Document:

Greater Bay Bancorp 401(k) Plan Adoption Agreement

 Exhibit 10.1 
  
 GREATER BAY BANCORP 401(K) PLAN 

 ADOPTION AGREEMENT #005
 NONSTANDARDIZED 401(k) PROFIT SHARING PLAN 
  
 The undersigned, Greater Bay Bancorp (“Employer”), by executing this Adoption Agreement, elects to establish a retirement plan and trust (“Plan”) under the Wells Fargo Bank, N.A. Defined
Contribution Master Plan (basic plan document # 01 ). The Employer, subject to the Employer’s Adoption Agreement elections, adopts fully the Prototype Plan and Trust provisions. This Adoption Agreement, the basic plan document
and any attached appendices or addenda, constitute the Employer’s entire plan and trust document. All section references within this Adoption Agreement are Adoption Agreement section references unless the Adoption Agreement or the context
indicate otherwise. All article references are basic plan document and Adoption Agreement references as applicable. Numbers in parenthesis which follow headings are references to basic plan document sections. The Employer makes the following
elections granted under the corresponding provisions of the basic plan document. 
  
 ARTICLE I 
 DEFINITIONS 
  
 1. PLAN (1.21). The name of the Plan as adopted by the Employer is Greater Bay Bancorp 401(k) Plan. 
  
 2. TRUSTEE (1.33). The Trustee executing this Adoption Agreement is:
(Choose one of (a), (b) or (c)) 
  

	 ̈	(a) A discretionary Trustee. See Plan Section 10.03[A]. 

  

	x	(b) A nondiscretionary Trustee. See Plan Section 10.03[B]. 

  

	 ̈	(c) A Trustee under a separate trust agreement. See Plan Section 10.03[G]. 

  
 3. EMPLOYEE (1.11). The following Employees are not eligible to participate in the Plan: (Choose (a) or one or more of
(b) through (g) as applicable) 
  

	 ̈	(a) No exclusions. 

  

	 ̈	(b) Collective bargaining Employees. 

  

	 ̈	(c) Nonresident aliens. 

  

	x	(d) Leased Employees. 

  

	x	(e) Reclassified Employees. 

  

	 ̈	(f) Classifications:             . 

  

	 ̈	(g) Exclusions by types of contributions. The following classification(s) of Employees are not eligible for the specified contributions: 

 
 Employee classification:
                     
 Contribution type:                      
  
 4. COMPENSATION (1.07). The Employer makes the following election(s)
regarding the definition of Compensation for purposes of the contribution allocation formula under Article III: (Choose one of (a), (b) or (c)) 
  

	 ̈	(a) W-2 wages increased by Elective Contributions. 

  

	 ̈	(b) Code §3401(a) federal income tax withholding wages increased by Elective Contributions. 

  

	x	(c) 415 compensation. 

  
 [Note: Each of the Compensation definitions in (a), (b) and (c) includes Elective Contributions. See Plan Section 1.07(D). To exclude Elective
Contributions, the Employer must elect (g).] 
  
 Compensation taken into
account. For the Plan Year in which an Employee first becomes a Participant, the Plan Administrator will determine the allocation of Employer contributions (excluding deferral contributions) by taking into account: (Choose one of (d) or
(e)) 
  

	x	(d) Plan Year. The Employee’s Compensation for the entire Plan Year. 

  
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	 ̈	(e) Compensation while a Participant. The Employee’s Compensation only for the portion of the Plan Year in which the Employee actually is a Participant.

  
 Modifications to Compensation definition. The Employer
elects to modify the Compensation definition elected in (a), (b) or (c) as follows. (Choose one or more of (f) through (n) as applicable. If the Employer elects to allocate its nonelective contribution under Plan
Section 3.04 using permitted disparity, (i), (j), (k) and (l) do not apply): 
  

	x	(f) Fringe benefits. The Plan excludes all reimbursements or other expense allowances, fringe benefits (cash and noncash), moving expenses, deferred compensation
and welfare benefits, including, but not limited to, severance benefits and cashout of vacation pay and paid time off. 

  

	 ̈	(g) Elective Contributions. The Plan excludes a Participant’s Elective Contributions. See Plan Section 1.07(D). 

  

	 ̈	(h) Exclusion. The Plan excludes Compensation in excess of:             .

  

	x	(i) Bonuses. The Plan excludes bonuses, other than regular annual bonuses. 

  

	 ̈	(j) Overtime. The Plan excludes overtime. 

  

	 ̈	(k) Commissions. The Plan excludes commissions. 

  

	 ̈	(l) Nonelective contributions. The following modifications apply to the definition of Compensation for nonelective contributions:
            . 

  

	 ̈	(m) Deferral contributions. The following modifications apply to the definition of Compensation for deferral contributions:
            . 

  

	 ̈	(n) Matching contributions. The following modifications apply to the definition of Compensation for matching contributions:
            . 

  
 5. PLAN YEAR/LIMITATION YEAR (1.24). Plan Year and Limitation Year mean the 12-consecutive month period (except for a short Plan Year) ending every: (Choose (a) or (b). Choose (c) if
applicable) 
  

	x	(a) December 31. 

  

	 ̈	(b) Other:             . 

  

	 ̈	(c) Short Plan Year: commencing on:              and ending on:
            . 

  
 6. EFFECTIVE DATE (1.10). The Employer’s adoption of the Plan is a: (Choose one of (a) or (b)) 
  

	 ̈	(a) New Plan. The Effective Date of the Plan is:             . 

 

	x	(b) Restated Plan. The restated Effective Date is: January 1, 1997. 

  
 This Plan is an amendment and restatement of an existing retirement plan(s) originally established effective as of:

 January 1, 1988. 
  
 7. HOUR OF SERVICE/ELAPSED TIME METHOD (1.15). The crediting method for Hours of Service is: (Choose one or more of (a) through
(d) as applicable) 
  

	x	(a) Actual Method. See Plan Section 1.15(B). 

  

	 ̈	(b) Equivalency Method. The Equivalency Method is:             . [Note: Insert
“daily,” “weekly,” “semi-monthly payroll periods” or “monthly.”] See Plan Section 1.15(C). 

  

	 ̈	(c) Combination Method. In lieu of the Equivalency Method specified in (b), the Actual Method applies for purposes of:
            . 

  
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	 ̈	(d) Elapsed Time Method. In lieu of crediting Hours of Service, the Elapsed Time Method applies for purposes of crediting Service for: (Choose one or more of
(1), (2) or (3) as applicable) 

  

	 	 ̈	(1) Eligibility under Article II. 

  

	 	 ̈	(2) Vesting under Article V. 

  

	 	 ̈	(3) Contribution allocations under Article III. 

  
 8. PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor service the Plan must credit by reason of Section 1.30 of the Plan,
the Plan credits as Service under this Plan, service with the following predecessor employer(s): Cupertino National Bank, Mid-Peninsula Bank, Peninsula Bank of Commerce, Bay Bank of Commerce, Coast Commercial Bank, Mt. Diablo National Bank, Bank of
Petaluma, Bay Area Bank, Bank of Santa Clara, Golden Gate Bank, Pacific Business Funding Corporation, San Jose National Bank, CAPCO Financial Corporation and Matsco Companies Incorporated and all subsidiaries, but only with respect to an individual
employed by the predecessor employer on the date it became a subsidiary of or was otherwise acquired by the Employer . 
  
 [Note: If the Plan does not credit any additional predecessor service under this Section 1.30, insert “N/A” in the blank line. The Employer also
may elect to credit predecessor service with specified Participating Employers only. See the Participation Agreement.] Service with the designated predecessor employer(s) applies: (Choose one or more of (a) through (d) as
applicable) 
  

	x	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	x	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:             .

  
 ARTICLE II 
 ELIGIBILITY REQUIREMENTS 
  
 9. ELIGIBILITY (2.01). 
  
 Eligibility conditions. To become a Participant in the Plan, an Employee must satisfy the following eligibility conditions: (Choose one or more of
(a) through (e) as applicable) [Note: If the Employer does not elect (c), the Employer’s elections under (a) and (b) apply to all types of contributions. The Employer as to deferral contributions may not elect (b)(2)
and may not elect more than 12 months in (b)(4) and (b)(5).] 
  

	x	(a) Age. Attainment of age 18 (not to exceed age 21). 

  

	 ̈	(b) Service. Service requirement. (Choose one of (1) through (5)) 

  

	 	 ̈	(1) One Year of Service. 

  

	 	 ̈	(2) Two Years of Service, without an intervening Break in Service. See Plan Section 2.03(A). 

  

	 	 ̈	(3) One Hour of Service (immediate completion of Service requirement). The Employee satisfies the Service requirement on his/her Employment Commencement Date.

  

	 	 ̈	(4)      months (not exceeding 24). 

  

	 	 ̈	(5) An Employee must complete      Hours of Service within the
             time period following the Employee’s Employment Commencement Date. If an Employee does not complete the stated Hours of Service during the specified time
period (if any), the Employee is subject to the One Year of Service requirement. [Note: The number of hours may not exceed 1,000 and the time period may not exceed 24 months. If the Plan does not require the Employee to satisfy the Hours of
Service requirement within a specified time period, insert “N/A” in the second blank line.] 

  

	 ̈	(c) Alternative 401(k)/401(m) eligibility conditions. In lieu of the elections in (a) and (b), the Employer elects the following eligibility conditions for
the following types of contributions: (Choose (1) or (2) or both if the Employer wishes to impose less restrictive eligibility conditions for deferral/Employee contributions or for matching contributions) 

 

	 	(1)   ̈	Deferral/Employee contributions: (Choose one of a. through d. Choose e. if applicable) 

  
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	a.	  	 ̈	  	One Year of Service
			
	b.	  	 ̈	  	One Hour of Service (immediate completion of Service requirement)
			
	c.	  	 ̈	  	             months (not exceeding 12)
			
	d.	  	 ̈	  	An Employee must complete              Hours of Service within the
             time period following an Employee’s Employment Commencement Date. If an Employee does not complete the stated Hours of Service during the specified time
period (if any), the Employee is subject to the One Year of Service requirement. [Note: The number of hours may not exceed 1,000 and the time period may not exceed 12 months. If the Plan does not require the Employee to satisfy the Hours of
Service requirement within a specified time period, insert “N/A” in the second blank line.]
			
	e.	  	 ̈	  	Age              (not exceeding age 21)
			
	(2)	  	 ̈	  	Matching contributions: (Choose one of f. through i. Choose j. if applicable)
			
	f.	  	 ̈	  	One Year of Service
			
	g.	  	 ̈	  	One Hour of Service (immediate completion of Service requirement)
			
	h.	  	 ̈	  	             months (not exceeding 24)
			
	i.	  	 ̈	  	An Employee must complete              Hours of Service within the
             time period following an Employee’s Employment Commencement Date. If an Employee does not complete the stated Hours of Service during the specified time
period (if any), the Employee is subject to the One Year of Service requirement. [Note: The number of hours may not exceed 1,000 and the time period may not exceed 24 months. If the Plan does not require the Employee to satisfy the Hours of
Service requirement within a specified time period, insert “N/A” in the second blank line.]
			
	j.	  	 ̈	  	Age              (not exceeding age 21)

  

	 ̈	(d) Service requirements:             . 

 [Note: Any Service requirement the Employer elects in (d) must be available under other Adoption Agreement elections or a combination
thereof.] 
  

	x	(e) Dual eligibility. The eligibility conditions of this Section 2.01 apply solely to an Employee employed by the Employer after December 31, 2000 . If
the Employee was employed by the Employer by the specified date, the Employee will become a Participant on the latest of: (i) the Effective Date; (ii) the restated Effective Date; (iii) the Employee’s Employment Commencement
Date; or (iv) on the date the Employee attains age 18 (not exceeding age 21). 

  
 Plan Entry Date. “Plan Entry Date” means the Effective Date and: (Choose one of (f) through (j). Choose (k) if applicable) [Note: If the Employer does not elect (k), the elections
under (f) through (j) apply to all types of contributions. The Employer must elect at least one Entry Date per Plan Year.] 
  

	 ̈	(f) Semi-annual Entry Dates. The first day of the Plan Year and the first day of the seventh month of the Plan Year. 

  

	 ̈	(g) The first day of the Plan Year. 

  

	 ̈	(h) Employment Commencement Date (immediate eligibility). 

  

	x	(i) The first day of each: calendar month (e.g., “Plan Year quarter”). 

  

	 ̈	(j) The following Plan Entry Dates:             . 

  

	 ̈	(k) Alternative 401(k)/401(m) Plan Entry Date(s). For the alternative 401(k)/401(m) eligibility conditions under (c), Plan Entry Date means: (Choose
(1) or (2) or both as applicable) 

  

															
	(1)	 	 ̈	  	Deferral/Employee contributions	  	(2)	 	 ̈	  	Matching contributions
	 	 	 	  	(Choose one of a. through d.)	  	 	 	 	  	(Choose one of e. through h.)
								
	 	 	a.	  	 ̈	  	Semi-annual Entry Dates	  	 	 	e.	  	 ̈	  	Semi-annual Entry Dates
	 	 	b.	  	 ̈	  	The first day of the Plan Year	  	 	 	f.	  	 ̈	  	The first day of the Plan Year
	 	 	c.	  	 ̈	  	Employment Commencement Date	  	 	 	g.	  	 ̈	  	Employment Commencement Date
	 	 	 	  	 	  	(immediate eligibility)	  	 	 	 	  	 	  	(immediate eligibility)
	 	 	d.	  	 ̈	  	The first day of each:             	  	 	 	h.	  	 ̈	  	The first day of each:             

  
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Fargo Bank, N.A. 09/05 
  

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 Time of participation. An Employee will become a Participant, unless excluded under Section 1.11, on the Plan
Entry Date (if employed on that date): (Choose one of (l), (m) or (n). Choose (o) if applicable): [Note: If the Employer does not elect (o), the election under (l), (m) or (n) applies to all types of contributions.]

  

	x	(l) Immediately following or coincident with 

  

	 ̈	(m) Immediately preceding or coincident with 

  

	 ̈	(n) Nearest 

  

	 ̈	(o) Alternative 401(k)/401(m) election(s): (Choose (1) or (2) or both as applicable) 

  

																	
	(1)	  	 ̈	  	Deferral contributions	  	(2)	 	 ̈	  	 Matching contributions
 (Choose one
of b., c. or d.)

								
	 	  	a.	  	 ̈	  	Immediately following or coincident with	  	 	 	b.	  	 ̈	    	Immediately following or coincident with
	 	  	 	  	 	  	 	  	 	  	 	 	c.	  	 ̈	    	Immediately preceding
	 	  	 	  	 	  	 	  	 	  	 	 	 	  	 	    	or coincident with
	 	  	 	  	 	  	 	  	 	  	 	 	d.	  	 ̈	    	Nearest

  
 the date the Employee completes
the eligibility conditions described in this Section 2.01. [Note: Unless otherwise excluded under Section 1.11, an Employee must become a Participant by the earlier of: (1) the first day of the Plan Year beginning after the date
the Employee completes the age and service requirements of Code §410(a); or (2) 6 months after the date the Employee completes those requirements.] 
  
 10. YEAR OF SERVICE - ELIGIBILITY (2.02). (Choose (a) and (b) as applicable): [Note: If the Employer does
not elect a Year of Service condition or elects the Elapsed Time Method, the Employer should not complete (a) or (b).] 
  

	 ̈	(a) Year of Service. An Employee must complete              Hour(s) of Service during an
eligibility computation period to receive credit for a Year of Service under Article II: [Note: The number may not exceed 1,000. If left blank, the requirement is 1,000.] 

  

	 ̈	(b) Eligibility computation period. After the initial eligibility computation period described in Plan Section 2.02, the Plan measures the eligibility
computation period as: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) The Plan Year beginning with the Plan Year which includes the first anniversary of the Employee’s Employment Commencement Date. 

  

	 	 ̈	(2) The 12-consecutive month period beginning with each anniversary of the Employee’s Employment Commencement Date. 

  
 11. PARTICIPATION - BREAK IN SERVICE (2.03). The one year
hold-out rule described in Plan Section 2.03(B): (Choose one of (a), (b) or (c)) 
  

	x	(a) Not applicable. Does not apply to the Plan. 

  

	 ̈	(b) Applicable. Applies to the Plan and to all Participants. 

  

	 ̈	(c) Limited application. Applies to the Plan, but only to a Participant who has incurred a Separation from Service. 

  
 12. ELECTION NOT TO PARTICIPATE (2.06). The Plan: (Choose one of
(a) or (b)) 
  

	x	(a) Election not permitted. Does not permit an eligible Employee to elect not to participate. 

  

	 ̈	(b) Irrevocable election. Permits an Employee to elect not to participate if the Employee makes a one-time irrevocable election prior to the Employee’s Plan
Entry Date. 

  
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 ARTICLE III 
 EMPLOYER CONTRIBUTIONS, DEFERRAL CONTRIBUTIONS AND FORFEITURES 
  
 13. AMOUNT AND TYPE (3.01). The amount and type(s) of the Employer’s contribution to the Trust for a Plan Year or other specified period will equal: (Choose one or more of (a) through
(f) as applicable) 
  

	x	(a) Deferral contributions (401(k) arrangement). The dollar or percentage amount by which each Participant has elected to reduce his/her Compensation, as
provided in the Participant’s salary reduction agreement and in accordance with Section 3.02. 

  

	x	(b) Matching contributions (other than safe harbor matching contributions under Section 3.01(d)). The matching contributions made in accordance with
Section 3.03. 

  

	x	(c) Nonelective contributions (profit sharing). The following nonelective contribution (Choose (1) or (2) or both as applicable): [Note: The
Employer may designate as a qualified nonelective contribution, all or any portion of its nonelective contribution. See Plan Section 3.04(F).] 

  

	 	x	(1) Discretionary. An amount the Employer in its sole discretion may determine. 

  

	 	 ̈	(2) Fixed. The following amount:              

  

	 ̈	(d) 401(k) safe harbor contributions. The following 401(k) safe harbor contributions described in Plan Section 14.02(D): (Choose one of (1), (2) or (3).
Choose (4), if applicable) 

  

	 	 ̈	(1) Safe harbor nonelective contribution. The safe harbor nonelective contribution equals
            % of a Participant’s Compensation [Note: the amount in the blank must be at least 3%.]. 

  

	 	 ̈	(2) Basic safe harbor matching contribution. A matching contribution equal to 100% of each Participant’s deferral contributions not exceeding 3% of the
Participant’s Compensation, plus 50% of each Participant’s deferral contributions in excess of 3% but not in excess of 5% of the Participant’s Compensation. For this purpose, “Compensation” means Compensation for:
            . [Note: The Employer must complete the blank line with the applicable time period for computing the Employer’s basic safe harbor match, such as “each
payroll period,” “each month,” “each Plan Year quarter” or “the Plan Year”.] 

  

	 	 ̈	(3) Enhanced safe harbor matching contribution. (Choose one of a. or b.). 

  

	 	 ̈	a. Uniform percentage. An amount equal to             % of each Participant’s deferral
contributions not exceeding             % of the Participant’s Compensation. For this purpose, “Compensation” means Compensation for:
            . [See the Note in (d)(2).] 

  

	 	 ̈	b. Tiered formula. An amount equal to the specified matching percentage for the corresponding level of each Participant’s deferral contribution percentage. For this
purpose, “Compensation” means Compensation for:             . [See the Note in (d)(2).] 

