Document:

Second amendment to ESPP

 Exhibit 10.24 
 Second Amendment to 
 Stericycle, Inc. Employee
Stock Purchase Plan 
 The Stericycle, Inc. Employee Stock Purchase Plan (the “Plan”), as amended and restated on
May 16, 2007 and as subsequently amended on May 28, 2008, is amended as follows pursuant to the authority of the Board of Directors of Stericycle, Inc. under Paragraph 7.2 of the Plan: 
  

	 	1.	Amendment of Section 6.13 

 Section 6.13 of the Plan is amended to read as follows: 
 6.13 Limitations 
 Notwithstanding any other provision of this Plan: 
 (a) No Option shall be granted to any Eligible Employee for a number of shares of Common Stock greater than the number of
shares determined by dividing (i) $25,000 by (ii) the Closing Price of a share of Common Stock on the First Day of the Offering (or on the first trading day following the First Day if it is not a trading day), rounding the quotient down to
the nearest whole share. 
 (b) No Option shall be granted to any Eligible Employee that would permit his or her
rights to purchase shares of Common Stock under this Plan and all other employee stock purchase plans of the Company or any Subsidiary to accrue at a rate exceeding $25,000 of the fair market value of such shares (determined at the time that the
Option is granted) during any calendar year in which the Option is outstanding. Any Option granted under this Plan shall be deemed to be modified to the extent necessary in order to satisfy the requirements of this Paragraph 6.13(a) and
Section 423(b)(8) of the Internal Revenue Code. 
 (c) No Option shall be granted to any Eligible Employee
if, immediately after the Option is granted, he or she would own (or would be deemed to own, applying the rules of Section 423(b)(3) of the Internal Revenue Code) stock possessing 5% or more of the voting power or value of all classes of stock
of the Company or any Subsidiary. 
  

	 	2.	Effective Date 

 This
Amendment shall be effective as of January 1, 2010.The Prudential Insurance Company of America Deferred Compensation Plan

 Exhibit 10.11 
 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 
 DEFERRED
COMPENSATION PLAN 
 (UNLESS OTHERWISE NOTED, 
 AS AMENDED AND RESTATED EFFECTIVE AS OF JUNE 1, 2009) 
 This document constitutes
part of a prospectus covering securities that have been registered 
 under the Securities Act of 1933. 

 THE PRUDENTIAL INSURANCE COMPANY OF AMERICA 
 DEFERRED COMPENSATION PLAN 
 ARTICLE I—PURPOSE, EFFECTIVE DATE 
 1.1 Purpose 
 The purpose of The Prudential Insurance Company of America Deferred Compensation Plan (the “Plan”) is to provide the opportunity
for selected employees to defer, subject to the Plan’s terms, a portion of their incentive compensation and have it accumulate on a tax-deferred basis. The Plan is intended to be, and shall be administered as, an unfunded plan maintained for
the purpose of providing deferred compensation for a select group of management or highly compensated employees within the meaning of Title I of ERISA (as defined below). 
 1.2 Effective Date 
 The Plan, as hereby amended and restated, is generally
effective as of June 1, 2009, unless specifically noted otherwise. 
 ARTICLE II—DEFINITIONS 
 For the purposes of this Plan, the following terms shall have the meanings indicated, unless the context clearly indicates otherwise:

 “Account” means the bookkeeping convention device used by the Employer to measure and determine the amount to be
paid to a Participant under the Plan, which shall be bifurcated into a Pre-2005 Account and a Post-2004 Account, to the extent provided in Section 6.1 hereof. 
 “Annual Compensation” means, for purposes of determining general eligibility to participate in the Plan under Section 3.1(a)(iii) and for purposes of determining “Eligible
Compensation” for Insurance Sales Professionals referenced at Section 3.2(a)(iv), (a) for such Insurance Sales Professionals, the total compensation received by such employee that is reportable on Form W-2 as gross income for any Plan
Year; and (b) for all other Employees, such Employee’s gross salary and incentive bonus (including any sales bonus) payable in any Plan Year. 
 “Beneficiary” or “Beneficiaries” means the person, persons or entity entitled under Article V to receive any Plan benefits payable after a Participant’s death. 
 “Board” means the Board of Directors of the Company. “Code” means the Internal Revenue Code of 1986, as amended from
time to time (including, but not limited to, any regulations or other interpretative guidance promulgated under the Code by the U.S. Department of the Treasury or the Internal Revenue Service, as applicable, which also may be cited separately as
“Treasury Regulations” for purposes of this Plan). 
 “Committee” shall have the meaning set forth in
Section 7.1. 
 “Company” means The Prudential Insurance Company of America. 

 “Company Retirement Plan” means either (a) The Prudential Traditional
Retirement Plan Document, or (b) the Prudential Cash Balance Pension Plan Document, both components of The Prudential Merged Retirement Plan. 
 “Continuing Service Participant” means a Participant who ceases to be an employee of, but continues to provide services to, any of the 409A Service Recipients following his Retirement or
Termination of Employment, or is reasonably expected (at the time of such Retirement or Termination of Employment) to provide services to any of the 409A Service Recipients within 12 months of such termination of employment. 
 “Corporate Compensation” has the meaning set forth in Section 7.1. 
 “Deferral Commitments” has the meaning set forth in Section 3.2(b). 
 “Deferral Period” means, for each Participant, the period of time commencing on the first day of the Plan Year in which Eligible
Compensation would otherwise be payable unless deferred pursuant to the terms of the Plan, and ending on the date elected by the Participant (or otherwise determined under the Plan) as provided for in Article III and Article IV. 
 “Disability” means the first date on or prior to the Participant’s Termination of Employment as of which such Participant
qualifies for long-term disability benefits under the Company’s Welfare Benefits Plan, or comparable long-term disability benefits plan or program sponsored by the Employer or Participating Subsidiary, if applicable. 
 “Eligible Compensation” shall have the meaning set forth in Section 3.2(a). 
 “Eligible Employee” shall have the meaning set forth in Section 3.1(a). 
 “Employer” means the Company and any successor of the Company as designated by the Board. 
 “Employee” generally means, as of any relevant date, any individual who is compensated by the Employer or any Participating
Subsidiary for services actually rendered as either a common law employee or as a statutory employee under Code Section 3121(d)(3) (relating to full time life insurance salesman) including, for these purposes and to the degree not specifically
described above, agents and other insurance sales professionals of the Employer and any Participating Subsidiary. The term “Employee,” however, for purposes of Section 3.1 of this Plan, does not include: (a) any individual who is
on a paid or unpaid leave of absence from the Company or any Participating Subsidiary; (b) any individual who is on Disability; (c) any individual who is receiving severance or similar benefits related to a Termination of Employment from a
severance plan or program sponsored or maintained by the Company, any Participating Subsidiary, or any other affiliate of the Company; or (d) any employee or agent of a subsidiary or an affiliate of the Company that is not a Participating
Subsidiary at such time as the Deferral Commitment for a particular Plan Year must be made, unless otherwise provided for in Exhibit A. 
 “ERISA” means the Employee Retirement Income Security Act of 1974, as amended from time to time (including, but not limited to, any regulations or other interpretative guidance promulgated under
ERISA by either the U.S. Department of Labor, the Internal Revenue Service (with respect to Title II of ERISA), or the Pension Benefit Guaranty Corporation (with respect to Title IV of ERISA), as applicable). 
 “409A Service Recipients” means the Company and each other entity which is in the same controlled group of affiliated employers as
the Company, as determined in accordance with the rules under Section 414(b) and (c) of the Code. 

