Document:

DGX 12.31.2012 EX 10.19

   EXHIBIT 10.19    

QUEST DIAGNOSTICS 
 
SUPPLEMENTAL DEFERRED COMPENSATION PLAN
(PRE – 2005)

AMENDED NOVEMBER 27, 2012

EXHIBIT 10.19

PREAMBLE 
Effective as of January 1, 1999, Quest Diagnostics adopted this Quest Diagnostics Supplemental Deferred Compensation Plan for the benefit of certain of its Employees.  As a result of the enactment in 2004 of Section 409A of the Internal Revenue Code of 1986, as amended from time to time (the “Code”), Quest Diagnostics adopted the Quest Diagnostics Supplemental Deferred Compensation Plan (Post-2004) document to reflect the terms that will govern amounts that were deferred (within the meaning of Treas. Reg. §1.409A-6(a)(1)) under the Plan in taxable years beginning on and after January 1, 2005. Quest Diagnostics hereby desires to amend the Plan document to evidence the intention that, with limited exceptions, amounts that were deferred (within the meaning of Treas. Reg. §1.409A-6(a)(1)) under the Plan in taxable years beginning before January 1, 2005 will be governed by the terms of the Plan as in effect as of October 3, 2004 and that Section 409A will not be applicable to such amounts (including any earnings thereon) and adopts this document, the Quest Diagnostics Supplemental Deferred Compensation Plan (Pre – 2005) for that purpose.  Unless otherwise expressly determined by Quest Diagnostics, it is the intent that no amendment to this document be considered a “material modification” within the meaning of Treas. Reg. 1.409A-6(a)(4).  
For these purposes, an amount is considered deferred before January 1, 2005, if before such date, the employee had a legally binding right to be paid the amount (within the meaning of Treas. Reg. §1.409A-1(b)(1)), and the right to the amount was earned and vested (within the meaning of Treas. Reg. §1.409A-6(a)).  
The purpose of the Plan is to provide supplemental retirement income and to permit eligible Employees the option to defer receipt of Compensation, pursuant to the terms of the Plan.  The Plan is intended to be an unfunded deferred compensation plan maintained for the benefit of a select group of management or highly compensated employees under sections 201(2), 301(a)(3) and 401(a)(1) of ERISA and therefore to be exempt from Parts 2, 3 and 4 of Subtitle B of Title I of ERISA to the maximum extent permissible under the provisions thereof.

EXHIBIT 10.19

TABLE OF CONTENTS
	
						
	ARTICLE 1.
	 
	DEFINITIONS
	 
	1
	

	 
	 
	 
	 
	 

	1.1
	 
	Definitions
	 
	1
	

	 
	 
	 
	 
	 

	ARTICLE 2.
	 
	PARTICIPATION
	 
	4
	

	 
	 
	 
	 
	 

	2.1
	 
	Participation
	 
	4
	

	2.2
	 
	Resumption of Participation Following Reemployment
	 
	4
	

	2.3
	 
	Change in Employment Status
	 
	4
	

	 
	 
	 
	 
	 

	ARTICLE 3.
	 
	CONTRIBUTIONS
	 
	5
	

	 
	 
	 
	 
	 

	3.1
	 
	Deferral Contributions
	 
	5
	

	3.2
	 
	Participating Employer Contributions
	 
	6
	

	3.3
	 
	Transfer of Funds
	 
	6
	

	 
	 
	 
	 
	 

	ARTICLE 4.
	 
	PARTICIPANTS' ACCOUNTS
	 
	7
	

	 
	 
	 
	 
	 

	4.1
	 
	Individual Accounts
	 
	7
	

	4.2
	 
	Accounting for Payments
	 
	7
	

	 
	 
	 
	 
	 

	ARTICLE 5.
	 
	INVESTMENT OF CONTRIBUTIONS
	 
	8
	

	 
	 
	 
	 
	 

	5.1
	 
	Manner of Investment
	 
	8
	

	5.2
	 
	Investment Decisions
	 
	8
	

	 
	 
	 
	 
	 

	ARTICLE 6.
	 
	RIGHT TO BENEFITS
	 
	9
	

	 
	 
	 
	 
	 

	6.1
	 
	Termination of Employment
	 
	9
	

	6.2
	 
	Death
	 
	9
	

	6.3
	 
	Payment on a Designated Future Date
	 
	9
	

	6.4
	 
	Payment Due to an Unforeseen Emergency
	 
	9
	

	6.5
	 
	Adjustment for Investment Experience
	 
	9
	

	6.6
	 
	Forfeiture of Unvested Amounts
	 
	10
	

	6.7
	 
	Taxes
	 
	10
	

	 
	 
	 
	 
	 

	ARTICLE 7.
	 
	PAYMENT OF BENEFITS
	 
	11
	

	 
	 
	 
	 
	 

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EXHIBIT 10.19

	
						
	7.1
	 
	Payment of Benefits to Participants and Beneficiaries
	 
	11
	

	7.2
	 
	Determination of Method of Payment
	 
	11
	

	7.3
	 
	Right of Offset
	 
	11
	

	7.4
	 
	Payment in the Event of Taxation
	 
	11
	

	7.5
	 
	Clawback
	 
	11
	

	 
	 
	 
	 
	 

	ARTICLE 8.
	 
	AMENDMENT AND TERMINATION.
	 
	12
	

	 
	 
	 
	 
	 

	8.1
	 
	Plan Amendment
	 
	12
	

	8.2
	 
	Retroactive Amendments
	 
	12
	

	8.3
	 
	Plan Termination
	 
	12
	

	8.4
	 
	Payment upon Termination of the Plan
	 
	12
	

	 
	 
	 
	 
	 

	ARTICLE 9.
	 
	THE TRUST
	 
	13
	

	 
	 
	 
	 
	 

	9.1
	 
	Establishment of Trust
	 
	 

	 
	 
	 
	 
	 

	ARTICLE 10.
	 
	MISCELLANEOUS
	 
	14
	

	 
	 
	 
	 
	 

	10.1
	 
	Limitation of Rights
	 
	14
	

	10.2
	 
	Spendthrift Provision
	 
	14
	

	10.3
	 
	Facility of Payment
	 
	14
	

	10.4
	 
	Discharge of Obligations
	 
	14
	

	10.5
	 
	Furnishing Information
	 
	15
	

	10.6
	 
	Information between the Administrator and Trustee
	 
	15
	

	10.7
	 
	Notices
	 
	15
	

	10.8
	 
	Writings and Electronic Communications
	 
	15
	

	10.9
	 
	Governing Law
	 
	15
	

	10.10
	 
	Construction
	 
	15
	

	

	 
	 
	 
	 

	ARTICLE 11.
	 
	PLAN ADMINISTRATION
	 
	16
	

	 
	 
	 
	 
	 

	11.1
	 
	Powers and Responsibilities of the Administrator
	 
	16
	

	11.2
	 
	Claims and Review Procedures
	 
	16
	

	11.3
	 
	Plan’s Administrative Costs
	 
	17
	

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EXHIBIT 10.19

		
	Article 1.
	Definitions.

1.1    Definitions.  Pronouns used in the Plan are in the masculine gender but include the feminine gender unless the context clearly indicates otherwise.  Wherever used herein, the following terms have the meanings set forth below, unless a different meaning is clearly required by the context: 
(a)    “Account” means an account established on the books of a Participant’s Employer for the purpose of recording Deferral Contributions and Employer Contributions credited on behalf of a Participant in respect of compensation for services to such Employer and any notional income, expenses, gains or losses related thereto.  For each Participant who was a participant in the MetPath Inc. Deferred Compensation Plan, a MetPath Plan Subaccount was established as part of the Participant’s Account.  For purposes of this Plan document, “Account” shall include only amounts that are deferred within the meaning of Treas. Reg. §1.409A-6(a)(1)) during taxable years before January 1, 2005. An amount is considered deferred before January 1, 2005, if before such date, the Participant had a legally binding right to be paid the amount (within the meaning of Treas. Reg. §1.409A-1(b)(1)), and the right to the amount was earned and vested (within the meaning of Treas. Reg. §1.409A-6(a)).
(b)    “Administrator” means Quest Diagnostics acting through its officers and employees. 
(c)    “Appeals Committee” means the Quest Diagnostics Appeals Committee, which is designated from time to time by the Administrator to administer the claims and review procedures specified in Section 11.2. 
(d)    “Beneficiary” means the person or persons entitled under Section 6.2 to receive benefits under the Plan upon the death of a Participant.
(e)    “Bonus” means the cash bonus that is payable each March (if not deferred pursuant to Section 3.1) under the Senior Management Incentive Plan or the Quest Diagnostics Incorporated Management Incentive Plan.
(f)    “Code” means the Internal Revenue Code of 1986, as amended from time to time.
(g)    “Compensation” shall have the meaning ascribed to the term “Deferral Compensation” by the Profit Sharing Plan; provided that any exclusion attributable to (i) deferred compensation deferred pursuant to this Plan or (ii) limits imposed by Code Section 401(a)(17) shall not apply.
(h)    “Deferral Contributions” means those amounts credited to a Participant’s Account pursuant to Section 3.1.
(i)    “Eligible Employee” means an Employee of an Employer who is determined by the Administrator to be among a select group of management or highly compensated Employees and who is designated by the Administrator as an Eligible Employee for purposes of the Plan.
(j)    “Employee” means any employee of an Employer.

EXHIBIT 10.19

(k)    “Employer” means Quest Diagnostics and any successors and assigns unless otherwise provided herein, and shall include any Related Employer or other affiliated employer adopting this Plan.
(l)    “Employer Contributions” means amounts credited to a Participant’s Account pursuant to Section 3.2.
(m)    “Employer Stock” means any class of common stock of Quest Diagnostics or the preferred stock of Quest Diagnostics that is convertible into common stock.
(n)    “ERISA” means the Employee Retirement Income Security Act of 1974, as from time to time amended.
(o)    “MetPath Plan Subaccount” means the subaccount established and maintained by the Administrator pursuant to Section 4.1 on behalf of each Participant who was a participant in the MetPath Inc. Deferred Compensation Plan.
(p)    “Participant” means any Eligible Employee who has filed in accordance with Article 2 an election to defer Compensation pursuant to Section 3.1.
(q)    “Plan” means this Quest Diagnostics Supplemental Deferred Compensation Plan as in effect from time to time.
(r)    “Plan Year” means the calendar year.
(s)    “Profit Sharing Plan” means the Profit Sharing Plan of Quest Diagnostics Incorporated, as amended from time to time.
(t)    “Quest Diagnostics” means Quest Diagnostics Incorporated.
(u)    “Related Employer” means any employer other than Quest Diagnostics, if Quest Diagnostics and such other employer are members of a controlled group of corporations (as defined in Section 414(b) of the Code) or an affiliated service group (as defined in Code Section 414(m)), or are trades or businesses (whether or not incorporated) which are under common control (as defined in Section 414(c)), or such other employer is required to be aggregated with Quest Diagnostics pursuant to regulations issued under Code Section 414(o).
(v)     “Section 16 Executive” means an Eligible Employee who is designated as such by the Administrator.
(w)    “Section 401(a)(17) Limit” means the maximum amount of annual compensation that can be taken into account by the Profit Sharing Plan pursuant to Code Section 401(a)(17).
(x)    “Senior Executive” means an Eligible Employee who is designated as such by the Administrator.

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(y)    “Senior Management Incentive Plan” means the Quest Diagnostics Incorporated Senior Management Incentive Plan, as in effect from time to time.
(z)    “SMIP Bonus Subaccount” means the portion of a Participant’s Account established and maintained by the Administrator on behalf of each Participant who elects to defer a portion of his Bonus payable under the Senior Management Incentive Plan and any other plan intended to pay performance-based compensation within the meaning of Code Section 162(m)(4)(c).
(aa)    “Supplemental Contribution” means an additional discretionary Employer Contribution credited to a Participant’s Account pursuant to Section 3.2.
(bb)    “Trust” means the trust fund established pursuant to the terms of the Plan.
(cc)    “Trust Agreement” means the agreement by and among the Trustee and each Employer establishing the Trust.
(dd)    “Trustee” means the corporation or individuals named in the agreement establishing the Trust and such successor and/or additional trustees as may be named in accordance with the Trust Agreement.

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EXHIBIT 10.19

		
	Article 2.
	Participation.

2.1    Participation.  Each Eligible Employee who has an Account is a Participant covered under this Plan document.  No other Eligible Employee shall become a Participant covered under this Plan document after December 31, 2004 .  An election to defer Compensation will be timely if it is filed in accordance with procedures established by the Administrator which shall require elections to be filed no later than January 1 of the Plan Year to which the deferral election applies or, if an individual is designated by the Administrator as an Eligible Employee during the Plan Year, within 30 days following the date of such designation.
2.2    Resumption of Participation Following Reemployment.  If a Participant ceases to be an Employee and thereafter returns to the employ of an Employer before December 31, 2004 , he may again become a Participant following his reemployment, provided he is an Eligible Employee and has timely filed an election to defer Compensation pursuant to Section 3.1.
2.3    Change in Employment Status.  If any Participant continues in the employ of an Employer but ceases to be an Eligible Employee, he shall continue to be a Participant until the entire amount of the value of his Account is paid.

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EXHIBIT 10.19

		
	Article 3.
	Contributions.

3.1    Deferral Contributions.
(a)    Participant deferral elections.  Each Participant who is not a Senior Executive may elect to defer up to fifty (50) percent (in whole percentages) of his future Compensation in excess of the Section 401(a)(17) Limit.
(b)    Senior Executive deferral elections.  Each Participant who is a Senior Executive may elect to defer (1) up to fifty (50) percent (in whole percentages) of his future Compensation (excluding any Bonus deferred pursuant to Section 3.1(b)(2)) in excess of the Section 401(a)(17) Limit; and (2) up to ninety-five (95) percent (in whole percentages) of his future Compensation which constitutes Bonus.
(c)    Effectiveness of deferral election.  A deferral election shall become effective on the first day of the Plan Year (or for an individual who is designated as an Eligible Employee during the Plan Year and timely files a deferral election, the first day of the first payroll period that follows receipt by the Administrator of such election).  The election will be effective to defer Compensation relating to all services performed in the Plan Year subsequent to the time such election becomes effective.  Any subsequent election will be effective as of the first day of the following Plan Year and will apply only to Compensation payable with respect to services rendered after such date.  Amounts credited to a Participant’s Account prior to the effective date of any subsequent election will not be affected by such subsequent election.
(d)    Commencement of deferrals.  (i) Deferrals made pursuant to Section 3.1(a) and 3.1(b)(1).  If a Participant’s Compensation for a Plan Year exceeds the Section 401(a)(17) Limit on account of payment of Compensation (excluding any Bonus), then deferrals pursuant to his election under Section 3.1(a) or 3.1(b)(1) shall commence as of the payroll period coincident with or next following the payroll period in which the Participant’s Compensation exceeds the Section 401(a)(17) Limit (but deferrals shall be made only on Compensation in excess of the Section 401(a)(17) Limit).  If a Participant’s Compensation for a Plan Year exceeds the Section 401(a)(17) Limit on account of payment of Bonus, then deferrals pursuant to his election shall commence as of the payroll period in which the Participant’s Compensation exceeds the Section 401(a)(17) Limit (but deferrals shall be made only on Compensation in excess of the Section 401(a)(17) Limit).  (ii) Deferrals made pursuant to Section 3.1(b)(2).  Deferrals of Bonus pursuant to Section 3.1(b)(2) shall be made in the payroll period in which the Bonus would otherwise be paid.
(e)    Election irrevocable except as required pursuant to Profit Sharing Plan.  An Employer shall credit to the Account maintained on behalf of a Participant the amount of Compensation deferred pursuant to such Participant’s election.  Under no circumstances may an election to defer Compensation be adopted or effective retroactively.  A Participant may not revoke or change an election to defer Compensation for a Plan Year during that year; provided, however, that a Participant who has made a hardship withdrawal under the Profit Sharing Plan may not defer Compensation under this Plan for a period of six months from the date of the withdrawal, unless otherwise determined by the Administrator.

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EXHIBIT 10.19

(f)    SMIP Bonus Subaccount.  A Participant’s Employer shall credit to the Participant’s SMIP Bonus Subaccount an amount corresponding to the amount of Bonus payable under the Senior Management Incentive Plan deferred pursuant to Section 3.1(b)(2).
(g)    Vested Right.  Subject to the claims of the Employer’s creditors in the event of the Employer’s insolvency, a Participant shall have a nonforfeitable right to the value of Deferral Contributions credited to his Account.
(h)    No Deferral Contributions after 2004.  All Deferral Contributions made after 2004 and attributable to periods after 2004 shall be governed by the terms of the Quest Diagnostics Supplemental Deferred Compensation Plan (Post – 2004).
3.2    Participating Employer Contributions.
(a)    Employer Contributions.  (i) Matching Contribution.  An Employer shall credit an Employer Contribution to the Account maintained on behalf of each Participant who had Deferral Contributions credited to his Account for a payroll period.  Notwithstanding the preceding sentence, no Employer Contribution shall be credited to the Account of a Participant who is also a participant in the Quest Diagnostics Transferee Pension Plan for former Corning Incorporated employees.  The amount of the Employer Contribution to be credited on behalf of a Participant shall be equal to the applicable percentage specified from time to time in Section 3.2 of the Profit Sharing Plan of the Deferral Contributions made on behalf of the Participant with respect to such payroll period.  (ii) Vested Right.  Subject to the claims of the Employer’s creditors in the event of the Employer’s insolvency, a Participant shall have a nonforfeitable right to the value of Employer Contributions credited to his Account.
(b)    Supplemental Contributions.  In addition, a Participant’s Employer may, from time to time in its sole discretion, credit a Supplemental Contribution to a Participant’s Account in an amount determined by such Employer in its sole discretion and without regard to any Deferral Contribution elected by such Participant.  Unless otherwise specified by the Employer at the time the Supplemental Contribution is made, a Participant shall have a nonforfeitable right to the value of such Supplemental Contribution credited to his Account, subject to the claims of such Employer’s creditors in the event of such Employer’s insolvency.
(c)    No Employer Contributions after 2004.  All Employer Contributions made after 2004 and attributable to periods after 2004 shall be governed by the terms of the Quest Diagnostics Supplemental Deferred Compensation Plan (Post – 2004).
3.3    Transfer of Funds.  Each Employer will, as soon as administratively practicable after each payroll period, make a transfer of assets to the Trustee.  The Employers shall provide the Trustee with information on the amount credited to each Participant’s Account.

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EXHIBIT 10.19

		
	Article 4.
	Participants’ Accounts.

4.1    Individual Accounts.  The Administrator will establish and maintain an Account for each Participant which will reflect Deferral Contributions, Employer Contributions and Supplemental Contributions credited to the Account and any notional earnings, expenses, gains and losses credited thereto, attributable to the investments in which the Participant’s Account is treated as invested.  For each Participant who was a participant in the MetPath Inc. Deferred Compensation Plan, the Administrator will establish and maintain, as part of such Participant’s Account, a subaccount (the “MetPath Plan Subaccount”) to reflect his participation in the MetPath Inc. Deferred Compensation Plan.  The MetPath Plan Subaccount had an opening balance equal to the balance of the Participant’s account under the MetPath Inc. Deferred Compensation Plan on the date the Participant’s balance under the MetPath Inc. Deferred Compensation Plan was transferred to this Plan (with interest credited, pursuant to the terms of the MetPath Inc. Deferred Compensation Plan, from December 31, 1998 to the transfer date).  The Administrator will establish and maintain such other accounts and records as it decides in its discretion to be reasonably required or appropriate in order to discharge its duties under the Plan.  Participants will be furnished statements of their Account value at least once each Plan Year.
4.2    Accounting for Payments.  A payment to the Participant or to the Participant’s Beneficiary(ies) shall be charged to the Participant’s Account as of the date of such payment.

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EXHIBIT 10.19

		
	Article 5.
	Investment of Contributions.

5.1    Manner of Investment.  All amounts credited to the Accounts of Participants shall be treated as though invested and reinvested only in eligible investments selected by the Administrator.
5.2    Investment Decisions.  Investments in which the Accounts of Participants shall be treated as invested and reinvested shall be directed by the Employer, each Participant, or both, as specified pursuant to procedures established by the Administrator from time to time.  No portion of the Employer Contributions credited to a Participant’s Account on or after January 1, 2003 or Deferral Contributions credited to a Participant’s Account on or after April 1, 2004 may be treated as though invested in Employer Stock, but the portion of the Employer Contributions credited to a Participant’s Account before January 1, 2003 that was treated as though invested in Employer Stock shall continue, on and after January 1, 2003, to be treated as though invested in Employer Stock.
Notwithstanding the preceding provisions of this Section 5.2, in no event may a Section 16 Executive direct that Deferral Contributions made by him on or after January 1, 2000 be treated as though invested in Employer Stock.

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EXHIBIT 10.19

		
	Article 6.
	Right to Benefits.

6.1    Termination of Employment.  If a Participant terminates his employment for any reason, the value of the Participant’s Account will be paid in accordance with Article 7.
6.2    Death.  If a Participant dies before payment of the value of his Account has commenced, or before such payment has been completed, his designated Beneficiary or Beneficiaries will be entitled to receive the remaining balance of his Account.  Payment to the Beneficiary or Beneficiaries will be made in accordance with Article 7.
A Participant may designate a Beneficiary or Beneficiaries, or change any prior designation of Beneficiary or Beneficiaries by giving notice to the Administrator on a form designated by the Administrator.  With respect to any Beneficiary designations filed with the Administrator, after December 31, 2003, a Participant’s spouse must consent to his designation of a Beneficiary other than his spouse.  If more than one person is designated as the Beneficiary, their respective interests shall be indicated on the designation form.  A copy of the death notice or other sufficient documentation must be filed with and approved by the Administrator.  If upon the death of the Participant there is, in the opinion of the Administrator, no designated Beneficiary for part or all of the value of the Participant’s Account, such amount will be paid to his surviving spouse or, if none, to his estate (such spouse or estate shall be deemed to be the Beneficiary for purposes of the Plan).  If a Beneficiary dies after payment to such Beneficiary has commenced, but before the full value of the Participant’s Account has been paid, and, in the opinion of the Administrator, no person has been designated to receive such remaining balance, then such balance shall be paid to the deceased Beneficiary’s estate.
6.3    Payment on a Designated Future Date.  Concurrently with a Participant’s election to defer Compensation pursuant to Section 3.1 for any Plan Year (or the making of a Supplemental Contribution by an Employer), the Administrator may permit a Participant to designate a specific date on which a specified amount of the value of his Account attributable to such election (or a Supplemental Contribution that is nonforfeitable) shall be paid in accordance with Article 7; provided that in the event of such Participant’s earlier termination of employment or death, his Account shall be paid in accordance with Section 6.1 or 6.2, as the case may be.  Unless otherwise permitted under procedures specified by the Administrator, such election shall be irrevocable.
6.4    Payment Due to an Unforeseen Emergency.  A Participant shall not be permitted to withdraw any portion of the value of his Account prior to termination of employment or any date specified pursuant to Section 6.3 (whichever occurs first), except a Participant may apply to the Administrator, in accordance with procedures specified by the Administrator, to withdraw some or all of the value of his Account if such withdrawal is required on account of a financial hardship resulting from an unforeseen emergency.  The Administrator shall establish criteria to determine what constitutes financial hardship.  Withdrawals made on account of financial hardship shall be made in a lump sum payment in accordance with Article 7.
6.5    Adjustment for Investment Experience.  If the total value of a Participant’s Account is not paid in a single sum after the Participant terminates employment, the amount remaining in the Account after the first payment will continue to be treated as invested in an interest-bearing money 

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EXHIBIT 10.19

market account and will be subject to adjustment until paid to reflect the income, gains and losses on such deemed investment.
6.6    Forfeiture of Unvested Amounts.  Any portion of the value of a Participant’s Account attributable to a Supplemental Contribution that is not fully vested at the time he terminates employment shall be forfeited.
6.7    Taxes.    There shall be deducted from each payment made under the Plan to the Participant (or Beneficiary) all taxes that Quest Diagnostics determines are required to be withheld or deducted by Quest Diagnostics in respect to such payment or the Plan.  Quest Diagnostics shall have the right to reduce any payment by the amount of cash sufficient to provide the amount of such taxes.

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EXHIBIT 10.19

		
	Article 7.
	Payment of Benefits.

7.1    Payment of Benefits to Participants and Beneficiaries.  1.1.1.1. Payments under the Plan to a Participant or to the Beneficiary of the Participant shall be made in a lump sum in cash or, if permitted by the Administrator and specified in the Participant’s election to defer Compensation, under a systematic withdrawal plan (installment(s)) not exceeding 5 years, upon termination of employment or death.  Notwithstanding the preceding sentence, amounts attributable to that portion of the Employer Contribution credited to a Participant’s Account treated as though invested in Employer Stock pursuant to Section 5.2 shall be paid in Employer Stock following termination of employment, and any amounts attributable to Deferral Contributions credited to a Participant’s Account treated as though invested in Employer Stock shall be paid in cash or Employer Stock, as elected by the Participant.  Payments under the Plan shall be made first from the value of the Participant’s SMIP Bonus Subaccount and then from the remaining value of the Participant’s Account.
(a)    Payments under a systematic withdrawal plan must be made in substantially equal annual installments, in cash, over a period certain which does not exceed 5 years.
7.2    Determination of Method of Payment.  The Participant will determine the method of payment of benefits to himself and the method of payment to his Beneficiary.  Unless such determination was made at least one (1) year prior to the date on which a payment is to be made pursuant to Section 6.1, 6.2 or 6.3, the Participant’s prior determination shall govern such payment.  If the Participant does not determine the method of payment to him or his Beneficiary within the time frame set forth in the preceding sentence, the method shall be a lump sum.
7.3    Right of Offset.  The value of a Participant’s Account to be paid under the Plan may be reduced in accordance with procedures established by the Administrator by any amount the Participant owes his Employer at the time payment is made.
7.4    Payment in the Event of Taxation.  If, for any reason, all or any portion of the value of a Participant’s Account under this Plan becomes taxable to the Participant prior to receipt, a Participant may petition the Administrator for a payment of that portion of the value of his Account that has become taxable.  Upon the grant of such a petition, a payment shall immediately be made to a Participant in an amount equal to the taxable portion of the value of his Account (which amount shall not exceed the remaining balance of a Participant’s Account).  If the petition is granted, the tax liability payment shall be made as soon as practicable after the Participant’s petition is granted.
7.5        Clawback.  All amounts credited to a Participant’s Account under the Plan shall be subject to cancellation and recoupment by the Company, and shall be repaid by the Participant to the Company, to the extent required by law, regulation, listing requirement or as determined in accordance with any Company policy, in each case, as in effect from time to time.

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EXHIBIT 10.19

		
	Article 8.
	Amendment and Termination.

8.1    Plan Amendment.  The Compensation Committee of the Board of Directors of the Corporation shall have the authority to approve amendments to the Plan at any time and from time to time; such amendments may amend the Plan in whole or in part.  In addition, the Chief Executive Officer and Vice President, Human Resources, of the Corporation, acting jointly (the “Authorizing Officers”), are hereby authorized, without action by the Board of Directors or any committee thereof, to approve any amendment to the Plan (in whole or in part) at any time and from time to time; provided, however, that such amendment (x) has been recommended to the Authorizing Officers by the Corporation’s Benefits Committee and (y) does not increase the benefits under the Plan or otherwise materially increase the Corporation’s costs with respect to the Plan.  The Authorizing Officers promptly shall report to the Compensation Committee of the Board of Directors any amendment approved by the Authorizing Officers pursuant to this Section 8.1.  Notwithstanding the foregoing, no amendment of the Plan may reduce the value of any Participant’s Account determined as though the Participant terminated his employment as of the date of such amendment 
8.2    Retroactive Amendments.  An amendment made by Quest Diagnostics in accordance with Section 8.1 may be made effective on a date prior to the first day of the Plan Year in which it is adopted.  Any retroactive amendment by the Employer shall be subject to the provisions of Section 8.1.
8.3    Plan Termination.  Neither Quest Diagnostics nor any other Employer has any obligation or liability whatsoever to maintain the Plan for any length of time and may discontinue deferrals under the Plan or terminate the Plan at any time without any liability hereunder for any such discontinuance or termination.
8.4    Payment upon Termination of the Plan.  Upon termination of the Plan, no further Deferral Contributions or Employer Contributions shall be made under the Plan, but Accounts of Participants maintained under the Plan at the time of termination shall continue to be governed by the terms of the Plan until paid out in accordance with the terms of the Plan.  In its discretion, and notwithstanding any prior election made by the Participant, Quest Diagnostics may, upon Plan termination or at any time thereafter, cause each Participant to be paid in a single lump sum the value of the Participant’s Account in full satisfaction of all obligations to the Participant under the Plan.

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EXHIBIT 10.19

		
	Article 9.
	The Trust 

9.1    Establishment of Trust.  Quest Diagnostics has established the Trust between each Employer and the Trustee, in accordance with the terms and conditions as set forth in a separate agreement, under which assets are held, administered and managed, subject to the claims of an Employer’s creditors in the event of such Employer’s insolvency, until paid to Participants and their Beneficiaries as specified in the Plan.  The Trust is intended to be treated as a grantor trust under the Code, and the establishment of the Trust is not intended to cause Participants to realize current income on amounts contributed thereto or earnings on the Trust’s assets.

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EXHIBIT 10.19

		
	Article 10.
	Miscellaneous.

10.1    Limitation of Rights.  None of the establishment of the Plan or the Trust, or any amendment thereof, or the creation of any fund or Account, or the payment of any benefits, will be construed as giving to any Participant or other person any legal or equitable right against an Employer, the Administrator or the Trustee, except as provided herein, and in no event will the terms of employment or service of any Participant be modified or in any way affected hereby.
10.2    Spendthrift Provision.  A Participant’s or Beneficiary’s right to payment under the Plan is not subject in any manner to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance, attachment, judgment, seizure, alimony or separate maintenance owed by Participant or his Beneficiary or garnishment by creditors of the Participant or his Beneficiary, either voluntarily, involuntarily by operation of law or as a result of property settlement, and any attempt to cause such right to payment to be so subjected will not be recognized, except to such extent as shall be required by law.
10.3    Facility of Payment.  In the event the Administrator determines, on the basis of medical reports or other evidence satisfactory to the Administrator, that the recipient of any benefit payments under the Plan is incapable of handling his affairs by reason of minority, illness, infirmity or other incapacity, the Administrator may make such payments to a person or institution designated by a court which has jurisdiction over such recipient or a person or institution otherwise having the legal authority under State law for the care and control of such recipient.  The receipt by such person or institution of any such payments therefore, and any such payment to the extent thereof, shall discharge the liability of the Employers and the Trust for the payment of benefits hereunder to such recipient.
10.4    Discharge of Obligations.  Payment of the value of an Account under the Plan to a person believed in good faith by the Administrator to be a valid Beneficiary shall fully and completely discharge the Employers from all further obligations under this Plan with respect to the Participant.  Neither the Administrator nor Quest Diagnostics shall be obliged to search for any Participant or Beneficiary beyond the sending of a registered letter to the Participant’s or Beneficiary’s last known address.  If the Administrator notifies any Participant or Beneficiary that he is entitled to an amount under the Plan and the Participant or Beneficiary fails to claim such amount or make his location known to the Administrator within one year thereafter, then, except as otherwise required by law, if the location of one or more of the next of kin of the Participant is known to the Administrator, the Administrator may direct payment of such amount to any one or more or all of such next of kin, and in such proportions as the Administrator determines.  If the location of none of the foregoing persons can be determined, the Administrator shall have the right to direct that the amount payable shall be deemed to be forfeited and retained by the Employers, except that the dollar amount of the forfeiture, unadjusted for deemed earnings, gains or losses in the interim, may be paid in full satisfaction of the Employers’ obligations under this Plan in the sole discretion of the Administrator if a claim for payment subsequently is made by the Participant or the Beneficiary to whom it was payable.  If any benefit payable to a Participant or Beneficiary who has not been located is subject to escheat pursuant to applicable state law, neither the Administrator nor Quest Diagnostics shall be liable to any person for any payment made in accordance with such law.

