Document:

EX-4.1

 Exhibit 4.1 
 EMPLOYEES’ 401(k) SAVINGS PLAN 
 OF 

BANK OF MONTREAL/HARRIS 
 (As Amended and Restated Effective January 1, 2006) 
 Conformed Through Third
Amendment 
 McDermott Will & Emery LLP 
 Chicago 

  

 TABLE OF CONTENTS 

 

											
	  	 	 	  	 	    	 	  	PAGE	 
		
	SECTION 1	  	 	1	  
		 	Introduction	  	 	1	  
		 		  	1.1	    	Purpose	  	 	1	  
		 		  	1.2	    	Effective Date, Plan Year	  	 	1	  
		 		  	1.3	    	Employers	  	 	1	  
		 		  	1.4	    	Administration of the Plan	  	 	1	  
		 		  	1.5	    	Funding of Benefits	  	 	2	  
		 		  	1.6	    	Plan Supplements	  	 	2	  
		
	SECTION 2	  	 	3	  
		 	Eligibility	  	 	3	  
		 		  	2.1	    	Participation	  	 	3	  
		 		  	2.2	    	Credited Service	  	 	3	  
		 		  	2.3	    	Notice of Participation	  	 	4	  
		 		  	2.4	    	Controlled Group Member	  	 	4	  
		 		  	2.5	    	Leased Employees	  	 	4	  
		 		  	2.6	    	Excluded Employees	  	 	5	  
		
	SECTION 3	  	 	6	  
		 	Participant Contributions	  	 	6	  
		 		  	3.1	    	Participant 401(k) Contributions	  	 	6	  
		 		  	3.2	    	Participant After-Tax Contributions	  	 	6	  
		 		  	3.3	    	Payment of Participant Contributions	  	 	6	  
		 		  	3.4	    	Variation, Discontinuance and Resumption of Participant Contributions	  	 	6	  
		 		  	3.5	    	Earnings for Years Ending After December 31, 2005	  	 	7	  
		 		  	3.6	    	Profit Sharing Earnings	  	 	7	  
		 		  	3.7	    	Maximum Amount of Participant 401(k) Contributions	  	 	7	  
		 		  	3.8	    	Limitation on Participant 401(k) Contributions	  	 	7	  
		 		  	3.9	    	Highly Compensated Employee	  	 	8	  
		 		  	3.10	    	Catch-Up Contributions	  	 	9	  
		
	SECTION 4	  	 	11	  
		 	Employer Contributions	  	 	11	  
		 		  	4.1	    	Employer Matching Contributions	  	 	11	  
		 		  	4.2	    	Aggregate Employer Profit Sharing Contribution	  	 	11	  
		 		  	4.3	    	Individual Employer Profit Sharing Contribution	  	 	11	  
		 		  	4.4	    	Limitations on Employer Contributions	  	 	11	  
		 		  	4.5	    	Payment of Employer Contributions	  	 	12	  
		 		  	4.6	    	Verification of Employer Contributions	  	 	12	  
		 		  	4.7	    	No Interest in Employers	  	 	12	  

  

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	  	 	 	  	 	    	 	  	PAGE	 
		
	SECTION 5	  	 	14	  
		 	The Trust Fund and the Investment Funds	  	 	14	  
		 		  	5.1	    	The Trust Fund	  	 	14	  
		 		  	5.2	    	The Investment Funds	  	 	14	  
		 		  	5.3	    	Investment Fund Elections	  	 	14	  
		 		  	5.4	    	Investment Fund Transfers	  	 	14	  
		
	SECTION 6	  	 	16	  
		 	Period of Participation	  	 	16	  
		 		  	6.1	    	Normal Retirement	  	 	16	  
		 		  	6.2	    	Settlement Date	  	 	16	  
		 		  	6.3	    	Restricted Participation	  	 	16	  
		
	SECTION 7	  	 	18	  
		 	Accounting	  	 	18	  
		 		  	7.1	    	Separate Accounts	  	 	18	  
		 		  	7.2	    	Accounting Dates	  	 	18	  
		 		  	7.3	    	When Employer Contributions Considered Made	  	 	18	  
		 		  	7.4	    	Adjustment of Participants’ Accounts	  	 	19	  
		 		  	7.5	    	Allocation of Employer Contributions	  	 	19	  
		 		  	7.6	    	Crediting of Participant Contributions	  	 	20	  
		 		  	7.7	    	Charging Distributions	  	 	20	  
		 		  	7.8	    	Rollovers	  	 	20	  
		 		  	7.9	    	Statement of Account	  	 	20	  
		 		  	7.10	    	Contribution Limitations	  	 	20	  
		 		  	7.11	    	Limitation on Allocation of Contributions	  	 	21	  
		 		  	7.12	    	Allocation of Earnings to Distributions of Excess Contributions	  	 	22	  
		
	SECTION 8	  	 	24	  
		 	Withdrawals and Loans During Employment	  	 	24	  
		 		  	8.1	    	Withdrawal of Participant Contributions	  	 	24	  
		 		  	8.2	    	General Account Withdrawals	  	 	24	  
		 		  	8.3	    	Charging of Withdrawals	  	 	24	  
		 		  	8.4	    	Loans to Participants	  	 	24	  
		 		  	8.5	    	Default on Plan Loans	  	 	25	  
		 		  	8.6	    	Hardship Withdrawals	  	 	26	  
		 		  	8.7	    	Qualified Hurricane Katrina Distributions	  	 	27	  
		 		  	8.8	    	Qualified Reservist Distributions	  	 	28	  

  
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	SECTION 9	  	 	29	  
		 	Payment of Account Balances	  	 	29	  
		 		  	9.1	    	Nonforfeitability	  	 	29	  
		 		  	9.2	    	Manner of Distribution	  	 	29	  
		 		  	9.3	    	Commencement of Distributions	  	 	30	  
		 		  	9.4	    	Designation of Beneficiary	  	 	30	  
		 		  	9.5	    	Missing Participants or Beneficiaries	  	 	31	  
		 		  	9.6	    	Facility of Payment	  	 	32	  
		 		  	9.7	    	Direct Transfer of Eligible Rollover Distributions	  	 	33	  
		 		  	9.8	    	Distribution to Alternate Payees	  	 	33	  
		 		  	9.9	    	Non-Spouse Rollovers	  	 	33	  
		
	SECTION 10	  	 	34	  
		 	Absence and Reemployment	  	 	34	  
		 		  	10.1	    	Breaks in Service	  	 	34	  
		 		  	10.2	    	Resumption of Participation	  	 	34	  
		 		  	10.3	    	Leave of Absence	  	 	34	  
		 		  	10.4	    	Maternity and Paternity Absence	  	 	35	  
		
	SECTION 11	  	 	36	  
		 	The Benefits Administration Committee	  	 	36	  
		 		  	11.1	    	 Membership
	  	 	36	  
		 		  	11.2	    	 Committee’s General Powers, Rights and Duties
	  	 	36	  
		 		  	11.3	    	 Manner of Action
	  	 	37	  
		 		  	11.4	    	 Interested Committee Member
	  	 	38	  
		 		  	11.5	    	 Resignation or Removal of Committee Members
	  	 	38	  
		 		  	11.6	    	 Committee Expenses
	  	 	38	  
		 		  	11.7	    	 Information Required by Committee
	  	 	38	  
		 		  	11.8	    	 Uniform Rules
	  	 	38	  
		 		  	11.9	    	 Review of Benefit Determinations
	  	 	39	  
		 		  	11.10	    	 Committee’s Decision Final
	  	 	39	  
		 		  	11.11	    	 Indemnification
	  	 	39	  
		
	SECTION 12	  	 	40	  
		 	General Provisions	  	 	40	  
		 		  	12.1	    	Additional Employers	  	 	40	  
		 		  	12.2	    	Action by Employers	  	 	40	  
		 		  	12.3	    	Waiver of Notice	  	 	40	  
		 		  	12.4	    	Gender and Number	  	 	40	  
		 		  	12.5	    	Controlling Law	  	 	40	  
		 		  	12.6	    	Employment Rights	  	 	40	  
		 		  	12.7	    	Litigation by Participants	  	 	41	  

  
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		 		  	12.8	    	 Interests Not Transferable
	  	 	41	  
		 		  	12.9	    	 Absence of Guaranty
	  	 	41	  
		 		  	12.10	    	 Evidence
	  	 	41	  
		 		  	12.11	    	 Plan and Trust Expenses
	  	 	41	  
		
	SECTION 13	  	 	42	  
		 	Amendment and Termination	  	 	42	  
		 		  	13.1	    	 Amendment
	  	 	42	  
		 		  	13.2	    	 Termination
	  	 	42	  
		 		  	13.3	    	 Vesting and Distribution on Termination
	  	 	43	  
		 		  	13.4	    	 Notice of Amendment or Termination
	  	 	43	  
		 		  	13.5	    	 Plan Merger, Consolidation, etc.
	  	 	43	  
		
	SECTION 14	  	 	44	  
		 	The Investment Committee	  	 	44	  
		 		  	14.1	    	 Benefits Investment Committee
	  	 	44	  
		 		  	14.2	    	 Investment Committee’s General Powers, Rights and Duties
	  	 	44	  
		 		  	14.3	    	 Manner of Action of Investment Committee
	  	 	45	  
		 		  	14.4	    	 Resignation or Removal of Investment Committee Members
	  	 	45	  
		 		  	14.5	    	 Investment Committee Expenses
	  	 	46	  
		 		  	14.6	    	 Investment Managers
	  	 	46	  
		
	 SUPPLEMENT A
	  	 	A-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	A-1	  
		 	Voluntary Life Insurance for Participants	  	 	A-1	  
		
	 SUPPLEMENT B
	  	 	B-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	B-1	  
		 	Special Rules for Top-Heavy Plans	  	 	B-1	  
		
	 SUPPLEMENT C
	  	 	C-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	C-1	  
		 	Money Purchase Pension Plan for Employees	  	 	C-1	  
		
	 SUPPLEMENT D
	  	 	D-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	D-1	  
		 	Deductible Deposits	  	 	D-1	  

  
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	 SUPPLEMENT E
	  	 	E-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	E-1	  
		 	 Adoption by Argo State Bank
	  	 	E-1	  
		
	 SUPPLEMENT F
	  	 	F-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	F-1	  
		 	 Adoption by Roselle State Bank and Trust Company
	  	 	F-1	  
		
	 SUPPLEMENT G
	  	 	G-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	G-1	  
		 	 Adoption by Harris Trust Company of New York
	  	 	G-1	  
		
	 SUPPLEMENT H
	  	 	H-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	H-1	  
		 	 Adoption by Bank of Montreal
	  	 	H-1	  
		
	 SUPPLEMENT I
	  	 	I-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	I-1	  
		 	 Coverage of Former Employees of National Westminster Bank USA
	  	 	I-1	  
		
	 SUPPLEMENT J
	  	 	J-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	J-1	  
		 	 Adoption by Derivative Markets Management, Inc.
	  	 	J-1	  
		
	 SUPPLEMENT K
	  	 	K-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	K-1	  
		 	 Adoption by Harris Bank Willamette, N. A.
	  	 	K-1	  
		
	 SUPPLEMENT L
	  	 	L-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	L-1	  
		 	 Coverage of Former Employees of Marine Midland Bank, N. A.
	  	 	L-1	  
		
	 SUPPLEMENT M
	  	 	M-1	  
		 	 TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS
	  	 	M-1	  
		 	 Adoption by Harris Bank Barrington, N. A.
	  	 	M-1	  

  
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	 SUPPLEMENT N
	  	 	N-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	N-1	  
		 	Adoption by Harris Bank Libertyville	  	 	N-1	  
		
	 SUPPLEMENT O
	  	 	O-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	O-1	  
		 	Adoption by Harris Bank Hinsdale, N. A.	  	 	O-1	  
		
	 SUPPLEMENT P
	  	 	P-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	P-1	  
		 	Adoption by Harris Bank Batavia, N. A.	  	 	P-1	  
		
	 SUPPLEMENT Q
	  	 	Q-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	Q-1	  
		 	Adoption by Harris Bank Frankfort	  	 	Q-1	  
		
	 SUPPLEMENT R
	  	 	R-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	R-1	  
		 	Adoption by Harris Bank Naperville	  	 	R-1	  
		
	 SUPPLEMENT S
	  	 	S-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	S-1	  
		 	Adoption by Harris Bank St. Charles	  	 	S-1	  
		
	 SUPPLEMENT T
	  	 	T-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	T-1	  
		 	Adoption by Harris Bank Winnetka, N. A.	  	 	T-1	  
		
	 SUPPLEMENT U
	  	 	U-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	U-1	  
		 	Adoption by Harris Bank Glencoe-Northbrook, N. A.	  	 	U-1	  
		
	 SUPPLEMENT V
	  	 	V-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	V-1	  
		 	Adoption by Nesbitt Burns Securities Inc.	  	 	V-1	  

  
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	SUPPLEMENT W	  	 	W-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	W-1	  
		 	Adoption by Suburban Banks	  	 	W-1	  
		
	SUPPLEMENT X	  	 	X-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	X-1	  
		 	Coverage of Former Employees of Household International, Inc.	  	 	X-1	  
		
	SUPPLEMENT Y	  	 	Y-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	Y-1	  
		 	Adoption by Burns Fry Inc.	  	 	Y-1	  
		
	SUPPLEMENT Z	  	 	Z-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	Z-1	  
		 	Coverage of Former Employees of Key Corp.	  	 	Z-1	  
		
	SUPPLEMENT AA	  	 	AA-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	AA-1	  
		 	Adoption by Burke, Christensen & Lewis Securities, Inc.	  	 	AA-1	  
		
	SUPPLEMENT BB	  	 	BB-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	BB-1	  
		 	Coverage of Former Employees of Village Bank of Naples	  	 	BB-1	  
		
	SUPPLEMENT CC	  	 	CC-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	CC-1	  
		 	Coverage of Former Employees of Freeman Welwood Company	  	 	CC-1	  
		
	SUPPLEMENT DD	  	 	DD-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	DD-1	  
		 	Coverage of Former Employees of Century Bank	  	 	DD-1	  
		
	SUPPLEMENT EE	  	 	EE-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	EE-1	  
		 	Merger of Village Banc of Naples 401(k) Profit Sharing Plan	  	 	EE-1	  

  
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	 SUPPLEMENT FF
	  	 	FF-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	FF-1	  
		 	Merger of Century Bank 401(k) Profit-Sharing Plan	  	 	FF-1	  
		
	 SUPPLEMENT GG
	  	 	GG-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	GG-1	  
		 	Eligibility of First National Bankcorp, Inc. Employees and Merger of First National Bankcorp, Inc. 401(k) Plan	  	 	GG-1	  
		
	 SUPPLEMENT HH
	  	 	HH-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	HH-1	  
		 	Merger of First National Bankcorp, Inc. Employee Profit Sharing and Retirement Plan	  	 	HH-1	  
		
	 SUPPLEMENT II
	  	 	II-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	II-1	  
		 	Adoption by CSFBDirect Inc.	  	 	II-1	  
		
	 SUPPLEMENT JJ
	  	 	JJ-1	  
		 	TO EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN OF BANK OF MONTREAL/HARRIS	  	 	JJ-1	  
		 	Adoption by Northwestern Trust and Investors Advisory Company	  	 	JJ-1	  
		
	 SUPPLEMENT KK
	  	 	KK-1	  
		 	Roth 401(k) Contributions	  	 	KK-1	  

  
 -viii-

 EMPLOYEES’ 401(k) SAVINGS PLAN 

OF 

BANK OF MONTREAL/HARRIS 
 (As Amended and Restated Effective January 1, 2006) 
 SECTION 1

 Introduction 
  

	1.1	Purpose 

 The
Employees’ 401(k) Savings Plan of Bank of Montreal/Harris (the “plan”) is maintained by Harris N. A. (the “Harris N. A.” or the “bank” ) to enable eligible employees to provide for their future security by
accumulating funds and sharing in the contributions of their employer. The plan is intended to constitute a profit sharing plan which meets the requirements of Section 401(a) of the Internal Revenue Code. 

 

	1.2	Effective Date, Plan Year 

The plan was established as of January 1, 1916. The effective date of the amendment and restatement of the plan as set forth herein
is January 1, 2006. A “plan year” is the 12-month period beginning on January 1 and ending on the next following December 31. 
  

	1.3	Employers 

 Any subsidiary
or affiliate of the company may adopt the plan with the bank’s consent, as described in subsection 12.1. A “subsidiary” of the company is any corporation or national banking association more than 50% of the voting stock of which is
owned, directly or indirectly, by the company. An “affiliate” of the company is any entity which owns more than 50% of the voting stock of the company, any corporation or national banking association more than 50% of the voting stock of
which is owned, directly or indirectly, by the owner or owners of more than 50% of the company, or any entity which is qualified as tax-exempt under Section 501(c)(3) of the Code and with which the bank determines it has a significant
relationship. 
  

	1.4	Administration of the Plan 

The plan is administered by the Harris Benefits Administration Committee (the “committee”), as described in Section 11.
Participants will be notified of the identity of the members of the committee, and of any change in committee membership. Any notice or document required to be given to or filed with the committee will be properly given or filed if delivered or
mailed, by certified mail, postage prepaid, to the committee, in care of the bank, at Chicago, Illinois. 

  
 -1-

	1.5	Funding of Benefits 

Funds contributed under the plan are held and invested, until distribution, by a trustee (the “trustee”) appointed by the bank,
in accordance with the terms of a trust agreement between the company and the trustee which implements and forms a part of the plan. The investment practices of the plan are coordinated by the Harris Benefits Investment Committee (the
“investment committee”), as described in Section 14 hereof. Copies of the plan and trust agreement, and any amendments thereto, will be on file at the principal office of each employer which adopts the plan where they may be examined
by any participant or other person entitled to benefits under the plan. The provisions of and benefits under the plan are subject to the terms and provisions of the trust agreement. 

 

	1.6	Plan Supplements 

 The
provisions of the plan may be modified by supplements to the plan. The terms and provisions of each supplement are a part of the plan and supersede the provisions of the plan to the extent necessary to eliminate inconsistencies between the plan and
the supplement. 

  
 -2-

 SECTION 2 
 Eligibility 
  

	2.1	Participation 

 Subject to
the conditions and limitations of the plan, each employee of an employer who is a participant in the plan immediately preceding January 1, 2006 will continue as a participant on and after that date. Beginning January 1, 2006, each other
employee of an employer will become a participant in the plan as soon as administratively practicable (not to exceed six weeks) after he meets all of the following requirements: 

 

	 	(a)	He is either: 

  

	 	(i)	a citizen or resident of the United States of America; or 

  

	 	(ii)	a nonresident alien designated by the bank; 

  

	 	(b)	He is a regularly scheduled employee (as defined below); 

  

	 	(c)	He is not an excluded employee (as defined in subsection 2.6); 

  

	 	(d)	He is not a member of a group of employees covered by a collective bargaining agreement unless and to the extent the plan has been and continues to be extended to such
group by such agreement; and 

  

	 	(e)	He has not voluntarily elected, pursuant to a written agreement with his employer, to permanently waive eligibility, participation and accrual of benefits under the
plan before any such eligibility, participation or accrual commences. 

 A “regularly scheduled employee” is any
employee who receives a salary computed on an annual, monthly or semi-monthly basis, or an hourly employee whose compensation is computed on an hourly basis and who is regularly scheduled to work for the bank. 

 

	2.2	Credited Service 

 An
employee’s “credited service” means the total of his years of service computed in accordance with the following rules: 
  

	 	(a)	An employee shall be entitled to 1/12th of a year of credited service for each calendar month (or portion thereof) during which he is employed by an employer or
controlled group member. 

  
 -3-

	 	(b)	A period of concurrent employment with two or more employers or controlled group members will be considered as employment with only one of them during the period.

  

	 	(c)	Termination of employment of an employee with one employer or a controlled group member will not interrupt his credited service for purposes of the plan, if
concurrently with or immediately after such termination, he is employed by one or more other employers or controlled group members. 

  

	 	(d)	A period of unpaid leave of absence shall be considered a period of credited service unless the employee fails to return to active employment with the employer which
granted the leave at the termination thereof for any reason except death or termination of employment at or after age 55 years, in which case the employee will be considered as having resigned from the employ of his employer on the first anniversary
of the date his leave of absence began (or the date his leave of absence ended, if earlier). 

  

	2.3	Notice of Participation 

The committee will notify each employee of the date on which he becomes a participant in the plan and will furnish each participant and
each beneficiary receiving benefits under the plan with a copy of a summary plan description. 
  

	2.4	Controlled Group Member 

A “controlled group member” means: 
  

	 	(a)	any corporation which is not an employer but is a member of a controlled group of corporations (within the meaning of Section 1563(a) of the Internal Revenue Code,
determined without regard to Sections 1563(a)(4) and 1563(e)(3)(C) thereof) which contains an employer; or 

  

	 	(b)	any trade or business (whether or not incorporated) which is not an employer but is under common control with an employer (within the meaning of Section 414(c) of
the Internal Revenue Code). 

  

	2.5	Leased Employees 

 A
leased employee (as defined below) shall not be eligible to participate in the plan. A “leased employee” means any person who is not an employee of an employer but who has performed services for an employer under primary direction or
control by the employer, and either: (1) has performed at least 1,500 hours of service during any 12 consecutive month period for an employer; or (2) has performed hours of service during any 12 consecutive month period at least equal to
75% of the hours normally worked by common-law employees doing similar work for an employer. The period during which a leased employee performs services for an employer shall be taken into account for purposes of subsection 2.2 of the plan if such

  
 -4-

 
leased employee becomes an employee of an employer; unless (i) such leased employee is a participant in a money purchase pension plan maintained by the leasing organization which provides a
non-integrated employer contribution rate of at least 10 percent of compensation, immediate participation for all employees and full and immediate vesting, and (ii) leased employees do not constitute more than 20 percent of the employer’s
nonhighly compensated workforce. 
  

	2.6	Excluded Employees 

 For
purposes of subsection 2.1, an “excluded employee” means: (a) a reserve force employee; (b) a work study employee; (c) a leased employee (as defined in subsection 2.5); (d) an individual who provides services to an
employer pursuant to a contract, agreement or arrangement which designates the individual as an independent contractor or consultant, or which excludes the individual from participation in the plan; (e) an individual who provides services to an
employer pursuant to a contract, agreement or arrangement between the employer and a third party; and (f) an individual who is compensated, directly or indirectly, by an employer and whose compensation is treated by the employer at the time of
payment as not being subject to the employer’s tax withholding obligations under the Internal Revenue Code. 

  
 -5-

 SECTION 3 
 Participant Contributions 
  

	3.1	Participant 401(k) Contributions 

 Under the terms stated below, and subject to any limitations contained in the plan, a participant, if he so desires, may elect “401(k) contributions” under the plan for any plan year, beginning
with the plan year in which he becomes a participant, in an amount not more than the maximum percentage of his earnings for that year established by the committee. Each election by a participant under this subsection must be filed with his employer
at such time and in such way as the committee determines. Any 401(k) contributions made pursuant to Section 414(u) of the Code because of qualified military service are not subject to the limits under subsections 3.7, 3.8 or 7.10. 

 

	3.2	Participant After-Tax Contributions 

 Under the terms stated below, and subject to any limitations contained in the plan, a participant, if he so desires, may elect to make “after-tax contributions” under the plan for any plan year,
beginning with the plan year in which he becomes a participant, in an amount not more than the maximum percentage of his earnings for that year established by the committee. Each election by a participant under this subsection must be filed with his
employer at such time and in such way as the committee determines. For earnings paid to participants on or after January 1, 2002, no participant may elect to make after-tax contributions. 

 

	3.3	Payment of Participant Contributions 

 A participant’s 401(k) contributions shall be made by his employer on behalf of the participant, and shall reduce the participant’s compensation at the time of payment of such compensation. A
participant’s after-tax contributions shall be deducted by his employer from his compensation at the time of payment of such compensation, or may be made in any other manner approved by the committee. Amounts so deducted (or by which a
participant’s compensation has been so reduced) for any calendar month shall be paid to the trustee as soon as practicable thereafter, but no later than the 15th business day of the next following month. 

 

	3.4	Variation, Discontinuance and Resumption of Participant Contributions 

 A participant may elect to change his contribution rate (but not retroactively) within the limits specified above, to discontinue contributions or to resume contributions. Each such election by a
participant shall be made at such time and in such manner as the committee shall determine, and shall be effective only in accordance with such rules as shall be established from time to time by the committee. In accordance with rules established by
the committee, an election made by the participant may provide for an automatic increase, either in the amount or rate of his 401(k) contributions. 

  
 -6-

	3.5	Earnings for Years Ending After December 31, 2005 

 Beginning January 1, 2006, a participant’s “earnings” means the basic compensation paid to the participant for services rendered to the employers while actively participating in the
plan, including overtime, shift differential, and amounts paid to the participant under the bank’s Managerial Participation Plan and any business unit incentive compensation plan, before any reduction for 401(k) contributions he had elected
under this Section 3 or payments made on his behalf under Cafeteria Plan of Bank of Montreal/Harris (including “deemed Section 125 compensation” as defined in Revenue Ruling 2002-27); but excluding compensation for any year in
excess of $220,000, or such greater amount as may be determined by the Commissioner of Internal Revenue for that year. For purposes of calculating profit sharing earnings, as defined in subsection 3.6, the aggregate amount paid under the bank’s
Managerial Participation Plan and business unit incentive compensation plans that is included in a participant’s earnings for any year shall not exceed the greater of $100,000 or the annual rate of the participant’s base salary as of
January 1 of that year. For purposes of this subsection 3.5, compensation for a plan year shall include eligible earnings paid to a participant within 30 days after of his termination of employment if the payment is regular compensation for
services during the participant’s regular working hours, or compensation for services outside the participant’s regular working hours (such as overtime or shift differential), commissions, bonuses, or other similar payments, and, absent a
severance from employment, the payments would have been paid to the participant while the participant continued in employment with an employer. 
  