  

			
	 Deferral Contribution Percentage

	 	 Matching Percentage

	 _________
	 	 _________

	 _________
	 	 _________

	 _________
	 	 _________

  
 [Note: The matching percentage may
not increase as the deferral contribution percentage increases and the enhanced matching formula otherwise must satisfy the requirements of Code §§401(k)(12)(B)(ii) and (iii). If the Employer wishes to avoid ACP testing on its enhanced
safe harbor matching contribution, the Employer also must limit deferral contributions taken into account (the “Deferral Contribution Percentage”) for the matching contribution to 6% of Plan Year Compensation.] 
  

	 	 ̈	(4) Another plan. The Employer will satisfy the 401(k) safe harbor contribution in the following plan:
            . 

  

	 ̈	(e) Davis-Bacon contributions. The amount(s) specified for the applicable Plan Year or other applicable period in the Employer’s Davis-Bacon contract(s). The
Employer will make a contribution only to Participants covered by the contract and only with respect to Compensation paid under the contract. If the Participant accrues an allocation of nonelective contributions (including forfeitures) under the
Plan in addition to the Davis-Bacon contribution, the Plan Administrator will: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) Not reduce the Participant’s nonelective contribution allocation by the Davis-Bacon contribution. 

  
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	 	 ̈	(2) Reduce the Participant’s nonelective contribution allocation by the Davis-Bacon contribution. 

  

	 ̈	(f) Frozen Plan. This Plan is a frozen Plan effective:             . For any period following
the specified date, the Employer will not contribute to the Plan, a Participant may not contribute and an otherwise eligible Employee will not become a Participant in the Plan. 

  
 14. DEFERRAL CONTRIBUTIONS (3.02). The following limitations and terms apply to
an Employee’s deferral contributions: (If the Employer elects Section 3.01(a), the Employer must elect (a). Choose (b) or (c) as applicable) 
  

	x	(a) Limitation on amount. An Employee’s deferral contributions are subject to the following limitation(s) in addition to those imposed by the Code: (Choose (1),
(2) or (3) as applicable) 

  

	 	x	(1) Maximum deferral amount: 50% . 

  

	 	 ̈	(2) Minimum deferral amount:             . 

  

	 	 ̈	(3) No limitations. 

  
 For the Plan Year in which an Employee first becomes a Participant, the Plan Administrator will apply any percentage limitation the Employer elects in (1) or (2) to the Employee’s Compensation:
(Choose one of (4) or (5) unless the Employer elects (3)) 
  

	 	x	(4) Only for the portion of the Plan Year in which the Employee actually is a Participant. 

  

	 	 ̈	(5) For the entire Plan Year. 

  

	x	(b) Negative deferral election. The Employer will withhold 2% from the Participant’s Compensation unless the Participant elects a lesser percentage (including zero)
under his/her salary reduction agreement. See Plan Section 14.02(C). The negative election will apply to: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) All Participants who have not deferred at least the automatic deferral amount as of:             .

  

	 	x	(2) Each Employee whose Plan Entry Date is on or following the negative election effective date. 

  

	x	(c) Cash or deferred contributions. For each Plan Year for which the Employer makes a designated cash or deferred contribution under Plan Section 14.02(B), a
Participant may elect to receive directly in cash not more than the following portion (or, if less, the 402(g) limitation) of his/her proportionate share of that cash or deferred contribution: (Choose one of (1) or (2))

  

	 	x	(1) All or any
portion.                                       
                              ̈     (2)             %. 

  
 Modification/revocation of salary reduction agreement. A Participant prospectively may
modify or revoke a salary reduction agreement, or may file a new salary reduction agreement following a prior revocation, at least once per Plan Year or during any election period specified by the basic plan document or required by the Internal
Revenue Service. The Plan Administrator also may provide for more frequent elections in the Plan’s salary reduction agreement form. 
  
 15. MATCHING CONTRIBUTIONS (INCLUDING ADDITIONAL SAFE HARBOR MATCH UNDER PLAN SECTION 14.02(D)(3)) (3.03). The Employer matching contribution is:
(If the Employer elects Section 3.01(b), the Employer must elect one or more of (a), (b) or (c) as applicable. Choose (d) if applicable) 
  

	 ̈	(a) Fixed formula. An amount equal to              of each Participant’s deferral
contributions. 

  

	 ̈	(b) Discretionary formula. An amount (or additional amount) equal to a matching percentage the Employer from time to time may deem advisable of the Participant’s
deferral contributions. The Employer, in its sole discretion, may designate as a qualified matching contribution, all or any portion of its discretionary matching contribution. The portion of the Employer’s discretionary matching contribution
for a Plan Year not designated as a qualified matching contribution is a regular matching contribution. 

  

	x	(c) Multiple level formula. An amount equal to the following percentages for each level of the Participant’s deferral contributions. [Note: The matching
percentage only will apply to deferral contributions in excess of the previous level and not in excess of the stated deferral contribution percentage.] 

  
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	 Deferral Contributions

	 	 Matching Percentage

	4% of Compensation	 	75%
	8% of Compensation	 	62.5%

  

	 ̈	(d) Related Employers. If two or more Related Employers contribute to this Plan, the Plan Administrator will allocate matching contributions and matching contribution
forfeitures only to the Participants directly employed by the contributing Employer. The matching contribution formula for the other Related Employer(s) is:             .
[Note: If the Employer does not elect (d), the Plan Administrator will allocate all matching contributions and matching forfeitures without regard to which contributing Related Employer directly employs the Participant.]

  
 Time period for matching contributions. The Employer will
determine its matching contribution based on deferral contributions made during each: (Choose one of (e) through (h)) 
  

	x	(e) Plan Year. 

  

	 ̈	(f) Plan Year quarter. 

  

	 ̈	(g) Payroll period. 

  

	 ̈	(h) Alternative time period:             . [Note: Any alternative time period the
Employer elects in (h) must be the same for all Participants and may not exceed the Plan Year.] 

  
 Deferral contributions taken into account. In determining a Participant’s deferral contributions taken into account for the above-specified time period under
the matching contribution formula, the following limitations apply: (Choose one of (i), (j) or (k)) 
  

	 ̈	(i) All deferral contributions. The Plan Administrator will take into account all deferral contributions. 

  

	x	(j) Specific limitation. The Plan Administrator will disregard deferral contributions exceeding 8% of the Participant’s Compensation. [Note: To avoid the
ACP test in a safe harbor 401(k) plan, the Employer must limit deferrals and Employee contributions which are subject to match to 6% of Plan Year Compensation.] 

  

	 ̈	(k) Discretionary. The Plan Administrator will take into account the deferral contributions as a percentage of the Participant’s Compensation as the Employer
determines. 

  
 Other matching contribution requirements. The
matching contribution formula is subject to the following additional requirements: (Choose (l) or (m) or both if applicable) 
  

	 ̈	(l) Matching contribution limits. A Participant’s matching contributions may not exceed: (Choose one of (1) or (2)) 

  

	 	 ̈	(1)             . [Note: The Employer may elect (1) to place an overall dollar or percentage limit
on matching contributions.] 

  

	 	 ̈	(2) 4% of a Participant’s Compensation for the Plan Year under the discretionary matching contribution formula. [Note: The Employer must elect (2) if it
elects a discretionary matching formula with the safe harbor 401(k) contribution formula and wishes to avoid the ACP test.] 

  

	 ̈	(m) Qualified matching contributions. The Plan Administrator will allocate as qualified matching contributions, the matching contributions specified in Adoption
Agreement Section:             . The Plan Administrator will allocate all other matching contributions as regular matching contributions. [Note: If the Employer elects two
matching formulas, the Employer may use (m) to designate one of the formulas as a qualified matching contribution.] 

  
 16. CONTRIBUTION ALLOCATION (3.04). 
  
 Employer nonelective contributions (3.04(A)). The Plan Administrator will allocate the Employer’s nonelective contribution under the following contribution
allocation formula: (Choose one of (a), (b) or (c). Choose (d) if applicable) 
  

	x	(a) Nonintegrated (pro rata) allocation formula. 

  

	 ̈	(b) Permitted disparity. The following permitted disparity formula and definitions apply to the Plan: (Choose one of (1) or (2). Also choose (3))

  

	 	 ̈	(1) Two-tiered allocation formula. 

  
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	 	 ̈	(2) Four-tiered allocation formula. 

  

	 	 ̈	(3) For purposes of Section 3.04(b), “Excess Compensation” means Compensation in excess of: (Choose one of a. or b.) 

  

	 	 ̈	a.             % of the taxable wage base in effect on the first day of the Plan Year, rounded to
the next highest $              (not exceeding the taxable wage base). 

  

	 	 ̈	b. The following integration level:             . 

 [Note: The integration level cannot exceed the taxable wage base in effect for the Plan Year for which this Adoption Agreement first is
effective.] 
  

	 ̈	(c) Uniform points allocation formula. Under the uniform points allocation formula, a Participant receives: (Choose (1) or both (1) and (2) as
applicable) 

  

	 	 ̈	(1)              point(s) for each Year of Service. Year of Service means:
            . 

  

	 	 ̈	(2) One point for each $             [not to exceed $200] increment of Plan Year
Compensation. 

  

	 ̈	(d) Incorporation of contribution formula. The Plan Administrator will allocate the Employer’s nonelective contribution under Section(s) 3.01(c)(2), (d)(1)
or (e) in accordance with the contribution formula adopted by the Employer under that Section. 

  
 Qualified nonelective contributions. (3.04(F)). The Plan Administrator will allocate the Employer’s qualified nonelective contributions to: (Choose one of
(e) or (f)) 
  

	x	(e) Nonhighly compensated Employees only. 

  

	 ̈	(f) All Participants. 

  
 Related Employers. (Choose (g) if applicable) 
  

	 ̈	(g) Allocate only to directly employed Participants. If two or more Related Employers adopt this Plan, the Plan Administrator will allocate all nonelective
contributions and forfeitures attributable to nonelective contributions only to the Participants directly employed by the contributing Employer. If a Participant receives Compensation from more than one contributing Employer, the Plan Administrator
will determine the allocations under this Section 3.04 by prorating the Participant’s Compensation between or among the participating Related Employers. [Note: If the Employer does not elect 3.04(g), the Plan Administrator will allocate
all nonelective contributions and forfeitures without regard to which contributing Related Employer directly employs the Participant. The Employer may not elect 3.04(g) under a safe harbor 401(k) Plan.] 

  
 17. FORFEITURE ALLOCATION (3.05). The Plan Administrator will allocate a
Participant forfeiture: (Choose one or more of (a), (b) or (c) as applicable) [Note: Even if the Employer elects immediate vesting, the Employer should complete Section 3.05. See Plan Section 9.11.] 
  

	x	(a) Matching contribution forfeitures. To the extent attributable to matching contributions: (Choose one of (1) through (4)) 

 

	 	 ̈	(1) As a discretionary matching contribution. 

  

	 	x	(2) To reduce matching contributions. 

  

	 	 ̈	(3) As a discretionary nonelective contribution. 

  

	 	 ̈	(4) To reduce nonelective contributions. 

  

	x	(b) Nonelective contribution forfeitures. To the extent attributable to Employer nonelective contributions: (Choose one of (1) through (4))

  

	 	 ̈	(1) As a discretionary nonelective contribution. 

  

	 	 ̈	(2) To reduce nonelective contributions. 

  

	 	 ̈	(3) As a discretionary matching contribution. 

  
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	 	x	(4) To reduce matching contributions. 

  

	 ̈	(c) Reduce administrative expenses. First to reduce the Plan’s ordinary and necessary administrative expenses for the Plan Year and then allocate any
remaining forfeitures in the manner described in Sections 3.05(a) or (b) as applicable. 

  
 Timing of forfeiture allocation. The Plan Administrator will allocate forfeitures under Section 3.05 in the Plan Year: (Choose one of (d) or (e)) 
  

	x	(d) In which the forfeiture occurs. 

  

	 ̈	(e) Immediately following the Plan Year in which the forfeiture occurs. 

  

18. ALLOCATION CONDITIONS (3.06). 
  
 Allocation conditions. The Plan does not apply any allocation conditions to deferral contributions, 401(k) safe harbor contributions (under Section 3.01(d))
or to Davis-Bacon contributions (except as the Davis-Bacon contract provides). To receive an allocation of matching contributions, nonelective contributions, qualified nonelective contributions or Participant forfeitures, a Participant must satisfy
the following allocation condition(s): (Choose one or more of (a) through (i) as applicable) 
  

	x	(a) Hours of Service condition. The Participant must complete at least the specified number of Hours of Service (not exceeding 1,000) during the Plan Year: 1,000.

  

	x	(b) Employment condition. The Participant must be employed by the Employer on the last day of the Plan Year (designate time period).

  

	 ̈	(c) No allocation conditions. 

  

	 ̈	(d) Elapsed Time Method. The Participant must complete at least the specified number (not exceeding 182) of consecutive calendar days of employment with the Employer
during the Plan Year:             . 

  

	 ̈	(e) Termination of Service/501 Hours of Service coverage rule. The Participant either must be employed by the Employer on the last day of the Plan Year or must complete
at least 501 Hours of Service during the Plan Year. If the Plan uses the Elapsed Time Method of crediting Service, the Participant must complete at least 91 consecutive calendar days of employment with the Employer during the Plan Year.

  

	 ̈	(f) Special allocation conditions for matching contributions. The Participant must complete at least
             Hours of Service during the              (designate time period) for the matching
contributions made for that time period. 

  

	 ̈	(g) Death, Disability or Normal Retirement Age. Any condition specified in Section 3.06
             applies if the Participant incurs a Separation from Service during the Plan Year on account of:
             (e.g., death, Disability or Normal Retirement Age). 

  

	x	(h) Suspension of allocation conditions for coverage. The suspension of allocation conditions of Plan Section 3.06(E) applies to the Plan.

  

	x	(i) Limited allocation conditions. The Plan does not impose an allocation condition for the following types of contributions: matching contributions. [Note:
Any election to limit the Plan’s allocation conditions to certain contributions must be the same for all Participants, be definitely determinable and not discriminate in favor of Highly Compensated Employees.] 

  
 ARTICLE IV 
 PARTICIPANT CONTRIBUTIONS 
  
 19. EMPLOYEE (AFTER TAX) CONTRIBUTIONS (4.02). The following elections apply to Employee contributions: (Choose one of (a) or (b). Choose (c) if applicable)  
  

	x	(a) Not permitted. The Plan does not permit Employee contributions. 

  

	 ̈	(b) Permitted. The Plan permits Employee contributions subject to the following limitations:
            . 

 [Note: Any designated
limitation(s) must be the same for all Participants, be definitely determinable and not discriminate in favor of Highly Compensated Employees.] 
  
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	 ̈	(c) Matching contribution. For each Plan Year, the Employer’s matching contribution made with respect to Employee contributions is:
            . 

  
 ARTICLE V 
 VESTING REQUIREMENTS 
  
 20. NORMAL/EARLY RETIREMENT AGE (5.01). A Participant attains Normal
Retirement Age (or Early Retirement Age, if applicable) under the Plan on the following date: (Choose one of (a) or (b). Choose (c) if applicable) 
  

	x	(a) Specific age. The date the Participant attains age 65. [Note: The age may not exceed age 65.] 

  

	 ̈	(b) Age/participation. The later of the date the Participant attains              years
of age or the              anniversary of the first day of the Plan Year in which the Participant commenced participation in the Plan. [Note: The age may not exceed age 65
and the anniversary may not exceed the 5th.] 

  

	 ̈	(c) Early Retirement Age. Early Retirement Age is the later of: (i) the date a Participant attains age
             or (ii) the date a Participant reaches his/her              anniversary of the
first day of the Plan Year in which the Participant commenced participation in the Plan. 

  
 21. PARTICIPANT’S DEATH OR DISABILITY (5.02). The 100% vesting rule under Plan Section 5.02 does not apply to: (Choose (a) or (b) or both as applicable) 
  

	 ̈	(a) Death. 

  

	 ̈	(b) Disability. 

  
 22. VESTING SCHEDULE (5.03). A Participant has a 100% Vested interest at all times in his/her deferral contributions, qualified nonelective contributions, qualified matching contributions, 401(k) safe
harbor contributions and Davis-Bacon contributions (unless otherwise indicated in (f)). The following vesting schedule applies to Employer regular matching contributions and to Employer nonelective contributions: (Choose (a) or choose one or
more of (b) through (f) as applicable) 
  

	 ̈	(a) Immediate vesting. 100% Vested at all times. [Note: The Employer must elect (a) if the Service condition under Section 2.01 exceeds One Year of
Service or more than twelve months.] 

  

	x	(b) Top-heavy vesting schedules. [Note: The Employer must choose one of (b)(1), (2) or (3) if it does not elect (a).] 

 

							
	  ̈
	  	(1) 6-year graded as specified in the Plan.	  	x	  	(3) Modified top-heavy schedule
				
	  ̈
	  	(2) 3-year cliff as specified in the Plan.	  	 	  	 

  

			
	 Years of Service

	  	 Vested
 Percentage

	 Less than 1
	  	0%
	 1
	  	25%
	 2
	  	50%
	 3
	  	75%
	 4
	  	100%

  

	 ̈	(c) Non-top-heavy vesting schedules. [Note: The Employer may elect one of (c)(1), (2) or (3) in addition to (b).] 

  

							
	  ̈
	  	(1) 7-year graded as specified in the Plan.	  	 ̈	  	(3) Modified non-top-heavy schedule
				
	  ̈
	  	(2) 5-year cliff as specified in the Plan.	  	 	  	 

  
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Bank, N.A. 09/05 
  

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	 Years of Service

	 	 Vested
 Percentage

	 Less than 1
	 	—  %
	 1
	 	—  %
	 2
	 	—  %
	 3
	 	—  %
	 4
	 	—  %
	 5
	 	—  %
	 6
	 	—  %
	 7 or more
	 	100%

  
 If the Employer does not elect (c),
the vesting schedule elected in (b) applies to all Plan Years. [Note: The modified top-heavy schedule of (b)(3) must satisfy Code §416. If the Employer elects (c)(3), the modified non-top-heavy schedule must satisfy Code
§411(a)(2).] 
  

	 ̈	(d) Separate vesting election for regular matching contributions. In lieu of the election under (a), (b) or (c), the following vesting schedule applies to a
Participant’s regular matching contributions: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) 100% Vested at all times. 

  

	 	 ̈	(2) Regular matching vesting schedule:             . 

	 	    	[Note: The vesting schedule completed under (d)(2) must comply with Code §411(a)(4).] 

  

	 ̈	(e) Application of top-heavy schedule. The non-top-heavy schedule elected under (c) applies in all Plan Years in which the Plan is not a top-heavy plan.
[Note: If the Employer does not elect (e), the top-heavy vesting schedule will apply for the first Plan Year in which the Plan is top-heavy and then in all subsequent Plan Years.] 

  

	 ̈	(f) Special vesting provisions:            . [Note: Any special vesting provision
must satisfy Code §411(a). Any special vesting provision must be definitely determinable, not discriminate in favor of Highly Compensated Employees and not violate Code §401(a)(4).] 

  
 23. YEAR OF SERVICE - VESTING (5.06). (Choose (a) and (b)):
[Note: If the Employer elects the Elapsed Time Method or elects immediate vesting, the Employer should not complete (a) or (b).] 
  

	x	(a) Year of Service. An Employee must complete at least 1,000 Hours of Service during a vesting computation period to receive credit for a Year of Service
under Article V. [Note: The number may not exceed 1,000. If left blank, the requirement is 1,000.] 

  

	x	(b) Vesting computation period. The Plan measures a Year of Service on the basis of the following 12-consecutive month period: (Choose one of (1) or
(2)) 

  

	 	x	(1) Plan Year. 