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EXHIBIT 10.19

10.5    Furnishing Information.  A Participant or his Beneficiary will cooperate with the Administrator by furnishing any and all information requested by the Administrator and take such other actions as may be requested in order to facilitate the administration of the Plan and the payments of amounts hereunder.
10.6    Information between the Administrator and Trustee.  The Administrator agrees to furnish the Trustee, and the Trustee agrees to furnish the Administrator, with such information relating to the Plan and Trust as may be required by the other in order to carry out their respective duties hereunder, including without limitation information required under the Code or ERISA and any regulations issued or forms adopted thereunder.
10.7    Notices.  Any notice or other communication in connection with this Plan shall be deemed delivered in writing if addressed as provided below and if either actually delivered at said address or, in the case of a letter, three business days shall have elapsed after the same shall have been deposited in the United States mails, first-class postage prepaid and registered or certified: 
(a)    If it is sent to Quest Diagnostics, an Employer or the Administrator, it will be at the address specified by Quest Diagnostics, such Employer or the Administrator, as the case may be.
(b)    If it is sent to the Trustee, it will be sent to the address set forth in the Trust Agreement; or, in each case at such other address as the addressee shall have specified by written notice delivered in accordance with the foregoing to the addressee’s then effective notice address.
10.8    Writings and Electronic Communications.  All elections, notices and other communication with respect to the Plan, including signatures relating to such documentation, may be executed and stored on paper, electronically or in another medium.  Any documentation executed or stored electronically shall comply with the Electronic Signatures Act.
10.9    Governing Law.  The Plan will be construed, administered and enforced according to ERISA, and to the extent not preempted thereby, the laws of the State of New Jersey.
10.10    Construction.  In the event that it is determined that a Participant or group of Participants does not qualify as a select group of management or highly compensated employees as determined in accordance with Sections 201(2), 301(a)(3) and 401(a)(1) of ERISA, the Administrator shall have the right, in its sole discretion, to (i) terminate any election to defer Compensation made by each such Participant pursuant to Section 3.1 for the remainder of the Plan Year in which the Participant’s status changes, (ii) prevent the Participant from making future elections to defer Compensation and/or (iii) immediately pay the value of the Participant’s Account and terminate the Participant’s participation in the Plan.  In any event, following such determination the Plan shall constitute two plans, one covering such non-qualifying Participants and one covering the remaining Participants up to the maximum number of participants permissible for an unfunded deferred compensation plan maintained for the benefit of a select group of management or highly compensated employees under such sections of ERISA.

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EXHIBIT 10.19

		
	Article 11.
	Plan Administration.

11.1    Powers and Responsibilities of the Administrator.  The Administrator has the full power and the full responsibility to administer the Plan in all of its details, subject, however, to the applicable requirements of ERISA.  The Administrator’s powers and responsibilities include, but are not limited to, the following: 
(a)    To make and enforce such rules and regulations as it deems necessary or proper for the efficient administration of the Plan; 
(b)    To interpret the Plan, its interpretation thereof in good faith to be final, conclusive and binding on all persons claiming payment under the Plan; 
(c)    To decide all questions concerning the Plan and the eligibility of any person to participate in the Plan; 
(d)    To compute the amount of benefits which will be payable to any Participant, former Participant or Beneficiary in accordance with the provisions of the Plan; 
(e)    To determine the person or persons to whom such benefits will be paid; 
(f)    To authorize the payment of benefits; 
(g)    To comply with applicable requirements of Part 1 of Subtitle B of Title I of ERISA; and 
(h)    To appoint such agents, counsel, accountants, and consultants as may be required to assist in administering the Plan.
11.2    Claims and Review Procedures.
(a)    Claims Procedure.  If any person believes he is being denied any rights or benefits under the Plan, such person may file a claim in writing with the Administrator.  If any such claim is wholly or partially denied, the Administrator will notify such person of its decision in writing.  Such notification will contain (i) specific reasons for the denial, (ii) specific reference to pertinent Plan provisions, (iii) a description of any additional material or information necessary for such person to perfect such claim and an explanation of why such material or information is necessary, and (iv) information as to the steps to be taken if the person wishes to submit a request for review.  Such notification will be given within 90 days after the claim is received by the Administrator (or within 180 days, if special circumstances require an extension of time for processing the claim, and if written notice of such extension and circumstances is given to such person within the initial 90-day period).  If such notification is not given within such period, the claim will be considered denied as of the last day of such period and such person may request a review of his claim.  All claims under the Plan must be submitted within one (1) year after the date on which a communication from the Plan, the Employer or the Administrator (or one of their delegates or agents) contains the information contested or challenged by the claim.

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EXHIBIT 10.19

(b)    Review Procedure.  Within 60 days after the date on which a person receives written notice of a denied claim (or, if applicable, within 60 days after the date on which such denial is considered to have occurred), such person (or his duly authorized representative) may (i) file a written request with the Appeals Committee for a review of his denied claim and of pertinent documents and (ii) submit issues and comments to the Appeals Committee.  The Appeals Committee will notify such person of its decision in writing.  Such notification will be written in a manner calculated to be understood by such person and will contain specific reasons for the decision as well as specific references to pertinent Plan provisions.  The decision on review will be made within 60 days after the request for review is received by the Appeals Committee (or within 120 days, if special circumstances require an extension of time for processing the request, such as an election by the Appeals Committee to hold a hearing, and if written notice of such extension and circumstances is given to such person within the initial 60-day period).  If the decision on review is not made within such period, the claim will be considered denied.
(c)    LIMITATIONS ON ACTIONS.  NO ACTION (WHETHER AT LAW, IN EQUITY OR OTHERWISE) SHALL BE BROUGHT BY OR ON BEHALF OF ANY PARTICIPANT OR BENEFICIARY FOR OR WITH RESPECT TO PAYMENT DUE UNDER THIS PLAN UNLESS THE PERSON BRINGING SUCH ACTION HAS TIMELY EXHAUSTED THE PLAN’S CLAIM REVIEW PROCEDURE.  ANY ACTION (WHETHER AT LAW, IN EQUITY OR OTHERWISE) MUST BE COMMENCED WITHIN ONE YEAR.  THIS ONE-YEAR PERIOD SHALL BE COMPUTED FROM THE EARLIER OF (I) THE DATE A FINAL DETERMINATION DENYING SUCH BENEFIT, IN WHOLE OR IN PART, IS ISSUED UNDER THE PLAN’S CLAIM REVIEW PROCEDURE AND (II) THE DATE SUCH INDIVIDUAL’S CAUSE OF ACTION FIRST ACCRUED (AS DETERMINED UNDER THE LAWS OF THE STATE OF NEW JERSEY WITHOUT REGARD TO PRINCIPLES OF CHOICE OF LAWS).
(d)    All action(s) or litigation arising out of or relating to this Plan shall be commenced and prosecuted in the federal district court whose jurisdiction includes Morris County, New Jersey.  Each Employee, claimant or other person consents and submits, as a condition to continued participation in the Plan, to the personal jurisdiction over him of the federal district court whose jurisdiction includes Morris County, New Jersey in respect of any such action(s) or litigation.  Each Employee, claimant or other person also consents to service of process upon him with respect to any such action(s) or litigation by registered mail, return receipt requested, and by any other means permitted by rule or law.

11.3    Plan’s Administrative Costs.
The Employers shall pay all reasonable costs and expenses (including legal, accounting, and employee communication fees) incurred by the Administrator and the Trustee in administering the Plan and Trust.

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EXHIBIT 10.19

IN WITNESS WHEREOF, Quest Diagnostics has caused this Plan document to be executed by its duly authorized officer, effective as of  11/27           2012.   
	
		
	QUEST DIAGNOSTICS INCORPORATED

	

	By:
	/s/ Jeffrey S. Shuman         

	

	Jeffrey S. Shuman
Senior Vice President, Human Resources
[date]  11/27/2012

  
	
		
	

	By:
	/s/ Stephen H. Rusckowski      

	

	Stephen H. Rusckowski
President and Chief Executive Officer
[date]  11/27/2012

-18-DGX 12.31.2012 EX 10.25

EXHIBIT 10.25

THE PROFIT SHARING PLAN OF 
QUEST DIAGNOSTICS INCORPORATED
(Amendment and Restatement, 
Effective as of January 1, 2012)

14777384v.6

EXHIBIT 10.25
Table of Contents

	
						
	 
	 
	 
	Page
	

	ARTICLE I
	

	 
	DEFINITIONS
	3
	

	 
	 
	 
	 

	ARTICLE II
	

	 
	ELIGIBILITY AND PARTICIPATION
	17
	

	2.1
	

	 
	Eligibility
	17
	

	2.2
	

	 
	Participation
	17
	

	2.3
	

	 
	Beneficiary Designation
	18
	

	 
	 
	 
	 

	ARTICLE III
	

	 
	CONTRIBUTIONS
	20
	

	3.1
	

	 
	Employee Pre-Tax Contributions
	20
	

	3.2
	

	 
	Employer Matching Contributions
	24
	

	3.3
	

	 
	Employer Discretionary Contributions
	25
	

	3.4
	

	 
	Rollover Contributions
	25
	

	3.5
	

	 
	Maximum Deductible Contribution
	27
	

	3.6
	

	 
	Actual Deferral Percentage Test Safe Harbor
	27
	

	3.7
	

	 
	Payment of Contributions to Trustee
	28
	

	3.8
	

	 
	No Employee After-Tax Contributions
	28
	

	3.9
	

	 
	Actual Contribution Percentage Test Safe Harbor
	28
	

	3.10
	

	 
	USERRA
	28
	

	3.11
	

	 
	Corrective Contributions
	30
	

	 
	 
	 
	 

	ARTICLE IV
	

	 
	ALLOCATIONS TO ACCOUNTS
	32
	

	4.1
	

	 
	Accounts
	32
	

	4.2
	

	 
	Valuation of Accounts
	32
	

	4.3
	

	 
	Notification of Account Balance
	32
	

	4.4
	

	 
	Allocation of Employee Pre-Tax Contributions
	33
	

	4.5
	

	 
	Allocation of Employer Matching Contributions
	33
	

	4.6
	

	 
	Allocation of Employer Discretionary Contributions
	33
	

	4.7
	

	 
	Maximum Additions
	33
	

	4.8
	

	 
	Plan Aggregation and Disaggregation under Code Section 415
	37
	

	4.1
	

	 
	Accounts
	32
	

	4.2
	

	 
	Valuation of Accounts
	32
	

	 
	 
	 
	 

	ARTICLE V
	

	 
	VESTING AND DISTRIBUTIONS
	39
	

	5.1
	

	 
	Normal Retirement
	39
	

	5.2
	

	 
	Disability
	39
	

	5.3
	

	 
	Death Before Severance from Employment
	39
	

	5.4
	

	 
	Death After Severance from Employment
	39
	

	5.5
	

	 
	Severance from Employment
	40
	

	5.6
	

	 
	Method of Payment
	42
	

	5.7
	

	 
	Cash-Outs; Consent
	43
	

- i -
14777384v.6

EXHIBIT 10.25
Table of Contents (continued)

	
						
	 
	 
	 
	Page
	

	5.8
	

	 
	Payment of Benefits
	44
	

	5.9
	

	 
	Direct Rollovers
	49
	

	5.10
	

	 
	Payment to Alternate Payee under QDRO
	52
	

	5.11
	

	 
	Voluntary Direct Transfers
	53
	

	5.12
	

	 
	Restrictions on Certain Distributions
	53
	

	 
	 
	 
	 

	ARTICLE VI
	

	 
	LOANS AND WITHDRAWALS
	55
	

	6.1
	

	 
	Loans to Participants
	55
	

	6.2
	

	 
	Hardship Withdrawals
	58
	

	6.3
	

	 
	Non-Hardship Withdrawals
	60
	

	6.4
	

	 
	Withdrawal of Dividends on Quest Common Stock
	61
	

	6.5
	

	 
	Vesting of Certain Dividends on Quest Common Stock
	63
	

	6.6
	

	 
	Qualified Reservist Distribution
	63
	

	 
	 
	 
	 

	ARTICLE VII
	

	 
	TRUST FUND
	64
	

	7.1
	

	 
	Contributions
	64
	

	7.2
	

	 
	Trustee
	64
	

	7.3
	

	 
	Investment Options
	65
	

	7.4
	

	 
	Investment Direction by Participants
	65
	

	7.5
	

	 
	Transactional and other Fees and Expenses of Plan and Trust
	66
	

	 
	 
	 
	 

	ARTICLE VIII
	

	 
	PLAN ADMINISTRATION
	68
	

	8.1
	

	 
	General
	68
	

	8.2
	

	 
	Quest Diagnostics
	68
	

	8.3
	

	 
	Committee; Delegation
	68
	

	8.4
	

	 
	Organization and Operation of the Committee
	70
	

	8.5
	

	 
	Employers: Indemnification and Information
	72
	

	8.6
	

	 
	Claims for Benefits — Initial Review
	72
	

	8.7
	

	 
	Denial of Benefits — Appeal Procedure
	73
	

	8.8
	

	 
	Other Provisions relating to Claims for Benefits
	74
	

	8.9
	

	 
	Exhaustion of Administrative Remedies; Limitations Period; Venue
	75
	

	8.10
	

	 
	Records
	75
	

	 
	 
	 
	 

	ARTICLE IX
	

	 
	AMENDMENT AND TERMINATION OF THE PLAN;  MERGERS AND TRANSFERS
	77
	

	9.1
	

	 
	Amendment of the Plan
	77
	

	9.2
	

	 
	Termination of the Plan
	77
	

	9.3
	

	 
	Merged Plans; Transferred Funds
	78
	

	 
	 
	 
	 

- ii -
14777384v.6

EXHIBIT 10.25
Table of Contents (continued)

	
						
	 
	 
	 
	Page
	

	ARTICLE X
	

	 
	PROVISIONS RELATIVE TO EMPLOYERS INCLUDED IN PLAN
	81
	

	10.1
	

	 
	Participation in the Plan by an Affiliate
	81
	

	10.2
	

	 
	Participation in the Plan by other Organizations
	83
	

	10.3
	

	 
	Service and Termination of Service
	83
	

	 
	 
	 
	 

	ARTICLE XI
	

	 
	TOP HEAVY PROVISIONS
	84
	

	11.1
	

	 
	Determination of Top Heavy Status
	84
	

	11.2
	

	 
	Minimum Allocations
	84
	

	11.3
	

	 
	Impact on Minimum Benefits where Employer Maintains Both Defined Benefit and Defined Contribution Plans
	85
	

	11.4
	

	 
	Impact on Vesting
	85
	

	11.5
	

	 
	Requirements Not Applicable
	86
	

	11.6
	

	 
	Top-Heavy Definitions
	86
	

	 
	 
	 
	 

	ARTICLE XII
	 
	MISCELLANEOUS
	88
	

	12.1
	

	 
	Governing Law
	88
	

	12.2
	

	 
	Construction
	88
	

	12.3
	

	 
	Participant’s Rights; Acquittance
	88
	

	12.4
	

	 
	Spendthrift Clause
	89
	

	12.5
	

	 
	Mistake of Fact
	89
	

	12.6
	

	 
	Recovery of Overpayment
	89
	

	12.7
	

	 
	Plan Corrections
	90
	

	12.8
	

	 
	Consent to Plan Terms
	90
	

	12.9
	

	 
	Facility of Payment; Uncashed Checks; Recipients Who Cannot Be Located
	90
	

	12.10
	

	 
	Income Tax Withholding
	91
	

	12.11
	

	 
	Writings and Electronic Communications
	91
	

	 
	 
	 
	 

	ARTICLE XIII
	 
	ADOPTION OF THE PLAN
	92
	

	 
	 
	 
	 

	APPENDIX A
	 
	PARTICIPATING EMPLOYERS
	A-1
	

	 
	 
	 
	 

	APPENDIX B
	 
	PRIOR PLAN AND MERGED PLANS: SPECIAL RULES AND PROTECTED BENEFITS
	B-1
	

	 
	 
	 
	 

	APPENDIX C
	

	 
	SUB-ACCOUNTS TRANSFERRED FROM THE 401(k) PLAN OF QUEST DIAGNOSTICS INCORPORATED
	C-1
	

- iii -
14777384v.6

EXHIBIT 10.25
Table of Contents (continued)

	
						
	 
	 
	 
	Page
	

	APPENDIX D
	 
	SPECIAL DISTRIBUTION PROVISIONS
	D-1
	

	APPENDIX E
	 
	CELERA PLAN ROTH CONTRIBUTION SUB-ACCOUNTS
	E-1
	

	 
	 
	 
	 

	APPENDIX F
	 
	PROVISIONS APPLICABLE TO PUERTO RICO PARTICIPANTS
	F-1
	

- iv -
14777384v.6

EXHIBIT 10.25

INTRODUCTION
Effective October 1, 1973, MetPath Inc. established the Profit Sharing Plan of MetPath Inc. for the benefit of its eligible employees.  That plan was subsequently amended and restated, renamed and underwent mergers with a number of other plans.
Effective December 31, 1996, that plan was again amended and restated in its entirety to reflect the spinoff of Quest Diagnostics Incorporated from Corning Incorporated and the adoption of an employee stock ownership plan and was renamed the Profit Sharing Plan of Quest Diagnostics Incorporated (the “Plan”).  The Plan has been amended and/or restated from time to time thereafter, including in an amendment and restatement effective as of January 1, 2008.  The Plan, as thereby amended and restated, was further amended effective as specified in the particular amendments or as required by law.
The Plan is hereby further amended and restated generally effective as of January 1, 2012, except as otherwise specified herein or as required by law, in order to make certain technical or clarifying amendments deemed necessary or appropriate to facilitate the administration, management or interpretation of the Plan and to conform the Plan thereto.
It is intended that the Plan continue to be tax-qualified under Code Sections 401(a) and 401(k) as a profit sharing plan under Code Section 401(a)(27) that, effective June 1, 2007, includes an employee stock ownership plan under ERISA Section 407(d)(6) and Code Sections 409 and 4975(e)(7), which shall include the share distribution requirements of Code Section 409(h) and the participant pass-through voting rights required under Code Section 409(e), and a cash or deferred arrangement under Code Section 401(k).  It also is intended that the Plan be an eligible individual account plan under ERISA Section 407(d)(3) and meet the requirements of ERISA Section 404(c), and that it be construed, maintained and administered as an “ERISA Section 404(c) plan” within the meaning of Department of Labor Regulation §2550.404c–1(b)(1).
Certain bona fide residents of Puerto Rico who were Employees of Quest Diagnostics of Puerto Rico, Inc. (the “Puerto Rico Participants”) for a short period participated in the Plan.  However, effective August 15, 1999, the Puerto Rico Participants were no longer considered to be Eligible Employees, thus becoming ineligible to participate in the Plan for purposes of any contributions, including but not limited to Employee Pre-Tax Contributions, Employer Matching 

14777384v.6

EXHIBIT 10.25

Contributions and Discretionary Contributions.  The Puerto Rico Participants, however, may have accrued vested benefits in their Accounts under the Plan.  On or before December 31, 2010, the entire value of the Accounts of the Puerto Rico Participants was transferred, as permitted by the provisions of IRS Revenue Ruling 2008-40, to the Quest Diagnostics Puerto Rico Defined Contribution Plan, which is exempt from taxation under Section 1165(a) of the Puerto Rico Internal Revenue Code of 1994, as amended, and pursuant to ERISA Section 1022(i)(1), deemed qualified under U.S. Code Section 501(a).
Except as expressly provided herein, the benefits and rights of a Participant who severs from employment (or his Beneficiary) will be determined in accordance with the terms of the Plan as in effect as of the date of such severance from employment.  Any provision of the Plan that restricted or limited withdrawals, loans or other distributions, or otherwise required separate accounting with respect to any portion of a Participant’s Account immediately prior to January 1, 2012, and the elimination of which would adversely affect the qualification of the Plan under Code Sections 401(a) and 401(k), shall continue in effect with respect to such portion of the Participant’s Account.  No provision of this amended and restated Plan shall be construed to eliminate or reduce any early retirement benefit or subsidy that continues after retirement or optional form of benefit that existed under the Plan before this amendment and restatement except to the extent permitted under Regulations §§1.401(a)-4 and 1.411(d)-4.

- 2 -
14777384v.6

EXHIBIT 10.25

ARTICLE I 
DEFINITIONS
As used herein, unless otherwise required by the context, the following words and phrases shall have the meanings indicated:
Account – The aggregate, as applicable, of:  (1) a Participant’s Employee Regular Pre-Tax Sub-Account, Employee Pre-Tax Catch-Up Sub-Account, Employer Matching Sub-Account and Rollover Sub-Account; (2) such other recordkeeping sub-accounts as the Participant may have pursuant to Appendix B or Appendix C; and (3) such other recordkeeping sub-accounts as may be authorized by the Plan Administrator.
Affiliate – A corporation or unincorporated trade or business while it is:  (1) a member of a controlled group of corporations (as defined in Code Section 414(b)) of which an Employer is a member; (2) a trade or business under common control (as defined in Code Section 414(c)) of an Employer; (3) a member of an affiliated service group (as defined in Code Section 414(m)) which includes an Employer; or (4) required to be aggregated with an Employer pursuant to Code Section 414(o); provided that no such corporation or unincorporated trade or business shall be considered an Affiliate at any time prior or subsequent to the time during which it meets the above definition and, provided further, that the status of being employed by an Affiliate shall pertain to an individual only during the time when his employer is an Affiliate and not to any time prior or subsequent to its Affiliate status.
Allocable Income/Loss – The income or loss allocable for the Plan Year to contributions that must be returned to a Participant or forfeited under any of the limitations of Articles III or IV.  Income or loss may be determined by any reasonable method for computing income or loss if the method is used consistently for all Participants and all corrective distributions under the Plan for the Plan Year, and is the same method used by the Plan for allocating income or loss to Participants’ Accounts.
Appeals Committee – The Appeals Committee, as provided for in Section 8.3(d).
Appropriate Request – A request by a Participant in the form and manner provided by the Plan Administrator or by the Plan’s recordkeeper that is appropriate for the intended purpose.  If 

- 3 -
14777384v.6

EXHIBIT 10.25

the Plan Administrator and the Plan’s recordkeeper so agree, an Appropriate Request may be executed over the telephone or Internet.  To constitute an Appropriate Request, such request must be completed correctly and, if required to be in writing, duly executed and delivered to the Plan Administrator or the Plan’s recordkeeper, as the case may be.
Beneficiary – Any person designated by a Participant under Section 2.3 to receive such benefits as may become payable hereunder after the death of such Participant.
Board – The Board of Directors of Quest Diagnostics or a committee of such board, authorized by, and acting on behalf of, such board.
Catch-Up Pre-Tax Contributions – Contributions made to the Plan by Employers under Section 3.1(b) pursuant to salary reduction agreements made by Eligible Employees.
Code – The Internal Revenue Code of 1986, as amended from time to time.  Reference to a specific provision of the Code shall include such provision, any valid Regulation promulgated thereunder and any comparable provision of future law that amends, supplements or supersedes such provision.
Committee – The Benefits Administration Committee, as provided for in Section 8.3.
Contributions – Payments as provided herein by the Employer to the Trustee for the purpose of providing the benefits under this Plan.
Deferral Compensation – An Employee’s wages as defined in Code Section 3401(a) and all other payments of compensation to an Employee by an Employer (in the course of the Employer’s trade or business) for which the Employer is required to furnish the Employee a written statement under Code Sections 6041(d), 6051(a)(3) and 6052, excluding reimbursements or other expense allowances, cash and non-cash fringe benefits (e.g., employee discounts), moving expenses, deferred compensation, and welfare benefits, but including Employee Pre-Tax Contributions to this Plan, pre-tax employee contributions to a Code Section 125 plan and pre-tax employee contributions to purchase qualified transportation fringe benefits pursuant to Code Section 132(f)(4).

- 4 -
14777384v.6

EXHIBIT 10.25

For these purposes:
(a)    Amounts under Code Section 125 include any amounts not available to an Employee in cash in lieu of group health coverage because the Employee is unable to certify that he has other health coverage.
(b)    An amount will be treated as an amount under Code Section 125 only if the Employer does not request or collect information regarding the Employee’s other health coverage as part of the enrollment process for the health plan.
Notwithstanding the preceding paragraphs, (1) Deferral Compensation shall include amounts (e.g., bonuses, commissions or unused vacation) paid by the Employer following the Employee’s severance from employment with the Employer, but only if such amounts are paid no later than 30 days after the Employee’s severance from employment; (2) except as specifically provided in (1) above, Deferral Compensation shall not include severance pay or other form of post-termination compensation; and (3) Deferral Compensation shall not include compensation generated from any of the following:  the disqualifying disposition of a statutory stock option; the disposition of shares of stock under an employee stock purchase plan if the option price was below the fair market value of the stock at the time the option was granted; the value of a nonstatutory stock option at the time of grant or exercise; the vesting of restricted stock; the payment of dividends or dividend equivalents on restricted stock; or similar elements of equity-based compensation.
Deferral Compensation in excess of $200,000 (or such other amount as may be applicable under Code Section 401(a)(17)(B)) for any Plan Year shall not be taken into account, provided that the dollar increase, if any, in effect on January 1 of any calendar year is effective for Plan Years beginning in such calendar year.
Eligibility Service –
(a)    As of any date, the aggregate of an Employee’s periods of eligibility service (as defined in the next sentence), including any eligibility service credited under subsection (b).  For purposes of this subsection (a), a period of eligibility service is each period of time required to be recognized under this Plan commencing on the Employee’s Employment Commencement Date, or any subsequent Reemployment Commencement Date, and ending on a Severance from Service Date.

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14777384v.6

EXHIBIT 10.25

(b)    Eligibility service also shall include the following:
(1)    Periods of employment with an Affiliate (while such organization is an Affiliate) which would have constituted eligibility service under the Plan had the Employee been employed by an Employer;
(2)    Periods of employment with an Employer other than as an Employee, including employment as a leased employee within the meaning of Code Section 414(n), which would have constituted eligibility service under the Plan had the individual been employed as an Employee; provided that employment as a leased employee within the meaning of Code Section 414(n) shall not be taken into account if more than five (5) calendar days elapses between the last day of employment as a leased employee and the individual’s Employment Commencement Date;
(3)    If Quest Diagnostics so permits pursuant to Section 9.1, periods of employment with an Employer prior to the Employer’s becoming an Affiliate which would have constituted eligibility service under the Plan had the service been rendered after the Employer’s becoming an Affiliate, under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent permitted by applicable law;
(4)    If Quest Diagnostics so permits pursuant to Section 9.1, with respect to any Employee of an Employer that is a joint venture, periods of contiguous employment with the joint venture partner of Quest Diagnostics (or an Affiliate thereof) prior to the establishment of the joint venture which would have constituted eligibility service under the Plan had the service been rendered after the establishment of the joint venture, under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent permitted by applicable law;
(5)    If Quest Diagnostics so permits pursuant to Section 9.1, with respect to an Employee who directly transferred employment to the Employer from a joint venture with Quest Diagnostics (or an Affiliate thereof) that is not an Employer:  (A) periods of contiguous employment with the joint venture which would have constituted eligibility service under the Plan had the joint venture been an Employer, and (B) periods of contiguous employment with the joint venture partner of Quest Diagnostics (or Affiliate) prior to the establishment 

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of the joint venture which would have constituted eligibility service under the Plan had the partner been an Employer, both periods of employment credited under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent permitted by applicable law;
(6)    Periods of Qualified Military Service required under Code Section 414(u); and
(7)    Periods of employment with an entity that adopts this Plan and that is not an Affiliate of Quest Diagnostics, but solely with respect to periods after the date of such adoption and only while the Plan is maintained by such entity.
(c)    In no event shall Eligibility Service be credited under more than one paragraph of subsection (b).
Eligible Employee – An Employee of an Employer eligible for participation under Section 2.1.  Notwithstanding the preceding, the following Employees shall not be considered Eligible Employees for purposes of this Plan:
(a)    an Employee who is covered by a collective bargaining agreement where such agreement provides for a different retirement plan, or where no provision is made for any retirement plan, after good faith bargaining between the Employer and Employee representatives;
(b)    an Employee who is excluded from participation hereunder by the terms of his Employer’s adoption of this Plan;
(c)    an Employee who is a nonresident alien and who receives no earned income (within the meaning of Code Section 911(d)(2)) from the Employer which constitutes income from sources within the United States (within the meaning of Code Section 861(a)(3)); or
(d)    an Employee performing services only in Puerto Rico.
Employee – An individual who is carried on the payroll of an Employer or an Affiliate as a common-law employee.  Notwithstanding the preceding, the following individuals shall not be considered Employees for purposes of this Plan:

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(a)    an individual who is classified as an “independent contractor” or “consultant” by his Employer, regardless of such individual’s reclassification for any reason by the Internal Revenue Service, other governmental agency or any other entity;
(b)    an individual who is classified as a leased employee of an Employer within the meaning of Code Section 414(n) (other than a leased employee of a joint venture Employer who is leased from another Employer), regardless of such individual’s reclassification for any reason by the Internal Revenue Service, other governmental agency or any other entity; or
(c)    an individual who receives compensation solely for service as a member of the Board.
For these purposes, a “leased employee” or an “independent contractor” or “consultant” includes any individual treated by an Employer as a leased employee (without regard to the individual’s length of service or hours of service for purposes of determining such status under Code Section 414(n)) or as an independent contractor or consultant, even if the individual’s status is retroactively or prospectively changed or if the individual is deemed to be a common law employee for any other purpose.
Employee Pre-Tax Catch-Up Sub-Account – The portion of a Participant’s Account attributable to Catch-Up Pre-Tax Contributions allocated to such Participant under Section 4.4.  The Employee Pre-Tax Catch-Up Sub-Account of a Participant who was a participant in a Merged Plan that contained a qualified cash or deferred arrangement also shall hold any amount transferred to this Plan from such Merged Plan representing the balance of such Participant’s pre-tax catch-up account under such Merged Plan.
Employee Pre-Tax Contributions – Regular Pre-Tax Contributions and Catch-Up Pre-Tax Contributions made to the Plan by the Employer under Section 3.1 pursuant to salary reduction agreements entered into between the Employer and the Participant.
Employee Regular Pre-Tax Sub-Account – The portion of a Participant’s Account attributable to Regular Pre-Tax Contributions allocated to such Participant under Section 4.4.  The Employee Regular Pre-Tax Sub-Account of a Participant who was a participant in a Merged Plan that contained a qualified cash or deferred arrangement also shall hold any amount transferred to 

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this Plan from such Merged Plan representing the balance of such Participant’s pre-tax account under such Merged Plan.
Employer – Collectively or individually as the context may indicate, Quest Diagnostics and any other entity (or successor thereto) that:  (1) has been authorized to adopt the Plan pursuant to Section 9.1; (2) by action of its own board of directors (or duly authorized officer) as specified in Sections 10.1 and 10.2 has adopted the Plan; and (3) has not terminated its participation in the Plan.  The Employers are listed in Appendix A, as updated from time to time.
Employer Discretionary Contributions – Contributions made to the Plan by the Employer under Section 3.3.
Employer Matching Contributions – Contributions made to the Plan by the Employer under Section 3.2.
Employer Matching Sub-Account – The portion of a Participant’s Account attributable to Employer Matching Contributions made after 2008 and allocated to such Participant under Section 4.5.
Employment Commencement Date – The earlier of:
(a)    the later of:
(1)    the date when an Employee first performs an Hour of Service for an Employer; or
(2)    the date when the Employer of the Employee became an Affiliate; or
(b)    an adjusted date in the case of an Employee being credited with prior service.  
However, in the case of a reemployed Employee (and subject to Section 2.2), his Employment Commencement Date shall be his Reemployment Commencement Date.
ERISA – The Employee Retirement Income Security Act of 1974, as amended from time to time.  Reference to a specific provision of ERISA shall include such provision, any valid Regulation promulgated thereunder and any comparable provision of future law that amends, supplements or supersedes such provision.

