EX-10.21



 EXHIBIT 10.21 
  

 
  

WesBanco, Inc. KSOP 
 As
Amended and Restated Effective January 1, 2014 







 Table of Contents 

 

					
	 Overview
		 	1	  
		
	 Article 1. Preface
		 	2	  
		
	 Article 2. Definitions
		 	3	  
		
	 Article 3. Eligibility and Participation
		 	10	  
		
	 Article 4. Contributions
		 	12	  
		
	 Article 5. Benefits
		 	17	  
		
	 Article 6. Death Benefits
		 	21	  
		
	 Article 7. Vesting
		 	23	  
		
	 Article 8. Distributions
		 	25	  
		
	 Article 9. Accounts
		 	28	  
		
	 Article 10. Top-Heavy Plan Provisions
		 	34	  
		
	 Article 11. Administration by Committee
		 	38	  
		
	Article 12. Allocation of Responsibilities among Named Fiduciaries, Management of Funds, and Amendment or Termination of Plan		 	40	  
		
	 Article 13. Miscellaneous
		 	43	  
		
	 Article 14. Termination of Plan and Trust, Merger or Consolidation of Plan
		 	44	  
		
	 Article 15. Claims Procedure
		 	45	  
		
	 Article 16. Provisions Regarding Employer Stock
		 	48	  
		
	 Article 17. Special Vesting Rules for Participant Accounts from Merged Plans
		 	57	  
		
	 Article 18. Merger of Oak Hill Financial, Inc. 401(k) and Profit Sharing Plan
		 	59	  
		
	 Article 19. Service Credit for Former AmTrust Employees
		 	61	  
		
	 Article 20. Service Credit for Former Fidelity Bancorp Employees
		 	62	  
		
	 Signature Page
		 	63	  


  
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 Overview 

WHEREAS, WesBanco, Inc., a corporation organized under the laws of the State of West Virginia (the “Company”), established the
WesBanco, Inc. Employee Stock Ownership Plan (the “Plan”) effective as of December 31, 1986; and 
 WHEREAS, the Plan was
amended and restated effective January 1, 1989; and 
 WHEREAS, the Plan was further amended and restated effective January 1,
1996, to include a cash or deferred arrangement under Code Section 401(k) and employer matching contributions under Code Section 401(m), and the name of the Plan was changed to the WesBanco, Inc. KSOP; and 

WHEREAS, the Company subsequently amended and restated the Plan, also effective January 1, 1996, solely for the purpose of clarifying the
terms of the Plan; and 
 WHEREAS, the Plan was amended a number of times since it was amended and restated in 1996 and, as a result, the
Company amended and restated the Plan effective January 1, 2006, in order to reorganize the Plan document and bring it up-to-date; and 

WHEREAS, the Company again amended and restated the Plan effective January 1, 2006, in order to reinsert ADP/ACP testing for the 2006
Plan Year, and correct some minor inconsistencies in the Plan document; and 
 WHEREAS, the Plan was amended a number of times since it was
amended and restated in 2006; and 
 WHEREAS, the Company desires to amend and restate the Plan effective January 1, 2014, in order to
bring the Plan document up-to-date; 
 NOW, THEREFORE, the Plan is amended and restated as set forth below. 

  
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 Article 1. 

Preface 

Section 1.1. Effective Date. Except as otherwise provided herein, the effective date of the Plan, as amended and restated,
is January 1, 2014. The original effective date of the Plan was December 31, 1986. 
 Section 1.2. Purpose of
Plan. The purpose of the Plan is, in the manner hereinafter set forth, to promote the future economic welfare of the Qualified Employees of each adopting Employer, develop in those Qualified Employees an increased interest in each adopting
Employer’s successful operation, and encourage Qualified Employee savings. The intention of each adopting Employer is that the contributions made by it and Qualified Employees, together with the income thereon, shall be accumulated and made
available to Qualified Employees upon their retirement from the Employer, all as set forth hereinafter. It is intended that the Plan qualify as a stock bonus plan under Code Section 401(a) and an employee stock ownership plan under Code
Section 4975(e)(7) with respect to Employer Discretionary Contributions, and otherwise as a profit sharing plan under Code Section 401(a). 

Section 1.3. Legal Effect. As of January 1, 2014, the terms and conditions of the Plan shall amend and supersede
prospectively the terms and conditions of the WesBanco, Inc. KSOP as in effect on December 31, 2013; provided, however, that the provisions of such prior Plan shall continue to govern the rights of all Employees who retired or otherwise ceased
to work for the Employer prior to the execution date hereof, except as otherwise expressly stated herein. 
 If the provisions of the Plan
and the Trust Agreement that is part of the Plan are found to be contradictory, then the provisions of the Plan document shall apply. 

Section 1.4. Form of Plan. The Plan shall be a single plan. The total assets of the Plan shall be available to provide
benefits for any Participant or Inactive Participant. 
 Section 1.5. Governing Law. The Plan shall be regulated,
construed, and administered under the laws of the State of West Virginia, except when preempted by federal law. 
 Section 1.6.
Headings. The headings and subheadings in the Plan have been inserted for convenience and reference only and are to be ignored in any construction of the provisions hereof. 

Section 1.7. Gender and Number. The masculine gender shall be deemed to include the feminine, the feminine gender shall be
deemed to include the masculine, and the singular shall include the plural, unless otherwise clearly required by the context. 

  
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 Article 2. 

Definitions 
 The following
words and phrases, when used herein, shall have the meanings set forth below unless otherwise clearly required by the context: 

Section 2.1. Act. The Employee Retirement Income Security Act of 1974, as it may be amended from time to time. 

Section 2.2. Adjustment Date. Each day that securities are traded on a national stock exchange. 

Section 2.3. Beneficiary. The person or persons designated by a Participant or Inactive Participant to receive the balance
of his account, if any, after his death. 
 Section 2.4. Board. The Board of Directors of the Company. 

Section 2.5. Break in Service. The failure of a former Employee to complete more than 500 Hours of Service during a Plan
Year. Such break shall be effective as of the last day of the Plan Year in which such event occurs. A Break in Service shall not result from a Leave of Absence if the Employee returns to employment at the end of such Leave of Absence; provided,
however, that a leave protected under the federal Family and Medical Leave Act of 1993, as amended, shall not constitute a Break in Service. 

Section 2.6. Cash Subaccount. The balance posted to the record of each Participant, Inactive Participant, or Beneficiary
consisting of any Employer contributions, Employee elective deferrals, and rollover contributions made in cash, cash dividends which have been paid with respect to Employer Stock allocated to his accounts, and earnings on short term investments
deposited in his Cash Subaccount pending investment in Employer Stock. 
 Section 2.7. Code. The Internal Revenue Code of
1986, as it may be amended from time to time. 
 Section 2.8. Committee. The Administrative Committee as described in
Article 11. 
 Section 2.9. Company. WesBanco, Inc., a corporation organized under the laws of the State of West
Virginia. 
 Section 2.10. Compensation. Except as provided in Section 10.7, Compensation shall mean compensation as
that term is defined in Section 9.4. 
 In addition to other applicable limitations set forth in the Plan, and notwithstanding any
other provision of the Plan to the contrary, the annual Compensation of each Participant taken into account in determining allocations for any Plan Year shall not exceed the dollar limitation specified by Code Section 401(a)(17)(A), as adjusted
for cost-of-living increases in accordance with Code Section 401(a)(17)(B)) (e.g., $260,000 for the Plan Year beginning January 1, 2014). Annual Compensation means compensation during the Plan Year or such other 12-month period


  
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over which Compensation is otherwise determined under the Plan (the determination period). The cost-of-living adjustment in effect for a calendar year applies to annual Compensation for the
determination period that begins with or within such calendar year. If a determination period consists of fewer than 12 months, the annual compensation limit will be multiplied by a fraction, the numerator of which is the number of months in the
determination period, and the denominator of which is 12. 
 Solely for purposes of Section 4.3, Compensation for the first Plan Year
during which an Employee participates shall include Compensation paid during the entire Plan Year. For all other purposes under Article 4, Compensation for the first year an Employee participates shall include only Compensation paid after his Entry
Date. 
 Section 2.11. Cost Subaccount. The balance posted to the record of each Participant, Inactive Participant, or
Beneficiary under the Plan consisting of the average cost of shares of Employer Stock purchased and allocated to his accounts. 

Section 2.12. Date of Employment. The first date on which an Employee completes an Hour of Service. 

Section 2.13. Date of Reemployment. The date on which an Employee completes an Hour of Service following a termination or
Break in Service. 
 Section 2.14. Employee. Any person who is a common law employee of the Employer or a Related
Employer. 
 Section 2.15. Employee Deferral Account. The balance posted to the record of each Participant, Inactive
Participant, or Beneficiary consisting of elective deferrals of the Participant’s Compensation and adjustments as of each Adjustment Date, less any payments therefrom. Each Employee Deferral Account shall include, where appropriate, subaccounts
that reflect Employee-directed investments if permitted under Section 9.2. 
 Section 2.16. Employee Rollover
Contribution Account. The balance posted to the record of each Participant, Inactive Participant, or Beneficiary consisting of the Participant’s rollovers to the Plan, pursuant to Section 4.4, and adjustments as of each Adjustment
Date. Each Employee Rollover Contribution Account shall include, where appropriate, subaccounts that reflect Employee-directed investments if permitted under Section 9.2. 

Section 2.17. Employer. The Company and each adopting Related Employer. 

Section 2.18. Employer Discretionary Contribution. An Employer discretionary contribution to the Plan made pursuant to
Section 4.3. 
 Section 2.19. Employer Discretionary Contribution Account. The balance posted to the record of each
Participant, Inactive Participant, or Beneficiary consisting of his allocated share of Employer Discretionary Contributions and adjustments as of each Adjustment Date, less any distributions therefrom. An Employer Discretionary Account will include
a Number of Shares Subaccount and a Cash Subaccount, as applicable. 

  
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 Section 2.20. Employer Matching Contribution. An Employer matching
contribution to the Plan made pursuant to Section 4.2. 
 Section 2.21. Employer Matching Contribution Account. The
balance posted to the record of each Participant, Inactive Participant, or Beneficiary consisting of his allocated share of Employer Matching Contributions and adjustments as of each Adjustment Date, less any distributions therefrom. Each Employer
Matching Contribution Account shall include, where appropriate, subaccounts that reflect Employee-directed investments if permitted under Section 9.2. 

Section 2.22. Employer Stock. Common stock of the Company. 

Section 2.23. Entry Date. The first day of each calendar month. 

Section 2.24. Fund. Any of the funds allowed as an investment election under Section 9.2. 

Section 2.25. Highly Compensated Employee. The term Highly Compensated Employee means highly compensated active Employees
and highly compensated former Employees. 
 A highly compensated active Employee means any Employee who performs service for the Employer or
a Related Employer and who (a) was a 5-percent owner (within the meaning of Code Section 416(i)(1) at any time during the Determination Year or the Look-Back Year; or (b) for the Look-Back Year
had compensation from the Employer or a Related Employer in excess of the dollar threshold specified by Code Section 414(q)(1)(B)(i), as adjusted for cost-of-living
increases in accordance with Code Section 414(q)(1) (e.g., $115,000 for the Plan Year beginning January 1, 2014), and was among the highest paid 20% of Employees for the preceding Plan Year when ranked by Compensation paid for that year
excluding, for purposes of determining the number of such Employees, such Employees as the Committee may determine on a consistent basis pursuant to Code Section 414(q)(5). 

For purposes of this Section, the Determination Year is the Plan Year for which the determination is being made, and the Look-Back Year is the
12-month period immediately preceding the Determination Year. 
 A highly compensated former Employee is determined based on the rules
applicable to determining highly compensated Employee status as in effect for that Determination Year, in accordance with Treas. Reg. Section 1.414(q)-lT, Q&A-4, and other applicable official guidance. 

The determination of who is a Highly Compensated Employee, including the number and identity of Employees in the top-paid group and the
compensation that is considered, will be made in accordance with Code Section 414(q) and regulations thereunder. 

Section 2.26. Hour of Service. 

(a) Each hour for which an Employee is paid, or entitled to payment, for the performance of duties for the Company and any
Related Employer. These hours shall be credited to the Employee for the computation period in which the duties are performed. 

  
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 (b) Each hour for which an Employee is paid, or entitled to payment, by the
Company and any Related Employer on account of a period of time during which no duties are performed (irrespective of whether the employment relationship has terminated) due to vacation, holiday, illness, incapacity (including disability), layoff,
jury duty, military duty, or leave of absence; provided, however, that: 
 (1) No more than 501 hours are required to be
credited under this paragraph to an Employee on account of any single continuous period during which the Employee performs no duties (whether or not such period occurs in a single computation period); 

(2) An hour for which an Employee is directly or indirectly paid, or entitled to payment, on account of a period during which
no duties are performed is not required to be credited to the Employee if such payment is made or due under a plan maintained solely for the purpose of complying with applicable workers’ compensation, unemployment compensation, or disability
insurance laws; and 
 (3) Hours are not required to be credited for a payment which solely reimburses an Employee for
medical or medically-related expenses incurred by the Employee. 
 (c) Each hour for
which back pay, irrespective of mitigation or damages, is either awarded or agreed to by the Employer or Related Employer. The same hours shall not be credited both under paragraph (a) or paragraph (b), as the case may be, and under this
paragraph (c). Hours for which back pay is awarded or agreed to shall be credited to the Employee for the computation period or periods to which the award or agreement pertains rather than the computation period in which the award, agreement, or
payment is made. 
 (d) Where the Employer or Related Employer maintains the plan of a predecessor employer, service for such
predecessor employer shall be treated as service with the Employer or Related Employer. 
 (e) A salaried Employee who is not
paid on an hourly basis shall be credited with 45 Hours of Service for each week during which the Employee would be credited with at least one Hour of Service. 

(f) Hours under this Section shall be calculated and credited pursuant to U.S. Department of Labor Regulation
Section 2530.200b-2, which is incorporated herein by reference. 
 (g) Solely for purposes of determining whether a
Break in Service has occurred, an Employee or former Employee who is absent from work for maternity or paternity leave shall receive credit either for the Hours of Service, as described in paragraphs (a) through (f) above, which otherwise
would have been credited to such Employee or former Employee but for such absence, or in any case in which such Hours of Service cannot be determined, eight Hours of Service per day of absence. The total


  
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number of Hours of Service credited under this paragraph shall not exceed 501. Hours of Service pursuant to this paragraph shall be credited in the computation period during which the
absence begins if doing so would prevent an Employee from incurring a one-year Break in Service in that computation period. In any other case, these hours shall be credited in the following computation period.
For purposes of this paragraph, an absence from work for maternity or paternity leave means an absence (1) by reason of pregnancy of the Employee or former Employee, (2) by reason of the birth of a child of the Employee or former Employee,
(3) by reason of placement of a child with the Employee or former Employee in connection with the adoption of such child by such Employee or former Employee, or (4) for purposes of caring for such child for a period beginning immediately
following such birth or placement. Notwithstanding the above, no credit shall be given for Hours of Service pursuant to this paragraph unless the Employee or former Employee furnishes sufficient information to the Plan Administrator or the Committee
to establish that the absence is due to maternity or paternity leave and the number of days of such absence. 
 (h) Solely
for the purpose of determining whether a Break in Service for participation and vesting purposes has occurred, an Employee or former Employee who is absent from work due to a Leave of Absence or service in the uniformed services shall receive credit
for 40 Hours of Service per week or eight Hours of Service per working day; provided, however, that the Employee returns to employment with the Employer or Related Employer at the end of the Leave of Absence or within the time period prescribed by
law for return from service in the uniformed services. 
 Section 2.27. Inactive Participant. Any person who was a
Participant and terminates employment or otherwise ceases to be a Participant but whose interest in the Trust Fund has not been wholly distributed. 

Section 2.28. Leave of Absence. Any absence authorized by the Employer under its standard personnel practices as applied in
a uniform and nondiscriminatory manner to all persons similarly situated. 
 Section 2.29. Limitation Year. The Plan
Year. 
 Section 2.30. Nonhighly Compensated Employee. Any Employee who is not a Highly Compensated Employee. 

