Document:

EX-10.95

 Exhibit 10.95 

2014 Award Agreement 

under the 
 ING U.S.,
Inc. 
 2013 Omnibus Employee Incentive Plan 

Grantee: 
 Grant Date: 

Restricted Stock Units Granted: 
 Article 1 –
General 
  

	1.1	Capitalized terms used but not defined in this agreement (this “Agreement”) shall, unless the context otherwise requires, have the same definition as in the ING U.S., Inc. 2013 Omnibus Employee
Incentive Plan (the “Plan”). Unless otherwise stated or the context so requires, the singular shall be construed to mean the plural, and vice versa. 

 

	1.2	This Award is subject to the terms and conditions of the Plan and as set forth below in this Agreement. The provisions of this Agreement shall govern and prevail in the event of any conflict with the Plan. Any
conflicting or inconsistent term of this Agreement shall be interpreted and implemented by the Committee in a manner consistent with the Plan. 

  

	1.3	The Grantee has read the Plan, and accepts and agrees to the terms and conditions thereof. 

 Article 2
– Awards 
  

	2.1	Award of RSUs. 

  

	 	(a)	Award. Grantee is hereby granted the number of restricted stock units (“RSUs”) indicated above immediately adjacent to the caption “Restricted Stock Units Granted”. Each RSU represents
a conditional right to receive one share of Common Stock, subject to Article 3.1(a).  

  

	 	(b)	Grant Date of Award. The grant date of this Award of RSUs is the date indicated above immediately adjacent to the caption “Grant Date” (the “Grant Date”). 

 

	 	(c)	Consideration. No consideration is payable by the Grantee in respect of this Award of RSUs. 

 Article 3 – Vesting and Delivery of Award 

 

	3.1	Scheduled Vesting Dates. 

  

	 	(a)	Vesting of Awards of RSUs. (i) Subject to Articles 3.2 and 3.4 below, this Award of RSUs will vest one-half on the second anniversary of the Grant Date, one-quarter on the third anniversary of the Grant Date
and one-quarter on the fourth anniversary of the Grant Date (each, a “Vesting Date”), provided that the Grantee is still Employed by the Company on each of the respective Vesting Dates. Any fractional shares that would otherwise
vest on a Vesting Date will vest on the last Vesting Date. In the event there are any fractional shares on the final Vesting Date, the number of RSUs that vest on that final Vesting Date will be rounded up to the nearest whole share. One share of
Common Stock shall be delivered to the Grantee in respect of each vested RSU as soon as practicable following each of the respective Vesting Dates but in any event no later than the end of the calendar year in which any such Vesting Date occurs.

  

	 	(ii)	As soon as practicable following each Vesting Date (but in any event no later than the end of the Calendar Year in which such Vesting Date occurs), one share of Common Stock shall be delivered to the Grantee in respect
of each RSU vesting on such date. 

  

	3.2	Termination of Employment 

  

	 	(a)	If Grantee ceases to be Employed by the Company prior to an applicable Vesting Date by reason of: 

  

	 	(i)	injury or Total and Permanent Disability (evidenced to the satisfaction of the Company) any unvested RSUs shall vest and one share of Common Stock shall be delivered to the Grantee in respect of each such vested RSU as
soon as practicable following the date of such injury or Total and Permanent Disability (but in any event no later than the end of the calendar year in which such date of injury or Total and Permanent Disability occurs); or 

 

	 	(ii)	early retirement by agreement of the Committee, any unvested RSUs shall continue to vest, and shares of Common Stock will continue to be delivered, according to the schedule (and as otherwise) set forth in
Section 3.1; or 

  

	 	(iii)	retirement, and at the time of such termination of Employment (i) is at least 58 years old and (ii) the sum of Grantee’s years of service with the Company and age is at least 63 (meeting of both such
conditions shall constitute reaching “Retirement Age” for purposes of this Agreement), any unvested RSUs shall continue to vest, and shares of Common Stock will continue to be delivered, according to the schedule (and as otherwise)
set forth in Section 3.1; or 

  

	 	(iv)	 termination of Employment by the Company due to Business Conditions (including, but not limited to, Redundancy) or a business divestiture that forms
part of the normal course of business of ING U.S., Inc. (“ING U.S.”), any 

  
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unvested RSUs shall continue to vest, and shares of Common Stock will continue to be delivered, according to the schedule (and as otherwise) set forth in Section 3.1; or 

 

	 	(v)	death, any unvested RSUs shall vest and one share of Common Stock shall be delivered to the Grantee’s beneficiary or estate, as the case may be, in respect of each vested RSU as soon as practicable following the
date of such death (but in any event no later than the end of the calendar year in which such date of death occurs). 