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Highly Compensated Employee – For any Plan Year, any active or former Employee who is a “highly compensated active Employee” or a “highly compensated former Employee” as determined below:
(a)    A “highly compensated active Employee” is an Employee who:
(3)    was a 5% owner (within the meaning of Code Section 416(i)) of an Employer or an Affiliate at any time during the preceding or current Plan Year; or
(4)    received Section 415 Compensation from an Employer or an Affiliate in excess of $115,000 (as adjusted at the same time and in the same manner as under Code Section 415(d), except that the base period is the calendar quarter ending September 30, 1996) for the preceding Plan Year and was a member of the top-paid 20% of Employees ranked on the basis of Section 415 Compensation for the preceding Plan Year.
(b)    A “highly compensated former Employee” is an Employee who separated from service (or was deemed to have separated from service) prior to the current Plan Year, performs no service for an Employer or an Affiliate during the current Plan Year and was a “highly compensated active Employee” for either the separation year or for any Plan Year ending on or after his 55th birthday.
Hour of Service – An hour for which an Employee is paid or entitled to payment for the performance of duties for an Employer or for an Affiliate.
Investment Committee – The Investment Committee, as provided for in Section 8.3(e).
Investment Option – An investment alternative under Section 7.3 available to be selected by the Participant, in accordance with Section 7.4, for investment of his Account.  The Quest Diagnostics Incorporated Stock Fund shall at all times be an Investment Option under this Plan.
Merged Plan – A plan that merged into this Plan or the Prior Plan, as described in Section 9.3 or in Appendix B as it may be amended or supplemented from time to time.
Normal Retirement Age – Age 65, except as provided in Appendix B with respect to Celera Plan sub-accounts.  
Participant – An Eligible Employee who has commenced, but not terminated, participation in the Plan pursuant to the provisions of Article II, or a former Eligible Employee who has a nonzero 

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Account balance under the Plan.  Pursuant to Section 5.10, an alternate payee under a QDRO for whom an Account has been established is considered a Participant for purposes of specifying Investment Options for his Account, making an election under Section 6.4, designating a Beneficiary for his Account and charging expenses to his Account.  Similarly, a Beneficiary of a deceased Participant for whom an Account has been established, or an Eligible Employee who has not otherwise commenced participation in the Plan but has made a rollover contribution, is considered a Participant for purposes of specifying Investment Options for his Account, making an election under Section 6.4, designating a Beneficiary for his Account and charging expenses to his Account.
Period of Severance – The period of time commencing on an Employee’s Severance from Service Date and ending on his Reemployment Commencement Date.
Plan – The Profit Sharing Plan of Quest Diagnostics Incorporated, contained herein or as hereafter amended.
Plan Administrator – Quest Diagnostics, with such duties and responsibilities as specified in Section 8.2.
Plan Year – January 1 – December 31.
Prior Plan – The Plan as in effect through December 31, 2011.
QDRO – A judgment, decree or order that:
(a)    relates to the provision of child support, alimony or marital property rights to a spouse, former spouse, child or other dependent of a Participant (an “alternate payee”);
(b)    creates or recognizes the existence of an alternate payee’s right to, or assigns to an alternate payee the right to, receive all or a portion of the Participant’s benefits;
(c)    is made pursuant to a state domestic relations law (including community property law); and
(d)    otherwise meets the requirements of Code Section 414(p).
QJSA Portion – That portion of a Participant’s Account, as described in Appendix D, that is subject to mandatory joint and survivor annuity distributions and related requirements of applicable law.  

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Qualified Military Service – Qualified military service as defined in Code Section 414(u)(5) and Chapter 43 of Title 38 of the United States Code.
Quest Diagnostics – Quest Diagnostics Incorporated, a Delaware corporation, or any successor thereto.
Quest Diagnostics Common Stock – Any class of Quest Diagnostics’ common stock or any class of Quest Diagnostics’ noncallable preferred stock that is convertible into common stock, that is readily tradable on an established securities market (such terms as defined under Code Section 409(l)), that meet the requirements of ERISA Section 407(d)(5) and held under the Quest Diagnostics Incorporated Stock Fund, including securities that met these requirements when first held under the Quest Diagnostics Incorporated Stock Fund.
Quest Diagnostics Incorporated Stock Fund – The Investment Option described in Section 7.3(b).  The Plan is an eligible individual account plan under ERISA Section 407(d)(3), and the portion of a Participant’s Account under the Plan that is invested in the Quest Diagnostics Incorporated Stock Fund is intended to qualify as a stock bonus plan under Code Section 401(a) and an employee stock ownership plan under ERISA Section 407(d)(6) and Code Sections 409 and 4975(e)(7) including the share distribution requirements of Code Section 409(h) and the participant pass-through voting requirements of Code Section 409(e).
Reemployment Commencement Date – The first date when an Employee again performs an Hour of Service for an Employer following a Period of Severance.
Regular Pre-Tax Contributions – Contributions made to the Plan by Employers under Section 3.1(a) pursuant to salary reduction agreements made by Eligible Employees.
Regulation – Any regulation, ruling or other interpretation, validly promulgated by the U.S. Department of Treasury, U.S. Department of Labor, or other federal agency as the case may be, and in effect at the time in question.  Reference to a Regulation or section thereof includes that Regulation or section and any comparable Regulation or section that amends, supplements or supersedes that Regulation or section.
Rollover Sub-Account – The portion of a Participant’s Account attributable to his rollover contributions made after 2011 under Section 3.4.  

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Section 415 Compensation – Compensation within the meaning of Code Section 415(c)(3), including “post-severance compensation.”  “Post-severance compensation” means the following amount(s) that would have been Section 415 Compensation if the amount(s) were paid prior to the Employee’s severance from employment (as defined in Regulation §1.415(a)-1(f)(5)) with the Employer, and that are paid to him by the later of 21⁄2 months after his severance from employment with the Employer or the end of the Limitation Year that includes his Severance from Service Date with the Employer, if the amount is:
(a)    regular compensation for services during his regular working hours or compensation for services outside his regular working hours (such as overtime or shift differential), commissions, bonuses or other similar payments and the payment would have been made to him prior to a severance from employment if he had continued in employment with the Employer;
(b)    for unused accrued bona fide sick, vacation or other leave, but only if he would have been able to use the leave if his employment had continued;
(c)    received by him pursuant to a nonqualified unfunded deferred compensation plan, but only if the payment would have been made to him at the same time if he had continued in employment with the Employer and only to the extent that the payment is includible in his gross income; or
(d)    made by the Employer to a former Employee who does not currently perform services for the Employer by reason of Qualified Military Service to the extent those payments do not exceed the amounts he would have received if he had continued to perform services for the Employer rather than entering Qualified Military Service.
Severance from Service Date –
(a)    Except as provided in subsection (b), the earlier of (1) or (2):
(1)    The date on which the Employee quits, retires, is discharged or dies provided that he does not earn an Hour of Service for an Employer or an Affiliate within 12 months after such date; or
(2)    The first anniversary of the first date of a period in which an Employee remains absent from service (with or without pay) with an Employer or an Affiliate for any reason (such as vacation, holiday, sickness, disability or leave of absence) other than quit, 

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retirement, discharge or death; provided that if he is absent from service by reason of (A) a leave of absence granted by his Employer or an Affiliate (including but not limited to leave pursuant to the Family and Medical Leave Act of 1993 or certain circumstances related to the Qualified Military Service of a family member) and he returns to active employment with the Employer or an Affiliate at the end of such leave of absence, or (B) Qualified Military Service and he returns to active service within the period that his re-employment rights are protected by federal law, then he shall not be deemed to have had a Severance from Service Date by reason of such absence.
(b)    (1)    With respect to an Employee who is absent from work beyond the first anniversary of the first day of absence by reason of a “parenthood purpose” described in paragraph (2), his Severance from Service Date shall be the second anniversary of the first day of such absence.
(2)    The following are deemed “parenthood purposes”:
(A)    the pregnancy of the Employee;
(B)    the birth of a child of the Employee;
(C)    the placement of a child with the Employee in connection with the Employee’s adoption of such child; or
(D)    caring for such child for a period beginning immediately following such birth or placement.
(3)    The period between the first and second anniversaries of the first day of absence from work by reason of a “parenthood purpose” is neither a period credited as a Year of Vesting Service nor a Period of Severance.
(4)    The Plan Administrator may request that the Employee furnish information to establish that the absence is for a parenthood purpose and the number of days for which there was such an absence.  If the Employee does not submit such information in a timely manner, this subsection (b) shall not apply to him.
Total and Permanent Disability – A Participant shall be considered totally and permanently disabled when he has incurred a physical or mental condition which prevents him from performing his duties for an Employer or an Affiliate and which is expected to result in death or to be of long and continued duration and for which he is entitled to receive disability benefits payments under 

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the federal Social Security Act or his Employer’s long-term disability plan (if any).  The determination under the federal Social Security Act or his Employer’s long-term disability plan (if any) is conclusive for purposes of this Plan.
Trust Agreement – The agreement entered into between Quest Diagnostics and the Trustee under Article VII.
Trust Fund – All funds received by the Trustee together with all income, profits and increments thereon, and less any expenses or payments made therefrom.
Trustee – Such individual, individuals, financial institution or a combination of them as designated in the Trust Agreement to hold in trust any assets of the Plan for the purpose of providing benefits under the Plan, and including any successor trustee to the Trustee initially designated thereunder.
Valuation Date – Each business day.
Vested Quest Diagnostics Common Stock Dividend Sub-Account – Under Section 6.5(a), the portion of a Participant’s Account comprised of cash dividends received under the Quest Diagnostics Incorporated Stock Fund associated with the portion of the Participant’s Account, other than the Money Purchase Pension Plan Sub-Account or other part of the QJSA Portion (as described in Appendix D), that is not fully vested.
Years of Vesting Service
(a)    The aggregate of an Employee’s periods of vesting service (as defined in the next sentence), including any vesting service credited under subsection (b) and excluding any vesting service disregarded under subsection (c).  For purposes of this subsection (a), a period of vesting service is each period of time required to be recognized under this Plan commencing on the Employee’s Employment Commencement Date, or any subsequent Reemployment Commencement Date, and ending on a Severance from Service Date.
(b)    Vesting service also shall include the following:
(1)    Periods of service with an Affiliate (while such organization is an Affiliate) which would have constituted vesting service under the Plan had the Participant been employed by an Employer;

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(2)    Periods of service with an Employer as a leased employee within the meaning of Code Section 414(n) (but without regard to the requirements of Section 414(n)(2)(B)) which would have constituted vesting service under the Plan had the Participant been employed as an Employee; provided that such service shall not be taken into account if more than five (5) calendar days elapses between the individual’s last day of service as such a leased employee and his Employment Commencement Date;
(3)    If Quest Diagnostics so permits pursuant to Section 9.1, periods of service with an Employer prior to the Employer’s becoming an Affiliate which would have constituted vesting service under the Plan had the service been rendered after the Employer became an Affiliate, under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent permitted by applicable law;
(4)    With respect to any individual employed by an Employer that is a joint venture, periods of contiguous employment with the joint venture partner of Quest Diagnostics (or an Affiliate thereof) prior to the establishment of the joint venture which would have constituted vesting service under the Plan had the service been rendered after the establishment of the joint venture, under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent required by applicable law;
(5)    With respect to an Employee who directly transferred employment to the Employer from a joint venture with Quest Diagnostics (or an Affiliate thereof) that is not an Employer:  (A) periods of contiguous employment with the joint venture which would have constituted vesting service under the Plan had the joint venture been an Employer, and (B) periods of contiguous employment with the joint venture partner of Quest Diagnostics (or Affiliate) prior to the establishment of the joint venture which would have constituted vesting service under the Plan had the partner been an Employer, both periods of employment credited under rules promulgated by the Plan Administrator applied in a uniform and nondiscriminatory manner, and to the extent permitted by applicable law;
(6)    Periods of Qualified Military Service required under Code Section 414(u); and

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(7)    Periods of employment with an entity that adopts this Plan and that is not an Affiliate of Quest Diagnostics, but solely with respect to periods after the date of such adoption and only while the Plan is maintained by such entity.
(c)    In no event shall Years of Vesting Service be credited under more than one paragraph of subsection (b).
ARTICLE II     
ELIGIBILITY AND PARTICIPATION
2.1    Eligibility
(a)    Any Employee who was a Participant in the Plan on December 31, 2011 shall be a Participant in this Plan on January 1, 2012, as long as he remains an Eligible Employee on such date.  If so eligible on December 31, 2011, such a Participant shall remain eligible to make Employee Pre-Tax Contributions and to receive Employer Matching Contributions and Employer Discretionary Contributions (if any).
(b)    Any Eligible Employee who was not a Participant in the Plan on December 31, 2011 shall become a Participant in this Plan eligible to make Employee Pre-Tax Contributions as soon as administratively feasible after he completes one month of Eligibility Service.  Such an Eligible Employee shall become eligible to receive Employer Matching Contributions and Employer Discretionary Contributions (if any) as soon as administratively feasible after he completes 12 months of Eligibility Service.
2.2    Participation
(a)    Each Eligible Employee who has met the requirements of Section 2.1 may, by making an Appropriate Request, enter into a salary reduction agreement in accordance with Section 3.1(a) and, if applicable Section 3.1(b).
(b)    An Eligible Employee who becomes a Participant shall remain a Participant so long as he remains an Employee or is a former Employee who maintains an amount credited to his Account.  However, if he remains an Employee but not an Eligible Employee, he shall not be eligible to make Employee Pre-Tax Contributions or to receive Employer Matching Contributions and Employer Discretionary Contributions (if any).  If he severs from employment with no amount credited to his Account, he shall cease being a Participant as of his Severance from Service Date.

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(c)    If an Employee who was a Participant severs from employment and is reemployed as an Eligible Employee, he shall be eligible to make Employee Pre-Tax Contributions as soon as administratively feasible following his Reemployment Commencement Date.  He also will be credited, for purposes of his eligibility to receive Employer Matching Contributions and Employer Discretionary Contributions (if any), with his Eligibility Service earned prior to his Severance from Service Date.
(d)    If an Employee who was not a Participant severs from employment and is reemployed as an Eligible Employee, he shall become a Participant on the later of:  (1) his Reemployment Commencement Date, or (2) the date he completes one month of Eligibility Service (taking into account Eligibility Service both before and after his Reemployment Commencement Date).  He then shall be eligible to make Employee Pre-Tax Contributions as soon as administratively feasible after the date he becomes a Participant and shall be eligible to receive Employer Matching Contributions and Employer Discretionary Contributions (if any) as soon as administratively feasible after the date he completes 12 months of Eligibility Service, considering Eligibility Service both before and after his Reemployment Commencement Date.
2.3    Beneficiary Designation
(a)    Upon commencing participation, each Participant shall designate a Beneficiary in such manner as the Plan Administrator may determine from time to time.  In the absence of a Participant’s valid designation of Beneficiary, he is deemed to have designated his spouse as his Beneficiary but if he is unmarried upon his death or if all persons he designated as a Beneficiary have ceased to exist, he is deemed to have designated the following as his Beneficiary:  (1) the beneficiary designated under the group-term life insurance plan sponsored by a member of the Quest Diagnostics controlled group in which he participates; or (2) his estate, if no beneficiary has been designated under the group-term life insurance plan sponsored by a member of the Quest Diagnostics controlled group in which he participates.
(b)    The Beneficiary of a married Participant shall be his spouse unless:  (1) he obtains spousal consent (as described below) to his designation of another person as his primary Beneficiary; or (2) he establishes to the satisfaction of the Plan Administrator that spousal consent cannot be obtained because there is no spouse, the spouse cannot be located or such other circumstances exist 

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as prescribed in applicable Regulations.  Spousal consent shall:  (i) be made on a form approved by the Plan Administrator, (ii) be irrevocable by the spouse, (iii) acknowledge the designation and the effect of such designation and (iv) be witnessed by a representative of the Plan Administrator or a notary public.  As an alternative to clause (iii) above, the spouse may execute an irrevocable general consent that does not identify the designated Beneficiary and that allows the Participant to make future changes in his Beneficiary designation without further spousal consent.  Any such general consent shall satisfy Regulation §1.401(a)-20, Q&A-31(c).
(c)    If a Participant who was unmarried when he filed (or was deemed to have filed) a Beneficiary designation later marries, or if a Participant who was married when he filed (or was deemed to have filed) a Beneficiary designation later becomes married to a different spouse, his prior designation (or deemed designation) of a Beneficiary other than the spouse to whom he is married on the date of his death shall be null and void unless consented to by such spouse in the manner provided in subsection (b).
(d)    After the death of a Participant and before distribution of his Account balance has been completed, his Beneficiary for whom an Account has been established is considered a Participant for purposes of specifying Investment Options for his Account, making an election under Section 6.4, designating a Beneficiary for his Account and charging expenses to his Account.
(e)    The Committee’s interpretation with respect to any Beneficiary designation is binding and conclusive, subject to applicable law, upon all parties and no person claiming to be a Beneficiary, or other person, has the right to question an action of the Committee in such regard.
(f)    The right of any spouse or Beneficiary hereunder is subject to the provisions of any QDRO issued with respect to the Participant’s Account under the Plan.

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ARTICLE III     
CONTRIBUTIONS
3.1    Employee Pre-Tax Contributions
(a)    Regular Pre-Tax Contributions
(1)    An Eligible Employee may enter into a salary reduction agreement with his Employer in which it is agreed that the Employer will reduce the Eligible Employee’s Deferral Compensation during each pay period by a designated percentage and contribute the amount so determined to the Plan on behalf of the Eligible Employee.  Such contributions are referred to as “Regular Pre-Tax Contributions.”  The Plan Administrator may disregard or modify an Eligible Employee’s salary reduction agreement with respect to Regular Pre-Tax Contributions to the extent necessary to ensure that (A) the excess deferral rules of subsection (c) are met; (B) the limitations set forth in Sections 3.5 and 4.7 are not exceeded; and (C) all contributions are deductible under Code Section 404.  Regular Pre-Tax Contributions may be any whole percentage between 1% and 35% of the Deferral Compensation otherwise payable to the Eligible Employee during the applicable payroll period.
(2)    The salary reduction agreement of an Eligible Employee who becomes eligible to make Regular Pre-Tax Contributions is effective as soon as administratively feasible following the date on which his Appropriate Request is made.
(3)    A Participant’s Regular Pre-Tax Contributions shall be invested among the various Investment Options in accordance with his Investment Option election as in effect under Section 7.4.
(4)    A Participant who has in effect a salary reduction agreement with respect to Regular Pre-Tax Contributions may elect to change such agreement, including prospectively suspending such agreement, by making an Appropriate Request.  Such new election shall become effective as soon as administratively feasible following the date on which his Appropriate Request is made.
(5)    A Participant’s Regular Pre-Tax Contributions shall be credited to his Employee Regular Pre-Tax Sub-Account under Section 4.4.

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(b)    Catch-Up Pre-Tax Contributions
(1)    An Eligible Employee who will have attained age 50 by the end of the Plan Year may enter into a salary reduction agreement with his Employer in which it is agreed that the Employer will reduce his Deferral Compensation during each pay period by a designated percentage (beyond the designated percentage by which his Deferral Compensation is reduced with respect to Regular Pre-Tax Contributions) and contribute the amount so determined to the Plan on behalf of the Eligible Employee.  Such additional contributions are referred to as “Catch-Up Pre-Tax Contributions.”  Catch-Up Pre-Tax Contributions may be any whole percentage between 1% and, when added to Regular Pre-Tax Contributions, 70% of the Deferral Compensation otherwise payable to the Eligible Employee during the applicable payroll period.  Catch-Up Pre-Tax Contributions shall be made in accordance with, and subject to the limitations of, Code Section 414(v).  Catch-Up Pre-Tax Contributions shall not be taken into account for purposes of the Code Section       402(g) limitation set forth in Section 3.1(c)(1) (except as modified by Code Sections 414(v)) or the Code Section 415 limitation set forth in Section 4.7.  The Plan shall not be treated as failing to satisfy the provisions of the Plan implementing the requirements of Code Sections 401(k)(3), 401(k)(12), 410(b) or 416, as applicable, by reason of the making of Catch-Up Pre-Tax Contributions.
(2)    The salary reduction agreement of a Participant who becomes eligible to make Catch-Up Pre-Tax Contributions is effective as soon as administratively feasible following the date on which his Appropriate Request is made.
(3)    A Participant’s Catch-Up Pre-Tax Contributions shall be invested in accordance with the Investment Option election applicable to the investment of his Regular Pre-Tax Contributions.
(4)    A Participant who has in effect a salary reduction agreement with respect to Catch-Up Pre-Tax Contributions may elect to change such agreement, including prospectively suspending such agreement, by making an Appropriate Request.  Such new election shall become effective as soon as administratively feasible following the date on which his Appropriate Request is made.

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(5)    A Participant’s Catch-Up Pre-Tax Contributions shall be credited to his Employee Pre-Tax Catch-Up Sub-Account under Section 4.4.
(6)    If, by the end of the Plan Year, the amount of a Participant’s Employee Pre-Tax Contributions originally designated as Regular Pre-Tax Contributions does not exceed either (A) the Code Section 402(g) limitation for such Plan Year, (B) the 35% of Deferral Compensation limitation set forth in Section 3.1(a)(1) or (C) the maximum Code Section 415(c) limitation for such Plan Year, then any Employee Pre-Tax Contributions made by him and originally designated as Catch-Up Pre-Tax Contributions shall be recharacterized as Regular Pre-Tax Contributions to the extent the sum of his Employee Pre-Tax Contributions originally designated as Regular Pre-Tax Contributions and Employee Pre-Tax Contributions previously recharacterized as Regular Pre-Tax Contributions does not exceed such limitations.
(7)    In order to make a Catch-Up Pre-Tax Contribution, a Participant must make a Regular Pre-Tax Contribution of at least 4% of Deferral Compensation throughout the portion of the Plan Year during which he is an Eligible Employee.
(c)    Excess deferrals
(1)    No Participant may have Regular Pre-Tax Contributions made on his behalf under this Plan in any calendar year which in the aggregate exceed the dollar limitation contained in Code Section 402(g) in effect for such calendar year.  For purposes of the preceding sentence, Regular Pre-Tax Contributions are deemed made as of the pay date for which the salary is deferred, regardless of when the contributions are actually transmitted to the Trust Fund.
(2)    (A)  If in any calendar year the aggregate of the Regular Pre-Tax Contributions made on a Participant’s behalf under this Plan, plus his other elective deferrals under any other qualified cash or deferred arrangement (as defined in Code Section 401(k)) maintained by any sponsor, under any simplified employee pension (as defined in Code Section 408(k)), or used to have an annuity contract purchased on his behalf under Code Section 403(b), exceed the limitation of paragraph (1), then no later than the March 1st following such calendar year he may notify the Plan Administrator:  (i) that he has exceeded the limitation and (ii) of the amount of (A) 

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his Regular Pre-Tax Contributions under this Plan which he wants distributed to him (as adjusted for Allocable Income/Loss) or (B) his Regular Pre-Tax Contributions under this Plan which (if he is so eligible) he wants recharacterized as Catch-Up Pre-Tax Contributions (as adjusted for Allocable Income/Loss), notwithstanding his salary reduction agreement, so that he will not exceed the limitation.  The Plan Administrator may require him to provide reasonable proof that he has exceeded the limitation of paragraph (1).
If in any calendar year the aggregate of the Regular Pre-Tax Contributions made on a Participant’s behalf under the Plan, plus his other elective deferrals under any other qualified cash or deferred arrangement (as defined in Code Section 401(k)) maintained by the Employer or an Affiliate, under a simplified employee pension (as defined in Code Section 408(k)) sponsored by the Employer or an Affiliate, or used to have the Employer or an Affiliate purchase an annuity contract on his behalf under Code Section 403(b), exceed the limitation of paragraph (1), then he shall be deemed to have notified the Plan Administrator that notwithstanding his salary reduction agreement:  (i) he has exceeded the limitation and (ii) he wants distributed to him or (if he is so eligible) recharacterized as Catch-Up Pre-Tax Contributions (to the extent permitted under Code Section 414(v)) the amount of such excess deferrals (as adjusted for Allocable Income/Loss) so that he will not exceed the limitation.
No later than the next April 15, the Plan Administrator may (but shall not be obligated to) make the distribution requested, or deemed to have been requested, by him under this subparagraph (A).  Such distribution may be made notwithstanding any other provision of law or this Plan.  Except as otherwise provided by applicable Regulations, such distribution shall not reduce the amount of Regular Pre-Tax Contributions considered as annual additions under Section 4.7.  Any amounts not distributed under this subparagraph (A) shall continue to be held in accordance with the terms of the Plan.
(B)    After a distribution of excess Regular Pre-Tax Contributions (if any) under subparagraph (A), Employer Matching Contributions (if any) made with respect to such distributed Regular Pre-Tax Contributions shall be withdrawn (with Allocable Income/Loss thereon) from such Participant’s Employer Matching Sub-Account and applied to reduce future Employer Matching Contributions under Section 3.2.  After a recharacterization of excess Regular Pre-Tax Contributions (if 

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any) under subparagraph (A), Employer Matching Contributions (if any) made with respect to such recharacterized Regular Pre-Tax Contributions shall, to the extent such Employer Matching Contributions would not have been made had such amount originally been considered Catch-Up Matching Contributions, be withdrawn (with Allocable Income/Loss thereon) from such Participant’s Employer Matching Sub-Account and applied to reduce future Employer Matching Contributions under Section 3.2.
(3)    Catch-Up Pre-Tax Contributions exceeding the limitations of Code Section 414(v) shall be returned to the Participant under rules similar to those described in subparagraphs (1) and (2) above.  Employer Matching Contributions made with respect to excess Catch-Up Pre-Tax Contributions shall be treated as provided in subparagraph (2)(B) above.
3.2    Employer Matching Contributions
(a)    For paydates on or after January 6, 2012, the Employer shall make Employer Matching Contributions to the Trust Fund equal to 100% of the Employee Pre-Tax Contributions made by each Eligible Employee with respect to each payroll period, but taking into account only those Employee Pre-Tax Contributions made by him with respect to such payroll period which are made at a rate that does not exceed 5% of his Deferral Compensation (but only up to the Code Section 401(a)(17)(B) limit).  Employer Matching Contributions may be made, at the discretion of Quest Diagnostics, solely in cash, solely in Quest Diagnostics Common Stock or in a combination of cash and Quest Diagnostics Common Stock.
(b)    Employer Matching Contributions made on behalf of a Participant shall be invested in accordance with the Investment Option election applicable to his Regular Pre-Tax Contributions.
(c)    If the Code Section 402(g) limit is less than 5% of the Code Section 401(a)(17) limit when a Non-highly Compensated Employee makes Regular Pre-tax Contributions equal to the Code Section 402(g) limit and also makes Catch-up Pre-tax Contributions, then the Non-highly Compensated Employee will receive Employer Matching Contributions on his Catch-up Pre-tax Contributions.  Notwithstanding, the Non-highly Compensated Employee will only receive Employer Matching Contributions on his Catch-up Pre-tax Contributions to the extent necessary 

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to meet the matching contributions formula of this Section 3.2.  Otherwise, the Employer shall not make Employer Matching Contributions with respect to Catch-Up Pre-Tax Contributions, except as applicable to Catch-Up Pre-Tax Contributions that have been recharacterized as Regular Pre-Tax Contributions pursuant to Section 3.1(b)(6).
(d)    Employer Matching Contributions shall be remitted to the Trustee in accordance with Regulation §1.401(k)-3(c)(5)(ii), except that any Employer Matching Contributions with respect to recharacterized Regular Pre-Tax Contributions under Section 3.1(b)(6) shall be made as soon as administratively feasible following the end of the Plan Year for which the Regular Pre-Tax Contributions were originally designated as Catch-Up Pre-Tax Contributions.  Employer Matching Contributions made on behalf of a Participant shall be credited to his Employer Matching Sub-Account under Section 4.5.
3.3    Employer Discretionary Contributions
An Employer may elect for any Plan Year to make an Employer Discretionary Contribution in an amount expressed as a percentage of Deferral Compensation and which shall be allocated in accordance with Section 4.6.  Employer Discretionary Contributions may be made, at the discretion of Quest Diagnostics, solely in cash, solely in Quest Diagnostics Common Stock or in a combination of cash and Quest Diagnostics Common Stock.  Employer Discretionary Contributions shall be invested in the same manner as Regular Pre-Tax Contributions.  If Employer Discretionary Contributions are made, they shall be credited to the Partnership Sub-Account of Participants receiving such contributions.
3.4    Rollover Contributions
(a)    An Eligible Employee (regardless whether he has satisfied the initial eligibility requirements of Section 2.1) may, by making an Appropriate Request, request to make a rollover contribution to the Plan from the type of plans described in subsection (b) below.
(b)    (1)  The Plan will accept a direct rollover of an eligible rollover distribution, as defined in Code Section 402(f)(2)(A), from:
(A)    a qualified plan described in Code Sections 401(a) or 403(a), excluding after-tax employee contributions;

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(B)    an annuity contract described in Code Section 403(b), excluding after-tax employee contributions; or
(C)    an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, but excluding after-tax employee contributions.
(2)    The Plan will accept an Eligible Employee’s contribution of an eligible rollover distribution, as defined in Code Section 402(f)(2)(A), from:
(A)    a qualified plan described in Code Sections 401(a) or 403(a), excluding after-tax employee contributions;
(B)    an annuity contract described in Code Section 403(b), excluding after-tax employee contributions;
(C)    an eligible plan under Code Section 457(b) which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state, but excluding after-tax employee contributions.
(3)    The Plan will accept an Eligible Employee’s rollover contribution of a portion of a distribution from an individual retirement account or annuity described in Code Sections 408(a) or 408(b) that is a “conduit IRA” (i.e., an individual retirement account or annuity that solely holds amounts that were rolled over from a qualified retirement plan and earnings or losses on such amounts).
(c)    The Plan Administrator may require the Eligible Employee requesting to make a rollover contribution to provide whatever documentation and/or certifications the Plan Administrator deems necessary to reasonably conclude that the rollover contribution satisfies the conditions set forth in subsection (b) above.
(d)    Rollover contributions generally must be in cash; in-kind rollover contributions (but excluding stock of a prior employer) are permitted only in connection with a corporate transaction (as determined by the Plan Administrator) involving an Employer and then only if the Plan Administrator and the Trustee determine that management of such contribution is administratively feasible.  A rollover contribution shall be credited to the Participant’s Rollover Sub-Account and shall be 100% vested at all times.  If an Eligible Employee who has not otherwise commenced 

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participation in the Plan makes a rollover contribution, he shall be considered a Participant with respect to his Rollover Sub-Account, which shall be invested in the applicable qualified default Investment Option specified by the Investment Committee unless and until he makes a different Investment Option election pursuant to Section 7.4.  A rollover contribution of a Participant shall be invested in accordance with his outstanding Investment Option election as in effect under Section 7.4.
(e)    If the Plan Administrator, after reasonably concluding that a rollover contribution made by an Eligible Employee met the conditions set forth in subsection (b) above, later determines that the contribution did not meet those conditions, it shall direct the Trustee to distribute to him the amount of such rollover contribution, as adjusted by the investment experience, expenses (if any), distributions (if any) and withdrawals (if any) attributable to such amount, within a reasonable time after such determination.
3.5    Maximum Deductible Contribution
In no event shall the Employer be obligated to make a Contribution for a Plan Year in excess of the maximum amount deductible by it under Code Section 404.
3.6    Actual Deferral Percentage Test Safe Harbor
The Plan is intended to satisfy Code Section 401(k)(3)(A)(ii) (the “ADP Test”) since:  (1)(A) the rate of Employer Matching Contributions does not increase as a Participant’s rate of Employee Pre-Tax Contributions increases, (B) the aggregate amount of Employer Matching Contributions at each rate of Employee Pre-Tax Contributions is at least equal to the aggregate amount of Employer Matching Contributions that would be made if Employer Matching Contributions were made on the basis of the percentages described in Code Section 401(k)(12)(B)(i), and (C) the rate of Employer Matching Contributions with respect to any Employee Pre-Tax Contributions of a Highly Compensated Employee at any rate of Employee Pre-Tax Contributions is not greater than that with respect to an Eligible Employee who is not a Highly Compensated Employee; and (2) the Plan Administrator provides each Eligible Employee, within a reasonable period before the Plan Year begins (or within a reasonable period before he becomes an Eligible Employee), written notice of his rights and obligations under the Plan sufficiently accurate and 

