acquire pursuant to the Salaried Employees Plan and the Restated Plan at such times and at such places as the Selling Stockholders choose pursuant to the Salaried Employees Plan and the Restated Plan.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The decision to sell any Shares is within the discretion of the holders thereof, subject generally to the Company&#8217;s policies affecting the timing and manner of sale of Common Stock by certain individuals and the terms of the Salaried Employees Plan and the Restated Plan. There can be no assurance that any Shares will be sold by the Selling Stockholders.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Subject to the terms of the Salaried Employees Plan and the Restated Plan, each Selling Stockholder is free to offer and sell Shares at such times, in such manner and at such prices as such Selling Stockholder shall determine.  The Selling Stockholders have advised the Company that sales of Shares may be effected from time to time in one or more types of transactions (which may include block transactions) on the NYSE, within their Salaried Employees Plan and Restated Plan accounts, in the over-the-counter market, in negotiated transactions, or a combination of such methods of sale, at market prices prevailing at the time of sale, or at negotiated prices.  Such transactions may or may not involve brokers or dealers.  The Selling Stockholders have advised the Company that they have not entered into any agreements, understandings or arrangements with any underwriters or broker-dealers regarding the sale of Shares, nor is there an underwriter or coordinating broker acting in connection with any proposed sale of Shares by the Selling Stockholders.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Selling Stockholders may effect such transactions by selling Shares directly to purchasers or to or through broker-dealers, which may act as agents or principals. Such broker-dealers may receive compensation in the form of discounts, concessions or commissions from the Selling Stockholders or the purchasers of Shares for whom such broker-dealers may act as agents or to whom they sell as principal, or both (which compensation as to a particular broker-dealer might be in excess of customary commissions).</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Selling Stockholders and any broker-dealers that act in connection with the sale of Shares might be deemed to be &#8220;underwriters&#8221; within the meaning of section&#160;2(11) of the Securities Act, and any commissions received by such broker-dealers and any profit on the resale of the Shares sold by them while acting as principals might be deemed to be underwriting discounts or commissions under the Securities Act.  The Selling Stockholders may agree to indemnify any agent, dealer or broker-dealer that participates in transactions involving sales of the Shares against certain liabilities, including liabilities arising under the Securities Act.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Because the Selling Stockholders may be deemed to be &#8220;underwriters&#8221; within the meaning of Section&#160;2(11) of the Securities Act, the Selling Stockholders will be subject to the prospectus delivery requirements of the Securities Act, which may include delivery through the facilities of the NYSE pursuant to Rule&#160;153 under the Securities Act.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company has informed the Selling Stockholders that the anti-manipulative provisions of Regulation&#160;M promulgated under the Exchange Act may apply to their sales in the market.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Selling Stockholders also may resell all or a portion of the Shares in open market transactions in reliance on Rule&#160;144 under the Securities Act, if they meet the criteria and conform to the requirements of such Rule.  </font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">WHERE YOU CAN FIND MORE INFORMATION</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:10pt;">The Company files annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission, which the Company makes available, free of charge, on its website at www.simpsonmfg.com.</font><font style="font-family:inherit;font-size:12pt;">&#32;</font><font style="font-family:inherit;font-size:10pt;">You may also read and copy any materials the Company files with the Securities and Exchange Commission at the Securities and Exchange Commission's public reference room at 100 F Street, N.E., Washington, D.C. 20549.  You can request copies of these </font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6</font></div></div><hr style="page-break-after:always"><a name="sFBFB05A3C7DAFF3A18B3481BD840BFC5"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">documents by writing to the Securities and Exchange Commission and paying a fee for the copying cost. Please call the Securities and Exchange Commission at 1-800-SEC-0330 for more information about the operation of the public reference rooms. The Securities and Exchange Commission filings of the Company are also available at the Securities and Exchange Commission's website at </font><font style="font-family:inherit;font-size:10pt;color:#0000ff;text-decoration:underline;">http://www.sec.gov</font><font style="font-family:inherit;font-size:10pt;">.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Prospectus is part of a Registration Statement on Form&#160;S-8 that the Company has filed with the Securities and Exchange Commission under the Securities Act of 1933.  This Prospectus omits part of the Registration Statement, as permitted by the rules and regulations of the Securities and Exchange Commission.  You may inspect and copy the Registration Statement, including exhibits, at the Securities and Exchange Commission's public reference rooms or from its web site. Statements in this Prospectus about the contents of any contract or other document are not necessarily complete. You should refer to the copies of the documents filed as exhibits to the Registration Statement for complete information.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">INCORPORATION BY REFERENCE&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Securities and Exchange Commission allows the Company to incorporate by reference information that the Company files with the Securities and Exchange Commission, which means that the Company can disclose important information to you by referring you to those documents.  The information incorporated by reference is an important part of this Prospectus, and information that the Company files later with the Securities and Exchange Commission will automatically update and supersede this information.  The Company incorporates by reference the documents listed below and any future filings that the Company makes with the Securities and Exchange Commission under section&#160;13(a), 13(c), 14 or 15(d) of the Exchange Act prior to the termination of this offering:</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-left:48px;text-align:left;"><font style="text-align:left;font-family:inherit;font-size:10pt;padding-right:48px;">&#8226;</font><font style="font-family:inherit;font-size:10pt;">Annual Report on Form&#160;10-K for the year ended December&#160;31, 2014;&#160;</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Quarterly Reports on Form 10-Q for the quarters ended March 31, 2015 June 30, 2015 and September 30, 2015;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Current Reports on Form&#160;8-K filed on March 2, 2015, March 17, 2015, June 25, 2015, and September 22, 2015;&#160;and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The descriptions of the Common Stock set forth in our registration statement on Form 8-A filed on September 29, 1997 pursuant to section 12 of the Exchange Act, and any amendment or report filed for the purpose of updating those descriptions.</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:36px;text-indent:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company makes copies of these filings available, free of charge, on its website at www.simpsonmfg.com. You may also request a copy of these filings at no cost, by writing or telephoning the Company at the following address:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Simpson Manufacturing Co.,&#160;Inc.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5956 W. Las Positas Boulevard</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pleasanton, CA 94588</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(925)&#160;560-9000</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Prospectus is part of a Registration Statement that the Company filed with the Securities and Exchange Commission.  You should rely only on the information incorporated by reference or provided in this Prospectus, any prospectus supplement and the Registration Statement.  The Company has not authorized anyone to provide you with different information.  You should not assume that the information in this Prospectus and any prospectus supplement is accurate as of any date other than the date on the front of the document.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXPERTS</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The financial statements and management&#8217;s assessment of the effectiveness of internal control over financial reporting (which is included in Management&#8217;s Report on Internal Control over Financial Reporting) incorporated in this Prospectus by reference to the Annual Report on Form 10-K for the year ended December 31, 2014 have been so incorporated in reliance on the report of PricewaterhouseCoopers LLP, an independent registered public accounting firm, given on the authority of said firm as experts in auditing and accounting.</font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7</font></div></div><hr style="page-break-after:always"><a name="s6444B8B84655909CC8B3481BD872B1BD"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXPLANATORY NOTE</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">This Registration Statement on Form S-8 is being filed by Simpson Manufacturing Co., Inc. (the &#8220;Company&#8221;) relating to 1,400,000 shares of the Company&#8217;s Common Stock that may be offered and sold pursuant to the Restated Plan.  The shares being registered under this registration statement include 1,000,000 shares that have been previously offered and sold pursuant to the Salaried Employees Plan and 400,000 shares that have been previously offered and sold pursuant to the Hourly Employees Plan.  The shares of Common Stock being registered by this Registration Statement that relate to the Company&#8217;s Salaried Employees Plan and Hourly Employees Plan may be offered and sold again in the future to participants pursuant to the Restated Plan.  </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">PART&#160;II</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-weight:bold;">INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Item 3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Incorporation of Documents by Reference</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following documents have been previously filed by Simpson Manufacturing Co., Inc. 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Indemnification of Directors and Officers.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Certificate of Incorporation of the Company provides that a director will not be liable to the Company or its stockholders for monetary damages for breach of fiduciary duty as a director, except to the extent such exemption from liability or limitation thereof is not permitted under the Delaware General Corporation Law (the &#8220;GCL&#8221;) as the same exists or may hereafter be amended.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(a) provides that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action, suit or proceeding, whether civil, criminal, administrative or investigative (other than an action by or in the right of the corporation) by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against expenses (including attorneys&#8217; fees), judgments, fines and amounts paid in settlement actually and reasonably incurred by the person in connection with such action, suit or proceeding if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation, and, with respect to any criminal action or proceeding, had no reasonable </font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></div><hr style="page-break-after:always"><a name="s6444B8B84655909CC8B3481BD872B1BD"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">cause to believe the person&#8217;s conduct was unlawful. The termination of any action, suit or proceeding by judgment, order, settlement, conviction, or upon a plea of </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">nolo contendere</font><font style="font-family:inherit;font-size:10pt;">&#160;or its equivalent, shall not, of itself, create a presumption that the person did not act in good faith and in a manner which the person reasonably believed to be in or not opposed to the best interest of the corporation, and, with respect to any criminal action or proceeding, had reasonable cause to believe that the person&#8217;s conduct was unlawful.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(b) states that a corporation may indemnify any person who was or is a party or is threatened to be made a party to any threatened, pending or completed action or suit by or in the right of the corporation to procure a judgment in its favor by reason of the fact that the person is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise against expenses (including attorneys&#8217; fees) actually and reasonably incurred by the person in connection with the defense or settlement of such action or suit if the person acted in good faith and in a manner the person reasonably believed to be in or not opposed to the best interests of the corporation and except that no indemnification shall be made in respect of any claim, issue or matter as to which such person shall have been adjudged to be liable to the corporation unless and only to the extent that the Court of Chancery or the court in which such action or suit was brought shall determine upon application that, despite the adjudication of liability but in view of all the circumstances of the case, such person is fairly and reasonably entitled to indemnity for such expenses which the Court of Chancery or such other court shall deem proper.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(c) provides that to the extent that a present or former director or officer of a corporation has been successful on the merits or otherwise in defense of any action, suit or proceeding referred to in GCL sections 145 (a)&#160;and (b), or in defense of any claim, issue or matter therein, such person shall be indemnified against expenses (including attorneys&#8217; fees) actually and reasonably incurred by such person in connection therewith.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(d) states that any indemnification under GCL sections 145(a) and (b)&#160;(unless ordered by a court) shall be made by the corporation only as authorized in the specific case upon a determination that indemnification of the present or former director, officer, employee or agent is proper in the circumstances because the person has met the applicable standard of conduct set forth in GCL sections 145 (a)&#160;and (b). 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Such expenses (including attorneys&#8217; fees) incurred by former officers and directors or other employees and agents of the corporation or by persons serving at the request of the corporation as directors, officers, employees or agents of another corporation, partnership, joint venture, trust or other enterprise may be so paid upon such terms and conditions, if any, as the corporation deems appropriate.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(f) states that the indemnification and advancement of expenses provided by, or granted pursuant to, the other subsections of GCL section&#160;145 shall not be deemed exclusive of any other rights to which those seeking indemnification or advancement of expenses may be entitled under any bylaw, agreement, vote of stockholders or disinterested directors or otherwise, both as to action in such person&#8217;s official capacity and as to action in another capacity while holding such office.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(g) provides that a corporation shall have the power to purchase and maintain insurance on behalf of any person who is or was a director, officer, employee or agent of the corporation, or is or was serving at the request of the corporation as a director, officer, employee or agent of another corporation, partnership, joint venture, trust or other enterprise, against any liability asserted against him and incurred by such person in any such capacity, or arising out of such person&#8217;s status as such, whether or not the corporation would have the power to indemnify such person against such liability under the provisions of GCL section&#160;145.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">GCL section&#160;145(j) states that the indemnification and advancement of expenses provided by, or granted pursuant to, GCL section&#160;145 shall, unless otherwise provided when authorized or ratified, continue as to a person who has ceased to be a director, officer, employee or agent and shall inure to the benefit of the heirs, executors and administrators of such a person.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></div><hr style="page-break-after:always"><a name="s6444B8B84655909CC8B3481BD872B1BD"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">In addition, the Bylaws of the Company require that the Company indemnify its officers and directors to the maximum extent permissible under the GCL, including indemnification against any claims, damages or liabilities in connection with any acts or omissions other than those for which a director may not be relieved of liability as described in the preceding paragraph and other than in circumstances in which indemnity is expressly prohibited by GCL section&#160;145.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company has entered into agreements to indemnify the directors and officers of the Company and its subsidiaries, in addition to indemnification provided in the Company&#8217;s Bylaws. 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Exemptions from Registration Claimed.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Inapplicable.</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Item 8.&#160; Exhibits.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The exhibits to this registration statement are listed in the exhibit index that immediately precedes such exhibits and is incorporated herein by reference.  The Company undertakes that it will submit or has submitted the Plans and any amendments thereto to the Internal Revenue Service (the &#8220;IRS&#8221;) in a timely manner and has made or will make all changes required by the IRS in order to qualify the Plans under section 401 of the Internal Revenue Code of 1986, as amended.  </font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;font-weight:bold;">Item 9. Undertakings</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:48px;"><font style="font-family:inherit;font-size:10pt;">(a)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company hereby undertakes:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:144px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:96px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">To file, during any period in which offers or sales are being made, a post-effective amendment to this registration statement:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:192px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:144px;"><font style="font-family:inherit;font-size:10pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">to include any prospectus required by section&#160;10(a)(3)&#160;of the Securities Act;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:192px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:144px;"><font style="font-family:inherit;font-size:10pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">to reflect in the prospectus any facts or events arising after the effective date of the registration statement (or the most recent post-effective amendment thereof) which, individually or in the aggregate, represent a fundamental change in the information set forth in this registration statement. Notwithstanding the foregoing, any increase or decrease in volume of securities offered (if the total dollar value of securities offered would not exceed that which was registered) and any deviation from the low or high end of the estimated maximum offering range may be reflected in the form of prospectus filed with the Commission pursuant to Rule&#160;424(b)&#160;if, in the aggregate, the changes in volume and price represent no more than 20 percent change in the maximum aggregate offering price set forth in the &#8220;Calculation of Registration Fee&#8221; table in the effective registration statement; and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:192px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:10pt;padding-left:144px;"><font style="font-family:inherit;font-size:10pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">to include any material information with respect to the plan of distribution not previously disclosed in this registration statement or any material change to such information in this registration statement;</font></div></td></tr></table><div style="line-height:120%;padding-bottom:16px;text-align:left;padding-left:144px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">provided</font><font style="font-family:inherit;font-size:10pt;">,&#160;</font><font style="font-family:inherit;font-size:10pt;font-style:italic;">however</font><font style="font-family:inherit;font-size:10pt;">, that paragraphs (i)&#160;and (ii)&#160;above do not apply if the information required to be included in a post-effective amendment by those paragraphs is contained in reports filed with or furnished to the Commission by the registrant pursuant to section&#160;13 or section&#160;15(d)&#160;of the Exchange Act that are incorporated by reference in this registration statement.</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; 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style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td colspan="2" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Brian J. Magstadt</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Name:</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Brian J. Magstadt</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Title:</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chief Financial Officer, Treasurer and Secretary</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12</font></div></div><hr style="page-break-after:always"><a name="s0FA136A3B9098B3E8777481BD8C8CBDC"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">POWER OF ATTORNEY</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">KNOW ALL BY THESE PRESENTS, that each of the undersigned directors and officers of the Company, hereby nominate and appoint Brian J. Magstadt, as his or her agent and attorney-in-fact (the &#8220;Agent&#8221;), for the undersigned and in the undersigned&#8217;s name, place and stead, in any and all capacities (including the undersigned&#8217;s capacity as a director or officer of the Company), to sign a registration statement on Form S-8 under the Securities Act in connection with the registration under the Act of shares of the Company&#8217;s common stock issuable under the Plans, and any and all amendments (including post-effective amendments) to such registration statement, and to file the same, with all exhibits thereto, and other documents in connection therewith, with the Securities and Exchange Commission, granting unto the Agent full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection therewith, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying and confirming all that said attorney-in-fact and 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style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Karen Colonias</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">President, Chief Executive Officer and Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div 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Magstadt</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chief Financial Officer, Treasurer and Secretary</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Brian J. Magstadt</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(principal accounting and financial officer)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Peter N. Louras</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Chairman of the Board and Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Peter N. Louras</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Jennifer A. Chatman</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Jennifer A. Chatman</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ James S. Andrasick</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">James S. Andrasick</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Gary M. Cusumano</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Gary M. Cusumano</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Thomas J Fitzmyers</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Thomas J Fitzmyers</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Robin G. MacGillivray</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Robin G. MacGillivray</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Celeste Volz Ford</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Director</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December 14, 2015</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Celeste Volz Ford</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13</font></div></div><hr style="page-break-after:always"><a name="s0FA136A3B9098B3E8777481BD8C8CBDC"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pursuant to the requirements of the Securities Act of 1933, the trustees (or other persons who administer the employee benefit plan) have duly caused this registration statement to be signed on its behalf by the undersigned, thereunto duly authorized, on this </font><font style="font-family:inherit;font-size:10pt;">14</font><font style="font-family:inherit;font-size:10pt;">th&#160;day of December, 2015.</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:98.4375%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td width="24%"></td><td width="25%"></td><td width="4%"></td><td width="8%"></td><td width="39%"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SIMPSON MANUFACTURING CO.,&#160;INC. 401(K) PROFIT</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SHARING PLAN</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">By:</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/ Brian J. Magstadt</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Name:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Brian J. Magstadt</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Title:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Member, Simpson Manufacturing Co. Inc. Retirement Plan Committee</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14</font></div></div><hr style="page-break-after:always"><a name="s597EAF72E622F5E226F1481BD8E72FD4"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">EXHIBIT&#160;INDEX</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td width="9%"></td><td width="1%"></td><td width="4%"></td><td width="86%"></td></tr><tr><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Exhibit&#160;No.</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;font-weight:bold;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Description</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company&#8217;s Certificate of Incorporation, as amended, is incorporated by reference to Exhibit 3.1 of its Quarterly Report on Form 10-Q for the quarter ended September 30, 2007.</font></div></td></tr><tr><td colspan="2" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.2</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company&#8217;s Bylaws, as amended, through February 3, 2014, are incorporated by reference to Exhibit 3.2 of its Current Report on Form 8-K dated February 3, 2014.</font></div></td></tr><tr><td colspan="2" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.5</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan.</font></div></td></tr><tr><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consent of PricewaterhouseCoopers LLP,&#160;Independent Registered Public Accounting Firm.</font></div></td></tr><tr><td colspan="2" style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24.1</font></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:1pt;"><font style="font-family:inherit;font-size:1pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Power of Attorney (see signature page&#160;of this Registration Statement).</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:8px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15</font></div></div>	</body>
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<DOCUMENT>
<TYPE>EX-4.5
<SEQUENCE>2
<FILENAME>exhibit45simpsonmfgco401kp.htm
<DESCRIPTION>EXHIBIT 4.5
<TEXT>
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		<title>Exhibit</title>