Section 2.31. Normal Retirement Age. The Participant’s or Inactive Participant’s 65th birthday. 
 Section 2.32. Normal Retirement Date. The first day of
the month coincident with or next following the date on which a Participant or Inactive Participant attains Normal Retirement Age. 

Section 2.33. Number of Shares Subaccount. The balance posted to the record of each Participant, Inactive Participant, or
Beneficiary consisting of the number of whole and fractional shares of Employer Stock purchased by or allocated to his accounts. 

  
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 Section 2.34. Participant. Every Employee who has met the requirements of
Article 3 and who is not an Inactive Participant. 
 Section 2.35. Plan. The WesBanco, Inc. KSOP as set forth herein and
as it may be amended from time to time. 
 Section 2.36. Plan Administrator. The Company. 

Section 2.37. Plan Year. The 12-month period ending on December 31 of each year. 

Section 2.38. QDRO. A qualified domestic relations order as described in Code Section 414(p). 

Section 2.39. Qualified Employee. Any Employee of an Employer, excluding (a) any individual who is a “leased
employee,” as defined in Code Section 414(n)(2), (b) any temporary Employee, and (c) any Employee covered by a collective bargaining agreement between employee representatives and the Employer if retirement benefits were the
subject of good faith bargaining between such employee representatives and the Employer and if the collective bargaining agreement does not extend participation in the Plan. 

Notwithstanding the immediately preceding sentence, a temporary Employee who has completed at least 1,000 Hours of Service during an
applicable computation period shall become a Qualified Employee as of the first day of the month immediately following the last day of such period. For such purposes, such Employee’s first applicable computation period shall be the 12-month period beginning on the date he first completes an Hour of Service. Thereafter, such Employee’s applicable computation period shall be each Plan Year, commencing with the Plan Year that includes the
first anniversary of his Date of Employment or Date of Reemployment. 
 Section 2.40. Qualified Matching Contributions.
Employer Matching Contributions that are subject to the distribution and nonforfeitability requirements of Code Section 401(k) when made. 

Section 2.41. Qualified Matching Contribution Account. The balance posted to the record of each Participant, Inactive
Participant, or Beneficiary consisting of his allocated share of Qualified Matching Contributions and adjustments as of each Adjustment Date, less any distributions therefrom. Each Qualified Matching Contribution Account shall include, where
appropriate, subaccounts that reflect Employee-directed investments if permitted under Section 9.2. 
 Section 2.42.
Readily Tradable. “Readily tradable on an established securities market,” as defined in Treas. Reg. Section 1.401(a)(35)-1(f)(5). 

Section 2.43. Related Employer. A corporation which is a member of a controlled group of corporations (within the meaning
of Code Section 1563(a)(1), (a)(2), and (a)(3)) of which the Company is also a member, any trade or business, whether or not incorporated, that is under common control (within the meaning of Code Section 414(c)) with the Company, any
member of an affiliated service group (within the meaning of Code Section 414(m)) that includes the Company, and any other entity required to be aggregated with the Company pursuant to 

  
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regulations prescribed by the Secretary of the Treasury under Code Section 414(o). For purposes of Sections 9.4 and 9.5, however, the phrase “more than 50 percent” shall be
substituted for the phrase “at least 80 percent” each place it appears in Code Section 1563(a)(1). 

Section 2.44. Trust or Trust Fund. The total of the contributions made pursuant to the Plan by the Employer and
Participants and held by the Trustee in a separate Trust, increased by any profits or income thereto, and decreased by any loss or expense incurred in the administration of the Trust and payments therefrom under the Plan. 

Section 2.45. Trustee. The bank, trust company, other financial institution, or individual or individuals, holding and
managing the Fund according to the terms of the WesBanco Bank, Inc. KSOP Trust Agreement. 
 Section 2.46. Year of
Service. Each Plan Year during which an Employee is credited with at least 1,000 Hours of Service. 

  
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 Article 3. 

Eligibility and Participation 

Section 3.1. Eligibility. All Qualified Employees who were Participants in the Plan on December 31, 2013, shall
continue to participate in the Plan as of January 1, 2014. Any other Qualified Employee who has completed 60 days of service after attaining age 21 shall become a Participant at the time specified in Section 3.2. 

Section 3.2. Participation. Any Qualified Employee who has satisfied the requirements of Section 3.1 shall be eligible
to become a Participant on the Entry Date next following the date on which such requirements are met, unless such Employee separated from service and did not return to employment before his Entry Date. 

Once a Qualified Employee becomes a Participant, he shall remain a Participant until his employment with an Employer terminates, regardless of
the number of Hours of Service he completes in a Plan Year. 
 A Qualified Employee who terminates employment after meeting the requirements
of Section 3.1 and is rehired by an Employer shall be eligible to become a Participant on the later of his Date of Reemployment or his original Entry Date. 

Section 3.3. Transfer to or from Eligible Class of Employees. If a Participant is no longer a Qualified Employee and
becomes an Inactive Participant and ineligible to participate but has not incurred a Break in Service, such individual shall be eligible to participate again immediately upon becoming a Qualified Employee. 

If an Employee who is not a Qualified Employee becomes a Qualified Employee, such Employee shall be eligible to participate on the later of
the date he becomes a Qualified Employee, if such Employee otherwise previously would have become a Participant, and his original Entry Date. 

Section 3.4. Service with a Related Employer. A Participant who transfers employment to a Related Employer that has not
adopted the Plan shall remain covered by the Plan but shall become an Inactive Participant and share in Employer contributions only until the end of the Plan Year in which such transfer occurs. Such contributions shall be determined by taking into
account only Compensation received while a Participant. If an Inactive Participant is transferred again to the Employer, he shall be eligible to participate in the Plan on his date of transfer. If an Inactive Participant remains in the employ of a
Related Employer that has not adopted the Plan until his termination of employment, his benefits shall be calculated based on the provisions of Articles 5 and 7. 

Section 3.5. Service as a Leased Employee. Each “leased employee,” within the meaning of Code
Section 414(n)(2), shall be considered an Employee or an employee of a Related Employer, as appropriate, for purposes of determining whether the Plan satisfies the minimum coverage requirements of Code Section 410(b). Notwithstanding the
foregoing, a leased employee shall not be so considered if the leased employee is covered by a money 

  
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purchase pension plan providing for a nonintegrated employer contribution of at least 10 percent of compensation, full and immediate vesting, and immediate participation, and leased employees do
not constitute more than 20 percent of the Employer’s Nonhighly Compensated Employee work force. 
 If a leased employee is
subsequently hired as an Employee, service while a leased employee shall be considered when determining such Employee’s Years of Service. 

Section 3.6. Qualified Military Service. Notwithstanding any provisions of the Plan to the contrary, effective
December 12, 1994, the Plan will provide contributions, benefits, and service credit with respect to qualified military service in accordance with Code Section 414(u). 

In addition, for purposes of any benefit payable to a surviving spouse or a Beneficiary of a Participant or Inactive Participant, with respect
to a Participant’s or Inactive Participant’s death on or after January 1, 2007, while the Participant or Inactive Participant was performing qualified military service (as defined in Code Section 414(u)), the surviving spouse or
Beneficiary, as the case may be, of the deceased Participant or Inactive Participant shall be entitled to any death benefit (other than benefits that may have accrued during the period of qualified military service) provided under the Plan as if the
Participant or Inactive Participant had returned to employment with the Employer and then incurred a termination of employment with the Employer on account of his death. 

  
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 Article 4. 

Contributions 

Section 4.1. Employee Deferrals. A Qualified Employee who has met the requirements of Section 3.1 may elect to defer
whole percentages between 1 percent and 50 percent of his Compensation (or such larger or smaller percentage as may, from time to time, be set by the Committee) during the Plan Year for which the election is being made. If such election is not
made prior to the first Entry Date following eligibility, then he shall be eligible to make a deferral election in accordance with procedures established by the Committee, such election to be effective as soon as administratively feasible after such
deferral election is made. The election shall specify the percentage to be deferred and contributed to the Trust. 
 Notwithstanding the
preceding paragraph, any Qualified Employee hired on or after January 2, 1999, shall be deemed to have elected to defer 1 percent (3 percent, for Qualified Employees hired after December 31, 2003) of his Compensation into the Plan
effective as of the first Entry Date following completion of the eligibility requirements under Section 3.1 unless the Qualified Employee makes an affirmative election not to make a deferral contribution or elects a different deferral amount.

 Except as otherwise provided in the next paragraph, in no event shall a Participant’s deferrals to this Plan or any other qualified
plan maintained by the Employer during any calendar year exceed the dollar limit under Code Section 402(g) in effect for such calendar year. 

Notwithstanding anything in the Plan to the contrary, Participants who would attain age 50 before the end of the Plan Year shall be
eligible to make catch-up contributions in accordance with, and subject to the limitations of, Code Section 414(v). Such catch-up contributions shall not be taken into account for purposes of the provisions of the Plan implementing the required
limitations of Code Sections 402(g) and 415. The Plan shall not be treated as failing to satisfy the provisions of the Plan implementing the requirements of Code Sections 401(a)(4), 401(k)(3), 401(k)(11), 410(b), or 416, as applicable, by
reason of the making of such catch-up contributions. 
 A Participant may change his deferral percentage in accordance with procedures
established by the Committee, effective as soon as administratively feasible after such change is made. 
 For purposes of this Section,
Compensation used for determining the amount of any deferral shall be Compensation for the Plan Year for which such election is made, including any increases in Compensation during the Plan Year. 

Deferrals made pursuant to this Section shall be paid to the Trustee and credited to the Participant’s Employee Deferral Account. Any
amounts not elected to be deferred shall be paid to the Participant as current Compensation. 

  
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 Notwithstanding the above, a Participant who has received a hardship distribution described in
Section 8.2 shall not be eligible to make deferrals during the six-consecutive month period beginning on the date of the distribution. 

A Participant may assign to the Plan any deferrals made during a taxable year that exceed the dollar limitation under Code
Section 402(g)(1)(B), as adjusted for cost-of-living increases in accordance with Code Section 402(g)(4) (e.g., $17,500 for the Plan Year beginning January 1, 2014) (“excess deferrals”), by notifying the Plan
Administrator in writing on or before March 1 of the year following the year in which the deferrals were made of the amount of such excess deferrals to be assigned to the Plan. A Participant shall be deemed to have notified the Plan
Administrator of excess deferrals to the extent the Participant has excess deferrals for a taxable year determined by taking into account only elective deferrals under the Plan and other qualified plans maintained by the Employer. 

Notwithstanding any other provision of the Plan, the excess deferrals assigned to the Plan, plus any income and minus any loss allocable
thereto, shall be distributed no later than April 15 to any Participant who assigned such excess deferrals to the Plan for the preceding year. 

The income or loss allocable to excess deferrals shall be calculated under the same method used under Section 9.3 to allocate income or
loss to Participants’ accounts. Alternatively, the income or loss allocable to excess deferrals shall be calculated by multiplying the income or loss allocable to the Participant’s Employee Deferral Account for the Participant’s
taxable year by a fraction, the numerator of which is the Participant’s excess deferrals for the year and the denominator of which is the balance of the Participant’s Employee Deferral Account at the beginning of the taxable year plus the
Participant’s deferrals for the taxable year. 
 Section 4.2. Employer Matching Contributions. The Employer shall
contribute to the Trust on behalf of each Participant Employer Matching Contributions equal to 100 percent of the first three percent, and 50 percent of the next two percent, of Compensation deferred by the Participant during the Plan Year
(including catch-up contributions under Section 4.1). The Employer Matching Contributions shall apply to the Plan Year as a whole, but shall be made and allocated as of Adjustment Dates in the Plan Year to the Participants who made deferrals of
Compensation during the Plan Year. 
 Section 4.3. Employer Discretionary Contributions. In addition to Employer Matching
Contributions, the Employer may contribute to the Trust for each Plan Year such amount as the Board shall determine for such Plan Year; provided, however, that the total contributions for any such Plan Year shall not exceed the maximum amount
deductible by the Employer for such Plan Year for federal income tax purposes, including any credit carry-over from one or more prior Plan Years. Such Employer Discretionary Contributions may be paid to the Trust in cash or shares of Employer Stock,
as determined by the Board. 
 If an Employee does not receive an allocation due to clerical error or other reasonable cause, the Employer
may contribute to the Trust such amount as the Committee shall determine, as approved by the Board. 

  
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 As of the December 31 Adjustment Date, the Employer Discretionary Contributions and any
forfeitures under Article 7 shall be allocated among Participants employed on the last day of the Plan Year who completed a Year of Service, or who were on a Leave of Absence during the Plan Year, in the same proportion that each such
Participant’s Compensation bears to the total Compensation of all such Participants for such Plan Year. Employer Discretionary Contributions and forfeitures shall be allocated to a Participant’s Employer Discretionary Contribution Account.

 Section 4.4. Rollover Contributions. With the consent of the Committee, a Qualified Employee who has been a
participant in a qualified retirement plan, an annuity contract under Code Section 403(b), an eligible plan under Code Section 457(b) that is maintained by a state, political subdivision of a state, or any agency or instrumentality of a
state or political subdivision of a state, or an individual retirement account or annuity described in Code Section 408(a) or 408(b) (an “eligible plan”), may directly roll over to the Plan all or any portion of an eligible rollover
distribution (other than after-tax contributions) from such eligible plan. Such rollover contributions will be fully vested at all times. Any such rollover contributions shall be held in a separate Employee Rollover Contribution Account in the name
of the Participant and shall reflect the net earnings or net losses of the Trust Fund. However, such contributions may be commingled for investment purposes and invested in the same manner as other Trust assets. Notwithstanding the foregoing, no
amount may be transferred to the Plan from another eligible plan if, as a result of such transfer, the Plan would be required to comply with Code Section 401(a)(11) as a transferee plan. 

An “eligible rollover distribution” is any distribution of all or any portion of the balance to the credit of the Qualified
Employee, except that an eligible rollover distribution does not include any distribution that is one of a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the Qualified
Employee or the joint lives (or joint life expectancies) of the Qualified Employee and the Qualified Employee’s designated Beneficiary, or for a specified period of ten years or more; any distribution to the extent such distribution is required
under Code Section 401(a)(9); and any hardship distribution. 
 Section 4.5. Return of Employee Deferrals. Each
Participant shall at all times be fully vested in the amount in his Employee Deferral Account, but a Participant or his Beneficiary shall be entitled to payment of the amount credited to such account only upon the occurrence of an event described
in; and in accordance with, this Article 4 or Articles 5, 6, or 7. 
 Section 4.6. ADP/ACP Tests. The Plan uses the
matching safe harbor contributions method of Section 401(k)(12) of the Code and, therefore, is deemed to satisfy the actual deferral percentage test requirements of Section 401(k)(3)(A)(ii) of the Code (“ADP Test Safe Harbor”)
and, in accordance with Section 401(m)(11) of the Code, the actual contribution percentage test requirements of Section 401(m)(2) of the Code (“ACP Test Safe Harbor”). 

(a) The Plan shall satisfy the notice requirement of Treas. Reg. Section 1.401(k)-3(d). 