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comprehensive to appraise him of such rights and obligations and written in a manner calculated to be understood by the average Eligible Employee.
Notwithstanding that the Plan is intended to be a “safe harbor” 401(k) plan with respect to Employee Pre-Tax Contributions, the provisions of the following sentence shall be applicable to Eligible Employees during such period as they are able to make Employee Pre-Tax Contributions but are not eligible to receive Employer Matching Contributions.  The Plan shall satisfy the ADP Test with respect to such Participants, using the current year testing method.
3.7    Payment of Contributions to Trustee
Unless an earlier time for contribution is specified in Sections 3.1 or 3.2, the Employer shall pay to the Trustee its Contributions for each Plan Year within the time prescribed by law, including extensions of time for the filing of its federal income tax return for its taxable year during which such Plan Year ended.
3.8    No Employee After-Tax Contributions
No Participant shall be permitted to make after-tax, including Roth, contributions under the Plan.
3.9    Actual Contribution Percentage Test Safe Harbor
The Plan is intended to satisfy Code Section 401(m)(2) (the “ACP Test”) since:  (1)(A) the rate of Employer Matching Contributions does not increase as a Participant’s rate of Employee Pre-Tax Contributions increases, (B) the aggregate amount of Employer Matching Contributions at each rate of Employee Pre-Tax Contributions is at least equal to the aggregate amount of Employer Matching Contributions which would be made if Employer Matching Contributions were made on the basis of the percentages described in Code Section 401(k)(12)(B)(i), and (C) the rate of Employer Matching Contributions with respect to any Employee Pre-Tax Contributions of a Highly Compensated Employee at any rate of Employee Pre-Tax Contributions is not greater than that with respect to an Employee who is not a Highly Compensated Employee; (2) the Plan Administrator provides each Eligible Employee, within a reasonable period before the Plan Year begins (or within a reasonable period before he becomes eligible for Employer Matching Contributions), written notice of his rights and obligations under the Plan sufficiently accurate and comprehensive to appraise him of such rights and obligations and written in a manner calculated to be understood by 

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the average Eligible Employee; and (3) Employer Matching Contributions on behalf of a Participant are not made with respect to his Employee Pre-Tax Contributions in excess of 6% of his Deferral Compensation.
3.10    USERRA
Notwithstanding any provision of this Plan to the contrary, contributions, benefits and service credit with respect to Qualified Military Service will be provided in accordance with the provisions of USERRA and Code Section 414(u).  An Eligible Employee who is absent from employment solely by reason of Qualified Military Service shall be subject to the following special rules and have the privileges described below:
(a)    If, at the time of the commencement of his absence for Qualified Military Service, the Eligible Employee was not yet a Participant solely by reason of his failure to satisfy the minimum service requirements of the Plan, he shall be deemed to have become a Participant as of the date on which he would otherwise have become a Participant had such employment not been interrupted by Qualified Military Service.
(b)    Solely for the purposes of determining all limitations applicable under the Plan and the Code, all “make-up contributions” by the Participant or the Employer pursuant to this Section shall be deemed to be made in the Plan Year in which originally missed.  For the purposes of applying these limitations, the Participant will be imputed with Compensation in an amount equal to the amount he would have earned during his period of Qualified Military Service in the Plan Year (or the fraction thereof) had he been employed through the entirety of such period as an Eligible Employee at his regular rate of wages or salary in effect (including any contractual holiday, vacation or sick pay, contractual bonuses and other contractual direct remuneration) immediately prior to the commencement of such Qualified Military Service.
(c)    A Participant who resumes employment with an Employer or an Affiliate following Qualified Military Service within the time during which his reemployment rights are protected by the provisions of USERRA shall be entitled to make up missed Employee Pre-Tax Contributions which he could have made but for such Qualified Military Service at any time during the period commencing with his resumption of employment with the Employer or Affiliate (whether or not then an Eligible Employee) and ending on the earliest to occur of:  (1) the date that occurs five (5) 

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years from the date on which such Qualified Military Service absence commenced; (2) the date on which his employment terminates after having been resumed following Qualified Military Service; or (3) the date that occurs after a passage of time commencing on his resumption of employment following Qualified Military Service which is equal to three (3) times the duration of such absence for Qualified Military Service.  Any such “make-up” Employee Pre-Tax Contributions shall be made by payroll withholding unless otherwise permitted by applicable Regulations.
(d)    To the extent that the Employer is required to make contributions to the Plan for a Participant in order to comply with the provisions of USERRA and Code Section 414(u), such contributions shall be made when he presents himself to resume services as an Employee of an Employer or an Affiliate within the time his reemployment rights are protected by federal law.
(e)    To the extent a Participant makes “make-up” Employee Pre-Tax Contributions described in paragraph (c) above, the Employer shall contribute for allocation to his Employer Matching Contributions Account an amount equal to the Employer Matching Contributions that would have been made for his benefit if his make-up Elective Deferral Contributions had been made at the time his imputed Compensation would have been earned (without adjustment to reflect investment gains or losses or income or expenses that would have been attributable thereto).
(f)    If a Participant dies while in Qualified Military Service, his Beneficiary shall be entitled to any additional benefits (other than benefit accruals relating to the period of Qualified Military Service) provided under the Plan had the Participant resumed employment and then on the following day severed from employment on account of death.
(g)    If a Participant in Qualified Military Service elects to receive a distribution from the Plan on account of his severance from employment pursuant to Section 6.6(d), he shall not be permitted to make Employee Pre-Tax Contributions during, or to “make-up” Employee Pre-Tax Contributions with respect to, the six-month period beginning on the date of the distribution.
(h)    A Participant in Qualified Military Service receiving a differential wage payment (as defined in Code Section 3401(h)(2)) shall be treated as an Eligible Employee of the Employer making the payment if he would be so considered had he not entered Qualified Military Service, and the differential wage payment shall be treated as Section 415 Compensation and as Deferral Compensation.

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3.11    Corrective Contributions
(a)    If it becomes necessary to correct a failure to follow the provisions of the Plan, to correct mistakes made in amounts distributed from or credited to Accounts, to restore the portion of an Account that was forfeited pursuant to any provision of the Plan or if an Employee should have been included as a Participant but is mistakenly excluded for any reason, correction or restoration shall first be made out of Employer contributions and forfeitures and then out of Trust Fund earnings for the Plan Year in question, but only to the extent that such amounts have not already been allocated under the provisions of the Plan.  Any additional amounts needed may be provided by a special contribution to the Plan which the Employer, in its sole discretion (but considering the rules on deductibility under Code Section 162 and, if applicable, subject to  limitations on deductible contributions and maximum annual additions), may elect to make.  Any such correction of mistake or special contribution shall be corrected, allocated or credited in the manner specified by the Plan Administrator.
(b)    The provisions of this subsection (b) shall apply only to an Employee or former Employee who becomes entitled to back pay by an award or agreement of an Employer without regard to mitigation of damages.  If a person to whom this subsection applies was an Eligible Employee or would have become an Eligible Employee, after such back pay award or agreement has been effected, and if he had not previously elected to make Employee Pre-Tax Contributions pursuant to Section 3.1 but within 30 days of the date he receives notice of the provisions of this Section he makes an election to make Employee Pre-Tax Contributions in accordance with Section 3.1 (retroactive to any date as of which he was or has become eligible to do so), then he may elect that any Employee Pre-Tax Contributions not previously made on his behalf but which, after application of the foregoing provisions of this subsection, would have been made under the provisions of Article III shall be made out of the proceeds of such back pay award or agreement.  In addition, if any such Employee or former Employee would have been eligible to participate in the allocation of Employer Matching or Discretionary Contributions under the provisions of Articles III or XI for any prior Plan Year, after such back pay award or agreement has been effected his Employer shall make Employer Matching and Discretionary Contributions equal to the amount of the Employer Matching and Discretionary Contributions (respectively) which would have been 

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allocated to him under the provisions of Articles III or XI as in effect during each such Plan Year after giving effect to any Employee Pre-Tax Contributions made previously or made pursuant to the preceding sentence.  The amounts of such additional contributions shall be credited to his Account.  Any additional contributions made pursuant to this subsection shall be made in accordance with, and subject to the limitations of, the applicable provisions of the Plan.
ARTICLE IV     
ALLOCATIONS TO ACCOUNTS
4.1    Accounts
(a)    The Plan Administrator shall establish and maintain a recordkeeping Account in the name of each Participant, including the following recordkeeping sub-accounts to which the Plan Administrator shall credit all amounts allocated to each such Participant under this Article IV as well as earnings or losses thereon and shall debit expenses (if any), distributions (if any) and withdrawals (if any) attributable to such sub-account:  an Employee Regular Pre-Tax Sub-Account, an Employee Pre-Tax Catch-Up Sub-Account and an Employer Matching Sub-Account.  The Plan Administrator also shall maintain such other recordkeeping sub-accounts as the Participant may have pursuant to Appendix B or Appendix C, and such other recordkeeping sub-accounts, e.g., a Rollover Sub-Account, as may be authorized by the Plan or the Plan Administrator as well as earnings or losses thereon and shall debit expenses (if any), distributions (if any) and withdrawals (if any) attributable to each such sub-account.
(b)    The maintenance of separate Accounts shall not require a segregation of the Trust assets and no Participant shall acquire any right to or interest in any specific asset of the Trust as a result of the allocations provided for in the Plan or by reason of the maintenance of Accounts.
4.2    Valuation of Accounts
A Participant’s Account (or applicable sub-account thereof) shall be valued at fair market value as of each business day of the Plan Year (a “Valuation Date”).  As of each such Valuation Date, the earnings or losses of the Trust Fund shall be allocated to each affected Participant’s Account (or applicable sub-account thereof) pursuant to a consistent non-discriminatory method.

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4.3    Notification of Account Balance
As of the last day of each calendar quarter, and at such other times as the Plan Administrator may direct, the Plan’s recordkeeper shall make available to each Participant information regarding the amount of Contributions credited to his Account and applicable sub-accounts for the period just completed and the balance of his Account and applicable sub-accounts, including any distributions, loans and withdrawals or expenses charged to his Account and applicable sub-accounts since the effective date of the last such statement.
4.4    Allocation of Employee Pre-Tax Contributions
An Eligible Employee’s Regular Pre-Tax Contributions under Section 3.1(a) shall be allocated to his Employee Regular Pre-Tax Sub-Account and invested among the Investment Options then available in accordance with Section 7.4.  An Eligible Employee’s Catch-Up Pre-Tax Contributions under Section 3.1(b) shall be allocated to his Employee Pre-Tax Catch-Up Sub-Account and invested in the same manner as his Regular Pre-Tax Contributions.
4.5    Allocation of Employer Matching Contributions
The Employer Matching Contributions made on behalf of an Eligible Employee under Section 3.2 shall be allocated to his Employer Matching Sub-Account and shall be invested in the same manner as his Regular Pre-Tax Contributions.
4.6    Allocation of Employer Discretionary Contributions    
Any Employer Discretionary Contributions under Section 3.3 or forfeitures subject to allocation under Section 5.5(e) shall be allocated among those Participants who are active Eligible Employees as of the last day of such Plan Year and who have met the eligibility requirements of Section 2.1(b) to receive Employer Discretionary Contributions.  Such allocation shall be in proportion to their respective Deferral Compensation (as limited by Code Section 401(a)(17)(B)) for the Plan Year.  Employer Discretionary Contributions required under Section 11.2, and any Employer contributions needed under Section 3.11, shall be allocated as provided in those sections and invested in the same manner as Regular Pre-Tax Contributions, and may be made, at the discretion of Quest Diagnostics, solely in cash, solely in Quest Diagnostics Common Stock or in a combination of cash and Quest Diagnostics Common Stock.  

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4.7    Maximum Additions
(a)    For purposes of this Section, the following terms have the following meanings:
(1)    “Annual additions” means for any Limitation Year (as defined below):
(A)    The sum of the following amounts credited to a Participant’s account in all qualified defined contribution plans (including an annuity contract described in Code Section 403(b)) maintained by the Employer or an Affiliate (or a predecessor employer as defined in Regulation §1.415(f)-1(c)):
		
	(i)
	Employer contributions, even if such Employer contributions are excess contributions (as described in Code Section 401(k)(8)(B)) or excess aggregate contributions (as described in Code Section 401(m)(6)(B)), or such excess contributions or excess aggregate contributions are corrected through distribution;

		
	(ii)
	Employee contributions, including mandatory contributions (as defined in Code Section 411(c)(2)(C) and Regulations thereunder) and voluntary employee contributions;

		
	(iii)
	Forfeitures;

		
	(iv)
	Contributions allocated to any individual medical account, as defined in Code Section 415(1)(2), that is part of a pension or annuity plan established under Code Section 401(h) and maintained by the Employer or an Affiliate;

		
	(v)
	Amounts attributable to post-retirement medical benefits allocated to a separate account for any Employee who, at any time during the Plan Year or any preceding Plan Year, is or was a key employee pursuant to Code Section 419A(d)), maintained by the Employer or an Affiliate; and

		
	(vi)
	The difference between the value of any assets transferred to the Plan and the consideration, where an Employee or the Employer transfers assets to the Plan in exchange for 

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consideration that is less than the fair market value of the assets transferred to the Plan.
(B)    Notwithstanding the foregoing, a Participant’s annual additions do not include the following:
		
	(i)
	The restoration of his accrued benefit by an Employer in accordance with Code Sections 411(a)(3)(D) or (7)(C) or resulting from the repayment of cashouts (as described in Code Section 415(k)(3)) under a governmental plan (as defined in Code Section 414(d)) for the Limitation Year in which the restoration occurs, regardless of whether the Plan restricts the timing of repayments to the maximum extent allowed by Code Section 411(a);

		
	(ii)
	Catch-Up Pre-Tax Contributions made in accordance with Code Section 414(v) and Regulation §1.414(v)-1;

		
	(iii)
	A payment made to restore some or all of the Plan’s losses resulting from an action (or a failure to act) by a fiduciary for which there is reasonable risk of liability for breach of a fiduciary duty (other than a breach of fiduciary duty arising from failure to remit contributions to the Plan) under ERISA or under other applicable federal or state law, where Participants who are similarly situated are treated similarly with respect to the payments.  This includes payments to the Plan made pursuant to a Department of Labor order, the Department of Labor’s Voluntary Fiduciary Correction Program, or a court-approved settlement, to restore losses to a qualified defined contribution plan;

		
	(iv)
	Excess elective deferrals distributed in accordance with Regulation §§1.402(g)-1(e)(2) or (3);

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	(v)
	Rollover Contributions (as described in Code Sections 401(a)(31), 402(c)(1), 403(a)(4), 403(b)(8), 408(d)(3) and 457(e)(16));

		
	(vi)
	Repayments of loans made to the Participant from the Plan;

		
	(vii)
	Repayments of prior Plan distributions described in Code Section 411(a)(7)(B) (in accordance with Code Section 411(a)(7)(C)) and Code Section 411(a)(3)(D) or repayment of contributions to a governmental plan (as defined in Code Section 414(d)) as described in Code Section 415(k)(3);

		
	(viii)
	The direct transfer of a benefit or employee contributions from a qualified plan to a defined contribution plan;

		
	(ix)
	The reinvestment of dividends on employer securities under an employee stock ownership plan pursuant to Code Section 404(k)(2)(A)(iii)(II); and

		
	(x)
	Employee contributions to a qualified cost of living arrangement as defined in Code Section 415(k)(2)(B).

(2)    “Limitation Year” means the Plan Year unless changed by a Plan amendment.  Notwithstanding the preceding, if the Plan is terminated effective as of a date other than the last day of the Limitation Year, the Plan shall be treated as if amended to change its Limitation Year.
(b)    Code Section 415 Limit
(1)    Notwithstanding anything herein to the contrary, in no event may the annual additions (except for Catch-Up Pre-Tax Contributions under Code Section 414(v)) made with respect to a Participant for a Limitation Year under the Plan and any other defined contribution plan, within the meaning of Code Section 415(c), maintained by an Employer or an Affiliate exceed the lesser of $40,000 (as adjusted pursuant to Code Section 415(d)) or 100% of his annual Section 415 Compensation from the Employer or an Affiliate for the Limitation Year.  The compensation limitation referred to in the preceding sentence shall not apply to any contribution for medical benefits (within the meaning of Code Sections 401(h) or 419A(f)(2)) which is otherwise treated as an annual addition under Code Sections 

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415(a)(2) or 415(l)(1).  In the event a short Limitation Year is created because of an amendment changing the Limitation Year to a different 12-consecutive month period, the maximum amount indicated above shall be reduced pro rata in accordance with the number of months in the short Limitation Year.
(2)    If due to a reasonable error in calculating a Participant’s Section 415 Compensation for a Plan Year, due to the allocation of forfeitures or such other facts and circumstances as may justify the availability of this special rule, as determined by the Internal Revenue Service (“IRS”), the annual additions to the Participant’s Account under this Plan and any other defined contribution plan of the Employer exceeds the limitations of paragraph (1) for a Limitation Year, then the excess amounts may be corrected only in accordance with the IRS Employee Plans Compliance Resolution System (“EPCRS”) as set forth in Revenue Ruling 2008-50 or any superseding guidance including, but not limited to, the preamble to the final Code Section 415 Regulations as published in the Federal Register on April 5, 2007.
(3)    The provisions of Code Section 415 and Regulations thereunder are hereby incorporated by reference to the extent not provided above.
4.8    Plan Aggregation and Disaggregation under Code Section 415
(a)    For purposes of applying the limitations of Section 4.7, all defined contribution plans (without regard to whether a plan has been terminated) ever maintained by the “employer” (or a “predecessor employer”) under which the Participant receives annual additions are treated as one plan.  The “employer” means an Employer that adopts this Plan and its Affiliates, except that for purposes of Section 4.7 and this Section, the determination will be made by applying Code Section 415(h) and will take into account tax-exempt organizations under Regulation §1.414(c)-5, as modified by Regulation §1.415(a)-1(f)(1).  For purposes of this subsection (a):
(1)    A former employer is a “predecessor employer” with respect to a participant in a plan maintained by an employer if the employer maintains a plan under which the participant had accrued a benefit while performing services for the former employer, but only if that benefit is provided under the plan maintained by the employer.  For this purpose, the formerly affiliated plan rules in Regulation §1.415(f)-1(b)(2) apply as if the employer and the predecessor employer constituted a single employer under the rules described in 

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Regulation §§1.415(a)-1(f)(1) and (2) immediately prior to the cessation of affiliation (and as if they constituted unrelated employers under the rules described in Regulation §§1.415(a)-1(f)(1) and (2) immediately after the cessation of affiliation), and cessation of affiliation was the event that gives rise to the predecessor employer relationship, such as a transfer of benefits or of plan sponsorship.
(2)    With respect to an employer of a Participant, a former entity that antedates the employer is a “predecessor employer” with respect to the Participant if, under the facts and circumstances, the employer is a continuation of all or a portion of the trade or business of the former entity for which the Participant performed services.
(b)    For purposes of aggregating plans under Code Section 415, a “formerly affiliated plan” of an employer is taken into account for purposes of applying the Code Section 415 limitations to the employer, but the formerly affiliated plan is treated as if it had terminated immediately prior to the “cessation of affiliation.”  For purposes of this paragraph, a “formerly affiliated plan” of an employer is a plan that, immediately prior to the cessation of affiliation, was actually maintained by one or more of the entities that constitute the employer (as determined under the employer affiliation rules described in Regulation §§1.415(a)-1(f)(1) and (2)), and immediately after the cessation of affiliation, is not actually maintained by any of the entities that constitute the employer (as determined under the employer affiliation rules described in Regulation §§1.415(a)-1(f)(1) and (2)).  For purposes of this paragraph, a “cessation of affiliation” means the event that causes an entity to no longer be aggregated with one or more other entities as a single employer under the employer affiliation rules described in Regulation §§1.415(a)-1(f)(1) and (2) (such as the sale of a subsidiary outside a controlled group), or that causes a plan to not actually be maintained by any of the entities that constitute the employer under the employer affiliation rules of Regulation §§1.415(a)-1(f)(1) and (2) (such as a transfer of plan sponsorship outside of a controlled group).
(c)    Two or more defined contribution plans that are not required to be aggregated pursuant to Code Section 415(f) and regulations thereunder as of the first day of a Limitation Year do not fail to satisfy the requirements of Code Section 415 with respect to a Participant for the Limitation Year merely because they are aggregated later in that Limitation Year, provided that no 

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annual additions are credited to the Participant’s account after the date on which the plans are required to be aggregated.
ARTICLE V     
VESTING AND DISTRIBUTIONS
5.1    Normal Retirement
Upon the severance from employment of a Participant on or after attaining his Normal Retirement Age, the value (as determined under Section 4.2) of his entire Account (limited to his Celera Plan sub-accounts if such severance occurs after age 591⁄2 but before age 65) shall become 100% vested and shall become payable as soon as administratively feasible following his retirement.  The Plan Administrator thereupon shall direct the Trustee to distribute to the retiring Participant such amount in accordance with Sections 5.6 and 5.7.
5.2    Disability
Upon the Total and Permanent Disability of a Participant before his Severance from Service Date, the value (as determined under Section 4.2) of his entire Account shall become 100% vested.  As soon as administratively feasible following a Participant’s Total and Permanent Disability, the Plan Administrator shall direct the Trustee to distribute to the Participant such amount in accordance with Sections 5.6 and 5.7.
5.3    Death Before Severance from Employment
If a Participant dies before his Severance from Service Date, the value (as determined under Section 4.2) of his entire Account automatically shall become 100% vested and shall become payable to his Beneficiary in accordance with Section 5.6 as soon as administratively feasible unless the Beneficiary defers distribution, subject to Section 5.8(c).
5.4    Death After Severance from Employment
If a Participant dies after his Severance from Service Date but before he has begun receiving his benefit pursuant to the Plan, the value (as determined under Section 4.2) of the vested portion of his Account (as determined under Section 5.5(b)) shall become payable under Section 5.6 as soon as administratively feasible after the Plan Administrator is notified of the death unless, subject to Section 5.8(c), the Beneficiary defers distribution.  However, if such Participant began benefit 

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payments under the Plan before his death, the provisions of such form of distribution shall control payments after his death.
5.5    Severance from Employment    
(a)    As soon as administratively feasible following a Participant’s severance from employment for any reason other than retirement under Section 5.1; disability under Section 5.2; death under Section 5.3; reduction-in-force under subsection (b)(1) below; or a termination, partial termination or deemed partial termination of the Plan under Section 9.2, the Plan Administrator shall direct the Trustee to distribute to such Participant the value (as determined under Section 4.2) of the vested portion of his Account (as determined under subsection (b)).  Notwithstanding the preceding sentence, pursuant to Section 5.7(b), consent of the Participant may be required before distribution can be made.  However, if a Participant who severed his employment with an Employer is reemployed by an Employer or an Affiliate prior to receiving a distribution of his Account, he shall not be entitled to a distribution as provided in this Section 5.5 due to such severance, but shall be entitled to a distribution as determined herein upon a subsequent severance from employment for any reason.
(b)    A Participant always has a 100% vested percentage in his Employee Pre-Tax Contribution, Employer Matching, Rollover Contribution, Vested Quest Diagnostics Common Stock Dividend and Vested Money Purchase Pension Plan Dividend Sub-Accounts, as applicable, as well as in his Employer Discretionary Contributions (if any).  Also, if a Participant is employed by an Employer or an Affiliate on the date he attains his Normal Retirement Age (limited to his Celera Plan sub-accounts if such severance occurs after age 591⁄2 but before age 65), the date of determination of his Total and Permanent Disability or the date he dies, or if he severs from employment with his Employer or an Affiliate due to a reduction-in-force (as determined by Quest Diagnostics), he shall be 100% vested in his entire Account.
(c)    Any portion of a Participant’s Account in which he is not vested upon his Severance from Service Date for any reason will be forfeited as of the earlier of:
(1)    the last day of the Plan Year in which the Participant incurs five (5) consecutive One-Year Periods of Severance; or
(2)    the distribution of the balance of the Participant’s entire vested Account.

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For purposes of paragraph (2) above, a terminated Participant who has no vested benefit in his Account (other than a Rollover Contributions Sub-Account) is deemed to have received a distribution of the balance of his entire vested Account as of his Severance from Service Date.
(d)    Withdrawal of Vested Portion — If a withdrawal is made at a time when a Participant has a vested right to less than 100% of the value of his entire Account and the non-vested portion of his Account has not yet been forfeited pursuant to subsection (c) above:
(1)    separate sub-accounts shall be established for the Participant’s interest in his non-vested sub-accounts as of the time of distribution; and
(2)    at any relevant time the Participant’s vested portion of the separate sub-accounts shall be an amount (“X”) determined by the formula:
X=P(AB+ (RxD))-(RxD).
For purposes of the above formula:  P is the vested percentage at the relevant time; AB is the particular sub-account balance at the relevant time; D is the amount of the distribution; and R is the ratio of such sub-account balance at the relevant time to such sub-account balance after distribution.
(e)    Application of Forfeitures — Forfeitures occurring during the Plan Year first shall be used to reinstate previously forfeited sub-accounts of reemployed Participants, if any, and any remaining forfeitures then will be used either to reduce or supplement Employer Matching or Discretionary Contributions to the Plan, to make corrective allocations to the Plan (and earnings on such corrective allocations) pursuant to Section 3.11 or to pay Plan expenses.
(f)    Restoration of Forfeitures — 
(1)    Notwithstanding anything herein to the contrary, if a Participant forfeits any portion of his Account pursuant to this Section or to Appendix B but returns to the employ of an Employer or an Affiliate, the amount forfeited will be recredited to his Account if he repays to the Plan the full amount of the prior distribution from his Account, without interest, prior to the earlier of:
(A)    five (5) consecutive One-Year Periods of Severance; or
(B)    the 5th anniversary of his Reemployment Commencement Date.

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In the case of a Participant whose Severance from Service Date occurred prior to his earning a vested interest in his Account (other than a Rollover Contributions Sub-Account) and who was deemed to have received a distribution of such vested interest under subsection (c) above, the amount forfeited will be recredited to his Account if he is reemployed by an Employer or an Affiliate prior to incurring five (5) consecutive One-Year Periods of Severance.
(2)    A Participant’s vested percentage in the amount recredited under this subsection (f) will thereafter be determined under the terms of the Plan as if no forfeiture had previously occurred.  The monies required to effect the restoration of a Participant’s Accounts shall come from other Participant’s Accounts forfeited in accordance with this Section or, if necessary, additional Employer contributions.
(g)    If the Plan’s vesting schedule is amended, or the Plan is amended in any way that directly or indirectly affects the computation of a Participant’s vested percentage, each Participant who has completed three (3) or more Years of Vesting Service, may elect, within the period described below, to have his vested percentage determined without regard to such amendment or change.  The period referred to in the preceding sentence will begin on the date the amendment of the vesting schedule is adopted and will end 60 days thereafter or, if later, 60 days after the later of:
(1)    the date on which such amendment becomes effective; and
(2)    the date on which the Participant is issued written notice of such amendment by the Plan Administrator.
For purposes of this subsection (g), a Participant will be considered to have completed three (3) Years of Service if he has completed three (3) Years of Service, whether or not consecutive, without regard to the exceptions contained in Code Section 411(a)(4).
5.6    Method of Payment    
(a)    Normal Form
(1)    The normal form of distribution under the Plan is a lump sum.
(2)    At the election of the Participant, payments from investments held in the Quest Diagnostics Incorporated Stock Fund will be distributed in Quest Diagnostics Common Stock (whole shares only) but, in the absence of such an election, will be distributed in cash.  Payments from other investments will be made only in cash except that, in the case 

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of a distribution made in connection with a corporate transaction, in the discretion of the Trustee in-kind payments may be made if such in-kind payments will be accepted as rollover contributions by the trustee of the subsequent employer’s plan.
(3)    During the 180-day period ending on the day his distribution commences, a Participant may elect to have his Plan benefit paid in one of the options under subsection (b).
(4)    A Participant who desires to have his benefit paid in an option under subsection (b) shall make such an election through an Appropriate Request.  His election to receive his benefit in an option provided in subsection (b) may be revoked by him at any time and any number of times during the 180-day period ending on the day benefit payments commence.  After benefit payments have commenced, no elections or revocations of an optional method will be permitted under any circumstances.
(5)    Participants who have a portion of their vested Account attributable to the QJSA Portion (as described in Appendix D) will be subject to the rules of Appendix D in respect to the distribution of such portion.
(b)    Available Options
In lieu of a lump sum, a Participant may elect monthly, quarterly or annual installments from the Trust Fund over a period not to exceed the lesser of:  (A) 10 years; or (B) the life expectancy of the Participant or the joint life expectancies of him and his Beneficiary.  Life expectancies are determined when payments commence and are not later recalculated.  Installment payments shall be made pro-rata from the various sub-accounts within his Account.
5.7    Cash-Outs; Consent    
(a)    If a Participant retires under Section 5.1, becomes disabled under Section 5.2 or severs from employment under Section 5.5 and the value (as determined under Section 4.2) of the vested portion of his Account does not exceed $1,000 as of the first Valuation Date (and its confirmation date) thereafter upon which such Account is valued for purposes of determining if it exceeds $1,000, the Plan Administrator shall direct the Trustee to distribute to him such amount in accordance with Section 5.6(a) as soon as administratively feasible following such Valuation Date (and its confirmation date).  If the value of the vested portion of his Account exceeds $1,000 upon such Valuation Date (or its confirmation date), but is $1,000 or less as of any subsequent Valuation 

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Date upon which such Account is valued for purposes of determining if it exceeds $1,000, the Plan Administrator shall direct the Trustee to distribute to him such amount in accordance with Section 5.6(a) as soon as administratively feasible following such Valuation Date.  For purposes of this Section 5.7(a), the value of a Participant’s Account shall be determined by including that portion of the account that is attributable to rollover contributions (and earnings or losses attributable thereto) within the meaning of Code Sections 402(c), 403(a)(4), 403(b)(8), 408(d)(3)(A)(ii) and 457(e)(16).
(b)    If a Participant retires under Section 5.1, becomes disabled under Section 5.2 or severs from employment under Section 5.5 and the value (as determined under Section 4.2) of the vested portion of his Account exceeds $1,000 (and such value exceeds $1,000 as of each subsequent Valuation Date (or its confirmation date) upon which such Account is valued for purposes of determining if it exceeds $1,000), then no distribution shall be made prior to his “required beginning date” under Section 5.8(g)(5) unless he consents to the making of such distribution through an Appropriate Request.  Distribution shall commence no later than 90 days from the date his written consent is obtained.  He shall be given a notice of the right to defer any distribution to his “required beginning date” under Section 5.8(g)(5).  Such notification shall be given no less than 30 days and no more than 180 days prior to the date distribution commences.  Notwithstanding the preceding sentence, distribution may commence less than 30 days after the notification was given, as long as the notification informs him that he has a right to a period of at least 30 days after receiving the notice to decide whether to elect a distribution.
5.8    Payment of Benefits    
(a)    Except as provided in subsection (b), in the event a Participant’s Account shall be due and payable under this Article V and he has not elected otherwise in accordance with the Plan, the payment of his Account shall begin not later than 60 days after the close of the Plan Year in which occurs the latest of:
(1)    the date on which he attains age 65;
(2)    the 10th anniversary of the date on which he commenced participation in the Plan; and
(3)    his severance from employment with the Employer.