  

	3.3	(Reserved) 

  

	3.4	Termination of Employment – Additional Provisions 

  

	 	(a)	In the event of a Change in Control, the provisions of Section 3.6 of the Plan shall govern the treatment of this Award, which provisions shall supersede any provision of this Agreement that is inconsistent with
such Section 3.6. 

  

	 	(b)	If a Grantee is given notice of termination of Employment in circumstances involving fraud, gross negligence, willful misconduct or any activity detrimental to the Company, as determined by the Committee, then this
Award shall lapse immediately on the date the notice of termination of Employment is given to the Grantee, and any unvested awards shall be forfeited. 

  

	 	(c)	Notwithstanding Article 3.2, the Committee in its absolute discretion may consent to vest this Award in whole or in part to the extent as it may determine and considers reasonable. 

 

	 	(d)	Other than as set forth in Article 3.2, any unvested RSUs shall expire upon termination of Employment without any consideration and the Grantee shall have no further rights thereto. 

Article 4 – Claw back and Hold back 
  

	4.1	Claw Back. 

  

	 	(a)	Notwithstanding the terms and conditions as specified in the Plan and this Agreement, the Grantee expressly agrees that the Company shall have the right to reclaim any shares of Common Stock that have been delivered to
the Grantee under the Plan in the event that he or she engages in conduct or performs acts which as the Committee determines to be: 

  

	 	(i)	malfeasance; 

  

	 	(ii)	fraud; or 

  
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	 	(iii)	specific conduct, alone or in concert with others, which has led to the material restatement of the Company’s annual accounts and/or significant (reputational) harm to the Company. 

 

	 	(b)	By signing this Agreement, the Grantee acknowledges that he or she understands and agrees that in the event the Committee determines that Grantee has engaged in conduct or performed acts specified in Section 4.1(a)
and Grantee has sold all or a portion of his or her shares of Common Stock after vesting, the Company has the right to claim from the Grantee an amount in US dollars equal to the Fair Market Value of such shares at the time of such sale and the
Grantee is obliged to repay this amount at first demand by the Company, such payment to be made no later than 30 days after the first demand. 

  

	4.2	Hold Back. The Committee has the authority to adjust the number of shares of Common Stock and/or cancel this Award in whole or in part: 

 

	 	(a)	in case of evidence of misbehavior or serious error by the Grantee (e.g. breach of code of conduct and other internal rules, especially concerning risks); or 

 

	 	(b)	in case of evidence of malfeasance or fraud by the Grantee; or 

  

	 	(c)	in the event the Company or the business line in which the relevant staff member works suffers a significant failure of risk management; or 

 

	 	(d)	in the event of significant negative changes in the economic or regulatory capital base (based on a capital test); or 

  

	 	(e)	if any other material new information arises that would have changed the original determination of the award if it were known at the time of award; or 

 

	 	(f)	specific conduct, alone or in concert with others, which has led to the material restatement of the Company’s annual accounts and/or significant (reputational) harm to the Company or any of its Subsidiaries or
Affiliates. 

 The Committee will annually assess, prior to vesting, whether and to what extent this discretionary authority
needs to be applied. 
 Article 5 – Various 
  

	5.1	 Compliance with U.S. Tax Law. Where the Grantee qualifies as a US Taxpayer, the Grantee understands and agrees that notwithstanding anything
herein to the contrary, this Agreement, and the Award made hereby, shall be administered in accordance with the applicable provisions of the U.S. Internal Revenue Code of 1986, as amended (the “Code”), including but not limited to,
Section 409A of the Code. Notwithstanding anything in the Plan to the contrary, any adjustment of the Award granted hereby shall be made in compliance with Section 409A of the Code. The Award granted hereby is intended to comply with
Section 409A of the Code and will be administered and 

  
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interpreted in accordance with that intent. In the event that the Grantee is a “specified employee” (within the meaning of the Treasury Regulations
§1.409A-1(i)) as of the date of the Grantee’s “separation from service” (within the meaning of Treasury Regulations §1.409A-1(h)) and if, as a
result, any shares of Common Stock cannot be delivered, or this Award cannot be paid or provided, in either case in the manner or at the time otherwise provided in Article 3, without subjecting the Grantee to “additional tax”, interest or
penalties under Section 409A of the Code, then such shares shall be delivered, or this Award will be paid or provided, on the first day of the seventh month following the Grantee’s separation from service. 

