Document:

Fourth Supplemental Indenture

 Exhibit 4.29 
 THE CHARLES SCHWAB CORPORATION, as Issuer 
 and 

THE BANK OF NEW YORK MELLON TRUST COMPANY, N.A., as Trustee 

 
  

0.850% Senior Notes due 2015 
  

 
 Fourth
Supplemental Indenture 
 Dated as of December 6, 2012 

to 

Senior Indenture dated as of June 5, 2009 

 Table of Contents 

 

							
	 	  	Page	 
		
	ARTICLE I DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION	  	 	1	 
	Section 1.01	  	Definitions	  	 	1	 
	Section 1.02	  	Conflicts with Base Indenture	  	 	3	 
		
	ARTICLE II FORM OF NOTES	  	 	3	 
	Section 2.01	  	Form of Notes	  	 	3	 
		
	ARTICLE III THE NOTES	  	 	4	 
	Section 3.01	  	Amount; Series; Terms	  	 	4	 
	Section 3.02	  	Denominations	  	 	5	 
	Section 3.03	  	Execution, Authentication, Delivery and Dating	  	 	5	 
	Section 3.04	  	Additional Notes	  	 	5	 
		
	ARTICLE IV OPTIONAL REDEMPTION OF SECURITIES	  	 	6	 
	Section 4.01	  	Optional Redemption	  	 	6	 
		
	ARTICLE V COVENANTS AND REMEDIES	  	 	7	 
	Section 5.01	  	Limitations on Liens	  	 	7	 
		
	ARTICLE VI SUPPLEMENTAL INDENTURES	  	 	8	 
	Section 6.01	  	Supplemental Indentures with Consent of Holders	  	 	8	 
		
	ARTICLE VII MISCELLANEOUS	  	 	8	 
	Section 7.01	  	Sinking Funds	  	 	8	 
	Section 7.02	  	Conversion of Notes	  	 	8	 
	Section 7.03	  	Confirmation of Indenture	  	 	8	 
	Section 7.04	  	Counterparts	  	 	8	 
	Section 7.05	  	Governing Law	  	 	8	 
	Section 7.06	  	Trustee	  	 	8	 
			
	Exhibit A	  	Form of Note	  	 	A-1	 

  
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 FOURTH SUPPLEMENTAL INDENTURE, dated as of December 6, 2012 (“Supplemental
Indenture”), to the Indenture dated as of June 5, 2009 (as amended, modified or supplemented from time to time in accordance therewith, other than with respect to a particular series of debt securities, the “Base
Indenture” and, as amended, modified and supplemented by this Supplemental Indenture, the “Indenture”), by and among THE CHARLES SCHWAB CORPORATION (the “Company”), and THE BANK OF NEW YORK MELLON TRUST
COMPANY, N.A., as trustee (the “Trustee”). 
 Each party agrees as follows for the benefit of the other party
and for the equal and ratable benefit of the Holders of the Notes: 
 WHEREAS, the Company has duly authorized the execution and
delivery of the Base Indenture to provide for the issuance from time to time of senior debt securities to be issued in one or more series as provided in the Base Indenture; 
 WHEREAS, the Company has duly authorized the execution and delivery, and desires and has requested the Trustee to join it in the execution and delivery, of this Supplemental Indenture in order to
establish and provide for the issuance by the Company of a series of Securities designated as its 0.850% Senior Notes due 2015 (the “Notes”), on the terms set forth herein; 

WHEREAS, Article IX of the Base Indenture provides that a supplemental indenture may be entered into by the parties for such purpose
provided certain conditions are met; 
 WHEREAS, the conditions set forth in the Base Indenture for the execution and delivery
of this Supplemental Indenture have been met; and 
 WHEREAS, all things necessary to make this Supplemental Indenture a valid
and legally binding agreement of the parties, in accordance with its terms, and a valid and legally binding amendment of, and supplement to, the Base Indenture with respect to the Notes have been done; 

NOW, THEREFORE: 

ARTICLE I 

DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 
 Section 1.01 Definitions. Capitalized terms used herein and not otherwise defined herein have the meanings assigned to them in the Base Indenture. The words “herein”,
“hereof” and “hereby” and other words of similar import used in this Supplemental Indenture refer to this Supplemental Indenture as a whole and not to any particular section hereof. 

As used herein, the following terms have the specified meanings: 

“Additional Notes” has the meaning specified in Section 3.04 of this Supplemental Indenture. 

  
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 “Base Indenture” has the meaning specified in the recitals of this
Supplemental Indenture. 
 “Business Day” means any day other than (i) a Saturday or Sunday or (ii) a
day on which banking institutions in Los Angeles, California or New York, New York are authorized or obligated by law or executive order to close. 
 “Company” has the meaning specified in the recitals of this Supplemental Indenture. 
 “Comparable Treasury Issue” means the United States Treasury security or securities selected by the Quotation Agent as having an actual or interpolated maturity comparable to the
remaining term of the Notes to be redeemed that would be utilized, at the time of selection and in accordance with customary financial practice, in pricing new issues of corporate debt securities of a comparable maturity to the remaining term of
such Notes. 
 “Comparable Treasury Price” means, with respect to any Redemption Date pursuant to
Section 4.01 of this Supplemental Indenture, (A) the arithmetic average of the Reference Treasury Dealer Quotations for such Redemption Date, after excluding the highest and lowest such Reference Treasury Dealer Quotations, or (B) if
the Quotation Agent obtains fewer than four such Reference Treasury Dealer Quotations, the arithmetic average of all such quotations for such Redemption Date. 
 “Depositary” means The Depository Trust Company or such other Depositary designated by the Company from time to time. 

“Indenture” has the meaning specified in the recitals of this Supplemental Indenture. 

“Initial Notes” has the meaning set forth in Section 3.01(b) of this Supplemental Indenture. 

“Interest Payment Date” has the meaning set forth in Section 3.01(d) of this Supplemental Indenture. 

“ISIN” means International Securities Identifying Number. 

“Notes” has the meaning specified in the recitals of this Supplemental Indenture. 

“Permitted Liens” has the meaning set forth in Section 5.01 of this Supplemental Indenture. 

“Primary Treasury Dealer” means a primary U.S. Government securities dealer in the United States. 

“Quotation Agent” means the Reference Treasury Dealer that is selected by the Company in connection with an optional
redemption pursuant to Article IV hereof to act as Quotation Agent in addition to acting as a Reference Treasury Dealer; provided, however, that if such Reference Treasury Dealer ceases to be a Primary Treasury Dealer, the Company will
substitute another Primary Treasury Dealer. 

  
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 “Redemption Date,” when used with respect to any Note, means the date
specified for redemption by the Company. 
 “Redemption Price” means, when used with respect to any Note to be
redeemed, the price at which it is to be redeemed pursuant to this Supplemental Indenture. 
 “Reference Treasury
Dealer” means (i) Citigroup Global Markets Inc. (or its successor) or any affiliate that is a Primary Treasury Dealer, (ii) Goldman, Sachs & Co. (or its successor) or any affiliate that is a Primary Treasury Dealer and
(iii) up to two other Primary Treasury Dealers that are selected by the Company; provided, however, that if any of the foregoing or their affiliates cease to be a Primary Treasury Dealer, the Company will substitute therefor
another Primary Treasury Dealer. 
 “Reference Treasury Dealer Quotations” means, with respect to each
Reference Treasury Dealer and any Redemption Date, the arithmetic average, as determined by the Quotation Agent, of the bid and asked prices for the Comparable Treasury Issue (expressed in each case as a percentage of its principal amount) quoted in
writing to the Quotation Agent by such Reference Treasury Dealer at 3:30 p.m., New York City time, on the third Business Day preceding such Redemption Date. 
 “Regular Record Date” has the meaning set forth in Section 3.01(d) of this Supplemental Indenture. 
 “Supplemental Indenture” has the meaning specified in the recitals of this Supplemental Indenture. 
 “Treasury Rate” means, with respect to any Redemption Date pursuant to Section 4.01 of this Supplemental Indenture, the rate per annum equal to the semiannual equivalent yield to
maturity or interpolated (on a day count basis) of the Comparable Treasury Issue, assuming a price for the Comparable Treasury Issue (expressed as a percentage of its principal amount) equal to the Comparable Treasury Price for such Redemption Date.

 “Voting Securities” has the meaning specified in Section 5.01 of this Supplemental Indenture.

 Section 1.02 Conflicts with Base Indenture. In the event that any provision of this Supplemental Indenture limits,
qualifies or conflicts with a provision of the Base Indenture, such provision of this Supplemental Indenture shall control. 

ARTICLE II 
 FORM
OF NOTES 
 Section 2.01 Form of Notes. The Notes shall be substantially in the form of Exhibit A hereto which is
hereby incorporated in and expressly made a part of this Indenture. 