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(b)    The requirements of subsections (c) – (f) of this Section 5.8 will apply for purposes of determining required minimum distributions and will take precedence over any inconsistent provisions of the Plan.  All distributions required under subsections (c) – (f) will be determined and made in accordance with the Regulations under Code Section 401(a)(9) and the minimum distribution incidental benefit requirements of Code Section 401(a)(9)(G).
(c)    (1)  The Participant’s entire interest will be, or will begin to be, distributed to him no later than his required beginning date.
(2)    As of the first distribution calendar year, distributions, if not made in a single-sum, may be made only over one of the following periods (or a combination thereof):
(A)    his life;
(B)    the lives of him and his designated beneficiary;
(C)    a period certain not extending beyond his life expectancy; or
(D)    a period certain not extending beyond the joint and last survivor expectancy of him and his designated beneficiary.
(3)    If he dies before distributions begin, his entire interest will be, or will begin to be, distributed no later than as follows:
(A)    If his surviving spouse is his sole designated beneficiary, then except as provided in (D) below, distributions to the surviving spouse will begin by December 31 of the calendar year immediately following the calendar year in which he died, or by December 31 of the calendar year in which he would have attained age 701⁄2, if later.
(B)    If his surviving spouse is not his sole designated beneficiary, distributions to the designated beneficiary will begin by December 31 of the calendar year immediately following the calendar year in which he died.
(C)    If there is no designated beneficiary as of the date of his death who remains a beneficiary as of September 30 of the year following the year of his death, his entire interest will be distributed by December 31 of the calendar year containing the fifth anniversary of his death.
(D)    If his surviving spouse is his sole designated beneficiary and the surviving spouse dies after him but before distributions to the surviving spouse begin, 

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this paragraph (3), other than subparagraph (A), will apply as if the surviving spouse were the Participant.
For purposes of this subsection (c)(3) and subsection (e), unless subparagraph (D) above applies, distributions are considered to begin on his required beginning date.  If distributions under an annuity purchased from any insurance company irrevocably commence to him before his required beginning date (or to his surviving spouse before the date distributions are required to begin under subparagraph (A)), the date distributions are considered to begin is the date distributions actually commence.
(4)    Unless his interest is distributed in the form of an annuity purchased from an insurance company or in a single sum on or before the required beginning date, as of the first distribution calendar year distributions will be made in accordance with subsections (d) and (e) of this Section 5.8.  If his interest is distributed in the form of an annuity purchased from an insurance company, distributions thereunder will be made in accordance with the requirements of Code Section 401(a)(9) and Regulations thereunder.
(d)    (1)  During the Participant’s lifetime, the minimum amount that will be distributed for each distribution calendar year is the lesser of:
(A)    the quotient obtained by dividing his account balance by the distribution period in the Uniform Lifetime Table in Regulation §1.401(a)(9)-9, using his age as of his birthday in the distribution calendar year; or
(B)    if his sole designated beneficiary for the distribution calendar year is his spouse, the quotient obtained by dividing his account balance by the number in the Joint and Last Survivor Table in Regulation §1.401(a)(9)-9, using their attained ages as of their birthdays in the distribution calendar year.
(2)    Required minimum distributions will be determined under this subsection (d) beginning with the first distribution calendar year and up to and including the distribution calendar year that includes the date of his death.
		
	(e)
	(1)    (A)    If the Participant dies on or after the date required distributions begin and there is a designated beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of his death is the quotient obtained 

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by dividing his account balance by the longer of his remaining life expectancy or the remaining life expectancy of his designated beneficiary, determined as follows:
		
	(i)
	His remaining life expectancy is calculated using his age in the year of death, reduced by one for each subsequent year.

		
	(ii)
	If his surviving spouse is his sole designated beneficiary, the remaining life expectancy of the surviving spouse is calculated for each distribution calendar year after the year of his death using the surviving spouse’s age as of the spouse’s birthday in that year.  For distribution calendar years after the year of the surviving spouse’s death, the remaining life expectancy of the surviving spouse is calculated using the age of the surviving spouse as of the spouse’s birthday in the calendar year of the spouse’s death, reduced by one for each subsequent calendar year.

		
	(iii)
	If his surviving spouse is not his sole designated beneficiary, the designated beneficiary’s remaining life expectancy is calculated using the age of the beneficiary in the year following the year of his death, reduced by one for each subsequent year.

(B)    If the Participant dies on or after the date required distributions begin and there is no designated beneficiary as of his death who remains a beneficiary as of September 30 of the year after the year of his death, the minimum amount that will be distributed for each distribution calendar year after the year of his death is the quotient obtained by dividing his account balance by his remaining life expectancy calculated using his age in the year of death, reduced by one for each subsequent year.
		
	(2)
	(A)    Except as provided in subsection (c)(4), if the Participant dies before the date required distributions begin and there is a designated beneficiary, the minimum amount that will be distributed for each distribution calendar year after the year of his death is the quotient obtained by dividing his account 

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balance by the remaining life expectancy of his designated beneficiary, as determined under subsection (e)(1).
(B)    If he dies before the date required distributions begin and there is no designated beneficiary as of his death who remains a beneficiary as of September 30 of the year following the year of his death, distribution of his entire interest will be completed by December 31 of the calendar year containing the fifth anniversary of his death.
(C)    If he dies before the date required distributions begin, his surviving spouse is his sole designated beneficiary, and the surviving spouse dies before distributions are required to begin to the surviving spouse under subsection (c)(2)(A), this subsection (e)(2) will apply as if the surviving spouse were the Participant.
(f)    Notwithstanding Sections 5.8(c) – (e), a Participant or Beneficiary who would have been required to receive required minimum distributions for 2009 but for the enactment of Code Section 401(a)(9)(H) (“2009 RMDs”), and who would have satisfied that requirement by receiving distributions that are (1) equal to the 2009 RMDs or (2) one or more payments in a series of substantially equal distributions (that include the 2009 RMDs) made at least annually and expected to last for the life (or life expectancy) of the Participant, the joint lives (or joint life expectancy) of the Participant and the Participant’s designated Beneficiary, or for a period of at least 10 years (“Extended 2009 RMDs”), will receive those distributions for 2009 unless the Participant or Beneficiary chooses not to receive such distributions.  Participants and Beneficiaries described in the preceding sentence will be given the opportunity to elect to stop receiving the distributions described in the preceding sentence.  Further, and notwithstanding Section 5.9(b)(1), for purposes of the direct rollover provisions of Section 5.9, 2009 RMDs and Extended 2009 RMDs (both as defined above) also will be treated as eligible rollover distributions in 2009.
(g)    For purposes of this Section 5.8, the following words and phrases shall have the meanings indicated:

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(1)    Designated beneficiary – The individual who is designated as the Beneficiary under Section 2.3 of the Plan and who is a designated beneficiary under Code Section 401(a)(9) and Regulation §1.401(a)(9)-1, Q&A 4.
(2)    Distribution calendar year – A calendar year for which a minimum distribution is required.  For distributions beginning before the Participant’s death, the first distribution calendar year is the calendar year immediately preceding the calendar year that contains his required beginning date.  For distributions beginning after his death, the first distribution calendar year is the calendar year in which distributions are required to begin pursuant to subsection (c)(3).  The required minimum distribution for his first distribution calendar year will be made on or before his required beginning date.  The required minimum distribution for other distribution calendar years, including the required minimum distribution for the distribution calendar year in which his required beginning date occurs, will be made on or before December 31 of that distribution calendar year.
(3)    Life expectancy – Life expectancy as computed by use of one of the following tables, as appropriate:  (i) Single Life Table, (ii) Uniform Life Table, or (iii) Joint and Last Survivor Table, found in Regulation §1.401(a)(9)-9.
(4)    Account balance – The account balance as of the last Valuation Date in the calendar year immediately preceding the distribution calendar year (valuation calendar year) increased by the amount of any contributions made and allocated or forfeitures allocated to the account balance as of dates in the valuation calendar year after the Valuation Date and decreased by distributions made in the valuation calendar year after the Valuation Date.  The account balance for the valuation calendar year includes any amounts rolled over or transferred to the Plan either in the valuation calendar year or in the distribution calendar year if distributed or transferred in the valuation calendar year.
(5)    Required beginning date – April 1 of the calendar year following the later of the calendar year in which the Participant attains age 701⁄2 or retires, except in the case of a Participant who is a 5% owner in which case it is April 1 of the calendar year following the calendar year in which he attains age 701⁄2.
(6)    5% owner – A Participant is treated as a 5% owner for purposes of this Section if he is a 5% owner as defined in Code Section 416 at any time during the Plan Year ending 

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with or within the calendar year in which he attains age 701⁄2.  Once required distributions have begun to a 5% owner under this Section, they must continue to be distributed, even if he ceases to be a 5% owner in a subsequent year.
5.9    Direct Rollovers
(a)    Notwithstanding any provision of the Plan to the contrary that would otherwise limit a distributee’s election under this Section, a distributee may elect, at the time and in the manner prescribed by the Plan Administrator, to have any portion of an eligible rollover distribution paid in a direct rollover directly to an eligible retirement plan specified by the distributee.  For purposes of this Section, the following terms have the meanings below:
(b)    (1)  An “eligible rollover distribution” is any distribution of all or any portion of the balance to the credit of the distributee, except that an eligible rollover distribution does not include:  (i) any distribution that is one of a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the distributee or the joint lives (or joint life expectancies) of the distributee and the distributee’s designated beneficiary, or for a specified period of ten years or more; (ii) any distribution to the extent such distribution is required under Code Section 401(a)(9); (iii) a hardship distribution; (iv) a corrective distribution pursuant to Sections 4.1, 4.2, 4.3 or 4.7(b)(2); (v) a deemed distribution resulting from a defaulted loan under Section 6.1 that is not also an offset distribution; (vi) any distribution that is reasonably expected to total less than $200 during a calendar year; (vii) the portion of any distribution that is not includible in gross income (determined without regard to the exclusion for net unrealized appreciation with respect to employer securities); (viii) dividends on Quest Diagnostics Common Stock paid directly to a Participant pursuant to an election under Section 6.4; and (ix) any other distributions described in Regulation §1.402(c)-2.  A portion of a distribution shall not fail to be an eligible rollover distribution merely because the portion consists of after-tax employee contributions which are not includible in gross income.  However, such portion may be transferred only to an individual retirement account or annuity described in Code Sections 408(a) or (b), or to a qualified defined contribution plan described in Code Sections 401(a) or 403(b) that agrees to account separately for amounts so transferred, including accounting separately for the portion of such distribution which is includible in gross income and the portion of such 

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distribution which is not so includible.  An “eligible rollover distribution” also includes a distribution to a non-spouse Beneficiary designated by a Participant in accordance with Section 2.3, provided the distribution otherwise qualifies as an eligible rollover distribution hereunder and the distribution is made to an eligible retirement plan.
(2)    An “eligible retirement plan” is an individual retirement account described in Code Section 408(a), an individual retirement annuity described in Code Section 408(b), an annuity plan described in Code Section 403(a), an annuity contract described in Code Section 403(b), a qualified trust described in Code Section 401(a) or an eligible plan under Code Section 457(b) maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state and which agrees to account separately for amounts transferred into such plan from this Plan.  The definition of eligible retirement plan also shall apply in the case of a distribution to a surviving spouse, or to a spouse or former spouse who is the alternate payee under a qualified domestic relations order as defined in Code Section 414(p).
(A)    An “eligible retirement plan” for a distributee who is a designated beneficiary (as defined by Code Section 401(a)(9)(E)) of the Participant and who is not the surviving spouse of the Participant is an individual retirement account described in Code Section 408(a) or an individual retirement annuity described in Code Section 408(b) that will be treated as an inherited IRA pursuant to Code Section 402(c)(11).
(B)    For eligible rollover distributions made by a non-spouse designated beneficiary, an “eligible retirement plan” also includes a Roth IRA as described in Code Section 408A.  A non-spouse designated beneficiary, other than a former spouse who is an alternate payee under a qualified domestic relations order, cannot elect to treat the Roth IRA as the beneficiary’s own.
(3)    A “distributee” includes an Employee or former Employee.  In addition, the Employee’s or former Employee’s surviving spouse and the Employee’s or former Employee’s spouse or former spouse who is the alternate payee under a qualified domestic relations order, as defined in Code Section 414(p), are distributees with regard to the interest of the spouse or former spouse.  A distributee also includes an individual who is a designated 

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beneficiary (as defined by Code Section 401(a)(9)(E)) of the Participant and who is not the surviving spouse of the Participant.  For these purposes, to the extent provided in Regulations, a trust maintained for the benefit of one or more designated beneficiaries will be treated in the same manner as a designated beneficiary.
(4)    A “direct rollover” is a payment by the Plan to the eligible retirement plan specified by the distributee.
(5)    The Plan Administrator will adopt procedures for elections made pursuant to this Section.  Within a reasonable period of time before payment of an eligible rollover distribution, the Plan Administrator will provide a notice to the distributee describing his rights under this Section and such other information as may be required under Code Section 402(f).
(6)    This Section is intended to comply with Code Section 401(a)(31) and will be interpreted in accordance with such Code Section and Regulations thereunder.
5.10    Payment to Alternate Payee under QDRO
(a)    Notwithstanding any other provision of this Plan, if the Plan Administrator determines that a domestic relations order is a QDRO, unless the QDRO specifically provides otherwise, the alternate payee specified in the QDRO may elect, through an Appropriate Request, to receive a distribution of the amount assigned to him in the QDRO in accordance with Section 5.6(a).  The Plan Administrator shall direct the Trustee to distribute to the alternate payee such amount as soon as administratively feasible following receipt of an Appropriate Request by the alternate payee.  The Plan Administrator’s decision whether a domestic relations order is a QDRO is final and conclusive.  An alternate payee for whom an Account is established under the Plan shall be considered a Participant for purposes of specifying Investment Options for his Account, making an election under Section 6.4, designating a Beneficiary for his Account and charging expenses to his Account, but shall not be eligible to have contributions made on his behalf except as may become necessary under Section 3.11.
(b)    Notwithstanding any other provision of the Plan, upon receipt of an executed QDRO, upon receipt of a joinder that references the Plan, or upon direction provided to the Plan’s recordkeeper by the Plan Administrator, the Plan’s recordkeeper shall place a disbursement restriction upon the Participant’s Account.  The scope and duration of such disbursement restriction 

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shall be determined by procedures adopted by the Plan Administrator and applied in a uniform and nondiscriminatory manner.
(c)    An administrative charge, in an amount determined by the Plan Administrator, may be imposed on the Account of a Participant who is subject to a domestic relations order and on the separate Account, if any, established on behalf of the alternate payee specified in the order.  Such charges shall be imposed pursuant to procedures adopted by the Plan Administrator and applied in a uniform and nondiscriminatory manner.
5.11    Voluntary Direct Transfers
A Participant whose employment status has changed, e.g., through transfer to an Affiliate that is not an Employer, so that he no longer is an Eligible Employee and who is not expected to regain such eligibility in the foreseeable future, is deemed to have requested a distribution of his Account prior to his Severance from Service Date unless he affirmatively elects to the contrary.  Such Account may be distributed only through transfer to another cash or deferred arrangement under Code Section 401(k) maintained by the Employer or an Affiliate under which the Participant currently is, or soon will be, eligible to participate.  The provisions of Section 5.5(g) shall apply to the vesting schedule of such transferee plan as if an amendment to the vesting schedule of this Plan.  Payments made pursuant to this Section shall operate as a complete discharge of the Trustee, the Committee, the Plan Administrator and the Trust Fund in respect to this Plan.
5.12    Restrictions on Certain Distributions
(a)    Amounts credited to a Participant’s Account attributable to Regular or Catch-up Pre-Tax Contributions or Employer Matching Contributions are not distributable prior to the earliest of the following events or other events permitted by the Code or applicable Regulations:
(1)    his “severance from employment,” as such term is defined under Code Section 401(k)(2)(B)(i)(I) (regardless of when the severance from employment occurred), Total and Permanent Disability or death;
(2)    his attainment of age 591⁄2;
(3)    his proven financial hardship under Section 6.2; or
(4)    the termination of the Plan without the establishment or maintenance by the Employer or an Affiliate of an alternative defined contribution plan as defined in Regulation 

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§1.401(k)-1(d)((4)(i).  A distribution that is made under this subparagraph (4) must be made in a lump-sum.
(b)    Notwithstanding any provision of this Plan to the contrary, to the extent that any optional form of benefit under this Plan permits a distribution prior to the Participant’s retirement, death, Total and Permanent Disability or Severance from Service Date and prior to Plan termination, the optional form of benefit is not available with respect to benefits attributable to assets (including the post-transfer earnings thereon) and liabilities that are transferred, within the meaning of Code Section 414(l), to this Plan from a money purchase pension plan or a defined benefit plan qualified under Code Section 401(a) (other than any portion of those assets and liabilities attributable to after-tax voluntary Employee contributions or to a direct or indirect rollover contribution).
(c)    Nothing in this Section shall preclude the Plan Administrator from making a distribution to a Participant to the extent such distribution is determined by the Plan Administrator to be necessary to correct a qualification defect in accordance with the corrective procedures permissible under the EPCRS or any other voluntary compliance program.

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ARTICLE VI     
LOANS AND WITHDRAWALS
6.1    Loans to Participants    
A Participant who is a “party in interest” as defined in ERISA Section 3(14) may, by making an Appropriate Request, request a loan from the Trust Fund.  The following additional rules shall apply:
(a)    Loans shall be made available to all eligible Participants on a reasonably equivalent basis; provided that the Plan Administrator shall retain the power to approve or decline a loan and may make reasonable distinctions based upon creditworthiness, other obligations of the Participant, state laws affecting payroll deductions and any other factors that may adversely affect the Employer’s ability to deduct loan repayments from a Participant’s pay.
(b)    Except with respect to pre-existing loans transferred to or merged into this Plan under subsection (k), a Participant may have only one (1) loan outstanding at any time.  For purposes of this subsection (b), a loan that is in default under subsection (e) is treated as outstanding.  There must be a minimum of seven (7) days between the payoff of one Plan loan and the issuance of a new loan provided that, effective November 15, 2012, the seven-day restriction may be waived under procedures established by the Plan Administrator.
(c)    The minimum new loan amount shall be $1,000.  If a Participant’s vested Account balance is insufficient to support the minimum loan amount loan because of the restrictions below, no loan shall be made.  The maximum amount of any loan, when added to the outstanding balance of any existing loan from this Plan, shall be the lesser of (1) or (2):
(1)    $50,000, reduced by the excess of the highest outstanding balance of loans from the Plan during the one-year period ending on the day before the date the loan is made over the outstanding balance of loans from the Plan on the date the loan is made; or
(2)    One-half (1⁄2) of the value (as determined under Section 4.2) of the vested portion of the Participant’s Account on the date the loan is made.
For purposes of this limit, all plans of the Employer and its Affiliates shall be considered one plan.  For purposes of this subsection (c), a loan that is in default under this Plan or another 

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plan is treated as an outstanding loan, and interest accrued on such loan since it was deemed in default is considered part of the outstanding balance of such loan.
(d)    The Participant must agree in writing to pledge one-half (1⁄2) of the value (or, if lesser, the borrowed amount) of the vested portion of his Account in the Plan as security for the loan.  All loans shall be repayable in substantially level payments of principal and interest, not less frequently than quarterly, over a period of not more than five (5) years, except that a loan used by the Participant to acquire or construct any dwelling unit which within a reasonable time is to be used (determined at the time the loan is made) as a principal residence of the Participant shall be repayable over a period of not more than ten (10) years.  Notwithstanding the preceding provisions, loan repayments during a period of Qualified Military Service will be suspended under this Plan as permitted under Code Section 414(u)(4).
(e)    Any loans shall be made pursuant to a written Participant loan program contained in a separate written document, which is hereby incorporated by reference and made a part of the Plan.  Such Participant loan program may be modified or amended in writing from time to time by the Plan Administrator without the necessity of amending this Section.  Such loan program will include, but need not be limited to, the following:
(1)    the identity of the person or positions authorized to administer the Participant loan program;
(2)    the procedure for applying for loans;
(3)    the basis on which loans will be approved or denied;
(4)    limitations, if any, on the types and amounts of loans offered;
(5)    the procedure for determining a reasonable rate of interest;
(6)    the procedure for repayment of the loan, e.g., under what circumstances repayment by payroll deduction is not required and whether prepayment (full or partial) is permitted; 
(7)    the treatment of loans during leaves of absence and upon termination of employment; and
(8)    the events constituting default and the steps that will be taken to preserve Plan assets.

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(f)    The amount of the loan shall be withdrawn from the investments in his Account in accordance with such procedures as the Plan Administrator shall determine.  Payments of principal and interest against a loan shall be credited to the investments in his Account in accordance with such procedures as the Plan Administrator shall determine.
(g)    Notwithstanding anything in this Plan to the contrary, if a Participant defaults on a loan made pursuant to this Section, the loan default will be a distributable event to the extent permitted by the Code and Regulations.
(h)    The Plan Administrator shall apply the provisions of this Section in a uniform and nondiscriminatory manner that is not inconsistent with Regulations §2550.408b-1.
(i)    A married Participant with a part of his vested Account attributable to the QJSA Portion (as described in Appendix D) may not make a loan under this Section 6.1 from such part unless, during the 180-day period ending on the date on which the loan is secured, his spouse has filed a written consent to such loan with the Plan Administrator, which consent shall be notarized or witnessed by a representative of the Plan Administrator, and shall acknowledge the effect of the loan.  In the absence of spousal consent, such part of his vested Account shall be disregarded for purposes of subsection (c)(2).
(j)    Notwithstanding anything in this Section to the contrary, loans made prior to January 1, 2012 shall be subject to the terms of the Plan (or the Prior Plan) and the loan program in effect at the time such loan was made.  
(k)    In the event of a corporate transaction in connection with which there is a facilitated mass rollover of the accounts of participants in the plan of the former employer into this Plan, participant loans from the predecessor plan that meet the administrative requirements of the Trustee can be included in such rollover.  Pre-existing loans rolled over to or merged into this Plan shall remain subject to their terms at the time of such rollover or merger except to the extent reamortization occurs, as determined by the Plan Administrator, due to a suspension in repayments during the pendency of the rollover or merger, a change in payroll frequency or similar circumstance.  Any such rolled-over loans will not be subject to any limitations on loans imposed by this Plan but not required by law, but will be considered in determining whether the participant can take a subsequent loan from this Plan.

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(l)    Notwithstanding the preceding provisions of this Section, loans may not be made to the extent a disbursement restriction is in effect under Section 5.10(b).
6.2    Hardship Withdrawals    
(a)    Upon making an Appropriate Request, and with the approval of the Plan Administrator, a Participant shall be allowed to withdraw all or part of the value of his Account while still employed by the Employer.  Withdrawn amounts may not be repaid to the Trust Fund.  Withdrawals shall be charged against the available sub-accounts within the Account in such order as the Plan Administrator may determine.  Within each sub-account, withdrawals shall be charged against the separate Investment Options under such procedures as the Plan Administrator may determine.
(b)    A Participant may make a withdrawal under this Section 6.2 only if the withdrawal is made on account of his immediate and heavy financial need, as determined under subsection (c)(1), and is necessary to satisfy such need, as determined under subsection (c)(2).  The determination of the existence of financial hardship and the amount necessary to be withdrawn to satisfy the immediate financial need created by the hardship shall be made by the Plan Administrator in a uniform and nondiscriminatory manner, in accordance with the standards and restrictions set forth in subsection (c).  A Participant requesting a withdrawal hereunder may be required to submit whatever documentation the Plan Administrator, in its sole discretion, deems necessary to establish the existence of a financial hardship and the amount necessary to be withdrawn to satisfy the need created by the hardship.
(c)    (1)    Immediate and heavy financial need.  A withdrawal will be considered to be made on account of an immediate and heavy financial need of the Participant for purposes of subsection (b) only if it is for:
(A)    Expenses of him, his spouse, children or dependents (as defined in Code Section 152 without regard to Code Sections 152(b)(1), (b)(2) and (d)1)(B)) for (or necessary to obtain) medical care that would be deductible under Code Section 213(d) (determined without regard to whether the expenses exceed 7.5% of adjusted gross income);

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(B)    Costs directly related to the purchase or construction of his principal residence (excluding mortgage payments);
(C)    Payment of tuition, related educational fees and room and board expenses for up to the next twelve (12) months of post-secondary education for him, his spouse, children, or dependents (as defined in Code Section 152 without regard to Code Sections 152(b)(1), (b)(2) and (d)1)(B));
(D)    Payments necessary to prevent his eviction from his principal residence or foreclosure on the mortgage of his principal residence;
(E)    Payments for burial or funeral expenses for his deceased parent, spouse, children, or dependents (as defined in Code Section 152 without regard to Code Section 152(d)(1)(B)); or
(F)    Expenses for the repair of damage to his principal residence that would qualify for the casualty deduction under Code Section 165 (determined without regard to whether the loss exceeds 10% of his adjusted gross income).
(2)    Amount necessary to satisfy the need.  A withdrawal will be considered to be in an amount necessary to satisfy a Participant’s need under paragraph (1) for purposes of subsection (b) only if:
(A)    It does not exceed the amount of the need under paragraph (1);
(B)    He has obtained all non-hardship distributions and non-taxable loans he is eligible for, and is able to provide collateral for, under any plan the Employer or an Affiliate may sponsor (including this Plan);
(C)    He may not make any Employee Pre-Tax Contributions under Section 3.1 for a period of six (6) months after his withdrawal, nor may he make any other elective contributions to any plan of the Employer or an Affiliate as described in Regulation §1.401(k)-1(d)(2)(iv)(B)(4);
(D)    Notwithstanding subparagraphs (A) – (C), his withdrawal may be considered to be in an amount necessary to satisfy a need under paragraph (1) if it satisfies a method prescribed under Regulation §1.401(k)-1(d)(2)(iv)(C); and
(E)    A Participant may make a hardship withdrawal under subsections (c)(1)(A), (C) and (E) as it relates to his “primary Beneficiary” in the same manner as 

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a hardship withdrawal for a spouse or other dependent if such hardship withdrawal satisfies all the requirements of this Section.  For this purpose, a “primary Beneficiary” is an individual named as a Beneficiary who has an unconditional right to all or a portion of the Participant’s Account upon his death.
(d)    In addition to the amount necessary to meet the immediate financial need created by the hardship, the Participant also may withdraw an amount necessary to pay any federal, state or local income taxes or penalties reasonably anticipated to result from the distribution.
(e)    A Participant who has requested a hardship withdrawal and who has any portion of his Account invested in the Quest Diagnostics Incorporated Stock Fund shall be subject to restrictions on his election under Section 6.4 to the extent so provided in Section 6.4(a).
(f)    Notwithstanding the preceding provisions of this Section, a hardship withdrawal may not be made from the QJSA Portion (as described in Appendix D), qualified matching or safe harbor matching contributions, qualified non-elective contributions or, with respect to sub-accounts arising from employee pre-tax contributions, earnings thereon allocated to such sub-accounts as of a date after December 31, 1988, nor to the extent a disbursement restriction is in effect under Section 5.10(b).
6.3    Non-Hardship Withdrawals    
(a)    Effective the later of January 1, 2013 or such time as the Plan Administrator announces the availability of this provision, a Participant who remains employed by an Employer or an Affiliate after attaining the later of age 62 or his Normal Retirement Age may elect to receive distribution of all or any part of his Account in the form provided under Article V (or Appendix D, if applicable) at any time following attainment of such age.
(b)    A Participant who is employed by an Employer or an Affiliate and who has attained age 591⁄2 may elect to make a cash withdrawal from his vested Account, other than from his QJSA Portion (as described in Appendix D).
(c)    In addition to the withdrawals available under Section 6.2, but no more than once in any 12-month period, a Participant shall be allowed to withdraw all or part of the value of his Employee After-Tax Sub-Account for any reason.  

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(d)    Any withdrawal elected pursuant to this Section 6.3 shall be made through an Appropriate Request, and shall be paid as soon as administratively feasible following receipt of the Appropriate Request.  Withdrawn amounts may not be repaid to the Trust Fund.
(e)    Withdrawals shall be charged against the available sub-accounts within the Account in such order as the Plan Administrator shall determine.  Within each sub-account, withdrawals shall be charged against the separate Investment Options under such procedures as the Plan Administrator may determine.
(f)    Certain Merged Plans specified in Appendix B and the Prior Plan are subject to additional rules contained in Appendix B.
(g)    Notwithstanding the preceding provisions of this Section, non-hardship withdrawals may not be made to the extent a disbursement restriction is in effect under Section 5.10(b).
6.4    Withdrawal of Dividends on Quest Common Stock    
(a)    Under procedures established by the Plan Administrator, a Participant may elect:
(1)    to receive a direct payment of any cash dividends on Quest Diagnostics Common Stock otherwise allocable to his Account; or
(2)    to have such cash dividends reinvested and allocated to his Account.
A Participant who does not have in effect an election under subsection (a)(1) will be deemed to have elected reinvestment under subsection (a)(2).  A Participant who does not have in effect an election under subsection (a)(1) and who has made an election under Article V:  (i) to receive a lump sum distribution of his Account which is made after the “ex-dividend” date (e.g., three (3) business days prior to the record date); or (ii) to commence receiving distribution of his Account which is pending during the ten (10) business day period (or such other period as the Plan Administrator may determine) prior to the dividend payment date, will be deemed to have elected reinvestment under subsection (a)(2) with respect to:  (i) his dividend rights as of the record date or (ii) the portion of his Account which has not been distributed prior to the dividend payment date, respectively.  If a Participant has made a request for a hardship withdrawal pursuant to Section 6.2 which is pending during the ten (10) business day period (or such other period as the Plan Administrator may determine) prior to the dividend payment date or has a hardship withdrawal approved during such period (or such other period as the Plan Administrator may determine), he 

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will be deemed to have elected a direct cash payment under subsection (a)(1)for that quarterly dividend payment.  Such cash payment will be considered in determining the amount of any hardship distribution, and such Participant’s election with respect to future cash dividend payments will revert to his prior election unless changed in accordance with this Section 6.4.
In no event shall any distribution of cash dividends on Quest Diagnostics Common Stock paid into the Trust Fund be made pursuant to this Section 6.4 later than 90 days following the end of the Plan Year in which such dividends were paid into the Trust Fund.
Stock dividends on Quest Diagnostics Common Stock shall be reinvested in the Quest Diagnostics Incorporated Stock Fund.
(b)    An election to receive direct payment of dividends under Section 6.4(a)(1) made not later than ten (10) business days (or such other period as the Plan Administrator may determine) prior to a dividend payment date will be effective as of that dividend payment date; otherwise the election will be effective only as to subsequent dividend payment dates.  Except as provided in subsection (e) below, the dividends with respect to which he may elect a direct payment under Section 6.4(a)(1) are 100% of the cash dividends on shares of Quest Diagnostics Common Stock in the Quest Diagnostics Incorporated Stock Fund and allocated to his Account as of the record date for the dividend (which, for Plan purposes, shall be determined on the “ex-dividend date”), provided that the total cash dividend that would be payable if he elected a direct payment of 100% of dividends subject to his election must equal or exceed a de minimis amount.  The initial de minimis amount is $10 and may be increased in the discretion of the Plan Administrator.  For purposes of this Section 6.4, “business days” do not include holidays or weekend days.
(c)    Any election under this Section 6.4 shall continue in effect until revoked prospectively by the Participant.  Any such election or revocation shall be made at such time and in such manner as the Plan Administrator shall specify.
(d)    Notwithstanding subsections (b) and (c), under subsection (a) a Participant’s election may be revoked in connection with his request for a hardship distribution under Section 6.2, and a Participant’s election also may be revoked if necessary under the Plan’s domestic relations order procedures as described in Section 5.10(b).

