Document:

Profit Sharing Plan

 Exhibit 4(b) 
  

			
	 	 	 DuPont Powder Coatings
 USA,
Inc.
 Profit Sharing Plan

		
	 DuPont Powder Coatings USA, Inc.
  
	 	 Summary Plan Description
 (Incorporating Amendments 1 – 4)
  
 For
Employees of
 DuPont Powder Coatings USA, Inc.
 and
Other Participating Companies
  
 NOVEMBER 1, 2005

 DuPont Powder Coatings USA, Inc. Profit Sharing Plan 
  
 PLAN HIGHLIGHTS 
  
 Saving for your future is a challenge, but with the DuPont Powder Coatings USA, Inc. Profit Sharing Plan saving can be both convenient and
profitable. The Plan offers you these advantages: 
  

	 	•	 	You choose how much to save, from 1% to 15% of your eligible pay through convenient payroll deduction. 

  

	 	•	 	You are eligible to receive Company Match and Co. Profit Sharing contributions and forfeiture account allocations. 

  

	 	•	 	You will also be eligible to receive Compliance contributions. 

  

	 	•	 	You may save on taxes since contributions and earnings are not subject to current federal and, in most cases, state income taxes. 

  
 The Plan offers you flexibility: 
  

	 	•	 	You choose how to invest your Account among the investment funds offered. 

  

	 	•	 	You may borrow or withdraw from your Account (subject to certain conditions and terms). 

  

	 	•	 	You have easy access to Account information by telephone. 

  
 The Plan is a Company sponsored profit-sharing 401(k) plan designed to help you accumulate savings for retirement and achieve your future financial goals. It is one of
the few ways you can set aside savings for the future without having to pay current federal and, in most cases, state income taxes on the money you are saving and the earnings from the investments in your Account. 
  
 (Refer to pages 29 and 30 of this 
 Summary Plan Description for complete instructions at a glance.) 
  

 TABLE OF CONTENTS 
  

			
	 INTRODUCTION
	  	4
		
	 ELIGIBILITY
	  	4
	 Who Is Eligible?
	  	4
	 When Does Participation Begin?
	  	4
		
	 YOUR ACCOUNTS
	  	5
		
	 YOUR CONTRIBUTIONS
	  	5
	 401(k) Deferral Contributions
	  	6
	 Changing, Discontinuing Or Resuming Your Contributions
	  	6
	 Rollover Contributions From Another Qualified Plan
	  	6
		
	 COMPANY CONTRIBUTIONS
	  	7
	 Company Match Contributions
	  	7
	 Allocation Of Forfeiture Account Amounts
	  	8
	 Compliance Contributions
	  	9
		
	 ANNUAL CONTRIBUTION AND COMPENSATION MAXIMUMS
	  	10
		
	 INVESTMENT FUNDS, INVESTMENT DIRECTION AND FUND TRANSFERS
	  	11
	 Who Makes The Investment Decisions?
	  	11
	 Section 404(c) Information
	  	12
	 How May I Obtain Investment Fund Performance Information?
	  	13
	 How May I Change My Investment Direction And When Does My New Investment Direction Take Effect?
	  	13
	 How Do I Transfer My Funds?
	  	13
		
	 VESTING
	  	13
		
	 PARTICIPANT LOANS
	  	15
	 May I Borrow From My Account?
	  	15
	 How Much May I Borrow?
	  	15
	 What Is The Loan Interest Rate?
	  	15
	 What Is The Loan Repayment Term?
	  	16
	 How Do I Make Loan Payments And How Are The Payments Invested?
	  	16
	 What Happens If My Employment Terminates?
	  	16
	 How Is My Loan Secured?
	  	16
	 Can Loan Payments Be Suspended?
	  	16
	 When Is My Loan In Default?
	  	16
	 Are There Any Loan Fees?
	  	17
	 What Happens When I Request A Loan?
	  	17
		
	 WITHDRAWALS WHILE YOU ARE AN EMPLOYEE
	  	17

  