 “Financial Hardship” means severe financial hardship to the Participant resulting
from a sudden and unexpected illness or accident of the Participant or of a dependent (as defined in Section 152(a) of the Code) of the Participant, loss of the Participant’s property due to casualty, or other similar extraordinary and
unforeseeable circumstances arising as a result of events beyond the control of the Participant. The circumstances that will constitute a Financial Hardship will depend upon the facts of each case, but in any case, payment may not be made to the
extent that such hardship is or may be relieved: 
  

	 	(a)	Through reimbursement or compensation by insurance or otherwise; 

  

	 	(b)	By liquidation of the Participant’s or Participant spouse’s assets, to the extent the liquidation of such assets would not itself cause severe financial
hardship; or 

  

	 	(c)	By cessation of deferrals under the Plan. 

 For
purposes of the definition of the term “Financial Hardship,” the term “unforeseeable emergencies” does not encompass sending a Participant’s dependent to college or the desire to purchase a home, and is intended to be
interpreted consistent with the definition of the term under Treasury Regulations Section 1.457-2(h)(4). 
 “Hardship
Withdrawal” has the meaning set forth in Section 4.3. 
 “Institutional and Retirement Sales Professionals,”
“Institutional Sales Professionals,” “Insurance Sales Professionals,” “Investment Professionals,” and “Investment Sales Professionals,” as used in Article III, refer to Employees of the Employer or any
Participating Subsidiary performing such functions as such terms are generally understood within the Employer or such Participating Subsidiary. 
 “Insurance Sales Matching Contributions” has the meaning set forth in Section 3.2(c). 
 “Participant” means (a) an Employee who has satisfied the eligibility requirements of Article III for any Plan Year and (b) has amounts credited to his or her Account under the terms
of Article VI. 
 “Participating Subsidiary” means the following affiliates of the Employer as of the Plan’s
Effective Date: PruLease, PAMCO, Prudential Investment Corporation, Prudential Bank & Trust, INTECH, Prudential Mutual Funds LLC, Prudential Real Estate Affiliates, PTC Services, Inc., Prudential HR Management Company, Prudential Mortgage
Capital Company LLC, and Prudential Financial, Inc. (effective as of January 1, 2002). In addition to these entities, the term “Participating Subsidiary” means 
  

	 	(a)	any affiliate of the Employer, including, but not limited to 

  

	 	(i)	any member of a “controlled group of corporations” (as such term is defined in Code Section 1563(a), without regard to the limitations of Code Sections
1563(a)(4) and 1563(e)(3)(C)) of which the Employer is a member, 

  

	 	(ii)	any trade or business, whether incorporated or not, which for any part of a Plan Year is considered to be under common control with the Employer under Code
Section 414(c), 

  

	 	(iii)	any member of an affiliated service group (as such term is defined under Code Section 414(m)) of which the Employer is a member; and 

  

	 	(b)	that the Compensation Committee of the Board as of the Effective Date or hereafter has designated as an entity whose employees may be eligible to participate under the
applicable terms of the Plan. 

 “Participation Agreement” means the agreement submitted by a Participant to the
Committee (or its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) prior to the beginning of the Deferral Period, with respect to a Deferral Commitment made for such Deferral Period.

 “Plan” means this Deferred Compensation Plan as amended from time to time. 
 “Plan Year” means the calendar year. 
 “Post-2004 Account” means a sub-account established within a Participant’s Account pursuant to Section 6.1 to separately record the portion, if any, of a Participant’s Account
which is attributable to Eligible Compensation that had been credited to such Account and which was earned or vested after December 31, 2004, and earnings thereon. 
 “Pre-2005 Deferred Compensation Account” means a sub-account established within a Participant’s Account pursuant to Section 6.1 to separately record the portion, if any, of a
Participant’s Account which is attributable to Eligible Compensation that had been credited to such Account and which was earned and vested as of December 31, 2004, and earnings thereon. 
 “Prudential Cash Balance Pension Plan” means the Prudential Cash Balance Pension Plan Document, a component of the Company
Retirement Plan. 
 “Prudential Traditional Retirement Plan” means The Prudential Traditional Retirement Plan
Document, a component of the Company Retirement Plan. 
 “Restricted Investment Option” means any investment option
(e.g., the Prudential Financial, Inc. Common Stock Fund or the Prudential Retirement Real Estate Fund) designated as available for the notional investment of Participants’ Accounts that the Plan Administrator shall from time to time have
designated as subject to such restrictions or conditions on notional investment transfers (whether into or out of such investment option), withdrawals or distributions as the Plan Administrator shall establish from time to time. 
 “Retires” or “Retirement” means a Participant’s Termination of Employment (as defined below, including the special
provisions applicable to a Continuing Service Participant) on or after the earliest date on which he or she satisfies any of the following conditions: (i) has attained age 50 and has completed 20 years of service; (ii) has
attained age 55 and has completed 10 years of service or (iii) has attained age 65. Whether a Participant Retires or has reached Retirement shall be determined regardless of whether, as of the date of his or her Termination of
Employment, the Participant has commenced receipt of his or her Pension from the Prudential Traditional Retirement Plan or any comparable retirement plan sponsored by the Employer or Participating Subsidiary 
 “Termination of Employment” means a Participant’s separation from service from the 409 Service Recipients for any reason
other than death; provided however, that, in the case of any Continuing Service Participant, the term Termination of Employment or Retirement (and any similar terms used in this Plan) shall be deemed to refer to the date at which such
Participant incurs a “separation from service,” within the meaning of Section 409A of the Code and the regulations promulgated thereunder, from the 409A Service Recipients. This means that rather than being entitled to receive a
distribution hereunder upon, or at a specified time following, a termination of employment, a Continuing Service Participant shall only be entitled to receive such distribution upon, or at a specified time following, such a separation from service.