	3.6	Profit Sharing Earnings 

A participant’s “profit sharing earnings” for any year means that portion, if any, of his earnings, including any amounts
paid to the participant under the bank’s Managerial Participation Plan for that year which is paid on or after the first day of the second month next following his completion of two years of credited service. 

 

	3.7	Maximum Amount of Participant 401(k) Contributions 

 In no event shall the amount of 401(k) contributions by a participant for any calendar year exceed $15,000 (or such greater amount as is allowed under Section 402(g) of the Code). If, because of the
foregoing limitation, a portion of the 401(k) contributions made by a participant may not be credited to his account for a calendar year, such portion (and the earnings thereon) shall be distributed to the participant by April 15 of the
following calendar year. 
  

	3.8	Limitation on Participant 401(k) Contributions 

 Notwithstanding the foregoing provisions of this Section 3, in no event shall the average deferral percentage (as defined below) for any plan year of the highly compensated employees (as defined in
subsection 3.9) who are plan participants exceed the greater of: 

  
 -7-

	 	(a)	the average deferral percentage of all other participants for the immediately preceding plan year multiplied by 1.25; or 

 

	 	(b)	the average deferral percentage of all other participants for the immediately preceding plan year multiplied by 2.0; provided that the average deferral percentage of
such highly compensated employees does not exceed that of all other participants by more than 2 percentage points. 

 The
“average deferral percentage” of a group of participants for a plan year means the average of the ratios (determined separately for each participant in such group) of: (i) the 401(k) contributions made by such participant for such
plan year; to (ii) the participant’s compensation (as defined in subsection 3.9) for such plan year. For purposes of this subsection 3.9, a participant means any employee who is eligible to make 401(k) contributions under the plan. The
401(k) contributions made by the highly compensated employees will be reduced (in the order of their contribution amounts beginning with the largest amount) to the extent necessary to meet the requirements of this subsection 3.8. If, because of the
foregoing limitations, a portion of the 401(k) contributions made by a highly compensated employee may not be credited to his account for a plan year, such portion shall be distributed to such employee within two and one-half months after the end of
that plan year. The actual deferral percentage test described herein need not be met for a particular year if an employer: (1) delivers an accurate and easily understood notice to each participant within a reasonable period before the beginning
of each plan year which informs the participant of his rights and obligations under the plan; and (2) makes a fully-vested matching contribution under subsection 4.1 of at least 100% of each non-highly compensated employee’s participant
401(k) contributions up to 3% of compensation and at least 50% of the employee’s participant 401(k) contributions between 3% and 5% (“safe-harbor matching contribution”). Further, if the employer makes this matching contribution, the
rate of matching contribution for highly compensated employees may not exceed the rate of matching contribution for non-highly compensated employees at any level of compensation. Alternatively, the test in (2) above may be satisfied if the rate
of the employer’s matching contribution does not increase as the employee’s rate of 401(k) contributions increases and the amount of matching contributions made by the employer up to the level of compensation which is matched is at least
equal to the amount of matching contributions which would have been made if the employer made the matching contributions under (2) above. All safe harbor matching contributions made under this subsection 3.8 are subject to the restrictions on
distributions for hardships provided for in subsection 8.6, including the last sentence thereof. Notwithstanding any provision to the contrary, until the Plan is amended prospectively, the employers hereunder will utilize safe-harbor contributions
rather than be subject to the nondiscrimination testing hereunder. 
  

	3.9	Highly Compensated Employee 

 A “highly compensated employee” means any present or former employee who: 

  
 -8-

	 	(a)	was a 5 percent owner of an employer during the current or immediately preceding plan year; or 

 

	 	(b)	received annual compensation from the employers of more than $100,000 (or such greater amount as may be determined by the Commissioner of Internal Revenue) during the
immediately preceding plan year and was in the top-paid 20% of the employees for such year. 

 For purposes of subsections 3.8,
3.9 and 7.12, an employee’s compensation means his total cash compensation for services rendered to the employers as an employee, determined in accordance with Section 415(c)(3) of the Internal Revenue Code and the regulations thereunder,
but without regard to Sections 127 and 402(e)(3) of the Internal Revenue Code. For purposes of this subsection 3.9, compensation for a plan year shall include eligible earnings paid to a participant within 30 days after his termination of employment
if the payment is regular compensation for services during the participant’s regular working hours, or compensation for services outside the participant’s regular working hours (such as overtime or shift differential), commissions,
bonuses, or other similar payments, and, absent a severance from employment, the payments would have been paid to the participant while the participant continued in employment with an employer. 

 

	3.10	Catch-Up Contributions 

Each participant who is eligible to make 401(k) contributions under the plan and who will attain at least age 50 before the close of a
plan year shall be eligible to make catch-up contributions in accordance with, and subject to the limitations of, Section 414(v) of the Internal Revenue Code and the regulations thereunder. If the plan satisfies the universal availability
requirement of Treasury Regulation Section 1.414(v)-1(e) before an acquisition or disposition described in Treasury Regulation Section 1.410(b)-2(f) and would fail to satisfy the universal availability requirement merely because of such
event, then the plan shall continue to be treated as satisfying Treasury Regulation Section 1.414(v)-1(e) through the end of the period determined under Section 410(b)(6)(C)(ii) of the Internal Revenue Code. Catch-up contributions shall
not be taken into account for purposes of the annual addition limitation (defined in subsection 7.10) or the dollar limitation on 401(k) contributions (defined in subsection 3.7). These contributions will not be counted for purposes of, and the plan
shall not be treated as failing to satisfy, the average deferral percentage test (defined in subsection 3.8), the top-heavy requirements (defined in Supplement B) or the provisions of Sections 401(k)(3), 401(k)(11), 401(k)(12), if applicable, and
410(b) of the Internal Revenue Code. The maximum amount of catch-up contributions a participant can make in each plan year is as follows: 
  

					
	 Plan Year
	  	Catch-up Contribution Limit	 
	 2002
	  	$	1,000	  
	 2003
	  	$	2,000	  
	 2004
	  	$	3,000	  

  
 -9-

						
	 2005
	  	 	$	                        4,000	 
	 2006 or thereafter
	  	 	$	                        5,000	 

 For plan years beginning after December 31, 2006, the catch-up contribution limit shall be subject to adjustments
based on cost-of-living increases at the same time and in the same manner as adjustments under Code Section 415(d). A participant’s election to make catch-up contributions shall be made at such time and in such manner as the committee may
determine. In accordance with rules established by the committee, a participant who is otherwise making 401(k) contributions and is at least age 50 by the end of any Plan Year may be deemed to have elected to make catch-up contributions, or 401(k)
contributions may be recharacterized as catch-up contributions, to help satisfy the average deferral percentage test of subsection 3.8. Catch-up contributions shall be allocated to participant 401(k) contribution accounts. No employer matching
contributions shall be made with respect to catch-up contributions. 

  
 -10-

 SECTION 4 
 Employer Contributions 
  

	4.1	Employer Matching Contributions 

 For each plan year (or such other period as the committee may establish), each employer will make a “matching contribution” to the trustee in an amount equal to 100% of the first 5 percent of
the 401(k) contributions for each employee employed by it during any period of a participant’s participation in the plan, and any such contribution may be made in the form of cash or BMO stock, in the employer’s discretion. Any matching
contributions made on 401(k) contributions which are made under Section 414(u) of the Code because of qualified military service are not subject to the limits under subsections 7.10 or 7.11. 

 

	4.2	Aggregate Employer Profit Sharing Contribution 

 For each plan year, the bank, in its discretion, may specify either the employers’ aggregate profit sharing contribution to be made under the plan for that year or a definite basis or formula by
which such aggregate profit sharing contribution can be determined within a reasonable time after the end of that plan year. 
  

	4.3	Individual Employer Profit Sharing Contribution 

 For each plan year, each employer will contribute to the trustee that portion of the aggregate profit sharing contribution, if any, established by the bank for such plan year under subsection 4.2 which
the profit sharing contribution allocated to the accounts of participants employed by it on the last day of such year bears to the total profit sharing contribution allocated to the accounts of all participants for that year. Appropriate adjustments
shall be made in the case of a participant who was not employed by an employer for the entire year. An employer may also make a special contribution in such amount as is necessary to provide for restorative action with respect to participants’
accounts if it is determined that the appropriate amount of contributions or earnings was not credited to or appropriate investment fund transfers were not made with respect to such participants’ accounts. Such special contribution shall be
allocated and credited only to the accounts of the participants involved. Any profit sharing contributions made under Section 414(u) of the Code because of “qualified military service” are not subject to the limits under subsection
7.10. 
  

	4.4	Limitations on Employer Contributions 

 Each employer’s total contribution for a plan year is conditioned on its deductibility under Section 404 of the Internal Revenue Code in that year, shall comply with the contribution limitations
set forth in subsection 7.10 and the allocation limitations contained in subsection 7.12, and shall not exceed an amount equal to the maximum amount deductible on account thereof by the employer for that year for purposes of federal taxes on income.

  
 -11-

	4.5	Payment of Employer Contributions 

 Each employer’s profit sharing contribution under subsection 4.3 of the plan for any plan year shall be due on the last day of that plan year and, if not paid by the end of that year, shall be
payable to the trustee as soon as practicable thereafter, without interest, but no later than the time prescribed by law for filing the employer’s federal income tax return for such year, including extensions thereof. Each employer’s
matching contribution under subsection 4.1 of the plan for any period shall be due on the last day of that period and, if not paid by the end of that period, shall be payable as soon as practicable thereafter, without interest, but no later than
thirty days after the end of the period. 
  

	4.6	Verification of Employer Contributions 

 If for any reason the bank decides to verify the correctness of any amount or calculation relating to an employer’s contribution for any plan year, the certificate of an independent accountant
selected by the bank as to the correctness of any such amount or calculation shall be conclusive on all persons. 
  

	4.7	No Interest in Employers 

The employers shall have no right, title or interest in the trust fund, nor shall any part of the trust fund revert or be repaid to an
employer, directly or indirectly, unless: 
  

	 	(a)	the Internal Revenue Service initially determines that the plan, as applied to such employer, does not meet the requirements of Section 401(a) of the Internal
Revenue Code, in which event the contributions made to the plan by such employer shall be returned to it within one year after such adverse determination; 

  

	 	(b)	a contribution is made by such employer by mistake of fact and such contribution is returned to the employer within one year after payment to the trustee; or

  

	 	(c)	a contribution conditioned on the deductibility thereof is disallowed as an expense for federal income tax purposes and such contribution (to the extent disallowed) is
returned to the employer within one year after the disallowance of the deduction. 

 Contributions may be returned to an employer
pursuant to subparagraph (a) above only if they are conditioned upon initial qualification of the plan, and an application for determination was made by the time prescribed by law for filing the employer’s Federal income tax return for the
taxable year in which the plan was adopted (or such later date as the Secretary of the Treasury may prescribe). The amount of any contribution that may be returned to an employer pursuant to subparagraph (b) or (c) above must be reduced by
any portion thereof previously distributed from the trust fund and by any losses of the trust fund allocable thereto, and in no 

  
 -12-

 
event may the return of such contribution cause any participant’s account balances to be less than the amount of such balances had the contribution not been made under the plan. 

  
 -13-

 SECTION 5 
 The Trust Fund and the Investment Funds 
  

	5.1	The Trust Fund 

 The
“trust fund” will consist of all money, stocks, bonds, securities and other property held or acquired by the trustee in accordance with the plan and the trust agreement. 

 

	5.2	The Investment Funds 

The trust fund shall consist of such investment funds as the investment committee shall determine from time to time. Pending investment,
reinvestment or distribution as provided in the plan, the trustee may temporarily retain the assets of any one or more of the investment funds in cash, commercial paper, short-term obligations, or undivided interests or participation’s in
common or collective short-term investment funds. Any investment fund may be partially or entirely invested in any common or commingled fund or in any group annuity, deposit administration or separate account contract issued by a legal reserve life
insurance company which is invested generally in property of the kind specified for the investment fund. The investment committee, in its discretion, may direct the trustee to establish such investment funds or to terminate any of the investment
funds as it shall from time to time consider appropriate and in the best interests of the participants. The funds established hereunder may be referred to collectively as the “investment funds” and individually as an “investment
fund.” 
  

	5.3	Investment Fund Elections 

A participant from time to time may elect one or more of the investment funds for the investment of all or a portion of his contributions
and the employer contributions on his behalf. Each such election shall be made at such time, in such manner, and with respect to such investment funds as the committee shall determine, and shall be effective only in accordance with such rules as the
committee shall establish. If a participant fails to make an election under this subsection 5.3, his contributions and his share of the employer contributions will be invested in such investment fund as shall be designated by the committee.

  

	5.4	Investment Fund Transfers 

A participant may elect that all or a part of his interest in an investment fund shall be liquidated and the proceeds thereof transferred
to one or more of the other investment funds. Each such election shall be made at such time, in such manner, and with respect to such investment funds as the committee shall determine, and shall be effective only in accordance with such rules as
shall be established from time to time by the committee. In addition, each such election shall be effective only in accordance with such trading restrictions (which may include prohibitions on trading in some or all of the investment funds for
certain time periods) as may be established from time to time by the investment committee to prevent harm to other 

  
 -14-

 
participants, to prevent abusive trading practices, to prevent “frequent trading” (as may be defined by the investment committee or the issuer of any investment company selected as an
investment fund) or to comply with the terms relating to any investments (including but not limited to prospectuses). The investment committee may establish rules pursuant to which an additional fee may be imposed upon a participant due to the
participant’s trading activity in an investment fund, and may have such fee paid to an investment company selected as an investment fund, to an investment fund or to the Plan. Whenever the investment committee establishes such rules, it may be
designed to reflect past trading activity of participants, and any restrictions may be implemented before notice of the restrictions is given to the participants. 

  
 -15-

 SECTION 6 
 Period of Participation 
  

	6.1	Normal Retirement 

 A
participant’s “normal retirement date” will be the last day of the month in which he attains age sixty-five years (his “normal retirement age”). A participant’s right to his account balances shall be nonforfeitable on
and after his normal retirement age. A participant may be retired on or after his normal retirement date if: 
  

	 	(a)	He was employed by an employer in a bona fide executive or high policy-making position for the 2-year period immediately preceding his retirement date; and

  

	 	(b)	He is then entitled to an immediate nonforfeitable retirement benefit from all pension and profit sharing plans of the employers (adjusted in accordance with rules and
regulations issued by the Secretary of Labor) which is equivalent to an annual life annuity of at least $44,000. 

  

	6.2	Settlement Date 

 A
participant’s “settlement date” will be the accounting date coincident with or next following the date on which his employment with all of the employers is terminated for any reason. If a participant is transferred from employment
with an employer to employment with a controlled group member then, for the purpose of determining when his settlement date occurs under this subsection 6.2, his employment with such controlled group member (or any controlled group member to which
he is subsequently transferred) shall be considered as employment with the employers. Notwithstanding any provision to the contrary if a participant’s status changes from an employee to “leased employee,” such status change will not
be a “settlement date.” 
  

	6.3	Restricted Participation 

If (i) payment of all of a participant’s account balances is not made at his settlement date; or (ii) a participant
transfers to a controlled group member or no longer meets the requirements of subparagraphs 2.1(a) through (d); the participant or his beneficiary will be treated as a participant for all purposes of the plan, except as follows: 

 

	 	(a)	The participant will not share in employer contributions after his settlement date, or during any period he is either employed by a controlled group member or fails to
meet the requirements of subparagraphs 2.1(a) through (d); except as provided in subsection 7.5. 

  

	 	(b)	 The participant may not make contributions under Section 3 after his settlement date or during any period he is either employed by a controlled

  
 -16-

	 	
group member or fails to meet the requirements of subparagraphs 2.1 (a) through (d). 

  

	 	(c)	The beneficiary of a deceased participant cannot designate a beneficiary under subsection 9.4. 

 

	 	(d)	Neither the participant nor his beneficiary shall be permitted to approve or disapprove any amendment of the plan or the trust agreement. 

If a participant whose participation in the plan is restricted for the reason specified in (ii) above subsequently is employed by an employer or
meets the requirements of subparagraphs 2.1 (a) through (d), he will again become an active participant in the plan on the date he is reemployed or satisfies such requirements. 

  
 -17-

 SECTION 7 
 Accounting 
  

	7.1	Separate Accounts 

 The
committee will maintain the following accounts in the name of each participant: 
  

	 	(a)	a “401(k) contribution account,” which will reflect his 401(k) contributions and catch-up contributions, if any, under the plan, and the income, losses,
appreciation and depreciation attributable thereto; 

  

	 	(b)	an “after-tax contribution account” which shall consist of two sub-accounts — one to reflect his after-tax contributions, if any, made prior to
January 1, 1987 and the income, losses, appreciation and depreciation attributable thereto, and the other to reflect his after-tax contributions, if any, made after December 31, 1986 and before January 1, 2002 and the income, losses,
appreciation and depreciation attributable thereto; and 

  

	 	(c)	an “employer contribution account” which will reflect his share of employer contributions under the plan, and the income, losses, appreciation and
depreciation attributable thereto. 

 The committee also may maintain such other accounts in the names of participants or
otherwise as it considers advisable. Unless the context indicates otherwise, references in the plan to a participant’s “account” or “accounts” means all accounts maintained in his name under the plan. 

 

	7.2	Accounting Dates 

 A
“regular accounting date” is the last day of each plan year. A “special accounting date” is the last day of each calendar month, any other date designated as such by the committee and a special accounting date occurring under
subsection 13.3. The term “accounting date” includes a regular accounting date, special accounting date and daily valuation date if so designated by the committee. A daily valuation date is any business day where both the U.S. securities
exchanges are open for trading and the bank is open for business. 
  

	7.3	When Employer Contributions Considered Made 

 For purposes of this Section 7, each employer’s matching contributions for any accounting period under the plan will be considered to have been made on the last day of that period, and each
employer’s profit sharing contributions for any plan year will be considered to have been made on the last day of that year, regardless of when paid to the trustee. 

  
 -18-

	7.4	Adjustment of Participants’ Accounts 

 As of each accounting date the committee shall: 
  

	 	(a)	First, credit participants’ accounts with their pro rata share of any increase or charge such accounts with their pro rata share of any decrease in the
value of the adjusted net worth (as defined below) of each investment fund in which such accounts have an interest as of that date; 

  

	 	(b)	Next, credit participant’s contributions, if any, that are to be credited as of that date in accordance with subsection 7.6; and 

 

	 	(c)	Next, allocate and credit employer contributions, if any, that are to be credited as of that date in accordance with subsection 7.5; and

  

	 	(d)	Next, charge to the participant’s account any loan made pursuant to subsection 8.4, and credit any principal and interest paid by the participant on the
loan since the preceding accounting date; and 

  

	 	(e)	Next, charge to the proper accounts all payments or distributions made since the last preceding accounting date that have not been charged previously; and

  

	 	(f)	Finally, credit to the proper accounts and charge the proper accounts of the participant each investment fund transfer made since the last accounting date.

 The “adjusted net worth” of an investment fund as at any date means the then net worth of such investment fund as
determined by the trustee. Notwithstanding any provision to the contrary, if any amounts are refunded (directly or indirectly) by the investment funds, such refunds (and any earnings thereon) shall be considered “earnings” for such funds
as of the first accounting date coincident with or following their receipt, and shall be allocated only to those participants with an investment in such fund as of that accounting date. 

 

	7.5	Allocation of Employer Contributions 

 Subject to subsections 7.10 and 7.12, each employer’s contributions to the plan will be allocated and credited to the accounts of participants as follows: 

 

	 	(a)	As of each accounting date, the employer’s matching contribution for the period ending on that date shall be allocated and credited to the employer contribution
accounts of those participants who made 401(k) contributions in accordance with the provisions of subsection 4.1 of the plan. 

  

	 	(b)	 As of each regular accounting date, the employer’s profit sharing contribution, if any, for the plan year ending on that date shall be allocated
and credited to the employer contribution accounts of those participants who were employed by that employer during that year (excluding participants who terminated 

  
 -19-

	 	
employment during the year before age 55 years for a reason other than death), pro rata, according to the profit sharing earnings (as defined in subsection 3.7) paid to them, respectively, by
such employer during that plan year. 

  

	7.6	Crediting of Participant Contributions 

 Subject to subsections 3.8 and 7.12, each participant’s 401(k) contributions and catch-up contributions, if any, will be credited to his 401(k) contribution account, and each participant’s
after-tax contributions will be credited to his after-tax contribution account, as of the accounting date which ends the accounting period of the plan for which such contributions were made. 

 

	7.7	Charging Distributions 

All payments or distributions made to a participant or his beneficiary will be charged to the appropriate accounts of such participant.

  

	7.8	Rollovers 

 At the
direction of the committee, and in accordance with such rules as the committee may establish from time to time, rollovers described in Section 402(c) of the Internal Revenue Code, rollover contributions described in Section 408(d)(3) of
the Internal Revenue Code and benefits of an employee under another plan which meets the requirements of Section 401(a) of the Internal Revenue Code may be received by the trustee, and will be credited to an account established in the name of
the employee. Any amount received by the trustee for an employee in accordance with the preceding sentence shall be adjusted from time to time in accordance with subparagraph 7.4(b) and shall be fully vested in the employee for whom it is held under
the plan. As long as rollovers are separately accounted for, they will not be subject to any restrictions described in subsections 8.1, 8.2 or 8.6. 
  

	7.9	Statement of Account 

 As
soon as practicable after the last day of each plan year, each participant will be furnished with a statement reflecting the condition of his accounts in the trust fund as of that date. No participant, except one authorized by the committee, shall
have the right to inspect the records reflecting the accounts of any other participant. 
  

	7.10	Contribution Limitations 

For each plan year, the annual addition (as defined below) to a participant’s accounts under the plan shall not exceed the lesser of
$44,000 (or such greater amount allowed under Section 415(c)(1) of the Code) or 100% of the participant’s Section 415 compensation (as defined below) during that plan year. The term “annual addition” for any plan year means
the sum of the employer contributions, participant contributions (excluding catch-up contributions) and forfeitures credited to a participant’s accounts for that year. Any participant contributions which cannot be allocated to a participant
because of the foregoing 

  
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limitations (and any gains attributable thereto) shall be returned to him. Any employer contributions which cannot be allocated to a participant because of the foregoing limitations shall be
applied to reduce employer contributions in succeeding plan years, in order of time. The term “Section 415 compensation” shall mean the safe harbor definition of compensation set forth in Treasury Regulation Section 1.415(c)-2(d)(4),
including, effective as of January 1, 2009, any differential wage payments (as defined in Section 3401(h)(2) of the Code). Notwithstanding the foregoing, section 415 compensation for a plan year shall include compensation paid to the
participant by the later of 2-1/2 months after the participant’s severance from employment with an employer or the end of the plan year that includes the date of the participant’s severance from employment with an employer if: (i) the
payment is regular compensation for services during the participant’s regular working hours, or compensation for services outside the participant’s regular working hours (such as overtime or shift differential), commissions, bonuses, or
other similar payments, and, absent a severance from employment, the payments would have been paid to the participant while the participant continued in employment with an employer; (ii) the payment is for unused accrued bona fide vacation time
that the participant would have been able to use if employment had continued; or (iii) the payment is received by the participant pursuant to a nonqualified unfunded deferred compensation plan, but only if the payment would have been paid at
the same time if employment had continued and only to the extent the payment is includible in gross income. Any other payments shall not be considered compensation if paid after severance from employment, even if they are paid by the later of 2-1/2
months after the date of severance from employment or the end of the plan year that includes the date of severance from employment, except: (i) payments to an individual who does not currently perform services for an employer by reason of
qualified military service (within the meaning of Section 414(u)(1) of the Internal Revenue Code) to the extent these payments do not exceed the amounts the individual would have received if the individual had continued to perform services for
the employer rather than entering qualified military service; or (ii) compensation paid to a participant who is permanently and totally disabled, as defined in Section 22(e)(3) of the Internal Revenue Code, provided that either salary
continuation applies to all participants who are permanently and totally disabled for a fixed or determinable period, or the participant was not a highly compensated employee immediately before becoming disabled. Notwithstanding any provision of the
plan to the contrary, section 415 compensation shall not include amounts in excess of the limitation under Section 401(a)(17) of the Internal Revenue Code in effect for the plan year. 

 

	7.11	Limitation on Allocation of Contributions 

 Notwithstanding the foregoing provisions of this Section 7, in no event shall the contribution percentage (as defined below) of the highly compensated employees (as defined in subsection 3.10) who
are plan participants for any plan year exceed the greater of: 
  

	 	(a)	the contribution percentage of all other participants for the immediately preceding plan year multiplied by 1.25; or 

  
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	 	(b)	the contribution percentage of all other participants for the immediately preceding plan year multiplied by 2.0; provided that the contribution percentage of the highly
compensated employees does not exceed that of all other participants by more than 2 percentage points. 