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(e)    If, with respect to cash dividends declared on shares of Quest Diagnostics Common Stock, Quest Diagnostics authorizes the direct payment under Section 6.4(a)(1) of less than 100% of such dividends, a Participant may elect, in accordance with procedures established by the Plan Administrator, a direct payment under this Section 6.4 of such percentage.
(f)    Any dividend payment check that is not promptly cashed shall be treated in accordance with Section 12.9.
(g)    This Section 6.4 is intended to comply with the requirements of Code Section 404(k) and shall be administered and interpreted accordingly.
6.5    Vesting of Certain Dividends on Quest Common Stock     
(a)    Cash dividends on Quest Diagnostics Common Stock that are received on the part of a Participant’s Account other than the QJSA Portion (as described in Appendix D) that is not fully vested, and that is allocated to the Quest Diagnostics Incorporated Stock Fund, shall be directed to the Vested Quest Diagnostics Common Stock Dividend Sub-Account when received by the Trust Fund and shall be 100% vested upon receipt.
(b)    Cash dividends on Quest Diagnostics Common Stock that are received on the part of a Participant’s QJSA Portion (as described in Appendix D) that is not fully vested, and that is allocated to the Quest Diagnostics Incorporated Stock Fund, shall be directed to the Vested Money Purchase Pension Plan Dividend Sub-Account when received by the Trust Fund and shall be 100% vested upon receipt.
6.6    Qualified Reservist Distribution
Upon making an Appropriate Request, a Participant who is a member of a reserve component or is ordered or called to active duty for a period in excess of 179 days or an indefinite period may withdraw all or part of the value of his Employee Pre-Tax Contributions sub-accounts.  A Participant in Qualified Military Service for a period of more than 30 days shall be deemed to have incurred a severance from employment under Code Section 401(k)(2)(B)(i)(I) and may elect to receive a distribution from the Plan on account of such severance from employment.  A distribution under this Section must be made during the period beginning on the date of such order or call and ending no later than the close of the period of active duty.

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ARTICLE VII     
TRUST FUND
7.1    Contributions
Contributions by the Employers and Participants as provided for in Article III shall be paid to the Trustee.  All Contributions shall be irrevocable, except as provided in Section 12.5 of this Plan, and may be used only for the exclusive benefit of Participants and their Beneficiaries or for the payment of reasonable expenses of administering the Plan.
7.2    Trustee    
(a)    Quest Diagnostics will maintain a Trust Agreement with the Trustee establishing the Trust Fund under the Plan.  The Trustee is subject to directions made in accordance with the terms of the Trust Agreement, the Plan and ERISA.  No Plan fiduciary, other than the Trustee itself, shall be liable for any act or omission of any Trustee with respect to any duties allocated or delegated to such Trustee.  
(b)    Except to the extent provided in the Trust Agreement, the Trustee shall have no authority to manage the Trust Fund.  Participants shall be able to direct the investment of amounts credited to their Accounts and future contributions to their Accounts among the Investment Options then available in accordance with Section 7.4.
(c)    Upon the direction of the Committee, the Trustee shall maintain all or any part of the Trust Fund in a master trust along with assets of any other tax-qualified employee pension benefit trust sponsored by Quest Diagnostics or an Affiliate.  Pursuant to such a master trust agreement, the Trustee shall commingle such assets and make joint or common investments and carry joint accounts on behalf of this Plan and such other trust or trusts, allocating undivided shares or interests in such investments or accounts or any pooled assets of the two or more trusts in accordance with their respective interests, provided that the Trustee also shall maintain records of the separate interests of each such trust participating in the master trust.
7.3    Investment Options    
(a)    Subject to Section 7.3(b), the Investment Committee has been delegated the authority to select and monitor the Investment Options available for Participant direction under Section 7.4.  An Investment Option may consist of:

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(1)    an interest or interests in registered regulated investment companies (“mutual funds”) that are independent of, or proprietary to, the Trustee or its affiliates;
(2)    an interest or interests in a group, common or collective trust maintained for the collective investment of employee benefit plans qualified under Code Section 401(a) that is independent of, or proprietary to, the Trustee or its affiliates.  If a group, common or collective investment fund or trust maintained by the Trustee (or other person) that may be invested in by a plan and trust qualified under Code Sections 401(a) and 501(a) is so used, the governing provisions of such fund or trust shall be incorporated by reference to the extent required by applicable law; or
(3)    such other investment vehicles as the Investment Committee may from time to time determine.
(b)    Notwithstanding anything in subsection (a) to the contrary, one of the Investment Options shall be the Quest Diagnostics Incorporated Stock Fund, which will be invested (except as may be required for liquidity) in Quest Diagnostics Common Stock and will be administered on a unit accounting basis.  In the event of any cash or stock dividend, stock split or recapitalization with respect to Quest Diagnostics Common Stock, such dividend, split or recapitalization shall be allocated to Accounts based on the number of shares of Quest Diagnostics Common Stock credited to the units held by each Account as of the record date of such dividend, split or recapitalization.  
7.4    Investment Direction by Participants    
(a)    Participants shall be able to direct the investment of all amounts credited to their Accounts among the Investment Options then available in accordance with such administrative rules and procedures as the Plan Administrator or the recordkeeper may establish from time to time.  It is intended that the Plan meet the requirements of ERISA Section 404(c) and that it be construed, maintained and administered as an “ERISA Section 404(c) plan” within the meaning of Regulation §2550.404c–1(b)(1).  Subject to subsection (d), a Participant’s investment directions shall remain in effect until changed by him.  Transfers between Investment Options shall be subject to any restrictions imposed by the Investment Options.  No portion of a Participant’s Account is required to be maintained in the Quest Diagnostics Incorporated Stock Fund.  Participant directions with respect to the Quest Diagnostics Incorporated Stock Fund are subject to Quest Diagnostics’ securities law compliance policy.

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(b)    In the absence of a valid Investment Option election, a Participant’s Account automatically shall be invested in the applicable default Investment Option specified by the Investment Committee.  It is intended that such default Investment Option be a “qualified default investment alternative” in compliance with ERISA Section 404(c)(5).  
(c)    A loan under Section 6.1 is considered a self-directed investment by the borrower of the portion of his Account that is invested in the note reflecting such loan that he executed in accordance with the provisions of Section 6.1.  Notwithstanding any other provision of the Plan to the contrary, no Account other than the borrower’s Account shall share in the interest paid on the loan or bear any expense or loss incurred because of the loan.
(d)    A Participant may not elect to have more than twenty-five percent (25%) of Contributions on his behalf each pay period allocated to the Quest Diagnostics Incorporated Stock Fund; provided, however, that if twenty-five percent (25%) or more of the value of a Participant’s Account is invested in the Quest Diagnostics Incorporated Stock Fund, his direction to invest additional amounts into the Quest Diagnostics Incorporated Stock Fund will not be honored until his investment in the Quest Diagnostics Incorporated Stock Fund comprises less than twenty-five percent (25%) of the value of his Account.  Notwithstanding the preceding sentence of this subsection (d), if any Employer Matching or Employer Discretionary Contributions are made in Quest Diagnostics Common Stock, that portion shall be invested in the Quest Diagnostics Incorporated Stock Fund without regard to the 25% limitation.
7.5    Transactional and other Fees and Expenses of Plan and Trust    
(a)    The Plan Administrator may provide that any transactional fees (e.g., charges for the acquisition, sale or exchange of assets, brokerage commissions and service charges) imposed or incurred with respect to an Investment Option as a result of Participant directions shall be charged to the Accounts of the Participants directing such investments.  Other fees that may be charged to a Participant’s Account include, but are not limited to, fees associated with a loan under Section 6.1 and fees associated with a QDRO determination.
(b)    All other expenses of administering the Plan and the Trust Fund, including expenses of the Committee or the Trustee and direct expenses of the Plan Administrator, shall be paid from the Trust Fund, provided that such expenses (or a portion thereof) may, in the discretion of Quest 

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Diagnostics, be paid by the Employers.  If the Employers do not pay any such expenses, the expenses shall be paid from the Trust Fund. 

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ARTICLE VIII     
PLAN ADMINISTRATION
8.1    General
A person may serve in more than one fiduciary capacity with respect to the Plan and may employ one or more persons to render advice with regard to his fiduciary responsibilities.  If a person is serving as a fiduciary without compensation, all proper expenses incurred by such person in such service shall be reimbursed from the assets of the Trust Fund unless paid by the Employers.  A Plan fiduciary shall have only those specific powers, duties, responsibilities and obligations explicitly allocated to such person under the Plan and the Trust Agreement.
8.2    Quest Diagnostics
(a)    Quest Diagnostics established and maintains the Plan for the benefit of its Eligible Employees and those of the other Employers.  Quest Diagnostics is the “plan sponsor” (as such term is defined in ERISA Section 3(16)(B)).  Quest Diagnostics also is the “Plan Administrator” and the “administrator” of the Plan (as such term is defined in ERISA Section 3(16)(A) and Code Section 414(g)) but, in its capacity as Plan Administrator, will have no duties and responsibilities which may be considered administrative in nature but which involve an exercise of discretion within the meaning of ERISA Section 3(21)(A)(iii).  
(b)    Responsibility for the day-to-day ministerial administration of the Plan lies with the Human Resources Department of Quest Diagnostics.  The Human Resources Department may delegate all or any portion of such ministerial duties to a recordkeeper or other service provider to the Plan.  References in the Plan to forms, notices or applications submitted to, and procedures established by, the Plan Administrator or the Committee are deemed to include submissions to and procedures established by the Human Resources Department, the Plan’s recordkeeper or other person with whom such instruments may be filed.
8.3    Committee; Delegation
(a)    The Committee shall be the “named fiduciary” of the Plan, as that term is defined in ERISA Section 402(a)(2), with the authority to make all discretionary decisions relating to the operation and administration of the Plan, to interpret the Plan, to make investment-related decisions as provided in the Plan and with all powers (including, as provided in Section 8.4(e), to delegate duties and responsibilities) necessary to enable it properly to carry out such duties; provided that 

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the Committee shall not be responsible for any responsibility allocated to a Trustee or an investment manager as defined in ERISA Section 3(38).
(b)    The Board shall appoint the members of the Committee, which shall consist of not less than three (3) persons holding office at the pleasure of the Board.  Members of the Committee shall be paid no compensation from the Trust Fund for their service on the Committee.  Except as may be required by law, no bond or other security will be required of any Committee member.
(c)    The Committee has discretionary authority to construe and interpret the Plan, and to determine, consistent with the terms of the Plan and except as provided in subsection (d) with respect to a claim or appeal under Sections 8.6 or 8.7, all questions that may arise thereunder relating to:
(1)    the eligibility of individuals to participate in the Plan;
(2)    the amount of benefits to which any Participant or Beneficiary may become entitled hereunder; and 
(3)    discretionary decisions regarding the administration of the Plan not specifically covered by the provisions of the Plan.
Decisions of the Committee will be final and binding on all parties.
(d)    The Committee has established and shall appoint the members of an Appeals Committee, whose members need not be members of the Committee, and delegated to it the discretionary responsibility and authority: 
(1)    to review appeals under Section 8.7 from initial claim denials;
(2)    upon such an appeal, to determine the eligibility of any Participant or Beneficiary for benefits under the Plan; and 
(3)    to resolve upon such an appeal any situation not specifically covered by the provisions of the Plan.
(e)    The Committee has established and shall appoint the members of an Investment Committee, whose members need not be members of the Committee, and delegated to it the discretionary responsibility and authority as the “fiduciary” of the Plan with respect to investments of the Plan other than the Quest Diagnostics Incorporated Stock Fund, including the responsibility to select, monitor and replace Investment Options (other than the Quest Diagnostics Incorporated 

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Stock Fund), to designate the default Investment Option(s), to retain and discharge investment managers and to make other investment-related discretionary decisions; provided that neither the Committee nor its delegate (including the Investment Committee) has:
(1)    responsibility for monitoring the performance of the Quest Diagnostics Incorporated Stock Fund; or
(2)    authority to take any action with respect to the Quest Diagnostics Incorporated Stock Fund or its operation, other than with respect to the amount of liquidity that is appropriate to be maintained within this Investment Option and the investment of such liquid assets.
The Investment Committee also shall establish, or cause to be established, investment guidelines consistent with the objectives of the Plan and the requirements of ERISA.
(f)    The determination of the Committee (or its delegate) shall be final and binding on all interested parties.  Disbursements from the Trust Fund by the Trustee shall be made upon, and in accordance with, the written directions of the Committee (or its delegate).  When the Committee is required in the performance of its duties hereunder to administer, construe or reach a determination under any provision of the Plan, it shall do so on a uniform, equitable and nondiscriminatory basis.
(g)    The Committee also shall be the fiduciary identified under the Plan to the extent so required by the Regulations under ERISA Section 404(c).
8.4    Organization and Operation of the Committee
(a)    The Committee shall choose from among its members a chairman and a secretary.  Actions of the Committee shall be determined by the vote of a majority of its members.  Either the chairman or the secretary of the Committee may execute any certificate or other written direction on behalf of the Committee.  The Committee may adopt and enforce such rules of procedure as may be appropriate for the administration of the Plan.  The Committee may establish a charter setting forth principles under which the Committee shall conduct its business.
(b)    The Committee shall hold meetings upon such notice, at such place or places and at such time or times as the Committee may from time to time determine.  Meetings may be called by the chairman or by any two members.  A majority of the members of the Committee at the time in 

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office shall constitute a quorum for the transaction of business.  The Committee also may act by unanimous written consent in lieu of a meeting.
(c)    A member may resign from the Committee at any time by giving written notice of his resignation to Quest Diagnostics at least thirty (30) days in advance, unless Quest Diagnostics waives the requirement of written notice.  The Board shall appoint replacement Committee members.  An individual employed by Quest Diagnostics or an Affiliate when appointed a member of the Committee shall be deemed to have resigned from the Committee effective as of the date he ceases to be employed by Quest Diagnostics and its Affiliates, unless the Board shall affirmatively act to retain him on the Committee.
(d)    Nothing herein shall prevent a Committee member from being a Participant, or from acting on Plan matters which affect himself by virtue of affecting all Participants generally.  However, a Committee member shall not act on any matter which affects himself specially.  If application of the preceding sentence results in there not being a quorum to act on any matter, the Board shall appoint the necessary number of temporary Committee members to take action.
(e)    The Committee also may delegate its authority and duties to such persons it designates, including persons other than Committee members, and shall not be liable for any act or omission of a person so designated.  If another person or entity is so designated by the Committee (including, but not limited to, responsibility for actions in a particular capacity), references in this document to the Committee (acting in such capacity(-ies) as to which responsibility has been delegated) shall be construed as references to such person or entity.  
(f)    The Committee may retain such accountants, attorneys, advisors and other persons as it deems necessary or desirable to the administration of the Plan, and is entitled to rely upon all records furnished by the Employers and upon tables, valuations, certificates and reports furnished by the Trustee or by the accountants, attorneys, advisors and other persons it has appointed and upon all opinions given by any counsel selected or approved by the Committee or by Quest Diagnostics.  
(g)    The provisions of this Section, other than subsection (e), and of Section 8.5(b) also shall apply, as the case may be, to the Investment Committee, the Appeals Committee and such other committee or subcommittee as may be established by the Committee, provided that for 

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purposes of applying subsection (c) to the Investment Committee, the Appeals Committee or such other committee or subcommittee, references to the Board shall be construed as references to the Committee.
8.5    Employers: Indemnification and Information    
(a)    Quest Diagnostics and the other Employers, jointly and severally, shall indemnify each member of the Board, the Committee, the Appeals Committee, the Investment Committee and any other employees of Quest Diagnostics, the other Employers or an Affiliate to whom any fiduciary responsibility with respect to the Plan is allocated or delegated, from and against any and all liabilities, costs and expenses incurred by such individuals as a result of any act or omission to act in connection with the performance of their duties, responsibilities and obligations under the Plan and under ERISA, except for liabilities and claims arising from such individual’s willful misconduct or gross negligence.  For such purpose, Quest Diagnostics and the other Employers may obtain, pay for and keep current a policy or policies of insurance.  Where such policy or policies of insurance are purchased, there shall be no right to indemnification under this Section 8.5(a), except to the extent of any deductible amount under the policy or policies or with regard to covered claims in excess of the insured amount.  No Plan assets may be used for any indemnification.
(b)    The Employers shall supply such full and timely information for all matters relating to the Plan as the Committee, the Plan Administrator, the Trustee, the accountant or other service providers engaged on behalf of the Plan by Quest Diagnostics may require for the effective discharge of their respective duties.  The Committee, the Plan Administrator and the Trustee shall be entitled to rely upon all records furnished by the Employers.
8.6    Claims for Benefits — Initial Review
(a)    Effective January 1, 2013, unless a summary plan description or a prospectus for the Plan expressly provide for a different period, all claims under the Plan must be submitted within one (1) year after the date on which a communication from the Plan, the Plan Administrator or a Plan fiduciary (or one of their delegates or agents) contains the information contested or challenged by the claim.  All claims for benefits under the Plan shall be submitted to the Human Resources Department of Quest Diagnostics, which shall have the initial responsibility for determining the eligibility of any Participant or Beneficiary for benefits.  All claims for benefits shall be made in 

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writing and shall set forth the facts which such Participant or Beneficiary believes to be sufficient to entitle him to the benefit claimed.  The Plan Administrator may adopt forms for the submission of claims for benefits, in which case all claims for benefits shall be filed on such forms.  Upon request, the Plan Administrator shall provide Participants and Beneficiaries with all such forms.
(b)    Upon receipt by the Human Resources Department of a claim for benefits, it shall determine all facts which are necessary to establish the right of an applicant to benefits under the provisions of the Plan and the amount thereof as herein provided.  The claimant shall be notified in writing by the Human Resources Department of its decision with respect to such claim within 90 days after the receipt of a written request for benefits.  If the decision is not furnished within the time specified above, the claim shall be deemed denied.
(c)    If any claim for benefits is denied, the notice shall be written in a manner calculated to be understood by the claimant and shall include:
(1)    The specific reason or reasons for the denial;
(2)    Specific references to the pertinent Plan provision(s) on which the denial is based;
(3)    A description of any additional material or information necessary for the applicant to perfect the claim and an explanation why such material or information is necessary;
(4)    An explanation of the Plan’s claim review procedures; and
(5)    A statement of the claimant’s right to bring a civil action under ERISA Section 502(a) following denial of his appeal on review.
(d)    If special circumstances require an extension of time for processing the initial claim, a written notice of the extension and the reason therefor shall be furnished to the claimant by the Human Resources Department before the end of the initial 90-day period.  In no event shall such extension exceed 180 days after the receipt of the initial claim for benefits.
8.7    Denial of Benefits — Appeal Procedure
(a)    If a claim for benefits is denied by the Human Resources Department of Quest Diagnostics, the claimant or his duly authorized representative, at the claimant’s sole expense, may appeal the denial by filing a written request for review with the Appeals Committee within 60 days 

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of the receipt of written notice of denial or 60 days from the date such claim is deemed to be denied.  In pursuing such appeal, the claimant or his duly authorized representative may review pertinent Plan documents, and may submit issues and comments in writing.
(b)    The decision on review shall be made by the Appeals Committee within 60 days of receipt of the request for review, unless special circumstances require an extension of time for processing, in which case a decision shall be rendered as soon as possible, but not later than 120 days after receipt of a request for review.  If such an extension of time is required, written notice of the extension shall be furnished to the claimant before the end of the original 60-day period, and such extension notice shall indicate the special circumstance requiring an extension of the time and the date by which the Appeals Committee expects to render a decision.
(c)    The decision on review will consider all information submitted, regardless whether such information was submitted or considered in the original decision.  The decision on review shall be in writing, written in a manner calculated to be understood by the claimant, and shall include:
(1)    The specific reason or reasons for the denial;
(2)    Specific references to the pertinent Plan provision(s) on which the denial is based;
(3)    A statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all documents, records or other information relevant to the claimant’s claim; and
(4)    A statement of the claimant’s right to bring a civil action under ERISA Section 502(a) following denial of his appeal on review.
(d)    If the decision on review is not furnished within the time specified above, the claim shall be deemed denied on review.  The decision of the Appeals Committee upon review will be final and binding on all parties.
8.8    Other Provisions relating to Claims for Benefits
For purposes of Sections 8.6 and 8.7, a document, record or other information shall be considered “relevant” to a claim if such document, record or other information:
(a)    was relied upon in making the benefit determination;

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(b)    was submitted, considered or generated in the course of making the benefit determination, without regard to whether such document, record or other information was relied upon in making the benefit determination; or
(c)    demonstrates compliance with the administrative processes and safeguards required in making the benefit determination.
8.9    Exhaustion of Administrative Remedies; Limitations Period; Venue    
(a)    No claimant shall institute any action or proceeding in any state or federal court of law or equity, or before any administrative tribunal or arbitrator, for a claim for benefits under the Plan unless and until he has exhausted the claim appeal procedures set forth in the summary plan description of the Plan.  All such claims and appeals must be brought within the timeframes set forth in the Plan document or summary plan description.
(b)    Effective January 1, 2013, if the claimant has complied with and exhausted the appropriate claims and appeals procedures under the Plan and intends to exercise his right to bring civil action under ERISA Section 502(a), he must bring such action within one (1) year following the date of the denial of his last required appeal.  If the claimant does not bring such action within such one year period, he shall be barred from bringing an action under ERISA related to his claim.
(c)    Effective January 1, 2013, all action(s) or litigation arising out of or relating to this Plan shall be commenced and prosecuted in the federal district court whose jurisdiction includes Morris County, New Jersey.  Each Participant, claimant or other person consents and submits to the personal jurisdiction over him of the federal district court whose jurisdiction includes Morris County, New Jersey in respect of any such action(s) or litigation.  Each Participant, claimant or other person consents to service of process upon him with respect to any such action(s) or litigation by registered mail, return receipt requested, and by any other means permitted by rule or law.
8.10    Records
All acts and determinations of the Committee, or of the Investment Committee or Appeals Committee appointed by the Committee pursuant to Section 8.3, shall be duly recorded by the secretary thereof and all such records, together with such other documents as may be necessary in exercising its duties under the Plan, shall be preserved in the custody of such secretary.  Such records 

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and documents shall at all times be open for inspection and for the purpose of making copies by any person designated by Quest Diagnostics.  

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ARTICLE IX     
AMENDMENT AND TERMINATION OF THE PLAN; MERGERS AND TRANSFERS
9.1    Amendment of the Plan
(a)    The Chief Executive Officer, the President and the Senior Vice President and Chief Human Resources Officer of Quest Diagnostics, and any other officer of Quest Diagnostics who is authorized by the Board, each shall have the right at any time, with approval of the Board, to amend the Plan in whole or in part, including retroactively to the extent considered necessary.  Notwithstanding the preceding sentence, such Board approval shall not be required for:
(1)    any technical or clarifying amendment deemed necessary or appropriate to facilitate the administration, management or interpretation of the Plan or to conform the Plan thereto or to qualify and maintain the Plan as a plan meeting the requirements of the Code or other applicable law;
(2)    any amendment adding or modifying an operational provision resulting from a corporate transaction (e.g., credit for prior service);
(3)    any amendment that does not, in the consideration of the relevant officer, increase the benefits under the Plan or otherwise increase the Employers’ costs with respect to the Plan; or
(4)    the participation in the Plan as an Employer by any entity.
(b)    The amount of benefits which, at the later of the adoption or effective date of such amendment, shall have accrued for any Participant or Beneficiary shall not be adversely affected thereby.  No such amendment shall have the effect of revesting in the Employers any part of the principal or income of the Trust Fund.  No amendment may eliminate or reduce any early retirement benefit or subsidy that continues after retirement or optional form of benefit protected under Code Section 411(d)(6).  Unless expressly provided for in such amendment, an amendment shall not affect the rights and obligations of any Participant who severed from employment prior to the effective date of the amendment.
9.2    Termination of the Plan
(a)    Quest Diagnostics expects to continue the Plan indefinitely, but continuance is not assumed as a contractual obligation and Quest Diagnostics may terminate the Plan at any time in 

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whole or in part.  Further, each Employer reserves the right at any time by action of its board of directors or duly authorized officer to terminate the Plan as applicable to itself.  If an Employer terminates or partially terminates the Plan or permanently discontinues its Contributions at any time, or if a partial termination of the Plan occurs, each Participant affected thereby shall be fully vested in his Account to the extent then funded or credited except as otherwise required or permitted by applicable Regulations.  Also, Quest Diagnostics in its sole discretion, by action of its Chief Executive Officer, President, Senior Vice President and Chief Human Resources Officer or any other officer who is authorized by the Board, may fully vest the Accounts of a group of Participants because they are affected by a business divestiture, layoff, reduction-in-force or other similar transaction, in which case the rules relating to partial termination referred to above shall apply, even if a true partial termination under Code Section 411(d)(3) has not occurred.
(b)    In the event of termination of the Plan by an Employer, the Plan Administrator shall value the Trust Fund as of the date of termination.  That portion of the Trust Fund applicable to any Employer for which the Plan has not been terminated shall be unaffected.  The Accounts of Participants and Beneficiaries affected by the termination, as determined by the Plan Administrator, shall, at the direction of the terminating Employer, continue to be administered as part of the Trust Fund, distributed to such Participants or Beneficiaries pursuant to Section 5.6 or transferred to a qualified plan maintained by such Employer.  Distributions upon Plan termination of amounts attributable to Employee Pre-Tax Contributions and amounts credited to sub-accounts subject to similar distribution restrictions shall be made only to the extent permitted by Code Section 401(k)(10).
9.3    Merged Plans; Transferred Funds    
(a)    Upon written direction of the Committee, the Trustee may effect merger agreements or direct transfer of asset agreements with the trustees of other retirement plans described in Code Section 401(a), including any elective transfer, and to accept the direct transfer of plan assets, or to directly transfer plan assets, as a party to any such agreement.
(b)    In the event another defined contribution plan is merged into and made a part of the Plan (a “Merged Plan”), each participant in the Merged Plan immediately prior to the merger shall become a Participant in this Plan on the date of the merger, but shall be an active Participant only 

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if he is then an Eligible Employee and has satisfied the eligibility requirements of Section 2.1.  In no event shall a Participant’s vested interest in his Account attributable to amounts transferred (which may be maintained for recordkeeping purposes in one or more “Merged Plan Sub-Accounts”) to the Plan from the Merged Plan upon and immediately after the merger be less (except as a result of applicable investment losses, fees, withdrawals or distributions) than his vested interest in such amounts under the Merged Plan immediately prior to the merger, and such transfer, merger or consolidation (to the extent required by law) may not otherwise result in the elimination or reduction of any Section 411(d)(6) protected benefits of such Participant except to the extent permitted under Regulations §§1.401(a)-4 and 1.411(d)-4, or violation of any of the distribution restrictions of Section 5.12 or other restrictions applicable to them under such other plan.  Notwithstanding any other provision of the Plan to the contrary, a Participant’s service, if any, credited for eligibility and vesting purposes under the Merged Plan as of the merger shall be included as Eligibility Service and Years of Vesting Service under the Plan.  Special provisions, if any, applicable to a Participant’s Merged Plan Sub-Account(s) shall be specifically reflected in Appendix B to the Plan.  
(c)    The provisions of Section 9.3(b) apply to a plan that merged into the Prior Plan.
(d)    Notwithstanding any provision in this Plan to the contrary, no contribution by or on behalf of any Participant shall be made under this Plan with respect to any period for which any contribution is made by or on behalf of him under a Merged Plan.
(e)    (1)    With the consent of the Plan Administrator, amounts may be transferred (within the meaning of Code Section 414(l)) to this Plan from other tax-qualified plans under Code Section 401(a), provided that:  (A) the plan from which such funds are transferred permits the transfer to be made and (B) the transfer will not jeopardize the tax-exempt status of the Plan or Trust or create adverse tax consequences for the Employers.  If deemed advisable by the Plan Administrator, the amounts so transferred shall be established as a separate sub-account.
(2)    Notwithstanding anything herein to the contrary, a transfer directly to this Plan from another qualified plan (or a transaction having the effect of such a transfer) shall be permitted only if it will not result in the elimination or reduction of any Section 411(d)

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(6) protected benefit, as described in Section 9.3(b), under the transferor plan except to the extent permitted under Regulations §§1.401(a)-4 and 1.411(d)-4.

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ARTICLE X     
PROVISIONS RELATIVE TO EMPLOYERS INCLUDED IN PLAN
10.1    Participation in the Plan by an Affiliate
(a)    With the consent of Quest Diagnostics pursuant to Section 9.1, any Affiliate, by action of its board of directors or duly authorized officer, may adopt the Plan for the benefit of its Employees.  Any Affiliate that has adopted the Plan may terminate its participation at any time by action of its board of directors or duly authorized officer.  Any Affiliate which has adopted the Plan, and has not terminated its participation in the Plan, shall be listed in an Appendix hereto or listed as an Employer in the summary plan description of the Plan.
(b)    By becoming an Employer, an Affiliate agrees that:
(1)    the provisions of this Plan including, but not limited to, this Article X and any amendments hereto shall control with respect to the duties, rights and benefits under the Plan of the Employer’s Employees and their Beneficiaries;
(2)    Quest Diagnostics, the Committee, the Investment Committee, the Appeals Committee and the Plan Administrator are its agents to exercise on its behalf all the powers and authority conferred upon Quest Diagnostics, the Committee, the Investment Committee, the Appeals Committee and the Plan Administrator, respectively, under the Plan.  The authority of Quest Diagnostics, the Committee, the Investment Committee, the Appeals Committee and the Plan Administrator, respectively, to act as such agents shall continue until the Plan is terminated as to such Employer;
(3)    the Trustee shall commingle, hold and invest as one Trust Fund all contributions made by the Employers, as well as all increments thereof;
(4)    any expenses of the Plan which are to be paid by the Employers shall be paid by each Employer in the same ratio that the total amount standing to the credit of all Participants employed by such Employer bears to the total amount standing to the credit of all Participants, or in such other manner as may be determined by the Committee;
(5)    it will be bound by all interpretations, determinations and actions taken by the Committee, the Investment Committee, the Appeals Committee and the Plan Administrator respectively and all actions taken by Quest Diagnostics as settlor of the Plan;

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(6)    it will perform such other acts including, but not limited to, payment of such amounts into the Plan to be allocated to Employees of the Employer as Quest Diagnostics, the Committee or the Plan Administrator deem necessary in order to maintain the Plan’s compliance with applicable law; and
(7)    it will, as provided in Section 8.5, jointly and severally indemnify and hold harmless the Committee; Quest Diagnostics and its Affiliates; officers, directors, shareholders, employees and agents of Quest Diagnostics and its Affiliates; the Plan; the Trustee; Plan fiduciaries; and Participants and Beneficiaries of the Plan, as well as their respective successors and assigns, against any cause of action, loss, liability, damage, cost, or expense of any nature whatsoever (including, but not limited to, attorney’s fees and costs, whether or not suit is brought, as well as IRS plan disqualifications, other sanctions or compliance fees or Department of Labor fiduciary breach sanctions and penalties) arising out of or relating to the Employer’s noncompliance with any of the Plan’s terms or requirements; any intentional or negligent act or omission the Employer commits with regard to the Plan; and any omission or provision of incorrect information by the Employer with regard to the Plan which causes the Plan to fail to satisfy the requirements of a tax-qualified plan.
(c)    If an Employee is transferred between Employers, accumulated vesting and eligibility service shall be carried with the Employee involved.  No such transfer shall effect a Severance from Employment hereunder, and the Employer to which the Employee is transferred shall thereupon become obligated hereunder with respect to such Employee in the same manner as was the Employer from which the Employee was transferred.  An Employee’s transfer of employment from an Employer to an Affiliate that is not an Employer also shall not effect a Severance from Employment hereunder.
(d)    Contributions made by any Employer shall be treated as Contributions made by Quest Diagnostics for purposes of the Plan.  Forfeitures arising from those Employer contributions shall be used for the benefit of all Participants.
(e)    The Plan Administrator may establish procedures governing the participation of entities other than Quest Diagnostics in the Plan.