			
	 Under What Circumstances May I Make A Withdrawal From The Plan While I Am An Employee?
	  	17
	 What Are My In-Service Withdrawal Payment Options?
	  	19
	 What Are My In-Service Withdrawal Methods?
	  	19
	 What Happens When I Request An In-Service Withdrawal?
	  	19
	 What Are The Taxes And Penalties For In-Service Withdrawals?
	  	19
		
	 DISTRIBUTIONS AFTER YOUR EMPLOYMENT WITH THE COMPANY TERMINATES
	  	20
	 What Are My Distribution Payment Options?
	  	20
	 What Are My Distribution Methods?
	  	20
	 When Are Distributions Made?
	  	20
	 What Happens When I Request A Distribution?
	  	21
	 What Are The Tax Treatments, Taxes And Penalties For Distributions?
	  	21
		
	 DEATH BENEFITS
	  	22
	 What Happens To My Plan Benefit If I Die?
	  	22
	 How May I Designate My Beneficiary?
	  	22
		
	 REEMPLOYMENT WITH THE COMPANY
	  	23
	 When Can I Resume My Participation?
	  	23
	 Do I Get Credit For My Prior Service And Are Forfeited Amounts Restored?
	  	23
		
	 FUTURE OF THE PLAN
	  	23
		
	 PLAN ADMINISTRATION ISSUES
	  	24
	 Account Statements And Account Information
	  	24
	 Plan Administrator
	  	24
	 Hours Of Service
	  	24
	 Agent For Service Of Legal Process
	  	25
	 Type Of Plan
	  	25
	 Top Heavy Contribution Provisions
	  	25
		
	 OTHER THINGS YOU SHOULD KNOW
	  	25
	 Trust Fund
	  	25
	 Compliance With USERRA
	  	25
	 Plan Fees And Expenses
	  	26
	 Claim Review Procedures
	  	26
	 No Assignment Of Your Account Is Permitted
	  	26
	 No Employment Rights
	  	27
	 Your Rights Under Federal Law
	  	28
		
	 PLAN DIRECTORY
	  	1
		
	 INSTRUCTIONS-AT-A-GLANCE
	  	2

  

 INTRODUCTION 
  
 The DuPont Powder Coatings USA, Inc. Profit Sharing Plan (the “Plan”), previously known as O’Brien Powder Products, Inc., is governed by the official text
of the Plan and Trust Agreement. The purpose of this Summary Plan Description is to provide a simplified description of how the Plan works. If the meaning of the Plan and Trust Agreement differs from that of the Summary Plan Description in any way,
the official text of the Plan and Trust Agreement will govern in administering the Plan. 
  
 References to “Company” generally mean DuPont Powder Coatings USA, Inc., and, if applicable, any of its affiliated companies that participate in the Plan as the context requires. Except that with regard to
issues related to service credit, termination of employment or reemployment, references to “Company” shall also include any affiliated companies not participating in the Plan. With regard to primarily administrative matters, however,
references to “Company” mean DuPont Powder Coatings USA, Inc., the Plan Sponsor and Plan Administrator. 
  
 ELIGIBILITY 
  
 Who Is Eligible? 
  
 All employees of the Company are eligible except any employee: 
  

	 	•	 	who is covered by a collective bargaining agreement which does not specifically call for his or her participation in this Plan, or 

  

	 	•	 	whose services are leased from another company. 

  
 An individual who was an independent contractor and who is reclassified as an employee of the Company may be eligible to participate in the Plan as of the actual date
(not the effective date) of his reclassification. 
  
 When Does
Participation Begin? 
  
 For purposes of 401(k) Deferral contributions,
if you are an eligible employee, your participation will begin on the first day of the next payroll period after your date of hire. 
  
 For purposes of Company Match and Co. Profit Sharing contributions, if you are an eligible employee, your participation will begin on the first day of the next payroll
period after completion of a 12-month eligibility period in which you are credited with at least 1,000 hours of service during that period. Your initial eligibility period begins on your date of hire. Subsequent eligibility periods begin with the
start of the next Plan Year beginning after your date of hire. 
  