 

	5.2	Delivery of Common Stock or Sale of Common Stock. Except as otherwise provided above and notwithstanding anything in the Plan to the contrary, in accordance with instructions provided by the Grantee, shares of
Common Stock, to the extent relating to vested RSUs, shall be transferred to the brokerage account of the Grantee and/or sold by the Company on behalf of and for the account of the Grantee upon delivery. The Grantee should provide instructions to
the Company during the designated period(s) prior to the date of vesting instructing the Company to transfer the shares to the brokerage account of the Grantee or to sell some or all of such shares on behalf of and for the account of the Grantee. If
the Grantee fails to provide any such instructions to the Company during the designated period(s), the Company may determine in its sole discretion whether to transfer such Common Shares to the brokerage account of the Grantee or to sell such shares
on behalf of and for the account of the Grantee. In all cases, the Company shall be entitled, at its sole option, to withhold or repurchase (at the market price of such shares at the time of delivery) Common Shares from Grantee in order to satisfy
any tax withholding or similar obligations associated with the vesting or delivery of such Common Shares. 

  

	5.3	Dividend Equivalent Rights. The Grantee has, with respect to all RSUs granted hereby, a conditional right to receive amounts equal to the regular cash dividends that would have been paid on the shares of Common
Stock underlying such Award as if such shares had been delivered as of the Grant Date. Such amounts will be paid in cash, without interest, subject to the same terms and conditions, including but not limited to those related to vesting, forfeiture,
cancellation and payment, as apply to the shares of Common Stock underlying this Award. The Grantee will have only the rights of a general unsecured creditor of ING U.S. until payment of such amounts is made as specified herein. 

Article 6 – Data protection 
  

	6.1	The Grantee hereby (i) consents to the processing, collection, recording, organizing, storing and adapting by the Company and the third party administrators involved in the operation and administration of the Plan,
of the personal data, (including, without limitation, name, business contact information, employee number, position and information on Awards) relating to the Grantee for the sole purpose of participating in the Plan and the Agreement, including the
operation and administration of the Plan, and (ii) grants such consent for the duration of the Plan. 

  
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	6.2	The Grantee also consents to the transfer of his/her personal data referred to under Article 6.1 of this Agreement by the Company to third party administrators that are assigned to the operation and administration
of the Plan for this Grantee specifically and that are located in the United States or elsewhere. 

  

	6.3	The Grantee also agrees that a limited set of his/her personal data (name, LSPP ID, business line) is accessible to those third party administrators that are not specifically assigned to him/her for the operation and
administration of the Plan for the sole purpose of identification and other related administrative reasons (e.g. to trace Grantees that have changed position within the Company). 

 

	6.4	The Grantee’s personal data related to the Plan will be held in a database file titled with his/her name and unique identification code for the duration of the Plan, taking to account any additional data retention
period required by applicable law. The database will be kept by the Company on behalf of the Company. 

  

	6.5	The Grantee understands that the provision of all of his/her personal data is obligatory for the purpose of his/her participation in the Plan and agrees with the transfer of the relevant personal data to the Company
entity that he/she is employed by. The Participant is aware of his/her right to access and/or correct personal data, if and when necessary, by contacting the local Human Resources representative. 

 

	6.6	The Grantee hereby agrees that ING U.S. may transfer the Grantee’s personal data to a third party administrator, including one that is not an affiliated company, in order to carry out necessary administrative
functions with respect to this Award. 

 Article 7 – Governing law and Jurisdiction 

 

	7.1	Governing law and jurisdiction. This Agreement shall be governed by and shall be construed in accordance with the laws of the State of New York. The Company and the Grantee irrevocably submit, in respect of any
suit, action or proceeding arising out of or relating to or concerning the Plan or the interpretation or enforcement of this Agreement, to the exclusive jurisdiction of any state or federal court located in New York, New York and to be bound by the
provisions of Section 3.16 of the Plan. 

  

	7.2	Partial invalidity. Parties expressly agree that the invalidity or unenforceability of an Article or Articles of this Agreement shall not affect the validity or enforceability of any other Article of this
Agreement and that the remainder of this Agreement will remain in full effect. Any such invalid or unenforceable Article shall be replaced or be deemed to be replaced by a provision that is considered to be valid and enforceable. The interpretation
of the replacing Article shall be as close as possible to the intent of the invalid or unenforceable Article. 

 Article 8 – Grantee
Covenants 
  

	8.1	 In consideration of the Award granted under this Agreement, Grantee agrees to abide by the restrictive covenants set forth below. For the purposes of
this Article, the definition of 

  
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“Company” is expanded to include any Subsidiaries or Affiliates that do business in the United States. 