  

	 	 ̈	(2) Employment year (anniversary of Employment Commencement Date). 

  

24. EXCLUDED YEARS OF SERVICE - VESTING (5.08). The Plan excludes the following Years of Service for purposes of vesting: (Choose (a) or
choose one or more of (b) through (f) as applicable) 
  

	x	(a) None. None other than as specified in Plan Section 5.08(a). 

  

	 ̈	(b) Age 18. Any Year of Service before the Year of Service during which the Participant attained the age of 18. 

  

	 ̈	(c) Prior to Plan establishment. Any Year of Service during the period the Employer did not maintain this Plan or a predecessor plan. 

  

	 ̈	(d) Parity Break in Service. Any Year of Service excluded under the rule of parity. See Plan Section 5.10. 

  
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	 ̈	(e) Prior Plan terms. Any Year of Service disregarded under the terms of the Plan as in effect prior to this restated Plan. 

  

	 ̈	(f) Additional exclusions. Any Year of Service before:             .

	    	[Note: Any exclusion specified under (f) must comply with Code §411(a)(4). Any exclusion must be definitely determinable, not discriminate in favor of Highly
Compensated Employees and not violate Code §401(a)(4). If the Employer elects immediate vesting, the Employer should not complete Section 5.08.] 

  
 ARTICLE VI 
 DISTRIBUTION OF ACCOUNT BALANCE 
  
 25. TIME OF PAYMENT OF
ACCOUNT BALANCE (6.01). The following time of distribution elections apply to the Plan: 
  
 Separation from Service/Vested Account Balance not exceeding $5,000. Subject to the limitations of Plan Section 6.01(A)(1), the Trustee will distribute in a lump sum (regardless of the Employer’s
election under Section 6.04) a separated Participant’s Vested Account Balance not exceeding $5,000: (Choose one of (a) through (d)) 
  

	x	(a) Immediate. As soon as administratively practicable following the Participant’s Separation from Service. 

  

	 ̈	(b) Designated Plan Year. As soon as administratively practicable in the             
Plan Year beginning after the Participant’s Separation from Service. 

  

	 ̈	(c) Designated Plan Year quarter. As soon as administratively practicable in the
             Plan Year quarter beginning after the Participant’s Separation from Service. 

  

	 ̈	(d) Designated distribution. As soon as administratively practicable in the:
             following the Participant’s Separation from Service. [Note: The designated distribution time must be the same for all Participants, be definitely
determinable, not discriminate in favor of Highly Compensated Employees and not violate Code §401(a)(4).] 

  
 Separation from Service/Vested Account Balance exceeding $5,000. A separated Participant whose Vested Account Balance exceeds $5,000 may elect to commence
distribution of his/her Vested Account Balance no earlier than: (Choose one of (e) through (i). Choose (j) if applicable) 
  

	x	(e) Immediate. As soon as administratively practicable following the Participant’s Separation from Service. 

  

	 ̈	(f) Designated Plan Year. As soon as administratively practicable in the             
Plan Year beginning after the Participant’s Separation from Service. 

  

	 ̈	(g) Designated Plan Year quarter. As soon as administratively practicable in the
             Plan Year quarter following the Plan Year quarter in which the Participant elects to receive a distribution. 

  

	 ̈	(h) Normal Retirement Age. As soon as administratively practicable after the close of the Plan Year in which the Participant attains Normal Retirement Age and
within the time required under Plan Section 6.01(A)(2). 

  

	 ̈	(i) Designated distribution. As soon as administratively practicable in the:
             following the Participant’s Separation from Service. [Note: The designated distribution time must be the same for all Participants, be definitely
determinable, not discriminate in favor of Highly Compensated Employees and not violate Code §401(a)(4).] 

  

	 ̈	(j) Limitation on Participant’s right to delay distribution. A Participant may not elect to delay commencement of distribution of his/her Vested Account
Balance beyond the later of attainment of age 62 or Normal Retirement Age. [Note: If the Employer does not elect (j), the Plan permits a Participant who has Separated from Service to delay distribution until his/her required beginning date. See
Plan Section 6.01(A)(2).] 

  
 Participant elections
prior to Separation from Service. A Participant, prior to Separation from Service may elect any of the following distribution options in accordance with Plan Section 6.01(C). (Choose (k) or choose one or more of (l) through
(o) as applicable). [Note: If the Employer elects any in-service distributions option, a Participant may elect to receive one in-service distribution per Plan Year unless the Plan’s in-service distribution form provides for more
frequent in-service distributions.] 
  

	 ̈	(k) None. A Participant does not have any distribution option prior to Separation from Service, except as may be provided under Plan Section 6.01(C).

  

	x	(l) Deferral contributions. Distribution of all or any portion (as permitted by the Plan) of a Participant’s Account Balance attributable to deferral
contributions if: (Choose one or more of (1), (2) or (3) as applicable) 

  
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	 	x	(1) Hardship (safe harbor hardship rule). The Participant has incurred a hardship in accordance with Plan Sections 6.09 and 14.11(A). 

  

	 	x	(2) Age. The Participant has attained age 59 1/2 (Must be at least age 59 1/2). 

  

	 	 ̈	(3) Disability. The Participant has incurred a Disability. 

  

	x	(m) Qualified nonelective contributions/qualified matching contributions/safe harbor contributions. Distribution of all or any portion of a Participant’s
Account Balance attributable to qualified nonelective contributions, to qualified matching contributions, or to 401(k) safe harbor contributions if: (Choose (1) or (2) or both as applicable) 

  

	 	x	(1) Age. The Participant has attained age 59 1/2 (Must be at least age 59 1/2). 

  

	 	 ̈	(2) Disability. The Participant has incurred a Disability. 

  

	x	(n) Nonelective contributions/regular matching contributions. Distribution of all or any portion of a Participant’s Vested Account Balance attributable to
nonelective contributions or to regular matching contributions if: (Choose one or more of (1) through (5) as applicable) 

  

	 	x	(1) Age/Service conditions. (Choose one or more of a. through d. as applicable): 

  

	 	x	a. Age. The Participant has attained age 59 1/2 . 

  

	 	 ̈	b. Two-year allocations. The Plan Administrator has allocated the contributions to be distributed for a period of not less than
             Plan Years before the distribution date. [Note: The minimum number of years is 2.] 

  

	 	 ̈	c. Five years of participation. The Participant has participated in the              Plan for at
least Plan Years. [Note: The minimum number of years is 5.] 

  

	 	x	d. Vested. The Participant is 100% Vested in his/her Account Balance. See Plan Section 5.03(A). [Note: If an Employer makes more than one election under
Section 6.01(n)(1), a Participant must satisfy all conditions before the Participant is eligible for the distribution.] 

  

	 	 ̈	(2) Hardship. The Participant has incurred a hardship in accordance with Plan Section 6.09. 

  

	 	x	(3) Hardship (safe harbor hardship rule). The Participant has incurred a hardship in accordance with Plan Sections 6.09 and 14.11(A). 

  

	 	 ̈	(4) Disability. The Participant has incurred a Disability. 

  

	 	 ̈	(5) Designated condition. The Participant has satisfied the following condition(s):            
. 

	 	    	[Note: Any designated condition(s) must be the same for all Participants, be definitely determinable and not discriminate in favor of Highly Compensated Employees.]

  

	x	(o) Participant contributions. Distribution of all or any portion of a Participant’s Account Balance attributable to the following Participant contributions
described in Plan Section 4.01: (Choose one of (1), (2) or (3)) 

  

	 	x	(1) All Participant contributions. 

  

	 	 ̈	(2) Employee contributions only. 

  

	 	 ̈	(3) Rollover contributions only. 

  
 Participant loan default/offset. See Section 6.08 of the Plan. 
  
 26. DISTRIBUTION METHOD (6.03). A separated Participant whose Vested Account Balance exceeds $5,000 may elect distribution under one of the following
method(s) of distribution described in Plan Section 6.03: (Choose one or more of (a) through (d) as applicable) 
  

	x	(a) Lump sum. 

  

	x	(b) Installments. 

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

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	 ̈	(c) Installments for required minimum distributions only. 

  

	 ̈	(d) Annuity distribution option(s):             . 

	 	[Note: Any optional method of distribution may not be subject to Employer, Plan Administrator or Trustee discretion.] 

  
 27. JOINT AND SURVIVOR ANNUITY REQUIREMENTS (6.04). The joint and
survivor annuity distribution requirements of Plan Section 6.04: (Choose one of (a) or (b)) 
  

	x	(a) Profit sharing plan exception. Do not apply to a Participant, unless the Participant is a Participant described in Section 6.04(H) of the Plan.

  

	 ̈	(b) Applicable. Apply to all Participants. 

  
 ARTICLE IX 
 PLAN ADMINISTRATOR -
DUTIES WITH RESPECT TO PARTICIPANTS’ ACCOUNTS 
  
 28. ALLOCATION OF
NET INCOME, GAIN OR LOSS (9.08). For each type of contribution provided under the Plan, the Plan allocates net income, gain or loss using the following method: (Choose one or more of (a) through (e) as applicable)

  

	x	(a) Deferral contributions/Employee contributions. (Choose one or more of (1) through (5) as applicable) 

  

	 	x	(1) Daily valuation method. Allocate on each business day of the Plan Year during which Plan assets for which there is an established market are valued and the
Trustee is conducting business. 

  

	 	 ̈	(2) Balance forward method. Allocate using the balance forward method. 

  

	 	 ̈	(3) Weighted average method. Allocate using the weighted average method, based on the following weighting
period:             . See Plan Section 14.12. 

  

	 	 ̈	(4) Balance forward method with adjustment. Allocate pursuant to the balance forward method, except treat as part of the relevant Account at the beginning of the
valuation period             % of the contributions made during the following valuation period:             .

  

	 	 ̈	(5) Individual account method. Allocate using the individual account method. See Plan Section 9.08. 

  

	x	(b) Matching contributions. (Choose one or more of (1) through (5) as applicable) 

  

	 	x	(1) Daily valuation method. Allocate on each business day of the Plan Year during which Plan assets for which there is an established market are valued and the Trustee
is conducting business. 

  

	 	 ̈	(2) Balance forward method. Allocate using the balance forward method. 

  

	 	 ̈	(3) Weighted average method. Allocate using the weighted average method, based on the following weighting
period:             . See Plan Section 14.12. 

  

	 	 ̈	(4) Balance forward method with adjustment. Allocate pursuant to the balance forward method, except treat as part of the relevant Account at the beginning of the
valuation period             % of the contributions made during the following valuation period:             .

  

	 	 ̈	(5) Individual account method. Allocate using the individual account method. See Plan Section 9.08. 

  

	x	(c) Employer nonelective contributions. (Choose one or more of (1) through (5) as applicable) 

  

	 	x	(1) Daily valuation method. Allocate on each business day of the Plan Year during which Plan assets for which there is an established market are valued and the Trustee
is conducting business. 

  

	 	 ̈	(2) Balance forward method. Allocate using the balance forward method. 

  

	 	 ̈	(3) Weighted average method. Allocate using the weighted average method, based on the following weighting
period:             . See Plan Section 14.12. 

  

	 	 ̈	(4) Balance forward method with adjustment. Allocate pursuant to the balance forward method, except treat as part of the relevant Account at the beginning of the
valuation period             % of the contributions made during the following valuation period:             .

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 

 

 15 

	 	 ̈	(5) Individual account method. Allocate using the individual account method. See Plan Section 9.08. 

  

	 ̈	(d) Specified method. Allocate pursuant to the following method:
                . 

  
 [Note: The specified method must be a definite predetermined formula which is not based on Compensation, which satisfies the nondiscrimination
requirements of Treas. Reg. §1.401(a)(4) and which is applied uniformly to all Participants.] 
  

	 ̈	(e) Interest rate factor. In accordance with Plan Section 9.08(E), the Plan includes interest at the following rate on distributions made more than 90 days
after the most recent valuation date:                 . 

  
 ARTICLE X 
 TRUSTEE AND CUSTODIAN, POWERS AND DUTIES 
  
 29. INVESTMENT
POWERS (10.03). The following additional investment options or limitations apply under Plan Section 10.03: N/A . [Note: Enter “N/A” if not applicable.] 
  
 30. VALUATION OF TRUST (10.15). In addition to the last day of the Plan
Year, the Trustee must value the Trust Fund on the following valuation date(s): (Choose one of (a) through (d)) 
  

	x	(a) Daily valuation dates. Each business day of the Plan Year on which Plan assets for which there is an established market are valued and the Trustee is conducting
business. 

  

	 ̈	(b) Last day of a specified period. The last day of each
                 of the Plan Year. 

  

	 ̈	(c) Specified dates:                 . 

  

	 ̈	(d) No additional valuation dates. 

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 16 

 Execution Page 
  
 The Trustee (and Custodian, if applicable), by executing this Adoption Agreement, accepts its position and agrees to all of
the obligations, responsibilities and duties imposed upon the Trustee (or Custodian) under the Prototype Plan and Trust. The Employer hereby agrees to the provisions of this Plan and Trust, and in witness of its agreement, the Employer by its duly
authorized officers, has executed this Adoption Agreement, and the Trustee (and Custodian, if applicable) has signified its acceptance, on:
                                        
                                        
                                        
                                        
                                        
            . 
  

			
	Name of Employer:	 	Greater Bay Bancorp

			
		
	Employer’s EIN:	 	77-0387041

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]
	
	Name(s) of Trustee:
		
	 	 	 Wells Fargo Bank, N.A.

		
	 	 	  

		
	 	 	  

		
	 	 	  

		
	 	 	  

		
	 	 	  

		
	 	 	  

		
	 	 	  

	
	Trust EIN (Optional):
		
	 	 	  

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

			
		
	Signed:	 	  

			
	 	 	  

	 	 	[Name/Title]

  
 © Copyright 2001 Wells
Fargo Bank, N.A. 09/05 
  

 17 

			
	 Name of Custodian (Optional):

		
	 	 	  

	
	 Signed:

	 	 	  

	 	 	[Name/Title]

  
 31. Plan Number. The
3-digit plan number the Employer assigns to this Plan for ERISA reporting purposes (Form 5500 Series) is: 001. 
  
 Use of Adoption Agreement. Failure to complete properly the elections in this Adoption Agreement may result in disqualification of the Employer’s Plan. The Employer only may use this Adoption Agreement in
conjunction with the basic plan document referenced by its document number on Adoption Agreement page one. 
  
 Execution for Page Substitution Amendment Only. If this paragraph is completed, this Execution Page documents an amendment to Adoption Agreement Section(s) 4, 14, 15 and Appendix A effective
January 1, 2006, by substitute Adoption Agreement page number(s) 1, 2, 7, 8, 30. 
  
 Prototype Plan Sponsor. The Prototype Plan Sponsor identified on the first page of the basic plan document will notify all adopting employers of any amendment of this Prototype Plan or of any abandonment or discontinuance by the
Prototype Plan Sponsor of its maintenance of this Prototype Plan. For inquiries regarding the adoption of the Prototype Plan, the Prototype Plan Sponsor’s intended meaning of any Plan provisions or the effect of the opinion letter issued to the
Prototype Plan Sponsor, please contact the Prototype Plan Sponsor at the following address and telephone number: 75 South 5th Street, Suite 500, Minneapolis, MN 55402-1101, (612) 316-4160. 
  
 Reliance on Sponsor Opinion Letter. The Prototype Plan Sponsor has obtained from the
IRS an opinion letter specifying the form of this Adoption Agreement and the basic plan document satisfy, as of the date of the opinion letter, Code §401. An adopting Employer may rely on the Prototype Sponsor’s IRS opinion letter
only to the extent provided in Announcement 2001-77, 2001-30 I.R.B. The Employer may not rely on the opinion letter in certain other circumstances or with respect to certain qualification requirements, which are specified in the opinion
letter and in Announcement 2001-77. In order to have reliance in such circumstances or with respect to such qualification requirements, the Employer must apply for a determination letter to Employee Plans Determinations of the Internal Revenue
Service. 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 18 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 32. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: October 13, 2000. 
  
 33. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified
as:                                       
                                        
                                        
                                        
                                    , and having an original effective
date
of:                                      
                                        
                                        
        . 

  
 34.
PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer. (Choose
one or more of (a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:            . 

 

			
	Name of Plan:	 	Name of Participating Employer:
		
	Greater Bay Bancorp 401(k) Plan	 	Bank of Petaluma
		
	 	 	 Signed:

	 	 	[Name/Title]
	 	 	  

	 	 	[Date]
	 	 	Participating Employer’s EIN: 68-0127077

  
 Acceptance by the Signatory
Employer to the Execution Page of the Adoption Agreement and by the Trustee. 
  

			
	Name of Signatory Employer:	 	Name(s) of Trustee:
	Greater Bay Bancorp	 	Wells Fargo Bank, N.A.
	  

	 	  

	[Name/Title]                  	 	[Name/Title]

  

							
	Signed:	 	  

	  	Signed:	  	  

	  

	  	  

	 	 	[Date]               	  	 	  	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 19 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 35. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: July 21, 2000. 
  

	36.	NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan constitutes: (Choose one of (a) or (b)) 

  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified
as:                                       
                                        
                                        
                                        
                                       , and having
an original effective date
of:                                       
                                        
                                        
       . 

  
 37.
PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose
one or more of (a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service: . 

  

			
	Name of Plan:	 	Name of Participating Employer:
		
	Greater Bay Bancorp 401(k) Plan	 	Bank of Santa Clara
		
	 	 	 Signed:

	 	 	[Name/Title]
	 	 	  

	 	 	[Date]
	 	 	Participating Employer’s EIN: 94-2223431

  
 Acceptance by the Signatory
Employer to the Execution Page of the Adoption Agreement and by the Trustee. 
  

			
	Name of Signatory Employer:	 	Name(s) of Trustee:
		
	Greater Bay Bancorp	 	Wells Fargo Bank, N.A.
	  

	 	  

	[Name/Title]                  	 	[Name/Title]

  

							
	Signed:	 	  

	  	Signed:	  	  

	  

	  	  

	 	 	[Date]               	  	 	  	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 20 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 38. EFFECTIVE DATE (1.10). The Effective of the Plan for the Participating Employer is: May 21, 1999. 
  
 39. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, 

	    	identified as:
                                        
                                        
                                        
                                        
        , 

	    	and having an original effective date of:
                                       
                                        
                                        
     . 

  
 40. PREDECESSOR EMPLOYER
SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan service with this Participating Employer (Choose one or more of
(a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following
Service:                                     
                                        
                                        
   . 

  

							
	 Name of Plan:
  
 Greater Bay Bancorp 401(k) Plan
	    	 Name of Participating Employer:
  
 Bay Area Bank

				
	 	 	 	    	 Signed:
	 	  

	 	 	 	    	[Name/Title]
	 	 	 	    	  

	 	 	 	    	[Date]
			
	 	 	 	    	 Participating Employer’s EIN: 94-2579856

							
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.

							
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	    	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

		
	  

	    	  

	[Name/Title]	    	[Name/Title]
				
	 Signed:
	 	  

	    	 Signed:
	 	  

	  

	    	  

	[Date]	    	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 21 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 41. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: October 15, 1999. 
  
 42. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, 

	    	identified as:
                                        
                                        
                                        
                                        
        , 

	    	and having an original effective date of:
                                        
                                        
                                        
    . 

  
 43. PREDECESSOR EMPLOYER
SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of
(a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following
Service:                                      
                                        
                                        
  . 