  
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 ARTICLE III 
 THE NOTES 
 Section 3.01 Amount; Series; Terms. (a) There is
hereby created and designated a series of Securities under the Base Indenture: the title of the Notes shall be “0.850% Senior Notes Due 2015”. The changes, modifications and supplements to the Base Indenture effected by this Supplemental
Indenture shall be applicable only with respect to, and govern the terms of, the Notes and shall not apply to any other series of Securities that may be issued under the Base Indenture unless a supplemental indenture with respect to such other
series of Securities specifically incorporates such changes, modifications and supplements. 
 (b) The aggregate principal
amount of Notes that initially may be authenticated and delivered under this Supplemental Indenture shall be limited to $350,000,000 (the “Initial Notes”), subject to increase as set forth in Section 3.04 of this Supplemental
Indenture. 
 (c) The Stated Maturity of the Notes shall be December 4, 2015. The Notes shall be payable and may be
presented for payment, redemption, registration of transfer and exchange, without service charge, at the Corporate Trust Office. 
 (d) The Notes shall bear interest at the rate of 0.850% per annum from and including December 6, 2012, or from the most recent date to which interest has been paid or duly provided for, as
further provided in the form of Note annexed hereto as Exhibit A. Interest shall be computed on the basis of a 360-day year composed of twelve 30-day months. The dates on which such interest shall be payable (each, an “Interest Payment
Date”) shall be June 4 and December 4 of each year, commencing on June 4, 2013, and the “Regular Record Date” for any interest payable on each such Interest Payment Date shall be the close of business on the
immediately preceding May 20 and November 19, respectively, whether or not a Business Day. Interest will be payable to the Holder of record on the Regular Record Date, provided, however, interest payable on the Stated Maturity will be paid
to the person to whom the principal will be payable. 
 (e) If any Interest Payment Date or the Stated Maturity of the Notes is
not a Business Day, then the related payment of interest or principal payable, as applicable, on such date will be paid on the next succeeding Business Day with the same force and effect as if made on such Interest Payment Date or Stated Maturity
and no further interest will accrue as a result of such delay. 
 (f) The Notes will be issued in the form of one or more Global
Securities, duly executed by the Company and authenticated by the Trustee as provided in Section 3.03 of this Supplemental Indenture and the Base Indenture and deposited with the Trustee as custodian for the Depositary or its nominee.

 (g) Initially, the Trustee will act as Paying Agent. The Company may change any Paying Agent without notice to the Holders.

  
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 Section 3.02 Denominations. The Notes shall be issuable only in registered form
without coupons and only in denominations of $1,000 and any multiple of $1,000 in excess thereof. 
 Section 3.03
Execution, Authentication, Delivery and Dating. The Notes shall be executed on behalf of the Company by its Chairman of the Board, its Chief Executive Officer, its Chief Financial Officer or its Treasurer, and attested by its Secretary or one
of its Assistant Secretaries. The signature of any of these officers on the Notes may be manual or facsimile and shall not be required to be under the Company’s corporate seal. 

Notes bearing the manual or facsimile signatures of individuals who were at any time the proper officers of the Company shall bind the
Company, notwithstanding that such individuals or any of them have ceased to hold such offices prior to the authentication and delivery of such Notes or did not hold such offices at the date of such Notes. 

Pursuant to a Company Order, the Trustee shall authenticate for original issue Notes in an aggregate principal amount specified in the
Company Order. The Trustee shall be provided with an Officer’s Certificate and an Opinion of Counsel of the Company that it may reasonably request in connection with such authentication of Notes. Such Company Order shall specify the amount of
Notes to be authenticated and the date on which the original issue of Notes is to be authenticated. 
 Each Note shall be dated
the date of its authentication. 
 No Note shall be entitled to any benefit under this Indenture or be valid or obligatory for
any purpose unless there appears on such Note a certificate of authentication substantially in the form provided for in the Base Indenture executed by the Trustee by manual or facsimile signature, and such certificate upon any Note shall be
conclusive evidence, and the only evidence, that such Note has been duly authenticated and delivered hereunder. 

Section 3.04 Additional Notes. The Company may, from time to time, subject to compliance with any other applicable provisions
of this Indenture, without notice to or consent of the Holders of the Notes, create and issue pursuant to this Indenture additional Notes (“Additional Notes”) having terms and conditions set forth in this Supplemental Indenture,
identical to the Notes issued on the date hereof, except that Additional Notes may: 
 (i) have a different issue
date than other Outstanding Notes; 
 (ii) have a different issue price than other Outstanding Notes; and

 (iii) have a different amount of interest payable on the first Interest Payment Date after issuance than is
payable on other Outstanding Notes of such series; 
 provided, no Additional Notes shall be issued unless such Additional Notes will be
fungible for U.S. federal income tax and securities law purposes with Notes issued on the date hereof; and provided further, the Additional Notes have the same CUSIP number as the Notes issued

  
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on the date hereof. No Additional Notes may be issued if on the issue date therefor, any Event of Default has occurred and is continuing. 

The Notes issued on the date hereof and any Additional Notes shall be treated as a single class for all purposes under this Indenture,
including waivers, amendments and United States federal tax purposes. 
 With respect to any issuance of Additional Notes, the
Company shall deliver to the Trustee a resolution of the Board of Directors or, if applicable, a certificate signed by the Chairman of the Board of Directors of the Company, the Chief Executive Officer, the Chief Financial Officer or the Treasurer
of the Company and an Officers’ Certificate in respect of such Additional Notes, which shall together provide the following information: 
 (i) the aggregate principal amount of such Additional Notes to be authenticated and delivered pursuant to this Indenture; and 
 (ii) the issue date, issue price, the first Interest Payment Date, the amount of interest accrued and payable on the first Interest Payment Date, the CUSIP number and corresponding ISIN of such Additional
Notes. 
 ARTICLE IV 
 OPTIONAL REDEMPTION OF SECURITIES 
 Section 4.01 Optional Redemption.
(a) The provisions of Article XI of the Base Indenture, as supplemented by the provisions of this Supplemental Indenture, shall apply to the Notes. 
 (b) At any time and from time to time, the Notes shall be redeemable, as a whole or in part, at the Company’s option, on at least 30 days, but not more than 60 days, prior notice mailed to the
registered address of each Holder of the Notes to be redeemed, at a Redemption Price equal to the greater of (i) 100% of the principal amount of the Notes to be redeemed, or (ii) as determined by the Quotation Agent, the sum of the present
values of the remaining scheduled payments of interest and principal thereon (exclusive of interest accrued and unpaid to, but not including, the Redemption Date) discounted to the Redemption Date on a semiannual basis, assuming a 360-day year
consisting of twelve 30-day months, at the Treasury Rate plus 10 basis points, plus, in either case, accrued and unpaid interest to, but not including, the Redemption Date for such Notes; provided, however, if the Redemption Date is after a
Regular Record Date and on or prior to a corresponding Interest Payment Date, such accrued and unpaid interest will be paid on the Redemption Date to the holder of record on the Regular Record Date. 

(c) On and after the Redemption Date for such Notes, interest will cease to accrue on such Notes or any portion thereof called for
redemption, unless the Company defaults in the payment of the Redemption Price and accrued interest, if any. On or before the Redemption Date for the Notes, the Company shall deposit with the Trustee or a Paying Agent, funds sufficient to pay the
Redemption Price of the Notes to be redeemed on the 

  
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Redemption Date, and accrued and unpaid interest, if any, on such Notes. If less than all of the Notes are to be redeemed, the Notes to be redeemed shall be selected in accordance with the
procedures of the Depositary; provided, however, that in no event, shall Notes of a principal amount of $1,000 or less be redeemed in part. 
 (d) Notice of any redemption shall be mailed at least 30 days but not more than 60 days before the Redemption Date to each Holder of the Notes to be redeemed; provided, however, that if the
Trustee is asked to give such notice it shall be notified in writing of such request at least 15 days prior to the date of the giving of such notice (unless a shorter notice shall be satisfactory to the Trustee). Such notice shall state the
Redemption Price (if known) or the formula pursuant to which the Redemption Price is to be determined if the Redemption Price cannot be determined at the time the notice is given. If the Redemption Price cannot be determined at the time such notice
is to be given, the actual Redemption Price, calculated as described above in clause (b), shall be set forth in an Officer’s Certificate of the Company delivered to the Trustee no later than two Business Days prior to the Redemption Date.
Notice of redemption having been given as provided in the Indenture, the Notes called for redemption shall become due and payable on the Redemption Date and at the applicable Redemption Price, plus accrued and unpaid interest, if any, to, but not
including, the Redemption Date. 
 ARTICLE V 
 COVENANTS AND REMEDIES 
 Section 5.01 Limitations on Liens. The
Company (or any successor corporation) will not, and will not permit any Subsidiary to, create, assume, incur or guarantee any indebtedness for borrowed money secured by a pledge, lien or other encumbrance, except for Permitted Liens (defined
below), on the Voting Securities (defined below) of Charles Schwab & Co., Inc., Charles Schwab Bank, Charles Schwab Investment Management, Inc., or Schwab Holdings, Inc. unless the Company shall cause the Notes to be secured equally and
ratably with (or, at the Company’s option, prior to) any indebtedness secured thereby. “Permitted Liens” means (i) liens for taxes or assessment or governmental charges or levies (a) that are not then due and
delinquent, (b) the validity of which is being contested in good faith or (c) which are less than $1,000,000 in amount; (ii) liens created by or resulting from any litigation or legal proceedings which are currently being contested in
good faith by appropriate proceedings or which involve claims of less than $1,000,000; (iii) deposits to secure (or in lieu of) surety, stay, appeal or customs bonds; and (iv) such other liens as the Board of Directors of the Company
determines do not materially detract from or interfere with the present value or control of the Voting Securities subject thereto or affected thereby. “Voting Securities” means stock of any class or classes having general voting
power under ordinary circumstances to elect a majority of the board of directors, managers or trustees of the corporation in question, provided that, for the purposes hereof, stock which carries only the right to vote conditionally on the
happening of an event shall not be considered voting stock whether or not such event shall have happened. 