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10.2    Participation in the Plan by other Organizations
(a)    An organization that is not an Affiliate may, with the consent of Quest Diagnostics pursuant to Section 9.1, adopt the Plan.  Any unaffiliated organization that becomes an Employer under the Plan shall promptly deliver to Quest Diagnostics and the Committee a copy of the resolutions or other documents evidencing its adoption of the Plan, which resolutions shall include the same undertakings as required of an Affiliate under Section 10.1.
(b)    If any Employer is not an Affiliate, then the Plan shall be considered a multiple employer plan as described in Code Section 413(c).  Nothing in this Article X shall be treated as modifying the definition of “Employer” stated in Article I.  For example, a controlled group of corporations that is unrelated to Quest Diagnostics may adopt the Plan, but that group shall be treated as one Employer to the extent required by the Plan and applicable Regulations.
10.3    Service and Termination of Service    
An Employee’s service under the Plan includes all service with any and all Employers during the period such entities were Employers.  An Employee who terminates employment with one Employer and immediately commences employment with another Employer has not terminated employment, severed from employment or had a separation from service.

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ARTICLE XI     
TOP HEAVY PROVISIONS
11.1    Determination of Top Heavy Status
(a)    The Plan will be considered a “Top Heavy Plan” for any Plan Year if as of the Determination Date:  (1) the value of the Accounts of Participants who are Key Employees as of such Determination Date exceeds 60% of the value of the Accounts (but excluding catch-up contributions under Code Section 414(v) and earnings thereon) of all Participants as of such Determination Date, excluding former Key Employees (the “60% Test”); or (2) the Plan is part of a Required Aggregation Group which is Top Heavy.  Notwithstanding the results of the 60% Test, the Plan shall not be considered a Top Heavy Plan for any Plan Year in which the Plan is a part of a Required or Permissive Aggregation Group that is not Top Heavy.
(b)    For purposes of the 60% Test:
(1)    all distributions made from Accounts within the one-year period ending on the Determination Date (or, in the case of a distribution made for a reason other than severance from employment, death or disability, within the five-year period ending on the Determination Date) shall be taken into account;
(2)    if a Participant is a non-Key Employee with respect to the Plan for the Plan Year in question, but he was a Key Employee with respect to the Plan for any prior Plan Year, his Account shall not be considered; and
(3)    if a Participant has not performed any service for an Employer at any time during the one-year period ending on the Determination Date, his Account shall not be considered.
11.2    Minimum Allocations
Notwithstanding Sections 4.5 and 4.6, for any Plan Year during which the Plan is a Top Heavy Plan, the rate of Employer Matching Contributions and Discretionary Contributions (collectively) for such Plan Year allocated to the Accounts of Participants who are non-Key Employees and who remain employed by the Employer (or any Affiliate) at the end of the Plan Year (regardless of any such Participant’s hours of service or level of compensation during the Plan Year) shall not be less than the lesser of:

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(a)    three percent (3%) of such non-Key Employee’s Section 415 Compensation, as limited under Code Section 401(a)(17) as adjusted; or
(b)    the highest aggregate percentage of Section 415 Compensation, as limited under Code Section 401(a)(17) as adjusted, at which Employer Matching Contributions, Discretionary Contributions and Employee Pre-Tax Contributions are made (or required to be made) and allocated under Article IV for any Key Employee for the Plan Year.
If a Participant is covered by more than one defined contribution plan on account of his employment with the Employer or any Affiliate, the minimum allocation required by this Section shall be determined by aggregating the allocations under all such plans.
11.3    Impact on Minimum Benefits where Employer Maintains Both Defined Benefit and Defined Contribution Plans
If the Employer (or any Affiliate) maintains a defined benefit plan in addition to this defined contribution plan, both of which are Top-Heavy, then:
(a)    in the case of eligible non-Key Employees covered only by the defined benefit plan, the minimum benefit under the defined benefit plan shall be provided; and
(b)    in the case of an eligible non-Key Employee not covered by the defined benefit plan but covered under a defined contribution plan, or covered by both plans, a minimum allocation of five percent (5%) of such non-Key Employee’s Section 415 Compensation shall be provided.  If a Participant is covered by more than one defined contribution plan on account of his employment with the Employer and/or any Affiliate, the minimum allocation required by this Section shall be determined by aggregating the allocations under all such defined contribution plans.
11.4    Impact on Vesting
(a)    If the Plan is top-heavy in any Plan Year, then notwithstanding anything contained in the Plan to the contrary, each Participant with an Hour of Service after the Plan becomes top-heavy shall be vested in the portion of his Account attributable to Employer contributions (to the extent such portion is not then fully vested and nonforfeitable) as determined under the following table:
	
		
	Years of Vesting Service
	Vested Percentage

	Less than 3 
3 or more
	0% 
100%

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(b)    A Participant’s vested percentage in his Account shall not be less than that determined as of the last day of the most recent top-heavy Plan Year.  Further, if the Plan at any time has been top heavy and then ceases being top-heavy, the vested percentage in the Account of a Participant who has at least three (3) Years of Vesting Service (determined as of the last day of the most recent top-heavy year) shall not be less than what it would be if the Plan had not ceased being top-heavy.
11.5    Requirements Not Applicable
The requirements of this Article shall not apply with respect to any Plan Year in which the Plan consists solely of a cash or deferred arrangement which meets the requirements of Code Sections 401(k)(12) or 401(k)(13), and matching contributions with respect to which the requirements of Code Sections 401(m)(11) or 401(m)(12) are met.
11.6    Top-Heavy Definitions
Determination Date – With respect to any Plan Year, the last day of the preceding Plan Year.
Key Employee – An Employee or former Employee who at any time during the Plan Year containing the Determination Date is or was:  (1) an officer of the Employer having annual Section 415 Compensation for such Plan Year which is in excess of $130,000 (as adjusted pursuant to Code Section 416(i)(1)(A)), but in no event shall the number of officers taken into account as Key Employees exceed the lesser of:  (A) 50 or (B) the greater of 3 or 10% of all employees; (2) a 5% owner of the Employer; or (3) a 1% owner of the Employer who has annual Section 415 Compensation of more than $150,000.  For purposes of determining 5% and 1% owners, neither the aggregation rules nor the rules of Code Sections 414(b), (c) and (m) apply.  Beneficiaries of a Key Employee are considered Key Employees, and inherited benefits will retain the character of the benefits of the Employee who performed services for the Employer.  The identification of Key Employees will be made in accordance with Code Section 416(i)(1).
Non-Key Employee – Any Employee who is not a Key Employee, or who is a former Key Employee.  A Beneficiary of a Non-Key Employee is treated as a Non-Key Employee, but only if the Beneficiary is neither a Key Employee nor a Beneficiary of a Key Employee.

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Permissive Aggregation Group – Each employee pension benefit plan maintained by the Employer (or an Affiliate) which is considered part of the Required Aggregation Group, plus one or more other employee pension benefit plans maintained by the Employer (or an Affiliate) that are not part of the Required Aggregation Group but that satisfy the requirements of Code Sections 401(a)(4) and 410 when considered together with the Required Aggregation Group.
Required Aggregation Group – Each employee pension benefit plan maintained by the Employer (or any Affiliate), whether or not terminated, in which a Key Employee participates in the Plan Year containing the Determination Date, and each other employee pension benefit plan maintained by the Employer (or any Affiliate), whether or not terminated, in which no Key Employee participates but which during that period enables an employee pension benefit plan in which a Key Employee participates to meet the requirements of Code Sections 401(a)(4) or 410.

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ARTICLE XII     
MISCELLANEOUS
12.1    Governing Law
Except as preempted by federal law, the Plan shall be construed, regulated and administered according to the laws of the state of New Jersey (without regard to its conflict of laws provisions).
12.2    Construction
The headings and subheadings in the Plan (other than in Article I) have been inserted for convenience of reference only and shall not affect the construction of the provisions hereof.  In any necessary construction, the masculine shall include the feminine or neuter and the singular the plural, and vice versa.  To the extent required by applicable federal law, a “spouse” means the opposite-sex person to whom an Employee is legally married at the time in question.  A former spouse may be treated as a spouse or surviving spouse of an Employee to the extent required under the terms of a QDRO.
12.3    Participant’s Rights; Acquittance
Neither the establishment of the Plan and the Trust Fund nor any modification thereof, nor the creation of any fund or account nor the payment of any benefits, will give, or be construed as giving, to any Participant, Beneficiary or other person any legal or equitable right against an Employer or Affiliate, or any director, officer or employee thereof, or, except as provided herein, the Trustee, other than to the extent provided under ERISA and other applicable law.  An Employer or Affiliate expressly reserves its right to discipline, discharge, layoff or terminate the association of any Employee with the Employer or Affiliate at any time to the same extent as if the Plan had never gone into effect irrespective of the effect of such action upon his rights hereunder, and such action will not create any claim against the Employer or an Affiliate or against the Trust Fund for any payment except to the extent specifically provided herein.  The Employer shall not be liable for the payment of any benefit provided for herein, and all benefits hereunder shall be payable only from the Fund.  No Participant, Beneficiary or other person will have any right whatever to inspect for any purpose any book or record of the Employer or Affiliate other than any document as to which ERISA grants inspection rights, and the furnishing to such Participant, Beneficiary or other person by the Plan Administrator of any information or statement with respect to matters appearing 

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in, or which may be based upon, any such book or record will be final, binding and conclusive upon such Participant, Beneficiary or other person.
12.4    Spendthrift Clause
Except as provided by a QDRO and except pursuant to certain judgments and settlements under ERISA Section 206(d)(4) or as may be required pursuant to the Code or the Mandatory Victims Restitution Act of 1996, none of the benefits, payments, proceeds or distributions under this Plan shall be subject to the claim of any creditor of a Participant or a Beneficiary hereunder or to any legal process by any creditor of a Participant or Beneficiary.  Neither a Participant nor a Beneficiary shall have any right to alienate, commute, anticipate or assign any of the benefits, payments, proceeds or distributions under this Plan.
12.5    Mistake of Fact
Notwithstanding anything herein to the contrary, upon the Employer’s request, a Contribution which was made by a mistake of fact, or conditioned upon the deductibility of the Contribution under Code Section 404, may be returned to the Employer by the Trustee within one (1) year after the payment of the Contribution or the disallowance of the deduction (to the extent disallowed), whichever is later.  For purposes of the preceding sentence, all contributions shall be conditioned on their deductibility under Code Section 404.  Except as this Plan may otherwise provide, any Contribution so returned shall be adjusted to reflect its proportionate share of any Trust Fund gain or loss if, and to the extent, allowable under applicable Regulations.  Notwithstanding any provision of this Plan to the contrary, the right or claim of any Participant or Beneficiary to any asset of the Trust Fund or to any benefit under the Plan shall be subject to, and limited by, the provisions of this Section.
12.6    Recovery of Overpayment
If the Plan makes an overpayment, the Plan has the right, as elected by the Plan Administrator, at any time to:
(a)    recover that overpayment from the person to whom it was made;
(b)    offset the amount of that overpayment from any subsequent payment(s); or
(c)    a combination of both.

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The Plan shall be considered to have established an equitable lien by agreement with the person to whom such overpayment was made.  Such payee shall, upon request, execute and deliver such instruments and papers as may be required, and shall do whatever else is necessary, to secure such rights of recovery to the Plan.
12.7    Plan Corrections
In addition to the actions contemplated under Sections 3.11 and 5.12(c), the Plan Administrator, in conjunction with the Employers, may undertake such correction of Plan errors as it deems necessary, including correction to preserve tax qualification of the Plan under Code Section 401(a) or to correct a possible fiduciary breach under ERISA.  Without limiting its authority under the prior sentence, the Plan Administrator may undertake correction of Plan document, operational, demographic and Employer eligibility failures under a method described in the Plan or permissible under the EPCRS or any successor thereto.  The Plan Administrator also may undertake or assist the appropriate Plan fiduciary or Plan official in undertaking correction of a possible fiduciary breach, including correction under the U.S. Department of Labor Voluntary Fiduciary Correction Program or any successor thereto.  To correct an operational error, the Plan Administrator may require the Trustee to distribute from the Plan Pre-Tax Contributions or vested Employer Matching Contributions, including earnings or losses thereon, where such amounts result from an operational error other than a failure of Code Sections 402(g) or 415, or a failure of the ADP or ACP Tests.
12.8    Consent to Plan Terms
An Eligible Employee, upon becoming a Participant, and any other person, upon becoming a Beneficiary or an alternate payee, shall be deemed conclusively for all purposes hereof to have consented to the terms and conditions of the Plan and to be bound thereby.
12.9    Facility of Payment; Uncashed Checks; Recipients Who Cannot Be Located
(a)    If the Plan Administrator finds that any Participant or Beneficiary to whom a benefit is payable is unable to care for his affairs because of physical, mental or legal incompetence, the Plan Administrator, in its sole discretion, may cause any payment due to such individual to be paid to the person deemed by the Plan Administrator to be maintaining or responsible for the maintenance of such individual.  Any such payment will be deemed a payment for the account of such individual 

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and will constitute a complete discharge of the Plan and the Trust Fund of any liability for such payment.
(b)    If an individual dies before receiving all the payments to be made or before cashing any or all of the checks representing such payment or payments, such payment(s) will be made to his Beneficiary or, if there is no Beneficiary, as provided in Section 2.3(a).
(c)    If the Trustee is unable to make payment to a Participant or other person to whom a payment is due under the Plan because it cannot ascertain his identity or whereabouts after reasonable efforts have been made to identify or locate him (including a notice of the payment so due mailed to his last known address as shown on the records of the Employer) or because a check issued to him has remained uncashed for at least 90 days, the amount so distributable (or distributed) shall be treated in accordance with the Plan’s then-current “outstanding check reduction automated process” regarding “stale-dated” checks (in the former situation, acting as if a check had in fact been issued).
12.10    Income Tax Withholding
Amounts shall be withheld from any payment due under this Plan as required to conform with applicable income tax laws.
12.11    Writings and Electronic Communications
All notices and other communications with respect to the Plan, including signatures relating to such documents, may be executed and stored on paper, electronically or in another medium.  Any documentation executed or stored electronically shall comply with the Electronic Signatures Act.  To the extent permitted under applicable Regulations, the Plan Administrator and the Plan’s recordkeeper may use telephonic or electronic media to satisfy any notice requirements of this Plan.  In addition, to the extent permitted under applicable Regulations, a Participant’s consent to immediate distribution may be provided through telephonic or electronic means.  To the extent permitted under applicable Regulations, the Plan Administrator and the Plan’s recordkeeper also may use telephonic or electronic media to conduct Plan transactions such as enrolling Participants, making or changing salary reduction elections, electing or changing investment allocations, applying for Plan loans and other transactions.

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ARTICLE XIII     
ADOPTION OF THE PLAN
Anything herein to the contrary notwithstanding, this amended and restated Plan is adopted and maintained under the conditions that it is deemed qualified by the Internal Revenue Service under Code Section 401(a) and that the Trust hereunder is exempt under Code Section 501(a).
As evidence of its adoption of the Plan, Quest Diagnostics Incorporated has caused this instrument to be signed by its authorized officer this 19th day of December, 2012, effective as of January 1, 2012, except as otherwise provided herein or as required by law.
QUEST DIAGNOSTICS INCORPORATED
By:  /s/ Jeffrey S. Shuman    
Title:  SVP & Chief Human Resources Officer    

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APPENDIX A 
 
PARTICIPATING EMPLOYERS
The Plan allows employers other than Quest Diagnostics to adopt its provisions.  The names (and jurisdictions of organization) of the other participating employers as of January 1, 2013 are:
	
		
	ADI Holding Company, Inc. (DE)
American Medical Laboratories, Incorporated (DE)
APL Properties Limited Liability Company (NV)
Athena Diagnostics, Inc. (DE)
Axys Pharmaceuticals, Inc. (DE)
Berkeley HeartLab, Inc. (CA)
Celera Corporation (DE)
Celera Diagnostics, LLC (DE)
Diagnostic Laboratory of Oklahoma LLC (OK)
Diagnostic Path Lab, Inc. (TX)
Diagnostics Reference Services Inc. (MD)
Enterix, Inc. (DE)
ExamOne LLC (DE)
ExamOne World Wide, Inc. (PA)
ExamOne World Wide of NJ, Inc. (NJ)
Focus Diagnostics, Inc. (DE)
HemoCue, Inc. (CA)
LabOne, Inc. (MO)
LabOne of Ohio, Inc. (DE)
MedPlus, Inc. (OH)
MetWest Inc. (DE)
	Nichols Institute Diagnostics (CA)
Nomad Massachusetts, Inc. (MA)
OralDNA Labs, Inc. (DE)
Quest Diagnostics Clinical Laboratories, Inc. (DE)
Quest Diagnostics Finance Incorporated (DE)
Quest Diagnostics Holdings Incorporated (DE)
Quest Diagnostics Nichols Institute (CA)
Quest Diagnostics Incorporated (MD)
Quest Diagnostics Incorporated (MI)
Quest Diagnostics Incorporated (NV)
Quest Diagnostics Investments Incorporated  (DE)
Quest Diagnostics Nichols Institute, Inc. (VA)
Quest Diagnostics LLC (CT)
Quest Diagnostics LLC (IL)
Quest Diagnostics LLC (MA)
Quest Diagnostics Massachusetts LLC
Quest Diagnostics of Pennsylvania Inc. (DE)
Quest Diagnostics Provider Network, LLC (CO)
Quest Diagnostics Venture LLC (PA)
Quest Diagnostics Ventures LLC (DE)
Specialty Laboratories, Inc. (CA)
Unilab Corporation (DE)

Associated Pathologists, Chartered (NV)
Associated Diagnostics Pathologists, Inc. (CA)

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EXHIBIT 10.25

APPENDIX B 
 
PRIOR PLAN AND MERGED PLANS: 
SPECIAL RULES AND PROTECTED BENEFITS
For purposes of this Appendix B, the following definitions apply:
Merged Plan. – The Advance Medical Plan, the AML-East Plan, the AML-West Plan, the CBCLS Plan, the Celera Plan, the CDS Plan, the CPF Pension Plan, the CPF Savings Plan, the Damon Plan, the DeYor Plan, the Focus Diagnostics, Inc. Profit Sharing and 401(k) Plan, the HemoCue Inc. 401(k) Profit Sharing Plan, the LabOne (k) Plan, the LabOne Pension Plan, the LabPortal Plan, the Maryland Medical Laboratory Plan, the MedPlus Plan, the MetWest Plan, the Nichols Institute Plan, the Quest Diagnostics Incorporated Employee Stock Ownership Plan, the Podiatric Pathology Laboratories Plan, the Statlab Plan and the Unilab Plan, either individually or collectively as the case may be.
Merger Date – The date as of which a merged Plan was merged into this Plan (or a predecessor to this Plan).  The Merger Date for each Merged Plan is set forth in a table at the end of this Appendix.
The following provisions supplement the corresponding Sections of Articles V and VI: 
5.3    Death Before Severance from Employment
If a Participant whose Account includes a QJSA Portion dies with his surviving spouse as Beneficiary, the QJSA Portion shall be paid by purchase of an annuity contract providing for annuity payments for the spouse’s lifetime, unless the spouse elects to receive the QJSA Portion in a lump sum or in installments under Section 5.6.  Subject to Section 5.8(c), payments shall commence at a time designated by the spouse, but in no event earlier than a date that falls as soon as administratively feasible following the Participant’s date of death.
5.5    Severance from Employment
(b)    (1)    A Participant shall at all times be 100% vested in each portion of his Account attributable to the Prior Plan or a Merged Plan other than his Prior ESOP Employer Stock Sub-Account, his Prior ESOP Employer Contributions Sub-Account, his AML-East or AML-West Prior Employer Match Sub-Account, his prior Focus Plan Match Sub-Account, his Prior Unilab Employer Contribution Sub-

B-1

EXHIBIT 10.25

Account, his Prior LabOne Money Purchase Sub-Account, his Prior LabOne Employer Match Sub-Account, his prior Employer Five-Year Sub-Account, his Prior Employer Six-Year Money Purchase Sub-Account, his Prior Employer Six-Year Sub-Account and his Celera Plan Match Sub-Account.
(2)    A Participant has a vested interest in the following percentage of his Prior ESOP Employer Stock Sub-Account (if any), taking into account only Years of Vesting Service credited for periods of employment on or after December 31, 1996:
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	Less than 2
	0%

	2 or more
	100%

Notwithstanding the preceding, (i) a Participant who was an active Employee or who was on an authorized leave of absence as of August 16, 1999 automatically shall be 100% vested in his Prior ESOP Employer Stock Sub-Account; and (ii) a Participant who terminated employment prior to August 16, 1999 with fewer than two Years of Vesting Service (taking into account only Years of Vesting Service credited for periods of employment on or after December 31, 1996), and who subsequently returns as an Employee after August 16, 1999 prior to incurring a five-year Period of Severance beginning immediately after the date his employment terminated, automatically shall become 100% vested in his Prior ESOP Employer Stock Sub-Account as of the date of his reemployment.
(3)    A Participant has a vested interest in the following percentage of his Prior ESOP Employer Contributions Sub-Account (if any), taking into account all Years of Vesting Service:
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	Less than 3
	0%

	3 or more
	100%

(4)    An AML-East Plan Participant or an AML-West Plan Participant has a vested interest in the following percentage of his Prior Employer Match Sub-Account (if any):

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EXHIBIT 10.25

	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0
	0%

	1
	25%

	2
	50%

	3 or more
	100%

(5)    A Unilab Plan Participant has a vested interest in the following percentage of his Prior Unilab Employer Contribution Sub-Account (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0
	0%

	1
	10%

	2
	20%

	3
	50%

	4 or more
	100%

(6)    A LabOne (k) Plan Participant has a vested interest in the following percentage of his Prior LabOne Employer Match Sub Account (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	Less than 3
	0%

	3 or more
	100%

(7)    A LabOne Pension Plan Participant has a vested interest in the following percentage of his Prior LabOne Money Purchase Plan Sub-Account:
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	Less than 5
	0%

	5 or more
	100%

(8)    A Participant has a vested interest in the following percentage of his Prior Focus Plan Match Sub-Account (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0
	0%

	1
	20%

	2
	40%

	3
	60%

	4
	80%

	5 or more
	100%

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EXHIBIT 10.25

(9)    A Participant has a vested interest in the following percentage of his Prior Employer Five-Year Sub-Account (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0
	0%

	1
	20%

	2
	40%

	3
	60%

	4
	80%

	5 or more
	100%

(10)    A Participant has a vested interest in the following percentage of his Prior Employer Six-Year Money Purchase and Prior Employer Six-Year Sub-Accounts (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0-1
	0%

	2
	20%

	3
	40%

	4
	60%

	5
	80%

	6 or more
	100%

(11)    A Participant has a vested interest in the following percentage of his Celera Plan matching contributions (if any):
	
		
	YEARS OF VESTING SERVICE
	VESTED INTEREST

	0
	0%

	1
	25%

	2
	50%

	3
	75%

	4 or more
	100%

A Participant whose Celera BHL Plan matching contributions (if any) were transferred to the Celera Plan as of January 1, 2009 has a 100% vested interest in those matching contributions.
Notwithstanding the preceding, a Participant shall be 100% vested in his Celera Plan matching contributions (if any) upon termination of employment after (A) his attainment of age 591⁄2 (which was the Normal Retirement Age under the Celera Plan); (B) his attainment of age 55 and completion of at least 5 Years of Service (which was the Early 

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EXHIBIT 10.25

Retirement Age under the Celera Plan); or (C) he has become Totally and Permanently Disabled (which for this purpose includes being so determined by a physician approved by his Employer in lieu of being so determined under the federal Social Security Act or his Employer’s long-term disability plan (if any)). 
(12)    Notwithstanding the preceding, a Participant shall be 100% vested in his entire Account after his attainment of age 65, and shall be 100% vested in his Celera Plan sub-accounts upon his attainment of age 591⁄2.  
(h)    (1)    If a Participant’s employment terminates for any reason other than retirement under Section 5.1, disability under Section 5.2, death under Section 5.3 or reduction-in-force under Section 5.5(a) at a time when he has no vested interest in his Prior ESOP Employer Stock Sub-Account and/or his Prior ESOP Employer Contributions Sub-Account, the Plan Administrator nonetheless shall treat him as if he had received a distribution of his Prior ESOP Employer Stock Sub-Account and/or his Prior ESOP Employer Contributions Sub-Account on the date his employment terminated and shall forfeit his entire Prior ESOP Employer Stock Sub-Account and/or his entire Prior ESOP Employer Contributions Sub-Account as soon as administratively feasible after the date his employment terminated.  If the former Participant returns as an Employee prior to incurring a five-year Period of Severance beginning immediately after the date his employment terminated, his Prior ESOP Employer Stock Sub-Account and/or his Prior ESOP Employer Contributions Sub-Account, determined as of the date of forfeiture, shall be fully restored to him as soon as administratively feasible after his reemployment.  In such case, these sub-accounts shall be restored first out of forfeitures for such Plan Year and, if such forfeitures are insufficient to restore such sub-accounts, the Employer shall make a special contribution to the extent necessary so that his sub-accounts are fully restored.
(2)    If the employment of an AML-East Plan Participant or an AML‐West Plan Participant terminates for any reason other than retirement under Section 5.1, disability under Section 5.2, death under Section 5.3 or reduction-in-force under Section 5.5(b)(1) at a time when he is not fully vested in his Prior Employer Match Sub-Account, then the Plan Administrator shall follow the procedure set forth in clause (i) or that set forth in clause (ii) below, as appropriate:
		
	(i)
	(A)    If the Participant had no vested interest in his Prior Employer Match Sub-Account, Prior Focus Plan Match Sub-Account at the time of his 

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EXHIBIT 10.25

termination of employment, the Plan Administrator nonetheless shall treat him as if he had received a distribution on the date his employment terminated and shall forfeit his entire Prior Employer Match Sub‐Account as soon as administratively feasible after the date his employment terminated.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance, his Prior Employer Match Sub-Account, determined as of the date of his deemed distribution, shall be fully restored to him as soon as administratively feasible after his reemployment.
(B)    If the Participant had a 25% or 50% vested interest in his Prior Employer Match Sub-Account at the time of his termination of employment and if he receives a distribution of such vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Employer Match Sub-Account shall be forfeited as soon as administratively feasible after the date of distribution.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance and if he repays the full amount of the distribution paid to him by reason of his termination of employment no later than the fifth anniversary of the date of his reemployment, then his Prior Employer Match Sub-Account, determined as of the date of the distribution of his vested interest, shall be fully restored to him as soon as administratively feasible after such repayment is made.
(C)    A Participant’s Prior Employer Match Sub‐Account shall be restored first out of forfeitures for such Plan Year and, if such forfeitures are insufficient to restore such Prior Employer Match Sub-Account, the Employer shall make a special contribution to the extent necessary so that the Participant’s Prior Employer Match Sub-Account is fully restored.
		
	(ii)
	If the Participant had a 25% or 50% vested interest in his Prior Employer Match Sub-Account at the time of his termination of employment and if he does not receive a distribution of such vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Employer Match Sub-Account shall be forfeited as soon as administratively feasible after such five-year Period of Severance has been incurred.

(3)    If the employment of a Unilab Plan Participant terminates for any reason other than retirement under Section 5.1, disability under Section 5.2, death under Section 5.3 

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EXHIBIT 10.25

or reduction-in-force under Section 5.5(b)(1) at a time when he is not fully vested in his Prior Unilab Employer Contribution Sub-Account, then the Plan Administrator shall follow the procedure set forth in clause (i) or that set forth in clause (ii) below, as appropriate:
		
	(i)
	(A)    If the Participant had no vested interest in his Prior Unilab Employer Contribution Sub-Account at the time of his termination of employment, the Plan Administrator nonetheless shall treat him as if he had received a distribution on the date his employment terminated and shall forfeit his entire Prior Unilab Employer Contribution Sub-Account as soon as administratively feasible after the date his employment terminated.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance, his Prior Unilab Employer Contribution Sub-Account, determined as of the date of his deemed distribution, shall be fully restored to him as soon as administratively feasible after his reemployment.

(B)    If the Participant is partially vested in his Prior Unilab Employer Contribution Sub-Account at the time of his termination of employment and if he receives a distribution of his vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Unilab Employer Contribution Sub-Account shall be forfeited as soon as administratively feasible after the date of distribution.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance and if he repays the full amount of the distribution paid to him by reason of his termination of employment no later than the fifth anniversary of the date of his reemployment, then his Prior Unilab Employer Contribution Sub-Account, determined as of the date of the distribution of his vested interest, shall be fully restored to him as soon as administratively feasible after such repayment is made.
A Participant’s Prior Unilab Employer Contribution Sub‐Account shall be restored first out of forfeitures for such Plan Year and, if such forfeitures are insufficient to restore such Prior Unilab Employer Contribution Sub-Account, the Employer shall make a special contribution to the extent necessary so that the Participant’s Prior Unilab Employer Contribution Sub-Account is fully restored.

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EXHIBIT 10.25

		
	(ii)
	If the Participant is partially vested in his Prior Unilab Employer Contribution Sub-Account at the time of his termination of employment and if he does not receive a distribution of such vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Unilab Employer Contribution Sub-Account shall be forfeited as soon as administratively feasible after such five-year Period of Severance has been incurred.

(4)    If the employment of a Participant terminates for any reason other than retirement under Section 5.1, disability under Section 5.2, death under Section 5.3 or reduction-in-force under Section 5.5(a) at a time when he is not fully vested in his Prior Focus Plan Match Sub-Account (if any), then the Plan Administrator shall follow the procedure set forth in clause (i) or that set forth in clause (ii) below, as appropriate:
		
	(i)
	If the Participant had no vested interest in his Prior Focus Plan Match Sub-Account at the time of his termination of employment, the Plan Administrator nonetheless shall treat him as if he had received a distribution on the date his employment terminated and shall forfeit his entire Prior Focus Plan Match Sub-Account as soon as administratively feasible after the date his employment terminated.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance, his Prior Focus Plan Match Sub-Account, determined as of the date of his deemed distribution, shall be fully restored to him as soon as administratively feasible after his reemployment.

		
	(ii)
	(A)    If the Participant is partially vested in his Prior Focus Plan Match Sub-Account at the time of his termination of employment and if he receives a distribution of his vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Focus Plan Match Sub-Account shall be forfeited as soon as administratively feasible after the date of distribution.  If such a Participant returns as an Employee prior to incurring a five-year Period of Severance and if he repays the full amount of the distribution paid to him by reason of his termination of employment no later than the fifth anniversary of the date of his reemployment, then his Prior Focus Plan Match Sub-Account, determined as of the date of the 

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EXHIBIT 10.25

distribution of his vested interest, shall be fully restored to him as soon as administratively feasible after such repayment is made.
(B)    A Participant’s Prior Focus Plan Match Sub-Account shall be restored first out of forfeitures for such Plan Year and, if such forfeitures are insufficient to restore such Prior Focus Plan Match Sub-Account, the Employer shall make a special contribution to the extent necessary so that the Participant’s Prior Focus Plan Match Sub-Account is fully restored.
		
	(iii)
	If the Participant is partially vested in his Prior Focus Plan Match Sub-Account at the time of his termination of employment and if he does not receive a distribution of such vested interest before he incurs a five-year Period of Severance, the remaining portion of his Prior Focus Plan Match Sub-Account shall be forfeited as soon as administratively feasible after such five-year Period of Severance has been incurred.

6.3    Non-Hardship Withdrawals
(a)    An AML-East Plan Participant shall be allowed to make up to two withdrawals from his Employee After-Tax Sub-Account in any 12-month period.  
(b)    In addition to the withdrawals available under Section 6.2, a MedPlus Plan Participant, a LabPortal Plan Participant, an AML-East Plan Participant, an AML-West Plan Participant, a Unilab Plan Participant or a LabOne 401(k) Plan Participant shall be allowed to withdraw all or part of the value of his Prior Plan Rollover Sub-Account for any reason.  
(c)    Notwithstanding any other provision of Section 6.3, in no event may:  (1) a CPF Pension Plan Participant be allowed to make a withdrawal from his Money Purchase Pension Plan Sub-Account or (2) a LabOne Pension Plan Participant be allowed to make a withdrawal from his Prior LabOne Money Purchase Plan Sub-Account.
(d)    A Participant may make an in-service withdrawal from his Celera Plan sub-accounts if he is determined to be Totally and Permanently Disabled by a physician approved by the Employer in lieu of being so determined under the federal Social Security Act or his Employer’s long-term disability plan (if any). 