 

	 	(i)	Protection of confidential information. The Grantee will not, without permission of the Company, disclose any Company confidential information or trade secrets to anyone outside the Company, unless required by
subpoena. Confidential information and trade secrets include, but are not limited to, customer lists, product development information, marketing and sales plans, premium or other pricing information, operating policies and manuals, and, or other
confidential information related to the Company. 

  

	 	(ii)	Nonsolicitation of employees and agents. The Grantee will not, for 12 months following termination of Employment, directly or indirectly attempt to induce any employee, agent or agency, broker, broker-dealer,
financial planner, registered principal or representative of the Company to be employed by or to perform services for any entity that competes with the Company. 

  

	 	(iii)	Nonsolicitation of customers. The Grantee will not, for 12 months following termination of Employment, directly or indirectly attempt to solicit the trade of any person that is a customer of the Company or which
the Company has been undertaking reasonable steps to procure as a customer during the 6 months preceding termination of employment. This limitation will only apply to products or services in competition with a product or service of the Company, and
to customers with whom Grantee had contact during employment. 

  

	 	(iv)	Agreement to Cooperate. Following the termination of Employment, the Grantee will cooperate with the Company, without additional compensation, on matters within the scope of Grantee’s responsibilities
during employment. The Company agrees to reimburse reasonable out-of-pocket expenses the Grantee incurs in connection with such assistance. The Company agrees it will make all reasonable efforts to minimize disruption to the Grantee’s other
commitments. 

  

	8.2	If any provision of Article 8.1 is determined by a court of competent jurisdiction not to be enforceable in the manner set forth above, the parties agree that they intend the provision to be enforceable to the maximum
extent possible under applicable law, and that the court should reform the provision to make it enforceable in accordance with the intent of the parties. 

  

	8.3	The Grantee acknowledges that these covenants are a material inducement for the Company to effect the Award granted under this Agreement. The Grantee further acknowledges that a violation of any term of the covenants
will cause the Company irreparable injury for which adequate remedies are not available at law. Therefore, the Grantee agrees that, if the Grantee breaches any of the covenants: 

 

	 	(i)	the Award made to the Grantee pursuant to this Agreement will be rescinded; 

  

	 	(ii)	the Grantee will not be entitled to retain any income or property derived from the Award; and 

  
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	 	(iii)	the Company will be entitled to an injunction, restraining order or such other equitable relief (without the requirement to post bond) restraining the Grantee from committing any violation of the covenants contained in
Article 8.1. 

 The remedies in this Article are cumulative and are in addition to any other rights and remedies the Company
may have at law or in equity as a court or arbitrator may reasonably determine. 
  

	8.4	The Company may terminate any Award if the Grantee has willfully engaged in gross misconduct that the Company determines is likely to be damaging or detrimental to the Company. 

 

	8.5	This Article 8 will be interpreted in accordance with the laws of the State of New York. Any proceedings involving Article 8 will be brought in a court of competent jurisdiction in the State of New York.

 Article 9 – Definitions 
  

	9.1	“Business Conditions” shall mean any situation, not being a Business Divestiture, in which the termination of a Grantee’s employment is caused by economic or strategic considerations and is not
based primarily on the Grantee’s individual performance. 

  

	9.2	“Business Divestiture” shall mean the complete or partial transfer of a Subsidiary by which the Grantee is Employed to a transferee that is not a Subsidiary or a complete or partial initial public
offering of a Subsidiary by which the Grantee is Employed. A partial transfer or initial public offering is only considered a Business Divestiture if such transfer or initial public offering results in ING U.S. (directly or indirectly) owning less
than 50.1% of the voting stock in such transferred Subsidiary, where this Business Divestiture does not form part of ING U.S.’ normal course of business as determined by the Committee. 

 

	9.3	“Pro Rata Factor” shall mean the factor that is calculated by dividing the period of Employment from the immediately preceding Vesting Date (in terms of months, rounded up to the nearest whole number)
by twelve. 

  

	9.4	“Redundancy” shall mean termination of a Grantee’s Employment by the Company due to a reorganization of the Company in such circumstances as the Committee determines in its absolute discretion.

  

	9.5	“Total and Permanent Disability” shall mean the mental or physical disability, whether occupational or non-occupational in cause, which satisfies such definition in: (i) any insurance policy or
plan provided to the Grantee by the Company; or alternatively (ii) the Grantee’s applicable national legislation pertaining to persons with disability.

  
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 IN WITNESS WHEREOF, each of the parties hereto has signed this Agreement effective as of the date first written
above. 
  

	
	ING U.S., INC.
	