  
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 ARTICLE VI 
 SUPPLEMENTAL INDENTURES 
 Section 6.01 Supplemental Indentures with
Consent of Holders. The terms of this Supplemental Indenture may be modified as set forth in Article IX of the Base Indenture. For the avoidance of doubt, no supplemental indenture shall, without the consent of the Holder of each Outstanding
Note affected thereby, reduce the Redemption Price of any Note. 
 ARTICLE VII 

MISCELLANEOUS 

Section 7.01 Sinking Funds. Article XII of the Base Indenture shall have no application. The Notes shall not have the benefit
of a sinking fund. 
 Section 7.02 Conversion of Notes. Article XIV of the Base Indenture shall have no application.
The Notes shall not be convertible into shares of Common Stock of the Company. 
 Section 7.03 Confirmation of
Indenture. The Base Indenture, as supplemented and amended by this Supplemental Indenture and all other indentures supplemental thereto, is in all respects ratified and confirmed, and the Base Indenture, this Supplemental Indenture and all
indentures supplemental thereto shall be read, taken and construed as one and the same instrument. 
 Section 7.04
Counterparts. The parties hereto may sign one or more copies of this Supplemental Indenture in counterparts, all of which together shall constitute one and the same agreement. 

Section 7.05 Governing Law. THIS SUPPLEMENTAL INDENTURE AND THE NOTES SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH,
THE LAWS OF THE STATE OF CALIFORNIA. 
 Section 7.06 Trustee. The Trustee makes no representations as to the
validity or sufficiency of this Supplemental Indenture. The recitals herein are deemed to be those of the Company and not of the Trustee. 

  
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 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly
executed as of the day and year first written above. 
  

			
	 THE CHARLES SCHWAB CORPORATION,
 as Issuer

		
	By:	 	 /s/ Joseph R. Martinetto

		 	Name:  Joseph R. Martinetto
		 	 Title:  Executive Vice President and Chief
           Financial Officer

	
	 THE BANK OF NEW YORK MELLON
 TRUST COMPANY, N.A., as Trustee

		
	By:	 	 /s/ Melonee Young

		 	Name:  Melonee Young
		 	Title:  Vice President

  
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 EXHIBIT A 
 FORM OF NOTE 
 THIS SECURITY IS A GLOBAL SECURITY WITHIN THE MEANING OF THE
INDENTURE HEREINAFTER REFERRED TO AND IS REGISTERED IN THE NAME OF A DEPOSITARY OR A NOMINEE THEREOF. THIS SECURITY MAY NOT BE EXCHANGED IN WHOLE OR IN PART FOR A SECURITY REGISTERED, AND NO TRANSFER OF THIS SECURITY IN WHOLE OR IN PART MAY BE
REGISTERED, IN THE NAME OF ANY PERSON OTHER THAN SUCH DEPOSITARY OR A NOMINEE THEREOF, EXCEPT IN THE LIMITED CIRCUMSTANCES DESCRIBED IN THE INDENTURE. 
 UNLESS THIS NOTE IS PRESENTED BY AN AUTHORIZED REPRESENTATIVE OF THE DEPOSITORY TRUST COMPANY, A NEW YORK CORPORATION (“DTC”), TO THE ISSUER OR ITS AGENT FOR REGISTRATION OF TRANSFER,
EXCHANGE OR PAYMENT, AND ANY NOTE ISSUED IS REGISTERED IN THE NAME OF CEDE & CO. OR IN SUCH OTHER NAME AS IS REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC (AND ANY PAYMENT IS MADE TO CEDE & CO. OR TO SUCH OTHER ENTITY AS IS
REQUESTED BY AN AUTHORIZED REPRESENTATIVE OF DTC), ANY TRANSFER, PLEDGE OR OTHER USE HEREOF FOR VALUE OR OTHERWISE BY OR TO ANY PERSON IS WRONGFUL INASMUCH AS THE REGISTERED OWNER HEREOF, CEDE & CO., HAS A BENEFICIAL INTEREST HEREIN.

 TRANSFERS OF THIS NOTE ARE LIMITED TO TRANSFERS IN WHOLE, BUT NOT IN PART, TO NOMINEES OF DTC OR TO A SUCCESSOR THEREOF OR
SUCH SUCCESSOR’S NOMINEE AND TRANSFERS OF PORTIONS OF THIS GLOBAL SECURITY ARE LIMITED TO TRANSFERS MADE IN ACCORDANCE WITH THE RESTRICTIONS SET FORTH IN THE INDENTURE REFERRED TO ON THE REVERSE HEREOF. 

  
 A-1

 THE CHARLES SCHWAB CORPORATION 

0.850% SENIOR NOTES DUE 2015 
  

					
	No. [    ]	 		  	 CUSIP No.: 808513AH8
 ISIN No.: US808513AH80

 THE CHARLES SCHWAB CORPORATION, a Delaware corporation (the “Issuer”), for value
received promises to pay to CEDE & CO., or its registered assigns, the principal sum of [ ] DOLLARS, or such lesser amount as is indicated in the records of the Trustee and Depositary, on December 4, 2015. 

Interest Payment Dates: June 4 and December 4 of each year (each, an “Interest Payment Date”), commencing on
June 4, 2013. 
 Interest Record Dates: May 20 and November 19 (each, a “Regular Record Date”).

 Reference is made to the further provisions of this Note contained herein, which will for all purposes have the same effect
as if set forth at this place. 
 Dated:
[                    ] 

  
 A-2

 IN WITNESS WHEREOF, the Issuer has caused this Note to be signed manually or by facsimile by
its duly authorized officers. 
  

			
	THE CHARLES SCHWAB CORPORATION
		
	By:	 	  

		 	Name:  Joseph R. Martinetto
		 	 Title:  Executive Vice President and Chief
 Financial Officer

  

	
	Attest:
	
	  

	Name:
	Title:

  
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 This is one of the Notes of the series designated herein and referred to in the within-mentioned Indenture.

 Dated: 
  

			
	 THE BANK OF NEW YORK MELLON
 TRUST COMPANY, N.A., as Trustee

		
	By:	 	  

		 	Authorized Signatory

  
 A-4

 (REVERSE OF NOTE) 
 THE CHARLES SCHWAB CORPORATION 
 0.850% Senior Notes due 2015 

1. Interest. 

The Charles Schwab Corporation (the “Issuer”) promises to pay interest on the principal amount of this Note at the rate
per annum described above. Cash interest on the Notes will accrue from the most recent date to which interest has been paid; or, if no interest has been paid, from and including December 6, 2012. Interest on this Note will be paid to but
excluding the relevant Interest Payment Date or on such earlier date as the principal amount shall become due in accordance with the provisions hereof. Interest will be payable to the Holder of record on the Regular Record Date, provided, however,
interest payable on the Stated Maturity will be paid to the person to whom the principal will be payable. The Issuer will pay interest semi-annually in arrears on each Interest Payment Date, commencing June 4, 2013. If any Interest Payment Date
or the Stated Maturity of the Notes is not a Business Day, then the related payment of interest or principal payable, as applicable, on such date will be paid on the next succeeding Business Day with the same force and effect as if made on such
Interest Payment Date or Stated Maturity and no further interest will accrue as a result of such delay. Interest will be computed on the basis of a 360-day year consisting of twelve 30-day months. 

The Issuer shall pay interest on overdue principal from time to time on demand by the Trustee pursuant to Section 5.3 of the Base
Indenture (defined below) at the rate borne by the Notes and on overdue installments of interest (without regard to any applicable grace periods) to the extent lawful. 
 2. Paying Agent. 
 Initially, The Bank of New York Mellon Trust Company, N.A. (the
“Trustee”) will act as paying agent. The Issuer may change any paying agent without notice to the Holders. 

3. Indenture; Defined Terms. 
 This Note is one of the 0.850% Senior Notes due 2015 (the “Notes”) issued under the Senior Indenture dated as of June 5, 2009 (as amended, modified or supplemented from time to time
in accordance therewith, the “Base Indenture” and, as amended, modified and supplemented by the Fourth Supplemental Indenture dated as of December 6, 2012, the “Indenture”) by and between the Issuer and the
Trustee, as trustee. This Note is a “Global Security” and the Notes are “Global Securities” under the Indenture. 
 For purposes of this Note, unless otherwise defined herein, capitalized terms herein are used as defined in the Indenture. The terms of the Notes include those stated in the Indenture and those made part
of the Indenture by reference to the Trust Indenture Act of 1939 (15 U.S.C. Sections 77aaa-77bbbb) (the “TIA”) as in effect on the date on which the Indenture was qualified under the TIA. Notwithstanding anything to the contrary
herein, the Notes are subject to all such terms, and holders of Notes are referred to the Indenture and the 

  
 A-5

 
TIA for a statement of them. To the extent the terms of the Indenture and this Note are inconsistent, the terms of the Indenture shall govern. 