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<a name="s0EC901B01A72C74B31C6B8D731F1E415"></a><div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 4.5</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan</font></div><div style="line-height:120%;"><hr></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">SIMPSON MANUFACTURING CO., INC. 401(K) PROFIT SHARING PLAN</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;"><hr></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">VOLUME SUBMITTER 401(k) PLAN</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:624px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The undersigned Employer, by executing this Adoption Agreement, establishes a retirement plan and trust (collectively "Plan") under the Milliman, Inc. Defined Contribution Volume Submitter Plan and Trust (basic plan document #08). The Employer, subject to the Employer's Adoption Agreement elections, adopts fully the Volume Submitter</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;</font><font style="font-family:inherit;font-size:9pt;">Plan and Trust provisions. This Adoption Agreement, the basic plan document and any attached Appendices or agreements permitted or referenced therein, constitute the Employer's entire plan and trust document. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">All "Election" references within this Adoption Agreement are Adoption Agreement Elections. All "Article" or "Section" references are basic plan document references. Numbers in parentheses which follow election numbers are basic plan document references.</font><font style="font-family:inherit;font-size:9pt;">&#32;Where an Adoption Agreement election calls for the Employer to supply text, the Employer (without altering the content of any existing printed text) may lengthen any space or line, or create additional tiers. When Employer&#8209;supplied text uses terms substantially similar to existing printed options, all clarifications and caveats applicable to the printed options apply to the Employer&#8209;supplied text unless the context requires otherwise. The Employer makes the following elections granted under the corresponding provisions of the basic plan document.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE I</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">DEFINITIONS</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EMPLOYER</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.24)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:24px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Name: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Simpson Manufacturing Co., Inc.&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:24px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Address: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;5956 West Las Positas Boulevard, Pleasanton, California 94588&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Phone number: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;(925) 560-9000&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Taxpayer Identification Number (TIN): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;94-3196943&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:4px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">E&#8209;mail </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(optional)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Employer's Taxable Year </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(optional)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;December 31st&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PLAN</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.42)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:24px;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Name: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Plan number: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;001&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(3&#8209;digit number for Form 5500 reporting)</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;text-indent:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Trust EIN </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(optional)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PLAN/LIMITATION YEAR</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;(1.44/1.34)</font><font style="font-family:inherit;font-size:9pt;">. Plan Year and Limitation Year mean the 12 consecutive month period (except for a short Plan/Limitation Year) ending every:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Complete any applicable blanks under Election 3 with a specific date, e.g., June 30 OR the last day of February OR the first Tuesday in January. In the case of a Short Plan Year or a Short Limitation Year, include the year, e.g., May 1, 2014.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Plan Year </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b). Choose (c) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:4px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">December 31.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;Fiscal Plan Year: </font><font style="font-family:inherit;font-size:9pt;">ending: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;Short Plan Year: </font><font style="font-family:inherit;font-size:9pt;">commencing: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;and ending: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Limitation Year </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (d) or (e). Choose (f) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Generally same as Plan Year. </font><font style="font-family:inherit;font-size:9pt;">The Limitation Year is the same as the Plan Year except where the Plan Year is a short year in which event the Limitation Year is always a 12 month period, unless the short Plan Year (and short Limitation Year) result from a Plan amendment.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(e)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Different Limitation Year:</font><font style="font-family:inherit;font-size:9pt;">&#32;ending: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(f)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Short Limitation Year: </font><font style="font-family:inherit;font-size:9pt;">commencing: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;and ending: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EFFECTIVE DATE</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.20)</font><font style="font-family:inherit;font-size:9pt;">. The Employer's adoption of the Plan is a </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b). Complete (c) if new plan OR complete (c) and (d) if an amendment and restatement. Choose (e) and (f) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 4 p.14</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">New Plan.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Restated Plan.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">PPA RESTATEMENT </font><font style="font-family:inherit;font-size:9pt;">(leave blank if not applicable)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;This is an amendment and restatement to bring a plan into compliance with the Pension Protection Act of 2006 ("PPA") and other legislative and regulatory changes.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Initial Effective Date</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of Plan </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(enter date)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;October 1, 1956&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(hereinafter called the "Effective Date" unless 4(d) is entered below)</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Restatement Effective Date</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(If this is an amendment and restatement, enter effective date of the restatement.)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;January 1, 2015&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(enter month day, year; may enter a restatement date that is the first day of the current Plan Year. The Plan contains appropriate retroactive effective dates with respect to provisions for the appropriate laws if the Plan is a PPA Restatement.) (hereinafter called the "Effective Date")</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">See Section 1.54 for the definition of Restated Plan. If this Plan is a PPA Restatement, the PPA restatement Effective Date may be a current date (as the basic plan document supplies the Effective Dates of various PPA and other provisions) or may be a retroactive date. If specific Plan provisions, as reflected in this Adoption Agreement and the basic plan documents, do not have the Effective Date stated in this Election 4, indicate as such in the election where called for or in Appendix A.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Restatement of surviving and merging plans.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan restates two (or more) plans </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete 4(c) and (d) above for this (surviving) Plan. Complete (1) below for the merging plan. Choose (2) if applicable. Unless otherwise noted, the restated Effective Date with regard to a merging plan is the later of the date of the merger or the restated Effective Date of this Plan.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Merging plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;The </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;Simpson Manufacturing Co., Inc. 401(k) Profit Sharing Plan for Hourly Employees&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;Plan was or will be merged into this surviving Plan as of: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;January 1, 2015&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. 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                                 &#160;&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If Elective Deferral provision is not effective as of the Initial Effective Date or the Restatement Effective Date, enter the date as of which the Elective Deferral provision is effective. The Special Effective Date may not precede the date on which the Employer adopted the Plan.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">TRUSTEE</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.67)</font><font style="font-family:inherit;font-size:9pt;">. The Trustee executing this Adoption Agreement is </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a), (b), or (c). Choose (d) or (e) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">: </font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">A discretionary Trustee.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 8.02(A).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">A nondiscretionary (directed) Trustee or Custodian.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 8.02(B).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">A Trustee under the: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;Charles Schwab Bank&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify name of trust)</font><font style="font-family:inherit;font-size:9pt;">, a separate trust agreement the Trustee has executed and that the IRS has approved for use with this Plan. Under this Election 5(c) the Trustee is not executing the Adoption Agreement and Article VIII of the basic plan document does not apply, except as indicated otherwise in the separate trust agreement. See Section 8.11(C).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Permitted Trust amendments apply. </font><font style="font-family:inherit;font-size:9pt;">Under Section 8.11(B) the Employer has made certain permitted amendments to the Trust. Such amendments do not constitute a separate trust under Election 5(c). See Election 59 in Appendix&#160;C.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Use of non&#8209;approved trust. </font><font style="font-family:inherit;font-size:9pt;">A Trustee under the: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify name of trust)</font><font style="font-family:inherit;font-size:9pt;">, a separate trust agreement the Trustee has executed for use with this Plan. Under this Election 5(e) the Trustee is not executing the Adoption Agreement and Article VIII of the basic plan document does not apply, except as indicated otherwise in the separate trust agreement. See Section 8.11(C). [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Caution: Election 5(e) will result in the Plan losing reliance on its Advisory Letter and the Plan will be an individually designed plan</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">CONTRIBUTION TYPES</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.12)</font><font style="font-family:inherit;font-size:9pt;">. The selections made below should correspond with the selections made under Article III of this Adoption Agreement. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(If this is a frozen Plan (i.e., all contributions have ceased), choose (a) only.)</font><font style="font-family:inherit;font-size:9pt;">: 6 p.26</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;text-indent:-55px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Frozen Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Sections 3.01(J) and 11.04.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contributions cease. </font><font style="font-family:inherit;font-size:9pt;">All Contributions have ceased or will cease (Plan is frozen).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Effective date of freeze:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Effective date is optional unless this is the amendment or restatement to freeze the Plan.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Elections 20 through 30 and Elections 36 through 38 do not apply to any Plan Year in which the Plan is frozen</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contributions.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer and/or Participants, in accordance with the Plan terms, make the following Contribution Types to the Plan/Trust </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (b) through (h).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Pre&#8209;Tax Deferrals. </font><font style="font-family:inherit;font-size:9pt;">See Section 3.02 and Elections 20&#8209;23, and 34.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Roth Deferrals. </font><font style="font-family:inherit;font-size:9pt;">See Section 3.02(E) and Elections 20, 21, and 23. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may not limit Elective Deferrals to Roth Deferrals only.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Matching. </font><font style="font-family:inherit;font-size:9pt;">See Sections 1.35 and 3.03 and Elections 24&#8209;26. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may make an Operational QMAC without electing 6(c). See Section 3.03(C)(2). Do not elect for a safe harbor plan; use 6(e) instead.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Nonelective. </font><font style="font-family:inherit;font-size:9pt;">See Sections 1.38 and 3.04 and Elections 27-29. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may make an Operational QNEC without electing 6(d). See Section 3.04(C)(2).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Safe Harbor/Additional Matching. </font><font style="font-family:inherit;font-size:9pt;">The Plan is (or pursuant to a delayed election, may be) a safe harbor 401(k) Plan. The Employer will make (or under a delayed election, may make) Safe Harbor Contributions as it elects in Election 30. The Employer may or may not make Additional Matching Contributions as it elects in Election 30. See Election 26 as to matching Catch&#8209;Up Deferrals. See Section 3.05.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employee</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(after&#8209;tax). </font><font style="font-family:inherit;font-size:9pt;">See Section 3.09 and Election 36.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(g)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;SIMPLE 401(k).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan is a SIMPLE 401(k) Plan. See Section 3.10. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer electing 6(g) must elect a calendar year under 3(a) and may not elect any other Contribution Types except under Elections 6(b) and 6(h).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(h)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Designated IRA. </font><font style="font-family:inherit;font-size:9pt;">See Section 3.12 and Election 37.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">DISABILITY</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.16)</font><font style="font-family:inherit;font-size:9pt;">. 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However, the use of an alternative definition may result in loss of favorable tax treatment of the Disability distribution.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EXCLUDED EMPLOYEES</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.22(D))</font><font style="font-family:inherit;font-size:9pt;">. 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Choose column (1) for each exclusion elected at (e) through (i).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Exclusions &#8209; different exclusions apply. </font><font style="font-family:inherit;font-size:9pt;">The following Employees are Excluded Employees for the designated Contribution Type </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (d) through (j). 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Nonelective includes all Nonelective Contributions except Safe Harbor Nonelective Contributions.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Elective</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Exclusions&#160;&#160;&#160;&#160;Contributions&#160;&#160;&#160;&#160;Deferrals&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">No exclusions.</font><font style="font-family:inherit;font-size:9pt;">&#32;No exclusions as to the&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">N/A</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">designated Contribution Type.&#160;&#160;&#160;&#160;(See Election 8(a))</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Collective Bargaining (union) Employees.</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">As described in Code &#167;410(b)(3)(A).</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">See Section 1.22(D)(1).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Non&#8209;Resident Aliens.</font><font style="font-family:inherit;font-size:9pt;">&#32;As described in&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Code &#167;410(b)(3)(C). See Section 1.22(D)(2).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(g)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">HCEs.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 1.22(E). See Election 30(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">as to exclusion of some or all HCEs from Safe&#160;Harbor&#160;Contributions.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(h)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hourly paid Employees.</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Part&#8209;Time/Temporary/Seasonal Employees.</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">See Section 1.22(D)(4). A Part&#8209;Time, Temporary or Seasonal Employee is an Employee whose regularly&#160;scheduled Service is less than </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify&#160;a&#160;maximum&#160;of 1,000)</font><font style="font-family:inherit;font-size:9pt;">&#32;Hours of Service in the&#160;relevant Eligibility Computation Period.</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The "relevant" Eligibility Computation Period is&#160;the Initial or Subsequent Eligibility Computation Period&#160;as defined in Section 2.02(C).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer under Election 8(i) elects to treat Part&#8209;Time, Temporary and Seasonal Employees as Excluded Employees and any such an Employee actually completes at least 1,000 Hours of Service during the relevant Eligibility Computation Period, the Employee becomes an Eligible Employee. See Section 1.22(D)(4)</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Describe</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">exclusion category and/or Contribution Type:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Employees with contractual exclusion from participation under the Plan.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(e.g.,&#160;Exclude Division B Employees OR Exclude salaried Employees from Discretionary Matching Contributions.)</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Any exclusion under Election 8(j), except as to Part&#8209;Time/Temporary/Seasonal Employees, may not be based on age or Service or level of Compensation. See Election 14 for eligibility conditions based on age or Service. The exclusions entered under Election 8(j) cannot result in the group of Nonhighly Compensated Employees (NHCEs) participating under the plan being only those NHCEs with the lowest amount of compensation and/or the shortest periods of service and who may represent the minimum number of these employees necessary to satisfy coverage under Code &#167;410(b).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">COMPENSATION</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.11(B))</font><font style="font-family:inherit;font-size:9pt;">. The following base Compensation (as adjusted under Elections 10 and 11) applies in allocating Employer Contributions (or the designated Contribution Type) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (d) and choose Contribution Type as applicable. Choose (e) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 9 p.49</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: For this Election 9 all definitions </font><font style="font-family:inherit;font-size:9pt;font-style:italic;text-decoration:underline;">include</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;Elective Deferrals unless excluded under Election 11. See Section 1.11(D). Unless described otherwise in Election 9(d), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions. In applying any Plan definition which references Section 1.11 Compensation, where the Employer in this Election 9 elects more than one Compensation definition for allocation purposes, the Plan Administrator will use W&#8209;2 Wages for other Plan definitions of Compensation if the Employer has elected W&#8209;2 Wages for any Contribution Type or Participant group under Election 9. If the Employer has not elected W&#8209;2 Wages, the Plan Administrator for such other Plan definitions will use 415 Compensation. If the Plan is a Multiple Employer Plan, see Section 12.07. Election 9(d) below may cause allocation Compensation to fail to be nondiscriminatory under Treas. Reg. &#167;1.414(s).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Elective</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contributions&#160;&#160;&#160;&#160;Deferrals&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font 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style="font-family:inherit;font-size:9pt;">See</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">Section 1.11(B)(1).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Code &#167;3401 Federal Income Tax</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[ 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style="font-family:inherit;font-size:9pt;font-weight:bold;">(simplified).</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">See Section 1.11(B)(3).</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may elect an alternative "general&#160;415&#160;Compensation" definition by electing&#160;9(c)&#160;and&#160;by&#160;electing the alternative definition&#160;in&#160;Appendix B. See Section 1.11(B)(4).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Compensation by Contribution Type or by Participant group:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:1px;text-indent:0px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 9(d), the Employer may: (i) elect Compensation from the elections available under Elections 9(a), (b), or (c), or a combination thereof as to a Participant group (e.g., W-2 Wages for Matching Contributions for Division A Employees and 415 Compensation in all other cases); and/or (ii) define the Contribution Type column headings in a manner which differs from the "all&#8209;inclusive" description in the Note immediately preceding Election 9(a) (e.g., Compensation for Safe Harbor Matching Contributions means W&#8209;2 Wages and for Additional Matching Contributions means 415 Compensation).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocate based on specified 12&#8209;month period.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The allocation of all Contribution Types (or specified&#160;Contribution Types) will be made based on&#160;Compensation&#160;within a specified 12&#8209;month period&#160;ending&#160;within&#160;the Plan Year as follows:</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;text-indent:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;"></font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PRE&#8209;ENTRY/POST&#8209;SEVERANCE COMPENSATION</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.11(H)/(I))</font><font style="font-family:inherit;font-size:9pt;">. Compensation under Election 9: </font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: For this Election 10, unless described otherwise in Elections 10(c) or (n), Elective Deferrals includes Pre&#8209;Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions. Election 10(c) below may cause allocation Compensation to fail to be nondiscriminatory under Treas. Reg. &#167;1.414(s).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Elective</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Pre&#8209;Entry Compensation </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;Contributions&#160;&#160;&#160;&#160;Deferrals&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective</font></div><div style="line-height:120%;text-align:justify;padding-left:24px;text-indent:-24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">Choose Contribution Type as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Plan Year.</font><font style="font-family:inherit;font-size:9pt;">&#32;Compensation for the entire Plan&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Year which includes the Participant's Entry Date.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer under Election 9(e) elects to allocate&#160;some or all Contribution Types based on a specified&#160;12&#8209;month period, Election 10(a) applies to that&#160;12&#8209;month period in lieu of the Plan Year</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participating Compensation.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only Participating&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Compensation. See Section 1.11(H)(1).</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under a Participating Compensation election, in applying any Adoption Agreement elected contribution limit or formula, the Plan Administrator will count only the Participant's Participating Compensation. See Section 1.11(H)(1) as to plan disaggregation.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe Pre&#8209;Entry Compensation by Contribution Type or by Participant group:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 10(c), the Employer may: (i) elect Compensation from the elections available under Pre-Entry Compensation or a combination thereof as to a Participant group (e.g., Participating Compensation for all Contribution Types as to Division A Employees, Plan Year Compensation for all Contribution Types to Division B Employees); and/or (ii) define the Contribution Type column headings in a manner which differs from the "all&#8209;inclusive" description in the Note immediately preceding Pre&#8209;Entry Compensation (e.g., Compensation for Nonelective Contributions is Participating Compensation and for Safe Harbor Nonelective Contributions is Plan Year Compensation).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Post&#8209;Severance Compensation.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following adjustments apply to Post&#8209;Severance Compensation paid within any applicable time period as may be required </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (d), (e), or (f).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under the basic plan document, if the Employer does not elect any adjustments, post&#8209;severance compensation includes regular pay, leave cashouts, and deferred compensation, and excludes military and disability continuation payments.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">None. </font><font style="font-family:inherit;font-size:9pt;">The Plan includes post&#8209;severance regular pay, leave cashouts, and deferred compensation, and excludes post&#8209;severance military and disability continuation payments as to any Contribution Type except as required under the basic plan document </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(skip to Election 11).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Same for all Contribution Types.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following adjustments to Post&#8209;Severance Compensation apply to all Contribution Types </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (h) through (n). Choose column (1) for each option elected at (h) through (m).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Adjustments - different conditions apply.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following adjustments to Post&#8209;Severance Compensation apply to the designated Contribution Types </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (g) through (n). 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[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: 415 testing Compensation (versus allocation Compensation) must include Post&#8209;Severance Compensation&#160;comprised of regular pay. See&#160;Section&#160;4.05(F)</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Regular Pay. </font><font style="font-family:inherit;font-size:9pt;">Exclude Post&#8209;Severance Compensation&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">comprised of regular pay. See Section 1.11(I)(1)(a).</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: 415 testing Compensation (versus allocation Compensation) must include Post&#8209;Severance Compensation&#160;comprised of regular pay. See&#160;Section&#160;4.05(F)</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Leave cash&#8209;out. </font><font style="font-family:inherit;font-size:9pt;">Exclude Post&#8209;Severance&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Compensation comprised of leave cash</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#8209;</font><font style="font-family:inherit;font-size:9pt;">out. See&#160;Section&#160;1.11(I)(1)(b).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(k)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Deferred Compensation. </font><font style="font-family:inherit;font-size:9pt;">Exclude Post&#8209;Severance&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Compensation comprised of deferred compensation. 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See Section 1.11(I)(2).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(m)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Salary continuation for disabled Participants.</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Include Post&#8209;Severance Compensation comprised of salary continuation for disabled Participants. See Section&#160;1.11(I)(3). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;For NHCEs only.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">For all Participants.</font><font style="font-family:inherit;font-size:9pt;">&#32;The salary continuation will continue for the following fixed or determinable period: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify period)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(n)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Post&#8209;Severance Compensation by Contribution Type or by Participant group:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 10(n), the Employer may: (i) elect Compensation from the elections available under Post-Severance Compensation or a combination thereof as to a Participant group (e.g., Include regular pay Post-Severance Compensation for all Contribution Types as to Division A Employees, no Post-Severance Compensation for all Contribution Types to Division B Employees); and/or (ii) define the Contribution Type column headings in a manner which differs from the "all&#8209;inclusive" description in the Note immediately preceding Pre&#8209;Entry Compensation (e.g., Compensation for Nonelective Contributions does not include any Post&#8209;Severance Compensation and for Safe Harbor Nonelective Contributions includes regular pay Post&#8209;Severance Compensation).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EXCLUDED COMPENSATION</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.11(G))</font><font style="font-family:inherit;font-size:9pt;">. 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style="padding-top:8px;text-align:justify;padding-left:82px;text-indent:-30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Employer: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:82px;text-indent:-30px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">c.   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Employer: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[ 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style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All.</font><font style="font-family:inherit;font-size:9pt;">&#32;All service, regardless of when rendered.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Service after.</font><font style="font-family:inherit;font-size:9pt;">&#32;All service, which is or was rendered after: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify date)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" 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style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe elective Predecessor Employer Service crediting:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 13(b)(4), the Employer may describe service crediting from the elections available under Elections 13(b)(1) through (3), or a combination thereof as to a Participant group and/or Contribution Type (e.g., For all purposes credit all service with X, but credit service with Y only on/after 1/1/05 OR Credit all service for all purposes with entities the Employer acquires after 12/31/04 OR Service crediting for X Company applies only for purposes of Nonelective Contributions and not for Matching Contributions).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font 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To become a Participant in the Plan, an Eligible Employee must satisfy </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a), (b), or (c).)</font><font style="font-family:inherit;font-size:9pt;">: 14 p.814</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer under a safe harbor plan elects "early" eligibility for Elective Deferrals (e.g., less than one Year of Service and age&#160;21), but does not elect early eligibility for any Safe Harbor Contributions, also see Election 30(g).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: No eligibility conditions apply to Prevailing Wage Contributions. See Section 2.01(D).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No conditions.</font><font style="font-family:inherit;font-size:9pt;">&#32;No eligibility conditions as to all Contribution Types. Entry is on the Employment Commencement Date (if that date is also an Entry Date), or if later, upon the next following Plan Entry Date </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(skip to Election 16)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Eligibility - same for all Contribution Types.</font><font style="font-family:inherit;font-size:9pt;">&#32;To become a Participant in the Plan as to all Contribution Types, an Eligible Employee must satisfy the following eligibility conditions </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (e) through (k). Choose column (1) for each option elected at (e) through (j).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Eligibility &#8209; different conditions apply.</font><font style="font-family:inherit;font-size:9pt;">&#32;To become a Participant in the Plan for the designated Contribution Types, an Eligible Employee must satisfy the following eligibility conditions (either as to all Contribution Types or as to the designated Contribution Type) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (d) through (k). 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See Section 3.05(F)(3).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)&#160;&#160;&#160;&#160;(5)</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:338px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Elective&#160;&#160;&#160;&#160;Safe</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Eligibility Conditions&#160;&#160;&#160;&#160;Contributions&#160;&#160;&#160;&#160;Deferrals&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective&#160;&#160;&#160;&#160;Harbor</font></div><div 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style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">for Elective Deferrals, Safe Harbor Contributions and SIMPLE Contributions and not exceeding 24&#160;months for&#160;other contributions)</font><font style="font-family:inherit;font-size:9pt;">. 