 To enroll, refer to Section entitled Instructions At A Glance. 
  
 YOUR ACCOUNTS 
  
 A series of separate recordkeeping accounts will be established and maintained under the Plan to record and track contributions of various
types made by you or on your behalf, as well as earnings on such amounts and any withdrawals or distributions of such amounts. If you were formerly a participant in The O’Brien Plan, your Account may include amounts transferred on your behalf
from The O’Brien Plan. The specific accounts that may be established on your behalf under the Plan are as follows: 
  

	 	•	 	a 401(k) Deferral Account to hold amounts attributable to your 401(k) Deferral contributions and amounts transferred from The O’Brien Plan designated as “401(k)
Deferral Account” amounts under that plan, 

  

	 	•	 	an Employee Account to hold amounts transferred from The O’Brien Plan designated as “Employee Account” amounts under that plan, 

  

	 	•	 	a Rollover Account to hold amounts attributable to your Rollover contributions and amounts transferred from The O’Brien Plan designated as “Rollover Account”
amounts under that plan, 

  

	 	•	 	a Company Match Account to hold amounts attributable to Company Match contributions made on your behalf, 

  

	 	•	 	a Company Match (Pre-7/5/96) Account to hold amounts transferred from The O’Brien Plan designated as “Company Match Account” amounts under that plan,

  

	 	•	 	a Co. Profit Sharing Account to hold amounts attributable to Co. Profit Sharing contributions and forfeiture account allocations made on your behalf,

  

	 	•	 	a Co. Profit Sharing (Pre-7/5/96) Account to hold amounts transferred from The O’Brien Plan designated as “Company Account” amounts under that plan, and

  

	 	•	 	a Compliance Account to hold amounts attributable to Compliance contributions made on your behalf. 

  
 References to “Account” generally mean your various accounts in the aggregate. 
  
 YOUR CONTRIBUTIONS 
  
 You may elect to contribute regularly through payroll deductions once you are eligible to participate. Your contributions are based on your
eligible pay. Eligible pay for this 
purpose is, in general, cash compensation paid to you by the Company. Your eligible pay includes pre-tax contributions you make to this Plan and, if
applicable, cafeteria plans sponsored by the Company. 
  
 To elect to contribute,
refer to Section entitled Instructions At A Glance. 
  
 401(k)
Deferral Contributions 
  
 You may choose to save pre-tax dollars by
electing to contribute from 1% to 15% of your eligible pay, subject to an annual contribution maximum. Refer to item (a) of Section entitled Annual Contribution and Compensation Maximums. If you are a highly compensated employee, as
defined by the Internal Revenue Code and related regulations, you may be limited to a percentage that is less than 15%. Refer to item (b) of Section entitled Annual Contribution and Compensation Maximums. If you are limited to a
percentage that is less than 15%, you will be notified. 
  
 Your 401(k) Deferral
contributions are deposited into your 401(k) Deferral Account. 
  
 Changing,
Discontinuing Or Resuming Your Contributions 
  
 You may change your
contribution percentage election as of any January 1, April 1, July 1 or October 1. Your payroll deductions will change the first time you are paid after your request has been processed. 
  
 You may discontinue your contributions at any time. Your payroll deductions will stop the
first time you are paid after your request has been processed. You may resume your contributions as of any January 1, April 1, July 1 or October 1. Your payroll deductions will resume the first time you are paid after
your request has been processed. 
  
 To change your contribution percentage
election or to discontinue or resume your contributions, refer to Section entitled Instructions At A Glance. 
  
 Rollover Contributions From Another Qualified Plan 
  
 If you receive a distribution eligible for rollover from another employer’s qualified plan (or a qualified plan of the Company), a 403(b) annuity contract, a
governmental or tax exempt organization 457(b) plan, or if you have a “rollover IRA,” you may “roll over” all or part of that amount into this Plan if you are an eligible employee, even if you have not yet met the Plan’s
eligibility requirements. By making a Rollover contribution, you defer the tax liability on your distribution and take advantage of the investments offered in this Plan. 
  