4. Denominations; Transfer; Exchange. 
 The Notes are in registered form, without coupons, in denominations of $1,000 and multiples of $1,000 thereafter. A Holder shall register the transfer or exchange of Notes in accordance with the
Indenture. The Issuer may require a Holder, among other things, to furnish appropriate endorsements and transfer documents and to pay certain transfer taxes or similar governmental charges payable in connection therewith as permitted by the
Indenture. The Issuer need not issue, authenticate, register the transfer of or exchange any Notes or portions thereof for a period of fifteen (15) days before the mailing of a notice of redemption, nor need the Issuer register the transfer or
exchange of any Note selected for redemption in whole or in part, except the unredeemed portion of any Security being redeemed in part. 
 5. Amendment; Modification; Waiver. 
 The Indenture permits, with certain
exceptions as therein provided, the amendment thereof and the modification of the rights and obligations of the Issuer and the rights of the Holders of the Securities of all series affected under the Indenture at any time by the Issuer and the
Trustee with the consent of the Holders of not less than a majority in aggregate principal amount of the Securities of all series at the time Outstanding affected thereby (voting together as a single class). The Indenture contains provisions
permitting the Holders of not less than a majority in aggregate principal amount of the Securities of all series at the time Outstanding with respect to which an Event of Default under the Indenture shall have occurred and be continuing (voting
together as a single class), on behalf of the Holders of all Securities of such affected series, to waive, with certain exceptions, such past default with respect to all such series and its consequences. The Indenture also permits the Holders of not
less than a majority in aggregate principal amount of the Securities of each series at the time Outstanding affected thereby (voting together as a single class), on behalf of the Holders of all Securities of such affected series, to waive compliance
by the Issuer with certain provisions of the Indenture. Any such consent or waiver by the Holder of this Note shall be conclusive and binding upon such Holder and upon all future Holders of this Note and of any Security issued upon the registration
of transfer hereof or in exchange therefor or in lieu hereof, whether or not notation of such consent or waiver is made upon this Note. 
 6. Optional Redemption. 
 The Issuer may redeem the Notes in whole or in part, at
its option, at any time or from time to time prior to maturity on at least 30 days, but not more than 60 days, prior notice mailed to the registered address of each Holder of the Notes (the “Redemption Date”). The redemption price
will be equal to the greater of: 
 (i) 100% of the principal amount of the Notes to be redeemed; or 

(ii) as determined by the Quotation Agent, the sum of the present values of the remaining scheduled payments of interest and principal
thereon (exclusive of interest accrued and unpaid to, but not including, the Redemption Date) discounted to the Redemption Date, 

  
 A-6

 
on a semi-annual basis (assuming a 360-day year consisting of twelve 30-day months), at a rate equal to the sum of the Treasury Rate plus 10 basis points, 

plus, in either case, accrued interest thereon to, but not including, the Redemption Date; provided, however, if the Redemption Date is after a
Regular Record Date and on or prior to a corresponding Interest Payment Date, such accrued and unpaid interest will be paid on the Redemption Date to the holder of record on the Regular Record Date. 

On and after the Redemption Date for the Notes, interest will cease to accrue on the Notes or any portion thereof called for redemption,
unless the Issuer defaults in the payment of the Redemption Price and accrued interest, if any. On or before the Redemption Date for the Notes, the Issuer shall deposit with the Trustee or a Paying Agent, funds sufficient to pay the Redemption Price
of the Notes to be redeemed on the Redemption Date, and accrued and unpaid interest, if any, on such Notes. If less than all of the Notes are to be redeemed, the Notes to be redeemed shall be selected in accordance with the procedures of the
Depositary; provided, however, that in no event, shall Notes of a principal amount of $1,000 or less be redeemed in part. 
 Notice of any redemption shall be mailed at least 30 days but not more than 60 days before the Redemption Date to each Holder of the Notes to be redeemed; provided, however, that if the
Trustee is asked to give such notice it shall be notified in writing of such request at least 15 days prior to the date of the giving of such notice (unless a shorter notice shall be satisfactory to the Trustee). Such notice shall state the
Redemption Price (if known) or the formula pursuant to which the Redemption Price is to be determined if the Redemption Price cannot be determined at the time the notice is given. If the Redemption Price cannot be determined at the time such notice
is to be given, the actual Redemption Price, calculated as described above, shall be set forth in an Officer’s Certificate of the Issuer delivered to the Trustee no later than two Business Days prior to the Redemption Date. Notice of redemption
having been given as provided in the Indenture, the Notes called for redemption shall become due and payable on the Redemption Date and at the applicable Redemption Price, plus accrued and unpaid interest, if any, to, but not including, the
Redemption Date. 
 7. Defaults and Remedies. 
 If an Event of Default with respect to Notes at the time Outstanding occurs and is continuing, then in every such case the Trustee or the Holders of not less than 25% in aggregate principal amount of the
Securities of all affected series then Outstanding (voting together as a single class) may declare the principal amount of all the Securities of the affected series to be due and payable immediately, by a notice in writing to the Issuer (and to the
Trustee if given by Holders), and upon any such declaration such principal amount (or specified amount) of and the accrued interest on all the Securities of such affected series shall become immediately due and payable. 

The Indenture permits, subject to certain limitations therein provided, Holders of not less than a majority in aggregate principal amount
of the Securities of all affected series (voting together as a single class) at the time Outstanding, to direct the time, method and 

  
 A-7

 
place of conducting any proceeding for any remedy available to the Trustee or exercising any trust or power conferred on the Trustee, with respect to the Securities of such series. 

8. Authentication. 
 This Note shall not be valid until the Trustee manually or by facsimile signs the certificate of authentication on this Note. 
 9. Abbreviations and Defined Terms. 
 Customary abbreviations may be used in the
name of a Holder of a Note or an assignee, such as: TEN COM (= tenants in common), TEN ENT (= tenants by the entireties), JT TEN (= joint tenants with right of survivorship and not as tenants in common), CUST (= Custodian), and U/G/M/A (= Uniform
Gifts to Minors Act). 
 10. CUSIP Numbers. 
 Pursuant to a recommendation promulgated by the Committee on Uniform Security Identification Procedures, the Issuer has caused CUSIP numbers to be printed on the Notes as a convenience to the Holders of
the Notes. No representation is made as to the accuracy of such numbers as printed on the Notes and reliance may be placed only on the other identification numbers printed hereon. 

11. Governing Law. 
 This Note and the Indenture shall be governed by, and construed in accordance with, the laws of the State of California. 

  
 A-8

 ASSIGNMENT FORM 
 To assign this Note, fill in the form below: 
 I or we assign and transfer this Note to

 (Print or type assignee’s name, address and zip code) 

(Insert assignee’s soc. sec. or tax I.D. No.) 
 and irrevocably appoint                  as agent to transfer this Note on the books of the Issuer. The agent may substitute
another to act for him. 
  

									
	Date:	 	  
	    	Your Signature:	 	  
	  	

 Sign exactly as your name appears on the other side of this Note. 

 

											
		 		 		 		  	  

	Signature Guarantee:	 		 		 		  	Signature	  	
				
	  
	 		 		  	  

	Signature must be guaranteed	 		 		 		  	Signature	  	

 Signatures must be guaranteed by an “eligible guarantor institution” meeting the requirements
of the Registrar, which requirements include membership or participation in the Security Transfer Agent Medallion Program (“STAMP”) or such other “signature guarantee program” as may be determined by the Registrar in
addition to, or in substitution for, STAMP, all in accordance with the United States Securities Exchange Act of 1934, as amended. 

  
 A-9Deferred Compensation Plan

 Exhibit 10.1 
 DFC GLOBAL CORP. 
 DEFERRED COMPENSATION PLAN 

AMENDED AND RESTATED EFFECTIVE AS OF December 5, 2012 

 DFC GLOBAL CORP. 

DEFERRED COMPENSATION PLAN 
 This DFC Global Corp. Deferred Compensation Plan (the “Plan”), was originally adopted by DFC Global Corp., a Delaware corporation (the “Company”), effective December 31, 2004, and
was established, and continues to exist, for the purpose of attracting high quality executives and promoting in its key executives increased efficiency and an interest in the successful operation of the Company. The Company amended and restated the
Plan effective as of January 1, 2009 in order to make certain design changes and to reflect final regulations under IRC Section 409A. The Company hereby amends and restates the Plan, effective December 5, 2012, to make certain design
changes. 
 The Company reserves the right to amend the Plan, either retroactively or prospectively, in whatever manner is
required to achieve and maintain compliance with the requirements of applicable law. 
 The Plan is an unfunded program and has
been established by the Company for the purpose of providing deferred compensation for a select group of management or highly compensated employees. 
 ARTICLE 1 
 Definitions 

1.1 Account(s) shall mean the Retirement Account and Scheduled Distribution Accounts, and any additional accounts established by
the Administrator for administrative convenience or otherwise for one or more Participants pursuant to ARTICLE 3 of the Plan. Deferrals shall be allocated to the Retirement Account or the Scheduled Distribution Account(s), as elected by the
Participant. Company Contributions under Section 2.5 shall be allocated to the Retirement Account. Company Contributions under Section 2.6 shall be allocated to the Retirement Account or the Scheduled Distribution Account(s), as elected by
the Participant. 
 1.2 Administrator shall mean the Company. From time to time the Chief Executive Officer of the
Company shall delegate to one or more individuals or to a committee the responsibilities of the Administrator under the Plan. 

1.3 Affiliate shall mean any company that (i) is included as a member with the Company in a controlled group of corporations,
within the meaning of IRC Section 414(b); (ii) is a trade or business (whether or not incorporated) included with the Company in a group of trades or business under common control, within the meaning of IRC Section 414(c); or
(iii) is required to be aggregated with the Company pursuant to IRC Section 414(m) or 414(o) and regulations thereunder. 
 1.4 Base Salary shall mean the Participant’s base annual salary excluding incentive and discretionary bonuses and other non-regular forms of compensation, before reductions for contributions
to or deferrals under any pension, deferred compensation or benefit plans sponsored by the Company. 