(b) Except as provided in Treas. Reg. Sections 1.401(k)-3(e) and 1.401(k)-3(f), the Plan will fail to satisfy the requirements of Section 401(k)(12) of the 

  
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Code and this Plan Section for a Plan Year unless such provisions remain in effect for an entire 12-month Plan Year. Notwithstanding the
foregoing, if the Plan has a short Plan Year as a result of a change in its Plan Year, then the Plan will not fail to satisfy the requirements of this Plan Section merely because the Plan Year is less than 12 months, provided
that (1) the Plan satisfied the ADP Test Safe Harbor and ACP Test Safe Harbor requirements for the immediately preceding Plan Year; and (2) the Plan satisfies the ADP Test Safe Harbor and ACP Test Safe Harbor requirements (determined
without regard to Treas. Reg. Section 1.401(k)-3(g)) for the immediately following Plan Year (or for the immediately following 12 months if the immediately following Plan Year is less than
12 months). 
 (c) For such period as the ADP Test Safe Harbor contribution being made to the Plan is an Employer
Matching Contribution (or any ACP Test Safe Harbor Employer Matching Contribution) that is made separately with respect to each payroll period (or with respect to all payroll periods ending with or within each month or quarter of a Plan Year)
taken into account under the Plan for the Plan Year, then such Employer Matching Contributions with respect to any Employee elective deferrals made during a Plan Year quarter must be contributed to the Plan by the last day of the
immediately following Plan Year quarter. 
 (d) The Company may amend the Plan during a Plan Year to reduce or
eliminate prospectively any or all Employer Matching Contributions (including ADP Test Safe Harbor Matching Contributions and/or ACP Test Safe Harbor Employer Matching Contributions), provided that: 

(1) The Plan Administrator provides a supplemental notice to Participants which explains the consequences of the amendment,
specifies the amendment’s effective date, and informs Participants that they will have a reasonable opportunity to modify their elective deferral elections; 

(2) Participants have a reasonable opportunity (including a reasonable period after receipt of the supplemental notice) prior
to the effective date of the amendment to modify their elective deferral elections; and 
 (3) The amendment is not effective
earlier than the later of (A) 30 days after the Plan Administrator provides such supplemental notice; or (B) the date the Company adopts the amendment. 

(e) If the Company amends the Plan to eliminate or reduce any Employer Matching Contribution effective during the
Plan Year, the Company shall continue to apply all of the ADP Test Safe Harbor and ACP Test Safe Harbor requirements of the Plan until the amendment becomes effective, and also shall apply for the entire Plan Year (1) the actual
deferral percentage test described in Treas. Reg. Section 1.401(k)-2(a)(1) using the current year testing method described in Treas. Reg. Section 1.401(k)-2(a)(2)(ii); and (2) the actual
contribution percentage test described in Treas. Reg. Section 1.401(m)-2(a)(1) using the current year testing method described in Treas. Reg. Section 1.401(m)-2(a)(2)(ii). 

  
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 (f) The Company may terminate the Plan during a Plan Year in accordance with
the Plan termination provisions of the Plan and this subsection (f). If the Company’s termination of the Plan results in a short Plan Year, and the termination is on account of an acquisition or disposition transaction described in
Section 410(b)(6)(C) of the Code, or if the termination is on account of the Company’s substantial business hardship that is comparable to a substantial business hardship described in Section 412(c) of the Code, then the Plan remains
an ADP Test Safe Harbor and ACP Test Safe Harbor Plan, provided that the Plan satisfies the ADP Test Safe Harbor and ACP Test Safe Harbor provisions through the effective date of the Plan termination. If the Company terminates the Plan for
any reason other than as described in the preceding sentence, and the termination results in a short Plan Year, the Company must conduct the termination under the provisions of subsections (d) and (e), above, except that the Company need
not provide Participants with the right to change their elective deferral elections. 

  
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 Article 5. 

Benefits 

Section 5.1. Normal Retirement and Delayed Retirement Date. A Participant who is employed by an Employer or Related
Employer shall be eligible to retire and receive a retirement benefit effective as of his Normal Retirement Date. If the Participant remains in the employ of the Employer after his Normal Retirement Date, he shall continue to be a Participant in the
Plan until his actual retirement. The Participant’s benefit shall be available for distribution as soon as administratively feasible after the Adjustment Date coincident with or next succeeding such retirement. 

Section 5.2. Early Retirement. A Participant or Inactive Participant who is employed by an Employer or Related Employer and
who has not attained his Normal Retirement Date shall be eligible to retire and receive a retirement benefit effective as of the earlier of (a) the first day of the month following the later of (1) attainment of age 60 and completion of 15
Years of Service, or (2) the tenth anniversary of the date he commenced participation in the Plan, and (b) the date on which he retires pursuant to an early retirement incentive window offered by the Employer. Subject to the provisions of
Section 5.6, the Participant’s or Inactive Participant’s benefit shall be payable to him pursuant to Section 5.4. 

Section 5.3. Disability Retirement. A Participant or Inactive Participant who is employed by an Employer or Related
Employer and who has not attained his Normal Retirement Date shall be eligible to retire and receive a retirement benefit effective as of the first day of the month following the date of the Participant’s or Inactive Participant’s
termination of service with the Company and all Related Employers as a result of permanent disability. For this purpose, “permanent disability” shall mean disability for which such Participant or Inactive Participant is eligible for and
receiving Social Security disability benefits. Subject to the provisions of Section 5.6, such Participant’s or Inactive Participant’s benefit shall be payable to him pursuant to Section 5.4. 

Section 5.4. Method of Settlement. Except as otherwise provided by Section 8.5, each Participant or Inactive
Participant may elect to have his vested account balance distributed in accordance with Section 5.1, 5.2, 5.3, or 8.1 in a single lump sum, in approximately equal annual installments, or in a combination thereof. If distribution is made in
installments, the total amount credited to the accounts of a Participant or Inactive Participant shall remain in the Fund and shall be adjusted as of each Adjustment Date as provided in the Plan, and the installments shall be modified annually to
reflect such adjustments. If the Participant or Inactive Participant dies prior to the exhaustion of his accounts, the payments shall continue to his Beneficiary in the manner chosen by the Participant or Inactive Participant, subject to the
provisions of Article 6. 
 In no event shall payments under the installment method extend beyond the latest of the lifetime of the
Participant or Inactive Participant, the lifetime of the Participant or Inactive Participant and the Participant’s or Inactive Participant’s Beneficiary, the life expectancy of the Participant or Inactive Participant, or the joint life
expectancies of the Participant or Inactive Participant and his Beneficiary. 

  
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 The value of any account balance for purposes of any distribution made under this Plan shall be
determined as of the Adjustment Date on which such distribution is processed. 
 Section 5.5. Commencement of Benefits.

 (a) Unless a Participant or Inactive Participant elects otherwise, benefits under the Plan must begin no later than the
60th day after the close of the Plan Year in which the latest of the following events occurs: 
 (1) the Participant or
Inactive Participant attains Normal Retirement Age, 
 (2) the Participant or Inactive Participant service with the Company
and all Related Employers terminates, or 
 (3) the tenth anniversary of the year in which the Participant or Inactive
Participant commences participation in the Plan. 
 A Participant or Inactive Participant may elect to defer payment until
his Required Beginning Date, as defined below. 
 (b) Benefits for a Participant or Inactive Participant must begin no later
than the earlier of the time specified in paragraph (a) above or the Participant’s or Inactive Participant’s Required Beginning Date, as defined in paragraph (c) below. 

(c) The Required Beginning Date of a Participant or Inactive Participant is April 1 of the calendar year following the
later of the calendar year in which the Participant or Inactive Participant attains age 70 1⁄2 or the calendar year in which the Participant or Inactive
Participant retires, except that benefit distributions to a 5-percent owner must commence by the April 1 of the calendar year following the calendar year in which the Participant or Inactive Participant
attains age 70 1⁄2. 

Notwithstanding the preceding paragraph, any Participant or Inactive Participant (other than a 5-percent owner) attaining age
70 1⁄2 in calendar years after 1995 and before 1999 may elect by April 1 of the calendar year following the calendar year in which he attained age 70 1⁄2 (or by December 31, 1997, in the case of a Participant or Inactive Participant attaining age 70 1⁄2 in 1996) to defer distributions until the calendar year following the calendar year in which he retires. If no such election is made, the Participant or Inactive Participant will begin receiving distributions by
the April 1 of the calendar year following the calendar year in which he attained age 70 1⁄2 (or by December 31, 1997, in the case of a Participant
or Inactive Participant attaining age 70 1⁄2 in 1996). 

For purposes of this Section, a Participant or Inactive Participant is considered a
5-percent owner if he is a 5-percent owner (within the meaning of Code Section 416(i)(1)) without regard to whether the Plan is top-heavy, in any Plan Year beginning with the Plan Year in which he attains
age 66 1⁄2. 

  
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 (d) Once distributions have begun to a 5-percent owner under this Section, they
must continue to be distributed, even if the Participant or Inactive Participant ceases to be a 5-percent owner in a subsequent year. 

Section 5.6. Consent Requirement. Notwithstanding any provision of the Plan to the contrary, no distribution shall commence
to a Participant or Inactive Participant prior to age 65 without the written consent of the Participant or Inactive Participant, unless his vested account balance does not exceed $5,000. The consent of the Participant or Inactive Participant shall
be obtained in writing within the 90-day period ending on the “annuity starting date.” The “annuity starting date” is the first day of the first period for which an amount is paid as an annuity or in any other form. 

The Committee shall notify the Participant or Inactive Participant of his rights specified in Treas. Reg. Section 1.411(a)-11(c). The
election shall be made in writing no earlier than 90 days, and no later than 30 days, before the benefit commencement date; provided, however, that distribution may commence less than 30 days after the notice described in the preceding sentence is
given, if the distribution is one to which Code Sections 401(a)(11) and 417 do not apply and the Plan Administrator clearly informs the Participant or Inactive Participant that he has a right to a period of at least 30 days after receiving the
notice to consider the decision of whether or not to elect a distribution (and, if applicable, a particular distribution option), and the Participant or Inactive Participant, after receiving the notice, affirmatively elects a distribution. 

The value of a Participant’s or Inactive Participant’s vested account balance for purposes of determining whether such value exceeds
$5,000 shall be calculated without regard to the portion of his vested account balance attributable to his Employee Rollover Contribution Account. 

Notwithstanding the above, if a Participant’s or Inactive Participant’s vested account balance exceeds $1,000 but does not exceed
$5,000, and a distribution is required to be made to the Participant or Inactive Participant pursuant to Section 5.2, 5.3, or 8.1 prior to attaining age 65, then if the Participant or Inactive Participant does not elect to have such
distribution paid directly to an eligible retirement plan specified by the Participant or Inactive Participant in a direct rollover or to receive the distribution directly, the Plan Administrator will pay the distribution in a direct rollover to an
individual retirement plan designated by the Plan Administrator. 
 Section 5.7. Special Required Minimum Distribution
Election. Notwithstanding anything in this Article V to the contrary, a Participant, Inactive Participant, or Beneficiary who would have been required to receive required minimum distributions for 2009 but for the enactment of Code
Section 401(a)(9)(H) (“2009 RMDs”) and who would have satisfied that requirement by receiving distributions that are (a) equal to the 2009 RMDs or (b) one or more payments in a series of substantially equal distributions
(that include the 2009 RMDs) made at least annually and expected to last for the life (or life expectancy) of the Participant or Inactive Participant, the joint lives (or joint life expectancy) of the Participant or Inactive Participant and the
Participant’s or Inactive Participant’s designated Beneficiary, or for a period of at least ten years (“Extended 2009 RMDs) will receive those distributions for 2009 unless the Participant, Inactive Participant, or Beneficiary chooses
not to receive such distributions. Participants, Inactive Participants, and Beneficiaries described in the preceding sentence will be given the opportunity to elect to stop receiving the distributions described in the preceding sentence. 

  
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 Section 5.8. Direct Rollovers. Notwithstanding any provision of the Plan to
the contrary, a distributee may elect, at the time and in the manner prescribed by the Committee, to have any portion of an eligible rollover distribution paid directly to an Eligible Retirement Plan specified by the distributee in a direct
rollover. A direct rollover is a payment by the Plan to the Eligible Retirement Plan specified by the distributee. 
 An “eligible
rollover distribution” is any distribution of all or any portion of the balance to the credit of the distributee, except that an eligible rollover distribution does not include any distribution that is one of a series of substantially equal
periodic payments (not less frequently than annually) made for the life (or life expectancy) of the distributee or the joint lives (or joint life expectancies) of the distributee and the distributee’s designated Beneficiary, or for a specified
period of ten years or more; any distribution to the extent such distribution is required under Code Section 401(a)(9); and any hardship distribution. For purposes of this Section, a portion of a distribution shall not fail to be an eligible
rollover distribution merely because (if applicable) the portion consists of after-tax employee contributions which are not includible in gross income. However, such portion may be transferred only to an individual retirement account or annuity
described in Code Section 408(a) or (b), or to a qualified plan described in Code Section 401(a) or annuity contract described in Code Section 403(b) that agrees to account separately for amounts so transferred, including separate
accounting for the portion of such distribution which is includible in gross income and the portion of such distribution which is not so includible. 

An Eligible Retirement Plan is a qualified trust described in Code Section 401(a); an annuity plan described in Code Section 403(a);
an annuity contract described in Code Section 403(b); an individual retirement account described in Code Section 408(a); an individual retirement annuity described in Code Section 408(b); and an eligible plan under Code
Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, that accepts the distributee’s eligible rollover distribution and agrees to
separately account for amounts transferred into such plan from this Plan. A distributee may, in accordance with Code Section 408A(d)(3), elect to make a qualified rollover contribution to an individual retirement account that is a Roth IRA of
any eligible rollover distribution that may be payable under the Plan to such distributee. 
 A “distributee” means a Participant
or Inactive Participant. In addition, the Participant’s or Inactive Participant’s surviving spouse and the Participant’s or Inactive Participant’s spouse or former spouse who is the alternate payee under a QDRO, are distributees
with regard to the interest of the spouse or former spouse. Also, a distributee includes the Participant’s or Inactive Participant’s non-spouse designated Beneficiary. In the case of a non-spouse
Beneficiary, the direct rollover may only be made to an individual retirement account or annuity described in Code Section 408(a) or (b) that is established on behalf of the designated Beneficiary and that will be treated as an inherited
IRA pursuant to the provisions of Code Section 402(c)(11). 

  
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 Article 6. 

Death Benefits 

Section 6.1. Amount and Payment of Death Benefits. Following the death of a Participant or Inactive Participant, his
Beneficiary shall be entitled to receive the nonforfeitable balance of the Participant’s or Inactive Participant’s accounts, if any. Such amount shall be paid to the Beneficiary in the manner selected by the Beneficiary, subject to
Sections 5.4 and 6.3. If no election is made by the Beneficiary, such amount shall be paid in a lump sum. 
 Section 6.2.
Designation of Beneficiary. Each Participant or Inactive Participant may name a Beneficiary on a form provided by the Plan Administrator and delivered to the Plan Administrator. Such designation may include more than one person with one or
more secondary or contingent Beneficiaries and shall be subject to change upon written request of such Participant or Inactive Participant in the same manner as the original designation. If a married Participant or Inactive Participant fails to
designate a Beneficiary, he will be deemed to have designated his spouse as his Beneficiary. If a single Participant or Inactive Participant fails to name a Beneficiary, payment will be made to his estate. If a Beneficiary receiving or entitled to
receive payment from the Plan dies before receiving all of the payments due him, payment shall be made to the contingent Beneficiary, if any, in a lump sum, and if there is no contingent Beneficiary, payment shall be made to the estate of the
Beneficiary in a lump sum. If a contingent Beneficiary receiving or entitled to receive payment from the Plan dies, payment shall be made to the estate of the contingent Beneficiary in a lump sum. 

Notwithstanding the above, a married Participant or Inactive Participant shall be deemed to have designated his spouse as his Beneficiary
unless the spouse of such Participant or Inactive Participant consents in writing to another named Beneficiary. The spouse’s consent must be witnessed by a Plan representative or a notary public and must acknowledge the effect of another
Beneficiary designation. Such consent shall not be required if it is established to the satisfaction of the Plan Administrator that the consent cannot be obtained because there is no spouse, the spouse cannot be located or such other circumstances
exist as the Secretary of the Treasury may prescribe by regulations. 
 Section 6.3. Payment of Death Benefits.
Notwithstanding any provision of the Plan to the contrary, any interest to which a designated Beneficiary is entitled will be paid (a) over a period not exceeding the later of the lifetime or life expectancy of the Beneficiary, provided such
payment commences within one year after the Participant’s or Inactive Participant’s death, or (b) in its entirety within five years after the Participant’s or Inactive Participant’s death. To the extent that an election
under the preceding sentence must be made for 2009, such election may instead be made in 2010. In addition, the five-year period shall be determined without regard to calendar year 2009. 