 “Unforseeable Emergency” means is a severe financial hardship to the Participant resulting from an illness or
accident of the Participant or the Participant’s spouse or dependents; 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. Whether a Participant has an Unforseeable Emergency shall be determined on the particular facts and circumstances pertaining to such Participant, in accordance with the provisions of Section 409A of the Code and the regulations
promulgated thereunder. 

 ARTICLE III— 
 ELIGIBILITY, PARTICIPATION AND DEFERRAL COMMITMENTS 
 3.1
Eligibility and Participation 
  

	 	(a)	Eligibility. Eligibility to participate in the Plan shall be limited to any one of the following Employees (each, an “Eligible Employee”) who is:

  

	 	(i)	at Vice President rank (Grade 06P) and above; 

  

	 	(ii)	at Managing Director rank and above; and/or 

  

	 	(iii)	the following select group of management and highly compensated Employees who satisfy the Annual Compensation thresholds set forth below as of the particular Plan Year
(if noted): 

  

	 	(A)	For Plan Year 2000 Deferral Commitments only: 

  

	 	(I)	An Investment Professional at Senior Vice President and Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year;
and 

  

	 	(II)	An Institutional and Retirement Sales Professional at Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $250,000 in any Plan Year;

  

	 	(B)	For Plan Year 2001 Deferral Commitments and beyond: 

  

	 	(I)	An Investment Professional at Senior Vice President and Vice President rank whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year;

  

	 	(II)	An Investment Sales Professional at Regional Manager rank and above whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year; and

  

	 	(III)	An Institutional Sales Professional at Sales Manager rank and above whose Annual Compensation exceeds (or is anticipated to exceed) $200,000 in any Plan Year; and/or

  

	 	(C)	An Insurance Sales Professional whose Annual Compensation exceeds (or is anticipated to exceed) $100,000 for such Plan Year. 

	 	(b)	 Participation. An Eligible Employee may elect to participate in the Plan with respect to the Deferral Period by submitting a Participation
Agreement by the 31st day of December, or such other date
specified in the enrollment materials, which must be in the year preceding the Plan Year in which the services in respect of which the Eligible Compensation is payable commence to be performed by the Participant. 

 3.2 Deferral Commitments and Insurance Sales Professionals Matching Contributions 
  

	 	(a)	Eligible Compensation. The following compensation is eligible for deferral, in whole or in part, under the Plan by an Eligible Employee (“Eligible
Compensation”): 

  

	 	(i)	Grants under the Employer’s or any Participating Subsidiary’s long-term incentive award plans, the precise amounts of which, as of the time such Employee may
complete a Participation Agreement, are unknown to such Employee; 

  

	 	(ii)	Grants under the Employer’s or any Participating Subsidiary’s sales bonus award plans, the precise amounts of which, as of the time such Employee may complete
a Participation Agreement, are unknown to such Employee; 

  

	 	(iii)	Grants under the Employer’s or any Participating Subsidiary’s annual incentive award plans, the precise amounts of which, as of the time such Employee may
complete a Participation Agreement, are unknown to such Employee; and 

  

	 	(iv)	For Insurance Sales Professionals described in Section 3.1(a)(iii)(c) above, all amounts in excess of $100,000 of Annual Compensation earned during the Plan Year
subsequent to the year in which such Employee executes a Participation Agreement in accordance with the terms of Section 3.4. 

 For purposes of this Section 3.2(a), the term “Eligible Compensation” does not include any (a) salary payments made to Eligible Employees (except as may be included under the terms of
Section 3.2(a)(iv) above), (b) any supplemental bonuses paid to an Eligible Employee that are not part of a compensation plan sponsored by the Employer or any Participating Subsidiary, (c) any severance payments paid to an Eligible
Employee, or (d) any amounts under any such long-term incentive award, sales bonus award or annual incentive award plans or other programs or arrangements that are “guaranteed” by the Employer or any Participating Subsidiary to an
Eligible Employee, whether or not as part of an employment or severance agreement with such Eligible Employee, or are otherwise known or determinable by such Employee as of the time of such Eligible Employee’s enrollment in the Plan pursuant to
a Participation Agreement. Notwithstanding anything else contained herein to the contrary, so long as an Eligible Employee completes a Participation Agreement in respect thereof at a time established by Corporate Compensation in compliance with the
requirements of Section 409A of the Code, grants under the Employer’s or any Participating Subsidiary’s notional carried interest investment plan, as to which the Eligible Employee had an earned and vested right to payment as of
December 31, 2004 and payment of which is made after 2007, shall be treated as Eligible Compensation. 

	 	(b)	Form of Deferral. The amount of Eligible Compensation that Eligible Employees may defer under the Plan with respect to services to be performed in any subsequent
Plan Year or Years (the “Deferral Commitment”) shall be indicated on any Participation Agreement as a percentage (in five percent (5%) increments up to eighty percent (80%)) for Participants that are Insurance Sales
Professionals; and for all other Participants, a percentage (in five percent (5%) increments up to eighty-five percent (85%)), of such participant’s annual incentive award or long-term incentive award. 

  

	 	(c)	Insurance Sales Professional Matching Contribution. For any Eligible Employee who is an Insurance Sales Professional and who makes a Deferral Commitment under
the Plan in respect of any Plan Year, an Insurance Sales Professional Matching Contribution shall be made on such Participant’s behalf with respect to the Deferral Commitment in an amount equal to three percent (3%) of such Deferral
Commitment. 

 3.3 Deferral Period 
  

	 	(a)	General Rule. Once the Eligible Employee has completed a Participation Agreement with respect to an amount of Eligible Compensation, a new Deferral Period begins
on the first day of the Plan Year in which the Participant commences the services in respect of which the Eligible Compensation would otherwise be earned unless deferred pursuant to the terms of the Plan. Except as otherwise expressly provided
herein (including, but not limited to, Section 4.1), such new Deferral Period will extend, at the Participant’s election, as set forth in the Participation Agreement, to any of the following: 

  

	 	1)	A specified date in a year subsequent to the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been payable to such
Participant; 

  

	 	2)	The Participant’s Retirement; 

  

	 	3)	January of the year following the Participant’s Retirement; or 

  

	 	4)	The Participant’s death, Disability or Termination of Employment; 

 provided, however, effective for Plan Years beginning after Plan Year 2007, (i) to the degree that a Participant has elected a fixed payment date pursuant to clause (1) above that has not
occurred at the date of the Participant’s Retirement, payments from the Participant’s Account will commence, regardless of such fixed date election, on the first anniversary of the Participant’s Retirement, and (ii) in all
events, irrespective of the Participant’s election of a specified date, Retirement, January of the year following Retirement or Disability or Termination of Employment under this Section 3.3, payments shall commence under the Plan no later
than the last day of the Plan Year in which any such Participant has attained age 70 1/2, as determined under the books and records of the Company. 
  