 1.5 Beneficiary shall mean the person(s) or entity designated as such in accordance
with ARTICLE 11 of the Plan. 
 1.6 Bonus shall mean amounts paid to the Participant by the Company annually in the form
of discretionary or incentive compensation or any other bonus designated by the Administrator, before reductions for contributions to or deferrals under any pension, deferred compensation or benefit plans sponsored by the Company. 

1.7 Change in Control shall mean a change in ownership or effective control of the Company, or in the ownership of a substantial
portion of the assets of the Company, as described in Treasury Regulation sections 1.409A-3(i)(5)(v), (vi) and (vii). 

1.8 Company shall have the meaning given to such term in the introductory paragraph of the Plan. 

1.9 Company Contribution shall mean the credits by the Company to the Participant’s Accounts pursuant to Sections 2.5 and 2.6
of the Plan. 
 1.10 Contribution Limitations shall mean any reductions in contributions made on behalf of a participant
to the Qualified Plan due to (i) the application of IRC Section 401(k) or (m) or due to an election to defer Base Salary or Bonus under the Plan, but excluding any reductions arising from the dollar limit under IRC
Section 402(g)(1); (ii) the limit on compensation taken into account under IRC Section 401(a)(17) in calculating employer or employee contributions for the Qualified Plan; or (iii) the maximum allocations permitted under the
Qualified Plan under IRC Section 415(c). The impact of such limits on the Participant for purposes of this Plan shall be determined by the Administrator based upon reasonable estimates, and after taking into account amounts distributed from the
Qualified Plan to the Participant as a result of the application of the IRC Section 401(k) and (m) testing, and shall be final and binding as of the date the Company Contribution is credited to the Participant’s Account. No subsequent
adjustments shall be made to increase Company Contributions under this Plan as a result of any adjustments ultimately required under the Qualified Plan due to actual employee contributions or other factors. 

1.11 Crediting Rate shall mean the notional gains and losses credited on the Participant’s Account balance which are based on
the Participant’s choice among the investment alternatives made available by the Administrator pursuant to ARTICLE 3 of the Plan. 
 1.12 Deferrals shall mean Base Salary and Bonus deferrals elected by the Participant pursuant to ARTICLE 2 of the Plan. 
 1.13 Disability shall mean (i) the inability to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which can be expected to result
in death or can be expected to last for a continuous period of not less than twelve (12) months, or (ii) by reason of any medically determinable physical or mental impairment which can be expected to result in death or can be expected to
last for a continuous period of not less than twelve (12) months, the Participant is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan covering employees of the Company.
The Administrator may require that the Participant submit to an examination by a 

  
 3 

 
competent physician or medical clinic selected by the Administrator on an annual basis to confirm Disability. For purposes of the first sentence of Section 6.1, “Disability” shall
mean any medically determinable physical or mental impairment resulting in the Participant’s inability to perform the duties of his or her position or any substantially similar position, when such impairment can be expected to result in death
or can be expected to last for a continuous period of not less than six (6) months. 
 1.14 Eligible Employee shall
mean an executive of the Company who is based and working in the United States, and is selected by the Administrator to be eligible to participate in the Plan. 
 1.15 ERISA shall mean the Employee Retirement Income Security Act of 1974, as amended. 
 1.16 IRC shall mean the Internal Revenue Code of 1986, as amended. 
 1.17
Financial Hardship shall mean a severe financial hardship to the Participant resulting from an illness or accident of the Participant, the Participant’s spouse, the Participant’s Beneficiary, or the Participant’s dependent (as
defined in IRC Section 152(a)), loss of the Participant’s property due to casualty, or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant, but shall in all events
correspond to the meaning of the term “unforeseeable emergency” under IRC Section 409A(a)(2)(v) and applicable Treasury Regulations. 
 1.18 Participant shall mean an Eligible Employee who has elected to participate in the Plan and has completed a Participant Election Form pursuant to ARTICLE 2 of the Plan. 

1.19 Participant Election Form shall mean the written agreement to make a Deferral submitted by the Participant to the
Administrator on a timely basis pursuant to ARTICLE 2 of the Plan. The Participant Election Form may take the form of an electronic communication followed by appropriate written confirmation according to specifications established by the
Administrator. 
 1.20 Performance-Based Compensation shall mean “performance-based compensation” within the
meaning of Treasury Regulation section 1.409A-1(e). 
 1.21 Plan Year shall mean the calendar year. 

1.22 Qualified Plan shall mean an IRC Section 401(k) or other retirement plan qualified under the IRC which is sponsored by
the Company in the relevant Plan Year and is designated by the Administrator to be taken into account for purposes of the calculation of Company Contributions made to this Plan. 

1.23 Retirement shall mean Separation from Service on or after the Retirement Eligibility Date. 

1.24 Retirement Account shall mean the Account established for amounts payable on or after Separation from Service pursuant to
ARTICLES 3 and 4 of the Plan. 

  
 4 

 1.25 Retirement Eligibility Date shall mean the date on which the Participant attains
age sixty-five (65). 
 1.26 Scheduled Distribution shall mean the distribution date or dates elected by the Participant
pursuant to ARTICLE 7 of the Plan. 
 1.27 Scheduled Distribution Account shall mean an Account established for amounts
payable in the form of a Scheduled Distribution pursuant to ARTICLES 3 and 7 of the Plan. 
 1.28 Separation from Service
shall mean the Participant’s termination of employee status for any reason, including (without limitation) by reason of a voluntary termination or resignation, an involuntary termination or retirement, and shall be determined in accordance with
the applicable standards established pursuant to IRC Section 409A and the regulations thereunder. 
 1.29 Settlement
Date shall mean the date by which a lump sum payment shall be made or the date by which installment payments shall commence. Unless otherwise specified, the Settlement Date shall be the last day of January of the Plan Year following the year in
which the event triggering the payout occurs. In the case of death, the event triggering payout shall be deemed to occur upon the date the Administrator is provided with the documentation reasonably necessary to establish the fact of the
Participant’s death. Notwithstanding the foregoing or any other provision of the Plan, if a Participant is a Specified Employee and the payment is being made on account of Separation from Service, payment shall be made or begin promptly
following the earlier of (i) the last day of the sixth (6th) complete calendar month following the Participant’s Separation from Service, or (ii) the Participant’s death. 

1.30 Specified Employee shall mean an employee of the Company or an Affiliate who, at any time during the 12-month period ending
on the identification date (defined below), is (i) an officer of the Company or an Affiliate having annual compensation greater than $130,000 (adjusted for inflation as described in IRC Section 416(i)), (ii) a five percent owner of
the Company and its Affiliates, or (iii) a one percent owner of the Company and its Affiliates who has annual compensation from the Company and its Affiliates greater than $150,000. The number of officers who are considered Specified Employees
shall be limited to 50 employees, as described in IRC Section 416(i), and shall exclude employees who are nonresident aliens during the entire 12-month period ending on the identification date. The identification date shall be each
December 31, and the determination of Specified Employees as of such identification date shall apply for the 12-month period following April 1 after the identification date. The determination of who is a Specified Employee shall be made by
the Administrator in accordance with IRC Section 416(i), the “specified employee” requirements of IRC Section 409A, and applicable regulations. 
 1.31 Treasury Regulations shall mean rules and regulations issued by the U.S. Department of Treasury, and to the extent applicable, shall also include IRS Notice 2005-1, IRS Notice 2006-33, and IRS
Notice 2006-79. 
 1.32 Valuation Date shall mean the date through which earnings are credited and shall be as close to
the payout or other event triggering valuation as is administratively feasible but in no event earlier than the last day of the month preceding the month in which the payout or other event triggering valuation occurs. 

  
 5 

 ARTICLE 2 
 Participation 
 2.1 Elective Deferral. Each year a Participant may
elect to defer up to fifty percent (50%) of Base Salary and/or one-hundred percent (100%) of Bonus earned by the Participant during the Plan Year. The Participant’s election may take the form of (i) a whole percentage or
specified dollar amount of Base Salary, or (ii) a whole percentage of Bonus. The Administrator may further limit the minimum or maximum amount deferred by any Participant or group of Participants, or waive the foregoing limits for any
Participant or group of Participants, for any reason. Each year a Participant may elect to defer into this Plan any amounts elected by the Participant for deferral under the Qualified Plans which the Administrator determines may not be contributed
to the Qualified Plan due to applicable Contribution Limitations, subject to IRC Section 409A and applicable Treasury Regulations. If a Participant is transferred to an international assignment during a Plan Year, the Participant’s
Deferral election will continue in effect during such Plan Year, but the Participant will not be permitted to make a Deferral election for subsequent Plan Years until the Participant again becomes an Eligible Employee and otherwise satisfies the
eligibility requirements of the Plan and IRC Section 409A. 
 2.2 Participant Election Form. In order to make a
Deferral, an Eligible Employee must submit a Participant Election Form to the Administrator during the enrollment period established by the Administrator prior to the beginning of the calendar year in which services are performed to earn such Base
Salary or Bonus. Notwithstanding the foregoing, the Administrator may permit Eligible Employees hired during a Plan Year or newly eligible during a Plan Year to defer Base Salary earned through services performed during the balance of such Plan Year
by submitting a Participant Election Form to the Administrator within 30 days of such newly Eligible Employee’s date of hire or the date he or she first becomes eligible to participate in the Plan. The election to participate shall apply only
to the Eligible Employee’s Base Salary earned after the date of the election, consistent with IRC Section 409A. The Administrator may permit Eligible Employees hired during a Plan Year or newly eligible during a Plan Year prior to
July 1 of such Plan Year to defer Bonus for such Plan Year by submitting a Participant Election Form to the Administrator prior to July 1 of such Plan Year, to the extent permitted by IRC Section 409A. Such election to participate
with respect to the Bonus shall be effective only if the Administrator determines that the Bonus for such Plan Year is Performance-Based Compensation. Each Participant shall be required to submit a new Participant Election Form on a timely basis in
order to change the Participant’s Deferral election for a subsequent Plan Year. If no Participant Election Form is filed during the prescribed enrollment period, the Participant shall be deemed to have elected not to make a Deferral of Base
Salary or Bonus for such subsequent Plan Year. 
 2.3 Participant Election Irrevocable. The election to defer Base Salary
or Bonus for a particular Plan Year shall be irrevocable after the beginning of the Plan Year except in the event of Separation from Service or as provided in ARTICLE 6, in the event of Disability, or ARTICLE 8, in the case of a Financial Hardship.
Notwithstanding the foregoing, the Administrator, in its complete and sole discretion, may allow Participants to revise Deferral 