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MERGER DATES
The Merger Date for each Merged Plan is set forth below:
	
		
	Name
	Merger Date

	Advance Medical & Research Center, Inc. Retirement Plan
	May 1, 1990

	Continental Bio Clinical Laboratory Service, Inc. Profit Sharing and Retirement Savings Plan
	January 1, 1992

	Statlab, Inc. Retirement Plan
	March 1, 1993

	CPF/MetPath Savings and Retirement Plan
	July 1, 1993

	Clinical Pathology Facility, Inc. Pension Plan
	July 1, 1993

	DeYor Laboratories 401(k) Profit Sharing Plan and Trust
	January 1, 1994

	The Profit Sharing Plan and Trust Agreement for Employees of MetWest Inc.
	April 1, 1994

	Maryland Medical Laboratory, Inc. 401(k) Profit Sharing Plan and Trust
	January 1, 1995

	Nichols Institute 401(k) Plan
	January 1, 1995

	Podiatric Pathology Laboratories, Inc. Profit Sharing Plan
	January 1, 1995

	MedPlus, Inc. 401(k) Plan
	January 2, 2002

	LabPortal, Inc. 401(k) Plan
	July 1, 2002

	Quest Diagnostics Incorporated Employee Stock Ownership Plan
	October 1, 2002

	AML-East 401(k) Plan
	January 3, 2003

	APL Healthcare Group Inc. Profit Sharing and 401(k) Plan
	January 3, 2003

	Clinical Diagnostics Services 401(k) Plan
	June 2, 2003

	Unilab 401(k) Plan
	January 2, 2004

	LabOne, Inc. Profit Sharing 401(k) Plan
	March 1, 2007

	LabOne, Inc. Money Purchase Pension Plan
	March 1, 2007

	Focus Diagnostics, Inc. Profit Sharing and 401(k) Plan
	March 13, 2008

	HemoCue, Inc. 401(k) Profit Sharing Plan
	July 14, 2009

	Celera 401(k) Plan
	May 31, 2012

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There are several different Merger Dates for Participants who were former participants in the Damon Plan, depending on the Damon Corporation entity with which such former participant was employed before transferring to an Employer:
	
		
	Name of Entity
	Merger Date

	American Health Resources, Inc.
	January 1, 1994

	Damon Clinical Laboratories, Inc. (FL)
	January 1, 1994

	Damon Clinical Laboratories, Inc. (MA) – Connecticut locations
	January 1, 1994

	Damon Clinical Laboratories, Inc. (PA)
	January 1, 1994

	Damon Clinical Laboratories, Inc. (TX) – Kansas and Missouri locations
	January 1, 1994

	Damon Corporation
	January 1, 1994

	Health Care Laboratories, Inc.
	January 1, 1994

	Damon Clinical Laboratories, an Illinois general partnership
	March 1, 1994

	Damon Clinical Laboratories, Inc. (AZ)*
	April 1, 1994

	Damon Clinical Laboratories, Inc. (TX) – All locations other than Kansas and Missouri*
	April 1, 1994

	Damon Clinical Laboratories – Houston, Inc.*
	April 1, 1994

	New York Damon Clinical Laboratories, Inc.
	April 1, 1994

	Damon Clinical Laboratories, Inc. (MA) – All locations other than Connecticut**
	May 1, 1994

	Damon Clinical Laboratories – Pittsburgh, Inc.
	June 1, 1994

		
	*
	As of January 1, 1994, individuals who had been employed with these entities became employees of MetWest Inc., but continued to participate in the Damon Plan through March 31, 1994.

		
	**
	As of January 1, 1994, individuals who had been employed with this entity became employees of MetPath New England Inc., but continued to participate in the Damon Plan through April 30, 1994.

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APPENDIX C 
 
SUB-ACCOUNTS FROM MERGED AND PRIOR PLANS  
AND SUB-ACCOUNTS TRANSFERRED FROM  
THE 401(k) PLAN OF QUEST DIAGNOSTICS INCORPORATED
A.    The sub-accounts maintained with respect to Participants who participated in a Merged Plan or in the Prior Plan (unless aggregated with another sub-account having the same characteristics and privileges) include, but are not limited to, the following:
(a)Advance Medical Plan Sub-Account;
(b)    AML-East Plan Sub-Account;
(c)    AML-West Plan Sub-Account;
(d)    CBCLS Employer Contribution Sub-Account;
(e)    CDS Plan Sub-Account;
(f)    Celera Plan BHL Match Sub-Account
(g)    Celera Plan Match Sub-Account
(h)    Prior Plan Roth Sub-Account
(i)    Corning Stock Fund Sub-Account;
(j)    Covance Stock Fund Sub-Account;
(k)    CPF Money Purchase Pension Plan Sub-Account;
(l)    CPF Pension Plan Sub-Account;
(m)    CPF Savings Plan Sub-Account;
(n)    Damon Plan Sub-Account;
(o)    DeYor Plan Sub-Account;
(p)    Employee After-Tax Sub-Account;
(q)    Employee Pre-Tax Catch-Up Sub-Account;
(r)    Employee Regular Pre-Tax Sub-Account;
(s)    Employer Matching Sub-Account;
(t)    Quest Stock Matching Sub-Account;
(u)    ESOP Diversification Sub-Account;
(v)    LabOne (k) Plan Sub-Account;
(w)    LabOne Pension Plan Sub-Account;

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(x)    LabPortal Plan Sub-Account;
(y)    Maryland Medical Laboratory Plan Sub-Account;
(z)    MedPlus Plan Sub-Account;
(aa)    MetWest Plan Sub-Account;
(bb)    Money Purchase Pension Plan Sub-Account;
(cc)    Nichols Institute Plan Sub-Account;
(dd)    Partnership Sub-Account;
(ee)    Podiatric Pathology Laboratories Plan Sub-Account;
(ff)    Post-1999 Cash Match Sub-Account;
(gg)    Post 1999 Stock Match Sub-Account;
(hh)    Pre-1999 Cash Match Sub-Account;
(ii)    Pre-1999 Stock Match Sub-Account;
(jj)    Prior Employer Match Sub-Account;
(kk)    Prior ESOP Employer Contributions Sub-Account;
(ll)    Prior ESOP Quest Stock Sub-Account;
(mm)    Prior Focus Plan Match Sub-Account;
(nn)    Prior LabOne Money Purchase Pension Plan Sub-Account;
(oo)    Prior LabOne Employer Match Sub-Account;
(pp)    Prior Plan Employer Contribution Sub-Account;
(qq)    Prior Plan Employer Qualified Sub-Account;
(rr)    Prior Plan Rollover Sub-Account;
(ss)    Prior Profit Sharing Sub-Account;
(tt)    Prior Unilab Employer Contribution Sub-Account;
(uu)    Qualified Nonelective Contribution Sub-Account;
(vv)    Rollover Sub-Account;
(ww)    Statlab Plan Sub-Account;
(xx)    Unilab Plan Sub-Account;
(yy)    Vested Employer Stock Dividend Sub-Account; and
(zz)    Vested Money Purchase Pension Plan Dividend Sub-Account.

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B.    In the case of a participant in the 401(k) Plan of Quest Diagnostics Incorporated whose account is transferred to this Plan, all applicable sub-accounts of such individual under the 401(k) Plan of Quest Diagnostics Incorporated generally will continue to be maintained under this Plan unless aggregated with another sub-account having the same characteristics and privileges.  In addition to the sub-accounts listed above, such sub-accounts may include, but are not limited to, the following:
(aaa)    Prior Company Contributions Sub-Account;
(bbb)    Prior Employer Discretionary Contributions Sub-Account;
(ccc)    Prior Employer Matching Contributions Sub-Account;
(ddd)    Prior Safe Harbor Nonelective Contributions Sub-Account; and
(eee)    Prior Specialty Laboratories Contribution Sub-Account.
C.    All benefits, rights and features that are required to be preserved with respect to such sub-accounts under Code Section 411(d)(6) shall be preserved following such transfer including, but not limited to, rights to in-service withdrawals, rights to annuity or other optional forms of distribution and the requirement, where applicable, of spousal consent to distributions, loans or in-service withdrawals.

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APPENDIX D 
 
SPECIAL DISTRIBUTION PROVISIONS
The provisions of this Appendix D apply to only a Participant who has a portion of his Account attributable to the Money Purchase Pension Plan Sub-Account, the Vested Money Purchase Pension Plan Dividend Sub-Account or any other sub-account attributable to a money purchase pension plan as indicated in Appendix B or Appendix C (or his Account includes assets transferred directly from a plan subject to Code Section 417).  The annuity provisions of this Appendix D applies only to such portion of his Account (the “QJSA Portion”) and may be waived through a “Qualified Election” described in paragraph (c) below.
For these purposes, the following definitions apply:
Money Purchase Pension Plan Sub-Account – The portion of the Account of a Participant who was a participant in a money purchase pension plan that was a predecessor to or merged into the Prior Plan (or that merges into this Plan).  
Vested Money Purchase Pension Plan Dividend Sub-Account – Under Section 6.5(b), the portion of a Participant’s Account comprised of cash dividends received under the Quest Diagnostics Incorporated Stock Fund associated with a portion of the Participant’s Money Purchase Pension Plan Sub-Account (or any other sub-account attributable to a money purchase pension plan as indicated in Appendix B or Appendix C or to assets transferred directly from a plan subject to Code Section 417) that is not fully vested.  A Participant always has a 100% vested percentage in his Vested Money Purchase Pension Plan Dividend Sub-Account.
(a)    Automatic and Optional Annuity Requirements.  If a Participant has a QJSA Portion, distribution of his QJSA Portion shall be made through the purchase of an annuity contract that provides for payment in one of the following annuity forms unless he elects a different form of payment available under Section 5.6: 
(1)    The “automatic annuity form” for a Participant who is married on his Benefit Payment Date is a 50% Qualified Joint and Survivor Annuity.
(2)    The “optional annuity form” for a Participant who is married on his Benefit Payment Date is a 75% Qualified Joint and Survivor Annuity.

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(3)    The “automatic annuity form” for a Participant who is not married on his Benefit Payment Date is a Single Life Annuity.
His election of any form of payment other than the “automatic annuity form” shall not be effective unless it is a “qualified election;” provided that consent of his spouse shall not be required if he elects the “optional annuity form” of (2) above.
(b)    Qualified Preretirement Survivor Annuity Requirements.  If a married Participant with a QJSA Portion dies before his Benefit Payment Date, his spouse shall receive distribution of his vested interest in the QJSA Portion through the purchase of an annuity contract that provides for payment over the life of the spouse unless his spouse elects to receive distribution under another form of payment available under Section 5.6.  Such Participant may designate a non-spouse Beneficiary to receive distribution of his QJSA Portion only pursuant to a “qualified election” unless his spouse has previously consented to the naming of such non-spouse Beneficiary as the sole Beneficiary of his QJSA Portion.
(c)    Qualified Election Procedures.
(1)    No less than seven (7) and no more than 180 days before distribution of such a Participant’s benefit commences, he and his spouse (if any) shall be given a written notice to the effect that if he is married on the date of commencement of payments, benefits will be payable in form of a 50% (or 75%) Qualified Joint and Survivor Annuity under this Appendix D unless he, with the consent of his spouse, elects to the contrary prior to the commencement of payments.  Spousal consent is not required for an election if the Beneficiary is not the spouse.  The notice shall describe, in a manner intended to be understood by him and his spouse, the terms and conditions of the Qualified Joint and Survivor Annuity, the financial effect of the election of an optional form or to revoke such an election, and the rights of the spouse to consent to an election of an optional form.  In addition, the notice shall inform him that he has 30 days to elect whether to have benefits paid in an optional form described in Section 5.6 in lieu of the automatic form provided for in paragraph (b) above.
(2)    A Participant may elect, through an Appropriate Request, to have his QJSA Portion paid in a lump sum under Section 5.6 or in one of the options under subsection (d) below.  His election to receive his benefit in a lump sum under Section 5.6 or in an option provided under subsection (d) may be revoked by him at any time, and any number of times, during the 180-day period ending on the day his benefit payments commence.  After benefit payments have commenced, 

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no elections or revocations of an optional method of distribution will be permitted under any circumstances.
(3)    The date payment of his benefit is to commence for a distribution in a form other than the 50% (or 75%) Qualified Joint and Survivor Annuity under this Appendix may be less than 30 days after receipt of the written notice described above if:
(A)    he has been provided with information that clearly indicates that he has at least 30 days to consider whether to waive the 50% (or 75%) Qualified Joint and Survivor Annuity, and elects (with written consent of his spouse, if necessary) another form of distribution;
(B)    he is permitted to revoke any affirmative distribution election at least until the Benefit Payment Date or, if later, at any time prior to the expiration of the seven (7) day period that begins the day after he is provided the explanation of the 50% (or 75%) Qualified Joint and Survivor Annuity; and
(C)    the date payment of his benefit is to commence is a date after the date that the written notice was provided to him.
(d)    Optional Forms
(1)    An annuity contract, purchased from an insurance company (or similar source) by the Investment Committee, utilizing the value of the vested portion of the Participant’s QJSA Portion, which provide for equal monthly payments over his lifetime and which contains such other terms and provisions required under applicable Regulations.
(2)    An annuity contract, purchased from an insurance company (or similar source) by the Investment Committee, utilizing the value of the vested portion of the Participant’s QJSA Portion, which provides for equal monthly payments over his lifetime and for such monthly payments (or one-half (1⁄2) or three-quarters (3⁄4) thereof) to be continued after his death to his Beneficiary over the lifetime of the Beneficiary.  If his Beneficiary is not living at the time of his death, no additional benefit shall be payable hereunder.  Such annuity contract shall contain such other terms and provisions required under applicable Regulations.
(3)    An annuity contract, purchased from an insurance company (or similar source) by the Investment Committee, utilizing the value of the vested portion of the 

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Participant’s QJSA Portion, which provides for equal monthly payments over his lifetime and in the event of his death before 120 monthly payments have been made, such payments shall be continued to his Beneficiary until the remainder of the 120 monthly payments have been made.  Such annuity contract shall contain such other terms and provisions required under applicable Regulations.  (This option is not available to a Beneficiary.)
(e)    Notwithstanding any provision of this Plan to the contrary, to the extent that any optional form of benefit under this Plan permits a distribution prior to the Participant’s retirement, death, Total and Permanent Disability or Severance from Service Date, and prior to Plan termination, the optional form of benefit is not available with respect to his QJSA Portion, other than any portion of those assets and liabilities attributable to after-tax voluntary Employee contributions or to a direct or indirect rollover contribution.
(f)    For purposes of this Appendix D, the following terms have the following meanings:
(1)    “Qualified Joint and Survivor Annuity” means an immediate annuity payable at earliest retirement age under the Plan, as defined in Regulations under Code Section 401(a)(11), that is payable for the life of a Participant with a survivor annuity payable for the life of his spouse that is equal to at least 50% but no more than 100% of the amount of the annuity payable during the joint lives of him and his spouse.  No survivor annuity shall be payable to his spouse under a Qualified Joint and Survivor Annuity if such spouse is not the same spouse to whom he was married on his Benefit Payment Date.
(2)    “Qualified Pre-Retirement Survivor Annuity” means an annuity payable for the life of a Participant’s surviving spouse upon his death prior to his Benefit Payment Date.
(3)    “Benefit Payment Date” means:
(A)    the first day of the first period for which an amount is payable as an annuity, as described in Code Section 417(f)(2)(A)(i);
(B)    in the case of a benefit not payable in the form of an annuity, the starting date for the Qualified Joint and Survivor Annuity that is payable under the Plan at the same time and form as the benefit that is not payable as an annuity;
(C)    in the case of an amount payable under a retroactive annuity starting date, the retroactive annuity starting date; or
(D)    the date of the purchase of an irrevocable commitment from an insurer to pay the benefits due under the Plan.

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APPENDIX E

The following provisions apply to Roth contribution sub-accounts under a plan that merged into the Celera 401(k) Plan, which merged into the Plan effective as of May 31, 2012.
A.    The following definitions apply for purposes of this Appendix E:  
“Designated Roth Contributions” means contributions made for the account of a participant in the Celera Plan that were irrevocably designated by the participant as Roth contributions subject to Code Section 402A.  A portion of a Celera Plan participant’s Designated Roth Contributions may consist of Roth catch-up contributions under Code Section 414(v).  
“Roth Rollover Contributions” means a direct rollover from a Roth elective deferral account under an applicable retirement plan described in Code Section 402A(e)(1) or, in the case of a contribution by a participant in the Celera Plan and solely if made in accordance with procedures established by the plan administrator of the prior plan, from a Roth IRA described in Code Section 408A but only to the extent the distribution from such Roth IRA was eligible for roll over to a qualified plan.
B.    Subsection (a) of Section 4.1 (“Accounts”) is modified as follows:  
Separate sub-accounts shall be maintained for each Celera Plan participant to which shall be recorded pertinent data relating to the amount of contributions made on his behalf under the Celera Plan which were Designated Roth Contributions and the amount of his rollover contributions which were Roth Rollover Contributions.
C.    Section 5.9 (“Direct Rollovers”) is modified as follows: 
The following sentence is added at the end of Section 5.9(b)(1):  Any distribution of Designated Roth Contributions or Roth Rollover Contributions shall be deemed to be an eligible rollover distribution only to the extent that such Designated Roth Contributions or Roth Rollover Contributions are rolled over to a Roth IRA described in Code Section 408A or to a qualified trust that accepts, and agrees to separately account for, Designated Roth Contributions and/or Roth Rollover Contributions.  

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The following sentence is added at the end of the flush text in Section 5.9(b)(2):  With respect to Designated Roth Contributions or Roth Rollover Contributions, an “eligible retirement plan” is a Roth IRA described in Code Section 408A, a Roth account in another 401(k) plan that permits Roth deferrals or a Roth account in a 403(b) plan that permits Roth deferrals.  
D.    No “Roth conversions” were permitted under the Celera Plan.

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APPENDIX F 
PROVISIONS APPLICABLE TO PUERTO RICO PARTICIPANTS
This Appendix F is included in order for the Plan to comply with the qualification requirements of Section 1165(a) of the Puerto Rico Internal Revenue Code of 1994 with respect to Puerto Rico Participants, although since January 1, 2003 in operation the Plan has complied with the PR Code requirements.  This Appendix F (the “PR Appendix”) to the Plan pertains exclusively to PR Participants, as defined below.
A.Purpose
The purpose of this PR Appendix is to comply with the qualification requirements of Section 1165(a) of the PR Code, as defined below.
B.    Definitions
1.    Deferral Compensation
Deferral Compensation is as defined in the Plan, provided that the Deferral Compensation of a PR Participant taken into account under the Plan for a Plan Year shall not exceed $200,000, as adjusted for cost of living increases.
The following rules apply for purposes of this definition:
a.    Any pre-tax contributions of a PR Participant to a deferred compensation plan under Section 1165(e) of the PR Code shall be included in Deferral Compensation.
b.    Any benefits paid under this or any other deferred compensation plan or any qualified retirement plan shall be excluded from Deferral Compensation.
2.    Highly Compensated Puerto Rico Employee (“HCPRE”)
A HCPRE is a PR Participant who is more highly compensated than two‐thirds of all other PR Participants, taking into account only compensation considered in applying and/or meeting participation and discrimination standards.
3.    Non-Highly Compensated PR Employee (“NHCPRE”)
A NHCPRE is a PR Participant who is not a HCPRE, as said term is defined herein and in accordance with Section 1165(e)(3)(E)(iii) of the PR Code.

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4.    PR Code
The Puerto Rico Internal Revenue Code of 1994, as amended.  Reference to a Section or Subsection of the PR Code and regulations promulgated thereunder includes reference to any comparable or succeeding provisions of any legislation or regulation that amends, supplements or replaces such Section or Subsection.
5.    Affiliate
An “Affiliate” means any corporation during the time it belongs to a “controlled group” (as defined by PR Code Section 1028) of which an Employer is a member.
6.    PR Participant
The term “PR Participant” means:
a.    a Participant whose compensation is subject to PR income taxes;
b.    whose services are primarily provided in Puerto Rico; and
c.    who, during the time when the services were provided, was a bona fide resident of Puerto Rico.
C.    Rollover Contributions
1.    In general.  A PR Participant may roll over into the Plan any amount eligible for a tax‐free rollover if the requirements of Section 1165(b)(2) of the PR Code are met.
2.    Rollover Contributions rolled over to the Plan must be made within sixty (60) days of receipt by the PR Participant and in the form of cash, unless otherwise specifically permitted by the Committee.
3.    Notwithstanding any provision of the Plan to the contrary that would otherwise limit a Distributee’s, as defined below, election under this PR Appendix, a Distributee may, by making an Appropriate Request at the time and in the manner prescribed by the Committee, to have an Eligible Rollover Distribution, as defined below, paid directly to an Eligible Retirement Plan, as defined below, specified by the Distributee in a Direct Rollover, as defined below.  For purposes of this Section, the following definitions apply:
a.    Eligible Rollover Distribution:  An Eligible Rollover Distribution includes any distribution of all of the balance to the credit of the Distributee, except that an Eligible Rollover Distribution does not include:  any distribution that is one of a series of substantially equal periodic payments (not less frequently than annually) made for the life (or life expectancy) of the Distributee or the joint lives (or joint life expectancies) of the Distributee and the Distributee’s Beneficiary, or for a specified period of ten years or more; and the 

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portion of any distribution that is not includable in gross income (determined without regard to the exclusion for net unrealized appreciation with respect to employer securities).
b.    Eligible Retirement Plan:  An Eligible Retirement Plan also includes an individual retirement account or annuity plan described in PR Code Section 1169(a), or a qualified trust described in PR Code Section 1165(a), that accepts the Distributee’s Eligible Rollover Distribution.
c.    Distributee:  A Distributee includes a PR Participant or former PR Participant.
d.    Direct Rollover.  A Direct Rollover is a payment by the Plan to the Eligible Retirement Plan specified by the Distributee.
D.    PR Participants ́ Regular Pre-Tax Contributions
A PR Participant shall be allowed to elect to have his or her Compensation reduced in an amount not less than one percent (1%) and not more than ten percent (10%), in whole increments of one percent (1%), as required under the PR Code.
In addition to the above, the Actual Deferral Percentage for any HCPRE for the Plan Year and who is eligible to have pre-tax contributions allocated to his account under two or more plans or arrangements described in PR Code Section 1165(e) that are maintained by the participating Employer or an Affiliate, shall be determined as if such pre-tax contributions were made under a single arrangement.
E.    Annual Limitation on PR Participants ́ Regular Pre-Tax Contributions
1.    In no event shall a PR Participant’s Regular Pre-Tax Contributions during any calendar year exceed $8,000 or such other amount as may be permitted under the PR Code.  If a PR Participant’s Regular Pre-Tax Contributions, together with any additional elective contributions to a qualified cash or deferred arrangement, and any elective deferrals under a tax-sheltered annuity program or a simplified employee pension plan, exceed such dollar limitation for any calendar year, such excess, and any earnings allocable thereto, shall be distributed to the PR Participant; provided that, if such excess contributions were made to a plan or arrangement not maintained by the Employer or an Affiliate, the PR Participant must notify the Committee by March 1 of the following year of the amount of such excess allocable to this Plan.

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2.    Notwithstanding any other provision of this Plan to the contrary, the Regular Pre-Tax Contributions for the HCPREs for a Plan Year shall be reduced in accordance with the following provisions:
a.    The Regular Pre-Tax Contributions of the HCPRE shall be reduced if neither of the Actual Deferral Percentage Tests set forth in (A) or (B) below is satisfied after taking into account the provisions of subsection (6) below:
		
	A.
	The 1.25 Test.  The Actual Deferral Percentage of the HCPREs is not more than the Actual Deferral Percentage of the NHCPREs multiplied by 1.25.

		
	B.
	The 2.0 Test.  The Actual Deferral Percentage of the HCPREs is not more than 2 percentage points greater than the Actual Deferral Percentage of the NHCPREs and the Actual Deferral Percentage of the HCPREs is not more than the Actual Deferral Percentage of the NHCPREs multiplied by 2.0.

b.    As used in this subsection, “Actual Deferral Percentage” means:
		
	A.
	With respect to NHCPREs, the average of the ratios of each NHCPRE’s Regular Pre-Tax Contributions with respect to the current  Plan Year, to each such NHCPRE’s Compensation for such Plan Year; and

		
	B.
	With respect to HCPREs, the average of the ratios of each HCPRE’s Regular Pre-Tax Contributions with respect to the current Plan Year, to each such HCPRE’s Compensation for such Plan Year.

c.    If neither Actual Deferral Percentage Test is satisfied as of the end of the Plan Year, the Committee shall cause the Regular Pre-Tax Contributions for the HCPREs to be reduced and refunded to each such HCPRE until either Actual Deferral Percentage Test is satisfied.  The sequence of such reductions and refunds shall begin with HCPREs who deferred the greatest percentage, starting with the unmatched Regular Pre-Tax Contributions, if any, then the second greatest percentage, continuing until either Actual Deferral Percentage Test is satisfied.  This process shall continue through the remaining unmatched Regular Pre-Tax Contributions, if any, and continuing with the matched Regular Pre-Tax Contributions until either Actual Deferral Percentage Test is satisfied.  Once either Actual Deferral Percentage Test is satisfied, the Contributions shall direct the Trustee to distribute to the appropriate HCPREs the amount of the reduction of the Regular Pre-Tax Contributions of each such HCPRE and to treat as forfeitures the appropriate amount of Employer Matching Contributions, together with the net earnings or losses allocable thereto.  The Committee shall designate such distribution and forfeiture as a distribution and forfeiture 

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of excess contributions, determine the amount of the allocable net earnings or losses to be distributed in accordance with subsection (3) below, and cause such distributions and forfeitures to occur prior to the end of the Plan Year following the Plan Year in which the excess Regular Pre-Tax Contributions and excess Employer Matching Contributions were made.
3.    Net earnings or losses to be refunded with the excess Regular Pre-Tax Contributions shall be equal to the net earnings or losses on such contributions for the Plan Year in which the contributions were made.
4.    Net earnings or losses to be treated as forfeitures together with the Employer Matching Contributions shall be equal to the net earnings or losses on such contributions for the Plan Year in which the contributions were made.  Net earnings or losses on Employer Matching Contributions shall be determined in the same manner as in subsection (3) above, except that the phrase “Employer Matching Contributions” shall be substituted for the phrase “Regular Pre-Tax Contributions” wherever used therein.
5.    Employer Matching Contributions treated as forfeitures pursuant to subsection (b) above shall be used to reduce future Employer Matching Contributions to the Plan.
6.    To avoid the need to make adjustments pursuant to this Section:
a.    The Committee may adopt such rules as it deems necessary or desirable to:
		
	A.
	impose limitations during a Plan Year on the percentage of Regular Pre-Tax Contributions elected by PR Participants pursuant to the Plan for the purpose of avoiding the necessity of adjustments pursuant to this section or to comply with any other applicable law or regulation; or

		
	B.
	increase during a Plan Year the percentage of Deferral Compensation with respect to which a PR Participant may elect  Regular Pre-Tax Contributions for the purpose of providing PR Participants with the opportunity to increase their Regular Pre-Tax Contributions within the limitations of this section.

b.    The Employer may, at its sole discretion, make fully vested contributions to the Plan which will be allocated to one or more PR Participants who are NHCPREs in such amounts as the Employer directs for the purpose of complying with the applicable limits of the PR Code.  Such contributions will not be taken into account in the allocation of the Employer Matching Contributions.

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F.    Discretionary Contributions
The Plan Administrator may elect to have all or a portion of the Discretionary Contributions (that meet the requirements of the applicable Puerto Rico Treasury Regulations) for a calendar year taken into account in calculating the PR Code Section 1165(a)(3) tests for that year.
G.    Withdrawals
General Rules.  In accordance with Section 6.2 of the Plan, a PR Participant, upon making an Appropriate Request, and with approval of the Committee, may make a withdrawal from his Account in cash (or its equivalent).  No PR Participant shall be permitted to make a withdrawal under Section 6.2 more often than once in any one-year period.  A PR Participant may not make any Employee Pre-Tax Contributions under Section 3.1 of the Plan for each payroll period that begins during the period starting on the withdrawal approval date and ending twelve (12) months following that date, nor may he make any other election contributions to any “employee plan” pursuant to Section 1165-8(d)(2)(iii)(B) of the PR Code.  Following such 12-month period, the PR Participant may resume his Employee Pre-Tax Contributions only as permitted by the PR Code.
A PR Participant may make a withdrawal under Section 6.2 only to meet a financial obligation for:
1.    Unreimbursed expenses for medical care (as defined in Section 1023(a)(2)(P) of the PR Code) incurred by the PR Participant, his or her spouse or any dependent (as defined in Section 1025 of the PR Code) of the PR Participant, or necessary to enable any such person to obtain such care;
2.    Down payment and closing costs (excluding mortgage payments) directly related to the purchase of the PR Participant’s principal residence;
3.    Payment of tuition, room and board and related educational expenses for up to the next 12 months of post-secondary education for the PR Participant, his or her spouse, children or any dependent (as defined in Section 1025 of the PR Code) of the PR Participant; or
4.    Prevention of the eviction of the PR Participant from his or her principal residence or foreclosure on the mortgage or deed of trust on the PR Participant’s principal residence.
5.    The Secretary of the Puerto Rico Department of the Treasury may expand the above list under published documents of general applicability, as provided under Puerto Rico Treasury Regulation §1165-8(d)(2)(ii)(B).

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H.    Use of Terms
All terms and provisions of the Plan shall apply to this PR Appendix, except that where the terms and provisions of the Plan and this PR Appendix conflict, the terms and provisions of this PR Appendix shall govern with respect to PR Participants.
I.    Effective Date
The provisions of this PR Appendix shall be effective as of January 1, 2003.
J.    Miscellaneous
1.    Information Between Plan Administrator and Trustee .  The Plan Administrator and the Trustee will furnish each other such information relating to the Plan and Trust as may be required under the PR Code and any regulations issued or forms adopted by the Puerto Rico Treasury Department thereunder or under ERISA and any regulations issued.
2.    Governing Law.  This PR Appendix will be construed, administered and enforced according to the laws of the Commonwealth of Puerto Rico to the extent such laws are not inconsistent with and/or preempted by ERISA.
3.    Exclusive Benefit of Participants.  All contributions made by an Employer are conditional upon qualification of the Plan under PR Code Section 1165(a) and upon deductibility under PR Code Section 1023.  Notwithstanding anything in the Plan to the contrary, it shall be prohibited at any time for any part of the Trust Fund (other than such part as is required to pay taxes and administrative expenses) to be used for, or diverted to purposes other than for the exclusive benefit of the Participants or their Beneficiaries, except that upon the direction of the Committee, (a) any contribution made by an Employer by a mistake of fact shall be returned to an Employer within one year after the payment of the contribution; (b) any contribution shall be returned to the Employer within one year after the denial of initial qualification of the Plan under PR Code Section 1165(a); and (c) any contribution may be returned to the extent disallowed as a deduction under PR Code Section 1023(n) within one year after the disallowance of the deduction.
4.    In accordance with Rev. Rul. 2008-40, the benefits under this Plan of PR Participants were transferred to a plan based in Puerto Rico effective as of December 31, 2010.  Such transfer operates as a complete discharge of the Trustee, the Committee, the Plan Administrator and the Trust Fund in respect to the benefits of PR Participants under this Plan.

F-7
14777384v.6

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00213-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00213-of-00352.parquet"}]]