	 	(b)	Special Transition Rule Elections. Notwithstanding the provisions of Section 3.3(a), the Committee may permit any or all Participants, or any class of
Participants, to change either or both the Deferral Period and the distribution elections applicable to all or any specified portion of the Participant’s Post-2004 Account in accordance with, and not later than the latest date specified under,
the special transition relief applicable under the guidance promulgated under Section 409A of the Code. 

 3.4 Enrollment 
  

	 	(a)	General Rule. In order for an Eligible Employee to become a Participant under the Plan, the Eligible Employee must complete a Participation Agreement and submit
it to the Committee (or its representative, Corporate Compensation) in the time frame specified in Section 3.1(b). If a Participation Agreement is not received by such date, the Eligible Employee is deemed to have elected not to defer any
Eligible Compensation under the Plan for such subsequent Plan Year. Except as otherwise expressly provided in Section 3.3(b), once received by the Committee (or its representative, Corporate Compensation (including any Plan Administrator
designated by Corporate Compensation)), such election to defer Eligible Compensation is irrevocable by the Eligible Employee. 

  

	 	(b)	Effect of Enrollment in the Event of a Termination of Employment. Effective in respect of compensation payable for services to be commenced in Plan Years
beginning on or after January 1, 2008, if an otherwise Eligible Employee incurs a Termination of Employment after completing a Participation Agreement in respect of services to be performed commencing in such Plan Year, but prior to the
commencement of such Plan Year, such election for that Plan Year will be deemed null and void and no amounts will be credited to the Participant’s Account under the Plan. In the event that an Eligible Employee completed a Participation
Agreement and commenced the services to which such Eligible Compensation relates, such Participation Agreement will continue in full force and effect (to the extent the Participant is otherwise entitled to receive any compensation under the terms of
the plan(s) or agreement(s) governing the payment of such Eligible Compensation). Any amount credited to the Participant’s account following Termination of Employment shall be paid in accordance with the provisions of Article IV applicable with
respect to such Deferral Commitment. 

 3.5 Vesting 
 Participants will, at all times, be fully vested in the notional value of their Account balances under the Plan (which, due to notional
gains, losses and interest, may be greater or lesser than the amount of Eligible Compensation actually deferred under the Plan). 
 ARTICLE IV—DISTRIBUTIONS 
 4.1 Distribution Election Requirements 
 Except as otherwise expressly provided herein, a Participant may elect to commence to receive a distribution of amounts deferred with respect
to a Deferral Period (i) at a fixed date or (ii) at or within a specified period of time following Retirement; provided, however, that (A) if a Participant has a Termination of Employment prior to qualifying for
Retirement or prior to the occurrence of a specified date on which payments are to commence in respect of a Deferral Period, any distributions to be made under the Plan (other than distributions that have already commenced to be paid as of a fixed
date prior to Termination of Employment) shall be made in connection with such Termination of Employment regardless of the Participant’s election of a different commencement date, and (B) certain other exceptions specified below
may, in specified circumstances, modify a Participant’s election as to the payment commencement date. Upon enrollment in respect of a Deferral Period, in order for the Participation Agreement to be deemed valid by the Committee (or its
representative, Corporate Compensation) in respect of Eligible Compensation, the Participant must elect (i) either a fixed payment commencement date or the time at which distributions will commence following

 
Retirement, (ii) a general distribution option for amounts deferred under the Plan (other than on account of a Termination of Employment prior to qualifying for Retirement or prior to
attaining an elected fixed payment date for the commencement of such distributions) that will establish a specified schedule for the payment of distributions of the deferred amounts, and (iii) a distribution option that will establish a
specified schedule for the payment of distributions of the deferred amounts in the event of the Participant’s Termination of Employment prior to qualifying for Retirement or prior to attaining an elected fixed payment date for the commencement
of such distributions. Except as otherwise expressly provided herein, a Participant who fails to elect (i) a payment commencement date shall be deemed to have elected to receive a distribution commencing immediately (subject to
Section 4.1(d)) following his or her Termination of Employment (including, where applicable, Retirement)) or (ii) a distribution option (whether under the general rules or in connection with a Termination of Employment prior to
qualifying for Retirement) shall be deemed to have elected a single, lump sum payment. 
  

	 	(a)	Payment Date. Except as otherwise expressly provided herein, Participants will elect a payment date to commence payment of amounts deferred each Plan Year that
they participate in the Plan. The payment date options that a Participant may elect are: 

  

	 	(i)	Retirement; 

  

	 	(ii)	January of the year following Retirement; or 

  

	 	(iii)	A future specified date in a year that is subsequent to the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been
payable to such Participant; 

 provided that, (A) to the degree that a Participant
has elected a fixed payment date pursuant to (iii) above that has not occurred at the date of the Participant’s Retirement, payments from the Participant’s Account will commence, regardless of such fixed date election, on the first
anniversary of the Participant’s Retirement, (B) in all events, irrespective of the Participant’s election of a specified date, Retirement, or January of the year following Retirement, payments shall commence under the Plan no later
than the last day of the Plan Year in which any such Participant has attained age 70  1/2, as determined under the books and records of the Company and (C) any election to commence distributions upon Retirement or the January following Retirement shall be subject to the provisions of
Section 4.1(d), if applicable to the Participant. 
  

	 	(b)	General Distribution Option. Except as otherwise expressly provided herein, for Participants whose service continues until Retirement or who have elected payment
at a fixed payment date which occurs prior to the date of the Participant’s Termination of Employment, any one of the following general distribution options may be chosen for payments commencing at the payment date determined in accordance with
Section 4.1(a): 

  

	 	(i)	A single, lump sum payment; 

  

	 	(ii)	36 monthly installments; 

  

	 	(iii)	60 monthly installments; or 

  

	 	(iv)	120 monthly installments 

  

	 	(c)	 Distribution Option in Case of Termination. Except as otherwise expressly provided herein, for Participants whose service does not continue
until Retirement, distributions which have not been scheduled to commence under the Plan in

	 	 
accordance with the Participant’s elections will commence promptly (and in no event more than 90 days) following such Termination of Employment regardless of any election made pursuant to
Section 4.1(a). A Participant may choose either of the following distribution options in the event that distribution commences on account the Participant’s Termination of Employment prior to qualifying for Retirement :

  

	 	(i)	A single, lump sum payment payable as soon as practicable after such termination; or 

  

	 	(ii)	36 monthly installments beginning January of the year following the Participant’s Termination of Employment. 