  
 6 

 
elections with respect to a Bonus at any time prior to the first day of the sixth (6th) month preceding the end of the performance period over which such Bonus is earned if the Administrator
determines that the Bonus is Performance-Based Compensation and such revision is permissible under IRC Section 409A and applicable Treasury Regulations. 
 2.4 Elections Regarding Timing and Form of Payout. Except as provided in ARTICLE 9, at the time that a Participant makes a Deferral election with respect to a Plan Year, the Participant shall also
designate the time and form in which such Deferral shall be distributed, together with all notional earnings thereon. A Participant may make one election for his or her Deferrals under Section 2.1, and a separate election for Company
Contributions under Sections 2.5 and 2.6. If a Participant is eligible only for Company Contributions under Sections 2.5, the Participant shall make an election within 30 days of such Eligible Employee’s date of hire, or the date he or she
first becomes eligible to participate in the Plan, as to whether to have his or her Retirement Account paid in a lump sum or installments, as provided in Section 4.1. All elections must provide for distribution to be made at a time and in a
form that is consistent with the distribution options made available under the Plan and applicable law. An election with respect to the time and form of benefit distributions may not be changed, except as expressly provided for herein. A change
election may not accelerate distributions but may delay distributions or change the form of payment only if all of the following requirements are met: 
 (a) the new election, which may only be made by a Participant while he is employed by the Company or an Affiliate, does not take effect until at least twelve (12) months after the date on which the
new election is made; 
 (b) in the case of payments made on account of Separation from Service or a Scheduled Distribution, the
new election delays payment for at least five (5) years from the date that original payment would otherwise have been made, absent the change election and in the case of a Scheduled Distribution, satisfies Section 7.1(c); and 

(c) in the case of payments made according to a Scheduled Distribution, the new election is not made less than twelve (12) months
before the date on which payment would have been made (or, in the case of installment payments, the first installment payment would have been made) absent the new election. 
 Election changes made pursuant to this Section shall be made on written forms provided by the Administrator, and in accordance with rules established by the Administrator, and shall comply with all
requirement of IRC Section 409A and applicable Treasury Regulations. 
 2.5 Company Qualified Plan Makeup
Contribution. The Company shall make a Company Contribution on behalf of the Participant for each Plan Year in which the Participant makes a Deferral under this Plan which shall equal the maximum Company contributions that would have been
provided to the Participant under the Qualified Plan had the Participant’s elective Deferral been contributed to the Qualified Plan without regard to any Contribution Limitations. The Company Contribution for each Plan Year shall be reduced by
the amount of Company contributions actually credited to the Participant under the Qualified Plan for such Plan Year or paid to the Participant in cash from the Plan. Notwithstanding the foregoing, any

  
 7 

 
changes in election by the Participant under the Qualified Plan shall not increase or decrease either the elective Deferrals under Section 2.1 or the Company Contributions under this
Section 2.5 by an amount greater than the limit under IRC Section 402(g) in effect for the year for the Participant, nor shall the Participant’s action or inaction cause Company Contributions that are matching contributions to exceed
100 percent (100%) of the matching amounts that would be provided under the Qualified Plan absent any restrictions that reflect IRC limits on qualified plan contributions. All Company Contributions under this Section 2.5 shall be credited
to the Participant’s Retirement Account. 
 2.6 Discretionary Company Contributions. The Company shall have the
discretion to make additional Company Contributions to the Plan on behalf of any Participant. Company Contributions shall be made in the complete and sole discretion of the Company and no Participant shall have the right to receive any Company
Contribution regardless of whether Company Contributions are made on behalf of other Participants. Company Contributions under this Section 2.6 for a particular Plan Year shall be allocated to the Participant’s Retirement Account or to any
Scheduled Distribution Account(s), as elected by the Participant. Absent a timely election, Company Contribution shall be allocated to the Retirement Account. Scheduled Distribution for amounts under this Section 2.6 may not be elected prior to
the January of a Plan Year after the second (2rd) Plan Year beginning after the enrollment period in which such Scheduled Distribution is elected. 
 ARTICLE 3 
 Accounts 

3.1 Participant Accounts. Solely for recordkeeping purposes, separate Accounts shall be maintained for each Participant. One
Retirement Account and not more than five (5) Scheduled Distribution Accounts shall be maintained for the Participant and credited with the Participant’s Deferrals (as directed by the Participant) at the time such amounts would otherwise
have been paid to the Participant. All Deferrals for a particular Plan Year shall be allocated to the Participant’s Retirement Account and/or to any Scheduled Distribution Account(s). Absent a timely election, Deferrals shall be allocated to
the Retirement Account. Scheduled Distribution for Deferrals under this Section 3.1 may not be elected prior to January of a Plan Year after the second (2nd) Plan Year beginning after the enrollment period in which such Scheduled
Distribution is elected. All Deferrals and Company Contributions credited to the Participant’s Retirement Accounts and Scheduled Distribution Account(s) under Sections 2.1, 2.5 and 2.6 shall be deemed to be credited with notional gains or
losses as provided in Section 3.3 from the date the amount is credited to the Account through the Valuation Date. 
 3.2
Vesting of Accounts. All Deferrals credited to the Participant’s Retirement and Scheduled Distribution Accounts shall be fully vested at all times. Company Contributions credited to the Retirement Account pursuant to Section 2.5
intended to make up for limitations on contributions to the Qualified Plan, including notional earnings thereon, shall vest over the same period that Company contributions to the Qualified Plan vest. Discretionary Company Contributions credited to
the Retirement Account and the Scheduled Distribution Account(s) made pursuant to Section 2.6, including notional earnings thereon, shall vest at such time and under such terms and conditions as may be specified by the Administrator at the time
such amounts are credited to the Plan. In the event of Separation from Service as a result of 

  
 8 

 
Retirement or death, or in the event of Disability, any unvested portion of the Participant’s Company Contributions may become fully or partially vested to the extent specified by the
Administrator. Upon Separation from Service for any other reason, the Participant shall forfeit the unvested portion of his or her Company Contributions. 
 3.3 Crediting Rate. The Crediting Rate on amounts in a Participant’s Accounts shall be based on the Participant’s choice among the investment alternatives made available from time to time
by the Administrator. The Administrator shall establish a procedure by which a Participant may elect to have the Crediting Rate based on one or more investment alternatives and by which the Participant may change investment elections at least
quarterly. The Participant’s Account balances shall reflect the investments selected by the Participant. If an investment selected by a Participant sustains a loss, the Participant’s Account shall be reduced to reflect such loss. The
Participant’s choice among investments shall be solely for purposes of calculation of the Crediting Rate. If the Participant fails to elect an investment alternative the Crediting Rate shall be based on the investment alternative selected for
this purpose by the Administrator. The Company shall have no obligation to set aside or invest funds as directed by the Participant and, if the Company elects to invest funds as directed by the Participant, the Participant shall have no more right
to such investments than any other unsecured general creditor. During payout, the Participant’s Account shall continue to be credited at the Crediting Rate selected by the Participant from among the investment alternatives or rates made
available by the Administrator for such purpose. Installment payments shall be recalculated annually by dividing the Account balance by the number of payments remaining without regard to anticipated earnings or in any other reasonable manner as may
be determined from time to time by the Administrator. 
 3.4 Statement of Accounts. The Administrator shall provide each
Participant with statements at least quarterly setting forth the Participant’s Account balance as of the end of such quarter. 
 ARTICLE 4 
 Retirement Benefits 

4.1 Retirement Benefits. In the event of the Participant’s Retirement, the Participant shall be entitled to receive an amount
equal to the total vested balance of the Participant’s Retirement Account credited with notional earnings as provided in ARTICLE 3 through the Valuation Date. The benefits shall be paid in a single lump sum unless the Participant has made a
timely election to have the benefit paid in annual installments over two, three, four or five, or ten years. Except as otherwise required for a Specified Employee, payments shall be made or begin on the Settlement Date following Retirement. Any
Separation from Service on or after the Retirement Eligibility Date shall qualify as a Retirement for purposes of this Section 4.1. 
 4.2 Termination Benefit. Upon Separation from Service other than by reason of Retirement, Disability or death, the Company shall pay to the Participant a termination benefit equal to the vested
balance of all of the Participant’s Accounts credited with notional earnings as provided in ARTICLE 3 through the Valuation Date. Except as otherwise required for a Specified Employee, payments shall be made or begin on the Settlement
Date following Separation from Service. The termination benefits shall be paid in a single lump sum unless the 

  
 9 

 
Participant has made a timely election to have the benefit paid in annual installments. The annual installments may be paid over a period of two, three, four or five years as elected by the
Participant. 
 4.3 Small Benefit Exception. Notwithstanding the foregoing, on the date the Participant has a Separation
from Service, in the event the sum of all benefits payable to the Participant is less than or equal to seventeen thousand dollars ($17,000), or such greater amount as is permitted under IRC Section 409A and the regulations hereunder, the
Administrator shall pay such benefits in a single lump sum payable on the Settlement Date following the Participant’s Separation from Service. 
 ARTICLE 5 
 Death Benefits 

5.1 Survivor Benefit. If the Participant dies prior to complete distribution of all of the Participant’s Accounts, the
Company shall pay to the Participant’s Beneficiary a death benefit equal to the total vested balance on death of all of the Participant’s Accounts credited with notional earnings as provided in ARTICLE 3 through the Valuation Date. The
death benefit shall be paid in a single lump sum on the Settlement Date following the date the Participant’s death is established by reasonable documentation. 
 ARTICLE 6 
 Disability 

6.1 Disability. In the event of Disability, Deferral elections shall cease. In the event of a Disability, the Participant shall
receive an amount equal to the total vested balance of all of the Participant’s Accounts in a lump sum. The Disability benefits shall be paid on the Settlement Date following the determination of Disability. 