 The “contribution
percentage” of a group of participants for a plan year means the average of the ratios (determined separately for each participant in such group) of: (i) the sum of employer matching contributions and participant after-tax contributions
allocated to such participant for such plan year; to (ii) the participant’s compensation (as defined in subsection 3.10) for such plan year. For purposes of this subsection 7.11, a participant means any employee who is directly or
indirectly eligible to receive employer matching contributions or to make participant after-tax contributions under the plan. The employer matching contributions allocated to and participant after-tax contributions made by the highly compensated
employees will be reduced (in the order of their contribution amounts beginning with the largest amount) to the extent necessary to meet the requirements of this subsection 7.11. If, because of the foregoing limitations, a portion of the matching
contributions allocated to or the after-tax contributions made by a highly compensated employee may not be credited to his account for a plan year, such portion shall be distributed to such employee within two and one-half months after the end of
that plan year. Notwithstanding any provision to the contrary, an employer need not satisfy the contribution percentage test if it meets the requirements of (1) or (2) below. The requirements of (1) are satisfied if the employer meets
the notice and matching contribution requirements under subsection 3.8 and the matching contribution also is not made on employee deferrals which exceed 6% of compensation, the rate of the matching contribution does not increase as the rate of the
employee’s deferrals increases and the matching contribution for highly compensated employees at any rate of deferral does not exceed the rate of the matching contribution for non-highly compensated employees. The requirements of (2) are
satisfied if the employer makes a matching contribution of 100% of each non-highly compensated employee’s deferrals (which cannot exceed $6,000) which do not exceed 3% of compensation or a nonelective contribution of 2% for each non-highly
compensated employee’s compensation, no other employer contributions are made under any other “qualified” plan for any participant for that plan year, and all contributions are fully-vested and nonforfeitable at all times.
Notwithstanding any provision to the contrary, until the Plan is amended prospectively, the employers hereunder will utilize safe-harbor contributions rather than be subject to the nondiscrimination testing hereunder. 

 

	7.12	Allocation of Earnings to Distributions of Excess Contributions 

 The earnings allocable to distributions of 401(k) contributions exceeding the limits of subsection 3.8, 401(k) contributions exceeding the limits of subsection 3.8 and after-tax contributions exceeding
the limits of subsection 7.11 shall be determined by multiplying the earnings attributable to the participant’s 401(k) and/or after-tax contributions for the year by a fraction, the numerator of which is the applicable excess amount, and the
denominator of which is the balance in the appropriate account of the participant on the last day of such year reduced by gains (or increased by losses) attributable to such account for the year. Further,

  
 -22-

 
the income allocable to excess 401(k) contributions, excess matching contributions, and excess deferrals may be determined by any reasonable nondiscriminatory method elected by the benefits
administration committee, provided such method applies to all participants and all corrective distributions for that plan year. 

  
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 SECTION 8 
 Withdrawals and Loans During Employment 
  

	8.1	Withdrawal of Participant Contributions 

 A participant may elect to withdraw all or any portion of the after-tax contributions then credited to his account. A participant who has attained age 59 1/2 may elect to withdraw all or any portion of the balance then
credited to his 401(k) contribution account. Each election by a participant under this subsection 8.1 shall be made at such time, in such manner, and in accordance with such rules as the committee shall establish. 

 

	8.2	General Account Withdrawals 

 A participant may elect to withdraw any portion of his employer contribution account in excess of employer contributions paid to the trustee on his behalf within two years of the date payment is made to
the trustee and any portion of his rollover account at any time; provided, however, the two years’ restriction shall not apply if the participant incurs a hardship as defined in subsection 8.6. Each request for withdrawal by a participant under
this subsection 8.2 shall be made at such time, in such manner, and in accordance with such rules as the committee shall establish. Each such withdrawal shall be paid to the participant as soon as practicable after the date as of which it is
effective after all plan accounting required on or before such withdrawal is completed. Except as provided in subsection 8.6, a participant may not withdraw any portion of the balance of his 401(k) contribution account or any portion of safe-harbor
matching contribution made under subsection 3.8 of the plan (or earnings thereon) until the participant has attained age
59 1/2. 

 

	8.3	Charging of Withdrawals 

All withdrawals by a participant under subsection 8.1 or 8.2 shall be charged to the interest of the participant’s account in the
investment funds on a proportionate basis. Any withdrawal by a participant under subsection 8.2 shall be deemed to apply first to his after-tax contributions, and then to employer contributions and trust fund earnings allocated to his account. In
determining the amount any participant may withdraw hereunder, any unpaid loan or loans theretofore made to the participant as permitted under subsection 8.4 shall be taken into account. 

 

	8.4	Loans to Participants 

While it is the primary purpose of the plan to accumulate funds for the participants when they retire, it is recognized that under some
circumstances it is in the best interests of participants to permit loans to be made to them while they continue in the active service of the employers. Accordingly, the committee, pursuant to such rules as it may from time to time establish, and
upon written application by a participant supported by such evidence as the committee requests, may direct the trustee to make a loan from the trust fund to a participant subject to the following: 

  
 -24-

	 	(a)	The principal amount of any loan made to a participant, when added to the outstanding balance of all other loans made to the participant from all qualified plans
maintained by the employers, shall not exceed the lesser of: 

  

	 	(i)	$50,000, reduced by the excess (if any) of the highest outstanding balance during the one-year period ending immediately preceding the date of the loan, over the
outstanding balance on the date of the loan, of all such loans from all such plans; or 

  

	 	(ii)	one-half of the participant’s vested account balances under the plan. 

 

	 	(b)	Each loan must be evidenced by a written note in a form approved by the committee, shall bear interest at a reasonable rate, and shall require substantially level
amortization (with payments at least quarterly) over the term of the loan. 

  

	 	(c)	Each loan shall specify a repayment period that shall not extend beyond five years. 

 

	 	(d)	The committee, in its discretion, may charge the participant a reasonable fee for administering a loan made to him under the plan. 

 

	 	(e)	A participant may not borrow any portion of the balance in his Supplement D account. 

 

	 	(f)	Participant loans will be made only to active employees (including those on an authorized leave of absence or on long-term disability) and the committee shall adopt
such other rules regarding the minimum amount of any loan (which cannot exceed $1,000), the number of any loans which may be outstanding, and any other terms and conditions of participant loans, which shall apply to similarly-situated participants
in a uniform and non-discriminatory manner. 

  

	8.5	Default on Plan Loans 

Participants will be considered in default of a plan loan pursuant to the following: 

 

	 	(a)	A participant who has terminated employment with the employers (including a deceased participant) will be in default of a plan loan if, on the earlier of the date he
(or his beneficiary) receives a distribution of benefits under the plan or the last day of the calendar month following ninety (90) days from his date of termination (“default date”), any loan or portion of a loan made to him under
the plan, remains unpaid. The principal balance plus accrued interest will be considered as a payment to the participant as of his default date for income tax purposes. 

  
 -25-

	 	(b)	A participant who is actively employed by an employer but who is not on a leave of absence or long-term disability will be considered in default on a plan loan at the
end of the calendar quarter following the end of a calendar quarter during which the participant has not made the required payments on the loan. A participant who is actively employed by an employer but who is on a leave of absence or long-term
disability will be considered in default of a plan loan on the first January 1, April 1, July 1 or October 1 following any twelve month period during which the participant has not made the required payments on the loan.
When such a default occurs, the principal balance plus accrued interest will be considered a distribution to the participant as of that date for income tax purposes. 

 

	 	(c)	Loan payments shall be suspended under the plan as permitted under Section 414(u) of the Code. 

If a participant is (i) actively employed with an employer, (ii) on an authorized leave of absence, or (iii) covered under long-term
disability by an employer and defaults on a loan made to him under the plan, he may not request another loan from the plan, unless the participant repays the loan to the plan within the required 5-year period. 

 

	8.6	Hardship Withdrawals 

 A
participant may elect to make in-service withdrawals from a portion of his 401(k) contribution account, subject to the restrictions hereunder provided that the withdrawal is a “hardship withdrawal.” Each such election shall be filed with
the committee at such time and in such manner as the committee shall determine effective in accordance with such rules as the committee shall establish from time to time. No withdrawal shall be made hereunder until all permitted withdrawals have
been made under subsections 8.2 and 8.3, and all loans have been made under subsection 8.4. A participant may withdraw from his 401(k) contribution account an amount equal to the 401(k) contributions (but no earnings thereon) made after
January 1, 2002. A withdrawal pursuant to this subsection shall be made from the investment funds in which the applicable accounts are invested in accordance with rules established by the committee. Any hardship withdrawal must be for at least
$1,000. A hardship withdrawal is one that is necessary because of a hardship causing immediate and heavy financial need on the participant and that is necessary to satisfy such financial need, including any amounts necessary to pay any federal,
state or local income taxes or penalties reasonably anticipated to result from the withdrawal. A participant will be deemed not to have other resources available to meet an immediate and heavy financial need if: (1) he has taken all loans
available to him pursuant to subsection 8.4; (2) the amount of withdrawal does not exceed the amount necessary to satisfy the immediate financial need; and (3) his ability to make 401(k) contributions is suspended for six months. The
committee shall determine whether a participant has incurred an immediate and heavy financial need on the basis of all relevant facts and circumstances and a withdrawal will be deemed to be on account of a substantial financial hardship if it is on
account of: 

  
 -26-

	 	(a)	Expenses for medical care (as described in Section 213(d) of the Internal Revenue Code that would be deductible under Section 213(a) of the Internal Revenue
Code, ignoring the adjusted gross income limitation); 

  

	 	(b)	purchase (excluding mortgage payments) of a principal residence of the participant; 

 

	 	(c)	payment of tuition-related educational fees, and room and board for the next twelve months of post-secondary education for the participant or the participant’s
spouse, children, or dependents (as defined in Section 152 of the Code, without regard to (b)(1), (2) or (d)(1)(B thereunder; 

  

	 	(d)	the need to prevent the eviction of the participant from his principal residence or foreclosure on the mortgage of the participant’s principal residence; or

  

	 	(e)	payment of burial or funeral expenses for the participant’s deceased parent, spouse, children or dependents (as defined in Section 152 of the Internal Revenue
code without regard to (d)(1)(B) thereunder; 

  

	 	(f)	payment of expenses for the repair of damage to the participant’s principal residence that would qualify for the casualty deduction under Section 165 of the
Internal Revenue Code (determined without regard to whether the loss exceeds 10% of adjusted gross income); 

  

	 	(g)	expenses qualifying under (a), (c) or (e) above, for a “primary beneficiary” of the participant, who is any individual named as a beneficiary of the
participant who has a right to any portion of the participant’s account balance if the participant dies. 

 In order for the
committee to verify whether a participant has an actual substantial financial hardship for which a withdrawal will be authorized the committee may request that the participant provide all information that the committee may request with regard to the
nature of the hardship, the amount required to satisfy the financial hardship, his financial status and the availability of other resources (such as insurance reimbursement, reasonable liquidation of assets, cessation of 401(k) contributions,
available qualified plan distributions or loans or commercial loans on reasonable terms) to meet such hardship. However, absent actual knowledge to the contrary, the committee may rely on the participant’s written representation that his
immediate and heavy financial need could not be satisfied from other sources reasonably available to the participant. A participant may not elect to make a hardship withdrawal of any portion of his safe-harbor matching contributions made on his
behalf under subsection 3.8. 
  

	8.7	Qualified Hurricane Katrina Distributions 

 If a participant or beneficiary has a principal place of abode on August 28, 2005 within the State of Louisiana, Mississippi, Alabama or Florida and receives a loan or

  
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distribution from the plan between August 25, 2005 and December 31, 2006, up to $100,000 of such loan or distribution may be designated by the participant or beneficiary to be a
“Katrina distribution.” A “Katrina distribution” may: (1) be recontributed to the plan without violating any limitation hereunder, provided the distribution qualified under subsection 9.7 of the plan; (2) include
participant 401(k) contributions, employer matching contributions or employer profit sharing contributions, even if otherwise ineligible for distribution hereunder; (3) be eligible for direct rollover under subsection 9.7 of the plan, even if
not eligible under the provisions thereof; (4) if a loan, may exceed the limitations under subsection 8.4 and the terms of repayment for existing and new loans may be suspended until December 31, 2006. The committee may rely on reasonable
representations of a participant in administering this subsection 8.7. 
  

	8.8	Qualified Reservist Distributions 

 A Participant may apply for a withdrawal of all or any portion of his or her Elective Contribution Account if such Participant was, by reason of being a member of a reserve component (as defined in
Section 101 of Title 37, United States Code), ordered or called to active duty after September 11, 2001, and such tour of active duty has a duration in excess of 179 days or a duration of an indefinite period. Such a withdrawal can only be
made during the period beginning on the date of such order or call and ending at the close of the active duty period. 

  
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 SECTION 9 
 Payment of Account Balances 
  

	9.1	Nonforfeitability 

 A
participant’s right to his account balances shall be fully vested and nonforfeitable at all times. 
  

	9.2	Manner of Distribution 

Subject to the conditions set forth below, after each participant’s settlement date, distribution of the net credit balances in the
participant’s accounts as at his settlement date (after all adjustments required under the plan as of that date have been made) will be made to or for the benefit of the participant, or in the case of his death to or for the benefit of his
beneficiary, by one or more of the following methods: 
  

	 	(a)	By payment in a lump sum. 

  

	 	(b)	By payment of a portion of the participant’s account balances. 

  

	 	(c)	Beginning on his required commencement date (as defined in subsection 9.3), by payment in a series of annual or more frequent installments over a period not exceeding
the “applicable distribution period” as described in Treas. Reg. § 1.401(a)(9)-5(Q&A-4), provided that if the designated beneficiary is the participant’s spouse and such spouse is more than 10 years younger than the
participant, the “applicable distribution period” for any year will be the joint life expectancy of the participant and such spouse, with such joint life expectancy determined using the expected return multiples under Section 72 of
the Code. For each participant who commenced distributions under this subparagraph prior to January 1, 2002, each distribution he receives on or after January 1, 2002 shall be calculated according to the rules described in the preceding
sentence. 

 If a participant dies after his “required commencement date” (as defined in subsection 9.3), the
remaining portion of his benefits must be distributed over a period not exceeding the life expectancy of the designated beneficiary. If a participant dies before his required commencement date, the remaining portion of benefits must be distributed
over a period not exceeding the life expectancy of the designated beneficiary, as provided in Treas. Reg. § 401(a)(9)-5(Q&A-5). A participant may select, in accordance with such rules as the committee may establish, the method of
distributing his benefits to him; a participant, if he so desires, may direct how his benefits are to be paid to his beneficiary; and the committee shall select the method of distributing the participant’s benefits to his beneficiary if the
participant has not filed a direction with the committee. A participant’s benefits shall be paid in cash; provided, however, that a participant may elect, pursuant to such rules as the committee may establish, to receive after his settlement
date a distribution of his interest in the Bank of 

  
 -29-

 
Montreal Stock Fund in the form of whole shares of Bank of Montreal common stock, with the value of any fractional share being paid in cash. For purposes of making distributions under this
subsection 9.2, the value of shares of Bank of Montreal common stock shall be determined as of the accounting date as of which the distribution is being made. All distributions under the plan shall comply with the requirements of
Section 401(a)(9) of the Internal Revenue Code and the regulations thereunder. 
  

	9.3	Commencement of Distributions 

 Except as provided below in this subsection, payment of a participant’s benefits will be made (or installment payments will commence) within a reasonable time after his settlement date, but not later
than 60 days after (a) the end of the plan year in which his settlement date occurs, or (b) such later date on which the amount of the payment can be ascertained by the committee. If a participant’s account balances at the time of
distribution do not exceed $1,000, distribution will be made before age 65 without his consent. Distribution of a participant’s benefits shall be made (or installment payments shall commence) by April 1 of the calendar year next following
the later of the calendar year in which the participant attains age 70 1/2 or the calendar year in which his settlement date occurs (his “required commencement date”); provided, however, that the required commencement date of a participant who is a five percent owner
(as defined in Section 416 of the Internal Revenue Code) with respect to the plan year ending in the calendar year in which he attains age
70 1/2 shall be April 1 of the next following
calendar year. Notwithstanding the foregoing, a participant in the plan who attained age 70 1/2 on or before December 31, 1996 and who has not reached his required commencement date (as defined above) may elect to stop receiving benefit payments until his retirement date. Notwithstanding
anything in this subsection 9.3 to the contrary, a participant or beneficiary who would have been required to receive a required distribution in 2009 (“2009 RMD”) but for the enactment of Section 401(a)(9)(H) of the Code, and who
would have satisfied the requirement by receiving the 2009 RMD, will receive the distribution in 2009 unless the participant elects not to receive the 2009 RMD. Participants and beneficiaries described in the preceding sentence will be given the
opportunity to elect not to receive the 2009 RMD. 
  

	9.4	Designation of Beneficiary 

Each participant from time to time, by signing a form furnished by the committee, may designate any person or persons (who may be
designated concurrently, contingently or successively) to whom his benefits are to be paid if he dies before he receives all of his benefits. A beneficiary designation form will be effective only when the form is filed with the committee while the
participant is alive and will cancel all beneficiary designation forms previously filed with the committee. If a participant designates someone other than (or in addition to) his spouse as his primary beneficiary, his spouse must consent in writing
to the designation. Such a consent will be effective only if it acknowledges the specific beneficiary and the effect of the beneficiary designation, is witnessed by a plan representative or a notary public, and may not be changed without further
spousal consent (unless the consent expressly permits subsequent beneficiary designations without spousal consent). If a participant 

  
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designates someone other than (or in addition to) his spouse as his primary beneficiary, and his spouse does not (or cannot) consent and is living at his death, the participant’s beneficiary
designation shall be ineffective, and his benefits shall be distributed to his spouse. If a deceased participant failed to designate a beneficiary as provided above, or if all of the designated beneficiaries die before the participant, the
participant’s benefits shall be distributed to his spouse or, if there is none, the committee shall direct the trustee to make payment of the participant’s benefits to the legal representative of his estate, provided that if no such
representative is appointed, to the person responsible for the disposition of the participant’s property. 
  

	 	(a)	To or for the benefit of any one or more of the participant’s relatives by blood, adoption or marriage who are living at his death, and in such proportions as the
committee determines; or 

  

	 	(b)	To the legal representative or representatives of the estate of the participant. 

 If a beneficiary who is living at the participant’s death dies before complete payment of the participant’s benefits, the participant’s benefits shall be distributed to the legal
representative or representatives of the estate of such beneficiary. The term “designated beneficiary” as used in the plan means the person or persons (including a trustee or other legal representative acting in a fiduciary capacity)
designated by a participant as his beneficiary in the last effective beneficiary designation form filed with the committee under this subsection and to whom a deceased participant’s benefits are payable under the plan. The term
“beneficiary” as used in the plan means the natural or legal person or persons to whom a deceased participant’s benefits are payable under this subsection. The term “spouse” as used in this subsection means the spouse to
whom the participant was married at the earlier of the date of his death or the date payment of his benefits commenced, and who is living at the date of the participant’s death. 

 

	9.5	Missing Participants or Beneficiaries 

 Each participant and each designated beneficiary must file with the committee from time to time in writing his post office address and each change of post office address. Any communication, statement or
notice addressed to a participant or beneficiary at his last post office address filed with the committee, or if no address is filed with the committee then, in the case of a participant, at his last post office address as shown on the
employers’ records, will be binding on the participant and his beneficiary for all purposes of the plan. Neither the employers nor the committee will be required to search for or locate a participant or beneficiary. If the committee notifies a
participant or beneficiary that he is entitled to a payment and also notifies him of the provisions of this subsection, and the participant or beneficiary fails to claim his benefits or make his whereabouts known to the committee within three years
after the notification, the benefits of the participant or beneficiary will be disposed of, to the extent permitted by applicable law, as follows: 

  
 -31-

	 	(a)	If the whereabouts of the participant then is unknown to the committee but the whereabouts of the participant’s spouse then is known to the committee, payment will
be made to the spouse; 

  

	 	(b)	If the whereabouts of the participant and his spouse, if any, then is unknown to the committee but the whereabouts of the participant’s designated beneficiary then
is known to the committee, payment will be made to the designated beneficiary; 

  

	 	(c)	If the whereabouts of the participant, his spouse and the participant’s designated beneficiary then is unknown to the committee but the whereabouts of one or more
relatives by blood, adoption or marriage of the participant is known to the committee, the committee may direct the trustee to pay the participant’s benefits to one or more of such relatives and in such proportions as the committee decides; or

  

	 	(d)	If the whereabouts of such relatives and the participant’s designated beneficiary then is unknown to the committee, the benefits of such participant or beneficiary
will be disposed of in an equitable manner permitted by law under rules adopted by the committee. 

 As of the end
of each plan year, if any amount is owed to any person hereunder for which a check has remained uncashed for a period of at least two years, such amount shall be deemed a forfeiture, provided that if such person later claims any amounts so
forfeited, such amount shall be paid to that person without interest. The forfeited amount may be used to reduce future employer matching contributions or used to pay proper plan expenses, in the discretion of the committee. 

 

	9.6	Facility of Payment 

 When
a person entitled to benefits under the plan is under a legal disability, is a minor, or, in the committee’s opinion, is in any way incapacitated so as to be unable to manage his financial affairs, the committee may direct the trustee to pay
the benefits to any person who has been appointed legal guardian of the minor, legal guardian of the disabled person’s estate or any person who possesses a power of attorney over the financial matters for the disabled or minor person. Any
payment made in accordance with the preceding sentence shall be a full and complete discharge of any liability for such payment under the plan. If a deceased participant dies without designating a beneficiary, or if each of his designated
beneficiaries predeceases the participant, the participant’s benefits shall be paid to his spouse or, if there is none, the trustee shall make payment of the participant’s benefits to the participant’s estate, provided that if no such
estate is created and the probate assets of the participants are less than $50,000, the trustee shall make payment to the person responsible for the disposition of the participant’s personal property. If any overpayments are made to any
participant, beneficiary or alternate payee, the Benefits Administration Committee shall notify the person receiving the overpayments, and the person receiving the overpayments shall promptly repay the plan

  
 -32-

 
the amount of overpayments. If the person does not promptly return the monies to the plan, the Benefits Administration Committee shall be authorized to commence a judicial proceeding against such
person to collect the overpayments. 
  

	9.7	Direct Transfer of Eligible Rollover Distributions 

 If payment of a participant’s benefits constitutes an eligible rollover distribution under Section 402(c)(4) of the Internal Revenue Code (including after-tax contributions described in
Section 402(c)(2) of the Internal Revenue Code), then the participant or other eligible distributee may elect to have such distribution paid directly to an eligible retirement plan described in Section 402(c)(8)(B) of the Internal Revenue
Code. Each election under this subsection 9.7 shall be made at such time and in such manner as the committee shall determine, and shall be effective only in accordance with such rules as shall be established from time to time by the committee.
Effective for distributions made after December 31, 2007, and in accordance with paragraph KK-5(b), a participant or eligible distributee may elect to have a distribution made to a Roth individual retirement account described in
Section 408A of the Code. For tax years beginning before January 1, 2010, a participant must satisfy the requirements of Section 408A(c)(3)(B) of the Code to make this election. If a distribution includes after-tax contributions, it
may be transferred only to a plan or account that agrees to separately account for amounts so transferred, including what amount is includible in gross income. 
  

	9.8	Distribution to Alternate Payees 

 If a qualified domestic relations order so provides, the committee shall direct the trustee to distribute benefits to an alternate payee as of an accounting date specified in such qualified domestic
relations order, without regard to whether such distribution is made or commences prior to the participant’s earliest retirement age (as defined in Section 414(p)(4)(B) of the Internal Revenue Code) or the earliest date that the
participant could commence receiving benefits under the plan. 
  

	9.9	Non-Spouse Rollovers 

 If,
in accordance with Section 402(c)(2) of the Code and with respect to any portion of a distribution from the Plan on behalf of a deceased Participant, a direct rollover is made to an individual retirement account on behalf of a designated
beneficiary (as defined in Section 401(a)(9)(E) of the Code) of the Participant which beneficiary is not the surviving spouse of the Participant, the direct rollover shall be treated as an eligible rollover distribution to a distributee.

  
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 SECTION 10 
 Absence and Reemployment 
  

	10.1	Breaks in Service 

 If an
employee’s employment with an employer or controlled group member should terminate and such employee is subsequently reemployed by an employer or controlled group member, the following shall apply: 

 

	 	(a)	If the employee is reemployed before he has a one-year break in service (as defined below), the credited service to which he was entitled at the time of termination
shall be reinstated and, for purposes of subparagraph 2.2(a), the period of his employment termination (but not to exceed 12 months) shall be taken into account in determining his credited service. 

 

	 	(b)	If the employee is reemployed after he has a one-year break in service (as defined below), the credited service to which he was entitled at the time of termination
shall be reinstated if he had met the requirements of subparagraph 2.1(e) prior to his termination. 

  

	 	(c)	An employee shall incur a “one year break in service” if he is not in the employ of one or more employers or controlled group members for a period of 12
consecutive months following his termination of employment with the employers and controlled group members. 

  

	10.2	Resumption of Participation 

 If a participant’s employment with all of the employers should terminate and such participant is subsequently reemployed by an employer, he shall again become a participant as soon as practicable
after his date of rehire if he then meets the requirements of subparagraphs 2.1(a) through (d). If an employee who is not participating in the plan should terminate employment and then subsequently be reemployed by an employer, his eligibility for
participation shall be determined in accordance with subsection 2.1, and he shall become a participant as soon as practicable after his date of rehire if he then meets the requirements of subparagraphs 2.1(a) through (d). 