  

	 	(d)	Six Month Delay in Commencement of Distribution in Respect of Specified Employees. Notwithstanding anything else contained in this Section 4.1 or elsewhere
in the Plan to the contrary, any distribution from a Participant’s Post-2004 Account on account of Termination of Employment or Retirement (other than any such event occurring in connection with the Participant’s death) to a Participant
who, at the time such distribution would commence, is a “specified employee” within the meaning of Section 409A and the regulations promulgated thereunder shall not commence earlier than six months following the date such Participant
incurs such Termination of Employment or Retirement. To the extent that any amount distributable to a Participant is delayed by reason of this Section 4.1(d), such amount shall continue to be held in accordance with the terms of the Plan and
the delayed distribution shall be made on the six month anniversary of the Participant’s Termination of Employment or Retirement. Corporate Compensation shall determine who is specified employee as of each December 31 in accordance with
procedures adopted in compliance with Section 409A, and such determination shall be effective for determining who is a specified employee with respect to distributions commencing in the 12 month period commencing on the next following
April 1 and continuing through the second following March 31. 

  

	 	(e)	 Special Rules for Insurance Sales Professionals. Notwithstanding anything else contained herein (other than Section 4.5) to the contrary,
with respect to any Participant who is an Insurance Sales Professional the only payment date option that shall be available with respect to (i) any Eligible Compensation and that is payable with respect to services rendered after
December 31, 2008 that is subject to a Deferral Commitment and (ii) any amount credited or to be credited to such Participant’s Post-2004 Account in respect of any Deferral Commitment which relates to any Deferral Period beginning
prior to January 1, 2009 shall be a future specified date in a year subsequent to the later of (A) the year in which the Eligible Compensation deferred under the terms of this Plan would otherwise have been payable to the
Participant and (B) 2008. Any such Participant shall select the applicable date of payment (as well as the distribution option related thereto) in accordance with the otherwise applicable provisions of the Plan (including, without
limitation, Sections 3.2 and 4.1, and, to the extent permitted by the Committee, Section 3.3(b)), except that, subject to the provisions of Section 4.5, the fixed payment date elected or established under this Section 4.1(e) and the
distribution option elected or established with respect thereto in accordance with this Section 4.1 shall apply as of the elected fixed payment date regardless of whether the Insurance Sales Professionals has had a Termination of Employment or
Retirement prior to such fixed payment date. If a Participant fails to elect a fixed payment date, the payment date shall be deemed to be the calendar year in which the Participant would attain age 65 or, if such year is prior to 2009 or has
occurred prior to, or is, the year in which the Eligible Compensation deferred would otherwise have been payable to the Participant, the payment date shall be the later of (i) 2009 and (ii) the calendar year in which the Insurance Sales
Professional would attain age 70  1/2.

 4.2 Payments 
  

	 	(a)	General Rule. Subject to the terms of the Plan (including, but not limited to, Section 4.1(c) and 4.1(d)), payments will be made as of the date or event
elected in the Participation Agreement and according to the distribution payment option elected. 

  

	 	(b)	Small Account Balances – Lump Sum Cashout. Notwithstanding the foregoing, in the event the Participant’s Account balance, when coupled with the amounts
credited to the Participant under all other account balance plans maintained by any of the 409A Service Recipients which are required to be aggregated with this Plan for purposes of Section 409A of the Code, is ten thousand dollars ($10,000) or
less at the time a distribution of the Participant’s Account balance would commence by reason of the application of Sections 4.1, 4.6 or 4.7, the amount of such Participant’s Account balance under this Plan and all other such account
balance plans shall be paid out in a lump sum notwithstanding the form of benefit payment elected by the Participant under Section 4.1(b), (c) or (e), Section 4.6 or 4.7, as applicable. For purposes of this Section 4.2(b), a
Participant’s Account balance shall be valued in accordance with the general provisions of Section 6.4(a). 

 4.3
Hardship and Unforseeable Emergency Withdrawals 
 In the event of Financial Hardship, a Participant may request payment of
all or a portion of the amounts credited to a Participant’s Pre-2005 Account to be accelerated (a “Hardship Withdrawal”). In the event the Participant requests that payment be advanced through a Hardship Withdrawal, the amount
involved cannot exceed the lesser of (i) the funds required to satisfy the Financial Hardship or (ii) the excess of the balance in the Participant’s Pre-2005 Account minus the amount, if any, of such balance deemed invested in a
Restricted Investment Option which is not then available for withdrawal due to the applicable restrictions or conditions on such Restricted Investment Option. A Participant may request to receive a distribution of all or a portion of his or her
Post-2004 Account on account of an Unforseeable Emergency. The amount that may be distributed pursuant to the immediately preceding sentence shall not exceed the lesser of (i) the amount necessary to resolve the financial need arising due to an
Unforseeable Emergency and the taxes that would due upon such distribution or (ii) the excess of the Participant’s balance in his or her Pre-2005 Account as of the date of such withdrawal minus the amount, if any, of such balance deemed
invested in a Restricted Investment Option which is not then available for withdrawal due to the applicable restrictions or conditions on such Restricted Investment Option. In no event shall any financial need be deemed an Unforseeable Emergency to
the extent that the related financial need is or may be relieved through reimbursement or compensation from insurance or otherwise, by liquidation of the Participant’s assets, to the extent such liquidation would not itself cause severe
financial hardship (including, without limitation, distribution of any amount that is available for a Hardship Withdrawal from the Participant’s Pre-2005 Account), or by cessation of deferrals under the Plan. 
 The Participant will be required to produce any information that the Committee finds necessary or appropriate to make a determination of
whether the participant has a Financial Hardship or an Unforseeable Emergency. Any Hardship Withdrawal or withdrawal on an account of an Unforseeable Emergency shall be payable in a lump sum within 30 days of the date that the Committee shall have
determined that such a Hardship or Unforseeable Emergency exists which entitles a Participant to receive a distribution under this Section 4.3. 
 In the event the Participant receives a Hardship Withdrawal or a withdrawal with respect to an Unforseeable Emergency, the Participant will be precluded from deferring additional Eligible Compensation in
respect of services that would commence to be performed in the subsequent Plan Year. 