Notwithstanding the above, if the spouse of the Participant or Inactive Participant is the sole designated Beneficiary, the date on which the
distribution must take place shall not be earlier than the date on which the deceased Participant or Inactive Participant would have attained age 70 1⁄2;
provided, however, that if the surviving spouse dies before the distribution occurs, this Section shall apply as if the spouse were the Participant or Inactive Participant. The spouse may elect to have the distribution occur within the 90-day period
following the date of the Participant’s or Inactive Participant’s death. 

  
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 If the Participant’s or Inactive Participant’s designated Beneficiary or spouse, if
any, does not survive, or if a single Participant or Inactive Participant fails to name a Beneficiary, distribution will be made to the Participant’s or Inactive Participant’s estate within five years after the Participant’s or
Inactive Participant’s death. 
 Section 6.4. QDRO. For purposes of this Article 6, a former spouse will be treated
as the spouse to the extent provided under a QDRO and Section 13.1. 

  
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 Article 7. 

Vesting 

Section 7.1. Vesting. 

(a) Each Participant and Inactive Participant shall have a fully vested interest in his Employee Deferral Contribution Account,
Employer Matching Contribution Account, and Employee Rollover Contribution Account at all times. 
 (b) Each Participant and
Inactive Participant who was hired for the first time by the Employer prior to January 1, 2007, shall be fully vested in his Employer Discretionary Contribution Account upon completion of five Years of Service, attainment of Normal Retirement
Age while an Employee, disability retirement, or death while an Employee, and the Participant or Inactive Participant shall not be fully vested in such account before any such event. Prior to attaining full vesting in accordance with the preceding
sentence, a Participant or Inactive Participant shall be vested in the applicable percentage of his Employer Discretionary Contribution Account, as follows: 
  

			
	 Number of Years
of Service
	  	Percentage
	 less than 2
	  	0%
	 2
	  	20%
	 3
	  	40%
	 4
	  	60%
	 5
	  	100%

 (c) Each Participant or Inactive Participant hired for the first time by the Employer after
December 31, 2006, shall be fully vested in his Employer Discretionary Contribution Account upon completion of six Years of Service, attainment of Normal Retirement Age while an Employee, disability retirement, or death while an Employee, and
the Participant or Inactive Participant shall not be fully vested in such account before any such event. Prior to attaining full vesting in accordance with the preceding sentence, a Participant or Inactive Participant shall be vested in the
applicable percentage of his Employer Discretionary Contribution Account as follows: 
  

			
	 Number of Years
of Service
	  	Percentage
	 less than 2
	  	0%
	 2
	  	20%
	 3
	  	40%
	 4
	  	60%
	 5
	  	80%
	 6 or more
	  	100%


  
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 Section 7.2. Amendment of Vesting Schedule. No amendment to the Plan shall
have the effect of decreasing a Participant’s or Inactive Participant’s vested percentage, or eliminating an optional form of distribution, as of the later of the date the amendment is adopted or the date it becomes effective. If the
vesting schedule is amended, each Participant or Inactive Participant with at least three Years of Service may elect to have his vested percentage determined under the Plan prior to amendment during the 60-day period beginning on the latest of
(a) the date the amendment is adopted, (b) the date the amendment becomes effective, or (c) the date the Participant or Inactive Participant receives notice of the amendment from the Plan Administrator. With respect to each
Participant’s or Inactive Participant’s account balance as of the later of the adoption or effective date of the amendment, the vested percentage of the Participant or Inactive Participant will be the greater of the vested percentage under
the old vesting schedule or the vested percentage under the new vesting schedule. 
 Section 7.3. Forfeitures. If a
Participant’s or Inactive Participant’s Employer Discretionary Contribution Account is not vested, it will be forfeited as of the December 31 Adjustment Date of the Plan Year in which the Participant’s or Inactive
Participant’s fifth consecutive Break in Service occurs. The amount of any such forfeiture shall be deducted first from the Participant’s or Inactive Participant’s Cash Subaccount, and then from his Number of Shares Subaccount. All
forfeitures shall be reallocated to the Employer Discretionary Contribution Accounts of the remaining Participants as of such Adjustment Date as provided in Section 4.3. 

Section 7.4. Vesting upon Reemployment. If a former Employee, who at the time of a Break in Service had any vested interest
under the Plan, is rehired by an Employer or Related Employer, such rehired Employee’s Years of Service shall include all Years of Service before and after the Break in Service. If a former Employee, who at the time of a Break in Service had no
vested interest under the Plan, is rehired by an Employer or Related Employer, such rehired Employee’s Years of Service before the Break in Service shall be excluded if his number of consecutive Breaks in Service equals or exceeds five. 

  
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 Article 8. 

Distributions 

Section 8.1. Termination of Employment before Retirement. If a Participant or Inactive Participant terminates employment
with the Company and all Related Employers before he is eligible for a retirement benefit, and his vested interest in all his accounts exceeds $5,000, then his interest shall be held in the Trust until the earlier of the date he elects an early
retirement benefit according to Section 5.2 or reaches his Normal Retirement Date, unless he elects an earlier distribution as provided below. At that time, benefits will be paid as provided in Article 5. 

Section 8.2. Hardship Distributions. In case of hardship, a Participant may apply to the Committee for distribution of all
or a portion of his deferral contributions to his Employee Deferral Account. As used in this Section, a “hardship” will be deemed to exist if the distribution is necessary in light of immediate and heavy financial needs of the Participant
and funds to alleviate such financial needs are not reasonably available from other resources of the Participant. 
 A distribution will be
deemed to be made on account of an immediate and heavy financial need of the Participant only if the distribution is on account of: 

(a) Expenses for or necessary to obtain medical care that would be deductible by the Participant under Code
Section 213(d), for the Participant, the Participant’s spouse, or any dependent of the Participant (determined without regard to whether the expenses exceed 7.5% of adjusted gross income); 

(b) Costs directly related to the purchase of a principal residence for the Participant (excluding mortgage payments); 

(c) Payment of tuition, related educational fees, and room and board expenses for up to the next 12 months of post-secondary
education for the Participant or his spouse, children or dependents (as defined in Code Section 152, without regard to Code Section 152(b)(1), (b)(2), and (d)(1)(B)); 

(d) Payments necessary to prevent the eviction of the Participant from his principal residence or foreclosure on the mortgage
of the Participant’s principal residence; 
 (e) Payments for burial or funeral expenses for the Participant’s
deceased parent, spouse, children or dependents (as defined in Code Section 152, without regard to Code Section 152(d)(1)(B)); or 

(f) Expenses for the repair of damage to the Participant’s principal residence that would qualify for the casualty
deduction under Code Section 165 (determined without regard to whether the loss exceeds 10% of adjusted gross income). 

  
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 A distribution deemed to be necessary to satisfy an immediate and heavy financial need of a
Participant is not reasonably available from other resources of the Participant if all of the following requirements are satisfied: 

(1) The distribution is not in excess of the amount of the immediate and heavy financial need of the Participant. The amount of
an immediate and heavy financial need may include any amount necessary to pay any federal, state, or local income taxes or penalties reasonably anticipated to result from the distribution. 

(2) The Participant has obtained all other currently available distributions, (including distribution of ESOP dividends under
Code Section 404(k) but not hardship distributions), and all nontaxable (at the time of the loan) loans currently available under all plans maintained by the Employer or Related Employers. 

(3) The Participant shall be prohibited from making any contributions to the Plan for a period of six months after receipt of
the hardship distribution, and shall similarly be prohibited, under the terms of the applicable plan or an otherwise legally enforceable agreement, from making any contributions to all other plans (within the meaning of Treas. Reg.
Section 1.401(k)-1(d)(3)(iv)(F)) maintained by the Employer or Related Employers for a period of at least six months after receipt of the hardship distribution. 

If the Committee, based on the above standards, reasonably determines that a hardship exists or is imminent, it may direct the distribution of
hardship benefits. The hardship distribution shall be made in a lump sum payment and shall not cause a suspension of Employer contributions, unless otherwise required as a condition of receiving such distribution. 

The amount of any hardship distribution under this Section shall not exceed the amount as determined by the Committee to be sufficient to
alleviate the hardship. 
 The Committee shall apply the provisions of this Section on a uniform and consistent basis to all Participants in
similar circumstances and shall make any rules and regulations, prescribe the use of such forms, and exercise any other powers it deems necessary properly to carry out the provision and intent of this Section. 

Section 8.3. Distributions Prior to Termination of Employment. A Participant or Inactive Participant who has reached age 59 1⁄2 may elect to receive all or any part of his vested account balance without regard to whether he has terminated employment. 

Section 8.4. QDRO Distributions. Notwithstanding anything above, a Participant’s or Inactive Participant’s
interest in his accounts may be paid out immediately to an alternate payee under a QDRO pursuant to Section 13.1. 

Section 8.5. Small Payments. Subject to Section 5.6, if a Participant’s or Inactive Participant’s vested
interest in all his accounts does not exceed $5,000, then his interest shall be paid to him in a lump sum as soon as administratively feasible after his employment with the Company and all Related Employers terminates. 

  
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 If a terminated Participant’s or Inactive Participant’s vested interest exceeds $5,000,
he may request a distribution to be paid in accordance with Section 5.4 as soon as administratively feasible after his employment terminates. 

The value of a Participant’s or Inactive Participant’s vested account balance for purposes of determining whether such value exceeds
$5,000 shall be calculated without regard to the portion of his vested account balance attributable to his Employee Rollover Contribution Account. 

  
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 Article 9. 

Accounts 

Section 9.1. Committee Responsibility. The Committee shall determine the Participants, Inactive Participants, and
Beneficiaries who are entitled to one or more of the allocations hereinafter described, and it shall, as of each Adjustment Date, prepare a statement showing the information necessary to make the proper allocation. This information shall include the
full names of all Participants, Inactive Participants, and Beneficiaries, the amount of Employer Matching Contributions and Employer Discretionary Contributions, the amount of each Participant’s deferral and rollover contributions, and the
names of the Inactive Participants whose employment has terminated. 
 The Committee shall maintain for each Participant and Inactive
Participant a separate Employee Deferral Account to record his interest in the Trust Fund attributable to his deferrals, a separate Employer Matching Contribution Account to record his interest in the Trust Fund attributable to Employer Matching
Contributions, a separate Employer Discretionary Contribution Account to record his interest in the Trust Fund attributable to Employer Discretionary Contributions, and a separate Employee Rollover Contribution Account to record his interest in the
Trust Fund attributable to Employee rollover contributions. 
 The accounts of each Participant and Inactive Participant shall be made up of
subaccounts reflecting his investment elections. Each subaccount shall be adjusted as provided in Section 9.3. 

Section 9.2. Investment Elections. Each Participant and Inactive Participant shall elect the manner in which his deferral
contributions, Employer Matching Contributions, and rollover contributions, as well as his Employee Deferral Account, Employer Matching Contribution Account, and Employee Rollover Contribution Account, are to be invested. Investment elections shall
be made in one percent increments according to uniform procedures established by the Company. 
 The Company shall, from time to time,
designate the investment funds available for investments pursuant to this Section. 
 Section 9.3. Account Adjustments.
The accounts of each Participant, Inactive Participant, and Beneficiary shall be valued based on the value or number of shares of each Fund comprising such accounts. The fair market value of each Fund shall be determined each Adjustment Date. When a
Participant’s accounts are credited with an allocation of any Employee elective deferrals, Employer contributions, and rollover contributions in accordance with the terms of the Plan, the value of such allocation shall be used to purchase units
or shares and added to such Participant’s accounts. When any distribution, withdrawal, or transfer among Funds is charged against the accounts of a Participant, Inactive Participant, or Beneficiary in accordance with the terms of the Plan, the
number of units or shares equal in value to the amount paid from such accounts shall be deducted from the outstanding units or shares. 

  
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 Section 9.4. Limitation on Annual Additions. Notwithstanding the foregoing,
and except as provided in Section 4.1 and Code Section 414(v), annual additions to each Participant’s accounts under all defined contribution plans sponsored by the Company and any Related Employer for any Limitation Year shall not
exceed the lesser of the dollar limit under Code Section 415(c)(1)(A), as adjusted to reflect any cost of living increases pursuant to Code Section 415(d) (e.g., $52,000 for the Plan Year beginning January 1, 2014), or 100 percent of
the Participant’s Compensation (as defined below) for such Limitation Year; provided, however, that if no more than one-third of the Employer Discretionary Contributions for a Plan Year that are deductible under Code Section 404(a)(9) are
allocated to Highly Compensated Employees, such limits shall not apply to forfeitures of Employer Stock acquired with the proceeds of a loan pursuant to Article 16 or Employer Discretionary Contributions that are deductible under Code
Section 404(a)(9)(B) and charged against a Participant’s account. If the annual additions to a Participant’s accounts nevertheless exceeds the amount that may be applied for the Participant’s benefit under the limitations
described in the preceding sentence, the limitations shall be satisfied using any appropriate correction method provided under the Internal Revenue Service Employee Plans Compliance Resolution System, or any successor program, as described in the
Preamble to the final regulations under Section 415 of the Code issued on April 4, 2007. 
 Compensation, for purposes of this
Section, shall mean a Participant’s earned income, wages, salaries, fees for professional services, and other amounts received (without regard to whether or not an amount is paid in cash) for personal services actually rendered in the course of
employment with the Employer and (solely for purposes of Code Section 415) Related Employers to the extent that the amounts are includable in gross income (including, but not limited to, commissions paid salesmen, compensation for services on
the basis of a percentage of profits, commissions on insurance premiums, tips, bonuses, fringe benefits, reimbursements, and expense allowances), and excluding the following: 

(a) Company or Related Employer contributions to a plan of deferred compensation which are not included in the Employee’s
gross income for the taxable year in which contributed or contributions by the Company or Related Employer under a simplified employee pension plan to the extent such contributions are deductible by the Employee, or any distributions from a plan of
deferred compensation; 
 (b) Amounts realized from the exercise of a nonqualified stock option, or when restricted stock (or
property) held by the Employee either becomes freely transferable or is no longer subject to a substantial risk of forfeiture; 

(c) Amounts realized from the sale, exchange, or other disposition of stock acquired under a qualified stock option; 

(d) Other amounts which received special tax benefits, or contributions made by the Company or Related Employer (whether or not
under a salary reduction agreement) towards the purchase of an annuity described in Code Section 403(b) (whether or not the amounts are actually excludable from the gross income of the Employee). 

  
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 For purposes of applying the limitations of this Section, Compensation paid or made available
during such Limitation Year shall include any elective deferral (as defined in Code Section 402(g)(3)), and any amount which is contributed or deferred by the Employer at the election of the Employee and which is not includible in the gross
income of the Employee by reason of Code Sections 125, 132(f), or 457. 
 Compensation for any Limitation Year is the Compensation actually
paid or includable in gross income during such year. Compensation for a Limitation Year shall also include Compensation paid by the later of two and one-half
(2 1⁄2) months after a Participant’s severance from employment with the Company and all Related Employers or the end of the Limitation Year that
includes the date of the Participant’s severance from employment, if: 
 (a) the payment is regular compensation for
services during the Participant’s regular working hours, or compensation for services outside the Participant’s regular working hours (such as overtime or shift differential), commissions, bonuses, or other similar payments, and, absent a
severance from employment, the payments would have been paid to the Participant while he continued in employment; 
 (b) the
payment is for unused accrued bona fide sick, vacation, or other leave that the Participant would have been able to use if employment had continued; or 

(c) the payment is received by the Participant pursuant to a nonqualified unfunded deferred compensation plan and would have
been paid at the same time if employment had continued, but only to the extent includible in the Participant’s gross income. 

Notwithstanding the preceding paragraph, Compensation shall also include payments to an individual who does not currently perform services for
the Company or any Related Employer by reason of qualified military service (within the meaning of Code Section 414(u)(1)) to the extent these payments do not exceed the amounts the individual would have received if the individual had continued
to perform services for the Company or any Related Employer rather than entering qualified military service. 
 Any payments not described
in the preceding two paragraphs shall not be considered Compensation for purposes of this Article if paid after severance from employment with the Company and all Related Employers. 