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Service need not be continuous&#160;(no minimum Hours of Service required, and&#160;is&#160;mere passage of time).</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: While satisfying a months of service condition without&#160;an Hours of Service requirement involves the mere&#160;passage of time, the Plan need not apply the Elapsed&#160;Time Method in Election 12(c) above, and still&#160;may&#160;elect the Actual Method in 12(a) above.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;month(s) with at least </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;Hours of&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Service in each month </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(not exceeding 12 months for&#160;Elective Deferrals, Safe Harbor Contributions and SIMPLE Contributions and not exceeding 24 months for&#160;other contributions)</font><font style="font-family:inherit;font-size:9pt;">. If more than 12 months, 100%&#160;vesting is required. If the Employee does not complete the designated Hours of Service each month during the specified monthly time period, the Employee is&#160;subject to the one Year of Service (or two Years of Service if elect more than 12 months) requirement as defined in Election&#160;16. The months during which the Employee completes the specified Hours of Service </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Consecutive.</font><font style="font-family:inherit;font-size:9pt;">&#32;Must be consecutive.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Not consecutive.</font><font style="font-family:inherit;font-size:9pt;">&#32;Need not be consecutive.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;Hours of Service within the&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;time period following the Employee's Employment Commencement Date</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(not exceeding 12 months for Elective Deferrals, Safe Harbor Contributions and SIMPLE Contributions and not exceeding 24 months for&#160;other contributions)</font><font style="font-family:inherit;font-size:9pt;">. If more than 12 months, 100% vesting is required. If the Employee does not complete the designated Hours of Service during the specified time period (if any), the Employee is subject to&#160;the one Year of Service (or two Years of Service if elect more than 12 months) requirement as defined in Election 16.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may leave the time period option blank in Election 14(j) if the Employer wishes to impose an Hour of Service requirement without specifying a time period within which an Employee must complete the required Hours of Service.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(k)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe eligibility conditions:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may use Election 14(k) to describe different eligibility conditions as to different Contribution Types or Employee groups (e.g., As to all Contribution Types, no eligibility requirements for Division A Employees and one Year of Service as to Division B Employees). The Employer also may elect different ages for different Contribution Types and/or to specify different months or Hours of Service requirements under Elections 14(h), (i), or (j) as to different Contribution Types. Any election must satisfy Code &#167;410(a).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">SPECIAL ELIGIBILITY EFFECTIVE DATE (DUAL ELIGIBILITY)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(2.01(E))</font><font style="font-family:inherit;font-size:9pt;">. The eligibility conditions of Election 14 and the entry date provisions of Election 17 apply to all Employees unless otherwise elected below</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose (a) or (b) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Elections 15(a) or (b) may trigger a coverage failure under Code &#167;410(b).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Waiver of eligibility conditions for certain Employees.</font><font style="font-family:inherit;font-size:9pt;">&#32;For all Contribution Types, the eligibility conditions and entry dates apply solely to an Eligible Employee employed or reemployed by the Employer after </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify date)</font><font style="font-family:inherit;font-size:9pt;">. 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[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The number may not exceed 1,000. 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style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">the Employee completes the eligibility conditions.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Immediately following</font><font style="font-family:inherit;font-size:9pt;">&#32;the date the 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style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Applies. </font><font style="font-family:inherit;font-size:9pt;">Applies to the Plan and to all Participants.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font 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See Section 2.03(D).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE III</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">PLAN CONTRIBUTIONS AND FORFEITURES</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ELECTIVE DEFERRAL LIMITATIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.02(A))</font><font style="font-family:inherit;font-size:9pt;">. The following limitations apply to Elective Deferrals under Election 6(b), which are in addition to those limitations imposed under the basic plan document </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) or choose (b) and (c) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 20 p.1120</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;None. </font><font style="font-family:inherit;font-size:9pt;">No additional Plan imposed limits </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(skip to Election 21)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 20 may not impose a lower deferral limit applicable only to Catch&#8209;Up Eligible Participants and the Employer's elections must be nondiscriminatory. The elected limits apply to Pre&#8209;Tax Deferrals and to Roth Deferrals unless described otherwise. Under a safe harbor plan: (i) NHCEs must be able to defer enough to receive the maximum Safe Harbor Matching and Additional Matching Contribution under the Plan and must be permitted to defer any lesser amount; and (ii) the Employer may limit Elective Deferrals to a whole percentage of Compensation or to a whole dollar amount. See Section 1.57(C) as to administrative limitations on Elective Deferrals.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Additional Plan limit(s). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (1) and (2) as applicable. 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If the Employer elects Plan Year/Participating Compensation under column (1) and in Election 10 elects Participating Compensation, in the Plan Years commencing after an Employee becomes a Participant, apply the elected minimum or maximum limitations to the Plan Year. Apply the elected limitation based on such Compensation during the designated time period and only to HCEs as elected below. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose a. or choose b. and c. as applicable. Under each of a., b., or c. choose one of (1) or (2). Choose (3) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:84px;text-indent:534px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)</font></div><div style="line-height:120%;text-align:justify;text-indent:438px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Plan Year/Participating&#160;&#160;&#160;&#160;Payroll&#160;&#160;&#160;&#160;HCEs only</font></div><div style="line-height:120%;text-align:justify;text-indent:438px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Compensation&#160;&#160;&#160;&#160;period</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Both.</font><font style="font-family:inherit;font-size:9pt;">&#32;Both limits under Elections 20(b)(1) and (2).&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Maximum limit.</font><font style="font-family:inherit;font-size:9pt;">&#32;The maximum amount limit under&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:114px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Election 20(b)(1).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Minimum limit.</font><font style="font-family:inherit;font-size:9pt;">&#32;The minimum amount limit under&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:114px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Election 20(b)(2).</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe Elective Deferral limitation(s):</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 20(c), the Employer: (i) may describe limitations on Elective Deferrals from the elections available under Elections 20(a) and (b) or a combination thereof as to a Participant group (e.g., No limit applies to Division A Employees. Division B Employees may not defer in excess of 10% of Plan Year Compensation); (ii) may elect a different time period to which the limitations apply; and/or (iii) may apply a different limitation to Pre&#8209;Tax Deferrals and to Roth Deferrals.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">AUTOMATIC DEFERRAL</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;text-decoration:underline;">(ACA/EACA/QACA)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.02(B))</font><font style="font-family:inherit;font-size:9pt;">.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">The Automatic Deferral provisions of Section 3.02(B) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b). 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Choose (6), (7), and/or (8) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Type of Automatic Deferral Arrangement. </font><font style="font-family:inherit;font-size:9pt;">The Plan is an </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ACA. </font><font style="font-family:inherit;font-size:9pt;">The Plan is an Automatic Contribution Arrangement (ACA) under Section</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">3.02(B)(1).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;EACA. </font><font style="font-family:inherit;font-size:9pt;">The Plan is an Eligible Automatic Contribution Arrangement (EACA) under Section 3.02(B)(2).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">EACA/QACA. </font><font style="font-family:inherit;font-size:9pt;">The Plan is a combination EACA and Qualified Automatic Contribution Arrangement (QACA) under Sections 3.02(B)(3) and 3.05(J).</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer chooses Elections 21(b)(1)c, the Employer also must choose election 6(e) and complete Election 30 as to the Safe Harbor Contributions under the QACA</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participants affected. </font><font style="font-family:inherit;font-size:9pt;">The Automatic Deferral applies to </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., c., or d. 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font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">d.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No scheduled increase. </font><font style="font-family:inherit;font-size:9pt;">The Automatic Deferral Percentage applies in all Plan Years.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">e.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Automatic increase. </font><font style="font-family:inherit;font-size:9pt;">The Automatic Deferral Percentage will increase by </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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(ii) an increasing Automatic Deferral Percentage in accordance with the schedule under Election 20(b)(3)b.; or (iii) an alternative schedule which must require, for each Plan Year, an Automatic Deferral Percentage that is at least equal to the Automatic Deferral Percentage under the schedule in Election 21(b)(3)b. and which does not exceed 10%. See Section 3.02(B)(3).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;EACA permissible withdrawal.</font><font style="font-family:inherit;font-size:9pt;">&#32;The permissible withdrawal provisions of Section 3.02(B)(2)(d) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Do not apply.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;90 day withdrawal.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply within 90 days of the first Automatic Deferral.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;30&#8209;90 day withdrawal.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply, within </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;days of the first Automatic Deferral </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(may not be less than 30 nor more than 90 days)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(5)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contrary Election/Covered Employee.</font><font style="font-family:inherit;font-size:9pt;">&#32;For Plan Years beginning on or after January 1, 2010, any Participant who makes a Contrary Election </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.; leave blank if an ACA or a QACA not subject to the ACP test.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Covered Employee.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is a Covered Employee and continues to be covered by the EACA provisions. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under this Election, the Participant's Contrary Election will remain in effect, but the Participant must receive the EACA annual notice.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Not a Covered Employee.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is not a Covered Employee and will not continue to be covered by the EACA provisions. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under this Election, the Participant no longer must receive the EACA annual notice, but the Plan cannot use the six&#8209;month period for relief from the excise tax of Code &#167;4979(f)(1).</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(6)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change Date. </font><font style="font-family:inherit;font-size:9pt;">The Elective Deferrals under Election 21(b)(3)b., c., e., or f. will increase on the following day each Plan Year:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;First day of the Plan Year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(must be a specified or definitely determinable date that occurs at least annually)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(7)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">First Year of Increase. </font><font style="font-family:inherit;font-size:9pt;">The automatic increase under Election 21(b)(3)e. or f. will apply to a Participant beginning with the first Change Date after the Participant first has automatic deferrals withheld, unless a. is selected below:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;The increase will apply as of the second Change Date thereafter.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(8)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe Automatic Deferral:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 21(b)(8), the Employer may describe Automatic Deferral provisions from the elections available under Election 21 and/or a combination thereof as to a Participant group (e.g., Automatic Deferrals do not apply to Division A Employees. All Division B Employee/Participants are subject to an Automatic Deferral Amount equal to 3% of Compensation effective as of January 1, 2013).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">CODA</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.02(C))</font><font style="font-family:inherit;font-size:9pt;">. The CODA provisions of Section 3.02(C)</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;Do not apply.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Apply. </font><font style="font-family:inherit;font-size:9pt;">For each Plan Year for which the Employer makes a designated CODA contribution under Section 3.02(C), a Participant may elect to receive directly in cash not more than the following portion (or, if less, the Elective Deferral Limit) of his/her proportionate share of that CODA contribution </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All or any portion.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">%</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">CATCH&#8209;UP DEFERRALS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.02(D))</font><font style="font-family:inherit;font-size:9pt;">. The Plan permits Catch&#8209;Up Deferrals unless the Employer elects otherwise below. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) if applicable.)</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Not Permitted. </font><font style="font-family:inherit;font-size:9pt;">May not make Catch&#8209;Up Deferrals to the Plan.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">MATCHING CONTRIBUTIONS (EXCLUDING SAFE HARBOR MATCH AND ADDITIONAL MATCH UNDER SECTION 3.05)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.03(A))</font><font style="font-family:inherit;font-size:9pt;">. The Employer Matching Contributions under Election 6(c) are subject to the following additional elections regarding type (discretionary/fixed), rate/amount, limitations and time period (collectively, such elections are "the matching formula") and the allocation of Matching Contributions is subject to Section 3.06 except as otherwise provided </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (g) as applicable; then, for the elected match, complete (1), (2), and/or (3) as applicable. If the Employer completes (2) or (3), also complete one of (4), (5), or (6).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer wishes to make any Matching Contributions that satisfy the ADP or ACP safe harbor, the Employer should make these Elections under Election 30, and not under this Election 24.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;font-size:9pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="7"></td></tr><tr><td width="24%"></td><td width="19%"></td><td width="13%"></td><td width="13%"></td><td width="10%"></td><td width="10%"></td><td width="11%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Match</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rate/Amt</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[$/% of Elective Deferrals]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(2)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Limit on Deferrals Matched</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[$/% of Compensation]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Limit on Match Amount</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[$/% of Compensation]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(4)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Apply limit(s) per Plan Year ["true&#8209;up"]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(5)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Apply limit(s) per payroll period [no "true&#8209;up"]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Apply limit(s) per designated time period [no "true&#8209;up"]</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8"></td></tr><tr><td width="23%"></td><td width="10%"></td><td width="10%"></td><td width="13%"></td><td width="13%"></td><td width="10%"></td><td width="10%"></td><td width="11%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:57px;text-indent:-58px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Discretionary </font><font style="font-family:inherit;font-size:9pt;">&#8211; see Section 1.35(B) (</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">The Employer may, but is not required to complete (a)(1)&#8209;(6). See the "Note" following Election 24.</font><font style="font-family:inherit;font-size:9pt;">)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:5px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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     &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:5px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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Years of Service</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Years</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of Service</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Matching</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rate</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;      &#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:5px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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     &#160;&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Formula 2: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                &#160;&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:8px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:8px;text-align:justify;padding-left:5px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ] </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Matching formula.</font><font style="font-family:inherit;font-size:9pt;">&#32;The matching formula for the Participating Employer(s) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All the same.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is (are) the same as for the Signatory Employer under this Election 24.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At least one different.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is (are) as follows: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation sharing.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan Administrator will allocate the Matching Contributions made by the Signatory Employer and by any Participating Employer </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employer by Employer.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only to the Participants directly employed by the contributing Employer.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Across Employer lines.</font><font style="font-family:inherit;font-size:9pt;">&#32;To all Participants regardless of which Employer directly employs them and regardless of whether their direct Employer made Matching Contributions for the Plan Year.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 24(f) unless there are Related Employers which are also Participating Employers</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">See Section 1.24(D).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(g)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(The formula described must satisfy the definitely determinable requirement under Treas. Reg. &#167;1.401&#8209;1(b). If the formula is non&#8209;uniform, it is not a design&#8209;based safe harbor for nondiscrimination purposes.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: See Section 1.35(A) as to Fixed Matching Contributions. A Participant's Elective Deferral percentage is equal to the Participant's Elective Deferrals divided by his/her Compensation. The matching rate/amount is the specified rate/amount of match for the corresponding Elective Deferral amount/percentage. Any Matching Contributions apply to Pre&#8209;Tax Deferrals and to Roth Deferrals unless described otherwise in Election 24(g). Matching Contributions for nondiscrimination testing purposes are subject to the targeting limitations. See Section </font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">4.10(D). The Employer under Election 24(a) in its discretion may determine the amount of a Discretionary Matching Contribution and the matching contribution formula. Alternatively, the Employer in Election 24(a) may specify the Discretionary Matching Contribution formula.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">QMAC (PLAN&#8209;DESIGNATED)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.03(C)(1))</font><font style="font-family:inherit;font-size:9pt;">. The following provisions apply regarding Plan&#8209;Designated QMACs </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Regardless of its elections under this Election 25, the Employer under Section 3.03(C)(2) may elect for any Plan Year where the Plan is using Current Year Testing to make Operational QMACs which the Plan Administrator will allocate only to NHCEs for purposes of correction of an ADP or ACP test failure.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Not applicable.</font><font style="font-family:inherit;font-size:9pt;">&#32;There are no Plan&#8209;Designated QMACs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:57px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:86.66666666666667px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-86.66666666666667px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All.</font><font style="font-family:inherit;font-size:9pt;">&#32;All Matching Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:57px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:86.66666666666667px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-86.66666666666667px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Designated.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only the following Matching Contributions under Election 24: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:28px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation Group.</font><font style="font-family:inherit;font-size:9pt;">&#32;Subject to Section 3.06, allocate the Plan&#8209;Designated QMAC </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:57px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:86.66666666666667px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-86.66666666666667px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">NHCEs only.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only to NHCEs who make Elective Deferrals subject to the Plan&#8209;Designated QMAC.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:28px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:57px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:86.66666666666667px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-86.66666666666667px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All Participants.</font><font style="font-family:inherit;font-size:9pt;">&#32;To all Participants who make Elective Deferrals subject to the Plan&#8209;Designated QMAC.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Plan Administrator will allocate all other Matching Contributions as Regular Matching Contributions under Section 3.03(B), except as provided in Sections 3.03(C)(2) or 3.05.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: See Section 4.10(D) as to targeting limitations applicable to QMAC nondiscrimination testing.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">MATCHING CATCH&#8209;UP DEFERRALS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.03(D))</font><font style="font-family:inherit;font-size:9pt;">. If a Participant makes a Catch&#8209;Up Deferral, the Employer </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b); leave blank if Election 23(a) is selected.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Match.</font><font style="font-family:inherit;font-size:9pt;">&#32;Will apply to the Catch&#8209;Up Deferral </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All.</font><font style="font-family:inherit;font-size:9pt;">&#32;All Matching Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Designated.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following Matching Contributions in Election 24: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No Match. </font><font style="font-family:inherit;font-size:9pt;">Will not match any Catch&#8209;Up Deferrals.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Election 26 does not apply to a safe harbor 401(k) plan unless the Employer will apply the ACP test. See Elections 38(a)(2)b. In this case, Election 26 applies only to Additional Matching, if any. A safe harbor 401(k) Plan will apply the Basic Match, QACA Basic Match or Enhanced Match to Catch&#8209;Up Deferrals. If the Employer elects to apply the ACP test safe harbor under Election 38(a)(2)a., Election 26 does not apply and the Plan also will apply any Additional Match to Catch&#8209;Up Deferrals.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">NONELECTIVE CONTRIBUTIONS (TYPE/AMOUNT) INCLUDING PREVAILING WAGE CONTRIBUTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.04(A))</font><font style="font-family:inherit;font-size:9pt;">. The Employer Nonelective Contributions under Election 6(d) are subject to the following additional elections as to type and amount </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (e) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 27 p.1627</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Discretionary. </font><font style="font-family:inherit;font-size:9pt;">An amount the Employer in its sole discretion may determine.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Fixed. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (3) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Uniform %. </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of each Participant's Compensation, per </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(e.g., Plan Year, month)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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Reg. &#167;1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination purposes.)</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 27(b)(3) may specify any Fixed Nonelective Contribution formula not described under Elections 27(b)(1) or (2) (e.g., For each Plan Year, 2% of net profits exceeding $50,000, or The cash value of unused paid time off, as described in Section 3.04(A)(2)(a) and the Employer's Paid Time Off Plan) and/or the Employer may describe different Fixed Nonelective Contributions as applicable to different Participant groups (e.g., A Fixed Nonelective Contribution equal to 5% of Plan Year Compensation applies to Division A Participants and a Fixed Nonelective Contribution equal to $500 per Participant each Plan Year applies to Division B Participants).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Prevailing Wage Contribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Prevailing Wage Contribution amount(s) specified for the Plan Year or other applicable period in the Employer's Prevailing Wage Contract(s). The Employer will make a Prevailing Wage Contribution only to Participants covered by the Contract and only as to Compensation paid under the Contract. The Employer must specify the Prevailing Wage Contribution by attaching an appendix to the Adoption Agreement that indicates the contribution rate(s) applicable to the prevailing wage employment/job classification(s). If the Participant accrues an allocation of Employer Contributions (including forfeitures) under the Plan or any other Employer plan in addition to the Prevailing Wage Contribution, the Plan Administrator will </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">No offset.</font><font style="font-family:inherit;font-size:9pt;">&#32;Not reduce the Participant's Employer Contribution allocation by the amount of the Prevailing Wage Contribution.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Offset.</font><font style="font-family:inherit;font-size:9pt;">&#32;Reduce the Participant's Employer Contribution allocation by the amount of the Prevailing Wage Contribution.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Related and Participating Employers.</font><font style="font-family:inherit;font-size:9pt;">&#32;If any Related and Participating Employers (or in the case of a Multiple Employer Plan, Participating Employers regardless of whether they are Related Employers) contribute Nonelective Contributions to the Plan, the contribution formula(s) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All the same.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is (are) the same as for the Signatory Employer under this Election 27.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">At least one different.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is (are) as follows: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 27(d) unless there are Related Employers which are also Participating Employers</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">See Section 1.24(D).</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">The Employer electing 27(d) also must complete Election 28(g) as to the allocation methods which apply to the Participating Employers.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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Reg. &#167;1.401&#8209;1(b). If the formula is non&#8209;uniform, it is not a design&#8209;based safe harbor for nondiscrimination purposes.)