  

							
	 Name of Plan:
  
 Greater Bay Bancorp 401(k) Plan
	 	 Name of Participating Employer:
  
 Bay Bank of Commerce

				
	 	  	 	 	 Signed:
	 	  

	 	  	 	 	[Name/Title]
	 	  	 	 	  

	 	  	 	 	[Date]
			
	 	  	 	 	 Participating Employer’s EIN: 94-2685953

	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	 	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

		
	  

	 	  

	[Name/Title]                     	 	[Name/Title]
				
	 Signed:
	  	  

	 	Signed:	 	  

	  

	 	  

	[Date]                    	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 22 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 44. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: May 18, 2000. 
  

	45.	NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan constitutes: (Choose one of (a) or (b)) 

  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, 

	    	identified as:
                                       
                                        
                                        
                                        
         , 

	    	and having an original effective date of:
                                       
                                        
                                        
     . 

  
 46. PREDECESSOR EMPLOYER
SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of
(a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:
                                       
                                        
                                        
 . 

  

							
	 Name of Plan:
  
 Greater Bay Bancorp 401(k) Plan
	 	 Name of Participating Employer:
  
 Coast Commercial Bank

				
	 	 	 	 	 Signed:
	 	  

	 	 	 	 	[Name/Title]
	 	 	 	 	  

	 	 	 	 	[Date]
			
	 	 	 	 	 Participating Employer’s EIN: 94-2746090

	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	 	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

		
	  

	 	  

	[Name/Title]                     	 	[Name/Title]
				
	 Signed:
	 	  

	 	 Signed:
	 	  

	  

	 	  

	[Date]                    	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 23 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 47. EFFECTIVE DATE (1.10) The Effective Date of the Plan for the Participating Employer is: January 1, 1998 . 
  
 48. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, 

	    	identified as:
                                       
                                        
                                        
                                        
         , 

	    	and having an original effective date of:
                                       
                                        
                                        
     . 

  
 49. PREDECESSOR EMPLOYER
SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through
(d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:
                                       
                                        
                                        
 . 

  

							
	Name of Plan:	 	Name of Participating Employer:
		
	Greater Bay Bancorp 401(k) Plan	 	Cupertino National Bank
				
	 	 	 	 	Signed:	 	  

	 	 	 	 	 	 	[Name/Title]
	 	 	 	 	  

	 	 	 	 	 	 	[Date]
			
	 	 	 	 	Participating Employer’s EIN: 33-0060898
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	 	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

	  
  

	 	  
  

	[Name/Title]                     	 	 	 	[Name/Title]
				
	Signed:	 	  

	 	Signed:	 	  

	  

	 	  

	[Date]                    	 	 	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 24 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 50. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: May 8, 1998 . 
  
 51. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, 

	    	identified as:
                                        
                                        
                                        
                                        
        , 

	    	and having an original effective date of:
                                       
                                        
                                        
     . 

  
 52. PREDECESSOR EMPLOYER
SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through
(d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:
                                       
                                        
                                        
 . 

  

							
	Name of Plan:	    	Name of Participating Employer:
		
	Greater Bay Bancorp 401(k) Plan	    	Golden Gate Bank
				
	 	 	 	    	Signed:	 	  

	 	 	 	    	 	 	[Name/Title]
	 	 	 	    	  

	 	 	 	    	 	 	[Date]
			
	 	 	 	    	Participating Employer’s EIN: 94-2302326
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	    	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

	  
  

	    	  
  

	[Name/Title]	    	 	 	[Name/Title]
				
	Signed:	 	  

	    	Signed:	 	  

	  

	    	  

	[Date]	    	 	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 25 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 53. EFFECTIVE DATE (1.10). The Effective Date (1.10) of the Plan for the Participating Employer is: November 27, 1996. 
  

	54.	NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan constitutes: (Choose one of (a) or (b)) 

  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified as:
______________________________________________________________________________________________, 

	 	and having an original effective date of: _______________________________________________________________. 

  
 55. PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through (d) as applicable): [Note: If the Plan does not
credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:_______________________________________________. 

  

							
	Name of Plan:	 	Name of Participating Employer:
		
	Greater Bay Bancorp 401(k) Plan	 	Mid-Peninsula Bank
				
	 	 	 	 	Signed:	 	  

	 	 	 	 	 	 	[Name/Title]
	 	 	 	 	 	 	  

	 	 	 	 	 	 	[Date]
	 	 	 	 	Participating Employer’s EIN: 77-0149198            
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.

  

							
	Name of Signatory Employer:	 	Name(s) of Trustee:
		
	Greater Bay Bancorp	 	Wells Fargo Bank, N.A.
		
	  

	 	  

	 	 	[Name/Title]	 	 	 	[Name/Title]
	Signed:	 	  

	 	Signed:	 	  

	  

	 	 	 	  

	 	 	[Date]	 	 	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 26 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 56. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: January 31, 2000. 
  
 57. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	x	(a) The adoption of a new plan by the Participating Employer. 

  

	 ̈	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified as:
______________________________________________________________________________________________, 

	 	and having an original effective date of: _______________________________________________________________. 

  
 58. PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through (d) as applicable): [Note: If the Plan does not
credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service:__________________________________________________________. 

  

							
	Name of Plan:	 	Name of Participating Employer:
		
	 Greater Bay Bancorp 401(k) Plan
	 	Mt. Diablo National Bank
				
	 	 	 	 	Signed:	 	  

	 	 	 	 	 	 	[Name/Title]
	 	 	 	 	 	 	  

	 	 	 	 	 	 	[Date]
			
	 	 	 	 	Participating Employer’s EIN: 68-0258339
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	Name of Signatory Employer:	 	Name(s) of Trustee:
		
	Greater Bay Bancorp	 	Wells Fargo Bank, N.A.
	  

	 	  

	 	 	[Name/Title]            	 	 	 	[Name/Title]
	Signed:	 	  

	 	Signed:	 	  

	 	 	[Date]            	 	 	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 27 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 59. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: December 23, 1997. 
  
 60. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	 ̈	(a) The adoption of a new plan by the Participating Employer. 

  

	x	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified as: Peninsula Bank of Commerce 401(k)
Plan _________________________________________________________________________________, 

	 	and having an original effective date of: January 1, 1990 __________________________________________. 

  
 61. PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor
service credited by reason of Section 1.30 of the Plan, the Plan credits as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through (d) as applicable): [Note: If the Plan does not
credit any additional predecessor service under Section 1.30 for this Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following Service: ________________________________________________________. 

  

							
	Name of Plan:	 	Name of Participating Employer:  

		
	Greater Bay Bancorp 401(k) Plan	 	Peninsula Bank of Commerce
				
	 	 	 	 	Signed:	 	  

	 	 	 	 	 	 	[Name/Title]
	 	 	 	 	  

	 	 	 	 	 	 	[Date]
	 	 	 	 	Participating Employer’s EIN: 94-2726699            
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	Name of Signatory Employer:	 	Name(s) of Trustee:
		
	Greater Bay Bancorp	 	Wells Fargo Bank, N.A.
	  

	 	  

	 	 	                      [Name/Title]	 	 	 	[Name/Title]
	Signed:	 	  

	 	Signed:	 	  

	 	 	  

	 	 	 	  

	 	 	                              [Date]	 	 	 	[Date]

  
 [Note: Each
Participating Employer must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 28 

 PARTICIPATION AGREEMENT 
  
  ̈ Check here if not applicable and do not complete this page. 
  
 The undersigned Employer, by executing this Participation Agreement, elects to become a Participating Employer in the Plan identified in Section 1.21
of the accompanying Adoption Agreement, as if the Participating Employer were a signatory to that Adoption Agreement. The Participating Employer accepts, and agrees to be bound by, all of the elections granted under the provisions of the Prototype
Plan as made by the Signatory Employer to the Execution Page of the Adoption Agreement, except as otherwise provided in this Participation Agreement. 
  
 59. EFFECTIVE DATE (1.10). The Effective Date of the Plan for the Participating Employer is: October 23, 2001. 
  
 60. NEW PLAN/RESTATEMENT. The Participating Employer’s adoption of this Plan
constitutes: (Choose one of (a) or (b)) 
  

	 ̈	(a) The adoption of a new plan by the Participating Employer. 

  

	x	(b) The adoption of an amendment and restatement of a plan currently maintained by the Participating Employer, identified as: San Jose National Bank Cash or Deferred
Profit Sharing Plan, 

	 	and having an original effective date of: March 1, 1984. 

  
 61. PREDECESSOR EMPLOYER SERVICE (1.30). In addition to the predecessor service credited by reason of Section 1.30 of the Plan, the Plan credits
as Service under this Plan, service with this Participating Employer (Choose one or more of (a) through (d) as applicable): [Note: If the Plan does not credit any additional predecessor service under Section 1.30 for this
Participating Employer, do not complete this election.] 
  

	 ̈	(a) Eligibility. For eligibility under Article II. See Plan Section 1.30 for time of Plan entry. 

  

	 ̈	(b) Vesting. For vesting under Article V. 

  

	 ̈	(c) Contribution allocation. For contribution allocations under Article III. 

  

	 ̈	(d) Exceptions. Except for the following
Service:                                      
                                        
                             . 

  

							
	 Name of Plan:
  
 Greater Bay Bancorp 401(k) Plan
	 	 Name of Participating Employer:
  
 San Jose National Bank

				
	 	 	 	 	Signed:	 	  

	 	 	 	 	 	 	[Name/Title]
	 	 	 	 	  

	 	 	 	 	 	 	[Date]
	 	 	 	 	Participating Employer’s EIN: 94-2781845            
	
	Acceptance by the Signatory Employer to the Execution Page of the Adoption Agreement and by the Trustee.
		
	 Name of Signatory Employer:
  
 Greater Bay Bancorp
	 	 Name(s) of Trustee:
  
 Wells Fargo Bank, N.A.

	  

	 	  

	 	 	[Name/Title]	 	 	 	[Name/Title]
	Signed:	 	  

	 	Signed:	 	  

	  

	 	  

	 	 	                   [Date]	 	 	 	[Date]

  
 [Note: Each Participating Employer
must execute a separate Participation Agreement. If the Plan does not have a Participating Employer, the Signatory Employer may delete this page from the Adoption Agreement.] 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 29 

 APPENDIX A 
 TESTING ELECTIONS/EFFECTIVE DATE ADDENDUM 
  
 62. The following testing elections and special effective dates apply: (Choose one or more of (a) through (n) as applicable) 
  

	 ̈	(a) Highly Compensated Employee (1.14). For Plan Years beginning after             , the
Employer makes the following election(s) regarding the definition of Highly Compensated Employee: 

  

	 	(1)	 ̈ Top paid group election.

  

	 	(2)	 ̈ Calendar year data election (fiscal year
plan). 

  

	x	(b) 401(k) current year testing. The Employer will apply the current year testing method in applying the ADP and ACP tests effective for Plan Years beginning after:
December 31, 1996. [Note: For Plan Years beginning on or after the Employer’s execution of its “GUST” restatement, the Employer must use the same testing method within the same Plan Year for both the ADP and ACP tests.]

  

	x	(c) Compensation. The Compensation definition under Section 1.07 will apply for Plan Years beginning after: January 1, 2006. 

  

	 ̈	(d) Election not to participate. The election not to participate under Section 2.06 is effective:
            . 

  

	 ̈	(e) 401(k) safe harbor. The 401(k) safe harbor provisions under Section 3.01(d) are effective:
            . 

  

	x	(f) Negative election. The negative election provision under Section 3.02(b) is effective: January 1, 2006. 

  

	 ̈	(g) Contribution/allocation formula. The specified contribution(s) and allocation method(s) under Sections 3.01 and 3.04 are
effective                    . 

  

	x	(h) Allocation conditions. The allocation conditions of Section 3.06 are effective: January 1, 2001. 

  

	x	(i) Benefit payment elections. The distribution elections of Section(s) 6.01 are effective: January 1, 2000. 

  

	 ̈	(j) Election to continue pre-SBJPA required beginning date. A Participant may not elect to defer commencement of the distribution of his/her Vested Account
Balance beyond the April 1 following the calendar year in which the Participant attains age 70 1/2. See Plan Section 6.02(A). 

  

	x	(k) Elimination of age 70 1/2 in-service distributions. The Plan eliminates a Participant’s (other than a more than 5% owner) right to receive in-service
distributions on April 1 of the calendar year following the year in which the Participant attains age 70 1/2 for Plan Years beginning after: January 31, 2001. 

  

	 ̈	(l) Allocation of earnings. The earnings allocation provisions under Section 9.08 are effective:
                    . 

  

	 ̈	(m) Elimination of optional forms of benefit. The Employer elects prospectively to eliminate the following optional forms of benefit: (Choose one or more of
(1), (2) and (3) as applicable) 

  

	 	 ̈	(1) QJSA and QPSA benefits as described in Plan Sections 6.04, 6.05 and 6.06 effective:
                    . 

  

	 	 ̈	(2) Installment distributions as described in Section 6.03 effective:
                    . 

  

	 	 ̈	(3) Other optional forms of benefit (Any election to eliminate must be consistent with Treas. Reg. §1.411(d)-4):
                    . 

  

	x	(n) Special effective date(s): The following provisions are effective September 1, 2003: Sections 1.11 and 3.05. The following provision is effective
August 1, 2003: Section 3.02. The following provisions are effective January 1, 2001: Sections 1.30, 2.01, 5.08, and 6.03. 

  
 For periods prior to the above-specified special effective date(s), the Plan terms in effect prior to its restatement under this Adoption Agreement will
control for purposes of the designated provisions. A special effective date may not result in the delay of a Plan provision beyond the permissible effective date under any applicable law. 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 30 

 APPENDIX B 
 GUST Remedial Amendment Period Elections 
  

	63.	The following GUST restatement elections apply: (Choose one or more of (a) through (j) as applicable) 

  

	x	(a) Highly Compensated Employee elections. The Employer makes the following remedial amendment period elections with respect to the Highly Compensated Employee
definition: 

  

													
	(1)	  	1997:	  	 ̈	  	Top paid group election.	 	 	 	x	  	Calendar year election.
	 	  	 	  	 ̈	  	Calendar year data election.	 	 	 	 	  	 
	(2)	  	1998:	  	 ̈	  	Top paid group election.	 	 	 	 ̈	  	Calendar year data election.
	(3)	  	1999:	  	 ̈	  	Top paid group election.	 	 	 	 ̈	  	Calendar year data election.
	(4)	  	2000:	  	 ̈	  	Top paid group election.	 	 	 	 ̈	  	Calendar year data election.
	(5)	  	2001:	  	 ̈	  	Top paid group election.	 	 	 	 ̈	  	Calendar year data election.
	(6)	  	2002:	  	 ̈	  	Top paid group election.	 	 	 	 ̈	  	Calendar year data election.

  

	 ̈	(b) 401(k) testing methods. The Employer makes the following remedial amendment period elections with respect to the ADP test and the ACP test: [Note: The
Employer may use a different testing method for the ADP and ACP tests through the end of the Plan Year in which the Employer executes its GUST restated Plan.] 

  

																					
	 	  	ADP test	  	ACP test
	(1)	  	1997:	  	 ̈	  	prior year	  	 ̈	  	current year	  	1997:	  	 ̈	  	prior year	  	 ̈	  	current year
	(2)	  	1998:	  	 ̈	  	prior year	  	 ̈	  	current year	  	1998:	  	 ̈	  	prior year	  	 ̈	  	current year
	(3)	  	1999:	  	 ̈	  	prior year	  	 ̈	  	current year	  	1999:	  	 ̈	  	prior year	  	 ̈	  	current year
	(4)	  	2000:	  	 ̈	  	prior year	  	 ̈	  	current year	  	2000:	  	 ̈	  	prior year	  	 ̈	  	current year
	(5)	  	2001:	  	 ̈	  	prior year	  	 ̈	  	current year	  	2001:	  	 ̈	  	prior year	  	 ̈	  	current year
	(6)	  	2002:	  	 ̈	  	prior year	  	 ̈	  	current year	  	2002:	  	 ̈	  	prior year	  	 ̈	  	current year

  

	x	(c) Delayed application of SBJPA required beginning date. The Employer elects to delay the effective date for the required beginning date provision of Plan
Section 6.02 until Plan Years beginning after: December 31, 2001. 

  

	x	(d) Model Amendment for required minimum distributions. The Employer adopts the IRS Model Amendment in Plan Section 6.02(E) effective January 1, 2002. [Note: The
date must not be earlier than January 1, 2001.] 

  
 Defined Benefit Limitation 
  

	 ̈	(e) Code §415(e) repeal. The repeal of the Code §415(e) limitation is effective for Limitation Years beginning after
            . [Note: If the Employer does not make an election under (e), the repeal is effective for Limitation Years beginning after December 31, 1999.]

  
 Code §415(e) limitation. To the extent necessary to
satisfy the limitation under Plan Section 3.17 for Limitation Years beginning prior to the repeal of Code §415(e), the Employer will reduce: (Choose one of (f) or (g)) 
  

	 ̈	(f) The Participant’s projected annual benefit under the defined benefit plan. 

  

	 ̈	(g) The Employer’s contribution or allocation on behalf of the Participant to the defined contribution plan and then, if necessary, the Participant’s projected annual
benefit under the defined benefit plan. 

  
 Coordination with
top-heavy minimum allocation. The Plan Administrator will apply the top-heavy minimum allocation provisions of Article XII with the following modifications: (Choose (h) or choose (i) or (j) or both as applicable)

  

	 ̈	(h) No modifications. 

  

	 ̈	(i) For Non-Key Employees participating only in this Plan, the top-heavy minimum allocation is the minimum allocation determined by substituting
        % (not less than 4%) for “3%,” except: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) No exceptions. 

  

	 	 ̈	(2) Plan Years in which the top-heavy ratio exceeds 90%. 

  

	 ̈	(j) For Non-Key Employees also participating in the defined benefit plan, the top-heavy minimum is: (Choose one of (1) or (2)) 

  

	 	 ̈	(1) 5% of Compensation irrespective of the contribution rate of any Key Employee: (Choose one of a. or b.) 

  

	 	 ̈	a. No exceptions. 

  

	 	 ̈	b. Substituting “7 1/2%” for
“5%” if the top-heavy ratio does not exceed 90%. 

  

	 	 ̈	(2) 0%. [Note: The defined benefit plan must satisfy the top-heavy minimum benefit requirement for these Non-Key Employees.] 

  
 Actuarial assumptions for top-heavy calculation. To determine the top-heavy ratio, the
Plan Administrator will use the following interest rate and mortality assumptions to value accrued benefits under a defined benefit plan:             . 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 31 

 CHECKLIST OF EMPLOYER INFORMATION 
 AND EMPLOYER ADMINISTRATIVE ELECTIONS 
  
 Commencing with the January 1, 2003 Plan Year 
  
 The Prototype Plan permits the Employer to make certain administrative elections not reflected in the Adoption Agreement.
This form lists those administrative elections and provides a means of recording the Employer’s elections. This checklist is not part of the Plan document. 
  

	64.	Employer Information. 

  

			
	 Greater Bay Bancorp

 [Employer Name]
	 	 
		
	 1870 Broadway

 [Address]
	 	 
		
	 Redwood City, California 94063

 [City, State and Zip Code]
	 	 (650) 813-8207

 [Telephone Number]

  

	65.	Form of Business. 

  

											
	(a)	 	x	 	Corporation	 	(b)	 	 ̈	 	S Corporation
	(c)	 	 ̈	 	Limited Liability Company	 	(d)	 	 ̈	 	Sole Proprietorship
	(e)	 	 ̈	 	Partnership	 	(f)	 	 ̈	 	_________

  

	66.	Section 1.07(F) - Nondiscriminatory definition of Compensation. When testing nondiscrimination under the Plan, the Plan permits the Employer to make elections regarding
the definition of Compensation. [Note: This election solely is for purposes of nondiscrimination testing. The election does not affect the Employer’s elections under Section 1.07 which apply for purposes of allocating Employer
contributions and Participant forfeitures.] 