 

	10.3	Leave of Absence 

 A leave
of absence will not interrupt continuity of service or participation in the plan. A “leave of absence” for plan purposes means an absence from work which is not treated by the employers as a termination of employment or which is required
by law to be treated as a leave of absence. Leaves of absence will be granted under employer rules applied uniformly to all employees similarly situated. Notwithstanding any provision of the plan to the contrary, contributions, benefits and service
credit with respect to qualified military service will be 

  
 -34-

 
provided in accordance with Section 414(u) of the Internal Revenue Code and the Heroes Earnings Assistance and Relief Tax Act of 2008. 

 

	10.4	Maternity and Paternity Absence 

 In the case of a maternity or paternity absence (as defined below), the one year periods beginning on the first day of such absence and the first anniversary thereof shall not constitute a one-year break
in service. A “maternity or paternity absence” means an employee’s absence from work because of the pregnancy of the employee or birth of a child of the employee, the placement of a child with the employee in connection with the
adoption of such child by the employee, or for purposes of caring for the child immediately following such birth or placement. The committee may require the employee to furnish such information as the committee considers necessary to establish that
the employee’s absence was for one of the reasons specified above. 

  
 -35-

 SECTION 11 
 The Benefits Administration Committee 
  

	11.1	Membership 

 The Harris
Benefits Administration Committee consisting of five or more persons shall be appointed by the bank as “plan administrator” to administer the plan on behalf of the bank. The Secretary of the bank shall certify to the trustee from time to
time each member of the committee, the person who is designated by the bank as the Chairperson of the committee and the person who is selected as Secretary of the committee. 

 

	11.2	Committee’s General Powers, Rights and Duties 

 Except as otherwise specifically provided and in addition to the powers, rights and duties specifically given to the committee elsewhere in the plan and the trust agreement, the committee shall have the
following discretionary powers, rights and duties: 
  

	 	(a)	To select a secretary, if it believes it advisable, who may but need not be a committee member. 

 

	 	(b)	To construe and interpret the provisions of the plan and make factual determinations thereunder, including the power to determine the rights or eligibility of employees
or participants and any other persons, and the amounts of their benefits under the plan, and to remedy ambiguities, inconsistencies or omissions, and such determinations shall be binding on all parties. Benefits under this plan will be paid only if
the committee decides in its discretion that the applicant is entitled to them. 

  

	 	(c)	To adopt such rules of procedure and regulations as in its opinion may be necessary for the proper and efficient administration of the plan and as are consistent with
the plan and trust agreement. 

  

	 	(d)	To enforce the plan in accordance with the terms of the plan and the trust agreement and the rules and regulations adopted by the committee as above.

  

	 	(e)	To direct the trustee as respects payments or distributions from the trust fund in accordance with the provisions of the plan. 

 

	 	(f)	To direct the trustee to receive funds or other property in accordance with the provisions of the plan and trust agreement. 

 

	 	(g)	To furnish the employers with such information as may be required by them for tax or other purposes in connection with the plan. 

  
 -36-

	 	(h)	To maintain and adjust participants’ accounts in accordance with the provisions of the plan and trust agreement. 

 

	 	(i)	In addition, the committee shall have the discretionary power to select and employ agents, attorneys, accountants, actuaries or other persons (who also may be employed
by the employers), to allocate or delegate to them such powers, rights and duties as the committee may consider necessary or advisable to properly carry out its administration of the plan and trust, provided that such allocation or delegation and
the acceptance thereof by such agents, attorneys, accountants, actuaries or other persons shall be in writing, and the committee shall have the power to enter into written agreements that bind the plan and trust and set forth the terms and
conditions of payment of such agents, attorneys, accountants, actuaries or other persons and provide for payment from the trust. 

  

	 	(j)	To supervise and direct the preparation and distribution of employee communications and reports regarding the plan. 

 

	11.3	Manner of Action 

 The
following provisions apply where the context admits: 
  

	 	(a)	A committee member by writing may delegate any or all of his rights, powers, duties and discretions to any other member, with the consent of the latter.

  

	 	(b)	The committee members may act by meeting or by writing signed without meeting, and may sign any document by signing one document or concurrent documents.

  

	 	(c)	An action or a decision of a majority of the members of the committee as to a matter shall be as effective as if taken or made by all members of the committee.

  

	 	(d)	If, because of the number qualified to act, there is an even division of opinion among the committee members as to a matter, a disinterested party selected by the
committee shall decide the matter and his decision shall control. 

  

	 	(e)	Except as otherwise provided by law, no member of the committee shall be liable or responsible for an act or omission of the other committee members in which the former
has not concurred. 

  

	 	(f)	The certificate of the Chairperson or of the Secretary of the committee or of a majority of the committee members that the committee has taken or authorized any action
shall be conclusive in favor of any person relying on the certificate. 

  
 -37-

	11.4	Interested Committee Member 

 If a member of the committee is also a participant in the plan, he may not decide or determine any matter or question concerning distributions of any kind to be made to him or the nature or mode of
settlement of his benefits unless such decision or determination could be made by him under the plan if he were not serving on the committee. 
  

	11.5	Resignation or Removal of Committee Members 

 A member of the committee may be removed by the bank at any time by ten days’ prior written notice to him and the other members of the committee. A member of the committee may resign at any time by
giving ten days’ prior written notice to the bank and the other members of the committee. The bank may fill any vacancy in the membership of the committee; provided, however, that if a vacancy reduces the membership of the committee to less
than five, such vacancy shall be filled as soon as practicable. The bank shall give prompt written notice thereof to the other members of the committee. Until any such vacancy is filled, the remaining members may exercise all of the powers, rights
and duties conferred on the committee. 
  

	11.6	Committee Expenses 

 All
costs, charges and expenses reasonably incurred by the committee will be paid from the trust fund unless paid by the employers in such proportions as the bank may direct. No compensation will be paid to a committee member as such. 

 

	11.7	Information Required by Committee 

 Each person entitled to benefits under the plan shall furnish the committee with such documents, evidence, data or information as the committee considers necessary or desirable for the purpose of
administering the plan. The employers shall furnish the committee with such data and information as the committee may deem necessary or desirable in order to administer the plan. The records of the employers as to an employee’s or
participant’s period of employment, termination of employment and the reason therefor, leave of absence, reemployment and earnings will be conclusive on all persons unless determined to the committee’s satisfaction to be incorrect. For
purposes of subsections 2.1, 2.5 and 2.6 of the plan, the committee shall rely on and shall not be required to review the determination by any employer as to whether any person who performs services for that employer is or is not an employee of that
employer and any determination made by an employer shall be final, binding, and conclusive on all persons. 
  

	11.8	Uniform Rules 

 The
committee shall administer the plan on a reasonable and nondiscriminatory basis and shall apply uniform rules to all persons similarly situated. 

  
 -38-

	11.9	  Review of Benefit Determinations 

   The committee will provide notice in writing to any participant or beneficiary whose claim for benefits under the plan is denied and the committee shall afford such participant or beneficiary
a full and fair review of its decision if so requested. 
  

	11.10	  Committee’s Decision Final 

   Subject to applicable law, any interpretation of the provisions of the plan and any decisions on any matter within the discretion of the committee made by the committee in good faith shall be
binding on all persons. A misstatement or other mistake of fact shall be corrected when it becomes known and the committee shall make such adjustment on account thereof as it considers equitable and practicable. 

 

	11.11	  Indemnification 

   To the extent permitted by law, no present or former investment committee member, any present or former committee member, nor any person who is or was a director, officer, or employee of an
employer, shall be personally liable for any act done or omitted to be done in good faith in the administration of the plan or trust. Any employee of an employer to whom the committee, the investment committee or the bank has delegated any portion
of its responsibilities under the plan or trust, any person who is or was a director or officer of an employer, members and former members of the committee, members and former members of the investment committee, and each of them, shall, to the
extent permitted by law, be indemnified and saved harmless by the employers (to the extent not indemnified or saved harmless under any liability insurance or other indemnification arrangement with respect to the plan or this trust) from and against
any and all liability (including any judgments, losses, damages, civil penalties, excise taxes, interest and any other form of liability of any kind) or claim of liability (as defined above and including any investigatory action) to which they may
be subjected by reason of any act done or omitted to be done in good faith in connection with the administration of the plan or trust or the investment of the trust fund, including all expenses reasonably incurred in their defense if the employers
fail to provide such defense after having been requested to do so in writing. To the extent permitted by law, payments under this paragraph 11.11 may also be made from the trust fund. 

  
 -39-

 SECTION 12 
 General Provisions 
  

	12.1	Additional Employers 

 Any
subsidiary or affiliate may adopt the plan and become a party to the trust agreement if the bank agrees to such adoption, which may occur in any document or agreement authorized or agreed to by the bank. 

 

	 	(a)	Filing with the trustee a written instrument executed by an officer to that effect; and 

 

	 	(b)	Filing with the trustee a written instrument executed by an officer of the bank consenting to such action. 

A subsidiary or affiliate of the company may, with the consent of the bank, provide in the instrument by which it adopts the plan that only certain
groups or classifications of its employees shall be included, and be considered as employees, under the plan. 
  

	12.2	Action by Employers 

 Any
action required or permitted to be taken by an employer under the plan shall be by resolution of its Board of Directors, by resolution of a duly authorized committee of its Board of Directors, or by a person or persons authorized by resolution of
its Board of Directors or such committee. 
  

	12.3	Waiver of Notice 

 Any
notice required under the plan may be waived by the person entitled to such notice. 
  

	12.4	Gender and Number 

 Where
the context admits, words in the masculine gender shall include the feminine and neuter genders, the singular shall include the plural, and the plural shall include the singular. 

 

	12.5	Controlling Law 

 Except
to the extent superseded by laws of the United States, the laws of Illinois shall be controlling in all matters relating to the plan. 
  

	12.6	Employment Rights 

 The
plan does not constitute a contract of employment, and participation in the plan will not give any employee the right to be retained in the employ of an employer, nor any 

  
 -40-

 
right or claim to any benefit under the plan, unless such right or claim has specifically accrued under the terms of the plan. 

 

	12.7	    Litigation by Participants 

     If a legal action begun against the trustee, an employer or the committee or any member thereof by or on behalf of any person results adversely to that person, or if a legal action
arises because of conflicting claims to a participant’s or other person’s benefits, the cost to the trustee, the employers or the committee or any member thereof of defending the action will be charged to the extent permitted by law to the
sums, if any, which were involved in the action or were payable to the person concerned. If any judicial or arbitration proceeding is undertaken to appeal the denial of a claim or bring any other action under Section 502 of ERISA other than a
breach of fiduciary duty claim, the evidence presented will be strictly limited to the evidence timely presented to the Benefits Administration Committee. In addition, any such judicial proceeding must be filed within 6 months after the
Committee’s final decision. 
  

	12.8	    Interests Not Transferable 

     The interests of persons entitled to benefits under the plan are not subject to their debts or other obligations and, except as may be required by the tax withholding provisions of
the Internal Revenue Code or any state’s income tax act or pursuant to a qualified domestic relations order as defined in Section 414(p) of the Internal Revenue Code, may not be voluntarily or involuntarily sold, transferred, alienated,
assigned or encumbered. 
  

	12.9    Absence	of Guaranty 

    Neither the committee nor the employers in any way guarantee the trust fund from loss or depreciation. The
liability of the trustee or the committee to make any payment under the plan will be limited to the assets held by the trustee which are available for that purpose. 
  

	12.10  	Evidence 

    Evidence required of anyone under the plan may be by certificate, affidavit, document or other information which
the person acting on it considers pertinent and reliable, and signed, made or presented by the proper party or parties. 
  

	12.11  	Plan and Trust Expenses 

    As provided in the trust, reasonable expenses of the plan and trust shall be paid from the trust fund to the
extent not paid by the employers. In accordance with rules established by the committee and disclosed to participants, expenses to be paid from the trust fund may be drawn from participants’ accounts, in the form of a flat fee, charges for
specific services, or a percentage of the value of each account, or earnings or gains in each investment fund. Expenses directly related to the investment of a particular investment fund (such as brokerage, postage, express and insurance charges,
and transfer taxes) shall be paid from that fund. 

  
 -41-

 SECTION 13 
 Amendment and Termination 
  

	13.1	Amendment 

 While the
employers expect and intend to continue the plan, the bank reserves the right to amend the plan (in accordance with the procedures set forth in subsection 12.2) from time to time, except as follows: 

 

	 	(a)	The duties and liabilities of the committee cannot be changed substantially without its consent; 

 

	 	(b)	No amendment shall reduce the value of a participant’s benefits to less than the amount he would be entitled to receive if he had resigned from the employ of all
of the employers on the date of the amendment; 

  

	 	(c)	Except as provided in subsection 4.7, under no condition shall an amendment result in the return or repayment to any employer of any part of the trust fund or the
income from it or result in the distribution of the trust fund for the benefit of anyone other than persons entitled to benefits under the plan; and 

  

	 	(d)	No amendment to change the method of allocating any employer’s contributions to participants’ accounts, require a change in the vesting or distribution
provisions or reduce amounts then credited to participants’ accounts shall be effective as applied to the bank unless and until approved by employee-participants employed by the bank and representing not less than fifty-one percent of the total
amount contributed by the bank and allocated to the accounts of employee-participants employed by the bank on the last day of the preceding calendar year. 

 

	13.2	Termination 

 The plan
will terminate as to all employers on any date specified by the company (in accordance with the procedures set forth in subsection 10.2) if thirty days’ advance written notice of the termination is given to the committee, the trustee and the
other employers. The plan will terminate as to an individual employer on the first to occur of the following: 
  

	 	(a)	The date it is terminated by that employer (in accordance with the procedures set forth in subsection 10.2) if 30 days’ advance written notice of the termination
is given to the committee, the trustee and the other employers. 

  

	 	(b)	The date that employer is judicially declared bankrupt or insolvent. 

  

	 	(c)	The date that employer completely discontinues its contributions under the plan. 

  
 -42-

	 	(d)	The dissolution, merger, consolidation or reorganization of that employer, or the sale by that employer of all or substantially all of its assets, except that:

  

	 	(i)	in any such event arrangements may be made with the consent of the company whereby the plan will be continued by any successor to that employer or any purchaser of all
or substantially all of its assets, in which case the successor or purchaser will be substituted for that employer under the plan and the trust agreement; and 

 

	 	(ii)	if an employer is merged, dissolved, or in any other way reorganized into, or consolidated with, any other employer, the plan as applied to the former employer will
automatically continue in effect without a termination thereof. 

  

	13.3	Vesting and Distribution on Termination 

 On termination or partial termination of the plan, the date of termination will be a “special accounting date” and, after all adjustments then required have been made, each affected
participant’s benefits will be nonforfeitable and will be distributable to the participant or his beneficiary in accordance with the provisions of Section 9. 
  

	13.4	Notice of Amendment or Termination 

 Participants will be notified of an amendment or termination of the plan within a reasonable time. 
  

	13.5	Plan Merger, Consolidation, etc. 

 In the case of any merger or consolidation with, or transfer of assets or liabilities to, any other plan, each participant’s benefits if the plan terminated immediately after such merger,
consolidation or transfer shall be equal to or greater than the benefits he would have been entitled to receive if the plan had terminated immediately before the merger, consolidation or transfer. 

  
 -43-

 SECTION 14 
 The Investment Committee 
  

	14.1	Benefits Investment Committee 

 The investment committee shall consist of five or more persons appointed by the bank to coordinate the investment practices of the plan. The secretary of the bank shall certify to the trustee from time to
time each member of the investment committee, the person who is designated by the Bank as the Chairperson of the investment committee and the person who is selected as secretary of the investment committee. 

 

	14.2	Investment Committee’s General Powers, Rights and Duties 

 Except as otherwise specifically provided and in addition to the powers, rights and duties specifically given to the investment committee elsewhere in the plan and the trust agreement, the investment
committee shall have the following discretionary powers, rights and duties: 
  

	 	(a)	To select a secretary, if it believes it advisable, who may but need not be an investment committee member. 

 

	 	(b)	To establish and administer an investment policy for the plan. 

  

	 	(c)	To furnish the employers, upon request, such reports with respect to the investments of the plan as are reasonable and appropriate. 

 

	 	(d)	To receive and review reports of the financial condition and of the receipts and disbursements of the trust fund from the trustee. 

 

	 	(e)	To appoint or employ investment managers to manage any part or all of the plan’s assets, and to select investment funds available for investment under the plan.

  

	 	(f)	To select and employ agents, attorneys, accountants, actuaries or other persons (who also may be employed by the employers) and to allocate or delegate to them such
powers, rights and duties as the investment committee may consider necessary or advisable to properly carry out its administration of the plan and this trust, provided that such allocation or delegation and the acceptance thereof by such agents,
attorneys, accountants, actuaries or other persons, shall be in writing and the investment committee shall have the power to enter into written agreements that bind the plan and trust and set forth the terms and conditions of payment of such agents,
attorneys, accountants, actuaries or other persons and provide for payment from the trust. 

  
 -44-

	14.3	Manner of Action of Investment Committee 

 The following provisions apply where the context admits: 
  

	 	(a)	An investment committee member by writing may delegate any or all of his rights, powers, duties and discretions to any other member, with the consent of the latter.

  

	 	(b)	The investment committee members may act by meeting or by writing signed without meeting, and may sign any document by signing one document or counterpart documents.

  

	 	(c)	An action or a decision of a majority of the members of the investment committee as to a matter shall be as effective as if taken or made by all members of the
investment committee. If the investment committee is considering exercising its power and authority to impose trading restrictions pursuant to subsection 5.4 of the plan, any two members may adopt such restrictions pursuant to subsection 5.4 without
a meeting, provided notice of the adoption of such restrictions is given within a reasonable time to the other investment committee members. 

  

	 	(d)	If, because of the number qualified to act, there is an even division of opinion among the investment committee members as to a matter, a disinterested party selected
by the investment committee shall decide the matter and his decision shall control. 

  

	 	(e)	Except as otherwise provided by law, no member of the investment committee shall be liable or responsible for an act or omission of the other investment committee
members in which the former has not concurred. 

  

	 	(f)	The certificate of the chairperson or of the secretary of the investment committee or of a majority of the investment committee members that the investment committee
has taken or authorized any action shall be conclusive in favor of any person relying on the certificate. 

  

	14.4	Resignation or Removal of Investment Committee Members 

 A member of the investment committee may be removed by the bank at any time by ten days’ prior written notice to him and the other members of the investment committee. A member of the investment
committee may resign at any time by giving ten days’ prior written notice to the bank and the other members of the investment committee. The bank may fill any vacancy in the membership of the investment committee; provided, however, that if a
vacancy reduces the membership of the investment committee to less than five, such vacancy shall be filled as soon as practicable. The bank shall give prompt written notice thereof to the other members of the investment committee. Until any such
vacancy is filled, the remaining 

  
 -45-

 
members may exercise all of the powers, rights and duties conferred on the investment committee. 
  

	14.5	Investment Committee Expenses 

 All costs, charges and expenses reasonably incurred by the investment committee will be paid from the trust fund pursuant to the trust agreement unless paid by the employers in such proportions as the
bank may direct. No compensation will be paid to an investment committee member as such. 
  

	14.6	Investment Managers 

 The
investment committee may appoint one or more investment managers to manage the investment of any part or all of the assets of the trust fund. Appointment of an investment manager shall be made by written notice to the investment manager and the
trustee, which notice shall specify those powers, rights and duties of the trustee under this agreement that are delegated to the investment manager and that portion of the assets of the trust fund subject to investment management. An investment
manager so appointed pursuant to this paragraph shall be either a registered investment adviser under the investment advisers act of 1940, a bank, as defined in said act, or an insurance company qualified to manage, acquire and dispose of the assets
of the plan under the laws of more than one state of the United States. Any such investment manager shall acknowledge to the investment committee in writing that it accepts such appointment and that it is a fiduciary with respect to the plan and
trust. An investment manager may resign at any time upon at least 30 days advance written notice to the trustee and the investment committee. The investment committee may remove an investment manager at any time by written notice to the investment
manager and the trustee. 

  
 -46-

 SUPPLEMENT A 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Voluntary Life Insurance for Participants 

A-1. Elections. Subject to the conditions and limitations set forth below in this Supplement A, a Participant may elect to have
part of his account balance invested in one or more permanent life insurance policies issued on the life of the Participant, his spouse and/or his children and held by the Trustee. A Participant may elect to discontinue premium payments on any such
policy, or to have any such policy surrendered for cash and the cash proceeds thereof credited to his account. Unless waived by the Committee, each election by a Participant under this paragraph A-1 must be in writing and filed with the Committee at
such time, in such manner, and in accordance with such rules as the Committee shall establish. Each life insurance policy purchased on the life of the Participant, his spouse and/or his children shall be issued by such insurance company, and shall
contain such provisions, as the Committee may determine. Notwithstanding the foregoing, participants are no longer permitted to purchase life insurance policies under the plan. 

A-2. Premium Payments. The following rules shall apply with respect to any premium payments on life insurance policies purchased
under this Supplement A: 
  

	 	(a)	The Trustee shall not make any premium payment if it exceeds an amount equal to that portion of the Participant’s account balance which he would be entitled to
receive (after any charges required under the Plan) if his termination occurred on the premium payment date. 

  

	 	(b)	Except as provided in subparagraph (c) below, any premium payment made by the Trustee on a life insurance policy for or on behalf of a Participant will be limited
so that the total amount of such premium payment and the aggregate of such premium payments theretofore made by the Trustee for or on behalf of the Participant will be less than an amount equal to the sum of: (i) the total unwithdrawn
contributions made by the Participant under the Plan (other than contributions made under Supplement C and D); and (ii) 25% of the total of the Employer contributions and Forfeitures theretofore credited to the Participant’s account under
the Plan. 

  

	 	(c)	The limitations contained in subparagraph (b) above shall not apply if the premium payment will not reduce the Participant’s account balance to less than an
amount equal to the Employer contributions credited to the Participant’s account in the 24-month period ending on the premium payment date. 

  
 A-1

 A-3. Accounting. Premium payments made by the Trustee in accordance with an election
under paragraph A-1 will be charged in accordance with subparagraph 7.4(a) of the Plan to the respective accounts of the Participants as of the first day of the valuation period during which the premium payment is made; provided, however, that if at
a Participant’s termination date premium payments have been made by the Trustee but not charged to the Participant’s account, the such premium payments shall be charged to the Participant’s account before any other adjustments
required under the Plan as of that date. 
 A-4. Manner of Distributing Life Insurance Benefits. Subject to the
provisions of subsection 9.3 of the Plan, after each Participant’s termination date any life insurance policy issued on the life of the Participant, his spouse and/or his children and held by the Trustee shall be assigned to the Participant. In
the event of the death of the insured under such a policy, the policy may be assigned to the beneficiary thereunder, or the proceeds thereof may be paid to such beneficiary or, if the Trustee is the beneficiary, credited to the Participant’s
account. 

  
 A-2

 SUPPLEMENT B 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Special Rules for Top-Heavy Plans 

B-1. Purpose and Effect. The purpose of this Supplement B is to comply with the requirements of Section 416 of the Internal
Revenue Code of 1986, as amended, but these provisions shall not apply for any plan year that the only contributions made hereunder are 401(k) contributions and safe-harbor matching contributions which meets the requirements of subsections 3.8 and
7.5. 
 B-2. Top-Heavy Plan. In general, the Plan will be a top-heavy plan for any plan year if, as of the last day of
the preceding plan year (the “determination date”), the aggregate account balances of Participants who are key employees (as defined in Section 416(i)(1) of the Internal Revenue Code) exceed 60 percent of the aggregate account
balances of all Participants. In making the foregoing determination, the following special rules shall apply: 
  

	 	(a)	A Participant’s account balance shall be increased by the aggregate distributions, if any, made with respect to the Participant during the 5-year period ending on
the determination date (or 5-year period ending on that date, if the distribution is for a reason other than death, disability or termination of employment). 

 

	 	(b)	The account balances of a Participant who was previously a key employee, but who is no longer a key employee, shall be disregarded. 

 

	 	(c)	The accounts of a beneficiary of a Participant shall be considered accounts of the Participant. 

 

	 	(d)	The account balances of a Participant who did not perform any services for an Employer during the 1-year period ending on the determination date shall be disregarded.

 B-3. Key Employee. In general, a “key employee” is an Employee who, at any time during the
plan year ending on the determination date, is: 
  

	 	(a)	an officer of the employer receiving annual compensation greater than $140,000 (or such greater amount pursuant to Section 416(i)(1)(A)(i) of the Code).

  
 B-1

	 	(b)	a 5 percent owner of an Employer; or 

  

	 	(c)	a 1 percent owner of an Employer receiving annual compensation from the Employers of more than $150,000. 

B-4. Minimum Employer Contribution. For any plan year in which the Plan is a top-heavy plan, the Employer contribution credited to
each Participant who is not a key employee shall not be less than 3 percent of such Participant’s compensation for that year. In no event, however, shall the Employer contribution credited in any year to a Participant who is not a key employee
(expressed as a percentage of such Participant’s compensation) exceed the maximum Employer contribution credited in that year to a key employee (expressed as a percentage of such key employee’s compensation up to $220,000). Any safe-harbor
matching contributions made under subsection 3.9 shall be considered an employer contribution under this subsection B-4. 
 B-5.
Maximum Earnings. For any plan year in which the Plan is a top-heavy plan, a Participant’s compensation in excess of $220,000 (or such greater amount as may be determined by the Commissioner of Internal Revenue for that plan year) shall
be disregarded for purposes of subsection 6.4 of the Plan. 
 B-6. Aggregation of Plans. In accordance with
Section 416(g)(2) of the Internal Revenue Code, other plans maintained by the Employers may be required or permitted to be aggregated with this Plan for purposes of determining whether the Plan is a top-heavy plan. 