 Your Rollover contributions are deposited into your Rollover Account. 
  
 To make a Rollover contribution, refer to Section entitled Instructions At A Glance. 
  

 Catch Up Contributions 
  
 If you are 50 or older in 2005, you may be eligible for catch-up contributions to the Plan if you have already contributed the maximum
amount allowed under the Plan or IRS limitations. The catch-up provisions allow you to contribute additional pre-tax dollars to potentially increase your retirement savings. Your maximum annual contributions are limited to the amounts listed below,
and catch-up contributions are not eligible to receive the Company matching contribution. 
  

							
	 Year

	  	Maximum IRS limit on
pre-tax contributions
for all employees

	  	Catch-up contribution
limits for participants
age 50 or older

	 2005
	  	$	14,000	  	$	4,000
	 2006
	  	$	15,000	  	$	5,000

  
 COMPANY CONTRIBUTIONS

  
 Company Match Contributions 
  
 The Company will make a contribution and allocate forfeiture account amounts, if any,
following the end of the Plan Year. The Company’s contribution consists of two components – a contribution based on your 401(k) Deferral contributions (referred to as “Company Match” contributions) and a contribution based on
your eligible pay (referred to as “Co. Profit Sharing” contributions). 
  
 You share in Company Match contributions only if you contributed during the Plan Year and are an employee at the end of the Plan Year or if you ceased being an employee during the Plan Year after having attained age 65 or by reason of your
disability or death. You share in Co. Profit Sharing contributions only if you are an eligible employee at any time during the Plan year and are an employee at the end of the Plan Year (or if you ceased being an employee during the Plan Year after
having attained age 65 or by reason of your disability or death). 
  
 The amount,
funding order and manner of allocation of the Company’s contribution will be as described below. Eligible pay for this purpose is, in general, cash compensation paid to you by the Company. Your eligible pay includes pre-tax contributions you
make to this Plan and, if applicable, cafeteria plans sponsored by the Company. 
  

 Amount: the sum of the total of the Company’s Company Match contributions and Co.
Profit Sharing contributions for the Plan Year will be the greater of: 
  

	 	1.	10% of the Company’s “net profits”1 for the Plan, or 

  

	 	2.	an amount equal to 3% of the eligible pay of each eligible participant plus 100% of each eligible participant’s 401(k) Deferral contributions, up to 3% of the
participant’s eligible pay. 

  
 Funding
Order and Manner of Allocation: The Company’s contribution will be allocated in the following order: 
  
 First, Co. Profit Sharing contributions in an amount equal to 3% of your eligible pay and 3% of the eligible pay for each other eligible
participant, then; 
  
 Second, Company Match
contributions in an amount equal to 100% of your 401(k) Deferral contributions (up to 3% of your eligible pay) and 100% of the 401(k) Deferral contributions made by each other eligible participant (up to 3% of the participant’s eligible pay),
then 
  
 Third, if the sum of Co. Profit Sharing
contributions and Company Match contributions allocated in the first and second steps described above is less than the total of the Company’s contribution, the remaining amount will be allocated as Co. Profit Sharing contributions among
eligible participants based on each participant’s “points” to the total “points” of all eligible participants. For this purpose, you are credited with one “point” for each full $100 of your eligible pay and one
“point” for each of your years of service (as defined in Section entitled Vesting). 
  
 Company Match contributions made on your behalf are deposited into your Company Match Account and Co. Profit Sharing contributions made on your behalf are deposited into your Co. Profit Sharing Account. 
  
 Forfeiture Account Amounts 
  
 Following the end of each Plan Year, the Company shall determine the amount, if any, of
forfeiture account amounts to be utilized to restore Accounts, to pay Plan expenses, or to reduce Company contributions. 