  

					
	(a)	 	x	 	The Plan will “gross up” Compensation for Elective Contributions.
			
	(b)	 	 ̈	 	The Plan will exclude Elective Contributions.

  

	67.	Section 4.04 - Rollover contributions. 

  

					
			
	(a)	 	x	 	The Plan accepts rollover contributions.
			
	(b)	 	 ̈	 	The Plan does not accept rollover contributions.

  

	68.	Section 8.06 - Participant direction of investment/404(c). The Plan authorizes Participant direction of investment with Trustee consent. If the Trustee permits
Participant direction of investment, the Employer and the Trustee should adopt a policy which establishes the applicable conditions and limitations, including whether they intend the Plan to comply with ERISA §404(c). 

 

					
	(a)	 	x	 	The Plan permits Participant direction of investment and is a 404(c) plan.
			
	(b)	 	 ̈	 	The Plan does not permit Participant direction of investment or is a non-404(c) plan.

  

	69.	Section 9.04[A] - Participant loans. The Plan authorizes the Plan Administrator to adopt a written loan policy to permit Participant loans. 

  

							
	(a)	 	x	 	 The Plan permits Participant loans subject to the following conditions:
  

	 	 	(1)	 	x	 	 Minimum loan amount: $ 1,000 .
  

	 	 	(2)	 	x	 	 Maximum number of outstanding loans: 3 (Total of 2 outstanding loans for any purpose and 1 outstanding loan for the purchase of a primary
residence) .
  

	 	 	(3)	 	x	 	 Reasons for which a Participant may request a loan:
  

	 	 	 	 	a.	 	 x    Any purpose.
  

	 	 	 	 	b.	 	  ̈    Hardship
events.
  

	 	 	 	 	c.	 	 x    Other: Purchase of a Participant’s primary residence (maximum of
1) .
  

	 	 	(4)	 	x	 	 Suspension of loan repayments:
  

	 	 	 	 	a.	 	  ̈    Not
permitted.
  

	 	 	 	 	b.	 	 x    Permitted for non-military leave of absence.
  

	 	 	 	 	c.	 	 x    Permitted for military service leave of absence.
  

	 	 	(5)	 	 ̈	 	The Participant must be a party in interest.
			
	(b)	 	 ̈	 	The Plan does not permit Participant loans.

  

	70.	Section 11.01 - Life insurance. The Plan with Employer approval authorizes the Trustee to acquire life insurance. 

  

					
	(a)	 	 ̈	 	The Plan will invest in life insurance contracts.
			
	(b)	 	x	 	The Plan will not invest in life insurance contracts.
		
	71.	 	Surety bond company: Chubb Group of Insurance Companies . Surety bond amount: $ 50,000,000 

  
 © Copyright 2001 Wells Fargo
Bank, N.A. 09/05 
  

 32 

 EGTRRA 
 AMENDMENT TO THE 
  
 GREATER BAY BANCORP 401(K) PLAN 

 EGTRRA - Sponsor 
  
 ARTICLE I 
 PREAMBLE 
  

	1.1	Adoption and effective date of amendment. This amendment of the plan is adopted to reflect certain provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001
(“EGTRRA”). This amendment is intended as good faith compliance with the requirements of EGTRRA and is to be construed in accordance with EGTRRA and guidance issued thereunder. Except as otherwise provided, this amendment shall be
effective as of the first day of the first plan year beginning after December 31, 2001. 

  

	1.2	Adoption by prototype sponsor. Except as otherwise provided herein, pursuant to Section 5.01 of Revenue Procedure 2000-20 (or pursuant to the corresponding provision in
Revenue Procedure 89-9 or Revenue Procedure 89-13), the sponsor hereby adopts this amendment on behalf of all adopting employers. 

  

	1.3	Supersession of inconsistent provisions. This amendment shall supersede the provisions of the plan to the extent those provisions are inconsistent with the provisions of this
amendment. 

  
 ARTICLE II 
 ADOPTION AGREEMENT ELECTIONS 
  
 The questions in this Article II only need to be completed in order to override the default provisions set forth below. If all of the default
provisions will apply, then these questions should be skipped. 
  
 Unless the employer elects otherwise in this Article II, the following defaults apply: 
  

	 	1)	The vesting schedule for matching contributions will be a 6 year graded schedule (if the plan currently has a graded schedule that does not satisfy EGTRRA) or a 3 year cliff
schedule (if the plan currently has a cliff schedule that does not satisfy EGTRRA), and such schedule will apply to all matching contributions (even those made prior to 2002). 

  

	 	2)	Rollovers are automatically excluded in determining whether the $5,000 threshold has been exceeded for automatic cash-outs (if the plan is not subject to the qualified joint and
survivor annuity rules and provides for automatic cash-outs). This is applied to all participants regardless of when the distributable event occurred. 

  

	 	3)	The suspension period after a hardship distribution is made will be 6 months and this will only apply to hardship distributions made after 2001. 

  

	 	4)	Catch-up contributions will be allowed. 

  

	 	5)	For target benefit plans, the increased compensation limit of $200,000 will be applied retroactively (i.e., to years prior to 2002). 

  

	2.1	Vesting Schedule for Matching Contributions 

  
 If there are matching contributions subject to a vesting schedule that does not satisfy EGTRRA, then unless otherwise elected below, for participants who
complete an hour of service in a plan year beginning after December 31, 2001, the following vesting schedule will apply to all matching contributions subject to a vesting schedule: 
  
 If the plan has a graded vesting schedule (i.e., the vesting schedule includes a vested percentage that is more than 0% and
less than 100%) the following will apply: 
  

			
	 Years of vesting service

	  	Nonforfeitable percentage

	 2
	  	20%
	 3
	  	40%
	 4
	  	60%
	 5
	  	80%
	 6
	  	100%

  
 If the plan does not
have a graded vesting schedule, then matching contributions will be nonforfeitable upon the completion of 3 years of vesting service. 
  
 In lieu of the above vesting schedule, the employer elects the following schedule: 
  

					
	a.	    	 ̈	    	3 year cliff (a participant’s accrued benefit derived from employer matching contributions shall be nonforfeitable upon the participant’s completion of three years of vesting
service).
			
	b.	    	 ̈	    	6 year graded schedule (20% after 2 years of vesting service and an additional 20% for each year thereafter).
			
	c.	    	 ̈	    	Other (must be at least as liberal as a. or the b. above):

  
 © Copyright 2001 Wells Fargo
Bank, N.A. 09/05 
  

 1 

 EGTRRA - Sponsor 
  

			
	 Years of vesting service

	 	 Nonforfeitable percentage

	 _______
	 	             %

		
	 _______
	 	             %

		
	 _______
	 	             %

		
	 _______
	 	             %

		
	 _______ 
	 	             %

  
 The vesting schedule
set forth herein shall only apply to participants who complete an hour of service in a plan year beginning after December 31, 2001, and, unless the option below is elected, shall apply to all matching contributions subject to a vesting
schedule. 
  

	 	d.      ̈	The vesting schedule will only apply to matching contributions made in plan years beginning after December 31, 2001 (the prior schedule will apply to matching contributions
made in prior plan years). 

  

	2.2	Exclusion of Rollovers in Application of Involuntary Cash-out Provisions (for profit sharing and 401(k) plans only). If the plan is not subject to the qualified joint and
survivor annuity rules and includes involuntary cash-out provisions, then unless one of the options below is elected, effective for distributions made after December 31, 2001, rollover contributions will be excluded in determining the value of
the participant’s nonforfeitable account balance for purposes of the plan’s involuntary cash-out rules. 

  

	 	a.      ̈	Rollover contributions will not be excluded. 

  

	 	b.      ̈	Rollover contributions will be excluded only with respect to distributions made after             . (Enter
a date no earlier than December 31, 2001.) 

  

	 	c.      ̈	Rollover contributions will only be excluded with respect to participants who separated from service after
            . (Enter a date. The date may be earlier than December 31, 2001.) 

  

	2.3	Suspension period of hardship distributions. If the plan provides for hardship distributions upon satisfaction of the safe harbor (deemed) standards as set forth in Treas.
Reg. Section 1.401(k)-1(d)(2)(iv), then, unless the option below is elected, the suspension period following a hardship distribution shall only apply to hardship distributions made after December 31, 2001. 

  

			
	 ̈	    	With regard to hardship distributions made during 2001, a participant shall be prohibited from making elective deferrals and employee contributions under this and all other plans until the
later of January 1, 2002, or 6 months after receipt of the distribution.

  

	2.4	Catch-up contributions (for 401(k) profit sharing plans only): The plan permits catch-up contributions (Article VI) unless the option below is elected.

  

			
	 ̈	    	The plan does not permit catch-up contributions to be made.

  

	2.5	For target benefit plans only: The increased compensation limit ($200,000 limit) shall apply to years prior to 2002 unless the option below is elected.

  

			
	 ̈	    	The increased compensation limit will not apply to years prior to 2002.

  
 ARTICLE III

 VESTING OF MATCHING CONTRIBUTIONS 
  

	3.1	Applicability. This Article shall apply to participants who complete an Hour of Service after December 31, 2001, with respect to accrued benefits derived from employer
matching contributions made in plan years beginning after December 31, 2001. Unless otherwise elected by the employer in Section 2.1 above, this Article shall also apply to all such participants with respect to accrued benefits derived
from employer matching contributions made in plan years beginning prior to January 1, 2002. 

  

	3.2	Vesting schedule. A participant’s accrued benefit derived from employer matching contributions shall vest as provided in Section 2.1 of this amendment.

  
 ARTICLE IV 
 INVOLUNTARY CASH-OUTS 
  

	4.1	Applicability and effective date. If the plan provides for involuntary cash-outs of amounts less than $5,000, then unless otherwise elected in Section 2.2 of this
amendment, this Article shall apply for distributions made after December 31, 2001, and shall apply to all participants. However, regardless of the preceding, this Article shall not apply if the plan is subject to the qualified joint and
survivor annuity requirements of Sections 401(a)(11) and 417 of the Code. 

  

	4.2	Rollovers disregarded in determining value of account balance for involuntary distributions. For purposes of the Sections of the plan that provide for the involuntary
distribution of vested accrued benefits of $5,000 or less, the value of a participant’s nonforfeitable account balance shall be determined without regard to that portion of the account balance that is attributable to rollover contributions (and
earnings allocable thereto) within the meaning of Sections 

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 2 

 EGTRRA - Sponsor 
  
 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16) of the Code. If the value of the participant’s
nonforfeitable account balance as so determined is $5,000 or less, then the plan shall immediately distribute the participant’s entire nonforfeitable account balance. 
  
 ARTICLE V 
 HARDSHIP DISTRIBUTIONS 
  

	5.1	Applicability and effective date. If the plan provides for hardship distributions upon satisfaction of the safe harbor (deemed) standards as set forth in Treas. Reg.
Section 1.401(k)-1(d)(2)(iv), then this Article shall apply for calendar years beginning after 2001. 

  

	5.2	Suspension period following hardship distribution. A participant who receives a distribution of elective deferrals after December 31, 2001, on account of hardship shall
be prohibited from making elective deferrals and employee contributions under this and all other plans of the employer for 6 months after receipt of the distribution. Furthermore, if elected by the employer in Section 2.3 of this amendment, a
participant who receives a distribution of elective deferrals in calendar year 2001 on account of hardship shall be prohibited from making elective deferrals and employee contributions under this and all other plans until the later of
January 1, 2002, or 6 months after receipt of the distribution. 

  
 ARTICLE VI 
 CATCH-UP CONTRIBUTIONS 
  
 Catch-up Contributions. Unless otherwise elected in Section 2.4 of this
amendment, all employees who are eligible to make elective deferrals under this plan and who have attained age 50 before the close of the plan year shall be eligible to make catch-up contributions in accordance with, and subject to the limitations
of, Section 414(v) of the Code. Such catch-up contributions shall not be taken into account for purposes of the provisions of the plan implementing the required limitations of Sections 402(g) and 415 of the Code. The plan shall not be treated
as failing to satisfy the provisions of the plan implementing the requirements of Section 401(k)(3), 401(k)(11), 401(k)(12), 410(b), or 416 of the Code, as applicable, by reason of the making of such catch-up contributions. 
  
 ARTICLE VII 
 INCREASE IN COMPENSATION LIMIT 
  
 Increase in Compensation Limit. The annual compensation of each participant taken into account in determining allocations for any plan year beginning after December 31, 2001, shall not exceed $200,000, as
adjusted for cost-of-living increases in accordance with Section 401(a)(17)(B) of the Code. Annual compensation means compensation during the plan year or such other consecutive 12-month period over which compensation is otherwise determined
under the plan (the determination period). If this is a target benefit plan, then except as otherwise elected in Section 2.5 of this amendment, for purposes of determining benefit accruals in a plan year beginning after December 31, 2001,
compensation for any prior determination period shall be limited to $200,000. 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.

  
 ARTICLE VIII 
 PLAN LOANS 
  
 Plan loans for owner-employees or shareholder-employees. If the plan permits loans to be made to participants, then effective for plan loans made after
December 31, 2001, plan provisions prohibiting loans to any owner-employee or shareholder-employee shall cease to apply. 
  
 ARTICLE IX 
 LIMITATIONS ON
CONTRIBUTIONS (IRC SECTION 415 LIMITS) 
  

	9.1	Effective date. This Section shall be effective for limitation years beginning after December 31, 2001. 

  

	9.2	Maximum annual addition. Except to the extent permitted under Article VI of this amendment and Section 414(v) of the Code, if applicable, the annual addition that may be
contributed or allocated to a participant’s account under the plan for any limitation year shall not exceed the lesser of: 

  

	 	a.	$40,000, as adjusted for increases in the cost-of-living under Section 415(d) of the Code, or 

  

	 	b.	100 percent of the participant’s compensation, within the meaning of Section 415(c)(3) of the Code, for the limitation year. 

  
 The compensation limit referred to in b. shall not apply to any contribution
for medical benefits after separation from service (within the meaning of Section 401(h) or Section 419A(f)(2) of the Code) which is otherwise treated as an annual addition. 
  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

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 EGTRRA - Sponsor 
  
 ARTICLE X 
 MODIFICATION OF TOP-HEAVY RULES 
  

	10.1	Effective date. This Article shall apply for purposes of determining whether the plan is a top-heavy plan under Section 416(g) of the Code for plan years beginning after
December 31, 2001, and whether the plan satisfies the minimum benefits requirements of Section 416(c) of the Code for such years. This Article amends the top-heavy provisions of the plan. 

  

	10.2	Determination of top-heavy status. 

  

	10.2.1	Key employee. Key employee means 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 having annual compensation greater than $130,000 (as adjusted under Section 416(i)(1) of the Code for plan years beginning after December 31, 2002), a 5-percent owner of the employer, or a 1-percent owner of
the employer having annual compensation of more than $150,000. For this purpose, annual compensation means compensation within the meaning of Section 415(c)(3) of the Code. The determination of who is a key employee will be made in accordance
with Section 416(i)(1) of the Code and the applicable regulations and other guidance of general applicability issued thereunder. 

  

	10.2.2	Determination of present values and amounts. This Section 10.2.2 shall apply for purposes of determining the present values of accrued benefits and the amounts of
account balances of employees as of the determination date. 

  

	 	a.	Distributions during year ending on the determination date. The present values of accrued benefits and the amounts of account balances of an employee as of the determination
date shall be increased by the distributions made with respect to the employee under the plan and any plan aggregated with the plan under Section 416(g)(2) of the Code during the 1-year period ending on the determination date. 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 Section 416(g)(2)(A)(i) of the Code. In the case of a distribution made for a reason other than
separation from service, death, or disability, this provision shall be applied by substituting “5-year period” for “1-year period.” 

  

	 	b.	Employees not performing services during year ending on the determination date. The accrued benefits and accounts of any individual who has not performed services for the
employer during the 1-year period ending on the determination date shall not be taken into account. 

  

	10.3	Minimum benefits. 

  

	10.3.1	Matching contributions. Employer matching contributions shall be taken into account for purposes of satisfying the minimum contribution requirements of Section 416(c)(2)
of the Code and the plan. The preceding sentence shall apply with respect to matching contributions under the plan or, if the plan provides that the minimum contribution requirement shall be met in another plan, such other plan. Employer matching
contributions that are used to satisfy the minimum contribution requirements shall be treated as matching contributions for purposes of the actual contribution percentage test and other requirements of Section 401(m) of the Code.

  

	10.3.2	Contributions under other plans. The employer may provide, in an addendum to this amendment, that the minimum benefit requirement shall be met in another plan (including
another plan that consists solely of a cash or deferred arrangement which meets the requirements of Section 401(k)(12) of the Code and matching contributions with respect to which the requirements of Section 401(m)(11) of the Code are
met). The addendum should include the name of the other plan, the minimum benefit that will be provided under such other plan, and the employees who will receive the minimum benefit under such other plan. 

  
 ARTICLE XI 
 DIRECT ROLLOVERS 
  

	11.1	Effective date. This Article shall apply to distributions made after December 31, 2001. 

  

	11.2	Modification of definition of eligible retirement plan. For purposes of the direct rollover provisions of the plan, an eligible retirement plan shall also mean an annuity
contract described in Section 403(b) of the Code and an eligible plan under Section 457(b) of the Code which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision
of a state and which agrees to separately account for amounts transferred into such plan from this plan. The definition of eligible retirement plan shall also apply in the case of a distribution to a surviving spouse, or to a spouse or former spouse
who is the alternate payee under a qualified domestic relation order, as defined in Section 414(p) of the Code. 

  

	11.3	Modification of definition of eligible rollover distribution to exclude hardship distributions. For purposes of the direct rollover provisions of the plan, any amount that is
distributed on account of hardship shall not be an eligible rollover distribution and the distributee may not elect to have any portion of such a distribution paid directly to an eligible retirement plan. 

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

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 EGTRRA - Sponsor 
  

	11.4	Modification of definition of eligible rollover distribution to include after-tax employee contributions. For purposes of the direct rollover provisions in the plan, a
portion of a distribution shall not fail to be an eligible rollover distribution merely because 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 Section 408(a) or (b) of the Code, or to a qualified defined contribution plan described in Section 401(a) or 403(a) of the Code that agrees to separately account for amounts so
transferred, including separately accounting for the portion of such distribution which is includible in gross income and the portion of such distribution which is not so includible. 

  
 ARTICLE XII 
 ROLLOVERS FROM OTHER PLANS 
  
 Rollovers from other plans. The employer, operationally and on a nondiscriminatory basis, may limit the source of rollover contributions that may be accepted by this plan. 
  
 ARTICLE XIII 
 REPEAL OF MULTIPLE USE TEST 
  
 Repeal of Multiple Use
Test. The multiple use test described in Treasury Regulation Section 1.401(m)-2 and the plan shall not apply for plan years beginning after December 31, 2001. 
  
 ARTICLE XIV 
 ELECTIVE DEFERRALS 
  

	14.1	Elective Deferrals - Contribution Limitation. No participant shall be permitted to have elective deferrals made under this plan, or any other qualified plan maintained by the
employer during any taxable year, in excess of the dollar limitation contained in Section 402(g) of the Code in effect for such taxable year, except to the extent permitted under Article VI of this amendment and Section 414(v) of the Code,
if applicable. 