</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under Election 27(e), the Employer may describe the amount and type of Nonelective Contributions from the elections available under Election 27 and/or a combination thereof as to a Participant group (e.g., A Discretionary Nonelective Contribution applies to Division A Employees. A Fixed Nonelective Contribution equal to 5% of Plan Year Compensation applies to Division B Employees).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">NONELECTIVE CONTRIBUTION ALLOCATION</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.04(B))</font><font style="font-family:inherit;font-size:9pt;">. The Plan Administrator, subject to Section 3.06, will allocate to each Participant any Nonelective Contribution (excluding QNECs) under the following contribution allocation formula </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (h) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Pro rata. </font><font style="font-family:inherit;font-size:9pt;">As a uniform percentage of Participant Compensation.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Permitted disparity.</font><font style="font-family:inherit;font-size:9pt;">&#32;In accordance with the permitted disparity allocation provisions of Section 3.04(B)(2), under which the following permitted disparity formula and definition of "Excess Compensation" apply </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1) and (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Formula</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Two&#8209;tiered.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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Reg. &#167;1.401(a)(4)&#8209;8. However, choosing this election does not necessarily require application of cross&#8209;testing and the Plan may be able to satisfy nondiscrimination as to its classification&#8209;based allocations by testing allocation rates.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Each in own classification.</font><font style="font-family:inherit;font-size:9pt;">&#32;Each Participant constitutes a separate classification.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">NHCEs/HCEs.</font><font style="font-family:inherit;font-size:9pt;">&#32;Nonhighly Compensated Employee/Participants and Highly Compensated Employee/Participants.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe the classifications:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Any classifications under Election 28(d) must result in a definitely determinable allocation under Treas. Reg. &#167;1.401&#8209;1(b)(1)(ii). The classifications cannot limit the NHCEs benefiting under the Plan only to those NHCE/Participants with the lowest Compensation and/or the shortest periods of Service and who may represent the minimum number of benefiting NHCEs necessary to pass coverage under Code &#167;410(b). In the case of a self&#8209;employed Participant (i.e., sole proprietorships or partnerships), the requirements of Treas. Reg. &#167;1.401(k)&#8209;1(a)(6) apply and the allocation method should not result in a cash or deferred election for the self&#8209;employed Participant. The Employer by the due date of its tax return (including extensions) must advise the Plan Administrator or Trustee in writing as to the allocation rate applicable to each Participant under Election 28(d)(1)a. or applicable to each classification under Elections 28(d)(1)b. or c. for the allocation Plan Year.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation method within each classification. </font><font style="font-family:inherit;font-size:9pt;">Allocate the Nonelective Contribution within each classification as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Pro rata. </font><font style="font-family:inherit;font-size:9pt;">As a uniform percentage of Compensation of each Participant within the classification.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Flat dollar. </font><font style="font-family:inherit;font-size:9pt;">The same dollar amount to each Participant within the classification.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:61.333333333333336px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-61.333333333333336px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(e.g., Allocate pro rata to NHCEs and flat dollar to HCEs.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;Age&#8209;based. </font><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">This is a nondesigned based safe harbor allocation method.</font><font style="font-family:inherit;font-size:9pt;">] In accordance with the age&#8209;based allocation provisions of Section 3.04(B)(5). The Plan Administrator will use the Actuarial Factors based on the following assumptions </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete both (1) and (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Interest rate.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;7.5%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;8.0%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;8.5%</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Mortality table.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;UP&#8209;1984.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Appendix D.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Alternative: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify 1983 GAM, 1983 IAM, 1971 GAM or 1971 IAM and attach applicable tables using such mortality table and the specified interest rate as replacement Appendix D.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(f)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Uniform points. </font><font style="font-family:inherit;font-size:9pt;">In accordance with the uniform points allocation provisions of Section 3.04(B)(6). Under the uniform points allocation formula, a Participant receives </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of (1) and (2). Choose (3) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Years of Service. </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;point(s) for each Year of Service. The maximum number of Years of Service counted for points is </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">"Year of Service" under this Election 28(f) means </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Eligibility.</font><font style="font-family:inherit;font-size:9pt;">&#32;Years of Service for eligibility in Election 16.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Vesting.</font><font style="font-family:inherit;font-size:9pt;">&#32;Years of Service for vesting in Elections 43 and 44.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: A Year of Service must satisfy Treas. Reg. &#167;1.401(a)(4)&#8209;11(d)(3) for the uniform points allocation to qualify as a safe harbor allocation under Treas. Reg. &#167;1.401(a)(4)&#8209;2(b)(3).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Age. </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;point(s) for each year of age attained during the Plan Year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Compensation. </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;point(s) for each $</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(not to exceed $200)</font><font style="font-family:inherit;font-size:9pt;">&#32;increment of Plan Year Compensation.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(g)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Related and Participating Employers. </font><font style="font-family:inherit;font-size:9pt;">If any Related and Participating Employers (or in the case of a Multiple Employer Plan, Participating Employers regardless of whether they are Related Employers) contribute Nonelective Contributions to the Plan, the Plan Administrator will allocate the Nonelective Contributions made by the Participating Employer(s) under Election 27(d) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1) and (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation Method.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;All the same.</font><font style="font-family:inherit;font-size:9pt;">&#32;Using the same allocation method as applies to the Signatory Employer under this Election 28.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;At least one different.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under the following allocation method(s): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation sharing.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan Administrator will allocate the Nonelective Contributions made by the Signatory Employer and by any Participating Employer </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employer by Employer.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only to the Participants directly employed by the contributing Employer.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Across Employer lines.</font><font style="font-family:inherit;font-size:9pt;">&#32;To all Participants regardless of which Employer directly employs them and regardless of whether their direct Employer made Nonelective Contributions for the Plan Year.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 28(g) unless there are Related Employers which are also Participating Employers. See Section 1.24(D) and Election 27(d). If the Employer elects 28(g)(2)a., the Employer should also elect 11(k)(2), to disregard the Compensation paid by "Y" Participating Employer in determining the allocation of the "X" Participating Employer contribution to a Participant (and vice versa) who receives Compensation from both X and Y. If the Employer elects 28(g)(2)b., the Employer should not elect 11(k)(2). Election 28(g)(2)a. does not apply to Safe Harbor Nonelective Contributions.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(h)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(The formula described must satisfy the definitely determinable requirement under Treas. Reg. &#167;1.401&#8209;1(b).&#160; If the formula is non&#8209;uniform, it is not a design&#8209;based safe harbor for nondiscrimination purposes.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">QNEC (PLAN&#8209;DESIGNATED)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.04(C)(1))</font><font style="font-family:inherit;font-size:9pt;">. The following provisions apply regarding Plan&#8209;Designated QNECs </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Regardless of its elections under this Election 29, the Employer under Section 3.04(C)(2) may elect for any Plan Year where the Plan is using Current Year Testing to make Operational QNECs which the Plan Administrator will allocate only to NHCEs for purposes of correction of an ADP or ACP test failure</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Not applicable.</font><font style="font-family:inherit;font-size:9pt;">&#32;There are no Plan&#8209;Designated QNECs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies.</font><font style="font-family:inherit;font-size:9pt;">&#32;There are Plan&#8209;Designated QNECs to which the following provisions apply </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1), (2), and (3).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Nonelective Contributions affected.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following Nonelective Contributions (as allocated to the designated allocation group under Election 29(b)(2)) are Plan&#8209;Designated QNECs </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All.</font><font style="font-family:inherit;font-size:9pt;">&#32;All Nonelective Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Designated.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only the following Nonelective Contributions under Election 27: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation Group.</font><font style="font-family:inherit;font-size:9pt;">&#32;Subject to Section 3.06, allocate the Plan&#8209;Designated QNEC </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;NHCEs only.</font><font style="font-family:inherit;font-size:9pt;">&#32;Only to NHCEs under the method elected in Election 29(b)(3).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All Participants.</font><font style="font-family:inherit;font-size:9pt;">&#32;To all Participants under the method elected in Election 29(b)(3).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation Method.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan Administrator will allocate a Plan&#8209;Designated QNEC using the following method </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of&#160;a., b., c., or d.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Pro rata.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Flat dollar.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Reverse.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 3.04(C)(3).</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">d.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(The formula described must satisfy the definitely determinable requirement under Treas. Reg. &#167;1.401&#8209;1(b).&#160; If the formula is non&#8209;uniform, it is not a design&#8209;based safe harbor for nondiscrimination purposes.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: See Section 4.10(D) as to targeting limitations applicable to QNEC nondiscrimination testing.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">SAFE HARBOR 401(k) PLAN (SAFE HARBOR CONTRIBUTIONS/ADDITIONAL MATCHING CONTRIBUTIONS)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.05)</font><font style="font-family:inherit;font-size:9pt;">. The Employer under Election 6(e) will (or in the case of the Safe Harbor Nonelective Contribution may) contribute the following Safe Harbor Contributions described in Section 3.05(E) and will or may contribute Additional Matching Contributions described in Section 3.05(F) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) through (e) when and as applicable. Complete (f) and (i). Choose (g), (h), and (j) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 30 p.1930</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Safe Harbor Nonelective Contribution (including QACA).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Safe Harbor Nonelective Contribution equals </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;3&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of a Participant's Compensation [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The amount in the blank must be at least 3%. The Safe Harbor Nonelective Contribution applies toward (offsets) most other Employer Nonelective Contributions. See Section 3.05(E)(12).</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Safe Harbor Nonelective Contribution (including QACA)/delayed year&#8209;by&#8209;year election (maybe and</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">supplemental notices).</font><font style="font-family:inherit;font-size:9pt;">&#32;In connection with the Employer's provision of the maybe notice under Section</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">3.05(I)(1), the Employer elects into safe harbor status by giving the supplemental notice</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">and by making this Election 30(b) to provide for a Safe Harbor Nonelective Contribution equal to </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify amount at least equal to 3%)</font><font style="font-family:inherit;font-size:9pt;">&#32;of a Participant's Compensation. This Election 30(b) and safe harbor status applies for the Plan Year ending: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify Plan Year end)</font><font style="font-family:inherit;font-size:9pt;">, which is the Plan Year to which the Employer's maybe and supplemental notices apply.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: An Employer distributing the maybe notice can use election 30(b) without completing the year. Doing so requires the Plan to perform Current Year Testing unless the Employer decides to elect safe harbor status. If the Employer wishes to elect safe harbor status for a single year, the Employer must amend the Plan to enter the Plan Year end above.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Basic Matching Contribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to 100% of each Participant's Elective Deferrals not exceeding 3% of the Participant's Compensation, plus 50% of each Participant's Elective Deferrals in excess of 3% but not in excess of 5% of the Participant's Compensation. See Sections 1.35(E) and 3.05(E)(4). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Time period.</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of this Election 30(c), "Compensation" and "Elective Deferrals" mean Compensation and Elective Deferrals for: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer must complete the blank line with the applicable time period for computing the Basic Match, such as "each payroll period," "each calendar month," "each Plan Year quarter" or "the Plan Year."</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;QACA Basic Matching Contribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to 100% of a Participant's Elective Deferrals not exceeding 1% of the Participant's Compensation, plus 50% of each Participant's Elective Deferrals in excess of 1% but not in excess of 6% of the Participant's Compensation. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1).)</font><font style="font-family:inherit;font-size:9pt;">: [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: This election is available only if the Employer has elected the QACA automatic deferrals provisions under Election 21.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Time period. </font><font style="font-family:inherit;font-size:9pt;">For purposes of this Election 30(d), "Compensation" and "Elective Deferrals" mean Compensation and Elective Deferrals for: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer must complete the blank line with the applicable time period for computing the QACA Basic Match, such as "each payroll period," "each calendar month," "each Plan Year quarter" or "the Plan Year."</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Enhanced Matching Contribution (including QACA).</font><font style="font-family:inherit;font-size:9pt;">&#32;See Sections 1.35(F) and 3.05(E)(6). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2) and complete (3) for any election.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Uniform percentage.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of each Participant's Elective Deferrals but not as to Elective Deferrals exceeding </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of the Participant's Compensation.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tiered formula.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to the specified matching rate for the corresponding level of each Participant's Elective Deferral percentage. A Participant's Elective Deferral percentage is equal to the Participant's Elective Deferrals divided by his/her Compensation.</font></div></td></tr></table><div style="line-height:120%;padding-top:4px;text-align:justify;padding-left:144px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Elective Deferral Percentage</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Matching Rate</font></div><div style="line-height:120%;padding-top:4px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="line-height:120%;padding-top:4px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="line-height:120%;padding-top:4px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Time period.</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of this Election 30(e), "Compensation" and "Elective Deferrals" mean Compensation and Elective Deferrals for: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer must complete the blank line with the applicable time period for computing the Enhanced Match, such as "each payroll period," "each calendar month," "each Plan Year quarter" or "the Plan Year."</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The matching rate may not increase as the Elective Deferral percentage increases and the Enhanced Matching formula otherwise must satisfy the requirements of Code &#167;&#167;401(k)(12)(B)(ii) and (iii) (taking into account Code &#167;401(k)(13)(D)(ii) in the case of a QACA). If the Employer elects to satisfy the ACP safe harbor under Election 38(a)(2)a., the Employer also must limit Elective Deferrals taken into account for the Enhanced Matching Contribution to a maximum of 6% of Plan Year Compensation.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participants who will receive Safe Harbor Contributions. </font><font style="font-family:inherit;font-size:9pt;">The allocation of Safe Harbor Contributions </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1), (2), or (3). Choose (4) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies to all Participants.</font><font style="font-family:inherit;font-size:9pt;">&#32;Applies to all Participants except as may be limited under Election 30(g).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;NHCEs only.</font><font style="font-family:inherit;font-size:9pt;">&#32;Is limited to NHCE Participants only and may be limited further under Election 30(g). 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The Employer under this Election 30(g) applies the rules of Section 3.05(D) to limit the allocation of any Safe Harbor Contribution under Election 30 for a Plan Year to those Participants who the Plan Administrator in applying the OEE rule described in Section 4.06(C), treats as benefiting in the disaggregated plan covering the Includible Employees.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(h)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Another plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer will make the Safe Harbor Contribution to the following plan: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Uniform percentage.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of each Participant's Elective Deferrals but not as to Elective Deferrals exceeding </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of the Participant's Compensation.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:114px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Tiered formula.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Matching Contribution equal to the specified matching rate for the corresponding level of each Participant's Elective Deferral percentage. A Participant's Elective Deferral percentage is equal to the Participant's Elective Deferrals divided by his/her Compensation.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:144px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Elective Deferral Percentage</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Matching Rate</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><div style="line-height:120%;padding-top:5px;text-align:justify;padding-left:186px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Time period.</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of this Election 30(i)(2)a., "Compensation" and "Elective Deferrals" mean Compensation and Elective Deferrals for: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer must complete the blank line with the applicable time period for computing the Additional Match, e.g., each payroll period, each calendar month, each Plan Year quarter OR the Plan Year. If the Employer elects a match under both (i) and (ii) and will apply a different time period to each match, the Employer may indicate as such in the blank line.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Discretionary Additional Matching Contribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer may make a Discretionary Additional Matching Contribution. If the Employer makes a Discretionary Matching Contribution, the Discretionary Matching Contribution will not apply as to Elective Deferrals exceeding </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of the Participant's Compensation </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(complete the blank if applicable or leave blank)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Time period.</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of this Election 30(i)(2)b., "Compensation" and "Elective Deferrals" mean Compensation and Elective Deferrals for: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer must complete the blank line with the applicable time period for computing the Additional Discretionary Matching Contribution, e.g., each payroll period, each calendar month, each Plan Year quarter OR the Plan Year. If the Employer fails to specify a time period, the Employer is deemed to have elected to compute its Additional Matching Contribution based on the Plan Year.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe Additional Matching Contribution formula and time period:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(The formula described must satisfy the definitely determinable requirement under Treas. Reg. &#167;1.401&#8209;1(b) and, if the Employer elects to satisfy the ACP safe harbor under Election 38(a)(2)a., the formula must comply with Section 3.05(G).)</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer elects to satisfy the ACP safe harbor under Election 38(a)(2)a. then as to any and all Matching Contributions, including Fixed Additional Matching Contributions and Discretionary Additional Matching Contributions: (i) the matching rate may not increase as the Elective Deferral percentage increases; (ii) no HCE may be entitled to a greater rate of match than any NHCE; (iii) the Employer must limit Elective Deferrals taken into account for the Additional Matching Contributions to a maximum of 6% of Plan Year Compensation; (iv) the Plan must apply all Matching Contributions to Catch&#8209;Up Deferrals; and (v) in the case of a Discretionary Additional Matching Contribution, the contribution amount may not exceed 4% of the Participant's Plan Year Compensation.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Multiple Safe Harbor Contributions in disaggregated Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer elects to make different Safe Harbor Contributions and/or Additional Matching Contributions to disaggregated parts of its Plan under Treas. Reg. &#167;1.401(k)&#8209;1(b)(4) as follows: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify contributions for disaggregated plans, e.g., as to collectively bargained employees a 3% Nonelective Safe Harbor Contribution applies and as to non&#8209;collectively bargained employees, the Basic Matching Contribution applies)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ALLOCATION CONDITIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.06(B)/(C))</font><font style="font-family:inherit;font-size:9pt;">. The Plan does not apply any allocation conditions to: (i) Elective Deferrals; (ii) Safe Harbor Contributions; (iii) Additional Matching Contributions which will satisfy the ACP test safe harbor; (iv) Employee Contributions; (v) Rollover Contributions; (vi) Designated IRA Contributions; (vii) SIMPLE Contributions; or (viii) Prevailing Wage Contributions. To receive an allocation of Matching Contributions, Nonelective Contributions or Participant forfeitures, a Participant must satisfy the following allocation condition(s) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b). Choose (c) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No conditions.</font><font style="font-family:inherit;font-size:9pt;">&#32;No allocation conditions apply to Matching Contributions, to Nonelective Contributions or to forfeitures.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Conditions.</font><font style="font-family:inherit;font-size:9pt;">&#32;The following allocation conditions apply to the designated Contribution Type and/or forfeitures </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (7). Choose Contribution Type as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: For this Election 31, except as the Employer describes otherwise in Election 31(b)(7) or as provided in Sections 3.03(C)(2) and 3.04(C)(2) regarding Operational QMACs and Operational QNECs, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions to which allocation conditions may apply. The Employer under Election 31(b)(7) may not impose an Hour of Service condition exceeding 1,000 Hours of Service in a Plan Year.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"></font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"></font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Matching,</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Nonelective</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:353px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">and Forfeitures&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective&#160;&#160;&#160;&#160;Forfeitures</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">None.&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:300px;text-indent:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(See Election 31(a))</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">501 HOS/terminees</font><font style="font-family:inherit;font-size:9pt;">&#32;(91 consecutive days if&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Elapsed Time). See Section 3.06(B)(1)(b).</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Last day of the Plan Year.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Last day of the Election 31(c) time period.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">1,000 HOS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">in the Plan Year</font><font style="font-family:inherit;font-size:9pt;">&#32;(182 consecutive&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">days in Plan Year if Elapsed Time).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;(specify) HOS within the Election&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">31(c) time period,</font><font style="font-family:inherit;font-size:9pt;">&#32;(but not exceeding 1,000 HOS&#160;in&#160;a&#160;Plan Year).</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(7)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe conditions:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(e.g., Last day of the Plan Year as to Nonelective Contributions for Participating Employer "A" Participants. 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Under Section 3.06(D), in the event of Severance from Employment as described below, apply or do not apply Election 31(b) allocation conditions to the specified contributions/forfeitures as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(If the Employer elects 31(b), the Employer must complete Election 32. Choose one of (a) or (b). 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font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies.</font><font style="font-family:inherit;font-size:9pt;">&#32;Applies as follows</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;Both.</font><font style="font-family:inherit;font-size:9pt;">&#32;Applies both to Nonelective Contributions and to Matching Contributions.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Nonelective.</font><font style="font-family:inherit;font-size:9pt;">&#32;Applies only to Nonelective Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Match.</font><font style="font-family:inherit;font-size:9pt;">&#32;Applies only to Matching Contributions.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Does not apply.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">33.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">FORFEITURE ALLOCATION METHOD</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.07)</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">: 33 p.2233</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;text-indent:-55px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Even if the Employer elects immediate vesting, the Employer should complete Election 33. See Section 7.07.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Safe harbor/top&#8209;heavy exempt. </font><font style="font-family:inherit;font-size:9pt;">Apply all forfeitures to Safe Harbor Contributions and Plan expenses in accordance with Section 3.07(A)(4).</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Apply to Contributions. </font><font style="font-family:inherit;font-size:9pt;">The Plan Administrator will allocate a Participant forfeiture attributable to all Contribution Types or attributable to all Nonelective Contributions or to all Matching Contributions as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (6) and choose Contribution Type as applicable. Choose (5) only in conjunction with at least one other election.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;padding-top:8px;text-align:justify;text-indent:432px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"></font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)</font></div><div style="line-height:120%;text-align:justify;text-indent:430px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Nonelective&#160;&#160;&#160;&#160;Matching</font></div><div style="line-height:120%;text-align:justify;text-indent:409px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Forfeitures&#160;&#160;&#160;&#160;Forfeitures&#160;&#160;&#160;&#160;Forfeitures</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Additional Nonelective.</font><font style="font-family:inherit;font-size:9pt;">&#32;Allocate as additional Discretionary&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Nonelective Contribution.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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See Election 21 regarding Automatic Deferrals. Automatic Escalation applies to Participants who have a Salary Reduction Agreement in effect.