ARTICLE 7 

Scheduled Distributions 
 7.1 Election. The Participant shall make an election on the Participant Election Form at the time of making a Deferral to take a Scheduled Distribution from the Account established by the
Participant for such purpose, including any earnings credited thereon. 
 (a) Except as provided in ARTICLE 9, the Participant
may elect to receive the Scheduled Distribution, to the extent scheduled to then be vested, in January of any Plan Year after the second (2nd) Plan Year beginning after the enrollment period in which such Scheduled Distribution is elected.
Scheduled Distributions shall be paid in a lump sum unless the Participant has made a timely election to have the benefit paid in annual installments. The annual installments may be paid over a period of two, three, four or five years as elected by
the Participant. 
 (b) The Participant may elect to make additional Deferrals into an existing Scheduled Distribution Account
in subsequent Participant Election Forms but may only change a Scheduled Distribution date for an existing Account as provided in Section 2.4 of the Plan. The Participant may establish up to five (5) separate Scheduled Distribution
Accounts for Deferrals 

  
 10 

 
under Section 3.1 with different Scheduled Distribution dates but shall not establish a sixth (6th) such Account until all of the funds in one of the first Scheduled Distribution
Accounts have been paid out. There shall be no limit on the number of Scheduled Distribution Accounts for Company Contributions under Section 2.6. 
 (c) A Participant may not establish a Scheduled Distribution (including under Section 2.4 (a)-(c)) with a Settlement Date after the Participant reaches age 70. 

7.2 Timing of Scheduled Distribution. The Scheduled Distribution shall be paid by the Company to the Participant in the form
elected by the Participant beginning no later than the last day of January of the Plan Year elected by the Participant in the Participant Election Form, which may be before Retirement or after Retirement as provided in Section 7.1(c). In the
event of Separation from Service prior to the Retirement Eligibility Date (other than due to Disability or death of the Participant), if such Separation from Service occurs prior to the date elected for the Scheduled Distribution, the Scheduled
Distribution, to the extent vested, shall be paid in a single lump sum or in installments, as elected by the Participant, on the Settlement Date following Separation from Service, and any Scheduled Distributions that are already being paid out in
installments shall continue to be paid in installments, and any unvested Scheduled Distributions shall be forfeited. 

ARTICLE 8 

Financial Hardship Distribution and Other Acceleration Events 

8.1 Financial Hardship Distribution. Upon a finding that the Participant has suffered a Financial Hardship, subject to Treasury
Regulations promulgated under IRC Section 409A, the Administrator may, at the request of the Participant, accelerate distribution of vested benefits in the amount reasonably necessary to alleviate such Financial Hardship, or approve cessation
of Deferrals under the Plan for the remainder of the Plan Year. The amount distributed pursuant to this Section with respect to a Financial Hardship shall not exceed the amount necessary to satisfy such Financial Hardship plus amounts necessary to
pay taxes reasonably anticipated as a result of the distribution, after taking into account the extent to which such hardship is or may be relieved through reimbursement or compensation by insurance or otherwise or by liquidation of the
Participant’s assets (to the extent the liquidation of such assets would not itself cause severe financial hardship). A distribution under this Section 8.1 shall be made within 60 days following approval of the Financial Hardship, and will
not be delayed to the Settlement Date. In the event a Participant receives a withdrawal under this Section, all Deferrals under the Plan will be suspended for the remainder of the Plan Year. 

8.2 Other Acceleration Events. To the extent permitted by IRC Section 409A and the Treasury Regulations promulgated
thereunder, notwithstanding the terms of a Deferral election or change election, distribution of all or part of a Participant’s Accounts may be made: (i) to the extent necessary to fulfill a domestic relations order (as defined in IRC
Section 414(p)(l)(B); (ii) to the extent necessary to comply with a certificate of divestiture (as defined in IRC Section 1043(b)(2)); or (iii) to pay the Federal Insurance Contribution Act (“FICA”) tax imposed under
IRC Sections 3101 and 3121(v)(2) on compensation deferred under the Plan (the “FICA Amount”) plus the income tax at source on wages imposed under IRC Section 3401 with respect to the FICA Amount, and to pay the additional income tax
at source on wages attributable to the 

  
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pyramiding IRC Section 3401 wages and taxes, provided that the total amount distributable under this Section 8.2 shall not exceed the sum of the FICA Amount and the income tax
withholding related to such FICA Amount. 
 ARTICLE 9 

Change in Control 
 9.1 Board Discretion to Provide for Distribution Upon a Change in Control. To the extent permitted by and in accordance with IRC Section 409A and the Treasury Regulations promulgated
thereunder, in connection with, in anticipation of and contingent on a Change in Control, notwithstanding any other provision of the Plan or any Deferral election, the Board may exercise its discretion to terminate the Plan and distribute all the
Accounts of each Participant in full and effect the revocation of any outstanding Deferral elections, provided that following a Change in Control, no amendment to the Plan shall change the applicability of this Section 9.1. 

ARTICLE 10 

Amendment and Termination of Plan 
 10.1 Amendment or Termination of Plan. Except as otherwise provided in Section 9.1, the Company may, at any time, without Participants’ consent, direct the Administrator to amend or
terminate the Plan, subject to Treasury Regulations promulgated under IRC Section 409A, except that no such amendment or termination may reduce a Participant’s Account balances. If the Company terminates the Plan, no further amounts shall
be deferred hereunder, and amounts previously deferred or contributed to the Plan shall be fully vested and shall be paid in accordance with the provisions of the Plan prior to the termination. 

ARTICLE 11 

Beneficiaries 
 11.1 Beneficiary Designation. The Participant shall have the right, at any time, to designate any person or persons as Beneficiary (both primary and contingent) to whom payment under the Plan shall
be made in the event of the Participant’s death. The Beneficiary designation shall be effective when it is submitted in writing to and acknowledged by the Administrator during the Participant’s lifetime on a form prescribed by the
Administrator. 
 11.2 Revision of Designation. The submission of a new Beneficiary designation shall cancel all prior
Beneficiary designations. Any finalized divorce or marriage (other than a common law marriage) of a Participant subsequent to the date of a Beneficiary designation shall revoke such designation, unless in the case of divorce the previous spouse was
not designated as Beneficiary and unless in the case of marriage the Participant’s new spouse has previously been designated as Beneficiary. 
 11.3 Absence of Valid Designation. If a Participant fails to designate a Beneficiary as provided above, or if the Beneficiary designation is revoked by marriage, divorce, or otherwise without
execution of a new designation, or if every person designated as Beneficiary predeceases the Participant or dies prior to complete distribution of the Participant’s benefits, then the Administrator shall direct the distribution of such benefits
to the Participant’s estate. 

  
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 ARTICLE 12 
 Administration/Claims Procedures 
 12.1 Administration. The Plan
shall be administered by the Administrator, which shall have the exclusive right and full discretion (i) to interpret the Plan, (ii) to decide any and all matters arising hereunder (including the right to remedy possible ambiguities,
inconsistencies or admissions), (iii) to make, amend and rescind such rules as it deems necessary for the proper administration of the Plan and (iv) to make all other determinations and resolve all questions of fact necessary or advisable
for the administration of the Plan, including determinations regarding eligibility for benefits payable under the Plan. All interpretations of the Administrator with respect to any matter hereunder shall be final, conclusive and binding on all
persons affected thereby. No member of the Administrator shall be liable for any determination, decision or action made in good faith with respect to the Plan. The Company will indemnify and hold harmless the Administrator and his or her delegee(s)
from and against any and all liabilities, costs and expenses incurred by such persons as a result of any act, or omission, in connection with the performance of such persons’ duties, responsibilities and obligations under the Plan, other than
such liabilities, costs and expenses as may result from the bad faith, willful misconduct or criminal acts of such persons. 