B-7. No Duplication of Benefits. If the Employers maintain more than one plan, the minimum Employer contribution otherwise
required under paragraph B-4 above may be reduced in accordance with regulations of the Secretary of the Treasury to prevent inappropriate duplication of minimum contributions or benefits. 

B-8. Use of Terms. All terms and provisions of the Plan shall apply to this Supplement B, except that where the terms and
provisions of the Plan and this Supplement B conflict, the terms and provisions of this Supplement B shall govern. 

  
 B-2

 SUPPLEMENT C 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Money Purchase Pension Plan for Employees 

C-1. Purpose. The purpose of this Supplement C is to establish a money purchase pension plan to allow certain Employees of the
Employers who are not Participants in the Plan to make voluntary contributions under this Supplement C. 
 C-2. Effective
Date. The effective date of this Supplement C is January 1, 1981. This Supplement C shall cease to be effective after December 31, 1994. 
 C-3. Participation. Each Employee of an Employer who is a Participant in this Supplement C (a “Supplement C Participant”) on January 1, 1982 will continue as a Supplement C
Participant, subject to the provisions of paragraph C-11 below, after that date. Each other Employee of an Employer who is not a Participant in the Plan shall become a Supplement C Participant on the last day of the month, beginning January 31,
1982, coincident with or next following the date he meets all of the following requirements: 
  

	 	(a)	He is either a citizen or resident of the United States of America; 

  

	 	(b)	His salary from his Employer is computed on an annual, monthly or semi-monthly basis; and 

 

	 	(c)	He has completed one year of credited service. 

 C-4. Amount of Contributions. Under the terms stated below, and subject to any limitations contained in the Plan or this Supplement C, a Supplement C Participant, if he so desires, may elect to
make contributions under this Supplement C for any calendar year, beginning with the later of the calendar year ending December 31, 1981 or the calendar year in which he becomes a Supplement C Participant, in an amount not more than ten percent
of his compensation (as defined in subsection 3.2 of the Plan) for that year. Each such election by a Supplement C Participant under this paragraph C-4 must be in writing and filed with his Employer at such time and in such way as the Committee
determines, and shall be deemed to be an irrevocable designation that such contributions are not to be treated as “qualified voluntary employee contributions” under Section 219 of the Internal Revenue Code of 1954. 

C-5. Changes in Contributions. A Supplement C Participant may elect to vary his contributions under this Supplement C within the
limits specified in paragraph C-4, or he may elect to discontinue such contributions effective as of the beginning of any pay period. If a Supplement C Participant discontinues his contributions, he may resume such

  
 C-1

 
contributions only as of a date specified for that purpose by the Committee. Each such election shall be made at such time, in such manner, and in accordance with such rules as the Committee
shall establish. 
 C-6. Payment of Contributions. A Supplement C Participant’s contributions may be made by regular
payroll deductions or in any other way approved by the Committee. Supplement C Participant contributions deducted by an Employer shall be paid by such Employer to the Trustee. 
 C-7. Withdrawal of Contributions. A Supplement C Participant may elect to withdraw all or any portion of the contributions made under this Supplement C and then credited to his Supplement C
account, provided that no withdrawal under this Paragraph C-7 shall be for less than $200, unless approved by the Committee. Each election by a Participant under this paragraph C-7 shall be permitted only at such time, in such manner, and in
accordance with such rules as the Committee shall establish. 
 C-8. Investment of Contributions. Contributions under
this Supplement C normally will be invested in the Guaranteed Fund. However, a Supplement C Participant may elect to have all or a portion of his contributions under this Supplement C invested in one or more of the other Investment Funds (other than
the Employer Stock Fund). Subject to the foregoing limitations of this paragraph, a Supplement C Participant may also elect that all or a part of his interest in an Investment Fund shall be liquidated and the proceeds thereof transferred to one or
more of the other Investment Funds. Each election by a Participant under this paragraph C-8 shall be permitted only at such time, in such manner, and in accordance with such rules as the Committee shall establish. 

C-9. Accounting. If a Supplement C Participant elects to make contributions, the Committee shall maintain a “Supplement C
account” in his name which will reflect his contributions under this Supplement C and the income, losses, appreciation and depreciation attributable thereto. As of each valuation date, the Committee shall: 

 

	 	(a)	First, charge to each Supplement C account all payments or distributions made from such account since the last preceding valuation date that have not been
charged previously; 

  

	 	(b)	Next, credit each Supplement C account with its pro rata share of any increase or charge such account with its pro rata share of any decrease in the value of the
“adjusted net worth” of each Investment Fund in which it has an interest as of that date; and 

  

	 	(c)	Finally, credit each Supplement C Participant’s contributions made since the last preceding valuation date to his Supplement C account.

 Contributions not yet allocated to Supplement C accounts will be excluded in determining the adjusted net worth of an
Investment Fund. 

  
 C-2

 C-10. Vesting. The right of a Supplement C Participant to the balance in his
Supplement C account, as adjusted under paragraph C-9 above, shall be nonforfeitable at all times. 
 C-11. Transfer of
Accounts. If a Supplement C Participant becomes a Participant in the Plan, he shall cease to be a Supplement C Participant, and the balance in his Supplement C account shall be transferred to the account maintained in his name under the Plan and
thereafter shall be held and distributed in accordance with the terms of the Plan. 
 C-12. Distribution. If a Supplement
C Participant should terminate employment with all of the Employers for any reason before he becomes a Participant in the Plan, the balance in his Supplement C account shall be paid to him, or in the event of his death to his beneficiary, in a lump
sum. 
 C-13. Use of Terms. All terms and provisions of the Plan shall apply to this Supplement C, except that where the
terms and provisions of the Plan and this Supplement C conflict, the terms and provisions of this Supplement C shall govern. 

  
 C-3

 SUPPLEMENT D 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Deductible Deposits 
 D-1. Purpose. The purpose of this Supplement D is to allow certain Employees of the Employers to make deductible employee contributions (“deposits”) under this Supplement D. All deposits
made under this Supplement D will be treated as “qualified voluntary employee contributions” under Section 219 of the Internal Revenue Code of 1954. Voluntary contributions made under Section 3 or Supplement C of the Plan may not
be treated as qualified voluntary employee contributions. 
 D-2. Effective Date. The effective date of this Supplement D
is January 1, 1982. 
 D-3. Participation. Each Employee of an Employer shall become a Participant in this
Supplement D (a “Supplement D Participant”) on the date as of which he becomes either a Participant in the Plan or a Supplement C Participant, but not prior to January 1, 1982. 

D-4. Amount of Deposits. Under the terms stated below, and subject to any limitations contained in the Plan or this Supplement D,
a Supplement D Participant, if he so desires, may elect to make deposits under this Supplement D for any calendar year, beginning with the later of the calendar year ending December 31, 1982 or the calendar year in which he becomes a Supplement
D Participant, in an amount not more than the lesser of: (a) $2,000, or (b) 100% of his compensation (whether or not earned as a Supplement D Participant) for that year. Each such election by a Supplement D Participant under this paragraph
D-4 must be in writing and filed with his Employer at such time and in such way as the Committee determines, but not later than the end of the calendar year for which such deposits are to be made. A Supplement D Participant may not make deposits
under this Supplement D for any calendar year ending after the earlier of (i) the date he attains age 70-1/2 years, or (ii) December 31, 1986. 
 D-5. Deduction or Payment of Deposits. A Supplement D Participant’s deposits must be made in cash by the end of the calendar year for which they are made. Such deposits may be made by regular
payroll deductions or in any other way approved by the Committee. Supplement D Participant deposits deducted by an Employer shall be paid by such Employer to the Trustee. 
 D-6. Variation, Discontinuance and Resumption of Deposits. A Supplement D Participant may elect to change his deposit rate (but not retroactively) within the limits

  
 D-1

 
specified in paragraph D-4 above, to discontinue making deposits or to resume deposits. Each such election shall be made at such time, in such manner, and in accordance with such rules as the
Committee shall establish. 
 D-7. Investment of Deposits. Deposits under this Supplement D normally will be invested in
the Guaranteed Fund. However, a Supplement D Participant may elect to have all or a portion of his deposits under this Supplement D invested in one or more of the other Investment Funds (other than the Employer Stock Fund). Subject to the foregoing
limitations of this paragraph, a Supplement D Participant may also elect that all or a part of his interest in an Investment Fund shall be liquidated and the proceeds thereof transferred to one or more of the other Investment Funds. Each election by
a Participant under this paragraph D-7 shall be permitted only at such time, in such manner, and in accordance with such rules as the Committee shall establish. 
 D-8. Accounting. If a Supplement D Participant elects to make deposits, the Committee shall maintain a “Supplement D account” in his name which will reflect his deposits under this
Supplement D and the income, losses, appreciation and depreciation attributable thereto. As of each valuation date, the Committee shall: 
  

	 	(a)	First, charge to each Supplement D account all payments or distributions made from such account since the last preceding valuation date that have not been
charged previously; 

  

	 	(b)	Next, credit each Supplement D account with its pro rata share of any increase or charge such account with its pro rata share of any decrease in the value of the
“adjusted net worth” of each Investment Fund in which it has an interest as of that date; and 

  

	 	(c)	Finally, credit each Supplement D Participant’s deposits made since the last preceding valuation date to his Supplement D account. 

Deposits not yet allocated to Supplement D accounts will be excluded in determining the adjusted net worth of an Investment Fund. 

D-9. Vesting. The right of a Supplement D Participant to the balance in his Supplement D account, as adjusted under paragraph D-8
above, shall be nonforfeitable at all times. 
 D-10. Withdrawal of Deposits. If the Committee so provides, a Supplement
D Participant may elect to withdraw all or any portion of the amount then credited to his Supplement D account. Each election by a Participant under this paragraph D-10 shall be permitted only at such time, in such manner, and in accordance with
such rules as the Committee shall establish. Any amounts withdrawn by a Participant from his Supplement D account shall be treated as a distribution of his “accumulated deductible employee contributions” under Section 72 of the
Internal Revenue Code of 1954. 

  
 D-2

 D-11. Loans. The balance in a Participant’s Supplement D account shall be
excluded for purposes of determining the amount of any loan which may be made to the Participant under subsection 7.6 of the Plan. 
 D-12. Distribution. As soon as practicable after each Participant’s settlement date, the balance in the Participant’s Supplement D account (after all adjustments required under paragraph
D-8 as of that date have been made) will be distributed to him by one of the following methods: 
  

	 	(a)	By a lump sum payment. 

  

	 	(b)	By transfer to an individual retirement account established by the Participant. 

 A Supplement D Participant may elect the method of distributing his benefits under this paragraph D-12; provided that if a Participant fails to make such an election within the time prescribed by the
Committee, his Supplement D account shall be distributed under subparagraph (a) above. 
 D-13. Use of Terms. All
terms and provisions of the Plan shall apply to this Supplement D, except that where the terms and provisions of the Plan and this Supplement D conflict, the terms and provisions of this Supplement D shall govern. 

  
 D-3

 SUPPLEMENT E 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Argo State Bank 

E-1. On July 31, 1982 (the “Closing Date”), Harris Bankcorp, Inc. acquired 100% of the voting shares of Argo State Bank
(“Argo”). Effective as of the Closing Date, Argo adopted Employees’ Savings and Profit Sharing Plan of Harris N. A. and Affiliated Companies (the “Harris Plan”) for the benefit of its eligible employees and became a party to
Employees’ Savings and Profit Sharing Trust Fund of Harris N. A. and Affiliated Companies as an employer thereunder. Prior to the Closing Date, Argo was an employer under a savings plan (the “Argo Plan”) for the benefit of certain of
its eligible employees. 
 E-2. Salaried employees of Argo on the Closing Date who, immediately prior to that date, were covered
under the Argo Plan will become Participants in the Harris Plan effective as of the Closing Date. Other salaried employees of Argo on the Closing Date will become Participants in the Harris Plan on the earlier of the date they satisfy the
eligibility requirements of the Harris Plan or the date they would have satisfied the eligibility requirements of the Argo Plan. Employees hired by Argo after the Closing Date will become Participants in the Harris Plan on the date they satisfy the
eligibility requirements of the Harris Plan. 
 E-3. The last continuous period of employment of an employee with Argo prior to
the Closing Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan. 
 E-4. All provisions of the Harris Plan, to the extent that they are consistent with the provisions of this Supplement, shall apply to employees of Argo covered under the Harris Plan. Unless the context
clearly implies or indicates the contrary, a word, term or phrase used in the Harris Plan is similarly used or defined in this Supplement. 

  
 E-1

 SUPPLEMENT F 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Roselle State Bank and Trust Company 

F-1. Introduction. Effective as of January 1, 1983, Roselle State Bank and Trust Company (“Roselle”) adopted
Employees’ Savings and Profit Sharing Plan of Harris N. A. and Affiliated Companies (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan (the “Roselle Plan”) incorporated in Roselle
State Bank and Trust Company Profit Sharing Plan and Trust (the “Roselle Trust”). The Roselle Trust is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Harris N. A. and Affiliated
Companies. 
 F-2. Participation in the Harris Plan. Employees of Roselle on December 31, 1982 who were covered
under the Roselle Plan on that date will become Participants in the Harris Plan effective as of January 1, 1983. Other employees of Roselle will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the
Harris Plan. The last continuous period of employment of an employee with Roselle prior to January 1, 1983 shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan.

 F-3. Employer Contributions by Roselle. Notwithstanding the provisions of subsection 4.3 of the Harris Plan, for
each calendar year for which Roselle has been designated as a Separate Employer pursuant to Section 17 or subsection 4.1 of the Harris Plan, Roselle will contribute to the Harris Plan such amount, if any, as shall be determined by the
Board of Directors of Roselle. The provisions of this paragraph F-3 shall cease to be effective after December 31, 1994. 

F-4. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the
Roselle Plan whose interest thereunder is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 F-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement F, except that where the terms and provisions of the Harris Plan and this Supplement F conflict, the
terms and provisions of this Supplement F shall govern. 

  
 F-1

 SUPPLEMENT G 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Trust Company of New York 

G-1. Introduction. On or about September 30, 1983, Harris Trust Company of New York (“HTCNY”) acquired the
Shareholder Services operations of Chemical Bank (“Chemical”), and certain employees of Chemical (“Transferred Employees”) transferred to employment with HTCNY. Effective as of January 3, 1984, HTCNY adopted Employees’
Savings and Profit Sharing Plan of Harris N. A. and Affiliated Companies (the “Harris Profit Sharing Plan”) for the benefit of its eligible employees and became a party to Employees’ Savings and Profit Sharing Trust Fund of Harris N.
A. and Affiliated Companies as an Employer thereunder. Prior to their employment by HTCNY, certain Transferred Employees were covered under Profit Sharing Plan of Chemical Bank and Certain Affiliates (the “Chemical Profit Sharing Plan”).

 G-2. Participation in the Harris Profit Sharing Plan. Transferred Employees who were covered under the Chemical Profit
Sharing Plan immediately prior to their employment with HTCNY will become Participants in the Harris Profit Sharing Plan effective as of the date of their employment by HTCNY. Other Transferred Employees will become Participants in the Harris Profit
Sharing Plan upon the completion of three years of credited service. A Transferred Employee’s last continuous period of employment with Chemical prior to his employment by HTCNY shall be included in his credited service. Other employees hired
by HTCNY will become participants in the Harris Profit Sharing Plan when they satisfy the eligibility requirements of the Harris Profit Sharing Plan. 
 G-3. Use of Terms. All terms and provisions of the Harris Profit Sharing Plan shall apply to this Supplement G, except that where the terms and provisions of the Harris Profit Sharing Plan and this
Supplement G conflict, the terms and provisions of this Supplement G shall govern. 

  
 G-1

 SUPPLEMENT H 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Bank of Montreal 

H-1. Introduction. Effective as of September 4, 1984, Harris Bankcorp, Inc. became a wholly owned subsidiary of Bank of
Montreal (“BMO”). Effective as of July 1, 1985, BMO adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) for the benefit of certain of its United States employees
(“eligible BMO employees”) and became a party to Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris as an Employer thereunder. 
 H-2. Participation in the Harris Plan. Each eligible BMO employee shall become a Participant in the Harris Plan on the first day of the month, beginning July 1, 1985, coincident with or next
following the date he satisfies the eligibility requirements of the Harris Plan. Employment with BMO prior to July 1, 1985 shall be included in an eligible BMO employee’s credited service for purposes of determining when he satisfies the
eligibility requirements of the Harris Plan, and all such employment (whether or not continuous) shall be taken into account in the case of an employee who was employed by BMO on June 30, 1985. 

H-3. Employer Contributions by BMO. Notwithstanding the provisions of subsection 4.3 of the Harris Plan, for each calendar
year for which BMO has been designated as a Separate Employer pursuant to Section 17 or subsection 4.1 of the Harris plan, BMO will contribute to the Harris Plan such amount, if any, as shall be determined by BMO. The provisions of this
paragraph H-3 shall cease to be effective after December 31, 1994. 
 H-4. Accounts. Certain eligible BMO employees
are Members in Bank of Montreal U.S. Pension Plan (the “BMO Plan”). The Committee shall establish a separate account under the Harris Plan in the name of each Member in the BMO Plan whose Accumulated Contributions thereunder (as defined in
Section 10.05 of the BMO Plan) are transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 H-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement H, except that where the terms and provisions of the Harris Plan and this Supplement H conflict, the
terms and provisions of this Supplement H shall govern. 

  
 H-1

 SUPPLEMENT I 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of National Westminster Bank USA 

I-1. Introduction. On or about January 18, 1985, Harris Trust Company of New York (“HTCNY”) acquired the
Shareholder Services operations of National Westminster Bank USA (“Westminster”), and certain employees of Westminster (“Transferred Employees”) transferred to employment with HTCNY. HTCNY has adopted Employees’ Savings and
Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) for the benefit of its eligible employees. Prior to their employment by HTCNY, certain Transferred Employees were covered under Westminster Savings Plan (the
“Westminster Plan”). 
 I-2. Participation in the Harris Plan. Transferred Employees who were covered under the
Westminster Plan immediately prior to their employment with HTCNY will become Participants in the Harris Plan effective as of the date of their employment by HTCNY. Other Transferred Employees will become Participants in the Harris Plan upon the
completion of three years of credited service. A Transferred Employee’s last continuous period of employment with Westminster prior to his employment by HTCNY shall be included in this credited service. 

I-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each Transferred Employee
whose interest under the Westminster Plan is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 I-4. Use of Terms. All terms and provisions of the Harris plan shall apply to this Supplement I, except that where the terms and provisions of the Harris Plan and this Supplement I conflict, the
terms and provisions of this Supplement I shall govern. 

  
 I-1

 SUPPLEMENT J 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Derivative Markets Management, Inc. 

J-1. Introduction. Effective as of March 20, 1986, Derivative Markets Management, Inc. (“DMM”) adopted
Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) for the benefit of its eligible employees and became a party to Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris
as an Employer thereunder. 
 J-2. Employer Contributions by DMM. Notwithstanding the provisions of subsection 4.3 of the
Harris Plan, for each calendar year for which DMM has been designated as a Separate Employer pursuant to Section 17 or subsection 4.1 of the Harris Plan, DMM will contribute to the Harris Plan such amount, if any, as shall be determined by
DMM. 
 J-3. The chief executive officer of DMM will not participate in DMM contributions under the Harris Plan.

 J-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement J, except that where the
terms and provisions of the Harris Plan and this Supplement J conflict, the terms and provisions of this Supplement J shall govern. This Supplement J shall cease to be effective after December 31, 1994. 

  
 J-1

 SUPPLEMENT K 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Willamette, N. A. 

K-1. Introduction. As of January 1, 1987 (the “Effective Date”), Harris Bank Willamette, N. A.
(“Willamette”) adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of First National Bank of Willamette Profit Sharing Retirement
Plan (the “Willamette Plan”). First National Bank of Willamette Profit Sharing Retirement Trust is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris. 

K-2. Participation in the Harris Plan. Employees of Willamette on the Effective Date who, immediately prior to that date, were
covered under the Willamette Plan will become Participants in the Harris Plan on the Effective Date. Other employees of Willamette on the Effective Date will become Participants in the Harris Plan on the earlier of the date they satisfy the
eligibility requirements of the Harris Plan or the date they would have satisfied the eligibility requirements of the Willamette Plan. Employees hired by Willamette after the Effective Date will become Participants in the Harris Plan on the date
they satisfy the eligibility requirements of the Harris Plan. The last continuous period of employment of an employee with Willamette prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies
the eligibility requirements of the Harris plan. 
 K-3. Employer Contributions by Willamette. Notwithstanding the
provisions of subsection 4.3 of the Harris Plan, for each calendar year for which Willamette has been designated as a Separate Employer pursuant to Section 17 or subsection 4.1 of the Harris Plan, Willamette will contribute to the Harris
Plan such amount, if any, as shall be determined by the Board of Directors of Willamette. The provisions of this paragraph K-3 shall cease to be effective after December 31, 1994. 

K-4. Accounts. The Committee shall establish a separate account under the Harris plan in the name of each participant in the
Willamette Plan whose interest thereunder is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 K-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement K, except that where the terms and provisions of the Harris Plan and this Supplement K conflict, the
terms and provisions of this Supplement K shall govern. 

  
 K-1

 SUPPLEMENT L 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Marine Midland Bank, N. A. 

L-1. Introduction. On or about September 20, 1985, Harris Trust Company of New York (“HTCNY”) acquired the
Shareholder Services operations of Marine Midland Bank, N. A. (“MMB”), and certain employees of MMB (“Transferred Employees’) transferred to employment with HTCNY. HTCNY has adopted Employees’ Savings and Profit Sharing Plan
of Bank of Montreal/ Harris (the “Harris Plan”) for the benefit of its eligible employees. Prior to their employment by HTCNY, certain Transferred Employees were covered under The Marine Midland Thrift Incentive Plan (the “MMB Savings
Plan”). 
 L-2. Participation in the Harris Plan. Transferred Employees who were covered under the MMB Savings Plan
immediately prior to their employment with HTCNY will become Participants in the Harris Plan effective as of the date of their employment by HTCNY. Other Transferred Employees will become Participants in the Harris Plan upon the completion of three
years of credited service. A Transferred Employee’s last continuous period of employment with MMB prior to his employment by HTCNY shall be included in his credited service. 

L-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each Transferred Employee
whose interest under the MMB Savings Plan is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 L-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement L, except that where the terms and provisions of the Harris Plan and this Supplement L conflict, the
terms and provisions of this Supplement L shall govern. 

  
 L-1

 SUPPLEMENT M 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Barrington, N. A. 

M-1. Introduction. As of January 1, 1989 (the “Effective Date”), Harris Bank Barrington, N. A.
(“Barrington”) adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of First Retirement Estates Plan of Harris Bank Barrington (the
“Barrington Plan”). First Retirement Estates of Harris Bank Barrington is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris. 

M-2. Participation in the Harris Plan. Employees of Barrington on the Effective Date who, immediately prior to that date, were
covered under the Barrington Plan will become Participants in the Harris Plan on the Effective Date. Other employees of Barrington will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan.
The last continuous period of employment of an employee with Barrington prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan. 

M-3. Allocation of Employer Contributions. Notwithstanding the provisions of subsection 3.7 of the Harris Plan, an employee
of Barrington on the Effective Date will be entitled to share in Employer contributions after he has completed one year of credited service. 
 M-4. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the Barrington Plan whose interest thereunder is transferred to the Harris
Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 M-5. Use of Terms. All
terms and provisions of the Harris Plan shall apply to this Supplement M, except that where the terms and provisions of the Harris Plan and this Supplement M conflict, the terms and provisions of this Supplement M shall govern. 

  
 M-1

 SUPPLEMENT N 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Libertyville 

N-1. Introduction. As of July 1, 1990 (the “Effective Date”), Harris Bank Libertyville (“Libertyville”)
adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”). 
 N-2.
Participation in the Harris Plan. Employees of Libertyville will become Participants in the Harris Plan on the first day of the month, beginning with the Effective Date, on which they satisfy the eligibility requirements of the Harris Plan.
The last continuous period of employment of an employee with Libertyville prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan.

 N-3. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement N, except that where the
terms and provisions of the Harris Plan and this Supplement N conflict, the terms and provisions of this Supplement N shall govern. 

  
 N-1

 SUPPLEMENT O 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Hinsdale, N. A. 

O-1. Introduction. As of July 1, 1992 (the “Effective Date”), Harris Bank Hinsdale, N. A. (“Hinsdale”)
adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”). Prior to the Effective Date, certain Hinsdale employees were covered under a profit sharing plan maintained by Hinsdale (the
“Hinsdale Plan”). The Hinsdale Plan was terminated effective October 31, 1991 (the “Termination Date”), and certain accounts of participants in the Hinsdale Plan are being transferred to the Harris Plan. 

O-2. Participation in the Harris Plan. Employees of Hinsdale who were hired on or before the Termination Date will become
Participants in the Harris Plan on the Effective Date. Employees hired by Hinsdale after the Termination Date will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last continuous
period of employment of an employee with Hinsdale prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan. 