	  

	Name:
	Title:
	
	  

	Name:
	Title:
	
	GRANTEE
	
	  

 [Signature page to Omnibus Plan 2014 Award Agreement]EX-4.01

 Exhibit 4.01 

This Note is a Global Security within the meaning of the Indenture hereinafter referred to and is registered in the name of the Depository
named below or a nominee of the Depository. This Note is not exchangeable for Notes registered in the name of a Person other than the Depository or its nominee except in the limited circumstances described herein and in the Indenture, and no
transfer of this Note (other than a transfer of this Note as a whole by the Depository to a nominee of the Depository or by a nominee of the Depository to the Depository or another nominee of the Depository) may be registered except in the limited
circumstances described herein. 
 Unless this certificate is presented by an authorized representative of The Depository Trust Company, a
New York corporation (the “Depository”), to the Company or its agent for registration of transfer, exchange, or payment, and any certificate issued is registered in the name of Cede & Co. or in such other name as is requested by
an authorized representative of the Depository (and any payment is made to Cede & Co. or to such other entity as is requested by an authorized representative of the Depository), 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 an interest herein. 

CITIGROUP INC. 
 1.350%
Notes due March 10, 2017 

					
	REGISTERED	  	 	REGISTERED	  
		
		  	   
  
	 CUSIP: 172967HK 0ISIN: US172967HK07

Common Code: 104461271
	     

  

		
	No. R-001	  	 	$500,000,000	  

 CITIGROUP INC., a Delaware corporation (the “Company”, which term includes any successor Person
under the Indenture), for value received, hereby promises to pay to Cede & Co., or registered assigns, the principal sum of $500,000,000 on March 10, 2017 and to pay interest thereon from and including March 10, 2017 or from the
most recent Interest Payment Date to which interest has been paid or duly provided for, semi-annually, on March 10 and September 10 of each year, commencing September 10, 2014 at the rate of 1.350% per annum, until the principal
hereof is paid or made available for payment. The interest so payable, and punctually paid or duly provided for, on any Interest Payment Date will, as provided in the Indenture, be paid to the Person in whose name this Note is registered at the
close of business on the Record Date for such interest, which shall be the Business Day immediately preceding such Interest Payment Date. 

 Any such interest not so punctually paid or duly provided for will forthwith cease to be payable
to the holder on such Record Date and may either be paid to the Person in whose name this Note is registered at the close of business on a subsequent Record Date, such subsequent Record Date to be not less than ten days prior to the date of payment
of such defaulted interest, notice whereof shall be given to holders of Notes of this series not less than ten days prior to such subsequent Record Date, or be paid at any time in any other lawful manner not inconsistent with the requirements of any
securities exchange on which the Notes of this series may be listed, and upon such notice as may be required by such exchange, all as more fully provided in the Indenture. 

Interest hereon will be calculated on the basis of a 360-day year comprised of twelve 30-day months. 

If either an Interest Payment Date or the Maturity of the Notes falls on a day that is not a Business Day, such Interest Payment Date or
Maturity will be the next succeeding Business Day, and no further interest will accrue in respect of such postponement. If a date for payment of interest or principal on the Notes falls on a day that is not a business day in the place of payment,
such payment will be made on the next succeeding business day in such place of payment as if made on the date the payment was due. No interest will accrue on any amounts payable for the period from and after the due date for payment of such
principal or interest. For these purposes, “Business Day” means any day which is a day on which commercial banks settle payments and are open for general business in The City of New York. 

Payment of the principal of and interest on this Note will be made at the office or agency of the Trustee maintained for that purpose in The
City of New York. 
 Reference is hereby made to the further provisions of this Note set forth on the reverse hereof, which further
provisions shall for all purposes have the same effect as if set forth at this place. 
 Unless the certificate of authentication hereon has
been executed by the Trustee or by an authenticating agent on behalf of the Trustee by manual signature, this Note shall not be entitled to any benefit under the Indenture or be valid or obligatory for any purpose. 

  
 2 

 IN WITNESS WHEREOF, the Company has caused this instrument to be duly executed under its
corporate seal. 
 Dated: March 10, 2014 
  

			
	CITIGROUP INC.
		
	By:	 	  

		 	Name:
		 	Title:

  

					
	ATTEST:
		
	By:	 	  

		 	Name:	 	
		 	Title:	 	Assistant Secretary

  
 3 

 This is one of the Notes of the series issued under the within-mentioned Indenture. 