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Do not apply. </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Apply. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1), (2), (3), and if appropriate (4).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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The group of Participants must be definitely determinable and if an EACA under Election 21, must be uniform.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Automatic Increases.</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Automatic increase. </font><font style="font-family:inherit;font-size:9pt;">The Participant&#8217;s Elective Deferrals will increase by </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% per year up to a maximum of </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">% of Compensation unless the Participant has filed a Contrary Election after the effective date of this Election or, as appropriate, any amendment thereto.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe increase: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer in Election 34(b)(2)b. may define different increases for different groups of Participants or may otherwise limit Automatic Escalation. Any such provisions must be definitely determinable.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Change Date. </font><font style="font-family:inherit;font-size:9pt;">The Elective Deferrals will increase on the following day each Plan Year: </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;First day of the Plan Year. </font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">36.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EMPLOYEE (AFTER&#8209;TAX) CONTRIBUTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.09)</font><font style="font-family:inherit;font-size:9pt;">. The following additional elections apply to Employee Contributions under Election 6(f). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of (a) and (b) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Additional limitations. </font><font style="font-family:inherit;font-size:9pt;">The Plan permits Employee Contributions subject to the following limitations, if any, in addition to those already imposed under the Plan: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Any designated limitation(s) must be the same for all Participants and must be definitely determinable (e.g., Employee Contributions may not exceed the lesser of $5,000 dollars or 10% of Compensation for the Plan Year and/or Employee Contributions may not be less than $50 or 2% of Compensation per payroll period).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Apply Matching Contribution. </font><font style="font-family:inherit;font-size:9pt;">For each Plan Year, the Employer's Matching Contribution made as to Employee Contributions is: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer Matching Contribution formula must be the same for all Participants and must be definitely determinable (e.g., A fixed Matching Contribution equal to 50% of Employee Contributions not exceeding 6% of Plan Year Compensation or A Discretionary Matching Contribution based on Employee Contributions).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">37.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">DESIGNATED IRA CONTRIBUTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.12)</font><font style="font-family:inherit;font-size:9pt;">. Under Election 6(h), a Participant may make Designated IRA Contributions. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (a) and (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Type of IRA contribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant's Designated IRA Contributions will be </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1), (2), or (3).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Traditional.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Roth.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Traditional/Roth.</font><font style="font-family:inherit;font-size:9pt;">&#32;As the Participant elects at the time of contribution.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Type of Account.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant's Designated IRA Contributions will be held in the following form of Account(s) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1), (2), or (3).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;IRA.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Individual Retirement Annuity.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;IRA/Individual Retirement Annuity.</font><font style="font-family:inherit;font-size:9pt;">&#32;As the Participant elects at the time of contribution.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE IV</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">LIMITATIONS AND TESTING</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ANNUAL TESTING ELECTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(4.06(B))</font><font style="font-family:inherit;font-size:9pt;">. The Employer makes the following Plan specific annual testing elections under Section 4.06(B). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (a) and (b) as applicable. Leave (a) blank if the Plan is a SIMPLE 401(k) plan.)</font><font style="font-family:inherit;font-size:9pt;">: 38 p.2438</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Nondiscrimination testing.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1), (2), and (3).)</font><font style="font-family:inherit;font-size:9pt;">: </font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Traditional 401(k) Plan/ADP/ACP test. </font><font style="font-family:inherit;font-size:9pt;">The following testing method(s) apply:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Plan may "split test". For Current Year Testing, See Section 4.11(E). For Prior Year Testing, see Section 4.11(I) and, as to the first Plan Year, see Sections 4.10(B)(4)(f)(iv) and 4.10(C)(5)(e)(iv).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:114px;text-indent:-60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ADP Test </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Current Year Testing.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Prior Year Testing.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:114px;text-indent:-60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ACP Test </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of c., d., or e.)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Not applicable. </font><font style="font-family:inherit;font-size:9pt;">The Plan does not permit Matching Contributions or Employee Contributions and the Plan Administrator will not recharacterize Elective Deferrals as Employee Contributions for testing.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">d.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Current Year Testing.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">e.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Prior Year Testing.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Safe Harbor Plan</font><font style="font-family:inherit;font-size:9pt;">/</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">No testing or ACP test only. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;No testing.</font><font style="font-family:inherit;font-size:9pt;">&#32;ADP test safe harbor applies and if applicable, ACP test safe harbor applies.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;ACP test only. </font><font style="font-family:inherit;font-size:9pt;">ADP test safe harbor applies, but Plan will perform ACP test as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (i) or (ii).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Current Year Testing.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(ii)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Prior Year Testing.</font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;&#32;&#32;</font><font style="font-family:inherit;font-size:9pt;">]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Maybe notice (Election 30(b)).</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 3.05(I).</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may make elections under both the Traditional 401(k) Plan and Safe Harbor Plan elections, in order to accommodate a Plan that applies both testing elections (e.g., Safe Harbor Includible Employees group and tested Otherwise Excludible Employees group, or Safe Harbor Plan with tested after&#8209;tax Employee Contributions). In the absence of an election regarding ADP or ACP tested contributions, Current Year Testing applies.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">HCE determination.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Top&#8209;Paid Group election and the calendar year data election are not used unless elected below</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose one or both of (1) and (2) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Top&#8209;paid group election applies.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Calendar year data election (fiscal year Plan only) applies.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE V</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">VESTING REQUIREMENTS</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">NORMAL RETIREMENT AGE</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(5.01)</font><font style="font-family:inherit;font-size:9pt;">. A Participant attains Normal Retirement Age under the Plan on the following date </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">: 39 p.2539</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Specific age.</font><font style="font-family:inherit;font-size:9pt;">&#32;The date the Participant attains age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;60&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The age may not exceed age 65.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Age/participation.</font><font style="font-family:inherit;font-size:9pt;">&#32;The later of the date the Participant attains age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;or the </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;anniversary of the first day of the Plan Year in which the Participant commenced participation in the Plan. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The age may not exceed age 65 and the anniversary may not exceed the 5th.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EARLY RETIREMENT AGE</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;(5.01)</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">: 40 p.2540</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Not applicable.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan does not provide for an Early Retirement Age.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Early Retirement Age.</font><font style="font-family:inherit;font-size:9pt;">&#32;Early Retirement Age is the later of: (i) the date a Participant attains age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">; (ii) the date a Participant reaches his/her </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;anniversary of the first day of the Plan Year in which the Participant commenced participation in the Plan; or (iii) the date a Participant completes </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;Years of Service.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer should leave blank any of clauses (i), (ii), and (iii) which are not applicable.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">"Years of Service" under this Election 40 means </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Eligibility.</font><font style="font-family:inherit;font-size:9pt;">&#32;Years of Service for eligibility in Election 16.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Vesting.</font><font style="font-family:inherit;font-size:9pt;">&#32;Years of Service for vesting in Elections 43 and 44.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Election of an Early Retirement Age does not affect the time at which a Participant may receive a Plan distribution. However, a Participant becomes 100% vested at Early Retirement Age.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ACCELERATION ON DEATH OR DISABILITY</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(5.02)</font><font style="font-family:inherit;font-size:9pt;">. Under Section 5.02, if a Participant incurs a Severance from Employment as a result of death or Disability </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a), (b), or (c).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply 100% vesting.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Not applicable.</font><font style="font-family:inherit;font-size:9pt;">&#32;Do not apply 100% vesting. The Participant's vesting is in accordance with the applicable Plan vesting schedule.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Limited application.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply 100% vesting, but only if a Participant incurs a Severance from Employment as a result of </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Death.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Disability.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">42.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">VESTING SCHEDULE</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(5.03)</font><font style="font-family:inherit;font-size:9pt;">. A Participant has a 100% Vested interest at all times in his/her Accounts attributable to: (i) Elective Deferrals; (ii) Employee Contributions; (iii) QNECs; (iv) QMACs; (v) Safe Harbor Contributions (other than QACA Safe Harbor Contributions); (vi) SIMPLE Contributions; (vii) Rollover Contributions; (viii) Prevailing Wage Contributions; (ix) DECs; and (x) Designated IRA Contributions. The following vesting schedule applies to Regular Matching Contributions, to Additional Matching Contributions (irrespective of ACP testing status), to Nonelective Contributions (other than Prevailing Wage Contributions) and to QACA Safe Harbor Contributions. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) or choose one or both of (b) and (c) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 42 p.2542</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Immediate vesting.</font><font style="font-family:inherit;font-size:9pt;">&#32;100% Vested at all times in all Accounts.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Unless </font><font style="font-family:inherit;font-size:9pt;font-style:italic;text-decoration:underline;">all</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;Contribution Types are 100% Vested, the Employer should not elect 42(a). If the Employer elects immediate vesting under 42(a), the Employer should not complete the balance of Election 42 or Elections 43 and 44 (except as noted therein). The Employer must elect 42(a) if the eligibility Service condition under Election 14 as to </font><font style="font-family:inherit;font-size:9pt;font-style:italic;text-decoration:underline;">all</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;Contribution Types (except Elective Deferrals and Safe Harbor Contributions) exceeds one Year of Service or more than 12 months. The Employer must elect 42(b)(1) as to any Contribution Type where the eligibility service condition exceeds one Year of Service or more than 12 months. 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style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Years of Service</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Vested %</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Less than 1&#160;&#160;&#160;&#160;a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1&#160;&#160;&#160;&#160;b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font></div><div 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[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The number may not exceed 1,000. If left blank, the requirement is 1,000.</font><font style="font-family:inherit;font-size:9pt;">]</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Vesting Computation Period.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan measures a Year of Service based on the following 12&#8209;consecutive month period </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Plan Year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Anniversary Year.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">44.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EXCLUDED YEARS OF SERVICE &#8209; VESTING</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(5.05(C))</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">: 44 p.2744</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rule of</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Parity. </font><font style="font-family:inherit;font-size:9pt;">Any Year of Service excluded under the rule of parity. 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Distribute as soon as is practical following a Forfeiture Break in Service if the Participant is not fully Vested.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe Severance from Employment distribution timing:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 46(i) may describe Severance from Employment distribution timing provisions from the elections available under Election 46 and/or a combination thereof as to any: (i) Participant group (e.g., Immediate distribution after Severance from Employment applies to Division A Employees OR to Employees hired on/before "x" date. Distribution after the next Valuation Date following Severance from Employment applies to Division B Employees OR to Employees hired after "x" date.); (ii) Contribution Type and Participant group (e.g., As to Division A Employees, immediate distribution after Severance from Employment applies as to Elective Deferral Accounts and distribution after the next Valuation Date following Severance from Employment applies to Nonelective Contribution Accounts); and/or (iii) merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer's election under Election 46(i) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) comply with Code &#167;401(a)(14) timing requirements; (iv) be nondiscriminatory and (v) preserve Protected Benefits as required.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Acceleration.</font><font style="font-family:inherit;font-size:9pt;">&#32;Notwithstanding any later specified distribution date in Election 46, a Participant may elect an earlier distribution following Severance from Employment</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose (1) and (2) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Disability.</font><font style="font-family:inherit;font-size:9pt;">&#32;If Severance from Employment is on account of Disability or if the Participant incurs a Disability following Severance from Employment.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hardship.</font><font style="font-family:inherit;font-size:9pt;">&#32;If the Participant incurs a hardship under Section 6.07(B) following Severance from Employment.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">47.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">IN&#8209;SERVICE DISTRIBUTIONS/EVENTS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.01(C))</font><font style="font-family:inherit;font-size:9pt;">. A Participant may elect an In&#8209;Service Distribution of the designated Contribution Type Accounts based on any of the following events in accordance with Section 6.01(C) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">: 47 p.2947</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer elects any In&#8209;Service Distribution option, a Participant may elect to receive as many In&#8209;Service Distributions per Plan Year (with a minimum of one per Plan Year) as the Plan Administrator's In&#8209;Service Distribution form or policy may permit. If the form or policy is silent, the number of In&#8209;Service Distributions is not limited. Prevailing Wage Contributions are treated as Nonelective Contributions. See Section 6.01(C)(4)(d) if the Employer elects to use Prevailing Wage Contributions to offset other contributions.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;None.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan does not permit any In&#8209;Service Distributions except as to any of the following (if applicable): (i) RMDs under Section 6.02; (ii) Protected Benefits; and (iii) Designated IRA Contributions. Also see Section 6.01(C)(4)(e) with regard to Rollover Contributions, Employee Contributions and DECs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Permitted.</font><font style="font-family:inherit;font-size:9pt;">&#32;In&#8209;Service Distributions are permitted as follows from the designated Contribution Type Accounts </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (9).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Unless the Employer elects otherwise in Election (b)(9) below, Elective Deferrals under Election 47(b) includes Pre&#8209;Tax and Roth Deferrals and Matching Contributions includes Additional Matching Contributions (irrespective of the Plan's ACP testing status).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;text-indent:240px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"></font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)&#160;&#160;&#160;&#160;(5)&#160;&#160;&#160;&#160;(6)&#160;&#160;&#160;&#160;(7)</font></div><div style="line-height:120%;text-align:justify;text-indent:240px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Elective&#160;&#160;&#160;&#160;Safe Harbor&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective/</font></div><div style="line-height:120%;text-align:justify;text-indent:240px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contrib.&#160;&#160;&#160;&#160;Deferrals&#160;&#160;&#160;&#160;Contrib.&#160;&#160;&#160;&#160;QNECs&#160;&#160;&#160;&#160;QMACs&#160;&#160;&#160;&#160;Contrib.&#160;&#160;&#160;&#160;SIMPLE</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">None. </font><font style="font-family:inherit;font-size:9pt;">Except for</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Election 47(a)&#160;&#160;&#160;&#160;(See Election</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">exceptions.&#160;&#160;&#160;&#160;47(a))</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Age </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or</font></div><div style="line-height:120%;text-align:justify;padding-left:24px;text-indent:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;"></font><font style="font-family:inherit;font-size:9pt;font-style:italic;">both of a. and b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;59 1/2&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(must</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:110px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">be at least 59 1/2)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(may</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:110px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">be less than 59 1/2)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Hardship </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one</font></div><div style="line-height:120%;text-align:justify;padding-left:24px;text-indent:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">or both of a. and b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Hardship (safe&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[X]</font></div><div style="line-height:120%;text-align:justify;padding-left:110px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">harbor).</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 6.07(A).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font 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style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Disability.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;[X]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[X]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;year&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;N/A&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">contributions.</font></div><div style="line-height:120%;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify minimum of two years)</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 6.01(C)(4)(a)(i).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font 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provisions from the elections available under Election 47 and/or a combination thereof as to any: (i) Participant group (e.g., Division A Employee Accounts are distributable at age 59 1/2 OR Accounts of Employees hired on/before "x" date are distributable at age 59 1/2. No In-Service Distributions apply to Division B Employees OR to Employees hired after "x" date.); (ii) Contribution Type (e.g., Discretionary Nonelective Contribution Accounts are distributable on Disability. Fixed Nonelective Contribution Accounts are distributable on Disability or Hardship (non-safe harbor)); and/or (iii) merged plan account </font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer's election under Election 47(b)(9) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an "early" distribution of any Restricted 401(k) Accounts or Restricted Pension Accounts. See Sections 6.01(C)(4) and 11.02(C)(3).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">48.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">IN&#8209;SERVICE DISTRIBUTIONS/ADDITIONAL CONDITIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.01(C))</font><font style="font-family:inherit;font-size:9pt;">. The following additional conditions apply to In&#8209;Service Distributions under Election 47(b) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Additional conditions. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (3) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;100% vesting required. </font><font style="font-family:inherit;font-size:9pt;">A Participant may not receive an In&#8209;Service Distribution unless the Participant is 100% Vested in the distributing Account. This restriction applies to </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hardship distributions.</font><font style="font-family:inherit;font-size:9pt;">&#32;Distributions based on hardship.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other In&#8209;Service.</font><font style="font-family:inherit;font-size:9pt;">&#32;In&#8209;Service distributions other than distributions based on hardship.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Minimum amount. </font><font style="font-family:inherit;font-size:9pt;">A Participant may not receive an In&#8209;Service Distribution in an amount which is less than: $</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify amount not exceeding $1,000)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe other conditions: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: An Employer's election under Election 48(a)(3) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an "early" distribution of any Restricted 401(k) Accounts or Restricted Pension Accounts. See Section 6.01(C)(4).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;No other conditions.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant may elect to receive an In&#8209;Service Distribution upon any Election 47(b) event without further condition, provided that the amount distributed may not exceed the Vested amount in the distributing Account.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">49.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">POST&#8209;SEVERANCE AND LIFETIME RMD DISTRIBUTION METHODS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.03)</font><font style="font-family:inherit;font-size:9pt;">. A Participant whose Vested Account Balance exceeds $5,000 (or any lesser amount elected in Appendix B, Election 56(g)(7)): (i) who has incurred a Severance from Employment and will receive a distribution; or (ii) who remains employed but who must receive lifetime RMDs, may elect distribution under one of the following method(s) of distribution described in Section 6.03 and subject to any Section 6.03 limitations. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (f) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">: 49 p.3049</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If a Participant dies after Severance from Employment but before receiving distribution of all of his/her Account, the elections under this Election 49 no longer apply. See Section 6.01(B) and Election 50.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Lump&#8209;Sum. </font><font style="font-family:inherit;font-size:9pt;">See Section 6.03(A)(3).</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Installments only if Participant subject to lifetime RMDs. </font><font style="font-family:inherit;font-size:9pt;">A Participant who is required to receive lifetime RMDs may receive installments payable in monthly, quarterly or annual installments equal to or exceeding the annual RMD amount. See Sections 6.02(A) and 6.03(A)(4)(a).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Installments. </font><font style="font-family:inherit;font-size:9pt;">See Section 6.03(A)(4).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Alternative</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Annuity: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. See Section 6.03(A)(5).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under a Plan which is subject to the joint and survivor annuity distribution requirements of Section 6.04 (Election 51(b)), the Employer may elect under 49(d) to offer one or more additional annuities (Alternative Annuity) to the Plan's QJSA, QPSA or QOSA. If the Employer elects under Election 51(a) to exempt Exempt Participants from the joint and survivor annuity requirements, the Employer should not elect to provide an Alternative Annuity under 49(d).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ad&#8209;Hoc distributions. </font><font style="font-family:inherit;font-size:9pt;">See Section 6.03(A)(6).</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If an Employer elects to permit Ad&#8209;Hoc distributions the option must be available to all Participants.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(f)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe distribution method(s): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 49(f)</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">may describe Severance from Employment distribution methods from the elections available under Election 49 and/or a combination thereof as to any: (i) Participant group (e.g., Division A Employee Accounts are distributable in a Lump-Sum OR Accounts of Employees hired after "x" date are distributable in a Lump-Sum. Division B Employee Accounts are distributable in a Lump-Sum or in Installments OR Accounts of Employees hired on/before "x" date are distributable in a Lump-Sum or in Installments.); (ii) Contribution Type (e.g., Discretionary Nonelective Contribution Accounts are distributable in a Lump-Sum. Fixed Nonelective Contribution Accounts are distributable in a Lump&#8209;Sum or in Installments); and/or (iii) merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer's election under Election 49(f) must: (i) be objectively determinable; (ii) not be subject to Employer, Plan Administrator or Trustee discretion; (iii) be nondiscriminatory; and (iv) preserve Protected Benefits as required.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">50.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">BENEFICIARY DISTRIBUTION ELECTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.01(B))</font><font style="font-family:inherit;font-size:9pt;">. Distributions following a Participant's death will be made as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a), (b), or (c); choose (d) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Immediate.</font><font style="font-family:inherit;font-size:9pt;">&#32;As soon as practical following the Participant's death.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Next Calendar Year.</font><font style="font-family:inherit;font-size:9pt;">&#32;At such time as the Beneficiary may elect, but in any event on or before the last day of the calendar year which next follows the calendar year of the Participant's death.</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">As Beneficiary elects.</font><font style="font-family:inherit;font-size:9pt;">&#32;At such time as the Beneficiary may elect, consistent with Section 6.02.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Describe:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 50(d) may describe an alternative distribution timing or afford the Beneficiary an election which is narrower than that permitted under election 50(c), or include special provisions related to certain beneficiaries, (e.g., a surviving spouse). However, any election under Election 50(d) must require distribution to commence no later than the Section 6.02 required date.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">51.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">JOINT AND SURVIVOR ANNUITY REQUIREMENTS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.04)</font><font style="font-family:inherit;font-size:9pt;">. The joint and survivor annuity distribution requirements of Section 6.04 </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Profit sharing exception.