  

	14.2	Maximum Salary Reduction Contributions for SIMPLE plans. If this is a SIMPLE 401(k) plan, then except to the extent permitted under Article VI of this amendment and
Section 414(v) of the Code, if applicable, the maximum salary reduction contribution that can be made to this plan is the amount determined under Section 408(p)(2)(A)(ii) of the Code for the calendar year. 

  
 ARTICLE XV 
 SAFE HARBOR PLAN PROVISIONS 
  
 Modification of Top-Heavy Rules. The top-heavy requirements of Section 416 of the Code and the plan shall not apply in any year beginning after December 31, 2001, in which the plan consists solely of a cash or deferred
arrangement which meets the requirements of Section 401(k)(12) of the Code and matching contributions with respect to which the requirements of Section 401(m)(11) of the Code are met. 
  
 ARTICLE XVI 
 DISTRIBUTION UPON SEVERANCE OF EMPLOYMENT 
  

	16.1	Effective date. This Article shall apply for distributions and transactions made after December 31, 2001, regardless of when the severance of employment occurred.

  

	16.2	New distributable event. A participant’s elective deferrals, qualified nonelective contributions, qualified matching contributions, and earnings attributable to these
contributions shall be distributed on account of the participant’s severance from employment. However, such a distribution shall be subject to the other provisions of the plan regarding distributions, other than provisions that require a
separation from service before such amounts may be distributed. 

  
 © Copyright 2001 Wells Fargo Bank, N.A. 09/05 
  

 5 

 EGTRRA - Sponsor 
  
 Except with respect to any election made by the employer in Article II, this amendment is hereby adopted by the prototype sponsor on behalf
of all adopting employers on: 
  
 [Sponsor’s signature and Adoption Date
are on file with Sponsor] 
  
 NOTE: The employer only needs to execute this
amendment if an election has been made in Article II of this amendment. 
  
 This amendment has been executed this      day of
                                        ,
            . 
  
 Name of Employer: Greater Bay Bancorp 
  

			
	By:	 	  

	 	 	EMPLOYER

  
 Name
of Plan: Greater Bay Bancorp 401(k) Plan 
  
 © Copyright 2001 Wells Fargo
Bank, N.A. 09/05 
  

 6 

 POST-EGTRRA 
 AMENDMENT TO THE 
  
 GREATER BAY BANCORP 401(K) PLAN 

 POST-EGTRRA - Employer 
  
 ARTICLE I 
 PREAMBLE 
  

	1.1	Adoption and effective date of amendment. This amendment of the plan is adopted to reflect certain provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001
(“EGTRRA”), the Job Creation and Worker Assistance Act of 2002, and other IRS guidance. This amendment is intended as good faith compliance with the requirements of EGTRRA and is to be construed in accordance with EGTRRA and guidance
issued thereunder. Except as otherwise provided, this amendment shall be effective as of the first day of the first plan year beginning after December 31, 2001. 

  

	1.2	Supersession of inconsistent provisions. This amendment shall supersede the provisions of the plan to the extent those provisions are inconsistent with the provisions of this
amendment. 

  
 ARTICLE II 
 ADOPTION AGREEMENT ELECTIONS 
  
 The questions in this Article II only need to be completed in order to override the default provisions set forth below. If all of the default
provisions will apply, then these questions should be skipped. 
  
 Unless the employer elects otherwise in this Article II, the following defaults apply: 
  

	 	1.	If catch-up contributions are permitted, then the catch-up contributions are treated like any other elective deferrals for purposes of determining matching contributions under
the plan. 

  

	 	2.	For plans subject to the qualified joint and survivor annuity rules, rollovers are automatically excluded in determining whether the $5,000 threshold has been exceeded for
automatic cash-outs (if the plan provides for automatic cash-outs). This is applied to all participants regardless of when the distributable event occurred. 

  

	 	3.	Amounts that are “deemed 125 compensation” are not included in the definition of compensation. 

  

	2.1	Exclusion of Rollovers in Application of Involuntary Cash-out Provisions. If the plan is subject to the joint and survivor annuity rules and includes involuntary cash-out
provisions, then unless one of the options below is elected, effective for distributions made after December 31, 2001, rollover contributions will be excluded in determining the value of a participant’s nonforfeitable account balance for
purposes of the plan’s involuntary cash-out rules. 

  

					
	a.	  	 ̈	  	 Rollover contributions will not be excluded.
  

	b.	  	 ̈	  	 Rollover contributions will be excluded only with respect to distributions made after
             (Enter a date no earlier than December 31, 2001).
  

	c.	  	 ̈	  	Rollover contributions will only be excluded with respect to participants who separated from service after .
             (Enter a date. The date may be earlier than December 31, 2001.)

  

	2.2	Catch-up contributions (for 401(k) profit sharing plans only): The plan permits catch-up contributions effective for calendar years beginning after December 31, 2001,
(Article V) unless otherwise elected below. 

  

					
	a.	  	 ̈	  	 The plan does not permit catch up contributions to be made.
  

	b.	  	 ̈	  	Catch up contributions are permitted effective as of:              (enter a date no earlier than January 1,
2002).

  
 And,
catch-up contributions will be taken into account in applying any matching contribution under the Plan unless otherwise elected below. 
  

					
	c.	  	x	  	Catch-up contributions will not be taken into account in applying any matching contribution under the Plan.

  

	2.3	Deemed 125 compensation. Article VI of this amendment shall not apply unless otherwise elected below. 

  

					
	 	  	 ̈	  	Article VI of this amendment (Deemed 125 Compensation) shall apply effective as of Plan Years and Limitation Years beginning on or after
             (insert the later of January 1, 1998, or the first day of the first plan year the Plan used this definition).

  
 ARTICLE III

 INVOLUNTARY CASH-OUTS 
  

	3.1	Applicability and effective date. If the plan is subject to the qualified joint and survivor annuity rules and provides for involuntary cash-outs of amounts less than $5,000,
then unless otherwise elected in Section 2.1 of this amendment, this Article shall apply for distributions made after December 31, 2001, and shall apply to all participants. 

  

	3.2	Rollovers disregarded in determining value of account balance for involuntary distributions. For purposes of the Sections of the plan that provide for the involuntary
distribution of vested accrued benefits of $5,000 or less, the value of a participant’s nonforfeitable account balance shall be determined without regard to that portion of the account balance that is attributable to rollover contributions (and
earnings allocable thereto) within the meaning of Sections 

  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05 
  

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 POST-EGTRRA - Sponsor 
  
 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii), and 457(e)(16) of the Code. If the value of the participant’s
nonforfeitable account balance as so determined is $5,000 or less, then the plan shall immediately distribute the participant’s entire nonforfeitable account balance. 
  
 ARTICLE IV 
 HARDSHIP DISTRIBUTIONS 
  
 Reduction of Section 402(g) of
the Code following hardship distribution. If the plan provides for hardship distributions upon satisfaction of the safe harbor (deemed) standards as set forth in Treas. Reg. Section 1.401(k)-1(d)(2)(iv), then effective as of the date the
elective deferral suspension period is reduced from 12 months to 6 months pursuant to EGTRRA, there shall be no reduction in the maximum amount of elective deferrals that a Participant may make pursuant to Section 402(g) of the Code solely
because of a hardship distribution made by this plan or any other plan of the Employer. 
  
 ARTICLE V 
 CATCH-UP CONTRIBUTIONS 
  
 Catch-up Contributions. Unless otherwise elected in Section 2.2 of this amendment, effective for calendar years beginning after
December 31, 2001, all employees who are eligible to make elective deferrals under this plan and who have attained age 50 before the close of the calendar year shall be eligible to make catch-up contributions in accordance with, and subject to
the limitations of, Section 414(v) of the Code. Such catch-up contributions shall not be taken into account for purposes of the provisions of the plan implementing the required limitations of Sections 402(g) and 415 of the Code. The plan shall
not be treated as failing to satisfy the provisions of the plan implementing the requirements of Sections 401(k)(3), 401(k)(11), 401(k)(12), 410(b), or 416 of the Code, as applicable, by reason of the making of such catch-up contributions.

  
 If elected in Section 2.2, catch-up contributions shall not be treated as
elective deferrals for purposes of applying any Employer matching contributions under the plan. 
  
 ARTICLE VI 
 DEEMED 125 COMPENSATION 
  
 If elected, this Article shall apply as of the effective date specified in
Section 2.3 of this amendment. For purposes of any definition of compensation under this Plan that includes a reference to amounts under Section 125 of the Code, amounts under Section 125 of the Code include any amounts not available
to a Participant in cash in lieu of group health coverage because the Participant is unable to certify that he or she has other health coverage. An amount will be treated as an amount under Section 125 of the Code only if the Employer does not
request or collect information regarding the Participant’s other health coverage as part of the enrollment process for the health plan. 
  

			
	This amendment has been executed this      day
of                    ,             .
		
	Name of Plan: Greater Bay Bancorp 401(k) Plan	 	 
		
	Name of Employer: Greater Bay Bancorp	 	 
		
	 By:

	 	 
	                                       
 EMPLOYER	 	 
		
	Name of Participating Employer: Bank of Petaluma	 	 
		
	 By:

	 	 
	                            PARTICIPATING
EMPLOYER	 	 

  
 © Copyright 2003 Wells Fargo
Bank, N.A. 09/05 
  

 2 

 401(a)(9) MODEL 
 AMENDMENT TO THE 
  
 GREATER BAY BANCORP 401(K) PLAN 

 401(a)(9) - Sponsor 
  
 GREATER BAY BANCORP 401(K) PLAN 
  
 MINIMUM DISTRIBUTION REQUIREMENTS AMENDMENT 
  
 ARTICLE I 
 GENERAL RULES 
  

	1.1	Effective Date. Unless a later effective date is specified in Section 6.1 of this Amendment, the provisions of this Amendment will apply for purposes of determining
required minimum distributions for calendar years beginning with the 2002 calendar year. 

  

	1.2	Coordination with Minimum Distribution Requirements Previously in Effect. If the effective date of this Amendment is earlier than calendar years beginning with the 2003
calendar year, required minimum distributions for 2002 under this Amendment will be determined as follows. If the total amount of 2002 required minimum distributions under the Plan made to the distributee prior to the effective date of this
Amendment equals or exceeds the required minimum distributions determined under this Amendment, then no additional distributions will be required to be made for 2002 on or after such date to the distributee. If the total amount of 2002 required
minimum distributions under the Plan made to the distributee prior to the effective date of this Amendment is less than the amount determined under this Amendment, then required minimum distributions for 2002 on and after such date will be
determined so that the total amount of required minimum distributions for 2002 made to the distributee will be the amount determined under this Amendment. 

  

	1.3	Precedence. The requirements of this Amendment will take precedence over any inconsistent provisions of the Plan. 

  

	1.4	Requirements of Treasury Regulations Incorporated. All distributions required under this Amendment will be determined and made in accordance with the Treasury regulations
under Section 401(a)(9) of the Internal Revenue Code. 

  

	1.5	TEFRA Section 242(b)(2) Elections. Notwithstanding the other provisions of this Amendment, distributions may be made under a designation made before January 1,
1984, in accordance with Section 242(b)(2) of the Tax Equity and Fiscal Responsibility Act (TEFRA) and the provisions of the Plan that relate to Section 242(b)(2) of TEFRA. 

  

	1.6	Adoption by prototype sponsor. Except as otherwise provided herein, pursuant to Section 5.01 of Revenue Procedure 2000-20, the sponsoring organization hereby adopts this
amendment on behalf of all adopting employers. 

  
 ARTICLE II 
 TIME AND MANNER OF DISTRIBUTION 
  

	2.1	Required Beginning Date. The Participant’s entire interest will be distributed, or begin to be distributed, to the Participant no later than the Participant’s
required beginning date. 

  

	2.2	Death of Participant Before Distributions Begin. If the Participant dies before distributions begin, the Participant’s entire interest will be distributed, or begin to
be distributed, no later than as follows: 

  
 (a)
If the Participant’s surviving spouse is the Participant’s sole designated beneficiary, then, except as provided in Article VI, distributions to the surviving spouse will begin by December 31 of the calendar year immediately following
the calendar year in which the Participant died, or by December 31 of the calendar year in which the Participant would have attained age 70 1/2, if later. 
  
 (b) If the Participant’s surviving spouse is not the Participant’s sole designated beneficiary, then, except as provided in Article VI, distributions to the designated beneficiary will begin by December 31 of the calendar
year immediately following the calendar year in which the Participant died. 
  
 (c) If there is no designated beneficiary as of September 30 of the year following the year of the Participant’s death, the Participant’s entire interest will be distributed by December 31 of the
calendar year containing the fifth anniversary of the Participant’s death. 
  
 (d) If the Participant’s surviving spouse is the Participant’s sole designated beneficiary and the surviving spouse dies after the Participant but before distributions to the surviving spouse begin, this
Section 2.2, other than Section 2.2(a), will apply as if the surviving spouse were the Participant. 
  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05 
  

 1 

 401(a)(9) - Sponsor 
  
 For purposes of this Section 2.2 and Article IV, unless Section 2.2(d) applies, distributions are considered to
begin on the Participant’s required beginning date. If Section 2.2(d) applies, distributions are considered to begin on the date distributions are required to begin to the surviving spouse under Section 2.2(a). If distributions under
an annuity purchased from an insurance company irrevocably commence to the Participant before the Participant’s required beginning date (or to the Participant’s surviving spouse before the date distributions are required to begin to the
surviving spouse under Section 2.2(a)), the date distributions are considered to begin is the date distributions actually commence. 
  

	2.3	Forms of Distribution. Unless the Participant’s interest is distributed in the form of an annuity purchased from an insurance company or in a single sum on or before the
required beginning date, as of the first distribution calendar year distributions will be made in accordance with Articles III and IV of this Amendment. If the Participant’s interest is distributed in the form of an annuity purchased from an
insurance company, distributions thereunder will be made in accordance with the requirements of Section 401(a)(9) of the Code and the Treasury regulations. 

  
 ARTICLE III 
 REQUIRED MINIMUM DISTRIBUTIONS DURING PARTICIPANT’S LIFETIME 
  

	3.1	Amount of Required Minimum Distribution For Each Distribution Calendar Year. During the Participant’s lifetime, the minimum amount that will be distributed for each
distribution calendar year is the lesser of: 

  
 (a) the quotient obtained by dividing the Participant’s account balance by the distribution period in the Uniform Lifetime Table set forth in Section 1.401(a)(9)-9 of the Treasury regulations, using the Participant’s age as
of the Participant’s birthday in the distribution calendar year; or 
  
 (b) if the Participant’s sole designated beneficiary for the distribution calendar year is the Participant’s spouse, the quotient obtained by dividing the Participant’s account balance by the number in
the Joint and Last Survivor Table set forth in Section 1.401(a)(9)-9 of the Treasury regulations, using the Participant’s and spouse’s attained ages as of the Participant’s and spouse’s birthdays in the distribution calendar
year. 
  

	3.2	Lifetime Required Minimum Distributions Continue Through Year of Participant’s Death. Required minimum distributions will be determined under this Article 3 beginning
with the first distribution calendar year and up to and including the distribution calendar year that includes the Participant’s date of death. 

  
 ARTICLE IV 
 REQUIRED MINIMUM DISTRIBUTIONS AFTER PARTICIPANT’S DEATH 
  

	4.1	Death On or After Date Distributions Begin. 

  
 (a) Participant Survived by Designated Beneficiary. If the Participant dies on or after the date distributions begin and there is a designated
beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of the Participant’s death is the quotient obtained by dividing the Participant’s account balance by the longer of the remaining
life expectancy of the Participant or the remaining life expectancy of the Participant’s designated beneficiary, determined as follows: 
  
 (1) The Participant’s remaining life expectancy is calculated using the age of the Participant in the year of death, reduced by one for each
subsequent year. 
  
 (2) If the Participant’s surviving
spouse is the Participant’s sole designated beneficiary, the remaining life expectancy of the surviving spouse is calculated for each distribution calendar year after the year of the Participant’s death using the surviving spouse’s
age as of the spouse’s birthday in that year. For distribution calendar years after the year of the surviving spouse’s death, the remaining life expectancy of the surviving spouse is calculated using the age of the surviving spouse as of
the spouse’s birthday in the calendar year of the spouse’s death, reduced by one for each subsequent calendar year. 
  
 (3) If the Participant’s surviving spouse is not the Participant’s sole designated beneficiary, the designated beneficiary’s remaining
life expectancy is calculated using the age of the beneficiary in the year following the year of the Participant’s death, reduced by one for each subsequent year. 
  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05 
  

 2 

 401(a)(9) - Sponsor 
  
 (b) No Designated Beneficiary. If the Participant dies on or after the date distributions begin and there is no
designated beneficiary as of September 30 of the year after the year of the Participant’s death, the minimum amount that will be distributed for each distribution calendar year after the year of the Participant’s death is the quotient
obtained by dividing the Participant’s account balance by the Participant’s remaining life expectancy calculated using the age of the Participant in the year of death, reduced by one for each subsequent year. 
  

	4.2	Death Before Date Distributions Begin. 

  
 (a) Participant Survived by Designated Beneficiary. Except as provided in Article VI, if the Participant dies before the date distributions begin
and there is a designated beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of the Participant’s death is the quotient obtained by dividing the Participant’s account balance by the
remaining life expectancy of the Participant’s designated beneficiary, determined as provided in Section 4.1. 
  
 (b) No Designated Beneficiary. If the Participant dies before the date distributions begin and there is no designated beneficiary as of
September 30 of the year following the year of the Participant’s death, distribution of the Participant’s entire interest will be completed by December 31 of the calendar year containing the fifth anniversary of the
Participant’s death. 
  
 (c) Death of Surviving Spouse
Before Distributions to Surviving Spouse Are Required to Begin. If the Participant dies before the date distributions begin, the Participant’s surviving spouse is the Participant’s sole designated beneficiary, and if the surviving
spouse dies before distributions are required to begin to the surviving spouse under Section 2.2(a), this Section 4.2 will apply as if the surviving spouse were the Participant. 
  
 ARTICLE V 
 DEFINITIONS 
  

	5.1	Designated beneficiary. The individual who is designated as the Beneficiary under the Plan and is the designated beneficiary under Section 401(a)(9) of the Internal
Revenue Code and Section 1.401(a)(9)-1, Q&A-4, of the Treasury regulations. 

  

	5.2	Distribution calendar year. A calendar year for which a minimum distribution is required. For distributions beginning before the Participant’s death, the first
distribution calendar year is the calendar year immediately preceding the calendar year which contains the Participant’s required beginning date. For distributions beginning after the Participant’s death, the first distribution calendar
year is the calendar year in which distributions are required to begin under Section 2.2. The required minimum distribution for the Participant’s first distribution calendar year will be made on or before the Participant’s required
beginning date. The required minimum distribution for other distribution calendar years, including the required minimum distribution for the distribution calendar year in which the Participant’s required beginning date occurs, will be made on
or before December 31 of that distribution calendar year. 

  

	5.3	Life expectancy. Life expectancy as computed by use of the Single Life Table in Section 1.401(a)(9)-9 of the Treasury regulations. 

  

	5.4	Participant’s account balance. The account balance as of the last valuation date in the calendar year immediately preceding the distribution calendar year (valuation
calendar year) increased by the amount of any contributions made and allocated or forfeitures allocated to the account balance as of the dates in the valuation calendar year after the valuation date and decreased by distributions made in the
valuation calendar year after the valuation date. The account balance for the valuation calendar year includes any amounts rolled over or transferred to the Plan either in the valuation calendar year or in the distribution calendar year if
distributed or transferred in the valuation calendar year. 