Back pay, within the meaning of Treas. Reg. Section 1.415(c)-2(g)(8), shall be treated as Compensation for the Limitation Year to which
the back pay relates to the extent the back pay represents wages and compensation that would otherwise be included under this definition. 

Compensation for any Limitation Year shall not include any amounts that exceed the compensation limit under Code Section 401(a)(17) that
applies to that Limitation Year. 
 Annual additions shall mean the aggregate of Employer contributions, Employee elective deferrals,
forfeitures, and the Participant’s voluntary contributions allocated to each Participant’s account during the Limitation Year (excluding any catch-up contributions, rollover contributions, loan repayments, and other amounts excluded as
annual additions in accordance with Code 

  
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Section 415 and Treasury regulations thereunder), and forfeitures allocated to each Participant’s accounts under the Plan and any other plan that is required to be aggregated with the
Plan under Code Section 415 during the Limitation Year in question. Annual additions shall also include amounts allocated, after March 31, 1984, to an individual medical account, as defined in Code Section 415(l)(2), which is part of
a pension or annuity plan maintained by the Company or any Related Employer, and amounts derived from contributions paid or accrued after December 31, 1985, in taxable years ending after such date, which are attributable to post-retirement medical benefits allocated to the separate account of a “key employee,” as defined in Code Section 419A(d)(3), under a welfare benefit fund, as defined in Code Section 419(e),
maintained by the Company or any Related Employer. 
 Section 9.5. Loans to Eligible Participants, Inactive Participants, and
Beneficiaries. 
 (a) At the request of a Participant, Inactive Participant, or Beneficiary to whom loans must be made
available under U.S. Department of Labor regulations, the Committee, in its sole discretion, may lend such individual an amount which, when added to the individual’s outstanding loans from this Plan and any other plan maintained by this
Employer or a Related Employer, is not in excess of the lesser of: 
 (1) $50,000, reduced by the excess (if any) of: 

(A) The highest outstanding balance of loans from the Plan during the one-year period ending on the day before the date on
which such loan was made, over 
 (B) The outstanding balance of loans from the Plan on the date on which such loan was
made, or 
 (2) 50 percent of his vested interest in his account balances as of the Adjustment Date coinciding with or
immediately preceding the date of the loan. 
 In no event, however, shall a loan be made to an individual if the granting of
such loan would cause the Plan to violate the nondiscrimination requirements of Code Section 401(a)(4). All decisions by the Committee on loan applications shall be made on a reasonably equivalent, uniform, and nondiscriminatory basis. However,
the Committee may apply different terms and conditions for eligible borrowers who are not actively employed by the Employer, or for whom payroll deduction is not available, and the Committee may change the terms of an outstanding loan to the extent
required by applicable law. 
 (b) All loans made pursuant to paragraph (a) above must be in accordance with the
following loan procedures: 
 (1) Responsible Party. The Committee shall be responsible for all loans made under the
Plan. The Committee may, however, establish a loan committee to assist the Committee in administering the loan program. 

  
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 (2) Loan Application. An application for a loan shall be made to the
Committee’s representative in a form approved by the Committee. 
 (3) Amount of Loan. The minimum loan amount
shall be $1,000. The maximum loan amount shall be governed by this Section. 
 (4) Interest Rate. Each loan shall bear
interest at a reasonable rate established by the Committee as of the date the loan is made. Such rate must be commensurate with the interest rates charged by persons in the business of lending money for loans that would be made under similar
circumstances. 
 (5) Term of Loan. Except as otherwise provided below, the term of any loan shall be set by mutual
agreement between the Committee and the borrower, but such term shall in no event exceed five years. Notwithstanding the above, the term of any loan used to acquire a principal residence of the borrower may exceed five years, but shall in no event
exceed ten years. 
 (6) Collateral. Each loan shall be made against collateral, such collateral being the assignment
of up to 50 percent of the borrower’s entire right, title, and vested interest in and to his Employee Deferral Account, Employer Matching Contribution Account, and Employee Rollover Contribution Account supported by the borrower’s
promissory note for the amount of the loan, including interest, payable to the order of the Trustee. For loans used to acquire a principal residence of the borrower, additional collateral in the form of a mortgage against the principal residence in
question may be required. 
 (7) Loan Repayment. Repayment of loans shall be made in equal quarterly, monthly,
semi-monthly, or weekly installments by payroll deduction, cash, or both as specified in the loan agreement. Substantially level amortization (with payments not less frequently than quarterly) is required over the term of the loan. A borrower who is
on an unpaid leave of absence must continue to make loan repayments. 
 (8) Number of Loans. A borrower may have only
two loans outstanding at any one time. A borrower may receive more than one loan per year. 
 (9) Effect on Plan
Assets. In the event of a loan, the amount of such loan shall be removed first from the borrower’s Employee Deferral Account, and then from his Employer Matching Contribution and Employee Rollover Contribution Account, and transferred to a
special loan account in the name of the borrower. As of each Adjustment Date following the making of the loan and until the loan is repaid, all payments on the loan, including interest, shall be reallocated from the borrower’s loan account to
the accounts specified in the preceding sentence in the same order of removal in accordance with the borrower’s investment election in effect at that time. 

  
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 (10) Default. In the event payments of principal and interest are not made
on a timely basis, the Committee may either call the loan in full or charge a late penalty fee at such rate as the Committee shall establish from time to time. If a loan is called due to a default in payment of principal and interest, the
outstanding balance of the loan plus interest will be deducted from the borrower’s loan account at the time the borrower or his Beneficiary receives a distribution from the Plan. 

(11) Loan Acceleration. All loans which a borrower has outstanding will be immediately due and payable if the borrower
terminates employment. At that time, the current outstanding balance of such loans, including interest, will be deducted from his loan account. 

(12) Loan Origination Fee. Each borrower shall be assessed a loan origination fee in such amount as the Committee shall
determine which shall be collected at the time the loan is made. 
 (13) Modification of Loan Procedures. The
Committee may from time to time add to, delete, or otherwise modify these loan procedures in such manner as the Committee deems appropriate. 

  
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 Article 10. 

Top-Heavy Plan Provisions 

Section 10.1. Determination Date. If, as of the Determination Date, the Plan is a
Top-Heavy Plan, as defined in Section 10.2, the provisions of this Article 10 shall apply. 

The Determination Date with respect to any Plan Year shall be the last day of the preceding Plan Year. 

Section 10.2. Top-Heavy Plan. 

(a) The Plan shall be considered a Top-Heavy Plan if, as of the Determination Date, either: 

(1) the aggregate of all account balances of Key Employees under the Plan exceeds 60 percent of the sum of all accounts of all
Employees under the Plan excluding former Key Employees; or 
 (2) the Plan is part of a Top-Heavy Group, as defined in
Section 10.5. 
 Notwithstanding anything in this paragraph (a) to the contrary, if the Plan is part of an
aggregation group, as defined in Section 10.5, that is found not to be Top-Heavy, then the Plan shall not be a Top-Heavy Plan. 

(b) When determining whether the Top-Heavy rules apply for any Plan Year: 

(1) Rollover contributions initiated by an Employee and accepted by the Plan after December 31, 1983, will not be
recognized with respect to the Plan if such contributions came from a plan not maintained by the Employer or a Related Employer. 

(2) Any account balances for an Employee who is not currently a Key Employee, but at one time was a Key Employee, shall not be
recognized for the Plan Year ending on the Determination Date. 
 (3) The account balances for an Employee shall include
aggregate distributions made with respect to such Employee under the Plan during the 1-year period ending on the Determination Date, except for the distributions made to former Key Employees excluded above,
and distributions rolled over to a plan maintained by the Employer or a Related Employer. The preceding sentence shall also apply to distributions under a terminated plan which, had it not been terminated, would have been aggregated with the Plan
under Code Section 416(g)(2)(A)(i). In the case of a distribution made for a reason other than severance from employment, death, or disability, this provision shall be applied by substituting “5-year period” for “1-year
period.” 

  
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 (4) If an individual has not performed any services for the Employer or Related
Employer at any time during the 1-year period ending on the Determination Date, any accrued benefit or account balance for such individual shall not be taken into account. 

Section 10.3. Key Employee. “Key Employee” shall mean any Employee or former Employee (including any deceased
Employee) who at any time during the Plan Year that includes the Determination Date was an officer of the Employer or Related Employer having annual Compensation greater than the dollar limit under Code Section 416(i)(1)(A)(i), as adjusted
under Code Section 416(i)(1) (e.g., $170,000 for the Plan Year beginning January 1, 2014); a 5-percent owner of the Employer or Related Employer; or a 1-percent owner of the Employer or Related
Employer having annual Compensation of more than $150,000. For this purpose, annual Compensation means Compensation within the meaning of Code Section 415(c)(3). 

For purposes of this Section, “Employee” shall mean any Employee of the Employer or any employee of a Related Employer if the Plan
is part of a Top-Heavy Group with the plan of a Related Employer. “Key Employee” shall include any Beneficiary of a Key Employee, and former Key Employee shall include any Beneficiary of a former Key Employee. 

For purposes of this Section, the constructive ownership rules of Code Section 318 shall be applied by substituting “5 percent”
for “50 percent” in Code Section 318(a)(2). 
 For purposes of determining 1 percent and 5 percent ownership, the aggregation
rules of Code Section 414(b), (c), and (m) shall not apply. 
 Notwithstanding anything above, the criteria used in the
determination of Key Employees shall be consistent with Code Section 416(i) and the applicable regulations and other guidance of general applicability issued thereunder. 

Section 10.4. Non-Key Employee shall mean any Employee who is not a Key Employee. 

Section 10.5. Top-Heavy Group. 

(a) “Top-Heavy Group” shall mean an aggregation group where the sum, as of the Determination Date, of 

(1) the present value of the cumulative accrued benefits for Key Employees under any defined benefit plan included in the
group, and 
 (2) the account balances of Key Employees under any defined contribution plan included in the group, 

exceeds 60 percent of the same amount determined for all Employees, excluding former Key Employees, under all plans included in the group. If
the Determination Date for each plan in the aggregation group is not the same, then the top-heavy status of the group will be determined by adding the results for each separate plan that fall within the same calendar year. All plans maintained by
the Company and Related Employers (including plans that have terminated) during the 5-year period ending on a Determination Date must be considered in determining the Top-Heavy Group as of that Determination Date. 

  
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 (b) The aggregation group must include: 

(1) any plan of the Employer or a Related Employer in which a Key Employee is a participant, and 

(2) any plan of the Employer or a Related Employer on which a plan covering a Key Employee depends for qualification under the
requirements of Code Section 401(a)(4) or 410. 
 At the election of the Company, the aggregation group also may include
any plan of the Employer or a Related Employer not required to be included in an aggregation group if such group would continue to meet the qualification requirements of Code Sections 401(a)(4) and 410. If such aggregation group is found not to be
Top-Heavy, then no plan shall be considered Top-Heavy. If such aggregation group is found to be Top-Heavy, then all plans in the group, except the plan which was not required to be included, will be considered Top-Heavy. 

Section 10.6. Minimum Contributions and Benefits for Top-Heavy Plans. If the Plan is or becomes a Top-Heavy Plan, then,
notwithstanding the provisions of Articles 4 and 9, and except as provided in the next paragraph of this Section, the minimum Employer contribution for each Plan Year during which the Plan is a Top-Heavy Plan allocated to each Participant employed
by the Employer on the last day of the Plan Year who is a Non-Key Employee shall be three percent of each such Non-Key Employee’s Compensation. The minimum Employer contribution shall be provided to each such Participant regardless of the
number of Hours of Service he completes during the Plan Year. 
 This minimum Employer contribution shall not exceed the percentage of
contribution made, or required to be made, for such Plan Year on behalf of the Key Employee for whom such percentage is the highest. The highest percentage shall be determined for each Key Employee by dividing the Employer contribution for such Key
Employee by his Compensation. 
 For the purposes of this Section, amounts contributed as a result of a salary reduction agreement shall be
counted as Employer contributions when determining contributions made on behalf of Key Employees. 
 Employer Matching Contributions shall
be taken into account for purposes of satisfying the minimum contribution requirements of Code Section 416(c)(2) and the Plan. 

Section 10.7. Top-Heavy Compensation. “Top-Heavy Compensation” shall mean compensation as defined in Code
Section 415(c)(3). 
 Section 10.8. Top-Heavy Year of Service. Top-Heavy Year of Service shall mean a Year of
Service excluding Plan Years in which the Plan was not a Top-Heavy Plan and further excluding Years of Service completed in a Plan Year beginning before January 1, 1984. 

  
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 Section 10.9. Top-Heavy Group Minimum Contribution. In the case of a Top-Heavy
Group consisting of both defined benefit and defined contribution plans, the required minimum Employer contribution for each Top-Heavy Plan Year shall be satisfied by the two percent minimum benefit under the defined benefit plan of the Employer or
Related Employer, or a minimum contribution to this Plan equal to five percent of Compensation if the minimum two percent benefit under the defined benefit plan is not provided. 

The required minimum accrued benefit or Employer contribution for each Top-Heavy Year of Service for Employees who do not participate in this
Plan but who participate in another plan of the Top-Heavy Group shall be satisfied by providing the minimum accrued benefit or contribution under that plan. 

If the Employer or Related Employer maintains another qualified plan which provides a minimum benefit or contribution, then the minimum
benefit or contribution provided under the Plan shall not, when combined with the benefit or contribution provided by the other plan, exceed the amount required by Code Section 416(c). 

Section 10.10. Top-Heavy Minimum Vesting. If the Plan is or becomes a Top-Heavy Plan, then, notwithstanding the provisions
of Article 7, a Participant’s or Inactive Participant’s Employer Discretionary Contribution Account shall be 100 percent vested after three Years of Service. 

Years of Service for the purposes of vesting in a Top-Heavy Plan shall include all Years of Service, including years prior to January 1,
1984, as well as years during which the Plan is not considered to be a Top-Heavy Plan. When the Plan becomes a Top-Heavy Plan, however, the account balance of any Employee who does not complete one Hour of Service after the Plan becomes Top-Heavy
shall not be subject to the minimum vesting schedule for Top-Heavy Plans. 
 When the Plan ceases to
be a Top-Heavy Plan, the vesting schedule shall revert to the schedule specified in Article 7. Such reversion shall be considered a vesting schedule amendment that is subject to the provisions of Section 7.2. 

  
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 Article 11. 

Administration by Committee 

Section 11.1. Membership of Committee. The administrative Committee shall consist of not less than three or more than seven
individuals who shall be appointed by the Board to serve at the pleasure of the Board. Any member of the Committee may resign, and his successor, if any, shall be appointed by the Board. The Committee shall be responsible for the general
administration and interpretation of the Plan and for carrying out its provisions, except to the extent all or any of such obligations are specifically imposed on the Trustee or the Board. The Committee shall constitute a named fiduciary under the
Plan. 
 Section 11.2. Committee Officers; Subcommittees. The members of the Committee shall elect a Chairman and may
elect an acting Chairman. They shall also elect a Secretary and may elect an acting Secretary, either of whom may but need not be a member of the Committee. The Committee may appoint from its membership such subcommittees with such powers as the
Committee shall determine and may authorize one or more of its members or any agent to execute or deliver any instrument or to make any payment in behalf of the Committee. 

Section 11.3. Committee Meetings. The Committee shall hold such meetings upon such notice, at such places and at such
intervals as it from time to time may determine. Notice of meetings shall not be required if notice is waived in writing by all members of the Committee in office at the time or if all such members are present at the meeting. 

Section 11.4. Transaction of Business. A majority of the members of the Committee in office at the time shall constitute a
quorum for the transaction of business. All resolutions or other actions taken by the Committee at any meeting shall be by vote of a majority of those present and entitled to vote. Resolutions may be adopted or other action taken without a meeting
upon written consent thereto signed by all members of the Committee. 
 Section 11.5. Committee Records. The Committee
shall maintain full and complete records of its deliberations and decisions. Its records shall contain all relevant data pertaining to individual Participants, Inactive Participants, and Beneficiaries and their rights under the Plan and in the Fund.