</font><font style="font-family:inherit;font-size:9pt;">&#32;Do not apply to an Exempt Participant, as described in Section 6.04(G)(1), but apply to any other Participants (or to a portion of their Account as described in Section 6.04(G)) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">One&#8209;year marriage rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under Section 7.05(A)(3) relating to an Exempt Participant's Beneficiary designation under the profit sharing exception </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">The one&#8209;year marriage rule applies.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not apply. </font><font style="font-family:inherit;font-size:9pt;">The one&#8209;year marriage rule does not apply.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE VII</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ADMINISTRATIVE PROVISIONS</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">52.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ALLOCATION OF EARNINGS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(7.04(B))</font><font style="font-family:inherit;font-size:9pt;">. For each Contribution Type provided under the Plan, the Plan allocates Earnings using the following method </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (f). 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If not a monthly weighting period, the weighting period is: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Participant-Directed Account method.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">See Section 7.04(B)(4)(e).</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Describe Earnings allocation method:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer under Election 52(f) may describe Earnings allocation methods from the elections available under Election 52 and/or a combination thereof as to any: (i) Participant group (e.g., Daily applies to Division A Employees OR to Employees hired after "x" date. Balance forward applies to Division B Employees OR to Employees hired on/before "x" date.); (ii) Contribution Type (e.g., Daily applies as to Discretionary Nonelective Contribution Accounts. Participant-Directed Account applies to Fixed Nonelective Contribution Accounts); (iii) investment type, investment vendor or Account type (e.g., Balance forward applies to investments placed with vendor A and Participant&#8209;Directed </font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">Account applies to investments placed with vendor B OR Daily applies to Participant&#8209;Directed Accounts and balance forward applies to pooled Accounts); and/or (iv) merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be subject to Earnings allocation in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer's election under Election 52(f) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; and (iii) be nondiscriminatory.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE VIII</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">TRUSTEE AND CUSTODIAN, POWERS AND DUTIES</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">53.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">VALUATION OF TRUST</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(8.02(C)(4))</font><font style="font-family:inherit;font-size:9pt;">. 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Choose Contribution Type as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Elective Deferrals/Employee Contributions also include Rollover Contributions, Transfers, DECs and Designated IRA Contributions, Matching Contributions includes all Matching Contributions and Nonelective Contributions includes all Nonelective Contributions, unless described otherwise in Election 53(d).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;(2)&#160;&#160;&#160;&#160;(3)&#160;&#160;&#160;&#160;(4)</font></div><div style="line-height:120%;text-align:justify;text-indent:453px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Elective Deferrals/</font></div><div style="line-height:120%;text-align:justify;text-indent:306px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All&#160;&#160;&#160;&#160;Employee&#160;&#160;&#160;&#160;Matching&#160;&#160;&#160;&#160;Nonelective</font></div><div style="line-height:120%;text-align:justify;text-indent:306px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contributions&#160;&#160;&#160;&#160;Contributions&#160;&#160;&#160;&#160;Contributions&#160;&#160;&#160;&#160;Contributions</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">No additional Valuation Dates.&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Daily Valuation Dates.</font><font style="font-family:inherit;font-size:9pt;">&#32;Each business day&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:53px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">of the Plan Year on which Plan assets&#160;for which there is an established market are valued and the Trustee is conducting business.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Last day of a specified period.</font><font style="font-family:inherit;font-size:9pt;">&#32;The</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;OR&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]&#160;&#160;&#160;&#160;[   ]</font></div><div style="line-height:120%;text-align:justify;padding-left:54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">last day of each </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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Daily Valuation Dates apply to Division B Employees OR to Employees hired on/before "x" date.); (ii) Contribution Type (e.g., No additional Valuation Dates apply as to Discretionary Nonelective Contribution Accounts. The last day of each Plan Year quarter applies to Fixed Nonelective Contribution Accounts); (iii) investment type, investment vendor or Account type (e.g., No additional Valuation Dates apply to investments placed with vendor A and Daily Valuation Dates apply to investments placed with vendor B OR Daily Valuation Dates apply to Participant&#8209;Directed Accounts and no additional Valuation Dates apply to pooled Accounts); and/or (iv) merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be subject to Trust valuation in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer's election under Election 53(d) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; and (iii) be nondiscriminatory.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ARTICLE XII</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">MULTIPLE EMPLOYER PLAN</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">54.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">MULTIPLE EMPLOYER PLAN</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(12.01/12.02/12.03)</font><font style="font-family:inherit;font-size:9pt;">.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">The Employer makes the following elections regarding the Plan's Multiple Employer Plan status and the application of Article XII </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Not applicable. </font><font style="font-family:inherit;font-size:9pt;">The Plan is not a Multiple Employer Plan and Article XII does not apply.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">The Plan is a Multiple Employer Plan and the Article XII Effective Date is: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. The Employer makes the following additional elections </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (1) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Participating Employer may modify. </font><font style="font-family:inherit;font-size:9pt;">See Section 12.03. 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Any restrictions must be definitely determinable and may not violate Code &#167;412 or the regulations thereunder.)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If Election (b)(1) above is not chosen, Participating Employers may not modify any Adoption Agreement elections</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">The Participation Agreement must be consistent with this Election 54(b)(1). Any Participating Employer election in the Participation Agreement which is not permitted under this Election 54(b)(1) is of no force or effect and the applicable election in the Adoption Agreement applies.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31</font></div></div><hr style="page-break-after:always"><a name="s6C736699AAE5B37F1130B8D73223B5E5"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">EXECUTION PAGE</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Employer, by executing this Adoption Agreement, hereby agrees to the provisions of this Plan and Trust.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Employer: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Simpson Manufacturing Co., Inc.&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Date: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Signed: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;&#32;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;text-indent:588px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">print name/title</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">The Trustee (and Custodian, if applicable), by executing this Adoption Agreement, hereby accepts its position and agrees to all of the obligations, responsibilities and duties imposed upon the Trustee (or Custodian) under the Volume Submitter Plan and Trust. 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style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Signed: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;&#32;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;text-indent:588px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">print name/title</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font 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style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;&#32;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;text-indent:588px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">print name/title</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Custodian(s) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Optional)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Date: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Signed: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:288px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;&#32;&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;padding-left:288px;text-indent:588px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">print name/title</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Use of Adoption Agreement.</font><font style="font-family:inherit;font-size:9pt;">&#32;Failure to complete properly the elections in this Adoption Agreement may result in disqualification of the Employer's Plan. The Employer only may use this Adoption Agreement only in conjunction with the basic plan document referenced by its document number on Adoption Agreement page one.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Execution for Page Substitution Amendment Only.</font><font style="font-family:inherit;font-size:9pt;">&#32;If this paragraph is completed, this Execution Page documents an amendment to Adoption Agreement Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;effective </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">, by substitute Adoption Agreement page number(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. The Employer should retain all Adoption Agreement Execution Pages and amended pages. [</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Effective Date may be retroactive or may be prospective</font><font style="font-family:inherit;font-size:9pt;">.]</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter Plan Sponsor.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Volume Submitter Plan Sponsor identified on the first page of the basic plan document will notify all adopting Employers of any amendment to this Volume Submitter Plan or of any abandonment or discontinuance by the Volume Submitter Plan Sponsor of its maintenance of this Volume Submitter</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;</font><font style="font-family:inherit;font-size:9pt;">Plan. For inquiries regarding the adoption of the Volume Submitter Plan, the Volume Submitter Plan Sponsor's intended meaning of any Plan provisions or the effect of the Advisory Letter issued to the Volume Submitter Plan Sponsor, please contact the Volume Submitter Plan Sponsor at the following address and telephone number: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;2175 North California Boulevard, Suite 810, Walnut Creek, CA 94596, (888) 881-4015&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Reliance on Sponsor Advisory Letter.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Volume Submitter Plan Sponsor has obtained from the IRS an Advisory Letter specifying the form of this Adoption Agreement and the basic plan document satisfy, as of the date of the Advisory Letter, Code &#167;401. An adopting Employer may rely on the Volume Submitter Sponsor's IRS Advisory Letter </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">only</font><font style="font-family:inherit;font-size:9pt;">&#32;to the extent provided in Rev. Proc. 2011&#8209;49. The Employer may not rely on the Advisory Letter in certain other circumstances or with respect to certain qualification requirements, which are specified in the Advisory Letter and in Rev. Proc. 2011&#8209;49 or subsequent guidance. In order to have reliance in such circumstances or with respect to such qualification requirements, the Employer must apply for a determination letter to Employee Plans Determinations of the IRS.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">32</font></div></div><hr style="page-break-after:always"><a name="s055E5CEF34F79EA8A642B8D73461FFCD"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">SPECIAL RETROACTIVE OR PROSPECTIVE EFFECTIVE DATES</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">SPECIAL EFFECTIVE DATES</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.20)</font><font style="font-family:inherit;font-size:9pt;">. The Employer elects or does not elect Appendix A special Effective Date(s) as follows. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) or one or more of (b) through (s) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: If the Employer elects 55(a), do not complete the balance of this Election 55.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Not applicable. </font><font style="font-family:inherit;font-size:9pt;">The Employer does not elect any Appendix A special Effective Dates.</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The Employer may use this Appendix A to specify an Effective Date for one or more Adoption Agreement elections which does not correspond to the Plan's new Plan or Restated Plan Effective Date under Election 4. As to Restated Plans, for periods prior to: (i) the below&#8209;specified special Effective Date(s); or (ii) the Restated Plan's general Effective Date under Election 4, as applicable, the Plan terms in effect prior to its restatement under this Adoption Agreement control for purposes of the designated provisions.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Trustee (1.67). </font><font style="font-family:inherit;font-size:9pt;">The Trustee provisions under Election 5 or Appendix C are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contribution Types (1.12).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Contribution Types under Election(s) 6 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;(b)(1)&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;October 1, 2014&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Excluded Employees (1.22(D)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Excluded Employee provisions under Election(s) 8 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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                                   &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(g)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Eligibility (2.01&#8209;2.03).</font><font style="font-family:inherit;font-size:9pt;">&#32;The eligibility provisions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 14&#8209;19 as applicable)</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(h)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Elective Deferrals (3.02(A)&#8209;(D)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Elective Deferral provisions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 20&#8209;23 as applicable)</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Matching Contributions (3.03). </font><font style="font-family:inherit;font-size:9pt;">The Matching Contribution provisions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 24&#8209;26 as applicable) </font><font style="font-family:inherit;font-size:9pt;">are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Nonelective Contributions (3.04).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Nonelective Contribution provisions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 27-29 as applicable) </font><font style="font-family:inherit;font-size:9pt;">are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(k)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">401(k) safe harbor (3.05).</font><font style="font-family:inherit;font-size:9pt;">&#32;The 401(k) safe harbor provisions under Election(s) 30 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective:</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(l)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Allocation conditions (3.06).</font><font style="font-family:inherit;font-size:9pt;">&#32;The allocation conditions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;31(b)(5)(1); 31(b)(6)(2) and (c)(1)(2) removed&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 31-32 as applicable) </font><font style="font-family:inherit;font-size:9pt;">are effective:</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;January 1, 2015&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(m)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Forfeitures (3.07).</font><font style="font-family:inherit;font-size:9pt;">&#32;The forfeiture allocation provisions under Election(s) 33 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(n)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employee Contributions (3.09). </font><font style="font-family:inherit;font-size:9pt;">The Employee Contribution provisions under Election(s) 36 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;text-indent:-54px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(o)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Testing elections (4.06(B)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The testing elections under Election(s) 38 </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(r)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Earnings/Trust valuation (7.04(B)/8.02(C)(4)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Earnings allocation and Trust valuation provisions under Election(s) </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify 52-53 as applicable)</font><font style="font-family:inherit;font-size:9pt;">&#32;are effective: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(s)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Special Effective Date(s) for other elections</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify elections and dates)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">33</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">BASIC PLAN DOCUMENT OVERRIDE ELECTIONS</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">56.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">BASIC PLAN OVERRIDES</font><font style="font-family:inherit;font-size:9pt;">. 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If the Employer, after it has executed this Adoption Agreement, later amends its Plan to change any election on this Appendix B, the Employer should document the Effective Date of the Appendix B amendment on the Execution Page or otherwise in the amendment.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Definition (Article I) overrides.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (8) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;W&#8209;2 Compensation exclusion of paid/reimbursed moving expenses (1.11(B)(1)). </font><font style="font-family:inherit;font-size:9pt;">W&#8209;2 Compensation excludes amounts paid or reimbursed by the Employer for moving expenses incurred by an Employee, but only to the extent that, at the time of payment, it is reasonable to believe that the Employee may deduct these amounts under Code &#167;217.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Alternative (general) 415 Compensation (1.11(B)(4)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer elects to apply the alternative (general) 415 definition of Compensation in lieu of simplified 415 Compensation.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Inclusion of Deemed 125 Compensation (1.11(C)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Compensation under Section 1.11 includes Deemed 125 Compensation.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Pre&#8209;Regulatory inclusion of Post&#8209;Severance Compensation (1.11(I) and 4.05(F)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Prior to the first Limitation Year beginning on or after July 1, 2007 (the Effective Date of the final 415 regulations), the Plan includes Post&#8209;Severance Compensation within the meaning of Prop. 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Reg. &#167;1.415(c)&#8209;2(e) as described in Sections 1.11(I) and 4.05(F) as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of a. and b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Include for 415 testing.</font><font style="font-family:inherit;font-size:9pt;">&#32;Include for 415 testing and for other testing which uses 415 Compensation. This provision applies effective as of </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify a date which is no earlier than January 1, 2005)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Include for allocations. </font><font style="font-family:inherit;font-size:9pt;">Include for allocations as follows</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify affected Contribution Type(s) and any adjustments to Post&#8209;Severance Compensation used for allocation)</font><font style="font-family:inherit;font-size:9pt;">:</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:114px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">This provision applies effective as of </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify a date which is no earlier than January 1, 2002)</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(5)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Inclusion of Deemed Disability Compensation (1.11(K)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Include Deemed Disability Compensation. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">NHCEs only.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply only to disabled NHCEs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All Participants.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply to all disabled Participants. 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font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Inclusion of Leased Employees (1.22(B)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer for purposes of the following Contribution Types, does not exclude Leased Employees: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify Contribution Types)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Offset if contributions to leasing organization plan (1.22(B)(2)). </font><font style="font-family:inherit;font-size:9pt;">The Employer will reduce allocations to this Plan for any Leased Employee</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">to the extent that the leasing organization contributes to or provides benefits under a leasing organization plan to or for the Leased Employee and which are attributable to the Leased Employee's services for the Employer.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">The amount of the offset is as follows: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The election of an offset under this Election 56(b)(7)b. may require that the Employer aggregate its plan with the leasing organization's plan for coverage and nondiscrimination testing.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(8)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Inclusion of Reclassified Employees (1.22(D)(3)). </font><font style="font-family:inherit;font-size:9pt;">The Employer for purposes of the following Contribution Types, does not exclude Reclassified Employees (or the following categories of Reclassified Employees): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify Contribution Types and/or categories of Reclassified Employees)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Rule</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">of parity &#8209; participation (Article II) override (2.03(D)).</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of Plan participation, the Plan applies the "rule of parity" under Code &#167;410(a)(5)(D).</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(d)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Contribution/allocation (Article III) overrides.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (9) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Roth overrides.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a., b., c., or d. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Treatment of Automatic Deferrals as Roth Deferrals (3.02(B)). </font><font style="font-family:inherit;font-size:9pt;">The Employer elects to treat Automatic Deferrals as Roth Deferrals in lieu of treating Automatic Deferrals as Pre&#8209;Tax Deferrals.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;In&#8209;Plan Roth Rollovers limited to In&#8209;Service only (3.08(E)(2)(a)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Only Participants who are Employees may elect to make an In&#8209;Plan Roth Rollover Contribution.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Vested In&#8209;Plan Roth Rollovers (3.08(E)(2)(b)). </font><font style="font-family:inherit;font-size:9pt;">Distributions related to In&#8209;Plan Roth Rollovers may only be made from accounts which are fully Vested.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">d.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Source of In&#8209;Plan Roth Rollover Contribution (3.08(E)(3)(b)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan permits an In&#8209;Plan Roth Rollover only from the following qualifying sources </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Elective Deferrals</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Matching Contributions (including any Safe Harbor Matching Contributions and Additional Matching Contributions)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Nonelective Contributions</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">QNECs (including any Safe Harbor Nonelective Contributions)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(v)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Rollovers</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(vi)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Transfers</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(vii)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">Other: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;the vested portion of any account&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify account(s) and conditions in a manner that is definitely determinable and not subject to Employer discretion)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No pro&#8209;ration.</font><font style="font-family:inherit;font-size:9pt;">&#32;Will </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">not</font><font style="font-family:inherit;font-size:9pt;">&#32;pro&#8209;rate Hours of Service in any short allocation period.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Pro&#8209;ration based on months.</font><font style="font-family:inherit;font-size:9pt;">&#32;Will pro&#8209;rate any Hour of Service requirement based on the number of months in the short allocation period.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Limited waiver of allocation conditions for rehired Participants (3.06(G)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The allocation conditions the Employer has elected in the Adoption Agreement do not apply to rehired Participants in the Plan Year they resume participation, as described in Section 3.06(G).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(5)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Associated Match forfeiture timing (3.07(A)(1)(c)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Forfeiture of associated matching contributions occurs in the Testing Year.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Safe Harbor top&#8209;heavy exempt fail&#8209;safe (3.07(A)(4)).</font><font style="font-family:inherit;font-size:9pt;">&#32;In lieu of ordering forfeitures as (a), (b), and (c) under Section 3.07(A)(4), the Employer establishes the following forfeiture ordering rules </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify the ordering rules, for example, (b), (c), and (a).)</font><font style="font-family:inherit;font-size:9pt;">: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;HEART Act continued benefit accrual (3.11(K)). </font><font style="font-family:inherit;font-size:9pt;">The Employer elects to apply the benefit accrual provisions of Section 3.11(K). The provisions are effective as of </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.; and choose c. if the provisions no longer are effective.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;2007 Effective Date.</font><font style="font-family:inherit;font-size:9pt;">&#32;The first day of the 2007 Plan Year.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other Effective Date.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(may not be earlier than the first day of the 2007 Plan Year)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No longer effective.</font><font style="font-family:inherit;font-size:9pt;">&#32;The provisions no longer apply effective as of </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(8)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Classifications allocation formula (3.04(B)(3)). </font><font style="font-family:inherit;font-size:9pt;">If a Participant shifts from one classification to another during a Plan Year, the Plan Administrator will apportion the Participant's allocation during that Plan Year </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Months in each classification. </font><font style="font-family:inherit;font-size:9pt;">Pro rata based on the number of months the Participant spent in each classification.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Days in each classification. </font><font style="font-family:inherit;font-size:9pt;">Pro rata based on the number of days the Participant spent in each classification.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;One classification only. </font><font style="font-family:inherit;font-size:9pt;">The Employer in a nondiscriminatory manner will direct the Plan Administrator to place the Participant in only one classification for the entire Plan Year during which the shift occurs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(9)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Suspension (3.06(F)(3)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan Administrator in applying Section 3.06(F) will </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a., b., and c. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Re&#8209;order tiers.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply the suspension tiers in Section 3.06(F)(2) in the following order: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                  &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify order)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hours of Service tie&#8209;breaker.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply the greatest Hours of Service as the tie&#8209;breaker within a suspension tier in lieu of applying the lowest Compensation.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Additional/other tiers.</font><font style="font-family:inherit;font-size:9pt;">&#32;Apply the following additional or other tiers: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(specify suspension tiers and ordering)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Testing (Article IV) overrides.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of (1) and (2) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">First few weeks rule for Code &#167;415 testing Compensation (4.05(F)(1)). </font><font style="font-family:inherit;font-size:9pt;">The Plan applies the first few weeks rule in Section 4.05(F)(1).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Post&#8209;Severance Compensation for Code &#167;415 testing Compensation (4.05(F)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer elects the following adjustments to Post-Severance Compensation for purposes of determining 415 testing Compensation </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a. through d.