  

	5.5	Required beginning date. The date specified in the Plan when distributions under Section 401(a)(9) of the Internal Revenue Code are required to begin.

  
 ARTICLE VI 
 ADOPTION AGREEMENT ELECTIONS 
  
 The questions in this Article VI only need to be completed in order to override the default provisions set forth below. If all of the default provisions will apply,
then these questions should be skipped. 
  
 Unless the employer elects
otherwise in this Article VI, the following defaults apply: 
  
 1) The minimum distribution requirements are effective for distribution calendar years beginning with the 2002 calendar year unless a later date is specified in Section 6.1 of this Amendment. 
  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05 
  

 3 

 401(a)(9) - Sponsor 
  
 2) Participants or beneficiaries may elect on an individual basis whether the 5-year rule or the life expectancy rule in
the Plan applies to distributions after the death of a Participant who has a designated beneficiary. 
  

	6.1	Effective Date of Plan Amendment for Section 401(a)(9) Final and Temporary Treasury Regulations. 

  

	 	 ̈	This Amendment applies for purposes of determining required minimum distributions for distribution calendar years beginning with the 2003 calendar year, as well as required minimum
distributions for the 2002 distribution calendar year that are made on or after              (leave blank if this Amendment does not apply to any minimum distributions for the
2002 distribution calendar year). 

  

	6.2	Election to not permit Participants or Beneficiaries to Elect 5-Year Rule. 

  
 Unless elected below, Participants or beneficiaries may elect on an individual basis whether the 5-year rule or the life
expectancy rule in Sections 2.2 and 4.2 of this Amendment applies to distributions after the death of a Participant who has a designated beneficiary. The election must be made no later than the earlier of September 30 of the calendar year in
which distribution would be required to begin under Section 2.2 of this Amendment, or by September 30 of the calendar year which contains the fifth anniversary of the Participant’s (or, if applicable, surviving spouse’s) death.
If neither the Participant nor beneficiary makes an election under this paragraph, distributions will be made in accordance with Sections 2.2 and 4.2 of this Amendment and, if applicable, the elections in Section 6.3 of this Amendment below.

  

	 	 ̈	The provision set forth above in this Section 6.2 shall not apply. Rather, Sections 2.2 and 4.2 of this Amendment shall apply except as elected in Section 6.3 of this
Amendment below. 

  

	6.3	Election to Apply 5-Year Rule to Distributions to Designated Beneficiaries. 

  

	 	 ̈	If the Participant dies before distributions begin and there is a designated beneficiary, distribution to the designated beneficiary is not required to begin by the date specified
in the Plan, but the Participant’s entire interest will be distributed to the designated beneficiary by December 31 of the calendar year containing the fifth anniversary of the Participant’s death. If the Participant’s surviving
spouse is the Participant’s sole designated beneficiary and the surviving spouse dies after the Participant but before distributions to either the Participant or the surviving spouse begin, this election will apply as if the surviving spouse
were the Participant. 

  
 If the above is elected,
then this election will apply to: 
  

	 	 ̈	All distributions. 

  

	 	 ̈	The following distributions:             . 

  

	6.4	Election to Allow Designated Beneficiary Receiving Distributions Under 5-Year Rule to Elect Life Expectancy Distributions. 

  

	 	 ̈	A designated beneficiary who is receiving payments under the 5-year rule may make a new election to receive payments under the life expectancy rule until December 31, 2003,
provided that all amounts that would have been required to be distributed under the life expectancy rule for all distribution calendar years before 2004 are distributed by the earlier of December 31, 2003 or the end of the 5-year period.

  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05 

 

 4 

 401(a)(9) - Sponsor 
  
 Except with respect to any election made by the employer in Article VI, this amendment is hereby adopted by the prototype sponsoring
organization on behalf of all adopting employers on: 
  
 [Sponsor’s
signature and Adoption Date are on file with Sponsor] 
  
 NOTE: The
employer only needs to execute this amendment if an election has been made in Article VI of this amendment. 
  
 This amendment has been executed this      day of
                    ,             . 
  
 Name of Plan: Greater Bay Bancorp 401(k) Plan 
  
 Name of Employer: Greater Bay Bancorp
  

			
	By:	 	  

	 	 	EMPLOYER

  
 Name of Participating Employer: Bank
of Petaluma
  

			
	By:	 	  

	 	 	PARTICIPATING EMPLOYER

  
 © Copyright 2003 Wells Fargo
Bank, N.A. 09/05 
  

 5 

 DEEMED IRA - Employer 
  
 ARTICLE I 
 PREAMBLE 
  

	1.1	Adoption and effective date of amendment. This amendment, effective as of the date specified in Section 2.1 below, is adopted to implement Code §408(q) as added by
the Economic Growth and Tax Relief Reconciliation Act of 2001 (“EGTRRA”). This amendment is intended as good faith compliance with such provisions and is to be construed in accordance with EGTRRA and guidance issued thereunder.

  

	1.2	Supersession of inconsistent provisions. This amendment shall supersede the provisions of the plan to the extent those provisions are inconsistent with the provisions of this
amendment. 

  
 © Copyright 2003 Wells Fargo Bank, N.A. 09/05

  

 1Greater Bay Bancorp 2005 Supplemental Employee Retirement Plan

 Exhibit 10.2 
  
 

 
  
 GREATER BAY BANCORP

  
 2005 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN

  

 1 

 TABLE OF CONTENTS 
  

					
	 	  	 	  	Page

	SECTION 1	  	 PURPOSE
	  	1
			
	SECTION 2	  	 GENERAL PROVISIONS
	  	1
			
	SECTION 3	  	 BENEFITS
	  	6
			
	SECTION 4	  	 ADMINISTRATION
	  	9
			
	SECTION 5	  	 ADOPTION BY ASSOCIATED COMPANIES
	  	11
			
	SECTION 6	  	 MISCELLANEOUS
	  	12

  

 -i- 

 GREATER BAY BANCORP 
 2005 SUPPLEMENTAL EXECUTIVE RETIREMENT PLAN 
  
 SECTION 1 
 PURPOSE 
  

The purpose of this Greater Bay Bancorp 2005 Supplemental Executive Retirement Plan (the “Plan”) is to provide retirement income benefits to
certain highly compensated employees of Greater Bay Bancorp and its Subsidiaries that supplement such employees’ Social Security benefits and benefits under the Greater Bay Bancorp 401(k) Plan and specified other employee benefit plans
maintained by the Employer. 
  
 SECTION 2 
 GENERAL PROVISIONS 
  
 2.1 Effective Date. The Plan is effective as of January 1, 2005. Amendments that may be made to the Plan from time to time shall apply to
individuals participating in this Plan who perform work as Employees after the effective date applicable to such amendments. 
  
 2.2 Defined Terms. The following words and phrases as used in this Plan shall have the following meanings: 
  
 (a) “Actuarial Equivalent” (or “Actuarially Equivalent”)
means a benefit having the same value as the benefit which such actuarial equivalent replaces, based upon option factors obtained by using the mortality table and discount rate used by the Company in accordance with FAS 87 in determining its cost of
benefits under this Plan at the time that the determination of value is made. 
  
 (b) “Associated Company” means any corporation, trade, or business which together with the Company is considered to be a member of a controlled group of corporations or under common control for purposes of
Sections 414(b) or (c) of the Code. 
  
 (c) “Board”
means the Board of Directors of Greater Bay Bancorp. 
  
 (d)
“Cause” means any of the following that has a material adverse effect upon the Company or any Associated Company: 
  
 (i) The Employee’s deliberate violation of any state or federal banking or securities law; or 
  
 (ii) The Employee’s deliberate violation of the Bylaws, rules, policies
or resolutions of the Company; or 
  
 (iii) The Employee’s
deliberate violation of the rules or regulations of the California Department of Financial Institutions, the Federal Deposit Insurance Corporation, the Federal Reserve Board of Governors, the Office of the Comptroller of the Currency or any other
regulatory agency or governmental authority having jurisdiction over the Company or any Associated Company; or 
  

 1 

 (iv) The Employee’s conviction of any felony; or 
  
 (v) The Employee’s conviction of a crime involving moral turpitude,
fraudulent conduct or dishonest conduct. 
  
 (e) “Change in
Control” means the first to occur of any of the following events: 
  
 (i) Any “person” (as such term is used in sections 13 and 14(d)(2) of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), becomes the beneficial owner (as that term is used in
section 13(d) of the Exchange Act), directly or indirectly, of more than fifty percent (50%) of the capital stock of the Company entitled to vote in the election of directors, other than a group of two or more persons not (A) acting in
concert for the purpose of acquiring, holding or disposing of such stock or (B) otherwise required to file any form or report with any governmental agency or regulatory authority having jurisdiction over the Company which requires the reporting
of any change in control. The acquisition of additional stock by any person who immediately prior to such acquisition already is the beneficial owner of more than fifty percent (50%) of the capital stock of the Company entitled to vote in the
election of directors is not a Change in Control. 
  
 (ii) During
any period of not more than twelve (12) consecutive months during which the Company continues in existence, not including any period prior to the effective date of this Plan, individuals who, at the beginning of such period, constitute the
Board, and any new director (other than a director designated by a person who has entered into an agreement with the Company to effect a transaction described in clause (i), (iii) or (iv) of this subsection 2.2(d)) whose appointment to the
Board or nomination for election to the Board was approved by a vote of a majority of the directors then still in office, either were directors at the beginning of such period or whose appointment or nomination for election was previously so
approved, cease for any reason to constitute at least a majority of the Board. 
  
 (iii) The effective date of any consolidation or merger of the Company (after all requisite shareholder, applicable regulatory and other approvals and consents have been obtained), other than (A) a consolidation
or merger of the Company in which the holders of the voting capital stock of the Company immediately prior to the consolidation or merger hold at least fifty percent (50%) of the voting capital stock of the surviving entity immediately after
the consolidation or merger or (B) a consolidation or merger of the Company with one or more other persons that are related to the Company immediately prior to the consolidation or merger. For purposes of this provision, persons are
“related” if one of them owns, directly or indirectly, at least fifty percent (50%) of the voting capital stock of the other or a third person owns, directly or indirectly, at least fifty percent (50%) of the voting capital stock
of each of them. 
  

 2 

 (iv) The sale or transfer of substantially all of the Company’s assets, to one or more persons that
are not related (as defined in clause (iii) of this subsection 2.2(d)) to the Company immediately prior to the sale or transfer. 
  
 (f) “Change in Control Retirement Date” means the first day of the calendar month next following the later of (i) the month in which the
Participant terminates employment with the Company following a Change in Control, but prior to the Participant’s Normal Retirement Date, or (ii) the month in which the Participant reaches Social Security Retirement Age. 
  
 (g) “Code” means the Internal Revenue Code of 1986, as amended from
time to time. 
  
 (h) “Company” means Greater Bay
Bancorp, a California corporation, and such of its successors or assigns as may expressly adopt the Plan and agree in writing to continue the Plan. Company may also mean an Associated Company that has adopted this Plan in accordance with
Section 5 hereof. 
  
 (i) “Compensation Committee”
means the Compensation Committee of the Board. 
  
 (j)
“Covered Compensation” means with respect to an Eligible Employee the sum of (i) the amount paid to such individual as base salary from the Employer, plus (ii) the amount paid to such individual as annual bonus from the Employer,
plus (iii) any amounts deferred by such individual under the Greater Bay Bancorp 401(k) Plan and under the Greater Bay Bancorp 2005 Voluntary Deferred Compensation Plan. Deferred amounts shall be considered to have been received at such times
and in such amounts as would have applied if no deferral had been elected by the individual. 
  
 (k) “Credited Service” means the portion of a Participant’s period of Service on and after the effective date of this Plan, throughout which the Participant was classified as an Eligible Employee.

  
 (l) “Disability Retirement Date” means the fifteenth
(15th) day of the month next following the month in which the Participant incurs a Disability while an Eligible
Employee of the Company, but prior to a Participant’s Normal Retirement Date. 
  
 (m) “Disability” means a medically determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than 12 months and which:

  
 (i) Renders the Participant unable to engage in any
substantial gainful activity; or 
  
 (ii) Results in the
Participant receiving income replacement benefits for a period of not less than three (3) months under any policy of long-term disability insurance maintained by the Bank or the Company for the benefit of its employees. 
  

 3 

 “Disability” shall be interpreted in a manner consistent with Section 409A of the Code
and shall be determined by the Plan Administrator in its sole discretion, after consideration of such evidence as it may require, including a report or reports of such physician or physicians as the Plan Administrator may designate. 
  
 (n) “Early Retirement Date” means the first day of the calendar
month next following the month in which a Participant terminates employment with the Company after completing ten (10) years of Credited Service and attaining age fifty-five (55), but prior to the Participant’s Normal Retirement Date.

  
 (o) “Employee” means any person employed as an
employee of the Company or an Associated Company, including officers, but excluding directors and Board members who are not in the Company’s or an Associated Company’s employ in any other capacity. 
  
 (p) “Eligible Employee” means any Employee who, after the effective
date of this Plan, becomes and continues to be an executive officer of the Company required to file reports under Section 16 of the Securities Exchange Act of 1934, as amended, or otherwise is designated by the Compensation Committee to be
eligible to participate in this Plan. An Employee who has entered into a Supplemental Executive Compensation Agreement with the Company or any Associated Company that provides nonqualified retirement benefits to such Employee shall not be an
Eligible Employee. An Employee shall be considered to be an Eligible Employee only during such periods as the Employee continues to meet the foregoing requirement. 
  
 (q) “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time. 

 
 (r) “Final Average Compensation” means the aggregate of a
Participant’s Covered Compensation during the consecutive three (3) calendar years in which the Participant received Covered Compensation within the final seven (7) calendar years in which the Participant received Covered Compensation
that produces the largest aggregate amount of such Covered Compensation, divided by three (3). In the event a Participant has received Covered Compensation in less than three (3) full calendar years, such Participant’s Final Average
Compensation shall be determined by dividing the Participant’s aggregate Covered Compensation for the calendar months in which the Participant received Covered Compensation by the number of such calendar months, and multiplying the result by
twelve (12) to obtain an annual rate of Final Average Compensation. 
  
 (s) “401(k) Matching Benefit” means the annual benefit under a single life annuity for the life of the Participant commencing on the Participant’s Normal Retirement Date that is Actuarially Equivalent
to a hypothetical account balance equal to the sum of 
  
 (i)
sixty-two and one-half percent (62 1/2%) of the applicable dollar amount specified in Section 402(g)(1)(B)
of the Code for each calendar year that the Participant is an Eligible Employee, which amount shall be credited as of the last day of such calendar year; plus 
  

 4 

 (ii) annual interest on the hypothetical account balance, which shall be credited as of the last day of
each calendar year at the Treasury Rate for such calendar year. 
  
 (t) “Normal Retirement Date” means the first day of the calendar month next following the month in which a Participant terminates employment with the Company after the Participant reaches Social Security Retirement Age.

  
 (u) “Participant” means an individual who as an
Eligible Employee has qualified for participation and is participating under the Plan. 
  
 (v) “Plan Administrator” means Greater Bay Bancorp, which shall be the administrator of the Plan within the meaning of Section 3(16) of ERISA. 
  
 (w) “Restoration Plan Benefit” means the annual benefit under a
single life annuity for the life of the Participant commencing on the Participant’s Normal Retirement Date that is Actuarially Equivalent to a hypothetical account balance equal to the sum of 
  
 (i) five percent (5%) of the excess of (A) the Participant’s
Covered Compensation for each calendar year that the Participant is an Eligible Employee over (B) the maximum dollar amount of a Participant’s Covered Compensation that can be taken into account for such calendar year for purposes of
determining contributions or benefits under a qualified retirement plan, as set forth in Section 401(a)(17) of the Code, which amount shall be credited as of the last day of such calendar year; plus 
  
 (ii) annual interest on the hypothetical account balance, which shall be
credited as of the last day of each calendar year at the Treasury Rate for such calendar year. 
  
 (x) “Retirement Date” means the fifteenth (15th) day of the seventh
(7th) month next following the Participant’s Normal Retirement Date, Early Retirement Date or Change in
Control Retirement Date, whichever is applicable. 
  
 (y)
“Service” means the period during which an Employee is employed by the Company or any Associated Company commencing with the Employee’s first day of employment and continuing through the termination of such employment, including paid
leaves of absence, but excluding any unpaid leaves of absence or other unpaid breaks in service except to the extent required to be included under applicable law. 
  
 (z) “Social Security Benefit” means the estimated monthly primary insurance amount that an Employee is or would be
entitled to receive commencing at Social Security Retirement Age under the Social Security Act, whether or not the Employee applies for or actually receives such benefit at such age or at any earlier or later age. For purposes of this Plan, such
estimated amount shall be determined as of any date on the following basis: 
  
 (i) the Social Security Act as in effect on January 1 of the calendar year in which the Employee’s severance from service date (SSD) occurs, if the Employee’s SSD occurs before June 1 of such year,
or as in effect on June 1 of the calendar year in which the Employee’s SSD occurs, if the Employee’s SSD occurs after May 31 of such year; 
  

 5 

 (ii) the assumption that, in each calendar year beginning with the earlier of the calendar year in which
the individual became an Employee and the calendar year in which the Employee attained age 35 and ending with the calendar year in which the Employee’s SSD occurs, the Employee had earnings in an amount equal to or exceeding the Social Security
taxable wage base for such calendar year; 
  
 (iii) the
assumption that in each calendar year after the calendar year in which the Employee’s SSD occurs and ending with the calendar year immediately prior to the calendar year in which the Employee reaches Social Security Retirement Age, the Employee
will have wages equal to the Social Security taxable wage base for the calendar year in which the Employee’s SSD occurs; and 
  
 (iv) the table or formula that would be used to determine the Employee’s benefit under the Social Security Act upon the Employee attaining Social
Security Retirement Age would be identical to those in effect on the Employee’s SSD. 
  
 (aa) “Social Security Retirement Age” means the age (ranging from age 65 for persons born in 1937 and earlier to age 67 for persons born in 1960 and later) at which an Employee is or would be entitled to
receive his or her full unreduced benefit under the Social Security Act, whether or not the Employee applies for or actually receives such benefit at such age or at any earlier or later age. 
  
 (bb) “Treasury Rate” means the quarterly average of the 10-year
Treasury Bill constant maturity securities rate, with no floor or ceiling. The Interest Reference Rate shall be computed for each calendar quarter as the average of the (weekly) 10-year Treasury Bill constant maturity securities rates published by
Federal Reserve Board during the prior calendar quarter. The interest rate shall float from quarter to quarter. If the Federal Reserve Board ceases to weekly publication of the 10-year Treasury Bill constant maturity securities rate, the Plan
Administrator may select any comparable published rate as a replacement. 
  
 2.3 Number and Gender. Wherever appropriate, words used herein in the singular may include the plural, or the plural may be read as the singular, and the masculine may include the feminine. 
  
 2.4 The Code and ERISA. All references herein to Sections of the Code
or to ERISA, or any Regulations or Rulings thereunder, shall be deemed to refer to such Sections as they may subsequently be modified, amended, replaced or amplified by Federal Statutes, Regulations, or Rulings of similar application and import.

  
 2.5 Headings. Headings and sub-headings included in
this Plan are for convenience of reference only and shall not be used in the construction or interpretation of any matter hereunder. 
  