12.2 Claims Procedure. Any Participant, former Participant or Beneficiary may file a written claim with the Administrator setting
forth the nature of the benefit claimed, the amount thereof, and the basis for claiming entitlement to such benefit. The Administrator shall determine the validity of the claim and communicate a decision to the claimant promptly and in any event,
not later than ninety (90) days after the date of the claim. The claim may be deemed by the claimant to have been denied for purposes of further review described below in the event a decision is not furnished to the claimant within such ninety
(90) day period. If additional information is necessary to make a determination on a claim, the claimant shall be advised of the need for such additional information within forty-five (45) days after the date of the claim. The claimant
shall have up to one hundred and eighty (180) days to supplement the claim information, and the claimant shall be advised of the decision on the claim within forty-five (45) days after the earlier of the date the supplemental information
is supplied or the end of the one hundred and eighty (180) day period. Every claim for benefits which is denied shall be denied by written notice setting forth in a manner calculated to be understood by the claimant (i) the specific reason
or reasons for the denial, (ii) specific reference to any provisions of the Plan (including any internal rules, guidelines, protocols, criteria, etc.) on which the denial is based, (iii) description of any additional material or
information that is necessary to process the claim, and (iv) an explanation of the procedure for further reviewing the denial of the claim. 
 12.3 Review Procedures. Within sixty (60) days after the receipt of a denial on a claim, claimant or higher authorized representative may file a written request for review of such denial. Such
review shall be undertaken by the Administrator and shall be a full and fair review. The claimant shall have the right to review all pertinent documents. The Administrator shall issue a decision not later than sixty (60) days after receipt of a
request for review from a claimant unless special circumstances, such as the need to hold a hearing, require a longer period of time, in which case a decision shall be rendered as soon as possible but not later than one hundred and twenty
(120) days after receipt of the claimant’s request for review. The decision on review shall be in writing and shall include specific reasons for the decision written in a manner 

  
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calculated to be understood by the claimant with specific reference to any provisions of the Plan on which the decision is based and shall include an explanation of the claimant’s right to
submit the claim for binding arbitration in the event of an adverse determination on review. 
 ARTICLE 13 

Conditions Related to Benefits 
 13.1 Nonassignability. No person entitled to benefits under the Plan shall have any right to transfer, assign, alienate, pledge, hypothecate or otherwise encumber his or her interest in such
benefits prior to actual receipt of those benefits. The benefits payable under the Plan shall not, prior to actual payment, be subject to seizure or sequestration for the payment of any debts, judgments, alimony or separate maintenance owed by a
Participant or any other person and shall not, to the maximum extent permitted by law, be transferable by operation of law in the event of the bankruptcy or insolvency of the Participant or any other person. Notwithstanding the foregoing, any
payments otherwise due the Participant hereunder may instead be assigned or distributed to his or her spouse or former spouse pursuant to the terms of any domestic relations order within the meaning of IRC Section 414(p)(1)(B) which is issued
with respect to those Accounts, and the Participant shall cease to have any right, interest or entitlement to the portion of any payment or Account assigned or distributed to his or her spouse or former spouse in accordance with the terms of such
order. To the extent permitted by such domestic relations order, the portion of the payment or Account assigned or distributable to the spouse or former spouse may be paid in an immediate lump sum distribution, provided the Participant is at the
time fully vested in that portion. 
 13.2 No Right to Company Assets. The benefits paid under the Plan shall be paid
from the general funds of the Company, and the Participant and any Beneficiary shall be no more than unsecured general creditors of the Company with no special or prior right to any assets of the Company for payment of any obligations hereunder,

 13.3 Protective Provisions. The Participant shall cooperate with the Company by furnishing any and all information
requested by the Administrator, in order to facilitate the payment of benefits hereunder, taking such physical examinations as the Administrator may deem necessary and taking such other actions as may be requested by the Administrator. If the
Participant refuses to so cooperate, the Company shall have no further obligation to the Participant under the Plan. In the event of the Participant’s suicide during the first two (2) years in the Plan, or if the Participant makes any
material misstatement of information or nondisclosure of medical history, then no benefits shall be payable to the Participant under the Plan, except that benefits may be payable in a reduced amount in the sole discretion of the Administrator.

 13.4 Withholding. The Participant shall make appropriate arrangements with the Company for satisfaction of any
federal, state or local income tax withholding requirements and Social Security or other employee tax requirements applicable to the payment of benefits under the Plan. If no other arrangements are made, the Company may provide, at its discretion,
for such withholding and tax payments as may be required, including, without limitation, by the reduction of other amounts payable to the Participant. 

  
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 13.5 Assumptions and Methodology. The Administrator shall establish the assumptions
and method of calculation used in determining the present or future value of benefits, earnings, payments, fees, expenses or any other amounts required to be calculated under the terms of the Plan. The Administrator shall also establish reasonable
procedures regarding the form and timing of installment payments. 
 13.6 Trust. The Company shall be responsible for the
payment of all benefits under the Plan. At its discretion, the Company may establish one or more grantor trusts for the purpose of providing for payment of benefits under the Plan. Such trust or trusts may be irrevocable, but the assets thereof
shall be subject to the claims of the Company’s creditors. Benefits paid to the Participant from any such trust or trusts shall be considered paid by the Company for purposes of meeting the obligations of the Company under the Plan. 

13.7 Section 409A Compliance. This Plan is intended to comply with the requirements of IRC Section 409A and regulations
thereunder. Any provision of this Plan that is contrary to the requirements of IRC Section 409A and the regulations thereunder shall be null, void and of no effect and the Administrator shall interpret the Plan consistent with the requirements
of IRC Section 409A, which shall govern the administration of the Plan in the event of a conflict between Plan terms and the requirements of IRC Section 409A and the regulations thereunder. Notwithstanding any other provision of this Plan
to the contrary, in no event shall any payment under this Plan that constitutes “deferred compensation” for purposes of IRC Section 409A be subject to offset, counterclaim or recoupment by any other amount payable to the Participant
unless otherwise permitted by Section 409A. 
 ARTICLE 14 

Miscellaneous 
 14.1 Successors of the Company. The rights and obligations of the Company under the Plan shall inure to the benefit of, and shall be binding upon, the successors and assigns of the Company.

 14.2 Employment Not Guaranteed. Nothing contained in the Plan nor any action taken hereunder shall be construed as a
contract of employment or as giving any Participant any right to continued employment with the Company. 
 14.3 Gender,
Singular and Plural. All pronouns and any variations thereof shall be deemed to refer to the masculine, feminine or neuter, as the identity of the person or persons may require. As the context may require, the singular may be read as the plural
and the plural as the singular. 
 14.4 Captions. The captions of the articles, paragraphs and sections of the Plan are
for convenience only and shall not control or affect the meaning or construction of any of its provisions. 
 14.5
Validity. In the event any provision of the Plan is held invalid, void or unenforceable, the same shall not affect, in any respect whatsoever, the validity of any other provisions of the Plan. 

  
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 14.6 Waiver of Breach. The waiver by the Company of any breach of any provision of
the Plan shall not operate or be construed as a waiver of any subsequent breach by that Participant or any other Participant. 

14.7 Notice. Any notice or filing required or permitted to be given to the Company or the Participant under this Agreement shall
be sufficient if in writing and hand-delivered, or sent by registered or certified mail, in the case of the Company, to the principal office of the Company, directed to the attention of the Administrator, and in the case of the Participant, to the
last known address of the Participant indicated on the employment records of the Company. Such notice shall be deemed given as of the date of delivery or, if delivery is made by mail, as of the date shown on the postmark on the receipt for
registration or certification. Notices to the Company may be permitted by electronic communication according to specifications established by the Administrator. 
 14.8 Inability to Locate Participant or Beneficiary. It is the responsibility of a Participant to apprise the Administrator of any change in address of the Participant or Beneficiary. In the event
that the Administrator is unable to locate a Participant or Beneficiary for a period of three (3) years, the Participant’s Account shall be forfeited to the Company. 
 14.9 Errors in Benefit Statement. In the event an error is made in a benefit statement, such error shall be corrected on the next benefit statement following the date such error is discovered.

 14.10 ERISA Plan. The Plan is intended to be an unfunded plan maintained primarily to provide deferred compensation
benefits for a select group of “management or highly compensated employees” within the meaning of Sections 201, 301 and 401 of ERISA and therefore to be exempt from Parts 2, 3 and 4 of Title I of ERISA. 

14.11 Applicable Law. In the event any provision of, or legal issue relating to, this Plan is nor fully preempted by ERISA, such
issue or provision shall be governed by the laws of the Commonwealth of Pennsylvania. 
 14.12 Arbitration. Any claim,
dispute or other matter in question of any kind relating to this Plan which is not resolved by the claims procedures under this Plan shall be settled by arbitration in accordance with the applicable employment dispute resolution rules of the
American Arbitration Association. Notice of demand for arbitration shall be made in writing to the opposing party and to the American Arbitration Association within a reasonable time after the claim, dispute or other matter in question has arisen.
In no event shall a demand for arbitration be made after the date when the applicable statute of limitations would bar the institution of a legal or equitable proceeding based on such claim, dispute or other matter in question. The decision of the
arbitrators shall be final and may be enforced in any court of competent jurisdiction. The arbitrators may award reasonable fees and expenses to the prevailing party in any dispute hereunder and shall award reasonable fees and expenses in the event
that the arbitrators find that the losing party acted in bad faith or with intent to harass, hinder or delay the prevailing party in the exercise of its rights in connection with the matter under dispute. 

  
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 IN WITNESS WHEREOF, the Company has caused this Plan to be executed
this 5th day of December 2012. 

 

	
	DFC GLOBAL CORP.
	
	 /s/ Randy Underwood

	By: Randy Underwood
	Executive Vice President & Chief Financial Officer

  
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