Dated: March 10, 2014 
  

			
	THE BANK OF NEW YORK MELLON,
	as Trustee
		
	By:	 	  

		 	Name:
		 	Title:
	
	-or-
	
	CITIBANK, N.A.,
	as Authenticating Agent
		
	By:	 	  

		 	Name:
		 	Title:

  
 4 

 This Note is one of a duly authorized issue of Securities of the Company (the “Notes”),
issued and to be issued in one or more series under the Indenture, dated as of November 13, 2013 (as amended and supplemented from time to time, the “Indenture”), between the Company and The Bank of New York Mellon, as Trustee (the
“Trustee”, which term includes any successor trustee under the Indenture), to which Indenture and all indentures supplemental thereto reference is hereby made for a statement of the respective rights, limitations of rights, duties and
immunities thereunder of the Company, the Trustee and the holders of the Notes and of the terms upon which the Notes are, and are to be, authenticated and delivered. This Note is one of the series designated on the face hereof, initially limited in
aggregate principal to $1,000,000,000. 
 If an event of default (as defined in the Indenture) with respect to Notes of this series shall
occur and be continuing, the principal of the Notes of this series may be declared due and payable in the manner and with the effect provided in the Indenture. 

Sections 12.02 and 12.03 of the Indenture containing provisions for defeasance apply to this Note. At any time the entire indebtedness of this
Note may be defeased upon compliance by the Company with certain conditions set forth in Section 12.04 of the Indenture. 
 The
Indenture contains provisions permitting the Company and the Trustee, without the consent of the holders of the Securities, to establish, among other things, the form and terms of any series of Securities issuable thereunder by one or more
supplemental indentures, and, with the consent of the holders of a majority in aggregate principal amount of Securities at the time outstanding which are affected thereby, to modify the Indenture or any supplemental indenture or the rights of the
holders of Securities of such series to be affected, provided that no such modification will (i) extend the fixed maturity of any Securities, reduce the rate or extend the time of payment of interest thereon, reduce the principal amount thereof
or the premium, if any, thereon, reduce the amount of the principal of Original Issue Discount Securities payable on any date, change the currency in which Securities are payable, or impair the right to institute suit for the enforcement of any such
payment on or after the maturity thereof, without the consent of the holder of each Security so affected, or (ii) reduce the aforesaid percentage of Securities of any series the consent of the holders of which is required for any such
modification without the consent of the holders of all Securities of such series then outstanding, or (iii) modifythe rights, duties or immunities of the Trustee unless the Trustee agrees to such modification. 

No reference herein to the Indenture and no provision of this Note or of the Indenture shall alter or impair the obligation of the Company,
which is absolute and unconditional, to pay the principal of and interest on this Note at the times, place and rate, and in the coin or currency, herein prescribed. 

This Note is a Global Security registered in the name of a nominee of the Depository. This Note is exchangeable for Notes registered in the
name of a person other than the Depository or its nominee only in the limited circumstances hereinafter described. Unless and until it is exchanged in whole or in part for definitive Notes in certificated form, this Note may not be transferred
except as a whole by the Depository to a nominee of the Depository or by a nominee of the Depository to the Depository or another nominee of the Depository. 

  
 A-1 

 The Notes represented by this Global Security are exchangeable for definitive Notes in
certificated form of like tenor as such Notes in denominations of $1,000 and whole multiples of $1,000 in excess thereof only if (i) the Depository notifies the Company that it is unwilling or unable to continue as Depository for the Notes and
the Company is unable to appoint a successor depository or (ii) the Depository ceases to be a clearing agency registered under the Securities Exchange Act of 1934, as amended, or (iii) the Company in its sole discretion decides to allow
the Notes to be exchanged for definitive Notes in registered form. Any Notes that are exchangeable pursuant to the preceding sentence are exchangeable for certificated Notes issuable in authorized denominations and registered in such names as the
Depository shall direct. As provided in the Indenture and subject to certain limitations therein set forth, the transfer of definitive Notes in certificated form is registrable in the register maintained by the Company in The City of New York for
such purpose, upon surrender of the definitive Note for registration of transfer at the office or agency of the registrar, duly endorsed by, or accompanied by a written instrument of transfer in form satisfactory to the Company and the registrar
duly executed by, the holder thereof or his attorney duly authorized in writing, and thereupon one or more new Notes of this series and of like tenor, of authorized denominations and for the same aggregate principal amount, will be issued to the
designated transferee or transferees. Subject to the foregoing, this Note is not exchangeable, except for a Global Security or Global Securities of this issue of the same principal amount to be registered in the name of the Depository or its
nominee. 
 No service charge shall be made for any such registration of transfer or exchange, but the Company may require payment of a sum
sufficient to cover any tax or other governmental charge payable in connection therewith. 
 Prior to due presentment of this Note for
registration of transfer, the Company, the Trustee and any agent of the Company or the Trustee may treat the Person in whose name this Note is registered as the owner hereof for all purposes, whether or not this Note be overdue, and neither the
Company, the Trustee nor any such agent shall be affected by notice to the contrary. 
 The Company will pay additional amounts
(“Additional Amounts”) to the beneficial owner of any Note that is a non-United States person in order to ensure that every net payment on such Note will not be less, due to payment of U.S.
withholding tax, than the amount then due and payable. For this purpose, a “net payment” on a Note means a payment by the Company or a paying agent, including payment of principal and interest, after deduction for any present or future
tax, assessment or other governmental charge of the United States. These Additional Amounts will constitute additional interest on the Note. 