 Section 11.6. Establishment of Rules. Subject to the limitations of the Plan and the Act, the Committee from time to
time may establish rules and by-laws for the administration of the Plan and the transaction of its business. 
 Section 11.7.
Conflicts of Interest. No individual member of the Committee shall have any right to vote or decide upon any matter relating solely to himself or to any of his rights or benefits under the Plan (except that such member may sign unanimous
written consent to resolutions adopted or other action taken without a meeting). 
 Section 11.8. Authority to Interpret.
The Committee shall have the duty and complete discretionary authority to interpret and construe the provisions of the Plan and to decide any dispute which may arise regarding the rights of Participants, Inactive Participants, and Beneficiaries
thereunder, which determinations shall apply uniformly to all persons similarly situated and shall be binding and conclusive upon all interested persons. 

  
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 Section 11.9. Third Party Advisors. The Committee may engage an attorney,
accountant, or any other technical advisor to perform such duties as may be required in connection with the operation of the Plan and may employ such clerical and related personnel as the Committee shall deem requisite or desirable in carrying out
the provisions of the Plan. 
 Section 11.10. Compensation of Members. No fee or compensation shall be paid to any member
of the Committee for his services as such. 
 Section 11.11. Plan Expenses. The Committee shall be entitled to authorize
payment out of the Trust Fund for its reasonable expenses properly and actually incurred in the performance of its duties in the administration of the Plan, including the expenses of third party advisors and any expenses incurred in the daily
administration of the Plan. Reasonable Plan expenses may be assessed directly against the accounts of Participants and Inactive Participants who have terminated employment with the Company and all Related Employers. 

  
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 Article 12. 

Allocation of Responsibilities among Named 

Fiduciaries, Management of Funds, and 

Amendment or Termination of Plan 

Section 12.1. Allocation of Responsibilities. The responsibilities allocated to the named fiduciaries are as follows: 

(a) Board: 

(1) to amend the Plan; 

(2) to appoint and remove members of the Committee; 

(3) to appoint and remove Trustees under the Plan; 

(4) to determine the amount to be contributed to the Plan by the Employer; and 

(5) to terminate the Plan. 

(b) Committee: 

(1) to interpret the provisions of the Plan and determine the rights of Participants, Inactive Participants, and Beneficiaries;

 (2) to administer the Plan in accordance with its terms, except to the extent powers to administer the Plan are
specifically delegated to another named fiduciary or other person or persons as provided in the Plan; 
 (3) to account for
the accounts of Participants and Inactive Participants; and 
 (4) to direct the Trustee in the distribution of Trust assets.

 (c) Plan Administrator: 

(1) to file such reports as may be required to the U.S. Department of Labor, the Internal Revenue Service, and any other
government agency to which reports may be required to be submitted from time to time; 
 (2) to comply with the requirements
of the law for disclosure of Plan provisions and other information relating to the Plan to Participants, Inactive Participants, Beneficiaries, and any other interested parties; 

(3) to administer the claims procedure, as provided in Article 15; 

  
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 (4) to direct the Trustee to withhold from distributions made pursuant to this
Plan those amounts required by law; and 
 (5) to direct the Trustee to make any reports to Participants, Inactive
Participants, Beneficiaries, and any other interested parties as may be required by the Act, Code, or other controlling law, rules, or regulations. 

(d) Trustee: 

(1) to invest and reinvest Trust assets; 

(2) to make distributions to Participants, Inactive Participants, and Beneficiaries as directed by the Committee; 

(3) to render annual accountings to the Employer as provided in the Trust Agreement; and 

(4) otherwise to hold, administer, and control the assets of the Trust as provided in the Plan and Trust Agreement. 

Section 12.2. Co-fiduciary Liability. Except as otherwise provided in the Act, a named fiduciary shall not be responsible
or liable for acts or omissions of another named fiduciary with respect to fiduciary responsibilities allocated to such other named fiduciary, and a named fiduciary shall be responsible and liable only for its own acts or omissions with respect to
fiduciary duties specifically allocated to it and designated as its responsibility. 
 Section 12.3. Fiduciary Duties.
All assets of the Plan shall be held in a Trust forming part of the Plan, which Trust shall be administered as a Fund to provide for the payment of benefits as provided in the Plan to the Participants, Inactive Participants, Beneficiaries, and their
successors in interest out of the income and principal of the Trust. All fiduciaries (as defined in the Act) with respect to the Plan shall discharge their duties as such solely in the interest of the Participants, Inactive Participants,
Beneficiaries, and their successors in interest and (a) for the exclusive purposes of providing benefits to Participants, Inactive Participants, Beneficiaries, and their successors in interest and defraying reasonable expenses of administering
the Plan, including the Trust which is a part of the Plan, (b) with the care, skill, prudence, and diligence under the circumstances then prevailing that a prudent person acting in a like capacity and familiar with such matters would use in the
conduct of an enterprise of like character and with like aims, and (c) in accordance with the terms of the Plan and Trust Agreement, except to the extent such documents may be inconsistent with the Act. The assets of the Plan shall never inure
to the benefit of the Employer or any Related Employer; provided, however, that forfeitures may be used to reduce Employer contributions. 

Employer contributions are expressly conditioned on their deductibility under Code Section 404. To the extent permitted by the Code and
the Act, contributions in excess of the deductible amount and contributions made by mistake of fact may be returned to the Employer within one year after the date the deduction is disallowed or the date made due to mistake of fact, whichever is
applicable. In either case, such returned contributions shall not be increased by earnings of the Trust and shall not be decreased by any losses. 

  
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 Section 12.4. Establishment of Trust. The Company and the Trustee shall enter
into an appropriate Trust Agreement, which shall be a part of the Plan, for the administration of the Trust under the Plan. Such Agreement shall contain such powers and reservations as to investment, reinvestment, control, and disbursement of the
funds of the Trust, and such other provisions as shall be agreed upon and set forth therein which are not inconsistent with the provisions of the Plan, its nature, and purposes and the Act. Such Trust Agreement shall provide that the Board may
remove the Trustee at any time upon reasonable notice, that the Trustee may resign at any time upon reasonable notice, and that the Board shall designate a successor Trustee upon such removal or resignation. 

Section 12.5. Committee Instructions. All requests, directions, requisitions, and instructions of the Committee to the
Trustee shall be in writing signed by the Secretary of the Committee or any member of the Committee authorized by the majority to sign. 

Section 12.6. Right to Amend or Terminate. The Company hereby reserves the right, by action of the Board, to amend or
terminate the Plan and Trust or Trust Agreement at any time; provided, however, that no such amendment or termination shall have the effect of diverting the Trust Fund to purposes other than for the exclusive benefit of the Participants, Inactive
Participants, Beneficiaries, and their successors in interest. Any action taken by the Board to amend or terminate the Plan shall be taken as action on behalf of the Company as the sponsor of the Plan and not as a fiduciary of the Plan. 

Section 12.7. Fiduciary Discretion. In discharging the duties assigned to them under the Plan, the Trustee, Plan
Administrator, Committee, and any other fiduciary shall have the duty and discretionary authority to adopt, amend, and rescind rules and regulations pertaining to their respective duties under the Plan; and to make all other determinations,
including factual determinations, necessary or advisable for the discharge of their duties under the Plan. Such discretionary authority shall be absolute and exclusive and shall be exercised in a uniform and nondiscriminatory manner with respect to
all similarly situated individuals. The express grant in the Plan of any specific power to a fiduciary with respect to any duty assigned to it under the Plan shall not be construed as limiting any power or authority of the fiduciary to discharge its
duties. 
 Section 12.8. Trust Expenses. All real and personal property taxes, income taxes, and other taxes of any and
all kinds whatsoever upon or in respect of the Trust or any money, income, or property forming a part thereof, and all expenses actually and properly incurred in the administration of the Trust, shall be paid by the Trustee out of principal or
income of the Trust, as the Trustee shall determine; provided, however, that the Company may, in the discretion of the Board, pay any of the expenses incurred in the administration of the Trust. The payment out of the Trust of any taxes and expenses
authorized in this Section, and the payment of all other costs, expenses, or compensation authorized by the Plan to be paid out of the Trust, shall be deemed to be for the exclusive benefit of Participants, Inactive Participants, and Beneficiaries.


  
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 Article 13. 

Miscellaneous 

Section 13.1. Alienation of Benefits. No portion of the account balance with respect to any Participant or Inactive
Participant shall be subject in any manner to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance, or charge, except in the case of a QDRO, or a judgment or settlement described in Code Section 401(a)(13)(C). Any attempt
to anticipate, alienate, sell, transfer, assign, pledge, encumber, or charge the same shall be void, and no portion of such account balance shall in any manner be payable to any assignee, receiver, or trustee in bankruptcy or be liable for such
person’s debts, contracts, liabilities, engagements, or torts, or be subject to any legal process to levy upon or attach,. No QDRO shall permit the payment of any benefit in any amount, form of benefit, time of payment, or option not otherwise
provided under the Plan; provided, however, that, to the extent provided in Code Section 414(p), benefits may be paid to an alternate payee before the Participant or Inactive Participant has separated from service on or after his earliest
retirement age as if he had retired on the date payment is to begin under such QDRO in any form in which benefits may be paid to the Participant or Inactive Participant. 

Section 13.2. Payment in Event of Incapacity. If any person entitled to any payment under the Plan shall be physically,
mentally, or legally incapable of receiving or acknowledging receipt of such payment, upon receipt of satisfactory evidence of his incapacity and satisfactory evidence that another person or institution is maintaining him and no guardian or
committee has been appointed for him, the Committee may cause any payment otherwise payable to him to be made to such person or institution so maintaining him. 

Section 13.3. Rights of Parties. The establishment of the Plan shall not be construed as conferring any legal or other
rights upon any Employee or any other person for continuation of employment, nor shall it interfere with the right of the Employer to discharge any Employee or to deal with him without regard to the effect thereof under the Plan. 

Section 13.4. Communication to Employees. The Plan Administrator shall communicate the terms of the Plan to Employees as
required by law. 

  
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 Article 14. 

Termination of Plan and Trust, 

Merger or Consolidation of Plan 

Section 14.1. Termination of Plan and Trust. If there is a termination, partial termination, or complete discontinuance of
contributions to the Plan, all affected Participants’ and Inactive Participants’ accounts shall be fully vested and thereafter not subject to forfeiture. The assets shall remain in trust and shall be paid to the Participants, Inactive
Participants, Beneficiaries, or other successors in interest upon the earliest event providing for distribution under the Plan. Distributions shall be made in the manner allowed in the Plan for that particular event. 

Section 14.2. Merger or Consolidation. If the Plan is merged or consolidated with any other plan, or assets or liabilities
of the Plan are transferred to any other plan, the amount which each Participant and Inactive Participant in the Plan would receive if the Plan were terminated immediately after the merger, consolidation, or transfer shall be equal to or greater
than the amount he would have been entitled to receive immediately preceding the merger, consolidation, or transfer if the Plan had then terminated. 

  
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 Article 15. 

Claims Procedure 

Section 15.1. Claims and Appeals. 

(a) Claims. Claims for benefits under the Plan made by a Participant, Inactive Participant, or Beneficiary (a
“claimant”) must be submitted in writing to the Plan Administrator on the forms provided therefor. Approved claims will be processed and instructions issued to the Trustee authorizing payments as claimed. 

If a claim is denied in whole or in part, or there is any other Adverse Benefit Determination, the Plan Administrator shall
notify the claimant of its decision by written notice, or via electronic means that satisfies the requirements of U.S. Department of Labor Regulation Section 2520.104b-1(c)(1)(i), (iii), and (iv), in a
manner reasonably calculated to be understood by the claimant. The notice shall set forth: 
 (1) the specific reason or
reasons for the Adverse Benefit Determination; 
 (2) the reference to the specific Plan provisions on which the Adverse
Benefit Determination is based; 
 (3) a description of any additional material or information necessary to perfect the
claim, and an explanation of why such material or information is necessary; and 
 (4) an explanation of the Plan’s
claim review procedure and the time limits applicable to such procedure, including a statement of the claimant’s right to bring a civil action under Section 502(a) of the Act following an Adverse Benefit Determination on review. 

Such notification shall be given within 90 days after the claim is received by the Plan Administrator (or within 180 days,
if special circumstances require an extension of time for processing the claim and written notice of such extension and circumstances is given to the claimant within the initial 90-day period). 

(b) Appeals. Upon denial of a claim or other Adverse Benefit Determination, a claimant shall have the right to submit a
written request for a full and fair review of the Adverse Benefit Determination, to be permitted (upon request and free of charge) reasonable access to and copies of all documents, records, and other information relevant to the claim, and to submit
written comments, documents, records, and other information relating to the claim. A request for review of a claim must be submitted to the Plan Administrator within 60 days after receipt by the claimant of the written notice of the Adverse Benefit
Determination. 
 The Plan Administrator shall conduct a full and fair review of the entire claim taking into account all
comments, documents, records, and other information submitted by the claimant relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. 

  
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 The Plan Administrator will advise the claimant of the results of the review
within 60 days after receipt of the written request for review, or within 120 days if special circumstances require an extension of time for processing the request, such as an election by the Plan Administrator to hold a hearing, and if written
notice of such extension and circumstances is given to such claimant within the initial 60-day period. If the period for reviewing the appeal is extended because of the failure to submit information needed to decide the claim, the extension period
within which the Plan Administrator must make a determination shall be put on hold until the date on which the claimant responds to the request for additional information. 

The claimant shall be notified in writing of the decision on review, or via electronic means that satisfies the requirements of
U.S. Department of Labor Section 2520.104b-1(c)(1)(i), (iii), and (iv). In the case of an Adverse Benefit Determination on review, the notice shall set forth: 

(1) the specific reason or reasons for the Adverse Benefit Determination; 

(2) the reference to the specific Plan provisions on which the Adverse Benefit Determination is based; 

(3) a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of,
all documents, records, and other information relevant to the claim; and 
 (4) a statement of the claimant’s right to
bring a civil action under Section 502(a) of the Act. 
 (c) General Rules. The decision of the Plan
Administrator on review shall be final and binding upon any and all claimants and any other individuals making a claim through or under them. 

A failure to file a claim and an appeal in the manner and within the time limits set forth herein shall be deemed a failure by
the aggrieved party to exhaust his administrative remedies and shall constitute a waiver of the rights or benefits sought to be established under the Plan. No lawsuit or other proceeding may be commenced by a claimant with respect to any claim under
the Plan after one (1) year following a final decision on such appeal. 
 This Section shall be interpreted in accordance with
Section 503 of the Act and regulations thereunder. 

  
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 (d) Special Definitions. The following definition applies for purposes of
this Section: 
 (1) “Adverse Benefit Determination” means a denial, reduction, or termination of, or a failure to
provide or make payment (in whole or in part) for, a benefit. 
 Section 15.2 Fiduciary Discretion. In its administration
of the claims procedure, the Committee, as a fiduciary, shall have the complete discretionary authority and responsibility to interpret and apply the provisions of the Plan and any rules or regulations thereunder, and to make determinations and
findings of fact. 
 Section 15.3. Action by Authorized Representative of Claimant. All actions set forth in this Article
to be taken by the claimant likewise may be taken by a representative of the claimant duly authorized by him to act in his behalf on such matters. The Plan Administrator and/or Committee may require such evidence as they reasonably may deem
necessary or advisable of any such representative’s authority to act. 

  
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 Article 16. 

Provisions Regarding Employer Stock 

Section 16.1. Powers of Trustee. The Trustee shall have all powers and authority necessary for the performance of its
duties, including those powers designated in the Trust Agreement and in the Plan. Such powers shall include the power to borrow to purchase Employer Stock as provided in this Article 16. 

Section 16.2. Investments in Employer Stock. 