	1	“Net profits” for this purpose is the Company’s net income or profits for a Plan Year determined in accordance with sound accounting practices and
without any deduction for any federal or state taxes on income or for contributions made by the Company to this Plan. If the Company sustains a net loss in a Plan Year (after taking into account the charges, write-offs and deductions described in
the preceding sentence) one-half of the amount of the net loss will be deducted from the “net profits” of the succeeding Plan Year for purposes of determining the amount of “net profits” to which the 10% will apply.

  

 Compliance Contributions 
  
 The Company will make Compliance contributions. Compliance contributions are deposited to your Account following the end of the Plan Year
for which the contribution is made. 
  
 Compliance contributions are equal to 3%
of your eligible pay. Eligible pay for this purpose is, in general, cash compensation paid to you by the Company. Your eligible pay includes pre-tax contributions you make to this Plan and, if applicable, cafeteria plans sponsored by the Company.

  
 You share in Compliance contributions if you are an eligible employee at any
time during the period. 
  
 Compliance contributions made on your behalf are
deposited into your Compliance Account. 
  
 Contributions Following Periods
of Military Service 
  
 If you return to employment with the Company
following a period of “qualified military service,” as defined by the Internal Revenue Code, you may elect to make additional 401(k) Deferral contributions to the Plan to compensate for the time that you could not participate in the Plan
while in the military. Generally, you may make these contributions to the Plan over a period that is not greater than the lesser of 3 times the period of qualified military service or 5 years. The amount of these additional 401(k) Deferral
contributions cannot exceed the amount that you could have made if you had continued to be employed by the Company during your qualified military service. The Company will contribute Company Match contributions to the Plan on your behalf based upon
the additional 401(k) Deferral contributions as though these contributions had they been made during your qualified military service. 
  
 You will also be credited with any Co. Profit Sharing Contributions and/or Compliance Contributions if you would have received such contributions during your qualified
military service. 
  
 For purposes of determining the contributions to the Plan
following your qualified military service, “compensation” is deemed to equal the amount of compensation that 
you would have received from the Company during such period, based upon the rate of pay you would have received from the Company but for the military
service. If such rate of pay is not reasonably certain, “compensation” is your average compensation from the Company during the 12-month period immediately before your qualified military service or, if your employment with the Company was
less than 12 months, the period of employment immediately before the qualified military service. 
  
 ANNUAL CONTRIBUTION AND COMPENSATION MAXIMUMS 
  
 The Internal Revenue Code and related regulations require that a number of limitations be applied to the Plan. These include (1) maximum amounts that may be contributed by you or on your behalf in any year and (2) a maximum amount
of your eligible pay that may be taken into account for purposes of contributions. These limitations are briefly described below: 
  

	(a)	Maximum 401(k) Deferral Contribution Dollar Limit. 

  
 Your maximum pre-tax contribution dollar limit (including any pre-tax contributions you may make to any other 401(k) plan) is established each calendar
year. This limit may be adjusted annually as announced by the Internal Revenue Service ($14,000 for 2005). 
  
 If you make pre-tax contributions to more than one 401(k) plan during the calendar year and the combination of your pre-tax contributions to the plans
exceeds the maximum pre-tax contribution dollar limit, you should notify the Plan Administrator of this Plan or the plan administrator of the other plan that an excess has occurred and request that the excess amount be returned to you no later than
April 15 of the following year. If the excess amount is not returned to you by April 15 of the following year, the excess amount will be taxable to you in the year the amount was contributed and the year the amount is distributed.

  

	(b)	Maximum Allowable Contribution Percentage Limit. 

  
 If you are a highly compensated employee, your maximum Pre-Tax contribution percentage may be limited to a percentage that is less than the percentage
described in Section entitled Your Contributions, as determined by a factor based on the average Pre-Tax contribution percentage for non-highly compensated employees. Highly compensated employees generally include employees who earned more
than a specified amount in the preceding Plan Year. This amount may be adjusted annually as announced by the Internal Revenue Service. Highly compensated employees for the Plan Year generally include employees who earned more than a certain dollar
amount in the preceding Plan Year ($95,000 for 2005). 
  