 4.4 Early Distribution With Penalty 
 A request for an Early Distribution With Penalty of the Participant’s Pre-2005 Account balance may be made by submitting a Deferred
Compensation Withdrawal Form at any time during a Plan Year. The amount distributed from the Pre-2005 Account will be reduced by a penalty of ten percent (10%) of the Account. For purposes of any such Early Distribution With Penalty, the
Account will be valued as of the date on which the request is received and will be paid in a lump sum within thirty (30) days of receipt by the Committee (or its representative, Corporate Compensation (including any Plan Administrator
designated by Corporate Compensation)) of such Withdrawal Form. Notwithstanding the foregoing to the contrary, in no event shall the distribution from the Pre-2005 Account for purposes of Early Distribution With Penalty include any amount that is
deemed invested in a Restricted Investment Option which is not then available for distribution due to applicable restrictions or conditions on such Restricted Investment Option. 
 If an Early Distribution With Penalty payment is made, the Participant will be precluded from deferring additional Eligible Compensation in
respect of services that would commence to be performed in the subsequent Plan Year. 
 Any penalty amounts withheld from the
Early Distribution With Penalty shall be returned to the Employer’s general assets. 
 4.5 Distributions on the Participant’s Death

 Notwithstanding the distribution and payment options elected or established hereunder (including, without limitation, the
distribution options elected or established in Section 4.1(e)), payment of the entire account balance in a single lump sum will be made to the Participant’s designated Beneficiary upon the Participant’s death. Should the
Participant’s death occur after monthly installments have already started in accordance with the applicable provisions of the Plan, the balance of the Participant’s account shall become due and payable in one single lump sum to the
Beneficiary within thirty (30) days of the Participant’s death. 
 4.6 Distributions on the Participant’s Disability

 Subject to Section 4.1(d), if applicable, should the Participant incur a Disability, payment(s) in the elected form
specified for General Distribution Options will begin within thirty (30) days of notification of the Participant’s Disability, except that, if Disability should occur after monthly installments have already started in accordance with the
applicable provisions of the Plan, payments will continue for the remainder of the elected installment period. This section shall not apply to the Post-2004 Account of any Insurance Sales Professional, which shall be governed by the provisions of
Section 4.1(e). 
 4.7 Distributions On the Participant’s Termination of Employment 
 Except as provided in this Section 4.7, in the event of a Participant’s Termination of Employment for any reason other than
Retirement, death, or Disability, distribution of any amounts in respect of a Deferral Commitment shall be made in connection with such Termination of Employment, in accordance with the distribution option applicable to such Deferral Commitment
pursuant to Section 4.1(c), regardless of whether the Participant had otherwise elected to commence payment of the Deferral Commitment at a fixed payment date that is after the date of such Termination of Employment. Notwithstanding the
immediately preceding sentence, if payment in respect of a Deferral Commitment were to have commenced as of fixed date specified by the Participant occurring prior to such Termination of Employment, distributions shall be made (or continue) in
respect of such Deferral Commitment on the basis otherwise elected by the Participant and without adjustment due to such Termination of Employment. This section shall not apply to the Post-2004 Account of any Insurance Sales Professional, which
shall be governed by the provisions of Section 4.1(e). 

 ARTICLE V—BENEFICIARY DESIGNATION 
 5.1 Beneficiary Designation 
 A Participant shall have the right, at any time, to designate one (1) or more persons or an entity as Beneficiary (both primary as well as secondary) to whom benefits under this Plan shall be paid in the event of Participant’s
death prior to complete distribution of the Participant’s Account. Each Beneficiary designation shall be in writing, on a form specified by the Committee (or its representative, Corporate Compensation), and shall be filed with the Committee (or
its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) during the Participant’s lifetime, and any such election shall apply to the Participant’s entire Account balance. If a
Participant fails to designate a Beneficiary or if a Beneficiary does not survive the Participant, payment will be made to the Participant’s estate in the event of the Participant’s death. 
 5.2 Changing Beneficiary 
 A
Participant may change his/her Beneficiary at any time by completing a Beneficiary designation, again in writing on a form specified by the Committee (or its representative, Corporate Compensation). The change will take effect only after it is
received by the Committee (or its representative, Corporate Compensation (including any Plan Administrator designated by Corporate Compensation)) and determined to be in good order. Any previous Beneficiary’s interest in the Participant’s
Account under the Plan will end as of the date the request is received and determined to be in good order, even if the Participant is not living when the request is received, and any such election to change Beneficiaries shall apply to the
Participant’s entire Account balance. 
 ARTICLE VI—ACCOUNTS 
 6.1 Participant Accounts 
 An Account shall be established on behalf of each Participant under the Plan, and all Eligible Compensation amounts that such Participant elects to defer under the terms of the Plan (as well as any Insurance Sales Professional Matching
Contribution) shall be credited in such Account at the time it would have otherwise been payable to the Participant (or, in the event of any Insurance Sales Professional Matching Contribution, when the Eligible Compensation related to such Matching
Contribution would have been payable to the Participant). In respect of any Participant who had an Account to which deferred Eligible Compensation had been credited in respect of any Plan Year prior to 2005, such Account shall be bifurcated into two
sub-accounts: the Pre-2005 Account and the Post-2004 Account. 
 6.2 Earnings Indices and Investment Options for Accounts 
 A Participant’s Account will be credited with notional interest, earnings (and, where applicable, notional investment gain or loss) that
are intended to mirror the investment performance and results of the indices/notional investment options selected by the Participant on the Participation Agreement beginning with the date of deferral (or, if attributable to Insurance Sales
Professional Matching Contributions, the date such amounts are credited to the Account) until such time as payment of the entire account balance is made. The Plan Administrator may from time to time designate one or more such indices/notional
investment options as a Restricted Investment Option, by specifying the restrictions or conditions that would be applicable with respect to notional investments thereunder. 
 For Plan Year 2000, the available notional investment options under the Plan are intended to mirror the performance of four of the
investment options available to participants of the Prudential

 
Employee Savings Plan in 2000, as follows: (a) the Fixed Rate Fund; (b) the Prudential Stock Index Fund; (c) the Prudential Balanced Fund; and (d) the Prudential Jennison
Growth Fund. For Plan Years beginning on or after January 1, 2001, the available notional investment options under the Plan are intended to mirror the performance of all of the then-current investment options available to participants of the
Prudential Employee Savings Plan in such year. With respect to amounts deemed allocated to the notional Fixed Rate Fund under the Plan, such amounts will be credited with interest in the same general manner as interest would be credited to amounts
actually invested in the actual Fixed Rate Fund; with respect to amounts deemed allocated to the other notional investment options under the Plan, such amounts will be credited under the Plan as if the Participant had actually purchased units of
such separate account/mutual funds on the date of such deferral. To the extent that various actual investment options are added to, or removed from, the Prudential Employee Savings Plan, comparable changes shall be made in the available notional
investment options under this Plan, and any such changes shall be communicated to Participants as soon as administratively practicable. 
 A Participant may elect any combination of the available notional investment options; provided, however, that the Participant’s allocation of his or her account must be stated in five percent
(5%) increments. 
 6.3 Changing Indices 
 A Participant may change how the notional amounts reflected in his or her Account are deemed invested by completing an Account Reallocation Form. Such deemed investment allocations may be changed
periodically, and in no event less than once per calendar quarter. Effective with the 2002 Plan Year, allocations may be changed monthly and changes will be effective on the first day of the following month. 
 To the extent that additions to, or subtractions from, the number of indices/notional investment options are made under this Plan,
Participants will be asked to complete an Account Reallocation Form to indicate if they wish to reallocate their notional Account balances. In the event no such Form is received, no changes to the Participant’s Account will be made except that,
in the event a particular indices/notional investment option is eliminated and no Form has been completed, the notional amounts credited in such eliminated index shall be credited under the notional Fixed Account Fund as of the date of such
elimination (or as soon as administratively practicable thereafter). 
 6.4 Account Valuation and Reports 
  