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:24px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Under the basic plan document, if the Employer does not elect any adjustments, post-severance compensation includes leave cashouts and deferred compensation, and excludes military and disability continuation payments.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Exclude leave cash&#8209;outs. </font><font style="font-family:inherit;font-size:9pt;">See Section 1.11(I)(1)(b).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Exclude deferred compensation. </font><font style="font-family:inherit;font-size:9pt;">See Section 1.11(I)(1)(c).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Application of non&#8209;top&#8209;heavy vesting and top&#8209;heavy vesting (5.03(A)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer makes the following elections regarding the application of non</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#8209;</font><font style="font-family:inherit;font-size:9pt;">top</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#8209;</font><font style="font-family:inherit;font-size:9pt;">heavy vesting and top&#8209;heavy vesting </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose a., b., and c. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Election of non&#8209;top&#8209;heavy vesting. </font><font style="font-family:inherit;font-size:9pt;">As to Plan Years where permitted and in such Plan Years when the Plan is not top</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#8209;</font><font style="font-family:inherit;font-size:9pt;">heavy, the following vesting schedule(s) apply. See Section 5.03(B).</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">&#32;(Choose one or more of (i), (ii), or (iii) as applicable and complete (iv) and (v).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;5&#8209;year cliff.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;7&#8209;year graded.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:1.3333333333333333px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-1.3333333333333333px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Application to Contribution Types. </font><font style="font-family:inherit;font-size:9pt;">Apply the elected non&#8209;top&#8209;heavy vesting schedule </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of A. or B.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:137px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:113px;"><font style="font-family:inherit;font-size:9pt;">A.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All.</font><font style="font-family:inherit;font-size:9pt;">&#32;To all Contribution Types subject to vesting (other than QACA Safe Harbor Contributions).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:137px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:113px;"><font style="font-family:inherit;font-size:9pt;">A.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Apply top</font><font style="font-family:inherit;font-size:9pt;">&#8209;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">heavy schedule in all Plan Years once top&#8209;heavy.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:137px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:113px;"><font style="font-family:inherit;font-size:9pt;">B.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Apply top</font><font style="font-family:inherit;font-size:9pt;">&#8209;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">heavy schedule only in top</font><font style="font-family:inherit;font-size:9pt;">&#8209;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">heavy Plan Years.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">36</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Alternative "grossed&#8209;up" vesting formula (5.03(C)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer elects the alternative vesting formula described in Section 5.03(C)(2).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; 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font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Deemed Cash&#8209;Out of 0% Vested Participant (5.04(C)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The deemed cash&#8209;out rule of Section 5.04(C) does not apply to the Plan.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(5)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Accounting for Cash&#8209;Out repayment; Contribution Type (5.04(D)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;In lieu of the accounting described in Section 5.04(D)(2), the Plan Administrator will account for a Participant's Account Balance attributable to a Cash&#8209;Out repayment </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Nonelective rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under the nonelective rule.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Rollover rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under the rollover rule.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(6)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;One&#8209;year hold&#8209;out rule &#8209; vesting (5.06(D)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The one&#8209;year hold&#8209;out Break in Service rule under Code &#167;411(a)(6)(B) applies.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(g)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Distribution (Article VI) overrides.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (9) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Restriction on In&#8209;Service Rollover Distributions (6.01(C)).</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant shall be entitled to receive a distribution of Rollover Contributions, Employee Contributions and DECs </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a. through d. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Deferrals.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under the same provisions which apply to Elective Deferrals.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Match.</font><font style="font-family:inherit;font-size:9pt;">&#32;Under the same provisions which apply to Matching Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Nonelective. </font><font style="font-family:inherit;font-size:9pt;">Under the same provisions which apply to Nonelective Contributions.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">d.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[Note</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">: The Employer under Election 56(g)(1)d. may describe In&#8209;Service Rollover Distribution restrictions using the options available for In-Service Distributions under Election 47 and/or a combination thereof as to all Participants or as to any: (i) Participant group (e.g., Division A Rollover Accounts are distributable at age 59 1/2 OR Rollover Accounts of Employees hired on/before "x" date are distributable at age 59 1/2. No In&#8209;Service Rollover Distributions apply to Division B Employees OR to Employees hired after "x" date). An Employer's election under Election 56(g)(1)d.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an "early" distribution of any Restricted 401(k) Accounts or Restricted Pension Accounts. See Sections 6.01(C)(4) and 11.02(C)(3).</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Elections related to In&#8209;Plan Roth Rollovers (6.01(C)(7)). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a. through c. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;In&#8209;Service Roth Rollover events.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer elects to permit In&#8209;Service Distributions under the following conditions solely for purposes of making an In&#8209;Plan Roth Rollover Contribution </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (i) through (iv); select (v) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Age. </font><font style="font-family:inherit;font-size:9pt;">The Participant has attained age </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Participation. </font><font style="font-family:inherit;font-size:9pt;">The Participant has </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;months of participation </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(specify minimum of 60 months)</font><font style="font-family:inherit;font-size:9pt;">. Section 6.01(C)(4)(a)(ii).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Seasoning. </font><font style="font-family:inherit;font-size:9pt;">The amounts being distributed have accumulated in the Plan for at least </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;years </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(at least 2)</font><font style="font-family:inherit;font-size:9pt;">. See Section 6.01(C)(4)(a)(i).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other</font><font style="font-family:inherit;font-size:9pt;">&#32;(describe): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(must be definitely determinable and not subject to Employer discretion (e.g., age 50, but only with respect to Nonelective Contributions, and not Matching Contributions))</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Regardless of any election above to the contrary, In&#8209;Plan Roth Rollover Contributions are not permitted from a Participant's Elective Deferral Account, Qualified Matching Contribution Account, Qualified Nonelective Contribution Account and accounts attributable to Safe Harbor Contributions prior to age 59&#160;1/2.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(v)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Distribution for withholding.</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant may elect to have a portion of the amount that may be distributed as an In&#8209;Plan Roth Rollover Contribution distributed solely for purposes of federal or state income tax withholding related to the In&#8209;Plan Roth Rollover Contribution.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Minimum amount. </font><font style="font-family:inherit;font-size:9pt;">The minimum amount that may be rolled over is </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;1,000&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(may not exceed $1,000)</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">No transfer of loans.</font><font style="font-family:inherit;font-size:9pt;">&#32;Loans may not be distributed as part of an In&#8209;Plan Roth Rollover Contribution. (if not selected, any loans may be transferred)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Elections related to Required Minimum Distributions. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of a. through c. as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;RMD overrides if Participant dies before DCD (6.02(B)(1)(e)).</font><font style="font-family:inherit;font-size:9pt;">&#32;If the Participant dies before the DCD and the Beneficiary is a designated Beneficiary, the RMD distribution rules are modified as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (i) through (iv).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">37</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Election of 5&#8209;year rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;If a Designated Beneficiary does not make a timely election, the 5&#8209;year rule applies in lieu of the Life Expectancy rule.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Life Expectancy rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Life Expectancy rule applies to the Designated Beneficiary. See Section 6.02(B)(1)(d).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;5&#8209;year rule.</font><font style="font-family:inherit;font-size:9pt;">&#32;The 5&#8209;year rule applies to the Beneficiary. See Section 6.02(B)(1)(c).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160; </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Describe, e.g., the 5&#8209;year rule applies to all Beneficiaries other than a surviving spouse Beneficiary.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;RBD definition (6.02(E)(7)(c)).</font><font style="font-family:inherit;font-size:9pt;">&#32;In lieu of the RBD definition in Section 6.02(E)(7)(a) and (b), the Plan Administrator </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (i) or (ii).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;SBJPA definition indefinitely.</font><font style="font-family:inherit;font-size:9pt;">&#32;Indefinitely will apply the pre&#8209;SBJPA RBD definition.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;SBJPA definition to specified date.</font><font style="font-family:inherit;font-size:9pt;">&#32;Will apply the pre&#8209;SBJPA definition until </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(the stated date may not be earlier than January 1, 1997)</font><font style="font-family:inherit;font-size:9pt;">, and thereafter will apply the RBD definition in Sections 6.02(E)(7)(a) and (b).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;2009 RMD waiver elections</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(6.02(F)).</font><font style="font-family:inherit;font-size:9pt;">&#32;In lieu of the 2009 RMDs suspension (subject to a Participant or Beneficiary election to continue), as provided in Section 6.02(F) </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (i) through (iii) if applicable. Choose (iv) or (v) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">RMDs continued unless election.</font><font style="font-family:inherit;font-size:9pt;">&#32;2009 RMDs are continued as provided in Section 6.02(F)(2), unless a Participant or Beneficiary otherwise elects.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;RMDs continued &#8209; no election.</font><font style="font-family:inherit;font-size:9pt;">&#32;2009 RMDs are continued as provided in Section 6.02(F)(3), without regard to a waiver. No election is available to Participants or Beneficiaries.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Describe, e.g., the Plan suspended 2009 RMDs and did not offer an election or the Plan changed from one treatment of 2009 RMDs to another treatment during 2009.)</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:84px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Treatment as Eligible Rollover Distribution.</font><font style="font-family:inherit;font-size:9pt;">&#32;For purposes of 2009 RMDs, the Plan also will treat the following distributions as Eligible Rollover Distributions </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (iv) or (v), if applicable. If the Employer elects neither (iv) nor (v), then a direct rollover for 2009 will be offered only for distributions that would be Eligible Rollover Distributions without regard to Code&#160;&#167;401(a)(9)(H).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">2009 RMDs and Extended 2009 RMDs, both as defined in Section 6.02(F).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(v)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">2009 RMDs, as defined in Section 6.02(F), but only if paid with an additional amount that is an Eligible Rollover Distribution without regard to Code &#167;401(a)(9)(H).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(4)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Distribution Methods</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of a. and b. if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Default Distribution Methods (6.03(B)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;If a Participant or Beneficiary does not make a timely election as to distribution method and timing the Plan Administrator will direct the Trustee to distribute using the following method and timing: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Describe, e.g., Installments sufficient to satisfy RMD beginning at the Required Beginning Date. The selected method and timing must not be discriminatory and must be an option the plan makes available to participants and/or beneficiaries.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Beneficiary Distribution Methods (6.03(A)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan will distribute to the Beneficiary under the following distribution method(s). If more than one method is elected, the Beneficiary may choose the method of distribution:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(i)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Lump&#8209;Sum. </font><font style="font-family:inherit;font-size:9pt;">See Section 6.03(A)(3).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(ii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Installments sufficient to satisfy RMD. </font><font style="font-family:inherit;font-size:9pt;">See Section 6.03(A)(4)(a).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:84px;"><font style="font-family:inherit;font-size:9pt;">(iii)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Ad&#8209;Hoc sufficient to satisfy RMD.</font><font style="font-family:inherit;font-size:9pt;">&#32;See Section 6.03(A)(6).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:113px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(iv)</font></div></td><td style="vertical-align:top;padding-left:32px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-32px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Other:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Describe, e.g., Lump&#8209;Sum or Installments for surviving spouse Beneficiaries, Lump&#8209;Sum only for all other Beneficiaries.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(5)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Annuity Distributions (6.04). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of a. and b. if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Modification of QJSA (6.04(A)(3)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The Survivor Annuity percentage will be </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">a percentage between 50% and 100%.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Modification of QPSA (6.04(B)(2)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The QPSA percentage will be </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">a percentage between 50% and 100%.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(6)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hardship Distributions (6.07). </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or both of a. and b. if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Restriction on hardship source; grandfathering (6.07(E)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The hardship distribution limit includes grandfathered amounts.</font></div></td></tr></table><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38</font></div></div><hr style="page-break-after:always"><a name="s481D147F4399CB2D9557B8D73472E6D0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Hardship acceleration.</font><font style="font-family:inherit;font-size:9pt;">&#32;The existence of a hardship occurring after Separation from Service/Severance from Employment will be determined under the non&#8209;safe harbor rules of Section 6.07(B).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(7)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Replacement of $5,000 amount (6.09). </font><font style="font-family:inherit;font-size:9pt;">All Plan references (except in Sections 3.02(D), 3.10 and 3.12(C)(2)) to "$5,000" will be $</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">an amount less than $5,000.)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(8)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Beneficiary's hardship need (6.07(H)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Effective </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;Plan Years beginning on or after January 1, 2011&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify date not earlier than August 17, 2006)</font><font style="font-family:inherit;font-size:9pt;">, a Participant's hardship includes an immediate and heavy financial need of the Participant's primary Designated Beneficiary under the Plan, as described in Section 6.07(H).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(9)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Non&#8209;spouse beneficiary rollover not permitted before required (6.08(G)).</font><font style="font-family:inherit;font-size:9pt;">&#32;For distributions after December 31, 2006, and before </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Specify a date not later than January 1, 2010)</font><font style="font-family:inherit;font-size:9pt;">, the Plan does not permit a Designated Beneficiary other than the Participant's surviving spouse to elect to roll over a death benefit distribution.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(h)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Administrative overrides (Article VII).</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (7) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Contributions prior to accrual or precise determination (7.04(B)(5)(b)). </font><font style="font-family:inherit;font-size:9pt;">The Plan Administrator will allocate Earnings described in Section 7.04(B)(5)(b) as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a., b., or c.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Treat as contribution. </font><font style="font-family:inherit;font-size:9pt;">Treat the Earnings as an Employer Matching or Nonelective Contribution and allocate accordingly.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Balance forward. </font><font style="font-family:inherit;font-size:9pt;">Allocate the Earnings using the balance forward method described in Section 7.04(B)(4)(b).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:54px;"><font style="font-family:inherit;font-size:9pt;">c.</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Weighted average. </font><font style="font-family:inherit;font-size:9pt;">Allocate the Earnings on Matching Contributions using the weighted average method in a manner similar to the method described in Section 7.04(B)(4)(d).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Automatic revocation of spousal designation (7.05(A)(1)).</font><font style="font-family:inherit;font-size:9pt;">&#32;The automatic revocation of a spousal Beneficiary designation in the case of divorce does not apply.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Limitation on frequency of Beneficiary designation changes (7.05(A)(4)). </font><font style="font-family:inherit;font-size:9pt;">Except in the case of a Participant incurring a major life event, a period of at least </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160; 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                                   &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify, in order, one or more Beneficiaries who will receive the interest of a deceased Participant.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(6)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Subsequent restoration of forfeiture&#8209;sources and ordering (7.07(A)(3)). </font><font style="font-family:inherit;font-size:9pt;">Restoration of forfeitures will come from the following sources, in the following order </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify, in order, one or more of the following: Forfeitures, Employer Contribution, Trust Fund Earnings.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(7)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;State law (7.10(H)). </font><font style="font-family:inherit;font-size:9pt;">The law of the following state will apply: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">one of the 50 states or the District of Columbia, or other appropriate legal jurisdiction, such as a territory of the United States or an Indian tribal government.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Trust and insurance overrides (Articles VIII and IX).</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (1) through (3) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employer securities/real property in Profit Sharing Plans/401(k) Plans (8.02(A)(13)(a)). </font><font style="font-family:inherit;font-size:9pt;">The Plan</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">limit on investment in qualifying Employer securities/real property is </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;      &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">%. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">a percentage which is less than 100%.)</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Provisions relating to insurance and insurance company (9.08). </font><font style="font-family:inherit;font-size:9pt;">The following provisions apply: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify such language as necessary to accommodate life insurance Contracts the Plan holds.)</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: The provisions in this Election 56(i)(2) may override provisions in Article IX of the Plan, but must be consistent with all other provisions of the Plan.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Cross&#8209;pay when more than one entity adopts Plan not applicable (8.12). </font><font style="font-family:inherit;font-size:9pt;">The cross&#8209;pay provisions of Section 8.12 do not apply.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(j)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Code Section 415 (Article XI) override (11.02(A)(1), 4.02(F)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Because of the required aggregation of multiple plans, to satisfy Code &#167;415, the following overriding provisions apply: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify such language as necessary to satisfy &#167;415, e.g., the Employer will reduce Additional Additions to this plan before reducing Annual Additions to other plans.)</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(k)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Code Section 416 (Article XI) override (11.02(A)(1), 10.03(D)).</font><font style="font-family:inherit;font-size:9pt;">&#32;Because of the required aggregation of multiple plans, to satisfy Code &#167;416, the following overriding provisions apply: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify such language as necessary to satisfy &#167;416, e.g., If an Employee participates in this Plan and another Plan the Employer maintains, the Employer will satisfy any Top-Heavy Minimum Allocation in this Plan and not the other plan.)</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(l)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Multiple Employer Plan (Article XII) overrides. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (1) if applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:53px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:24px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;No involuntary termination for Participating Employer (12.11). </font><font style="font-family:inherit;font-size:9pt;">The Lead Employer may not involuntarily terminate the participation of any Participating Employer under Section 12.11.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39</font></div></div><hr style="page-break-after:always"><a name="s04ED503CCA8A2FBD4A52B8D7349CFC04"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">LIST OF GROUP TRUST FUNDS/PERMISSIBLE TRUST AMENDMENTS</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">INVESTMENT IN GROUP TRUST FUND</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;(8.09)</font><font style="font-family:inherit;font-size:9pt;">.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;">The nondiscretionary Trustee, as directed or the discretionary Trustee acting without direction (and in addition to the discretionary Trustee's authority to invest in its own funds under Section 8.02(A)(3)), may invest in any of the following group trust funds: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Specify the names of one or more group trust funds in which the Plan can invest.)</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: A discretionary or nondiscretionary Trustee also may invest in any group trust fund authorized by an independent Named Fiduciary.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">DUTY TO COLLECT</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(8.02(D)(1))</font><font style="font-family:inherit;font-size:9pt;">.</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                                    &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;is hereby appointed as a Trustee for the Plan, and is referred to as the Special Trustee. The sole responsibility of the Special Trustee is to collect contributions the Employer owes to the Plan. No other Trustee has any duty to ensure that the contributions received comply with the provisions of the Plan or is obliged to collect any contributions from the Employer. No Trustee, other than the Special Trustee, is obliged to ensure that funds deposited are deposited according to the provisions of the Plan. The Special Trustee will execute a form accepting its position and agreeing to its obligations hereunder.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">59.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PERMISSIBLE TRUST AMENDMENTS</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">&#32;(8.11)</font><font style="font-family:inherit;font-size:9pt;">. The Employer makes the following amendments to the Trust as permitted under Rev. Proc. 2011&#8209;49, Sections 5.09 and 14.04 </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of (a) through (c) as applicable.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;padding-top:8px;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">[</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">Note: Any amendment under this Election 59 must not: (i) conflict with any Plan provision unrelated to the Trust or Trustee; or (ii) cause the Plan to violate Code &#167;401(a). The amendment may override, add to, delete or otherwise modify the Trust provisions. Do not use this Election 59 to substitute another pre&#8209;approved trust for the Trust. See Election 5(c) as to a substitute trust.</font><font style="font-family:inherit;font-size:9pt;">]</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:29.333333333333332px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-29.333333333333332px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Investments. </font><font style="font-family:inherit;font-size:9pt;">The Employer amends the Trust provisions relating to Trust investments as follows:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:53px;text-indent:665px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;"></font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Duties.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer amends the Trust provisions relating to Trustee (or Custodian) duties as follows:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:54px;text-indent:665px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;"></font><font style="font-family:inherit;font-size:9pt;">.</font></div><table cellpadding="0" cellspacing="0" style="padding-top:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:24px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:0px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:30.666666666666668px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-30.666666666666668px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Other administrative provisions.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Employer amends the other administrative provisions of the Trust as follows:</font></div></td></tr></table><div style="line-height:120%;padding-top:8px;text-align:justify;padding-left:53px;text-indent:665px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;"></font><font style="font-family:inherit;font-size:9pt;">.