O-3. Allocation of Employer Contributions. Notwithstanding the provisions of subsection 7.5 of the Harris Plan, an employee of
Hinsdale who became a Participant in the Harris Plan on the Effective Date will be entitled to share in Employer contributions based on: (a) his compensation on and after January 1, 1992 if he was or would have become a participant in the
Hinsdale Plan on or before January 1, 1992; and (b) his compensation on and after the Effective Date if he would have become a participant in the Hinsdale plan after January 1, 1992. 

O-4. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the
Hinsdale Plan whose interest thereunder is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 O-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement O, except that where the terms and provisions of the Harris Plan and this Supplement O conflict, the
terms and provisions of this Supplement O shall govern. 

  
 O-1

 SUPPLEMENT P 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Batavia, N. A. 

P-1. Introduction. As of January 1, 1989 (the “Effective Date”), Harris Bank Batavia, N. A. (“Batavia”)
adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of The First National Bank of Batavia Profit Sharing Plan (the “Batavia Plan”).

 P-2. Participation in the Harris Plan. Employees of Batavia on the Effective Date who, immediately prior to that date,
were covered under the Batavia Plan will become Participants in the Harris Plan on the Effective Date. Other employees of Batavia will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan.
The last continuous period of employment of an employee with Batavia prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan. 

P-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the
Batavia Plan whose interest thereunder is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 P-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement P, except that where the terms and provisions of the Harris Plan and this Supplement P conflict, the
terms and provisions of this Supplement P shall govern. 

  
 P-1

 SUPPLEMENT Q 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Frankfort 

Q-1. Introduction. As of October 1, 1990 (the “Effective Date”), Harris Bank Frankfort (“Frankfort”)
adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/ Harris (the “Harris Plan”). 
 Q-2.
Participation in the Harris Plan. Employees of Frankfort will become Participants in the Harris Plan on the first day of the month, beginning with the Effective Date, on which they satisfy the eligibility requirements of the Harris Plan. The
last continuous period of employment of an employee with Frankfort prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan. 

Q-3. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement Q, except that where the terms and
provisions of the Harris Plan and this Supplement Q conflict, the terms and provisions of this Supplement Q shall govern. 

  
 Q-1

 SUPPLEMENT R 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Naperville 

R-1. Introduction. As of January 1, 1994 (the “Effective Date”), Harris Bank Naperville (“Naperville”) is
adopting Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan maintained by Naperville (the “Naperville Plan”),
and the trust forming a part of the Naperville Plan is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/ Harris. 

R-2. Participation in the Harris Plan. Salaried and regular hourly employees of Naperville on November 15, 1993 will become
Participants in the Harris Plan on the Effective Date. Other employees of Naperville will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last continuous period of employment of an
employee with Naperville prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan; provided that salaried and regular hourly employees of
Naperville on November 15, 1993 will be deemed to have completed two years of credited service on the Effective Date for purposes of subsection 3.7 of the Harris Plan. 
 R-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the Naperville Plan whose interest thereunder is transferred to the Harris
Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 R-4. Use of Terms. All
terms and provisions of the Harris Plan shall apply to this Supplement R, except that where the terms and provisions of the Harris Plan and this Supplement R conflict, the terms and provisions of this Supplement R shall govern. 

  
 R-1

 SUPPLEMENT S 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank St. Charles 

S-1. Introduction. As of January 1, 1994 (the “Effective Date”), Harris Bank St. Charles
(“St. Charles”) is adopting Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan maintained by St. Charles
(the “St. Charles Plan”), and the trust forming a part of the St. Charles Plan is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris. 

S-2. Participation in the Harris Plan. Salaried and regular hourly employees of St. Charles on November 15, 1993 will become
Participants in the Harris Plan on the Effective Date. Other employees of St. Charles will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last continuous period of employment of
an employee with St. Charles prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan; provided that salaried and regular hourly employees of
St. Charles on November 15, 1993 will be deemed to have completed two years of credited service on the Effective Date for purposes of subsection 3.7 of the Harris Plan. 
 S-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the St. Charles Plan whose interest thereunder is transferred to the Harris
Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 S-4. Use of Terms. All
terms and provisions of the Harris Plan shall apply to this Supplement S, except that where the terms and provisions of the Harris Plan and this Supplement S conflict, the terms and provisions of this Supplement S shall govern. 

  
 S-1

 SUPPLEMENT T 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Winnetka, N. A. 

T-1. Introduction. As of January 1, 1994 (the “Effective Date”), Harris Bank Winnetka, N. A. (“Winnetka”)
is adopting Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan maintained by Winnetka (the “Winnetka Plan”), and
the trust forming a part of the Winnetka Plan is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/ Harris. 

T-2. Participation in the Harris Plan. Salaried and regular hourly employees of Winnetka on November 15, 1993 will become
Participants in the Harris Plan on the Effective Date; provided that Byron A. Warnes shall not be a Participant in the Harris Plan. Other employees of Winnetka will become Participants in the Harris Plan on the date they satisfy the eligibility
requirements of the Harris Plan. The last continuous period of employment of an employee with Winnetka prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements
of the Harris Plan; provided that salaried and regular hourly employees of Winnetka on November 15, 1993 will be deemed to have completed two years of credited service on the Effective Date for purposes of subsection 3.7 of the Harris Plan.

 T-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant
in the Winnetka Plan whose interest thereunder is transferred to the Harris Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 T-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement T, except that where the terms and provisions of the Harris Plan and this Supplement T conflict, the
terms and provisions of this Supplement T shall govern. 

  
 T-1

 SUPPLEMENT U 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Harris Bank Glencoe-Northbrook, N. A. 

U-1. Introduction. As of January 1, 1994 (the “Effective Date”), Harris Bank Glencoe-Northbrook, N. A.
(“Glencoe”) is adopting Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan maintained by Glencoe (the
“Glencoe Plan”), and the trust forming a part of the Glencoe Plan is being merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris. 

U-2. Participation in the Harris Plan. Salaried and regular hourly employees of Glencoe on November 15, 1993 will become
Participants in the Harris Plan on the Effective Date. Other employees of Glencoe will become Participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last continuous period of employment of
an employee with Glencoe prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan; provided that salaried and regular hourly employees of
Glencoe on November 15, 1993 will be deemed to have completed two years of credited service on the Effective Date for purposes of subsection 3.7 of the Harris Plan. 
 U-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the Glencoe Plan whose interest thereunder is transferred to the Harris
Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 U-4. Use of Terms. All
terms and provisions of the Harris Plan shall apply to this Supplement U, except that where the terms and provisions of the Harris Plan and this Supplement U conflict, the terms and provisions of this Supplement U shall govern. 

  
 U-1

 SUPPLEMENT V 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Nesbitt Burns Securities Inc. 

V-1. Introduction. Effective as of April 1, 1992 (the “Effective Date”), Nesbitt Burns Securities Inc. (formerly
known as Harris Nesbitt Thomson Securities Inc.) — referred to below as “Nesbitt Burns” — adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) for the benefit of its
employees who are residents of and employed in the United States of America (“U.S. employees”). 
 V-2.
Participation in the Harris Plan. Beginning on the Effective Date, U.S. employees of Nesbitt Burns became participants in the Harris Plan on the first day of the month coincident with or next following the date they satisfied the eligibility
requirements of the Harris Plan. 
 V-3. Service. A U.S. employee’s service with Nesbitt Burns prior to the
Effective Date shall not be included in his credited service under the Harris Plan. 
 V-4. Employer Contributions.
Nesbitt Burns shall make both employer matching contributions under subsection 4.1 of the Harris Plan and employer profit sharing contributions under subsection 4.3 of the Harris Plan. 

V-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement V, except that where the terms and
provisions of the Harris Plan and this Supplement V conflict, the terms and provisions of this Supplement V shall govern. 

  
 V-1

 SUPPLEMENT W 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Suburban Banks 

W-1. Introduction. Effective as of January 1, 1995 (the “Effective Date”), Harris Bank Palatine N. A., Harris Bank
Oakbrook Terrace, Harris Bank Arlington Meadows, Harris Bank Bartlett, Harris Bank Hoffman-Schaumburg, Harris Bank Aurora, N. A., Suburban Bank of Barrington, Harris Bank Elk Grove, N. A., Harris Bank Marengo, Harris Bank Cary-Grove, Harris Bank
Westchester, Harris Bank Huntley and Harris Bank Woodstock (collectively referred to below as the “Suburban Banks” and sometimes individually as a “Suburban Bank”) have adopted Employees’ Savings and Profit Sharing Plan of
Bank of Montreal/ Harris (the “Harris Plan”) as an amendment, restatement and continuation of the profit sharing plan maintained by the Suburban Banks (the “Suburban Plan”), and the trust forming a part of the Suburban Plan was
merged into and continued in the form of Employees’ Savings and Profit Sharing Trust Fund of Bank of Montreal/Harris, effective July 1, 1995. 
 W-2. Participation in the Harris Plan. Salaried and regular hourly employees of the Suburban Banks on December 31, 1994 will become participants in the Harris Plan on the Effective Date. Other
employees of the Suburban Banks will become participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last continuous period of employment of an employee with the Suburban Banks prior to the
Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements of the Harris Plan; provided that salaried and regular hourly employees of the Suburban Banks on December 31,
1994 will be deemed to have completed two years of credited service on the Effective Date for purposes of subsection 3.7 of the Harris Plan. 
 W-3. Accounts. The Committee shall establish a separate account under the Harris Plan in the name of each participant in the Suburban Plan whose interest thereunder is transferred to the Harris
Plan, with an opening balance equal to the amount transferred to the Harris Plan on his behalf. 
 W-4. Use of Terms. All
terms and provisions of the Harris Plan shall apply to this Supplement W, except that where the terms and provisions of the Harris Plan and this Supplement W conflict, the terms and provisions of this Supplement W shall govern. 

  
 W-1

 SUPPLEMENT X 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Household International, Inc. 

X-1. Introduction. On or about June 29, 1996, Harris N. A. (“Harris”) acquired certain facilities and operations of
Household International, Inc. (“Household”), and certain employees of Household (“Transferred Employees”) transferred to employment with Harris. Harris maintains Employees’ Savings and Profit Sharing Plan of Bank of
Montreal/Harris (the “Harris Plan”) for the benefit of its eligible employees. Prior to their employment by Harris, certain Transferred Employees were covered under Household International Tax Reduction Incentive Plan (“TRIP”).

 X-2. Participation in the Harris Plan. Transferred Employees who were covered under TRIP immediately prior to their
employment with Harris will become participants in the Harris Plan effective as of the date of their employment by Harris. Other Transferred Employees will become participants in the Harris Plan upon the completion of one year of credited service
and satisfaction of the other requirements of subsection 2.1 of the Harris Plan. A Transferred Employee’s last continuous period of employment with Household prior to his employment by Harris shall be included in his credited service.

 X-3. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement X, except that where the
terms and provisions of the Harris Plan and this Supplement X conflict, the terms and provisions of this Supplement X shall govern. 

  
 X-1

 SUPPLEMENT Y 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Burns Fry Inc. 

Y-1. Introduction. Effective as of January 1, 1997 (the “Effective Date”), Burns Fry Inc. (“Burns Fry”)
has adopted Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris Plan”) for the benefit of its employees who are residents of and employed in the United States of America (“U.S. employees”).

 Y-2. Participation in the Harris Plan. Beginning on the Effective Date, U.S. employees of Burns Fry will become
participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. 
 Y-3.
Service. A U.S. employee’s service with Burns Fry prior to the Effective Date shall be included in his credited service under the Harris Plan. 
 Y-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement Y, except that where the terms and provisions of the Harris Plan and this Supplement Y conflict, the
terms and provisions of this Supplement Y shall govern. 

  
 Y-1

 SUPPLEMENT Z 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Key Corp. 

Z-1. Introduction. On and after January 2, 1997, Harris N. A. (“Harris”) acquired certain shareholder services
operations of Key Corp. (“Key”), and certain employees of Key (“Transferred Employees”) transferred to employment with Harris. Harris maintains Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the
“Harris Plan”) for the benefit of its eligible employees. 
 Z-2. Participation in the Harris Plan. Transferred
Employees will become participants in the Harris Plan upon satisfaction of the requirements of subsection 2.1 of the Harris Plan. A Transferred Employee’s last continuous period of employment with Key prior to his employment by Harris shall be
included in his credited service. 
 Z-3. Use of Terms. All terms and provisions of the Harris Plan shall apply to this
Supplement Z, except that where the terms and provisions of the Harris Plan and this Supplement Z conflict, the terms and provisions of this Supplement Z shall govern. 

  
 Z-1

 SUPPLEMENT AA 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Burke, Christensen & Lewis Securities, Inc. 

AA-1. Introduction. Effective as of January 1, 2000 (the “Effective Date”), Burke, Christensen & Lewis
Securities, Inc. (“BCL”) will become an adopting employer under the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/ Harris (the “Harris Plan”), the Harris Plan will be considered an amendment, restatement and
continuation of the profit sharing plan maintained by BCL (the “BCL Plan”), and the trust forming a part of the BCL Plan was merged into and became part of the trust in the form of Employees’ Savings and Profit Sharing Trust Fund of
Bank of Montreal/Harris, effective January 1, 2000. 
 AA-2. Participation in the Harris Plan. Any employee of BCL
on the effective Date will become eligible to participate in the Harris Plan on the Effective Date. Other employees of BCL will become participants in the Harris Plan on the date they satisfy the eligibility requirements of the Harris Plan. The last
continuous period of employment of an employee of BCL prior to the Effective Date shall be included in his credited service for purposes of determining when he satisfies the eligibility requirements under the Harris Plan. 

AA-3. Accounts. The Committee shall establish separate accounts under the Harris Plan in the name of each participant in the BCL
Plan whose interest thereunder is transferred to the Harris Plan (a “BCL Account”), with an opening balance of each account equal to the amount transferred from that account in the BCL Plan to the Harris Plan on his behalf. 

AA-4. Installment Payments. Any participant in the BCL Plan whose interest thereunder is transferred to the Harris Plan may elect
to receive the balance of his BCL Account and accounts under the Harris Plan in substantially equal annual installment payments (other than a life annuity); provided that the present value of the benefits payable to the participant during his
expected lifetime shall be more than fifty percent (50%) of the present value of his BCL Account. These installment payments should not exceed a period exceeding the participant’s life expectancy (or the joint life expectancy of the
participant and his spouse). 
 AA-5. Use of Terms. All terms and provisions of the Harris Plan shall apply to this
Supplement AA, except that where the terms and provisions of the Harris Plan and this Supplement AA conflict, the terms and provisions of this Supplement AA shall govern. 

  
 AA-1

 SUPPLEMENT BB 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Village Bank of Naples 

BB-1. Introduction. On July 3, 2000, Harris N. A. (or an affiliate) (“Harris”) acquired the stock of Village Bank
of Naples (“Naples”), and certain employees of Naples (“Transferred Employees”) began employment with an employer. Harris maintains Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris
Plan”) for the benefit of its eligible employees. 
 BB-2. Participation in the Harris Plan. The Transferred
Employees will become participants in the Harris Plan upon the later of: (1) satisfaction of the requirements of subsection 2.1 of the Harris Plan; or (2) July 3, 2000. 

BB-3. Service. A Transferred Employee’s last continuous period of employment with Naples prior to his employment by Harris
shall be included in his credited service for purposes of determining whether he has satisfied eligibility requirements under the Harris Plan. 
 BB-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement BB, except that where the terms and provisions of the Harris Plan and this Supplement BB conflict, the
terms and provisions of this Supplement BB shall govern. 

  
 BB-1

 SUPPLEMENT CC 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Freeman Welwood Company 

CC-1. Introduction. Harris N. A. (or an affiliate) (“Harris”) has acquired the stock of Freeman Welwood Company
(“Freeman”), and certain employees of Freeman (“Transferred Employees”) began employment with an employer thereafter. Harris maintains Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (the “Harris
Plan”) for the benefit of its eligible employees. 
 CC-2. Participation in the Harris Plan. The Transferred
Employees will become participants in the Harris Plan upon the later of: (1) satisfaction of the requirements of subsection 2.1 of the Harris Plan; or (2) October 1, 2000. 

CC-3. Service. A Transferred Employee’s last continuous period of employment with Freeman prior to his employment by Harris
shall be included in his credited service for purposes of determining whether he has satisfied the eligibility requirements under the Harris Plan. 
 CC-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement CC, except that where the terms and provisions of the Harris Plan and this Supplement CC conflict, the
terms and provisions of this Supplement CC shall govern. 

  
 CC-1

 SUPPLEMENT DD 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Coverage of Former Employees of Century Bank 

DD-1. Introduction. On December 15, 2000, Harris Trust Bank of Arizona, an affiliate of Harris N. A. (“Harris”)
acquired the stock of Century Bank (“Century”), and certain employees of Century (“Transferred Employees”) began employment with an employer. Harris maintains Employees’ Savings and Profit Sharing Plan of Bank of
Montreal/Harris (the “Harris Plan”) for the benefit of its eligible employees. 
 DD-2. Participation in the Harris
Plan. The Transferred Employees will become participants in the Harris Plan upon the later of: (1) satisfaction of the requirements of subsection 2.1 of the Harris Plan; or (2) December 15, 2000. 

DD-3. Service. A Transferred Employee’s last continuous period of employment with Century prior to his employment by Harris
shall be included in his credited service for purposes of determining whether he has satisfied the eligibility requirements under the Harris Plan. 
 DD-4. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement DD, except that where the terms and provisions of the Harris Plan and this Supplement DD conflict, the
terms and provisions of this Supplement DD shall govern. 

  
 DD-1

 SUPPLEMENT EE 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Merger of Village Banc of Naples 401(k) Profit Sharing Plan 

EE-1. Introduction. Effective July 3, 2000, Harris N. A. (or an affiliate) (“Harris”) acquired the stock of Village
Banc of Naples (“Naples”) and the eligible employees of Naples began participation in the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (“Harris Plan”) on that date. To simplify the administration of
the retirement accounts of these employees, the Village Banc of Naples 401(k) Profit Sharing Plan (the “Naples Plan”) will be merged into the Harris Plan. 
 EE-2. Merger of Naples Plan and Trust into Harris Plan and Trust. Subsection 13.5 of the Harris Plan allows mergers with other defined contribution plans. The Committee will determine when the
Naples Plan (and trust thereunder) will be merged into and become a part of the Harris Plan (and trust thereunder). 
 EE-3.
Accounts. The Committee shall establish separate accounts under the Harris Plan in the name of each participant in the Naples Plan whose interest thereunder is transferred to the Harris Plan (a “Naples Account”), with an opening
balance of that account equal to the amount transferred from that account in the Naples Plan to the Harris Plan. 
 EE-4.
Forfeitures. All of the participants in the Naples Plan were fully vested prior to the merger, and therefore no forfeitures were transferred to the Harris Plan. 
 EE-5. EE-5. Installment Distributions. The Naples Plan allowed for participants to elect installment payments, but this provision was eliminated, in accordance with IRS regulations, prior to
the merger of the Naples Plan into the Harris Plan. 
 EE-6. Use of Terms. All terms and provisions of the Harris Plan
shall apply to this Supplement EE, except that where the terms and provisions of the Harris Plan and this Supplement EE conflict, the terms and provisions of this Supplement EE shall govern. 

  
 EE-1

 SUPPLEMENT FF 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Merger of Century Bank 401(k) Profit-Sharing Plan 

FF-1. Introduction. Effective December 15, 2000, Harris Trust Bank of Arizona, an affiliate of Harris N. A.
(“Harris”) acquired the stock of Century Bank (“Century”) and the eligible employees of Century began participation in the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (“Harris Plan”) on
that date. To simplify the administration of the accounts of these employees, the Century Bank 401(k) Profit-Sharing Plan (“Century Plan”) will be merged into the Harris Plan. 

FF-2. Merger of Century Plan into Harris Plan. Subsection 13.5 of the Harris Plan allows mergers with other defined contribution
plans. The Committee will determine when the Century Plan (and trust thereunder) will be merged into and become a part of the Harris Plan (and trust thereunder). 
 FF-3. Accounts. The Committee shall establish separate accounts under the Harris Plan in the name of each participant in the Century Plan whose interest thereunder is transferred to the Harris Plan
(a “Century Account”), with an opening balance of that account equal to the amount transferred from that account in the Century Plan to the Harris Plan. 
 FF-4. Forfeitures. All of the participants in the Century Plan were fully vested prior to the merger, and therefore no forfeitures were transferred to the Harris Plan. 

FF-5. Installment and Hardship Distributions. The Century Plan allowed for participants to elect installment or hardship
distributions, but these provisions were eliminated, in accordance with IRS regulations, prior to the merger of the Century Plan into the Harris Plan. 
 FF-6. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement FF, except that where the terms and provisions of the Harris Plan and this Supplement FF conflict, the
terms and provisions of this Supplement FF shall govern. 

  
 FF-1

 SUPPLEMENT GG 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Eligibility of First National Bankcorp, Inc. Employees and Merger of First National Bankcorp, Inc.
401(k) Plan 
 GG-1. Introduction. On July 13, 2001, Harris N. A. (or an affiliate) (“Harris”)
acquired all of the common stock of First National Bankcorp. Inc. (a/k/a First National Bank of Joliet) (“Joliet”) and eligible employees of Joliet began employment with an employer (the “Transferred Employees”). Harris maintains
the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/Harris (“Harris Plan”). 
 GG-2.
Participation in Harris Plan. The Transferred Employees will become participants in the Harris Plan upon the later of: (1) satisfaction of the requirements of subsection 2.1 of the Harris Plan; or (2) August 1, 2001.

 GG-3. Service. A Transferred Employee’s last continuous period of employment with Joliet prior to his employment
by Harris shall be included in his credited service for purposes of determining whether he has satisfied the eligibility requirements under the Harris Plan. However, any service before August 1, 2001 shall not be included in determining whether
two years have elapsed for purposes of any withdrawals under subsection 8.2. 
 GG-4. Merger of First National Bankcorp, Inc.
401(k) Plan into Harris Plan. Subsection 13.5 of the Harris Plan allows mergers with other defined contribution plans. To simplify administration of the retirement accounts of the Transferred Employees, the First National Bankcorp, Inc. 401(k)
Plan (“Joliet Plan”) will be merged into the Harris Plan on a date determined by the Committee. Effective on the date of the merger, the Joliet Plan (and trust thereunder) will be merged into and become a part of the Harris Plan (and trust
hereunder). 
 GG-5. Accounts. The Committee shall establish separate accounts under the Harris Plan in the name of each
participant in the Joliet Plan whose interest is transferred to the Harris Plan (a “Joliet Account”), with an opening balance of that account equal to the amount transferred from that account in the Joliet Plan to the Harris Plan.

 GG-6. Annuity Payments. The Joliet Plan allowed for participants to elect annuity distributions. In accordance with
IRS regulations, any annuity distribution option under the Joliet Plan is eliminated, effective 90 days after participants receive a notice satisfying the requirements of the IRS Regulations. 

  
 GG-1

 GG-7. Hardships. The Joliet Plan allowed for distributions on account of
“hardship.” Effective upon merger of the Joliet Plan into the Harris Plan, this hardship distribution provision is eliminated. 
 GG-8. Forfeitures. Participants in the Joliet Plan on July 13, 2001 who were employed by an employer were fully vested in their accounts. Participants who were not employed by an employer on
July 13, 2001 incurred a forfeiture, and such forfeitures shall be used to reduce employer matching contributions under the plan. If any participant who incurred a forfeiture is reemployed by an employer before he incurs 5 one year breaks in
service (as defined in the Joliet Plan) and repays the vested distributed amount to the Plan, he will have such forfeiture restored and shall be fully vested in his accounts at all times. 

GG-9. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement GG, except that where the terms and
provisions of the Harris Plan and this Supplement GG conflict, the terms and provisions of this Supplement GG shall govern. 

  
 GG-2

 SUPPLEMENT HH 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Merger of First National Bankcorp, Inc. Employee Profit Sharing and Retirement Plan 

HH-1. Introduction. On July 13, 2001, Harris N. A. (or an affiliate) (“Harris”) acquired all of the common stock of
First National Bancorp, Inc. (a/k/a First National Bank of Joliet) (“Joliet”) and eligible employees of Joliet commenced employment with the employer (the “Transferred Employees”). The purpose of this Supplement HH is to provide
for the continuation and merger of the First National Bancorp, Inc. Employee Profit Sharing and Retirement Plan (“Joliet Profit Sharing Plan”) into the plan. 
 HH-2. Merger of Joliet Profit Sharing Plan. Pursuant to subsection 13.5 of the plan, and effective on or about March 31, 2002 (the “merger date”), the Joliet Profit Sharing Plan, and
the trust thereunder, shall merge into the Harris Plan, and the trust thereunder. 
 HH-3. Participation and Eligibility.
The Transferred Employees became participants in the plan on August 1, 2001, in accordance with the plan’s terms of eligibility under subsection 2.1. 
 HH-4. Transfer of Accounts. On or about the merger date, all account balances of Joliet Profit Sharing Plan participants maintained under the Joliet Profit Sharing Plan on the merger date shall be
transferred to the plan and shall be held and distributed pursuant to the terms of the plan and in accordance with Code Sections 401(a)(12), 411(d)(6) and 414(l). The committee will maintain a separate account (‘Joliet Profit Sharing
Account’) on behalf of each Joliet Profit Sharing Plan participant to properly reflect the account balances transferred pursuant to this Supplement HH. Joliet Profit Sharing Plan Accounts shall be adjusted in the manner provided in subsection
7.4 of the plan. 
 HH-5. Vesting of Transferred Accounts. A participant shall have a nonforfeitable interest in his
Joliet Profit Sharing Account on and after the merger date. 
 HH-6. Use of Terms. All terms and provisions of this plan
shall apply to this Supplement HH except that where the terms and provisions of this plan and this Supplement HH conflict, the terms and provisions of this Supplement HH shall govern. 