	 	(a)	Periodic Account Valuation. For purposes of Account recordkeeping, periodic updates of the notional value of each Participant’s Account (and of the
aggregate unfunded liabilities of the Plan as a whole) shall be made at the direction of the Committee (in any event, no less frequently than as of the end of each calendar quarter). With respect to any distribution for a Participant’s Account
as provided for in Article IV of the Plan, the aggregate value of any such distribution shall be calculated by reference to the notional value of the Account as of the last day of the month prior to the month in which such distribution is either
anticipated to commence (including after giving effect to the provisions of Section 4.1(d)). 

  

	 	(b)	Participant Statements. Quarterly statements illustrating Participant Account balances, including any notional gains or losses in such Accounts, shall be made
available to Participants as soon as practicable after the end of each calendar year quarter, in a form and manner prescribed by the Committee. 

 ARTICLE VII—ADMINISTRATION 
 7.1 Administration of the Plan 
 The Vice President – Compensation of the Company shall be deemed to be the committee appointed to administer the Plan (the “Committee”). The Committee shall maintain such procedures and records as will enable the Committee to
determine the Participants and their Beneficiaries who are entitled to receive benefits under the Plan and the amounts thereof. Further, the Committee may elect to delegate its administrative responsibilities under the Plan (including, but not
limited to, the distribution of Participation Agreements and the monitoring of the various recordkeeping services related to Accounts under the Plan) to, among other entities, the Corporate Compensation unit of the Company’s Human Resources
function (“Corporate Compensation”). To the degree the delegation of such responsibilities is specifically referenced under the terms of the Plan, the Committee shall be deemed to have so elected to delegate such responsibilities to
Corporate Compensation. 
 7.2 General Powers of Administration 
 Subject to oversight by the Compensation Committee of the Board, the Committee shall have the exclusive right, power, and authority, in its
sole, full and absolute discretion, to interpret any and all of the provisions of the Plan, to supervise the administration and operation of the Plan, and to consider and decide conclusively any questions (whether of fact or otherwise) arising in
connection with the administration of the Plan or any claim for benefits arising under the Plan. Any decision or action of the Committee shall be conclusive and binding on all parties, including the Participants. 
 ARTICLE VIII—AMENDMENT AND TERMINATION OF PLAN 
 8.1 Amendment of the Plan 
  

	 	(a)	General. The Committee shall have the authority to adopt minor amendments to the Plan without prior approval by the Compensation Committee of the Board that:

  

	 	(i)	are necessary or advisable for purposes of complying with applicable laws and regulations; 

  

	 	(ii)	relate to administrative practices under the Plan; 

  

	 	(iii)	relate to the selection or deletion of additional notional investment options for Participants in their accounts; or 

  

	 	(iv)	have an insubstantial financial effect on the Plan. 

 The Compensation Committee of the Board shall have the authority to adopt any other amendments to the Plan not encompassed under the terms of the preceding sentence. Any such amendments must be made by
written instrument, and notice of such amendments shall be provided as soon as practicable to Participants after their adoption. 
 (b) Amendments Related to Certain Corporate Transactions. Without limiting the provisions of Section 8.1(a) above, in the event of a corporate transaction or transactions involving the sale, spin-off or other disposition of
assets or equity interests in the Employer or any Participating Subsidiary to an unaffiliated entity (“Third Party Acquirer”) and which, as a result of such transaction or transactions, it is anticipated that Participants may be
transferred to, or be employed by, the Third Party Acquirer or other entities which, as a result of such transaction, are no longer affiliated with the Employer (the “Transferred Participants”), the Company may amend the Plan to provide
for the transfer of Account liabilities rather than the distribution of Account balances to such affected Participants in accordance with the terms of Section 4.1(c) and 4.7, as follows: 
  

	 	(i)	Both the Employer (or, if relevant, the Participating Subsidiary) and the Third Party Acquirer must agree to the transfer of Account liabilities with respect to all of
the Transferred Participants transferred to, or employed by, the Third Party Acquirer or its affiliates; and 

	 	(ii)	The Third Party Acquirer must agree to establish a new plan (or modify an existing deferred compensation plan) (the “Transferee Plan”), on or prior to the
corporate transaction and the transfer of Account liabilities pertaining to the Transferred Participants that, in a form satisfactory to the Employer, provides, among other things, for: 

  

	 	(A)	the assumption by the Transferee Plan of all applicable terms (other than notional investment options) of such Transferred Participant’s Participation Agreements
with respect to any amounts deferred or credited under the Plan on or prior to the effective date of such Account transfer; 

  

	 	(B)	the provision of at least equivalent notional investment options to those offered under the Plan to Participants as of the proposed date of Account liability transfer;
and 

  

	 	(C)	the assumption of (and indemnification by) the Third Party Acquirer of the Company, Employer and all Participating Subsidiaries (including their agents, employees,
officers and other representatives) of any and all liabilities relating to such Transferred Participants’ Account liability transferred from the Plan to the Transferee Plan (including, but not limited to, assumption of the Employer’s
responsibility under Section 8.3 of the Plan through the adoption of identical language in the Transferee’s Plan effective as of the transfer of such Account liabilities). 