The Company will not be required to pay Additional Amounts, however, in any of the circumstances described in items (1) through
(14) below. 
  

	 	(1)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld solely by reason of the beneficial owner:

  

	 	(a)	having a relationship with the United States as a citizen, resident or otherwise; 

  

	 	(b)	having had such a relationship in the past or 

  

	 	(c)	being considered as having had such a relationship. 

  
 2 

	 	(2)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld solely by reason of the beneficial owner:

  

	 	(a)	being treated as present in or engaged in a trade or business in the United States; 

  

	 	(b)	being treated as having been present in or engaged in a trade or business in the United States in the past or 

  

	 	(c)	having or having had a permanent establishment in the United States. 

  

	 	(3)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld in whole or in part by reason of the beneficial owner
being or having been any of the following (as such terms are defined in the Internal Revenue Code of 1986, as amended): 

  

	 	(a)	personal holding company; 

  

	 	(b)	foreign private foundation or other foreign tax-exempt organization; 

  

	 	(c)	passive foreign investment company; 

  

	 	(d)	controlled foreign corporation or 

  

	 	(e)	corporation which has accumulated earnings to avoid United States federal income tax. 

  

	 	(4)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld solely by reason of the beneficial owner owning or
having owned, actually or constructively, 10 percent or more of the total combined voting power of all classes of stock of the Company entitled to vote or by reason of the beneficial owner being a bank that has invested in a Note as an extension of
credit in the ordinary course of its trade or business. 

 For purposes of items (1) through (4) above, “beneficial owner”
means a fiduciary, settlor, beneficiary, member or shareholder of the holder if the holder is an estate, trust, partnership, limited liability company, corporation or other entity, or a person holding a power over an estate or trust administered by
a fiduciary holder. 
  

	 	(5)	Additional Amounts will not be payable to any beneficial owner of a Note that is a: 

  

	 	(a)	fiduciary; 

  

	 	(b)	partnership; 

  

	 	(c)	limited liability company or 

  

	 	(d)	other fiscally transparent entity 

 or that is not the sole beneficial owner of the Note, or
any portion of the Note. However, this exception to the obligation to pay Additional Amounts will only apply to the extent that a beneficiary or settlor in relation to the fiduciary, or a beneficial owner or member of the partnership, limited
liability company or other fiscally transparent entity, would not have been entitled to the payment of an Additional Amount had the beneficiary, settlor, beneficial owner or member received directly its beneficial or distributive share of the
payment. 

  
 3 

	 	(6)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld solely by reason of the failure of the beneficial
owner or any other person to comply with applicable certification, identification, documentation or other information reporting requirements. This exception to the obligation to pay Additional Amounts will only apply if compliance with such
reporting requirements is required by statute or regulation of the United States or by an applicable income tax treaty to which the United States is a party as a precondition to exemption from such tax, assessment or other governmental charge.

  

	 	(7)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is collected or imposed by any method other than by withholding from a
payment on a Note by the Company or a paying agent. 

  

	 	(8)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld by reason of a change in law, regulation, or
administrative or judicial interpretation that becomes effective more than 15 days after the payment becomes due or is duly provided for, whichever occurs later. 

  

	 	(9)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is imposed or withheld by reason of the presentation by the beneficial owner
of a Note for payment more than 30 days after the date on which such payment becomes due or is duly provided for, whichever occurs later. 

  

	 	(10)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any: 

  

	 	(a)	estate tax; 

  

	 	(b)	inheritance tax; 

  

	 	(c)	gift tax; 

  

	 	(d)	sales tax; 

  

	 	(e)	excise tax; 

  

	 	(f)	transfer tax; 

  

	 	(g)	wealth tax; 

  

	 	(h)	personal property tax or 

  

	 	(i)	any similar tax, assessment, withholding, deduction or other governmental charge. 