  
 HH-1

 SUPPLEMENT II 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by CSFBDirect Inc. 

II-1. Introduction. Effective as of February 1, 2002 (the “Effective Date”), CSFBDirect Inc. (“CSFB”)
will become an adopting employer under the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/ Harris (the “Harris Plan”). 
 II-2. Participation in the Harris Plan. Any employee of CSFB on or after the Effective Date will become eligible to participate in the Harris Plan on the later of: (1) satisfaction of the
requirements of subsection 2.1; or (2) February 1, 2002. 
 II-3. Use of Terms. All terms and provisions of the
Harris Plan shall apply to this Supplement II, except that where the terms and provisions of the Harris Plan and this Supplement II conflict, the terms and provisions of this Supplement II shall govern. 

  
 II-1

 SUPPLEMENT JJ 
 TO 
 EMPLOYEES’ SAVINGS AND PROFIT SHARING PLAN 

OF 
 BANK
OF MONTREAL/HARRIS 
 Adoption by Northwestern Trust and Investors Advisory Company 

JJ-1. Introduction. Effective as of April 1, 2002 (the “Effective Date”), Northwestern Trust and Investors Advisory
Company (“Northwestern”) will become an adopting employer under the Employees’ Savings and Profit Sharing Plan of Bank of Montreal/ Harris (the “Harris Plan”). 

JJ-2. Participation in the Harris Plan. Any employee of Northwestern on or after the Effective Date will become eligible to
participate in the Harris Plan on the later of: (1) satisfaction of the requirements of subsection 2.1; or (2) April 1, 2002. 
 JJ-3. Use of Terms. All terms and provisions of the Harris Plan shall apply to this Supplement JJ, except that where the terms and provisions of the Harris Plan and this Supplement JJ conflict, the
terms and provisions of this Supplement JJ shall govern. 

  
 JJ-1

 SUPPLEMENT KK 
 Roth 401(k) Contributions 
 KK-1. Introduction. This Supplement KK,
in conjunction with the plan, is intended to constitute a “qualified Roth contribution program” under Section 402A(b) of the Code. The purpose of this Supplement KK is to set forth the special rules governing Roth 401(k) contributions
under the plan. This Supplement KK may be implemented on a date, if any, selected at the discretion of the Committee. 
 KK-2.
Roth 401(k) Contributions. Subject to the conditions and limitations of the Plan and the Committee’s rules and procedures, a Participant may elect to make Roth 401(k) contributions under the plan. “Roth 401(k) contributions”
are a Participant’s Pre-Tax Contributions that are included in the Participant’s gross income at the time deferred and have been irrevocably designated as Roth 401(k) contributions by the Participant in his or her deferral election. Roth
401(k) contributions shall be treated as Pre-Tax Contributions (either Basic Pre-Tax Contributions or Supplemental Pre-Tax Contributions, as applicable) for all purposes of the Plan, except that (i) a Participant’s Roth 401(k)
contributions will be maintained in a separate account (“Roth 401(k) Account”) containing only the Participant’s Roth 401(k) contributions and Roth catch-up contributions (as defined in Paragraph KK-3), if any, and gains and losses
attributable to such contributions, (ii) Roth 401(k) contributions are subject to Paragraph KK-5; and (iii) for purposes of determining the limitation on the amount of a loan to a Participant under subparagraph 8.4, a Participant’s
Roth 401(k) Account shall not be taken into consideration (i.e. no loan may be made from a Roth 401(k) Account, but the Roth 401(k) Account shall be considered in determining 50% of the Participant’s Account under subparagraph 8.4). 

KK-3. Roth Catch-Up Contributions. All Participants who have attained age 50 before the close of the Plan Year shall be eligible
to make Roth catch-up contributions under the plan. “Roth catch-up contributions” are a Participant’s catch-up contributions that are included in the Participant’s gross income at the time deferred and have been irrevocably
designated as Roth catch-up contributions in his or her deferral election. Roth catch-up contributions shall be treated as catch-up contributions for all purposes of the Plan, except that (i) a Participant’s Roth catch-up contributions and
gains and losses attributable to such contributions will be maintained in the separate account containing the Participant’s Roth 401(k) contributions, and (ii) Roth catch-up contributions are subject to Paragraphs KK-5 and KK-2(iii).

 KK-4. Partial Distributions to Terminated Participants. If a Participant receives payment of less than all of the
Participant’s account balances under the Plan, the Participant may specify that such payments shall be withdrawn from the Participant’s designated Roth account(s) (as defined in Code Section 402A(b)(2)(A)) under the plan or from the
Participant’s other accounts under the plan in accordance with procedures established by the Committee. If the Participant does not specify the accounts from which such payments shall be withdrawn, the payments shall be withdrawn from the
Participant’s accounts under the Plan in the order specified by the Committee. 

  
 KK-1

 KK-5. Rollovers. 

 

	 	(a)	Roth Rollover Contributions. Notwithstanding any provision of the Plan to the contrary, only in accordance with such rules as the Committee may establish from
time to time, the Trustee may accept a direct rollover from a Roth elective deferral account under a plan qualified under Section 401(a) of the Code (a “Roth Rollover Contribution”), to the extent the rollover is permitted under the
rules of Section 402(c) of the Code. Unless specifically provided otherwise, Roth Rollover Contributions shall be treated as rollover contributions for all purposes under the Plan. 

 

	 	(b)	Direct Rollovers of Roth Contributions. Notwithstanding any provision of the Plan to the contrary, a direct rollover of an eligible rollover distribution from a
Roth 401(k) Account or a Roth Rollover Account under the Plan will only be made to another Roth elective deferral account under a plan qualified under Section 401(a) of the Code or to a Roth IRA described in Section 408A of the Code, and
only to the extent the rollover is permitted under the rules of Section 402(c) of the Code. 

 KK-6. Use
of Terms. Terms used in this Supplement D shall, unless defined in this Supplement D or otherwise noted, have the meanings given to those terms elsewhere in the plan. 

  
 KK-2EX-10.1

 Exhibit 10.1 
 SAVINGS RESTORATION PLAN 
 FOR NISOURCE INC. AND AFFILIATES

 As Amended and Restated Effective May 13, 2011 

  

 TABLE OF CONTENTS 

 

					
	 	  	Page	 
		
	 ARTICLE I BACKGROUND AND PURPOSE
	  	 	1	  
		
	 1.1        Background
	  	 	1	  
	 1.2        Purpose
	  	 	2	  
		
	 ARTICLE II DEFINITIONS
	  	 	2	  
		
	 2.1        Affiliate
	  	 	2	  
	 2.2        Annual Addition
	  	 	2	  
	 2.3        Basic Plan
	  	 	2	  
	 2.4        Beneficiary
	  	 	3	  
	 2.5        Benefits Committee
	  	 	3	  
	 2.6        Code
	  	 	3	  
	 2.7        Company
	  	 	3	  
	 2.8        DCP
	  	 	3	  
	 2.9        Disability
	  	 	3	  
	 2.10      Employee
	  	 	3	  
	 2.11      Employer
	  	 	3	  
	 2.12      ERISA
	  	 	3	  
	 2.13      Interest
	  	 	3	  
	 2.14      Limits
	  	 	3	  
	 2.15      ONC Committee
	  	 	3	  
	 2.16      Participant
	  	 	3	  
	 2.17      Plan
	  	 	4	  
	 2.18      Plan Administrator
	  	 	4	  
	 2.19      Plan Year
	  	 	4	  
	 2.20      Post-2004 Benefit
	  	 	4	  
	 2.21      Pre-2005 Benefit
	  	 	4	  
	 2.22      Supplemental Savings Account
	  	 	4	  
	 2.23      Unforeseeable Emergency
	  	 	4	  
		
	 ARTICLE III ELIGIBILITY
	  	 	4	  
		
	 3.1        Eligibility
	  	 	4	  
	 3.2        Notice of Eligibility to Participants
	  	 	5	  
	 3.3        Method of Becoming a Participant
	  	 	5	  
	 3.4        Continuation of Participation
	  	 	5	  
		
	 ARTICLE VI SUPPLEMENTAL SAVINGS ACCOUNT
	  	 	5	  
		
	 4.1        Supplemental Savings Account
	  	 	5	  
	 4.2        Employer Credits
	  	 	6	  

  
 i 

					
	 4.3        Special Employer Credits
	  	 	7	  
	 4.4        Participant Credits
	  	 	8	  
	 4.5        Interest Credits
	  	 	8	  
		
	 ARTICLE V IN-SERVICE WITHDRAWALS
	  	 	9	  
		
	 5.1        Pre-2005 Benefit
	  	 	9	  
	 5.2        Post-2004 Benefit
	  	 	9	  
	 5.3        Limitations on In-Service Withdrawals
	  	 	9	  
		
	 ARTICLE VI TERMINATION OF PARTICIPATION AND PAYMENT OF BENEFITS
	  	 	10	  
		
	 6.1        Termination of Participation
	  	 	10	  
	 6.2        Benefits at Termination of Participation
	  	 	10	  
	 6.3        Method and Time of Payment
	  	 	10	  
		
	 ARTICLE VII ADMINISTRATION OF PLAN
	  	 	13	  
		
	 7.1        Allocation of Duties to Committees
	  	 	13	  
	 7.2        Agents
	  	 	13	  
	 7.3        Information Required by Plan Administrator
	  	 	13	  
	 7.4        Binding Effect of Decisions
	  	 	13	  
		
	 ARTICLE VIII CLAIMS PROCEDURE
	  	 	14	  
		
	 8.1        Claims Procedure
	  	 	14	  
	 8.2        Review of Claim
	  	 	14	  
	 8.3        Notice of Denial of Claim
	  	 	14	  
	 8.4        Reconsideration of Denied Claim
	  	 	14	  
		
	 ARTICLE IX PLAN AMENDMENT AND TERMINATION
	  	 	15	  
		
	 9.1        Plan Amendment
	  	 	15	  
	 9.2        Plan Termination
	  	 	16	  
		
	 ARTICLE X MISCELLANEOUS PROVISIONS
	  	 	16	  
		
	 10.1      Unsecured General Creditor
	  	 	16	  
	 10.2      Income Tax Payout
	  	 	16	  
	 10.3      General Conditions
	  	 	17	  
	 10.4      No Guaranty of Benefits
	  	 	17	  
	 10.5      No Enlargement of Employee Rights
	  	 	17	  
	 10.6      Nonalienation of Benefits
	  	 	17	  
	 10.7      Applicable Law
	  	 	18	  
	 10.8      Incapacity of Recipient
	  	 	18	  
	 10.9      Unclaimed Benefit
	  	 	18	  
	 10.10    Limitations on Liability
	  	 	18	  

  
 ii 

 SAVINGS RESTORATION PLAN 

FOR NISOURCE INC. AND AFFILIATES 
 As Amended and Restated Effective May 13, 2011 
 ARTICLE I

 BACKGROUND AND PURPOSE 
 1.1 Background. Prior to January 1, 2004, Columbia Energy Group sponsored the Savings Restoration Plan for Columbia Energy Group for eligible executives of Columbia Energy Group and
certain Affiliates. Effective January 1, 2004, NiSource Inc., the parent company of Columbia Energy Group, assumed sponsorship of the Savings Restoration Plan for Columbia Energy Group, renamed the Plan the Savings Restoration Plan for NiSource
Inc. and Affiliates, and broadened the Plan to include all employees of NiSource Inc. and Affiliates. 
 The Plan was amended
and restated effective January 1, 2004, and amended effective January 1, 2005. The Plan was then amended and restated again effective January 1, 2005, to comply with Code Section 409A, and guidance and regulations thereunder,
with respect to benefits earned under the Plan from and after January 1, 2005. Benefits under the Plan earned and vested prior to January 1, 2005 shall be administered without giving effect to Code Section 409A, and guidance and
regulations thereunder. The provisions of the Plan as set forth herein apply only to Participants who actively participate in the Plan on or after January 1, 2005. Any Participant who retired or otherwise terminated employment with the Company
and all Affiliates prior to January 1, 2005 shall have his or her rights determined under the provision of the Plan as it existed when his or her employment relationship terminated. 

The Plan was further amended and restated, effective January 1, 2008, to provide for mandatory lump sum payments of small account
balances in accordance with Code Section 409A. The Plan was amended and restated again, effective January 1, 2010, to contain provisions that eliminate mid-year enrollment into the Plan and to allow Participants who make Roth Contributions
to a Basic Plan to participate in this Plan. The plan was further amended and restated, effective January 1, 2010, to restore certain Employer Contributions given to Participants who are classified as “exempt employees” by the
Employer and who are hired or rehired on or after January 1, 2010. 
 The Plan is amended and restated again, effective
May 13, 2011 or as otherwise stated herein, to restore Profit Sharing Contributions that otherwise would have been contributed to Participants under the Basic Plan (if not subject to the Limits, defined below) and to transfer all administrative
authority with respect to the Plan (including the authority to render decisions on claims and appeals and make administrative or ministerial amendments) from the ONC Committee to the Benefits Committee. 

 1.2 Purpose. The purpose of the Plan is to provide for the payment of savings
restoration benefits to employees of NiSource Inc. and Affiliates, whose benefits under the Basic Plan are subject to the Limits or affected by deferrals into the DCP, so that the total savings plan benefits of such employees shall be determined on
the same basis as is applicable to all other employees of the Company. The Plan is adopted solely (1) for the purpose of providing benefits to Participants in the Plan and their Beneficiaries in excess of the Limits imposed on qualified plans
by Code Section 401(a)(17) and any other Code Sections, by restoring benefits to such Plan Participants and Beneficiaries that are no longer available under the Basic Plan as a result of the Limits, and (2) for the purpose of restoring
benefits to Plan Participants and Beneficiaries that are no longer available under the Basic Plan as a result of the Participant’s deferrals into the DCP. 
 ARTICLE II 
 DEFINITIONS 

For the purposes of the Plan, the following terms shall have the meanings indicated, unless the context clearly indicates otherwise.
Except when otherwise required by the context, any masculine terminology in this document shall include the feminine, and any singular terminology shall include the plural. The headings of Articles and Sections are included solely for convenience,
and if there is any conflict between such headings and the text of the Plan, the text shall control. 
 2.1 Affiliate.
Any corporation that is a member of a controlled group of corporations (as defined in Code Section 414(b)) that includes the Company; any trade or business (whether or not incorporated) that is under common control (as defined in Code
Section 414(c)) with the Company; any organization (whether or not incorporated) that is a member of an affiliated service group (as defined in Code Section 414(m)) that includes the Company; any leasing organization, to the extent that
its employees are required to be treated as if they were employed by the Company pursuant to Code Section 414(n) and the regulations thereunder; and any other entity required to be aggregated with the Company pursuant to regulations under Code
Section 414(o). An entity shall be an Affiliate only with respect to the existing period as described in the preceding sentence. 
 2.2 Annual Addition. With respect to any Participant, the sum in any Plan Year of: 
  

	 	(a)	the Company’s or any Affiliate’s, matching or profit sharing contributions to the Basic Plan on behalf of the Participant; plus 

 

	 	(b)	all Participant deposits to the Basic Plan, including before-tax and after-tax deposits. 

For purposes of the Plan, the determination of a Participant’s Annual Addition shall be made without regard to the Limits.

 2.3 Basic Plan. The NiSource Inc. Retirement Savings Plan, as amended and restated effective January 1,
2010, and as further amended from time to time (or as amended and restated for any prior period to the extent the provisions of the Plan refer to such prior period for the Basic Plan). 

  
 2 

 2.4 Beneficiary. The person, persons or entity entitled to receive any Plan
benefits payable after a Participant’s death. 
 2.5 Benefits Committee. The NiSource Benefits Committee.

 2.6 Code. The Internal Revenue Code of 1986, as amended. 

2.7 Company. NiSource Inc., a Delaware Corporation. 

2.8 DCP. The Columbia Energy Group Deferred Compensation Plan on or prior to December 31, 2003, and, thereafter, the
NiSource Inc. Executive Deferred Compensation Plan, as further amended from time to time. 
 2.9 Disability. A
condition that (a) causes a Participant to be unable to engage in any substantial gainful activity by reason of any 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, (b) causes a Participant, by reason of any medically determinable physical or mental impairment that can be expected to result in death or can be expected to last for a continuous period of not less
than 12 months, to receive income replacement benefits for a period of not less than three months under an accident and health plan covering employees of the Company or an Affiliate or (c) causes a Participant to be eligible to receive Social
Security disability payments. 
 2.10 Employee. Any individual who is employed by an Employer on a basis that
involves payment of salary, wages or commissions. 
 2.11 Employer. The Company or any Affiliate that maintains or
adopts the Basic Plan for the benefit of its eligible Employees. 
 2.12 ERISA. The Employee Retirement Income
Security Act of 1974, as amended. 
 2.13 Interest. The average of the prime rates of interest charged as of the
last business day of a month, determined under procedures established by the Plan Administrator. 
 2.14 Limits.
The limits imposed on tax qualified retirement plans by Code Sections 415 and 401(a)(17) and any other Code Sections. 

2.15 ONC Committee. The Officer Nomination and Compensation Committee of the Board of Directors of the Company. 

2.16 Participant. Any Employee who is participating in the Plan in accordance with its provisions. 

  
 3 

 2.17 Plan. The Savings Restoration Plan for NiSource Inc. and Affiliates
(formerly known as the Savings Restoration Plan for the Columbia Energy Group, and before that as the Thrift Restoration Plan for the Columbia Energy Group), as set forth herein. 

2.18 Plan Administrator. The Benefits Committee or such delegate of the Benefits Committee delegated to carry out the
administrative functions of the Plan. 
 2.19 Plan Year. The l2-month period commencing each January 1 and
ending the following December 31. 
 2.20 Post-2004 Benefit. The portion of a Participant’s Supplemental
Savings Account equal to the excess of (1) the balance of the Participant’s Supplemental Savings Account determined as of a Participant’s date of separation from service with the Company and all Affiliates after December 31, 2004
over (2) the Pre-2005 Benefit, to which the Participant would be entitled under the Plan if he voluntarily separated from service without cause as of such date and received a full payment of benefits from the Plan on the earliest possible date
allowed under the Plan following his separation from service. 
 2.21 Pre-2005 Benefit. The portion of a
Participant’s Savings Account determined as of December 31, 2004, adjusted to reflect Interest credited to such balance from and after such date. 
 2.22 Supplemental Savings Account. The sum of credits accrued under Article IV on behalf of a Participant, adjusted to reflect Interest credited to the Account, and reduced by any
withdrawals under Article V. 
 2.23 Unforeseeable Emergency. A severe financial hardship to a Participant
resulting from an illness or accident of the Participant, the Participant’s spouse or a dependent (as defined in Code Section 152(a)), of the Participant, loss of the Participant’s property due to casualty or other similar
extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant. The amount distributed with respect to an Unforeseeable Emergency shall not exceed the amount necessary to satisfy the Emergency, plus
amounts necessary to pay taxes reasonably anticipated as a result of the distribution, after taking into account the extent to which such hardship is or may be relieved through reimbursement or compensation by insurance or otherwise, or by
liquidation of the Participant’s assets (to the extent the liquidation of such assets would not itself cause severe financial hardship). 
 ARTICLE III 
 ELIGIBILITY 

3.1 Eligibility. Any Employee who is not a Participant in the Plan on December 31, 2004, who is participating in the
Basic Plan and (i) whose Compensation in a Plan Year will exceed the Limits, or (ii) who has deferrals in the DCP excluded for purposes of benefit 

  
 4 

 
allocations in the Basic Plan, shall be eligible to become a Participant in the Plan as of January 1 of such Plan Year. Any Participant in the Plan on December 31, 2004 shall continue
as a Participant after that date. If an Employee who was not expected to be eligible to become a Participant in a given Plan Year subsequently qualifies because his or her Compensation exceeds the Limits for that Plan Year, or because he or she
becomes eligible for, or begins to participate in, the DCP, such Employee shall be eligible to participate in the Plan as soon as practicable after this determination has been made or deferrals begin. 

3.2 Notice of Eligibility to Participants. The Plan Administrator shall inform each Employee of his or her eligibility to
participate in the Plan as soon as practicable but before the earliest date such Employee’s participation could become effective. 
 3.3 Method of Becoming a Participant. In order to become a Participant, each eligible Employee must sign a written agreement with his or her Employer providing for a reduction of his or her
Compensation and a corresponding direction of Employer contributions or Participant Pretax Contributions or Roth Contributions that would normally be made to the Basic Plan, except for the Limits or deferrals into the DCP, to be credited to his or
her Supplemental Savings Account under the Plan, to the extent necessary to satisfy the Limits with respect to the Basic Plan or deferrals into the DCP. Notwithstanding the foregoing, eligible Employees may receive the Employer credits described in
Sections 4.2(b) and 4.2(c) of this Plan without having signed such a written agreement. 
 Employees who are
notified of their eligibility to participate in the Plan shall become a Participant by delivering to the Plan Administrator the written agreement referenced in the preceding paragraph. The written agreement will be effective with respect to the
Employee’s Compensation earned for services performed beginning January 1st of the Plan Year after the Plan Year in which the written agreement is delivered. 

3.4 Continuation of Participation. A Participant shall remain a Participant so long as his or her Supplemental Savings
Account has not been fully distributed to him or her. 
 ARTICLE IV 

SUPPLEMENTAL SAVINGS ACCOUNT 
 4.1 Supplemental Savings Account. A Supplemental Savings Account shall be established for each Participant. The amounts to be credited to a Participant’s Supplemental Savings Account
shall be determined under procedures established by the Plan Administrator and shall consist of: 
  

	 	(a)	Employer credits, as described in Sections 4.2 and 4.3; plus 

  

	 	(b)	Participant credits, as described in Section 4.4; plus 

  

	 	(c)	Interest credits under Section 4.5. 

  
 5 

 A Participant’s Supplemental Savings Account shall be reduced by any withdrawals made
under Article V. 
 4.2 Employer Credits. 

 

	 	(a)	Credits Related to Matching Contributions. The amount of Employer credits related to Matching Contributions for a Participant shall equal (1) minus
(2) below: 

  

	 	(1)	The total amount of Matching Contributions that would otherwise have been contributed to the Basic Plan for the Participant during all years in which the Participant
participated in the Basic Plan without regard to the Limits or deferrals into the DCP; 

  

	 	(2)	The actual amount of Matching Contributions that have been contributed to the Basic Plan for the Participant. 

 

	 	(b)	Credits Related to Profit Sharing Contributions. Effective January 1, 2011, Employer credits pursuant to this Section 4.2(b) shall be reflected in the
Plan for all Participants in the Plan on or after such date, including the following: (1) those who received Profit Sharing Contributions to the Basic Plan for 2010 or later that were subject to the Limits, or (2) those who otherwise had
Profit Sharing Contributions limited or adjusted under the Basic Plan on or after January 1, 2011. The amount of Employer credits related to Profit Sharing Contributions for a participant shall equal (1) minus (2) below:

  

	 	(1)	The total amount of Profit Sharing Contributions that would otherwise have been contributed to the Basic Plan for the Participant during all years in which the
Participant participated in the Basic Plan without regards to the Limits or deferrals into the DCP. 

  

	 	(2)	The actual amount of Profit Sharing Contributions that have been contributed to the Basic Plan for the Participant. 

 

	 	(c)	Credits Related to Certain Employer Contributions for Exempt Employees Hired or Rehired on or After January 1, 2010. Effective as of January 1, 2010,
and only with respect to a Participant who is classified by the Employer as an “exempt employee” and who is hired or rehired on or after January 1, 2010, the amount of Employer credits for a Participant shall equal (1) minus
(1) below: 

  

	 	(1)	The total amount of the Employer Contribution under the Basic Plan that otherwise would have been contributed in an amount equal to 3% of the Participant’s
Compensation without regard to the Limits; 

  
 6 

	 	(2)	The actual amount of the Employer Contribution under the Basic Plan that was contributed to the Participant in an amount equal to 3% of the Participant’s
Compensation. 

 This amount shall be payable to any applicable Participant in addition to any amounts he or she
may be entitled to under Sections 4.2(a) and 4.2(b) of this Plan and regardless of whether such Participant has signed a written agreement to participate in this Plan. 
 4.3 Special Employer Credits. Any Participant who (1) during the 2003 and/or 2004 Plan Years had a Matching Contribution allocated to his Matching Contribution Account under the Basic
Plan that was less than the maximum Matching Contribution available under the Basic Plan, (2) authorized After-tax Contributions and/or Pre-tax Contributions under the Basic Plan equal to at least 6% of his Compensation for such Plan Year(s),
(3) commenced employment with an Employer prior to January 1, 2002 and was still employed by an Employer on January 1, 2005 and (4) participated in the Account Balance Option of the NiSource Salaried Pension Plan, the NiSource
Subsidiary Pension Plan or the Bay State Gas Company Pension Plan, as applicable, shall be eligible for an additional Employer credit hereunder. The additional Employer credit shall be calculated as the difference between (i) the Matching
Contributions that would have been allocated to the Participant’s Matching Contribution Account under the Basic Plan during the 2003 and/or 2004 Plan Year(s) if his or her total After-tax Contributions, if any, and Pre-tax Contributions under
the Basic Plan for such Plan Year(s) had been contributed evenly over each pay period throughout the Plan Year(s) and (ii) the Matching Contribution actually allocated to the Participant’s Matching Contribution Account under the Basic Plan
for such Plan Year(s). 
 The additional Employer credit, plus interest (calculated using a rate equal to 4.5% from
January 1, 2005 to the date the additional Employer credit is credited to his or her Supplemental Savings Account as provided herein) shall be credited to the Participant’s Supplemental Savings Account in accordance with Section 4.1.
The additional Employer credit shall be credited to his or her Supplemental Savings Account as soon as administratively practicable after September 1, 2005, but in any event no later than December 31, 2005. 