(a) It is intended that the assets of the Plan attributable to Employer Discretionary Contributions made pursuant to
Section 4.3 shall be invested primarily in shares of Employer Stock that constitutes a “qualifying employer security” within the meaning of Code Section 4975(e)(8), which incorporates by reference the provisions of Code
Section 409(l), which contains special requirements regarding voting power and dividend rights of Employer Stock that is not Readily Tradable. It is recognized that Employer Stock may be available for purchase only from time to time, and the
assets of the Plan may be invested in other assets in accordance with the Trust Agreement when Employer Stock is not readily available for purchase, even though the long-range intention is to invest primarily
in Employer Stock. 
 (b) Accordingly, Employer Discretionary Contributions made pursuant to Section 4.3 in cash and
earnings attributable to such Employer contributions may be applied at the direction of the Committee to purchase Employer Stock at not more than its fair market value from any source available at the time. Also, from time to time the Committee may
direct the Trustee to sell Employer Stock and make other investments as provided in the Plan; provided, however, that any sale of Employer Stock shall be for at least fair market value and shall comply with any applicable requirements regarding
prohibited transactions under the Act. All investments will be made by the Trustee in accordance with the provisions of the Trust Agreement. 

(c) Except as provided in Sections 16.11 and 16.13 or as otherwise required by applicable law, no security acquired with the
proceeds of an exempt loan may be subject to a put, call, or other option, or buy-sell or similar arrangement, while held by and when distributed from the Plan, whether or not the Plan is then an ESOP. The protections and rights provided to
Participants and Beneficiaries in the preceding sentence and in Section 16.13 with respect to Employer Stock shall be nonterminable only as and to the extent required by Treas. Reg. Section 54.4975-11(a)(3)(i) and (ii). 

Section 16.3. Borrowing. The Committee may direct the Trustee to borrow funds for the purpose of acquiring Employer Stock.
The Trustee may borrow from a lender and then acquire Employer Stock from a third party or may give a note to an owner of Employer Stock in partial or full payment for such Employer Stock. As used hereinafter, the term “loan agreement”
shall include any such agreement with a third-party lender or any such note given to such an owner. In directing borrowing, the Committee shall not authorize a total indebtedness in any Plan Year if the repayment schedule for such indebtedness would
require principal payments in excess of 

  
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the amount that would be deductible under Code Section 404(a)(9). Any loan agreement shall be subject to the following conditions: 

(a) The loan must be at a reasonable rate of interest; provided, however, that if the Trustee borrows from its own banking
department, the interest rate and all other terms and conditions of the loan shall be subject to the approval of the Committee. 

(b) The only interest in Plan assets which may be given as security for repayment of indebtedness under such agreement shall be
a beneficial interest in specific shares of Employer Stock acquired with the proceeds of the loan extended thereunder or with the proceeds of a pre-existing loan repaid with the monies loaned under the agreement. Such beneficial interest is
hereinafter sometimes referred to as “collateral.” 
 (c) The only rights against the Plan which may be given to a
lender under a loan agreement shall be to receive repayment under such agreement out of (1) Employer Discretionary Contributions to the Plan in any form other than stock, and (2) collateral given to secure repayment of such loan. 

(d) A loan agreement shall provide that the loan shall not be payable upon demand except in case of default, and that in the
event of default the value of Plan assets transferred to the lender shall not exceed the amount of the default (there shall be no penalties). If the lender is the banking department of the Trustee, such a transfer of assets shall be made to the
lender only to the extent of the failure of the Plan to meet the payment schedule of the loan. 
 (e) Except to the extent
that the conditions of paragraph (f) are satisfied and the Committee directs that its provisions be followed to the extent permissible, a loan agreement shall provide for the release from collateral of Employer Stock purchased with loan
proceeds upon each payment of principal and interest on such loan. The number of shares to be released as a result of loan payments during a Plan Year shall be equal to the total number of shares then held as security multiplied by a fraction, the
numerator of which shall be the amount of principal and interest paid with respect to such Plan Year, and the denominator of which shall be the sum of the numerator plus the principal and interest to be paid during the remaining term of the loan.
The remaining term must be definitely ascertainable and must be determined without taking into account any possible extension or renewal period. If the interest rate under the loan is variable, the interest to be paid in future years must be
computed by using the interest rate applicable as of the end of the Plan Year. If collateral includes more than one class of securities, the number of securities of each class to be released for a Plan Year must be determined by applying the same
fraction to each class. 
 (f) In lieu of the provisions contained in paragraph (e), a loan agreement may provide for the
release from collateral of stock purchased with loan proceeds solely with reference to principal payments. However, if release is determined with reference to principal payments only, the following three additional rules shall apply: First, the loan
agreement must provide for annual payments of principal and interest at a cumulative rate that is not less rapid at any time than level annual payment of such amounts for ten years; 

  
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second, interest included in any payment is disregarded only to the extent that it would be determined to be interest under standard loan amortization tables; and third, this paragraph
(f) is not applicable from the time that, by reason of a renewal, extension or refinancing, the sum of the expired duration of the exempt loan, the renewal period, the extension period and the duration of a new exempt loan exceeds ten years.
During any period of time when this paragraph (f) is applicable in determining the amount of Employer Stock released from collateral, the number of shares to be released upon each such repayment of principal shall be equal to the total number
of shares then held as security multiplied by a fraction the numerator of which shall be the amount of principal repaid, and the denominator of which shall be the principal outstanding as of the date of such repayment. 

(g) A loan agreement shall provide that the Company will guarantee repayment of principal and accrued interest on such loan,
but that no payments shall be made by the Company to the lender pursuant to such guarantee until all stock held by the Trust as security for repayment of the loan has been sold by the Trustee and the proceeds of such sale or sales have been paid to
the lender in satisfaction of the indebtedness under such loan. 
 (h) A loan agreement shall permit loan repayments (without
restriction) in amounts larger than the minimum annual installment, and the amount of any such repayment shall reduce the principal indebtedness under the loan. 

Section 16.4. Mechanics of Borrowing and Release of Stock from Suspense Accounts. Upon direction from the Committee and
pursuant to a loan agreement with a third-party lender meeting the requirements of Section 16.3, the Trustee shall accept the proceeds of a loan and apply such proceeds as soon as possible to the purchase of Employer Stock or to repay a
previous loan used to purchase Employer Stock. Likewise, if a loan agreement meeting the requirements of Section 16.3 is made directly with the owner of the Employer Stock being acquired, the Trustee shall accept the acquired Employer Stock and
hold any portion thereof acquired with borrowed funds in accordance with this Section and any other applicable provision of the Plan. 
 The
Trustee shall total all purchases of Employer Stock made with the proceeds from a single loan agreement and hold such shares in a separate suspense account. The Trustee shall assign a cost basis to each share placed in a suspense account equal to
the average cost of all such shares. If the number of shares held in a suspense account changes due to a stock split or stock dividend, then the cost basis assigned to all shares held in such account immediately before such split or dividend shall
be divided among all shares held in such account immediately after such split or dividend. 
 The Trustee shall keep a separate accounting
of each loan. The obligation of the Company to make contributions sufficient to repay each loan shall be ascertained as of the end of each Plan Year by adding together the minimum payments required upon each loan. The minimum required payment on
each such loan (including interest and principal) shall be taken by the Trustee from each Employer Discretionary Contribution and allocated to repayment of such loan. The excess, if any, of the Employer contribution above the minimum payments
required on each loan shall then be applied as a reduction of principal against the balance outstanding upon the loan bearing the highest rate of interest. 

  
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 The Trustee shall account for each loan in such a manner that the portion of any Employer
contribution above the minimum which is applied against the principal balance outstanding under the loan shall reduce the term of such loan, and such loan shall not be deemed to have been refinanced with lesser required payments over the remainder
of its original term. Once a loan agreement has been entered into between the Trustee and a lender, the term of such loan may not be extended by subsequent agreement. 

Whenever payments are made on an outstanding loan (other than by payment out of the proceeds of sale of collateral), the Trustee shall
withdraw from the suspense account identified to such loan an appropriate number of shares of stock as determined under Section 16.3(e) or 16.3(f), as applicable. Shares of stock withdrawn from a suspense account during a Plan Year shall be
allocated to the accounts of Participants in proportion to the Compensation of Participants entitled to share in such allocation in the same manner as Employer Discretionary Contributions are allocated for such Plan Year in accordance with
Section 4.3. “Qualifying employer securities” within the meaning of Code Section 4975(e)(8) will be forfeited only after other assets as required under Treas. Reg. Section 54.4975-11(d)(4). 

Section 16.5. Agreements to Purchase. The Trustee shall have the power at any time to enter into a legally binding
agreement to purchase Employer Stock from any person or entity. The purchase price set forth in any such agreement shall be the fair market value of such Stock at the time of the purchase. 

Section 16.6. Dividends. Any securities received by the Trustee as a stock split or dividend, or as a result of a
reorganization or other recapitalization of the Company, shall be allocated in the same manner as the Employer Stock to which it is attributable is then allocated, as more specifically provided in Section 16.9. Notwithstanding anything in this
Plan to the contrary, each Participant or Inactive Participant may elect to receive any cash dividends attributed to Employer Stock allocated to his accounts under the ESOP portion of this Plan directly from the Company or to have such dividends
invested in Employer Stock as soon as practicable after they are paid to the Plan. Such elections shall be made in writing during the month of December each year. Such elections shall remain in effect for future years unless revoked or changed in
writing during a subsequent December election period. If a Participant or Inactive Participant fails to make an election, such cash dividends will be invested in Employer Stock as soon as practical after they are paid to the Plan. 

Dividends that are received in cash and are attributable to Employer Stock held in a suspense account pursuant to Sections 16.3 and 16.4 shall
be used to repay the loan the proceeds of which were used to acquire such Employer Stock. 
 Section 16.7. Voting of
Stock. 
 (a) If the Company does not have a registration-type class of securities, within the meaning of Code
Section 409(e), then all Employer Stock held by the Trustee shall be voted by the Trustee in its discretion, except that each Participant or Inactive Participant 

  
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shall be entitled to direct the voting of the shares allocated to his account on all matters that involve the voting of such shares with respect to the approval or disapproval of any corporate
merger, consolidation, recapitalization, reclassification, liquidation, dissolution, sale of substantially all assets of a trade or business, or such similar transaction as the Secretary of the Treasury may prescribe in regulations. 

(b) If the Company has a registration-type class of securities, within the meaning of Code Section 409(e), then
Participants and Inactive Participants shall be entitled to direct the voting of the shares allocated to their accounts on all matters at each stockholders’ meeting. If any Participant or Inactive Participant does not exercise his right to
direct such voting, then the Trustee, in its sole discretion, shall vote the shares allocated to such Participant or Inactive Participant. Likewise, the Trustee, in its sole discretion, shall vote any unallocated shares of Employer Stock, including
shares purchased with borrowed funds and still held in a suspense account. 
 (c) The Trustee shall be responsible for giving
notice and delivering a form of proxy to each Participant and Inactive Participant for each stockholders’ meeting at which Participants and Inactive Participants are entitled to direct voting of the shares held in their accounts in accordance
with the preceding paragraphs (a) and (b). The form of proxy shall give instructions to the Trustee as to how the Participant or Inactive Participant wishes his allocated shares of Employer Stock voted on such matters. The Trustee shall vote
all such shares of Employer Stock in accordance with the Participant’s or Inactive Participant’s instructions. The proxies shall be revocable in writing or by attendance at such meeting by the Participant or Inactive Participant. 

Section 16.8. Response to Tender Offer or Proposed Merger or Acquisition. 

(a) As soon as practicable after receipt of any information regarding a tender offer for Employer Stock or information
regarding a proposed merger or acquisition pursuant to which holders of Employer Stock would have certain exercisable rights in addition to the voting rights described in Section 16.7, the Trustee shall notify each Participant or Inactive
Participant who has Employer Stock allocated to his account of the terms of such tender offer or proposed merger or acquisition and any rights exercisable in connection therewith in addition to any voting rights if a stockholders’ meeting will
consider such matters. The notice shall include a form of instructions to the Trustee that may be completed by a Participant or Inactive Participant to give instructions to the Trustee as to how the Participant or Inactive Participant wishes any
such rights (other than voting rights, which are governed by the preceding Section 16.7) to be exercised regarding his allocated shares of Employer Stock. 

(b) A Participant or Inactive Participant shall be entitled to direct the Trustee regarding the exercise of any rights with
regard to shares of Employer Stock allocated to his account in connection with any tender offer or proposed merger or acquisition by responding and completing the letter of instructions to the Trustee within the time fixed by the Trustee in the
notice provided to the Participant or Inactive Participant. Any such instructions to the Trustee may be revoked in writing if such revocation is received by the Trustee before the rights are exercised in accordance with the prior instructions. The
Trustee shall exercise such rights regarding such shares of Employer Stock in accordance with such instructions. 

  
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 (c) If a Participant or Inactive Participant does not exercise his right to
direct the Trustee regarding the exercise of such rights, then the Trustee, in its sole discretion, shall exercise or fail to exercise such rights (other than voting rights governed by Section 16.7) with regard to the shares allocated to the
Participant’s or Inactive Participant’s account with regard to such tender offer or proposed merger or acquisition. Likewise, the Trustee, in its sole discretion, shall exercise or fail to exercise such rights with regard to any
unallocated shares of Employer Stock, including shares purchased with borrowed funds and still held in a suspense account. 

Section 16.9. Distribution in Employer Stock. A Participant or Inactive Participant shall have the right to request that
any distribution of his account balance attributable to Employer Stock to which he may be entitled under the Plan shall be entirely in Employer Stock (except that cash shall be distributed in lieu of any fractional share). The Committee and Trustee
shall ensure that any such request is complied with insofar as possible by purchasing additional Employer Stock, if available, or reallocating shares of Employer Stock in other accounts to the extent necessary. Any shares purchased in accordance
with this Section shall be charged against the Participant’s or Inactive Participant’s account based on the purchase price (including any transaction costs), and any shares reallocated from other accounts shall be charged against the
Participant’s or Inactive Participant’s account based on the closing price of the Employer Stock on the last trading date preceding the date of such reallocation. 

If the Participant or Inactive Participant elects, with spouse consent, if applicable, distribution of his account balance attributable to
Employer Stock shall begin no later than one year after the close of the Plan Year (a) in which the Participant or Inactive Participant separates from service after his Normal Retirement Age, disability, or death, or (b) that is the fifth
Plan Year following the Plan Year in which the Participant or Inactive Participant otherwise separates from service, provided he is not reemployed by the Employer or a Related Employer before such distribution. Unless the Participant or Inactive
Participant elects otherwise, his account balance attributable to Employer Stock will be distributed not less frequently than annually in substantially equal periodic payments over a period not longer than (1) five years, or (2) in the
case of a Participant or Inactive Participant with such an account balance in excess of $800,000, five years plus one additional year for each $160,000 or fraction thereof by which such account balance exceeds $800,000. The dollar amounts specified
in the preceding sentence shall be adjusted for cost-of-living increases, in accordance with Code Section 409(o)(2). 

Section 16.10. Purchases and Sales of Employer Stock. All purchases of Employer Stock shall be made at prices that, in the
judgment of the Committee, do not exceed the fair market value of such stock. All sales of Employer Stock shall be made at prices that, in the judgment of the Committee, are not less than the fair market value of such stock. Fair market value shall
be determined by the Committee in good faith in accordance with the Plan and any applicable provisions of the Act. The Committee shall direct the Trustee when to buy or sell Employer Stock and at what price, and the Trustee shall have no duty to
question the directions of the Committee in this respect or to advise the Committee regarding the purchase, retention or sale of Employer Stock; provided, however, that the Committee shall not direct the Trustee to act otherwise than in accordance
with the Plan and Trust Agreement and any applicable provisions of the Act, including any applicable rules regarding prohibited transactions. 

  
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 Notwithstanding the above, valuations of Employer Stock that is not Readily Tradable shall be
made by an independent appraiser who meets requirements similar to those of the regulations prescribed under Code Section 170(a)(1). 