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40</font></div></div><hr style="page-break-after:always"><a name="s843A8DBF4FD5D62C63CFB8D734D1CDC0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">TABLE I: ACTUARIAL FACTORS</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">UP&#8209;1984</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Without Setback</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:120px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Number of years</font></div><div style="line-height:120%;text-align:justify;padding-left:120px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">from attained age</font></div><div style="line-height:120%;text-align:justify;padding-left:96px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">at the end of Plan Year until</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Normal Retirement Age</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">7.50%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">8.00%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">8.50%</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">0&#160;&#160;&#160;&#160;8.458&#160;&#160;&#160;&#160;8.196&#160;&#160;&#160;&#160;7.949</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">1&#160;&#160;&#160;&#160;7.868&#160;&#160;&#160;&#160;7.589&#160;&#160;&#160;&#160;7.326</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">2&#160;&#160;&#160;&#160;7.319&#160;&#160;&#160;&#160;7.027&#160;&#160;&#160;&#160;6.752</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">3&#160;&#160;&#160;&#160;6.808&#160;&#160;&#160;&#160;6.506&#160;&#160;&#160;&#160;6.223</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">4&#160;&#160;&#160;&#160;6.333&#160;&#160;&#160;&#160;6.024&#160;&#160;&#160;&#160;5.736</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">5&#160;&#160;&#160;&#160;5.891&#160;&#160;&#160;&#160;5.578&#160;&#160;&#160;&#160;5.286</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">6&#160;&#160;&#160;&#160;5.480&#160;&#160;&#160;&#160;5.165&#160;&#160;&#160;&#160;4.872</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">7&#160;&#160;&#160;&#160;5.098&#160;&#160;&#160;&#160;4.782&#160;&#160;&#160;&#160;4.491</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">8&#160;&#160;&#160;&#160;4.742&#160;&#160;&#160;&#160;4.428&#160;&#160;&#160;&#160;4.139</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">9&#160;&#160;&#160;&#160;4.412&#160;&#160;&#160;&#160;4.100&#160;&#160;&#160;&#160;3.815</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">10&#160;&#160;&#160;&#160;4.104&#160;&#160;&#160;&#160;3.796&#160;&#160;&#160;&#160;3.516</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">11&#160;&#160;&#160;&#160;3.817&#160;&#160;&#160;&#160;3.515&#160;&#160;&#160;&#160;3.240</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">12&#160;&#160;&#160;&#160;3.551&#160;&#160;&#160;&#160;3.255&#160;&#160;&#160;&#160;2.986</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">13&#160;&#160;&#160;&#160;3.303&#160;&#160;&#160;&#160;3.014&#160;&#160;&#160;&#160;2.752</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">14&#160;&#160;&#160;&#160;3.073&#160;&#160;&#160;&#160;2.790&#160;&#160;&#160;&#160;2.537</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">15&#160;&#160;&#160;&#160;2.859&#160;&#160;&#160;&#160;2.584&#160;&#160;&#160;&#160;2.338</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">16&#160;&#160;&#160;&#160;2.659&#160;&#160;&#160;&#160;2.392&#160;&#160;&#160;&#160;2.155</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">17&#160;&#160;&#160;&#160;2.474&#160;&#160;&#160;&#160;2.215&#160;&#160;&#160;&#160;1.986</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">18&#160;&#160;&#160;&#160;2.301&#160;&#160;&#160;&#160;2.051&#160;&#160;&#160;&#160;1.831</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">19&#160;&#160;&#160;&#160;2.140&#160;&#160;&#160;&#160;1.899&#160;&#160;&#160;&#160;1.687</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">20&#160;&#160;&#160;&#160;1.991&#160;&#160;&#160;&#160;1.758&#160;&#160;&#160;&#160;1.555</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">21&#160;&#160;&#160;&#160;1.852&#160;&#160;&#160;&#160;1.628&#160;&#160;&#160;&#160;1.433</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">22&#160;&#160;&#160;&#160;1.723&#160;&#160;&#160;&#160;1.508&#160;&#160;&#160;&#160;1.321</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">23&#160;&#160;&#160;&#160;1.603&#160;&#160;&#160;&#160;1.396&#160;&#160;&#160;&#160;1.217</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">24&#160;&#160;&#160;&#160;1.491&#160;&#160;&#160;&#160;1.293&#160;&#160;&#160;&#160;1.122</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">25&#160;&#160;&#160;&#160;1.387&#160;&#160;&#160;&#160;1.197&#160;&#160;&#160;&#160;1.034</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">26&#160;&#160;&#160;&#160;1.290&#160;&#160;&#160;&#160;1.108&#160;&#160;&#160;&#160;0.953</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">27&#160;&#160;&#160;&#160;1.200&#160;&#160;&#160;&#160;1.026&#160;&#160;&#160;&#160;0.878</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">28&#160;&#160;&#160;&#160;1.116&#160;&#160;&#160;&#160;0.950&#160;&#160;&#160;&#160;0.810</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">29&#160;&#160;&#160;&#160;1.039&#160;&#160;&#160;&#160;0.880&#160;&#160;&#160;&#160;0.746</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">30&#160;&#160;&#160;&#160;0.966&#160;&#160;&#160;&#160;0.814&#160;&#160;&#160;&#160;0.688</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">31&#160;&#160;&#160;&#160;0.899&#160;&#160;&#160;&#160;0.754&#160;&#160;&#160;&#160;0.634</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">32&#160;&#160;&#160;&#160;0.836&#160;&#160;&#160;&#160;0.698&#160;&#160;&#160;&#160;0.584</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">33&#160;&#160;&#160;&#160;0.778&#160;&#160;&#160;&#160;0.647&#160;&#160;&#160;&#160;0.538</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">34&#160;&#160;&#160;&#160;0.723&#160;&#160;&#160;&#160;0.599&#160;&#160;&#160;&#160;0.496</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">35&#160;&#160;&#160;&#160;0.673&#160;&#160;&#160;&#160;0.554&#160;&#160;&#160;&#160;0.457</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">36&#160;&#160;&#160;&#160;0.626&#160;&#160;&#160;&#160;0.513&#160;&#160;&#160;&#160;0.422</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">37&#160;&#160;&#160;&#160;0.582&#160;&#160;&#160;&#160;0.475&#160;&#160;&#160;&#160;0.389</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">38&#160;&#160;&#160;&#160;0.542&#160;&#160;&#160;&#160;0.440&#160;&#160;&#160;&#160;0.358</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">39&#160;&#160;&#160;&#160;0.504&#160;&#160;&#160;&#160;0.407&#160;&#160;&#160;&#160;0.330</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">40&#160;&#160;&#160;&#160;0.469&#160;&#160;&#160;&#160;0.377&#160;&#160;&#160;&#160;0.304</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41&#160;&#160;&#160;&#160;0.436&#160;&#160;&#160;&#160;0.349&#160;&#160;&#160;&#160;0.280</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">42&#160;&#160;&#160;&#160;0.406&#160;&#160;&#160;&#160;0.323&#160;&#160;&#160;&#160;0.258</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43&#160;&#160;&#160;&#160;0.377&#160;&#160;&#160;&#160;0.299&#160;&#160;&#160;&#160;0.238</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">44&#160;&#160;&#160;&#160;0.351&#160;&#160;&#160;&#160;0.277&#160;&#160;&#160;&#160;0.219</font></div><div style="line-height:120%;text-align:justify;text-indent:149px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45&#160;&#160;&#160;&#160;0.327&#160;&#160;&#160;&#160;0.257&#160;&#160;&#160;&#160;0.202</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;font-weight:bold;">Note:</font><font style="font-family:inherit;font-size:9pt;">&#32;A Participant's Actuarial Factor under Table I is the factor corresponding to the number of years until the Participant reaches his/her Normal Retirement Age under the Plan. A Participant's age as of the end of the current Plan Year is his/her age on his/her last birthday. For any Plan Year beginning on or after the Participant's attainment of Normal Retirement Age, the factor for "zero" years applies.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">41</font></div></div><hr style="page-break-after:always"><a name="s843A8DBF4FD5D62C63CFB8D734D1CDC0"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">TABLE II: ADJUSTMENT TO ACTUARIAL FACTORS FOR NORMAL RETIREMENT AGE</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">OTHER THAN 65</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">UP&#8209;1984</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">Without Setback</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Normal Retirement Age</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">7.50%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">8.00%</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">8.50%</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">55&#160;&#160;&#160;&#160;1.2242&#160;&#160;&#160;&#160;1.2147&#160;&#160;&#160;&#160;1.2058</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">56&#160;&#160;&#160;&#160;1.2043&#160;&#160;&#160;&#160;1.1959&#160;&#160;&#160;&#160;1.1879</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">57&#160;&#160;&#160;&#160;1.1838&#160;&#160;&#160;&#160;1.1764&#160;&#160;&#160;&#160;1.1694</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">58&#160;&#160;&#160;&#160;1.1627&#160;&#160;&#160;&#160;1.1563&#160;&#160;&#160;&#160;1.1503</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">59&#160;&#160;&#160;&#160;1.1411&#160;&#160;&#160;&#160;1.1357&#160;&#160;&#160;&#160;1.1305</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">60&#160;&#160;&#160;&#160;1.1188&#160;&#160;&#160;&#160;1.1144&#160;&#160;&#160;&#160;1.1101</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">61&#160;&#160;&#160;&#160;1.0960&#160;&#160;&#160;&#160;1.0925&#160;&#160;&#160;&#160;1.0891</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font 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style="font-family:inherit;font-size:9pt;">66&#160;&#160;&#160;&#160;0.9752&#160;&#160;&#160;&#160;0.9760&#160;&#160;&#160;&#160;0.9767</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">67&#160;&#160;&#160;&#160;0.9502&#160;&#160;&#160;&#160;0.9518&#160;&#160;&#160;&#160;0.9533</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">68&#160;&#160;&#160;&#160;0.9251&#160;&#160;&#160;&#160;0.9274&#160;&#160;&#160;&#160;0.9296</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">69&#160;&#160;&#160;&#160;0.8998&#160;&#160;&#160;&#160;0.9027&#160;&#160;&#160;&#160;0.9055</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">70&#160;&#160;&#160;&#160;0.8740&#160;&#160;&#160;&#160;0.8776&#160;&#160;&#160;&#160;0.8810</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">71&#160;&#160;&#160;&#160;0.8478&#160;&#160;&#160;&#160;0.8520&#160;&#160;&#160;&#160;0.8561</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">72&#160;&#160;&#160;&#160;0.8214&#160;&#160;&#160;&#160;0.8261&#160;&#160;&#160;&#160;0.8307</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">73&#160;&#160;&#160;&#160;0.7946&#160;&#160;&#160;&#160;0.7999&#160;&#160;&#160;&#160;0.8049</font></div><div style="line-height:120%;text-align:justify;text-indent:156px;font-size:9pt;"><font 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Retirement Age for any Participant is not 65. If a Participant's Normal Retirement Age is not 65, adjust Table I by multiplying </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">all</font><font style="font-family:inherit;font-size:9pt;">&#32;factors applicable to that Participant in Table I by the appropriate Table II factor.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">42</font></div></div><hr style="page-break-after:always"><a name="s4F20047849E3F7E65D61B8D734EDF338"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ADMINISTRATIVE CHECKLIST</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;2015&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">This Administrative Checklist ("AC") is not part of the Adoption Agreement or Plan but is for the use of the Plan Administrator in administering the Plan. Relius software also uses the AC and the following Supporting Forms Checklist ("SFC") in preparing the Plan's SPD and some administrative forms, such as the Loan Policy, if applicable.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">The plan document preparer need not complete the AC but may find it useful to do so. The preparer may modify the AC, including adding items, without affecting reliance on the Plan's opinion or advisory letter since the AC is not part of the approved Plan. Any change to this AC is not a Plan amendment and is not subject to any Plan provision or to Applicable Law regarding the timing or form of Plan amendments. However, the Plan Administrator's administration of any AC item must be in accordance with applicable Plan terms and with Applicable Law.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-style:italic;">The AC reflects the Plan policies and operation as of the date set forth above and may also reflect Plan policies and operation pre&#8209;dating the specified date.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC1.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PLAN LOANS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(7.06)</font><font style="font-family:inherit;font-size:9pt;">. The Plan permits or does not permit Participant Loans as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not permit.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Permitted pursuant to the Loan Policy.</font><font style="font-family:inherit;font-size:9pt;">&#32;See SFC Election 74 to complete Loan Policy.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC2.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PARTICIPANT DIRECTION OF INVESTMENT</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(7.03(B))</font><font style="font-family:inherit;font-size:9pt;">. The Plan permits Participant direction of investment or does not permit Participant direction of investment as to some or all Accounts as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not permit.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan does not permit Participant direction of investment of any Account.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Permitted as follows.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan permits Participant direction of investment. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1) through (4).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Accounts affected.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose a. or choose one or more of b. through f.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;All Accounts.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Elective Deferral Accounts (Pre-tax and Roth) and Employee Contributions.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">c.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All Nonelective Contribution Accounts.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">d.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All Matching Contribution Accounts.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">e.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All Rollover Contribution and Transfer Accounts.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">f.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Specify Accounts:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Restrictions on Participant direction </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:109px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:44px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-44px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;None.</font><font style="font-family:inherit;font-size:9pt;">&#32;Provided the investment does not result in a prohibited transaction, give rise to UBTI, create administrative problems or violate the Plan terms or Applicable Law.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Restrictions:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">ERISA &#167;404(c).</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not apply.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">QDIA (Qualified Default Investment Alternative).</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">a.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies.</font><font style="font-family:inherit;font-size:9pt;">&#32;See SFC Election 122 for details.</font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">b.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not apply.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC3.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">ROLLOVER CONTRIBUTIONS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3.08)</font><font style="font-family:inherit;font-size:9pt;">. The Plan permits or does not permit Rollover Contributions as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a)&#160;or&#160;(b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not permit.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Permits.</font><font style="font-family:inherit;font-size:9pt;">&#32;Subject to approval by the Plan Administrator and as further described below </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (1) and (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Who may roll over.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:109px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:44px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-44px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Participants only.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:109px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:44px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-44px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Eligible Employees or Participants.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:133.33333333333334px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-133.33333333333334px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Sources/Types.</font><font style="font-family:inherit;font-size:9pt;">&#32;The Plan will accept a Rollover Contribution </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of a. or b.)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:109px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;padding-left:44px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-44px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;All.</font><font style="font-family:inherit;font-size:9pt;">&#32;From any Eligible Retirement Plan and as to all Contribution Types eligible to be rolled into this Plan.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:109px;"><font style="font-family:inherit;font-size:9pt;">b.</font></div></td><td style="vertical-align:top;padding-left:44px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-44px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Limited. </font><font style="font-family:inherit;font-size:9pt;">Only from the following types of Eligible Retirement Plans and/or as to the following Contribution Types: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Contributions from After-Tax sources (other than Designated Roth Contributions) are not allowed&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC4.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PLAN EXPENSES</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(7.04(C))</font><font style="font-family:inherit;font-size:9pt;">. The Employer will pay or the Plan will be charged with non&#8209;settlor Plan expenses as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a)&#160;or&#160;(b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:36px;"><font style="font-family:inherit;font-size:9pt;">(a)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Employer pays all expenses except those intrinsic to Trust assets which the Plan will pay (e.g., brokerage commissions).</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Plan pays some or all non&#8209;settlor expenses.</font><font style="font-family:inherit;font-size:9pt;">&#32;See SFC Election 119 for details.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">43</font></div></div><hr style="page-break-after:always"><a name="s4F20047849E3F7E65D61B8D734EDF338"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC5.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">RELATED AND PARTICIPATING EMPLOYERS/MULTIPLE EMPLOYER PLAN</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.24(C)/(D))</font><font style="font-family:inherit;font-size:9pt;">. There are or are not Related Employers and Participating Employers as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Complete (a) through (d).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Related Employers.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;None.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:24px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-24px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Name(s) of Related Employers:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Simpson Strong-Tie Company, Inc.&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participating (Related) Employers.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;None.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:24px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-24px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Name(s) of Participating Employers:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#32;Simpson Strong-Tie Company, Inc.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;See SFC Election 76 for details.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Former Participating Employers.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;None.</font></div><div style="line-height:120%;text-align:justify;padding-left:60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:108px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Name(s)&#160;&#160;&#160;&#160;Date of cessation</font></div><div style="line-height:120%;padding-left:109px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:81.34920634920636%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td width="65%"></td><td width="3%"></td><td width="32%"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">Simpson Dura-Vent Company, Inc.   </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">September 2010</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Multiple Employer Plan status.</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:60px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Does not apply.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:24px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-24px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">The Signatory Employer is the Lead Employer and at least one Participating Employer is not a Related Employer. (Complete a.)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:108px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:85px;"><font style="font-family:inherit;font-size:9pt;">a.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Name(s) of Participating Employers</font><font style="font-family:inherit;font-size:9pt;">&#32;(other than Related Employers described above): </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">. See SFC Election 76 for details.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC6.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">TOP&#8209;HEAVY MINIMUM&#8209;MULTIPLE PLANS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(10.03)</font><font style="font-family:inherit;font-size:9pt;">. If the Employer maintains another plan, this Plan provides that the Plan Administrator operationally will determine in which plan the Employer will satisfy the Top&#8209;Heavy Minimum Contribution (or benefit) requirement as to Non&#8209;Key Employees who participate in such plans and who are entitled to a Top&#8209;Heavy Minimum Contribution (or benefit). This Election documents the Plan Administrator's operational election. </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose (a) or choose one of (b) or (c).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not apply.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;If only another Defined Contribution Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;Make the Top&#8209;Heavy Minimum Allocation </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1) or (2).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]</font><font style="font-family:inherit;font-size:9pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">To this Plan.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;To another Defined Contribution Plan:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(plan name)</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:36px;"><font style="font-family:inherit;font-size:9pt;">(c)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;If one or more Defined Benefit Plans.</font><font style="font-family:inherit;font-size:9pt;">&#32;Make the Top&#8209;Heavy Minimum Allocation or provide the top&#8209;heavy minimum benefit </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (1), (2), or (3).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(1)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;To this Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;Increase the Top&#8209;Heavy Minimum Allocation to 5%.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(2)</font></div></td><td style="vertical-align:top;padding-left:24px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-24px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;To another Defined Contribution Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;Increase the Top&#8209;Heavy Minimum Allocation to 5% and provide under the: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(name of other Defined Contribution Plan).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(3)</font></div></td><td style="vertical-align:top;padding-left:24px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-24px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;To a Defined Benefit Plan.</font><font style="font-family:inherit;font-size:9pt;">&#32;Provide the 2% top&#8209;heavy minimum benefit under the: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                         &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">&#32;(name of Defined Benefit Plan) and applying the following interest rate and mortality assumptions: </font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;                         &#160;&#160;</font><font style="font-family:inherit;font-size:9pt;">.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC7.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">SELF&#8209;EMPLOYED PARTICIPANTS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1.22(A))</font><font style="font-family:inherit;font-size:9pt;">. One or more self&#8209;employed Participants with Earned Income benefits in the Plan as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;None.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC8.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">PROTECTED BENEFITS</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(11.02(C))</font><font style="font-family:inherit;font-size:9pt;">. The following Protected Benefits no longer apply to all Participants or do not apply to designated amounts/Participants as indicated, having been eliminated by a Plan amendment </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Does not apply. </font><font style="font-family:inherit;font-size:9pt;">No Protected Benefits have been eliminated.</font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:36px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:36px;"><font style="font-family:inherit;font-size:9pt;">(b)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">Protected Benefits have been eliminated as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one or more of rows (1) through (4) as applicable. Choose one of columns (1), (2), or (3), and complete column (4).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td width="42%"></td><td width="14%"></td><td width="14%"></td><td width="14%"></td><td width="16%"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(1)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">All</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participants/</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Accounts</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(2)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Post&#8209;E.D.</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Contribution</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Accounts only</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(3)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Post&#8209;E.D.</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Participants</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">only</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(4)</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Effective</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Date</font></div><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(E.D.)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:4px;text-align:justify;padding-left:132px;text-indent:-72px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(1)   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]   QJSA/QPSA distributions</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:4px;text-align:justify;padding-left:132px;text-indent:-72px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(2)   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]   Installment distributions</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="padding-top:4px;text-align:justify;padding-left:132px;text-indent:-72px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(3)   </font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]   In&#8209;kind distributions</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:84px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:9pt;padding-left:60px;"><font style="font-family:inherit;font-size:9pt;">(4)</font></div></td><td style="vertical-align:top;padding-left:48px;"><div style="line-height:120%;text-align:justify;font-size:9pt;text-indent:-48px;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Specify:</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">&#160;&#160;&#160;&#160;</font></div></td></tr></table><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">44</font></div></div><hr style="page-break-after:always"><a name="s4F20047849E3F7E65D61B8D734EDF338"></a><div><div style="line-height:120%;text-align:right;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;font-weight:bold;">Volume Submitter 401(k) Plan</font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div></div><br><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC9.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">LIFE INSURANCE</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(9.01)</font><font style="font-family:inherit;font-size:9pt;">. The Trust invests or does not invest in life insurance Contracts as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Does not apply.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">Subject to the limitations and other provisions in Article IX and/or Appendix B.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC10.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">DISTRIBUTION OF CASH OR PROPERTY</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(8.04)</font><font style="font-family:inherit;font-size:9pt;">. The Plan provides for distribution in the form of </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Cash only.</font><font style="font-family:inherit;font-size:9pt;">&#32;Except where property distribution is required or permitted under Section 8.04.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Cash or property.</font><font style="font-family:inherit;font-size:9pt;">&#32;At the distributee's election and consistent with any Plan Administrator policy under Section 8.04.</font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">AC11.&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;text-decoration:underline;">EMPLOYER SECURITIES/EMPLOYER REAL PROPERTY</font><font style="font-family:inherit;font-size:9pt;">&#32;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">(8.02(A)(13))</font><font style="font-family:inherit;font-size:9pt;">. The Trust invests or does not invest in qualifying Employer securities and/or qualifying Employer real property as follows </font><font style="font-family:inherit;font-size:9pt;font-style:italic;">(Choose one of (a) or (b).)</font><font style="font-family:inherit;font-size:9pt;">:</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[   ]&#160;&#160;&#160;&#160;Does not apply.</font></div><div style="line-height:120%;text-align:justify;padding-left:36px;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:inherit;font-size:9pt;font-weight:bold;">[X]&#160;&#160;&#160;&#160;Applies. </font><font style="font-family:inherit;font-size:9pt;">Such investments are subject to the limitations of Section 8.02(A)(13) and/or Appendix B.</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">&#169; 2014 Milliman, Inc. or its suppliers</font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;">45</font></div></div>	</body>
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<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>exhibit2312015pro401k.htm
<DESCRIPTION>EXHIBIT 23.1
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<a name="sAAF78918BE6F1E4823F9481BD6D4CCF6"></a><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><br><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Exhibit 23.1</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Consent of Independent Registered Public Accounting Firm</font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:10px;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We hereby consent to the incorporation by reference in this Registration Statement on Form&#160;S-8 of our report dated March 2, 2015</font><font style="font-family:inherit;font-size:10pt;"><sup style="vertical-align:top;line-height:120%;font-size:7pt"> </sup></font><font style="font-family:inherit;font-size:10pt;">relating to the financial statements, financial statement schedule and the effectiveness of internal control over financial reporting, which appears in Simpson Manufacturing Co., Inc.'s Annual Report on Form 10&#8209;K for the year ended December&#160;31, 2014.  We also consent to the reference to us under the headings &#8220;Experts&#8221; in such Registration Statement.</font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">/s/PricewaterhouseCoopers LLP </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">San Francisco, California</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:8px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">December&#160;15, 2015</font><font style="font-family:inherit;font-size:10pt;">&#32;</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><br><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18</font></div></div>	</body>
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