 SECTION 3 
 BENEFITS 
  
 3.1 Vested Benefit. A Participant shall have a vested right in his or
her accrued retirement benefits under the Plan at the earliest of (a) the Participant’s completion of ten (10)

  

 6 

 
years of Service and attainment of age fifty-five (55) while an Employee, (b) the Participant’s attainment of age sixty-five (65) while
an Employee, (c) the Participant’s incurring a Disability while an Employee, (d) the Participant’s death while an Employee, or (e) the termination of a Participant’s employment as an Employee in connection with a Change
in Control. For purposes of this Section 3.1, a Participant’s termination of employment shall be deemed to be “in connection with a Change in Control” if, within two (2) years following the occurrence of a Change in Control:
(x) the Participant’s employment as an Employee is terminated by the Company other than for Cause; or (y) by reason of the Company’s actions, any adverse and material change occurs in the scope of the Participant’s position,
responsibilities, duties, salary, benefits or location of employment; or (z) the Company causes an event to occur which reasonably constitutes or results in a demotion, a significant diminution of responsibilities or authority, or a
constructive termination (by forcing a resignation or otherwise) of the Participant’s employment. 
  
 3.2 Normal Retirement Benefit. The Normal Retirement Benefit payable under this Plan to a Participant who retires at his or her Normal Retirement
Date, shall be an annual benefit payable in monthly installments in the form of a single life annuity for the life of the Participant commencing on the Participant’s Retirement Date, with the annual benefit amount (not less than zero) equal to

  
 (a) Two percent (2%) of the Participant’s Final
Average Compensation multiplied by the Participant’s full years of Credited Service (but not exceeding 25 years of Credited Service) as of the date the Normal Retirement Benefit is being calculated; reduced by 
  
 (b) The sum of 
  
 (i) the Participant’s Social Security Benefit, multiplied by the ratio of the Participant’s years of Credited
Service to 30 years; 
  
 (ii) the Participant’s 401(k)
Matching Benefit; and 
  
 (iii) the Participant’s
Restoration Plan Benefit. 
  
 The maximum Normal Retirement
Benefit for a Participant with 25 or more years of Credited Service is fifty percent (50%) of the Participant’s Final Average Compensation, reduced by the sum of the items specified in clause (b) above. 
  
 3.3 Early Retirement Benefit. A Participant who is entitled to and
elects to retire on his or her Early Retirement Date shall receive an Early Retirement Benefit commencing at the Participant’s Retirement Date. The Participant’s Early Retirement Benefit shall be the Participant’s Normal Retirement
Benefit based on the Participant’s Credited Service, Final Average Compensation, Social Security Benefit, 401(k) Matching Benefit and Restoration Plan Benefit, all determined as of his or her Early Retirement Date, reduced by five-twelfths of
one percent (5/12%) for each month by which the Participant’s Early Retirement Date precedes the Participant’s Normal Retirement Date. 
  
 3.4 Disability Retirement Benefit. A Participant who incurs a Disability shall receive a Disability Retirement Benefit commencing at the
Participant’s Disability Retirement Date. 

  

 7 

 
The Participant’s Disability Retirement Benefit shall be the Participant’s Normal Retirement Benefit based on the Participant’s Credited
Service, Final Average Compensation, Social Security Benefit, 401(k) Matching Benefit and Restoration Plan Benefit, all determined as of his or her Disability Retirement Date, reduced by five-twelfths of one percent (5/12%) for each month by
which the Participant’s Disability Retirement Date precedes the Participant’s Normal Retirement Date. 
  
 3.5 Change in Control Benefit. A Participant whose employment as an Employee is terminated in connection with a Change in Control shall receive a
Change in Control Benefit commencing at the Participant’s Retirement Date. The Participant’s Change in Control Benefit shall be the Participant’s Normal Retirement Benefit based on the Participant’s Credited Service, Final
Average Compensation, Social Security Benefit, 401(k) Matching Benefit and Restoration Plan Benefit, all determined as of his or her last day as an Employee. 
  
 3.6 Payment of Retirement Benefits. 
  
 (a) The form for payment of benefits under the Plan to a Participant, who is not legally married and has no legally registered domestic partner at the
time benefits commence, shall be a fixed amount monthly payment for the life of the Participant commencing on the Participant’s Retirement Date (or Disability Retirement Date, if applicable), continuing on the fifteenth (15th) day of each month thereafter, and ending with the month in which the Participant’s death occurs. 
  
 (b) The form for payment of benefits under the Plan to a Participant, who is
legally married or has a legally registered domestic partner at the time benefits commence, shall be a joint and survivor benefit under which the Participant shall receive a fixed amount monthly payment for the Participant’s lifetime in an
amount equal to the Actuarial Equivalent of the monthly benefit that would otherwise have been payable if payments were made in accordance with subsection (a), and after the Participant’s death, if the Participant is survived by the spouse or
registered domestic partner to whom the Participant was legally married or registered on the date for commencement of the Participant’s benefit hereunder, fifty percent (50%) of the monthly amount payable to the Participant pursuant to
this subsection (b) shall be payable monthly thereafter to such spouse or registered domestic partner as long as such spouse or registered domestic partner survives. 
  
 3.7 Payment of Death Benefits. If a Participant dies and on the date of death the Participant is legally married or
has a legally registered domestic partner, the Participant shall be considered to have retired on the date of his or her death. The spouse of such Participant shall be entitled to receive the fifty percent (50%) survivor benefit that would have
been payable under subsection 3.6(b) to the Participant if the Participant had retired and commenced receiving a Disability Retirement Benefit or Normal Retirement Benefit, as the case may be, on the fifteenth (15th) day of the month following the month in which the Participant’s death occurs. The benefit payable to the spouse or registered domestic
partner shall commence with the month following the month in which the Participant’s death occurs and shall be payable monthly thereafter as long as such spouse or registered domestic partner survives. 
  

 8 

 3.8 Lump Sum Payment of Small Benefits. Anything contained in Section 3.6 or 3.7 to the
contrary notwithstanding, if the vested benefit payable under this Plan to any Participant, contingent annuitant, or beneficiary at the time monthly payments are to commence shall have an Actuarial Equivalent value of less than $100,000, the
Actuarial Equivalent value of such vested benefit shall be paid to the Participant, contingent annuitant, or beneficiary in a single lump sum, in full settlement of the benefit under this Plan. 
  
 3.9 Income Tax Withholding. The Company shall withhold from any amount
paid under this Plan any and all federal, state and local income taxes and any other taxes that are required to be withheld from such payment under applicable law. 
  
 3.10 FICA Tax Withholding. The Company shall withhold from a Participant’s other compensation and/or from the
first payments to be made under this Plan, the Participant’s share of FICA and other employment taxes imposed on the value of the benefits payable from this Plan at the time such value becomes determinable and such taxes are required to be
withheld under applicable law. 
  
 3.11 Unfunded Status and
Source of Benefit Payments. The Plan is intended to be unfunded for purposes of both ERISA and the Code. The Plan does not require any segregated or separate assets. The benefits provided under the Plan shall be paid solely from the general
assets of the Company. The Company may establish or maintain one or more “rabbi trusts” or specific accounts with a financial institution to invest funds and hold assets to be used for the payment of benefits under the Plan, but any such
“rabbi trusts,” accounts, funds or assets shall not be considered to be assets of the Plan and shall remain subject to the claims of the general creditors of the Company. No Participant or spouse or registered domestic partner of a
Participant or other person shall have any claim against, right to, or security or other interest in, any “rabbi trust,” fund, account or asset of the Company from which any payment under the Plan may be made. 
  
 SECTION 4 
 ADMINISTRATION 
  
 4.1 Administration. This Plan shall be administered by the Plan Administrator. The Plan Administrator is authorized to interpret this Plan and make all determinations which it deems necessary or advisable for its administration,
which interpretations and determinations shall be conclusive on all affected parties, unless and until reversed, amended or withdrawn by the Plan Administrator. This Plan shall be administered as an unfunded employee pension benefit plan maintained
primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees, and is not intended to meet the qualification requirements of Section 401 of the Code or the requirements of Parts 2,
3 and 4 of Subtitle B of Title I of ERISA. 
  
 4.2 Agents and
Specialists. The Plan Administrator may appoint one or more persons or agents to aid it in carrying out its duties as Plan Administrator and a named fiduciary, and may delegate such of its powers and duties or powers as it deems desirable to
such persons or agents. Such persons and agents may be, but are not required to be, officers of the Company or other Employees. The Plan Administrator may employ such counsel, auditors, actuaries and other specialists and such clerical, medical and
other services as the Plan Administrator may require in carrying out the provisions of the Plan. 
  

 9 

 4.3 Application for Benefits. The Plan Administrator may require any applicant for a retirement
benefit under this Plan to furnish it with such documents, data or information as the Plan Administrator may consider reasonably necessary or desirable. To the greatest extent possible, it is the intent of the Plan and its administrative procedures
that any benefits payable to a Participant, contingent annuitant or beneficiary be processed automatically by the Plan Administrator without the necessity of the Participant, contingent annuitant or beneficiary filing any formal claim for benefits,
other than such elections or notifications as may be required under the Plan. 
  
 4.4 Claims Procedure. 
  
 (a) If a Participant or beneficiary believes he or she is entitled to benefits under the Plan and that such benefits have been denied to him or her, such Participant or beneficiary shall file a claim to benefits in writing with the Plan
Administrator, setting forth the reason for and including any evidence supporting such claim. The Plan Administrator shall review any such claim and shall render a decision with respect thereto and shall notify the claimant of such decision within
ninety (90) days following the Plan Administrator’s receipt of such claim, unless the Plan Administrator determines that special circumstances require an extension of time for processing the claim. In no event shall any such extension
exceed ninety (90) days following the end of the initial ninety (90)-day period (i.e., the total period may not exceed one hundred eighty (180) days). If the Plan Administrator extends the time for processing a claim, the Plan
Administrator shall give the claimant written notice of the extension within ninety (90) days of the Plan Administrator’s receipt of the claim. The notice of extension shall indicate the special circumstances requiring the extension of
time and the date by which the Plan Administrator expects to render a decision on the claim. If the Plan Administrator denies any benefit claim, notice of the denial shall set forth the following information in a manner calculated to be understood
by the claimant: 
  
 (i) The specific reason or reasons for the
denial; 
  
 (ii) Reference to the specific Plan provisions on
which the denial is based; 
  
 (iii) A description of any
additional material or information necessary for the claimant to perfect the claim and an explanation of why such material or information is necessary; and 
  
 (iv) A description of the Plan’s appeal procedures and the time limits applicable to such procedures, including a statement of the claimant’s
right to bring a civil action under Section 502(a) of ERISA if the appeal is denied. 
  
 (b) Any denial of a claim to benefits may be appealed by a Participant or beneficiary for a reexamination of the claim by the Plan Administrator. Any such appeal must be filed in writing with the Plan Administrator
within ninety (90) days following the Participant’s receipt of the written notice of denial. The written notice of appeal shall set forth 

  

 10 

 
the grounds on which the appeal for reexamination of the claim is based. If written notice of the appeal is not submitted to the Plan Administrator within
such ninety (90)-day period, the Plan Administrator’s original decision on the claim will become final. In the event such an appeal is timely filed, the Plan Administrator shall reexamine the claim and shall afford the participant or
beneficiary an opportunity to present written comments, documents, records and other information relating to such claim. In such event, the claimant shall be provided, upon request and free of charge, reasonable access to, and copies of, all
documents, records and other information relevant to the claimant’s claim for benefits. The Plan Administrator’s review on appeal shall take into account all comments, documents, records and other information submitted by the claimant
relating to the claim, without regard to whether such information was submitted or considered in the initial benefit determination. The decision of the Plan Administrator with respect to any claim appealed to it for reexamination shall be made
within a reasonable time, but not later than sixty (60) days after receipt of the request for review, unless the Plan Administrator determines that special circumstances require an extension of time for processing the appeal. In no event shall
any such extension exceed sixty (60) days following the end of the initial sixty (60)-day period (i.e., the total period may not exceed one hundred twenty (120) days). If the Plan Administrator extends the time for processing an appeal,
the Plan Administrator shall give the claimant written notice of the extension within sixty (60) days of the Plan Administrator’s receipt of the claim. The notice of extension shall indicate the special circumstances requiring the
extension of time and the date by which the Plan Administrator expects to render a decision on the appeal. If the Plan Administrator denies any benefit claim on appeal, notice of the denial shall set forth the following information in a manner
calculated to be understood by the claimant: 
  
 (i) The
specific reason or reasons for the denial; 
  
 (ii) Reference to
the specific Plan provisions on which the denial is based; 
  
 (iii) A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to, and copies of, all documents, records and other information relevant to the claimant’s claim for benefits; and

  
 (iv) A statement of the claimant’s right to bring a
civil action under Section 502(a) of ERISA. 
  
 (c) The
determination of the Plan Administrator with respect to any claim or appeal filed hereunder shall be conclusive and binding on all affected parties. 
  
 (d) It is the duty of a Participant or beneficiary to keep the Plan Administrator or the Company informed of his or her current address and of any other
changes in status or other factors which may affect his or her entitlement to benefits under this Plan and the processing of any claim in accordance with the automatic procedures contemplated in the Plan. In the event the Plan Administrator or
Company is not kept so informed and as a result the claim to benefits cannot be processed automatically, the participant or beneficiary must file a claim to benefits in writing in accordance with the procedures set forth in Section 4.4(a)
above. 
  

 11 

 SECTION 5 
 ADOPTION BY ASSOCIATED COMPANIES 
  
 5.1 Associated Company Participation. Any Associated Company may adopt this Plan with the approval of Greater Bay Bancorp. In such event, the term “Company” shall be deemed to refer to such Associated Company wherever used
herein, except that any amendment to the Plan applicable to the Associated Company shall require the approval in writing of Greater Bay Bancorp. As long as Greater Bay Bancorp is a party to the Plan it shall be empowered to act thereunder for any
participating Associated Company in all matters respecting the Plan, and any action taken by Greater Bay Bancorp with respect thereto shall automatically include and be binding upon any Associated Company which is a party to the Plan. 
  
 5.2 Benefit Obligations. Greater Bay Bancorp and each Associated
Company shall be obligated to pay to an Employee and such Employee’s contingent annuitant or beneficiary only that portion of the benefits hereunder, if any, that are based upon the Employee’s Credited Service earned while employed by
Greater Bay Bancorp or such Associated Company, respectively. Expenses and fees in the operation of the Plan shall be apportioned by Greater Bay Bancorp between itself and Associated Companies participating hereunder as closely as possible in
proportion to the value of the benefits for their respective Employees (except where such fees or expenses are attributable to a particular participating company). Each Associated Company participating hereunder agrees to pay such amounts as so
determined or to reimburse Greater Bay Bancorp for such amount if Greater Bay Bancorp has paid or advanced such benefit payments, fees or expenses, or any part of them. 
  
 5.3 Termination of Associated Company Participation. Greater Bay Bancorp reserves the right, in its sole discretion
and at any time, to terminate the participation in this Plan of any or all Associated Companies. Such termination shall be effective immediately upon notice of such termination from Greater Bay Bancorp to the Associated Company being terminated.

  
 SECTION 6 
 MISCELLANEOUS 
  
 6.1 Applicable Law. All matters respecting the validity, effect, interpretation and administration of this Plan shall be determined in accordance
with ERISA, as it applies to unfunded employee pension benefit plans maintained primarily for the purpose of providing deferred compensation for a select group of management or highly compensated employees, and, to the extent state law is not
pre-empted by ERISA, the laws of the State of California applicable to contracts wholly executed and performed in such state. 
  
 6.2 Amendment or Discontinuance of the Plan. The Company expects to continue this Plan, but reserves the right to amend or terminate it in whole or
in part at any time, to any extent and in any manner that the Company in its sole discretion may consider advisable, necessary or desirable. Each such amendment or termination shall be adopted by action of the Board taken at a duly held meeting of
the Board, taken by written consent of the Board or taken in any other manner permitted under the Company’s articles of incorporation or bylaws or permitted under corporate law applicable to the Company. The Board may delegate (by reference to
a specific amendment or class of amendments or otherwise) to any officer of the 

  

 12 

 
Company the authority to adopt any amendment or amendments (but not any plan termination) on behalf of the Board. Each amendment shall be duly adopted and in
full force and effect when the action of the Board adopting such amendment is taken (if such amendment is adopted by the Board) or when signed by an officer of the Company who has authority to do so pursuant to the provisions of this
Section 6.2 (if such amendment is adopted by such an officer). Upon any termination or partial termination of this Plan, the rights of all affected Participants and their contingent annuitants and beneficiaries to benefits then accrued under
this Plan shall be nonforfeitable. No amendment or termination of this Plan shall adversely affect the rights of a Participant with respect to his or her accrued benefit under the Plan determined as of the date of adoption of the amendment.
Notwithstanding the foregoing, if the Company terminates the Plan within 12 months following a Change in Control, then the Company, in its discretion, may terminate all obligations to make future benefit payments under the Plan by paying each
Participant the Actuarial Equivalent present value of his or her Change in Control Benefit under the Plan, determined as of the Plan termination date, in a lump sum within 12 months following the Change in Control. 
  
 6.3 Attorneys’ Fees and Costs. If any legal action or other
proceeding is brought to collect any payment, to enforce any right, or to clarify any right under this Plan, the successful or prevailing party or parties shall be entitled to recover reasonable attorney’s fees and other costs incurred in that
action or proceeding, in addition to any other relief to which it or they may be entitled. 
  
 6.4 No Trust or Fiduciary Relationship Created. Nothing contained in this Plan, and no action taken pursuant to the provisions of this Plan, shall create or be construed to create a trust of any kind or a
fiduciary relationship between the Company or the Plan Administrator and any Participant, contingent annuitant, or beneficiary. 
  
 6.5 No Guarantee of Employment. No provision in this Plan shall be deemed or construed to impair or affect in any manner whatsoever the right of
the Company in its discretion at any time to employ persons as Employees, to discharge or terminate the Service of any Participant or Employee, or to retire any Participant or Employee, and every such right shall remain with the Company as if this
Plan were not in existence and had not been established. 
  
 6.6
Prohibition against Certain Payments. Notwithstanding any provision of the Plan to the contrary, no Participant shall be entitled to receive, and the Company shall not pay, any amount under this Plan that is prohibited by Section 359.1
of the Federal Deposit Insurance Corporation Rules and Regulations. 
  
 6.7 Indemnification. The Company, through insurance or otherwise, shall indemnify and defend any Board member, Company officer, Employee, Plan Administrator, and agent or representative of any Plan Administrator to whom the Plan
Administrator has delegated fiduciary duties against any and all claims, losses, damages, expenses, including counsel fees, incurred by the person or agent and any liability, including any amounts paid in settlement with the Company’s approval,
arising from the action or failure to act of the person or agent or Company, except when the same is judicially determined to be attributable to the gross negligence or willful misconduct of such person or agent. The right of indemnity described in
the preceding sentence shall be conditioned upon (a) the timely receipt of notice by the Company of any claim asserted 

  

 13 

 
against the person or agent, which notice, in the event of a lawsuit shall be given within ten (10) days after receipt by the person or agent of the
complaint, and (b) the receipt by the Company of an offer from person or agent of an opportunity to participate in the settlement or defense of such claim. 
  

6.8 Assignments Prohibited. The interest hereunder, whether vested or not, of any Participant, contingent annuitant, or beneficiary shall not be
subject to alienation, assignment, encumbrance, attachment, garnishment, execution, sequestration or other legal or equitable process, or transferability by operation of law in event of bankruptcy, insolvency or otherwise. 
  
 IN WITNESS WHEREOF, the Company has caused this Plan to be duly
executed for and on behalf of the Company by its duly authorized officers on this the 30th day of August, 2005. 
  

			
	GREATER BAY BANCORP
		
	By:	 	  

		
	Title:	 	  

  

 14

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