If shares of Employer Stock are sold to the Plan by a shareholder in a transaction for which special tax treatment is elected by such
shareholder pursuant to Code Section 1042 (if applicable), no portion of the assets of the Plan attributable to (or allocable in lieu of) Employer Stock acquired by the Plan in such sale shall accrue (or be allocated directly or indirectly
under any Code Section 401(a) plan of the Employer) for the benefit of persons specified in Code Section 409(n) during the nonallocation period specified in Code Section 409(n). 

Section 16.11. Restrictions on Employer Stock. Shares of Employer Stock distributed by the Trustee pursuant to Article 16
that are not Readily Tradable shall be restricted by a right of first refusal. Such right shall provide that prior to the subsequent transfer by a Participant, Inactive Participant or Beneficiary, the shares first must be offered to the Trustee in
writing, and if refused by the Trustee, then to the Company. In no event shall the Trustee or Company repurchase such shares for a price less than the greater of (a) the price offered to the Participant, Inactive Participant, or Beneficiary by
a prospective buyer making a bona fide cash offer, or (b) the then fair market value of such shares. The Trustee or the Company, as the case may be, may accept the offer at any time during a period not exceeding 14 days after receipt of the
written offer, and the right of first refusal shall lapse if not exercised within such 14-day period. Shares of Employer Stock distributed by the Trustee pursuant to Article 16 may include such legend restrictions on transferability as may be
necessary to preserve the right of first refusal or as the Company reasonably may require in order to assure compliance with applicable federal and state securities laws. Except as otherwise provided in this Section and Section 16.14, no
Employer Stock acquired with a loan pursuant to Section 16.3 shall be subject to a put, call, or other option, or a buy-sell or similar arrangement, while held by and when distributed from the Plan, whether or not the Plan is then an employee
stock ownership plan. 
 Section 16.12. Registration of Employer Stock. If the Committee directs the Trustee to dispose
of any Employer Stock under circumstances which require registration and/or qualification of the securities under applicable federal or state securities laws, then the Company, at its expense, will take, or cause to be taken, any and all such
actions as may be necessary or appropriate to effect such registration and/or qualification. 
 Section 16.13. Put
Option. 
 (a) Except as otherwise provided in paragraph (c), a Participant, Inactive Participant, or Beneficiary who
receives shares of Employer Stock shall have the right to require the Company to purchase such shares at any time within 16 months after the date such shares were distributed to the Participant, Inactive Participant, or Beneficiary (the “put
option”). In computing such 16-month period, any period of time during which the put option is not exercisable because the Company is prohibited from honoring it by applicable federal or state law shall
be excluded. Written notice of intent to exercise the 

  
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put option must be delivered to the Committee before the expiration of the 16-month period. If both the Trustee and Company agree, the Trustee may purchase the Employer Stock. The purchase price
shall be the fair market value of the Employer Stock as of the date the written notice of intent to exercise the put option is delivered to the Committee. The Company or the Trustee, as the case may be, shall pay the purchase price in a lump sum
within 90 days from the receipt of such written notice; provided, however, that with the consent of the Participant, Inactive Participant, or Beneficiary, the purchase price may be paid over a period of not more than five years in such manner and
upon such terms and conditions as agreed to by the parties; provided further, however, that payments shall begin no later than 30 days after the exercise of the put option. 

(b) The terms of the put option shall meet the requirements of, and shall be granted in accordance with, Code
Section 409(h) and all applicable Treasury regulations. Specifically, the put option shall provide that for a period of at least 60 days following the date of distribution of Employer Stock and, if not exercised within such 60-day period, during the first 60 days in the following Plan Year, the distributee shall have the right to have the Company purchase such shares at their fair market value, determined in accordance with Treas.
Reg. Section 54.4975-11(d)(5), as of the Adjustment Date coincident with or immediately preceding the date of exercise of such put option. The put option may be exercised by notifying the Employer in writing that the option is being exercised.

 (c) The provisions of the foregoing paragraph (a) shall not be applicable, and no put option shall exist, with regard
to shares of Employer Stock distributed under the Plan if such Employer Stock was Readily Tradable and not subject to a trading limitation when it was distributed. For purposes of this paragraph (c), a “trading limitation” on a security is
a restriction under any federal or state securities law, any regulation thereunder, or an agreement not prohibited by applicable regulations that would make the security not as freely tradable as one not subject to such restriction. Furthermore, if
the Company is a bank, as defined in Code Section 581, which is prohibited by law from redeeming or purchasing Employer Stock, then the provisions of paragraph (a) shall not apply if the Participant, Inactive Participant, or Beneficiary
who received shares of Employer Stock had a right to receive the distribution in cash. 
 Section 16.14. Diversification of
Investments. Each Qualified Participant may direct the Trustee as to the investment of the value of the Qualified Participant’s account balance attributable to Employer Stock within 90 days after the last day of each Plan Year during the
Qualified Participant’s Qualified Election Period. 
 For purposes of this Section, “Qualified Participant” shall mean a
Participant who has attained age 55 and completed at least ten years of participation in the Plan. “Qualified Election Period” shall mean the six Plan Year period beginning with the later of (a) the first Plan Year in which the
Participant first became a Qualified Participant, or (b) the first Plan Year beginning after December 31, 1986. 
 The Qualified
Participant’s direction shall be provided to the Plan Administrator in writing and shall specify the amount the Qualified Participant wishes to diversify. The Plan shall 

  
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allow the Qualified Participant to invest the amount subject to the diversification election in one or more of the investment Funds provided for in Section 9.2. Implementation of the
Qualified Participant’s investment election shall take place within 90 days after the last day of the period during which the election may be made. This Section shall apply notwithstanding any other provision of the Plan other than
Section 5.6. 
 Notwithstanding any provision of this Article to the contrary, each Participant who has completed at least three Years
of Service, each alternative payee under a QDRO with an amount under the Plan with respect to a Participant who has completed at least three Years of Service, and each Beneficiary of a deceased Participant may elect to divest the portion of his
Employer Discretionary Contribution Account attributable to Employer Stock and reinvest such amount in one or more of the investment funds provided for in Section 9.2. Such divesture and reinvestment election shall be made in accordance with
the general timing rules of Section 9.2. For purposes of this paragraph, a Participant completes three Years of Service on the last day of the Plan Year that constitutes the completion of the third Year of Service. 

Notwithstanding the foregoing, with respect to Employer Stock allocated to a Participant’s or Inactive Participant’s Employer
Discretionary Contribution Account prior to January 1, 2007, a Participant or Inactive Participant, other than a Participant or Inactive Participant who has attained age 55 and completed at least three Years of Service, shall be permitted to
diversify only 33% of such Employer Stock for 2007, 66% for 2008, and 100% for 2009 and all subsequent Plan Years. 
 To the extent required
for compliance with Code Section 401(a)(28)(C), all valuations of Employer Stock acquired by the Trust after December 31, 1986, while such Employer Stock is not Readily Tradable shall be made by an independent appraiser. For this purpose,
the term “independent appraiser” means any appraiser meeting requirements similar to the requirements of Treasury regulations prescribed under Code Section 170(a)(1). 

  
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 Article 17. 

Special Vesting Rules 

for Participant Accounts from Merged Plans 

Section 17.1. Vesting for former Commercial Bancshares Participants. Notwithstanding anything in this Plan to the contrary,
all Participants and Inactive Participants who were participants in the Commercial Bancshares, Inc. Employee Stock Ownership Plan (the “Commercial Plan”) as of December 31, 1998, and had at least three Years of Service as of
December 31, 1998, shall have their vested interest in their former accounts under the Commercial Plan Commercial Accounts attributable to employer discretionary contributions determined under the following vesting schedule: 

 

			
	 Years of Service
	  	Vesting Percentage
	 Less than 2
	  	0%
	 2
	  	20%
	 3
	  	40%
	 4
	  	60%
	 5 or more
	  	100%

 Notwithstanding the foregoing, a Participant’s or Inactive Participant’s vested interest in his
Commercial Accounts attributable to employer discretionary contributions shall not be less at any time on or after January 1, 1999, then his vested percentage as of December 31, 1998, as determined under the terms of the Commercial Plan.

 Section 17.2 Vesting for former Heritage Bank Participants. Notwithstanding anything in this Plan to the contrary, all
Participants and Inactive Participants who were participants in The Heritage Bank of Harrison County 401(k) Plan (the “Heritage Plan”) Plan as of June 30, 1999, and had at least three Years of Service as of June 30, 1999, shall
have their vested interest in their former accounts under the Heritage Plan attributable to employer discretionary contributions determined under the following vesting schedule: 

 

			
	 Years of Service
	  	Vesting Percentage
	 1
	  	20%
	 2
	  	40%
	 3
	  	60%
	 4
	  	80%
	 5 or more
	  	100%

 Notwithstanding the foregoing, a Participant’s or Inactive Participant’s vested interest in his
former account under the Heritage Plan attributable to employer discretionary contributions shall not be less at any time on or after July 1, 1999, then his vested percentage as of June 30, 1999, as determined under the terms of the
Heritage Plan. 

  
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 Section 17.3. Vesting for Former American Bancorporation Participants.
Notwithstanding anything in this Plan to the contrary, all Participants and Inactive Participants who were participants in the American Bancorporation Plan as of December 31, 2002, and had at least three Years of Service as of the
December 31, 2002, shall have their vested interest in their American Bancorporation Accounts attributable to employer discretionary contributions determined under the following vesting schedule: 

 

			
	 Years of Service
	  	Vesting Percentage
	 Less than 2
	  	0%
	 2
	  	25%
	 3
	  	50%
	 4
	  	75%
	 5 or more
	  	100%

 Notwithstanding the foregoing, a Participant’s or Inactive Participant’s vested interest in his
American Bancorporation Accounts attributed to employer discretionary contributions shall not be less at any time on or after January 1, 2003, than his vested percentage as of December 31, 2002, as determined under the terms of the
American Bancorporation Plan. 

  
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 Article 18. 

Merger of Oak Hill Financial, Inc. 401(k) and Profit Sharing Plan 

Section 18.1. Plan Merger. Effective May 1, 2008 (the “Merger Effective Date”), the Oak Hill Financial, Inc.
401(k) and Profit Sharing Plan (the “Oak Hill 401(k) Plan”) is merged with and into this Plan. The Plan shall, as of the Merger Effective Date, assume all obligations of the Oak Hill 401(k) Plan and be responsible for payment of all vested
account balances under the terms and provisions of the Oak Hill 401(k) Plan for (a) participants in the Oak Hill 401(k) Plan immediately prior to the Merger Effective Date, and (b) former participants and beneficiaries with vested account
balances under the Oak Hill 401(k) Plan immediately prior to the Merger Effective Date. Such participants and beneficiaries shall, as of the Merger Effective Date, automatically become Participants and Beneficiaries under this Plan. The Plan shall
provide for payment of benefits with the assets transferred to the Trust accompanying the Plan as set forth in Section 18.2 herein. 

Section 18.2. Transfer of Plan Assets. Effective as of the Merger Effective Date, the assets of the Oak Hill 401(k) Plan,
which are held by the trustee of the trust accompanying the Oak Hill 401(k) Plan, shall become assets of the Plan, and shall be transferred to the Trustee as soon as administratively feasible following the Merger Effective Date, which such assets
shall be held by the Trustee under the provisions of the Plan and its accompanying Trust for the exclusive benefit of Participants and Beneficiaries under the post-merger Plan, as provided under the terms and provisions hereof. Any unallocated
forfeitures that are transferred to the Plan from the Oak Hill 401(k) Plan shall be used to reduce Employer contributions on behalf of any Participant in the Plan. 

Section 18.3. Code Section 401(a)(12) Requirements. As required by Code Section 401(a)(12), each Participant
shall (as if the Plan then terminated) receive a benefit immediately after the merger and transfer contemplated under Section 18.2, which is equal to or greater than the benefit he would have been entitled to receive immediately before such
transfer and merger (as if either the Oak Hill 401(k) Plan or the Plan had then terminated.) 
 Section 18.4. Segregation of
Transferred Accounts. Amounts transferred to the Plan pursuant to Section 18.2 above shall be segregated and accounted for separately for recordkeeping purposes. Such amounts shall be maintained in separate sub-accounts based on their
original contribution source and shall be referred to collectively as “Oak Hill 401(k) Plan Accounts.” Except as otherwise provided in this Article, these Oak Hill 401(k) Plan Accounts shall be treated in the same manner as all other
accounts maintained under the Plan. 
 Section 18.5. Vesting. For purposes of Section 2.46, all Participants and
Inactive Participants who were participants in the Oak Hill 401(k) Savings Plan shall receive credit for their Years of Service for vesting credited to the Participant or Inactive Participant as of April 30, 2008, under the terms of the Oak
Hill 401(k) Plan. 
 All Participants and Inactive Participants who were participants in the Oak Hill 401(k) Plan as of April 30, 2008,
shall be fully vested as of the Merger Effective Date in their Oak Hill 401(k) Plan Accounts attributable to employer matching contributions. All such Participants and 

  
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Inactive Participants as of the Merger Effective Date shall have their vested interest in their Oak Hill 401(k) Plan Accounts attributable to employer discretionary contributions determined in
accordance with Section 7.1(c). However, a Participant or Inactive Participant who was a participant in the Oak Hill Plan and who incurs a disability within the meaning of section 2.21 of the Oak Hill 401(k) Plan while actively employed by the
Employer that would not constitute a permanent disability within the meaning of Section 5.3 of this Plan shall be fully vested in his Oak Hill 401(k) Plan Account attributable to employer discretionary contributions. 

Notwithstanding the foregoing, a Participant’s or Inactive Participant’s vested interest in his Oak Hill 401(k) Plan Account
attributable to employer discretionary contributions shall not be less at any time on or after May 1, 2008, than his vested percentage as of April 30, 2008, as determined under the terms of the Oak Hill 401(k) Plan. 

Section 18.6. Pre-Retirement Distribution. Notwithstanding any other provisions of this Plan, once during each Plan Year, a
Participant or Inactive Participant, by giving written notice to the Plan Administrator, may elect to receive all or any part of his Oak Hill 401(k) Plan Accounts attributable to rollover contributions made prior to May 1, 2008, without regard
to whether the Participant or Inactive Participant has terminated employment. 

  
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 Article 19. 

Service Credit for Former AmTrust Employees 

Notwithstanding anything in this Plan to the contrary, an individual who was formerly employed by AmTrust and who becomes an Employee of the
Employer on March 28, 2009 (“Former AmTrust Employee”), as a result of the purchase of certain branches of AmTrust by the Employer, shall receive credit for his prior service with AmTrust such that his date of employment with AmTrust
shall be treated as his Date of Employment with the Employer for eligibility and vesting purposes under this Plan. For purposes of Article 3, if such Former AmTrust Employee would have become a Participant in this Plan prior to March 28, 2009,
based on his Date of Employment as modified in accordance with the preceding sentence, such Former AmTrust Employee shall become a Participant on March 28, 2009. 

  
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 Article 20. 

Service Credit for Former Fidelity Bancorp Employees 

Notwithstanding anything in this Plan to the contrary, an individual who was formerly employed by Fidelity Bancorp, Inc. (“FB”) and
who becomes an Employee of the Employer on December 1, 2012 (“Former FB Employee”), as a result of the merger of FB with and into WesBanco, Inc., shall receive credit for his prior service with FB such that his date of employment with
FB shall be treated as his Date of Employment with the Employer for eligibility and vesting purposes under this Plan. For purposes of Article 3, if such Former FB Employee would have become a Participant in this Plan prior to December 1, 2012,
based on his Date of Employment as modified in accordance with the preceding sentence, such Former FB Employee shall become a Participant on December 1, 2012. 

  
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 Signature Page 

IN WITNESS WHEREOF, this instrument is, by the authority of the Board of Directors of the Company, executed on behalf of the Company on this
30 day of January, 2014. 
  

	
	WesBanco, Inc.
	
	 /s/ Anthony Pietranton

	Authorized Officer


  

	
	ATTEST
	
	/s/ Linda M. Woodfin
	  
 Secretary



  
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