  

	 	(11)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment, or other governmental charge required to be withheld by any paying agent from a payment of principal or
interest on a Note if such payment can be made without such withholding by any other paying agent. 

  
 4 

	 	(12)	Additional amounts will not be payable if a payment on a Note is reduced as a result of any tax, assessment or other governmental charge that is required to be made pursuant to any European Union directive on the
taxation of savings income or any law implementing or complying with, or introduced to conform to, any such directive. 

  

	 	(13)	Additional amounts will not be payable if a payment on a Note is reduced as a result of any withholding, deduction, tax, duty assessment or other governmental charge that would not have been imposed but for a failure by
the holder or beneficial owner of a Note (or any financial institution through which the holder or beneficial owner holds the Note or through which payment on the Note is made) to take any action (including entering into an agreement with the
Internal Revenue Service, or a governmental authority of another jurisdiction if the holder is entitled to the benefits of an intergovernmental agreement between that jurisdiction and the United States) or to comply with any applicable
certification, documentation, information or other reporting requirement or agreement concerning accounts maintained by the holder or beneficial owner (or any such financial institution), or concerning ownership of the holder or beneficial owner, or
any substantially similar requirement or agreement. 

  

	 	(14)	Additional Amounts will not be payable if a payment on a Note is reduced as a result of any combination of items (1) through (13) above. 

Except as specifically provided herein, the Company will not be required to make any payment of any tax, assessment or other governmental
charge imposed by any government or a political subdivision or taxing authority of such government. 
 As used in this Note, “United
States person” means: 
  

	 	(a)	any individual who is a citizen or resident of the United States; 

  

	 	(b)	any corporation, partnership or other entity created or organized in or under the laws of the United States; 

  

	 	(c)	any estate if the income of such estate falls within the federal income tax jurisdiction of the United States regardless of the source of such income and 

 

	 	(d)	any trust if (i) a United States court is able to exercise primary supervision over its administration and one or more United States persons have the authority to control all of the substantial decisions of the
trust; or (ii) it has a valid election in effect under applicable United States Treasury regulations to be treated as a United States person. 

Additionally, “non-United States person” means a person who is not a United States person,
and “United States” means the states of the United States of America and the District of Columbia, but excluding its territories and its possessions. 

Except as provided below, the Notes may not be redeemed prior to maturity. 

  
 5 

 (1) The Company may, at its option, redeem the Notes if: 

 

	 	(a)	the Company becomes or will become obligated to pay Additional Amounts as described above; 

  

	 	(b)	the obligation to pay Additional Amounts arises as a result of any change in the laws, regulations or rulings of the United States, or an official position regarding the application or interpretation of such laws,
regulations or rulings, which change is announced or becomes effective on or after March 4, 2014 and 

  

	 	(c)	the Company determines, in its business judgment, that the obligation to pay such Additional Amounts cannot be avoided by the use of reasonable measures available to it, other than substituting the obligor under the
Notes or taking any action that would entail a material cost to the Company. 

  

	 	(2)	The Company may also redeem the Notes, at its option, if: 

  

	 	(a)	any act is taken by a taxing authority of the United States on or after March 4, 2014, whether or not such act is taken in relation to the Company or any affiliate, that results in a substantial probability that
the Company will or may be required to pay Additional Amounts as described above; 

  

	 	(b)	the Company determines, in its business judgment, that the obligation to pay such Additional Amounts cannot be avoided by the use of reasonable measures available to it, other than substituting the obligor under the
Notes or taking any action that would entail a material cost to the Company and 

  

	 	(c)	the Company receives an opinion of independent counsel to the effect that an act taken by a taxing authority of the United States results in a substantial probability that the Company will or may be required to pay the
Additional Amounts described above, and delivers to the Trustee a certificate, signed by a duly authorized officer, stating that based on such opinion the Company is entitled to redeem the Notes pursuant to their terms. 

Any redemption of the Notes as set forth in clauses (1) or (2) above shall be in whole, and not in part, and will be made at a redemption price
equal to 100% of the principal amount of the Notes Outstanding plus accrued interest thereon to the date of redemption. Holders shall be given not less than 30 days nor more than 60 days prior notice by the Trustee of the date fixed for such
redemption. 
 All terms used in this Note which are defined in the Indenture shall have the meanings assigned to them in the Indenture. The
Notes are governed by the laws of the State of New York. 

  
 6 

 Schedule 1 

Redemptions and Amount of Securities 
  

							
	 Date of partial redemption
	 	 Aggregate principal amount of
Securities then
redeemed
	 	 Remaining principal amount of this
Global
Security
	 	 Authorized Signature

		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	
		 		 		 	

  
 7

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