Except where inconsistent with this Section 4.3, the additional Employer credit shall be subject to all provisions of the Plan
applicable to Employer credits. 

  
 7 

 4.4 Participant Credits. The amount of Participant credits for a Participant
shall equal (a) minus (b) below: 
  

	 	(a)	The total amount of Pre-tax Contributions and Roth Contributions that would otherwise have been contributed to the Basic Plan for the Participant without regard to the
Limits or deferrals into the DCP; 

  

	 	(b)	The actual amount of Pre-tax Contributions and Roth Contributions contributed to the Basic Plan for the Participant. 

4.5 Interest Credits. 
  

	 	(a)	Interest credits to a Participant’s Supplemental Savings Account, if applicable, shall be considered made on a monthly basis. 

 

	 	(b)	All credits shall accrue Interest starting with the first full calendar month in which they are deemed to be a part of the applicable Supplemental Savings Account and
ending with the last full calendar month in which credits are still deemed to be part of the Supplemental Savings Account. 

  

	 	(c)	Interest shall be based on the balance of the value of the Participant’s Supplemental Savings Account as of the first working day of the calendar month and
credited as of the last working day of the calendar month. 

  

	 	(d)	In the event there is a withdrawal by a Participant from his or her Supplemental Savings Account, the value of such Supplemental Savings Account, prior to the
withdrawal, shall be credited with Interest to the end of the calendar month in which the withdrawal is actually made. The amount of the withdrawal shall then be subtracted from the balance so determined. 

 

	 	(e)	Interest shall be earned only on monies held under reserve by an Employer. If the Plan Administrator has invested any portion of a Participant’s Supplemental
Savings Account, Interest shall not be earned on such portion, but such Account shall be adjusted for actual earnings, gains, and losses on such investment. 

  
 8 

 ARTICLE V 
 IN-SERVICE WITHDRAWALS 
 5.1 Pre-2005 Benefit. This
section applies only to a Pre-2005 Benefit. 
  

	 	(a)	In-Service Withdrawals. Subject to the limitations of Section 5.3, a Participant, by filing a written request with the Plan Administrator, may, while
employed by an Employer or an Affiliate, elect to withdraw 33%, 67% or 100% of his or her Pre-2005 Benefit. 

  

	 	(b)	Limitation on In-Service Withdrawals. Any In-Service withdrawal under paragraph (a) of this Section 5.1 shall be subject to a 10% early distribution
penalty. 

  

	 	(c)	Unforeseeable Emergency. At the written request of a Participant, and in the written discretion of the Plan Administrator, up to 100% of the balance of a
Participant’s Pre-2005 Benefit, determined as of the last day of the calendar month prior to the date of distribution may be distributed to a Participant in a lump sum in the case of an Unforeseeable Emergency. 

5.2 Post-2004 Benefit. A Participant shall be entitled to withdraw all or any portion of his or her Post-2004 Benefit, as
he or she may request in a direction delivered to the Plan Administrator, in the case of an Unforeseeable Emergency. 
 5.3
Limitations on In-Service Withdrawals. Any In-Service Withdrawal under this Article V shall be subject to the following provisions: 
  

	 	(a)	Only one In-Service Withdrawal shall be permitted in any 12-month period. 

  

	 	(b)	In-Service Withdrawals under this Article V shall require suspension of Employer credits and Participant credits (but not Interest credits) under the Plan for a period
of time varying with the percentage of the value of the Participant’s Supplemental Savings Account which is withdrawn, according to the following schedule: 

 

					
	 Percentage
	  	Suspension	 
	 Up to 33%.
	  	 	2 months	  
	 34 - 67%
	  	 	4 months	  
	 68 - 100%
	  	 	6 months	  

 This suspension shall not affect a Participant’s participation in the Basic Plan nor the basis for
determining the Employer contributions or Participant Pre-tax Contributions under the Basic Plan. 

  
 9 

 ARTICLE VI 
 TERMINATION OF PARTICIPATION 
 AND PAYMENT OF BENEFITS

 6.1 Termination of Participation. A Participant’s participation in the Plan shall terminate at
separation from service with the Company and all Affiliates for any reason, including Disability or death. 
 6.2 Benefits
at Termination of Participation. Upon his or her separation from service, a Participant, his or her spouse, or his or her Beneficiary or legal representative shall be entitled to 100% of the Participant’s Supplemental Savings Account
credited with Interest, if applicable, through the calendar month preceding the date payment is made to the Participant (or to his or her spouse, legal representative or Beneficiary in the case of his or her incapacity or death). 

 

	 	6.3	Method and Time of Payment. 

  

	 	(a)	Pre-2005 Benefit. 

 (i)
The Pre-2005 Benefit payable under the Plan to a Participant or his or her spouse, Beneficiary, or legal representative shall be paid in the same form under which the Basic Plan benefit is payable to the Participant or his or her spouse,
Beneficiary, or legal representative. The Participant’s election under the Basic Plan of any optional form of payment of his or her Basic Plan benefit (with the valid consent of his or her surviving spouse where required under the Basic Plan)
shall also be applicable to the payment of his or her Pre-2005 Benefit under the Plan. 
 (ii) Payment of the Pre-2005 Benefit
under the Plan to a Participant or his or her spouse, Beneficiary, or legal representative under the Plan shall commence on the same date as payment of the benefit to the Participant or his or her spouse, Beneficiary, or legal representative under
the Basic Plan commences. Any election under the Basic Plan made by the Participant with respect to the commencement of payment of his or her benefit under the Basic Plan shall also be applicable with respect to the commencement of payment of his or
her Pre-2005 Benefit under the Plan. 
 (iii) Notwithstanding the provisions of paragraphs (i) and (ii) above, an
election made by the Participant under the Basic Plan with respect to the form of payment of his or her Pre-2005 Benefit thereunder (with the valid consent of his or her surviving spouse where required under the Basic Plan), or the date for
commencement of payment thereof, shall not be effective with respect to the form of payment or date for commencement of payment of his or her Pre-2005 Benefit under the Plan unless such election is expressly approved in writing by the Plan

  
 10 

 
Administrator. If the Plan Administrator shall not approve such election in writing, then the form of payment or date for commencement of payment of the Participant’s Pre-2005 Benefit under
the Plan shall be selected by the Plan Administrator at its sole discretion. 
  

	 	(b)	Post-2004 Benefit. 

 (i)
Payment of a Post-2004 Benefit in accordance with this Section 6.3 shall commence within 45 days after the Participant’s date of separation from service with the Company and all Affiliates, or, if later, within such timeframe permitted
under Code Section 409A, and guidance and regulations thereunder. 
 (ii) The Post-2004 Benefit shall be payable in a form
elected by a Participant no later than December 31, 2005. Notwithstanding the preceding sentence, in the case of an Employee who becomes a Participant on or after January 1, 2005, the aforementioned election with respect to the form of
payment of a Post-2004 Benefit shall be made within 30 days after the date the Participant first becomes eligible to participate, and such election shall be effective with respect to Compensation related to services to be performed subsequent to the
election; provided that such a Participant shall not be considered first eligible if on the date he becomes a Participant he participates in any other nonqualified account balance plan that is subject to Code Section 409A, maintained by the
Company or an Affiliate. The form of payment shall be elected by the Participant at the time he makes the election described in the first or second sentence of this paragraph (iii) from among those forms of payment available at that time under
the Basic Plan. If a timely payment election is not made by a Participant, payment shall be made in a lump sum. 
 (iii) A
Participant cannot change the time or form of payment of a Post-2004 Benefit under this Section 6.3(b) unless (A) such election does not take effect until at least 12 months after the date the election is made, (B) in the case of an
election related to a payment not related to the Participant’s Disability or death, the first payment with respect to which such new election is effective is deferred for a period of not less than five years from the date such payment would
otherwise have been made, and (C) any election related to a payment based upon a specific time or pursuant to a fixed schedule may not be made less than 12 months prior to the date of the first scheduled payment. 

(iv) Notwithstanding any preceding provision of this Section 6.3(b), a Participant may change an election with respect to the time
and form of payment of a Post-2004 Benefit, without regard to the restrictions imposed under paragraph (iii) next above, on or before December 31, 2006; provided that such election (A) applies only to amounts that would not otherwise
be payable in calendar year 2006, and (B) shall not cause an amount to be paid in calendar year 2006 that would not otherwise be payable in such year. 

  
 11 

 (v) Notwithstanding any other provision of the Plan, in no event can a payment of a
Post-2004 Benefit to a Participant who is a Specified Employee of the Company or an Affiliate, at a time during which the Company’s capital stock or capital stock of an Affiliate is publicly traded on an established securities market, in the
calendar year of his or her separation from service be made before the date that is six months after the date of the Participant’s separation from service with the Company and all Affiliates, unless such separation is due to death or
Disability. 
 A Participant shall be deemed to be a Specified Employee for purposes of this subparagraph (v) if he or she
is in job category C2 or above with respect to the Company or the Affiliate that employs him or her; provided that if at any time the total number of Employees in job category C2 and above is less than 50, a Specified Employee shall include any
person who meets the definition of a Key Employee set forth in Code Section 416(i) without reference to paragraph (5). A Participant shall be deemed to be a Specified Employee with respect to a calendar year if he is a Specified Employee on
September 30th of the preceding calendar year. If a Specified Employee will receive payments hereunder in the form of installments or an annuity, the first payment made as of the date six months after the date of the Participant’s
separation from service with the Company and all Affiliates shall be a lump sum, paid as soon as practicable after the end of such six-month period, that includes all payments that would otherwise have been made during such six-month period. From
and after the end of such six month period, any such installment or annuity payments shall be made pursuant to the terms of the applicable installment or annuity form of payment. 

 

	 	(c)	Mandatory Lump Sum Payments. 

 Notwithstanding any other provision in this Section 6.3, if (1) the sum of the Participant’s Pre-2005 Benefit and Post-2004 Benefit does not exceed the applicable dollar limit under code
Section 402(g)(l)(B) and (2) this sum is the entirety of the Participant’s interest in the Plan and all other arrangements with respect to which deferrals of compensation are treated as having been deferred under a single nonqualified
deferred compensation plan under Code Section 409A and applicable guidance thereunder (i.e., this Plan and the NiSource Inc. Executive Deferred Compensation Plan), then the form of payment of both the Pre-2005 Benefit and Post-2004
Benefit shall be a single lump sum. 

  
 12 

 ARTICLE VII 
 ADMINISTRATION OF PLAN 
 7.1 Allocation of Duties to
Committees. The Plan shall be administered by the Benefits Committee, as delegated by the ONC Committee. The Benefits Committee shall have the authority to make, amend, interpret, and enforce all appropriate rules and regulations for the
administration of the Plan and decide or resolve any and all questions, including interpretations of the Plan, as may arise in such administration, except as otherwise reserved to the ONC Committee herein, or by resolution or charter of the
respective committees. 
 In its discretion, the Plan Administrator may delegate to any division or department of the Company
the discretionary authority to make decisions regarding Plan administration, within limits and guidelines from time to time established by the Plan Administrator. The delegated discretionary authority shall be exercised by such division or
department’s senior officer, or his/her delegate. Within the scope of the delegated discretionary authority, such officer or person shall act in the place of the Plan Administrator and his/her decisions shall be treated as decisions of the Plan
Administrator. 
 7.2 Agents. The Plan Administrator may, from time to time, employ agents and delegate to them
such administrative duties as it sees fit, and may from time to time consult with counsel who may be counsel to the Company. 

7.3 Information Required by Plan Administrator. The Company shall furnish the Plan Administrator with such data and
information as the Plan Administrator may deem necessary or desirable in order to administer the Plan. The records of the Company as to an employee’s or Participant’s period or periods of employment, separation from Service and the reason
therefore, reemployment and Compensation will be conclusive on all persons unless determined to the Plan Administrator’s satisfaction to be incorrect. Participants and other persons entitled to benefits under the Plan also shall furnish the
Plan Administrator with such evidence, data or information as the Plan Administrator considers necessary or desirable to administer the Plan. 
 7.4 Binding Effect of Decisions. Subject to applicable law, and the provisions of Article VIII, any interpretation of the provisions of the Plan and any decision on any matter within the
discretion of the Benefits Committee and/or the ONC Committee (or any duly authorized delegate of either such committee) and made in good faith shall be binding on all persons. 

  
 13 

 ARTICLE VIII 
 CLAIMS PROCEDURE 
 8.1 Claims Procedure. Claims
for benefits under the Plan shall be made in writing to the Plan Administrator. The Plan Administrator shall establish rules and procedures to be followed by Participants and Beneficiaries in filing claims for benefits, and for furnishing and
verifying proof necessary to establish the right to benefits in accordance with the Plan, consistent with the remainder of this Article. 
 8.2 Review of Claim. The Plan Administrator shall review all claims for benefits. Upon receipt by the Plan Administrator of such a claim, it shall determine all facts that are necessary to
establish the right of the claimant to benefits under the provisions of the Plan and the amount thereof as herein provided within 90 days of receipt of such claim. If prior to the expiration of the initial 90 day period, the Plan Administrator
determines additional time is needed to come to a determination on the claim, the Plan Administrator shall provide written notice to the Participant, Beneficiary or other claimant of the need for the extension, not to exceed a total of 180 days from
the date the application was received. If the Plan Administrator fails to notify the claimant in writing of the denial of the claim within 90 days after the Plan Administrator receives it, the claim shall be deemed denied. 

8.3 Notice of Denial of Claim. If the Plan Administrator wholly or partially denies a claim for benefits, the Plan
Administrator shall, within a reasonable period of time, but no later than 90 days after receiving the claim (unless extended as noted above), notify the claimant in writing of the denial of the claim. Such notification shall be written in a manner
reasonably expected to be understood by such claimant and shall in all respects comply with the requirements of ERISA, including but not limited to inclusion of the following: 

 

	 	(a)	the specific reason or reasons for denial of the claim; 

  

	 	(b)	a specific reference to the pertinent Plan provisions upon which the denial is based; 

 

	 	(c)	a description of any additional material or information necessary for the claimant to perfect the claim, together with an explanation of why such material or
information is necessary; and 

  

	 	(d)	an explanation of the Plan’s review procedure, 

 8.4 Reconsideration of Denied Claim. Within 60 days of the receipt by the claimant of the written notice of denial of the claim, or within 60 days after the claim is deemed denied as set
forth above, if applicable, the claimant or duly authorized representative may file a written request with the Benefits Committee that it conduct a full and fair review of the denial of the claimant’s claim for benefits. If the claimant or duly
authorized representative fails to request such a reconsideration within such 60 day period, it shall be conclusively determined for all purposes of the Plan that the denial of such claim by the Benefits Committee is correct. In connection with the
claimant’s appeal of the denial of his or her benefit, the claimant may review pertinent documents and may submit issues and comments in writing. 

  
 14 

 The Benefits Committee shall render a decision on the claim appeal promptly, but not later
than 60 days after receiving the claimant’s request for review, unless, in the discretion of the Benefits Committee, special circumstances require an extension of time for processing, in which case the 60-day period may be extended to 120 days.
The Benefits Committee shall notify the claimant in writing of any such extension. The notice of decision upon review shall be in writing and shall include specific reasons for the decision, written in a manner calculated to be understood by the
claimant, as well as specific references to the pertinent Plan provisions upon which the decision is based. If the decision on review is not furnished within the time period set forth above, the claim shall be deemed denied on review. 

If such determination is favorable to the claimant, it shall be binding and conclusive. If such determination is adverse to such
claimant, it shall be binding and conclusive unless the claimant or his duly authorized representative notifies the Benefits Committee within 90 days after the mailing or delivery to the claimant by the Benefits Committee of its determination that
claimant intends to institute legal proceedings challenging the determination of the Benefits Committee and actually institutes such legal proceedings within 180 days after such mailing or delivery. 

ARTICLE IX 

PLAN AMENDMENT AND TERMINATION 
 9.1 Plan Amendment. While the Company intends to maintain the Plan in conjunction with the Basic Plan, the Company or the ONC Committee reserves the right to amend the Plan at any time and
from time to time with respect to eligibility for the Plan, the level of benefits awarded under the Plan and the time and form of payment for benefits from the Plan. The ONC Committee or the Board shall have the authority to amend the Plan. The ONC
Committee or the Board shall have the exclusive authority to amend the Plan regarding eligibility for the Plan, the amount or level of benefits awarded under the Plan, and the time and form of payments for benefits from the Plan. In addition, the
ONC Committee or the Board shall also have the exclusive authority to make amendments that constitute a material increase in compensation, any change requiring action or consent by a committee of the Board pursuant to the rules of the Securities and
Exchange Commission, the New York Stock Exchange or other applicable law, or such other material changes to the Plan such that approval of the Board is required. Unless otherwise determined by the ONC Committee, the Benefits Committee shall have the
authority to amend the Plan in all respects that are not exclusively reserved to the ONC Committee or the Board. 
 The
respective committee may at any time amend the Plan by written instrument, notice of which is given to all Participants and to Beneficiaries. Notwithstanding the preceding sentence, no amendment shall impair or alter such right to a benefit accrued
under the Plan as of the effective date of such amendment to or with respect to any Employee who has become a Participant in the Plan before the effective date of such amendment or with respect to his or her Beneficiary. 

  
 15 

 9.2 Plan Termination. The ONC Committee or the Company may terminate the Plan
at any time provided that termination of the Plan shall not impair or alter such right to a benefit accrued under the Plan as of the effective date of such termination to or with respect to any Employee who has become a Participant in the Plan
before the effective date of such termination or with respect to his or her Beneficiary. 
 Upon termination of the Plan,
distribution of Plan benefits shall be made to Participants, surviving spouses and beneficiaries in the manner and at the time described in Article VI of the Plan. No additional benefits shall be earned after termination of the Plan other than the
crediting of Interest until the date of distribution of a Participant’s Supplemental Savings Account. 
 ARTICLE X

 MISCELLANEOUS PROVISIONS 
 10.1 Unsecured General Creditor. Participants and Beneficiaries shall be unsecured general creditors, with no secured or preferential right to any assets of the Company, any other Employer,
or any other party for payment of benefits under the Plan. Obligations of the Company and each other Employer under the Plan shall be an unfunded and unsecured promise to pay money in the future. 

10.2 Income Tax Payout. 
  

	 	(a)	Notwithstanding anything to the contrary contained herein, (1) in the event that the Internal Revenue Service prevails in its claim that any amount of a Pre-2005
Benefit, payable pursuant to the Plan and held in the general assets of the Company or any other Employer, constitutes taxable income to a Participant or his or her Beneficiary for a taxable year prior to the taxable year in which such amount is
distributed to him or her, or (2) in the event that legal counsel satisfactory to the Company, and the applicable Participant or his or her Beneficiary, renders an opinion that the Internal Revenue Service would likely prevail in such a claim,
the amount of such Benefit held in the general assets of the Company or any other Employer, to the extent constituting taxable income, shall be immediately distributed to the Participant or his or her Beneficiary. For purposes of this Section, the
Internal Revenue Service shall be deemed to have prevailed in a claim if such claim is upheld by a court of final jurisdiction, or if the Participant or Beneficiary, based upon an opinion of legal counsel satisfactory to the Company and the
Participant or his or her Beneficiary, fails to appeal a decision of the Internal Revenue Service, or a court of applicable jurisdiction, with respect to such claim, to an appropriate Internal Revenue Service appeals authority or to a court of
higher jurisdiction within the appropriate time period. 

  
 16 

	 	(b)	Notwithstanding anything to the contrary contained herein, (1) in the event that the Internal Revenue Service prevails in its claim that any amount of a Post-2004
Benefit, payable pursuant to the Plan and held in the general assets of the Company or any other Employer, constitutes taxable income under Code Section 409A, and guidance and regulations thereunder, to a Participant or his or her Beneficiary
for a taxable year prior to the taxable year in which such amount is distributed to him or her, or (2) in the event that legal counsel satisfactory to the Company, and the applicable Participant or his or her Beneficiary, renders an opinion
that the Internal Revenue Service would likely prevail in such a claim, the amount of such Benefit held in the general assets of the Company or any other Employer, to the extent constituting such taxable income, shall be immediately distributed to
the Participant or his or her Beneficiary. For purposes of this Section, the Internal Revenue Service shall be deemed to have prevailed in a claim if such claim is upheld by a court of final jurisdiction, or if the Participant or Beneficiary, based
upon an opinion of legal counsel satisfactory to the Company and the Participant or his or her Beneficiary, fails to appeal a decision of the Internal Revenue Service, or a court of applicable jurisdiction, with respect to such claim, to an
appropriate Internal Revenue Service appeals authority or to a court of higher jurisdiction within the appropriate time period. 

 10.3 General Conditions. Except as otherwise expressly provided herein, all terms and conditions of the Basic Plan applicable to a Basic Plan benefit shall also be applicable to a benefit
payable hereunder. Any Basic Plan benefit shall be paid solely in accordance with the terms and conditions of the Basic Plan and nothing in the Plan shall operate or be construed in any way to modify, amend or affect the terms and provisions of the
Basic Plan. Defined terms used in the Plan that are not defined in this Article or elsewhere in the Plan but are defined in the Basic Plans shall have the meanings assigned to them in the Basic Plans. 

10.4 No Guaranty of Benefits. Nothing contained in the Plan shall constitute a guaranty by the Company or any other
Employer or any other entity or person that the assets of the Company or any other Employer shall be sufficient to pay any benefit hereunder. 
 10.5 No Enlargement of Employee Rights. No Participant or Beneficiary shall have any right to a benefit under the Plan except in accordance with the terms of the Plan. Establishment of the
Plan shall not be construed to give any Participant or Beneficiary the right to be retained in the service of the Company or any other Employer. 
 10.6 Nonalienation of Benefits. No interest of any person or entity in, or right to receive a benefit under, the Plan shall be subject in any manner to sale, transfer, assignment, pledge,
attachment, garnishment, or other alienation or encumbrance of any kind; nor may such interest or right to receive a benefit be taken, either voluntarily or involuntarily, for the satisfaction of the debts of, or other obligations or claims against,
such person or entity, including claims for alimony, support, separate maintenance, and claims in bankruptcy proceedings. 

  
 17 

 Notwithstanding the preceding paragraph, the Supplemental Savings Account of any Participant
shall be subject to and payable in the amount determined in accordance with any qualified domestic relations order, as that term is defined in Section 206(d)(3) of ERISA. The Plan Administrator shall provide for payment of such portion of a
Supplemental Savings Account to an alternate payee (as defined in Section 206(d)(3) of ERISA) as soon as administratively possible following receipt of such order. Any federal, state or local income tax associated with such payment shall be the
responsibility of the alternate payee. The balance of any Supplemental Savings Account that is subject to any qualified domestic relations order shall be reduced by the amount of any payment made pursuant to such order. 

10.7 Applicable Law. The Plan shall be construed and administered under the laws of the State of Indiana, except to the
extent preempted by applicable federal law. 
 10.8 Incapacity of Recipient. If any person entitled to a benefit
payment under the Plan is deemed by the Plan Administrator to be incapable of personally receiving and giving a valid receipt for such payment, then, unless and until claim therefor shall have been made by a duly appointed guardian or other legal
representative of such person, the Plan Administrator may provide for such payment or any part thereof to be made to any other person or institution then contributing toward or providing for the care and maintenance of such person. Any such payment
shall be a payment for the account of such person and a complete discharge of any liability of the Company, any other Employer, the Plan Administrator and the Plan therefor. 
 10.9 Unclaimed Benefit. Each Participant shall keep the Plan Administrator informed of his or her current address and the current address of his or her Beneficiaries. The Plan Administrator
shall not be obligated to search for the whereabouts of any person. If the location of a Participant is not made known to the Plan Administrator within three years after the date on which payment of the Participant’s benefit may first be made,
payment may be made as though the Participant had died at the end of the three-year period. If, within one additional year after such three-year period has elapsed or within three years after the actual death of a Participant, the Plan Administrator
is unable to locate any Beneficiary of the Participant, then the Plan Administrator shall have no further obligation to pay any benefit hereunder to such Participant, Beneficiary, or any other person and such benefit shall be irrevocably forfeited.

 10.10 Limitations on Liability. Notwithstanding any of the preceding provisions of the Plan, none of the
Company, any other Employer, or any individual acting as an employee, or agent at the direction of the Company or any other Employer, or any member of the Benefits Committee, the ONC Committee or any delegate of such committees, shall be liable to
any Participant, former Participant, Beneficiary, or any other person for any claim, loss, liability or expense incurred in connection with the Plan. 
 [signature block follows on next page] 

  
 18 

 IN WITNESS WHEREOF, NiSource Inc. has caused this amended and restated Savings and
Restoration Plan for NiSource Inc. and Affiliates to be executed in its name, by its duly authorized officer, effective as of May 13, 2011. 
  

			
	NISOURCE INC.
		
	By:	 	/s/ Joel Hoelzer
	Its:	 	V.P. Human Resources
	Date:	 	July 28, 2011

  
 19

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