 8.2 Termination of the Plan 
 The Company reserves the right to terminate the Plan in any respect and at any time and may do so pursuant to a written resolution of the Compensation Committee of the Board. Notwithstanding the foregoing, no termination of the Plan shall
accelerate or otherwise change the time at which, or the form in which, amounts are distributable hereunder, unless such acceleration or other change can be effected in connection with such termination without causing all or any portion of such
amounts to be subject to the additional rate of tax imposed under Section 409A of the Code. 
 8.3 Limitations on Amendment or
Termination of the Plan 
 Notwithstanding anything else to the contrary set forth in the Plan, any amendment or termination
of the Plan may not adversely affect the rights of any Participant or Beneficiary to receive the amount of benefits earned and accrued under the Plan prior to such amendment or termination; provided, however, that 
  

	 	(a)	any amendment satisfying the terms of Section 8.1(b); 

  

	 	(b)	any alteration of the notional investment options under the Plan as set forth under Section 8.1(a), 

	 	(c)	any acceleration of payments of amounts accrued under the Plan by operation of the Plan’s terms; or 

  

	 	(d)	any decision by the Committee or the Compensation Committee to limit participation (or other features of the Plan) prospectively under the Plan

 shall not be deemed to violate this provision. 
 ARTICLE IX—MISCELLANEOUS 
 9.1 Unfunded Plan/ Participant’s Rights Unsecured
and Unfunded 
 This Plan is 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 is exempt from the provisions of Parts 2,3 and 4 of Title I of ERISA. Accordingly, no assets of the Company shall be
segregated or earmarked to represent the liability for accrued benefits under the Plan. Amounts referenced in Participant Account statements are only recordkeeping devices reflecting such liability for accrued benefits, and do not reflect any actual
amounts credited. The right of a Participant (or his or her Beneficiary) to receive a payment hereunder shall be an unsecured claim against the general assets of the Company. All payments under the Plan shall be made from the general funds of the
Company. The Company is not required to set aside money or any other property to fund its obligations under the Plan, and all amounts that may be set aside by the Company prior to the distribution of Account balances under the terms of the Plan
remain the property of the Company. 
 Notwithstanding the foregoing, nothing in this Section 9.1 shall preclude the
Company, in its sole discretion, after the Effective Date, from establishing a “rabbi trust” or other vehicle in connection with the operation of this Plan, provided that no such action shall cause the Plan to fail to be an unfunded plan
designed to provide deferred compensation benefits for a select group of management or highly-compensated employees for purposes within the meaning of Title I of ERISA. 
 9.2 Plan Is Not a Contract of Employment 
 This Plan shall not constitute a
contract of employment between the Employer and/or any Participating Subsidiary and the Participant. Nothing in this Plan shall give a Participant the right to be retained in the service of the Employer or to interfere with the right of the Employer
to discipline or discharge a Participant at any time. 
 9.3 Notice 
 Any notice required or permitted under the Plan shall be sufficient if in writing and hand delivered, sent by first class, registered or
certified mail, or by such other means as the Committee, in its sole discretion, may deem appropriate. Such notice shall be deemed as given as of the date of delivery or, if delivery is made by mail, as of the date shown on the postmark or on the
receipt for registration or certification. Mailed notice to the Committee shall be directed to the Company’s address, c/o Corporate Compensation. Mailed notice to a Participant or Beneficiary shall be directed to the individual’s last
known home or office address in Employer’s records. 
 9.4 No Guarantee of Benefits 
 Nothing contained in the Plan shall constitute a guaranty by the Employer or any other person or entity that the assets of the Company will
be sufficient to pay any benefit hereunder. 

 9.5 Non-Alienation Provision 
 No interest of any person or entity in, or right to receive a benefit or distribution under, the Plan shall be subject in any manner to sale,
transfer, assignment, pledge, attachment, garnishment, or other alienation or encumbrance of any kind; nor may such interest or right to receive a distribution be taken, either voluntarily or involuntarily for the satisfaction of the debts of, or
other obligations or claims against, such person or entity, including claims for alimony, support, separate maintenance and claims in bankruptcy proceedings. 
 9.6 Applicable Law 
 The Plan shall be construed and administered under the
laws of the State of New Jersey, except to the extent that such laws are preempted by ERISA. 
 9.7 Taxes 
 To the extent required by law, amounts accrued under the Plan shall be subject to federal and state income, federal social security and
federal or state unemployment taxes during the year the services giving rise to such amounts were performed (or, if later, when the amounts are both determinable and not subject to a substantial risk of forfeiture). The Company, the Employer or the
Participating Subsidiary (as applicable) shall withhold from any payments made pursuant to the Plan such amounts as may be required by federal, state or local law, and the Company, the Employer or the Participating Subsidiary (as applicable) further
reserves the right: (a) to limit or reduce the amounts intended to be deferred under the terms of the Plan as may be necessary or appropriate in order to ensure that any required tax withholdings can be deducted; and/or (b) to require the
Participant to pay any taxes owed on such amounts through payroll deduction. 
 9.8 Excess Payments 
 If the compensation, years of service, age, or any other relevant fact relating to any person is found to have been misstated, the Plan
benefit payable by the Company to a Participant or Beneficiary shall be the Plan benefit which would have been provided on the basis of the correct information. Any excess payments due to such misstatement, or due to any other mistake of fact or
law, shall be refunded to the Company or withheld by it from any further amounts otherwise payable under the Plan. 
 9.9 No Impact on Other
Benefits 
 Amounts deferred and accrued under the Plan shall not be included in a Participant’s compensation for
purposes calculating benefits under any other plan, program or arrangement sponsored by the Employer or Participating Subsidiary, unless such plan, program or arrangement so provides. 
 9.10 Data 
 Each Participant or Beneficiary shall furnish the Committee with
all proofs of dates of birth and death and proofs of continued existence necessary for the administration of the Plan, and the Company shall not be liable for the fulfillment of any Plan benefits in any way dependent upon such information unless and
until the same shall have been received by the Committee in a form satisfactory to it. 

 9.11 Incapacity of Recipient 
 If a Participant or other Beneficiary entitled to a distribution under the Plan is living under guardianship or conservatorship,
distributions payable under the terms of the Plan to such Participant or Beneficiary shall be paid to his or her appointed guardian or conservator and such payment shall be a complete discharge of any liability of the Company, the Employer and the
Participating Subsidiary (as the case may be) under the Plan. 
 9.12 Usage of Terms and Headings 
 Words in the masculine gender shall include the feminine and the singular shall include the plural, and vice versa, unless qualified by the
context. Any headings are included for ease of reference only, and are not to be construed to alter the terms of the Plan. 

 Exhibit A — Certain Employee Transfers 
 Transfer of Employees from the Company to Jennison Associates During Plan Year 2000 
 With respect to any Employee that (a) was transferred from the Company to Jennison Associates (a subsidiary of the Company that is not
a Participating Subsidiary) in Plan Year 2000 pursuant to the transfer of the Company’s public equity management unit to Jennison Associates and (b) that would otherwise have been treated as an “Eligible Employee” as defined
under the Plan but for such transfer, such Employees shall continue to be eligible to submit a Participation Agreement to defer Eligible Compensation (as generally defined in Section 3.2(a) of the Plan) that would otherwise be payable to such
Employees in Plan Year 2001 pursuant to the terms of the Plan. Once such deferrals are made, such affected Employees will be treated as Employees who have transferred employment from the Company to a subsidiary or affiliate of the Company that is
not a Participating Subsidiary, and the general provisions of the Plan will continue to be in full force and effect.

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