 If you are a highly compensated employee and you exceed this limit at any time, you will be notified
and your future contributions may be reduced or stopped, and any excess may be refunded to you. 
  

	(c)	Maximum Annual Addition Limit. 

  
 The maximum amount that may be contributed annually by you (excluding rollover contributions) or on your behalf to this Plan or any other qualified
defined contribution plan sponsored by the Company is the lesser of (1) 100% of your compensation (in general, this will be gross compensation for most participants) or (2) $42,000. The $42,000 amount may be adjusted annually as announced
by the Internal Revenue Service. 
  

	(d)	Maximum Eligible Pay Limit. 

  
 The maximum amount of your eligible pay that may be taken into account per Plan Year for purposes of contributions is established each year. This amount
may be adjusted annually as announced by the Internal Revenue Service ($210,000 for 2005). 
  
 INVESTMENT FUNDS, INVESTMENT DIRECTION AND FUND TRANSFERS 
  
 Who Makes The Investment Decisions? 
  
 You make your own investment decisions, except with regard to your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts as described below. The Company has selected a variety of daily
valued investment funds with different risk and return characteristics. Investment fund information sheets and prospectuses provide information about the investment options. 
  
 Each of the investment funds has specific investment objectives for both risk and expected return. The specific investment funds available
to you may be changed from time to time. 
  
 When you enroll in the Plan you may
elect the percentage of your Account you want invested in each investment fund. 
  
 You should make your investment choices based on your investment goals and your willingness to assume investment risk in order to realize potentially higher returns. Investment risk is defined as a measure of how much the investment returns
can vary from period to period. 
  
 Your investment direction does not apply to
your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts which are invested in the S&P Stock Fund, except that upon attaining age 50, you may direct the investment of the balances in these
Accounts. Future amounts allocated to these 
  

 Accounts will continue to be invested in the S&P 500 Stock Fund until otherwise directed by you. 
  
 Section 404(c) Information 
  
 The Plan is intended to constitute a plan described in Section 404(c) of the Employee
Retirement Income Security Act of 1974 (“ERISA”) and Title 29 of the Code of Federal Regulations Section 2550.404c-1. The fiduciaries of the Plan may be relieved of liability for any losses that are the direct and necessary result of
your investment direction related to the Plan’s investment funds. 
  
 With
regard to the investment funds offered under the Plan, the Plan Trustee can provide you with investment information including the following: 
  

	 	•	 	A description of the investment fund’s annual operating expenses that reduce investment returns of the investment fund and the aggregate amount of these expenses expressed as a
percentage of average net assets of the investment fund. 

  

	 	•	 	Copies of prospectuses, financial statements and reports and of any other materials relating to the investment fund, to the extent these materials are provided to the Plan.

  

	 	•	 	A list of the assets comprising the portfolio of the investment fund, the value of each such asset (or the proportion of the investment fund that it comprises) and, with respect to
each such asset that is a fixed rate investment contract issued by a bank, savings and loan association or insurance company, the name of the issuer of the contract, the term of the contract and the rate of return on the contract.

  

	 	•	 	Information concerning the value of shares of the investment fund, as well as the past and current investment performance of the investment fund determined net of expenses on a
reasonable and consistent basis. 

  

	 	•	 	Information concerning the value of shares of the investment fund held in your Account. 

  
 You may obtain this information by telephoning 1-800-228-4015 and speaking with a participant services representative (or if you are hearing
impaired, telephone 1-800-637-1215). 
  
 If the investment funds offered under the
Plan include mutual funds, the Plan provides that the Plan Administrator is entitled to vote proxies or exercise any shareholder rights related to shares held of the mutual fund. 
  

 How May I Obtain Investment Fund Performance Information? 
  
 You may obtain recent investment fund performance information by telephoning 1-800-228-4015
(or if you are hearing impaired, telephone 1-800-637-1215). 
  
 How May I
Change My Investment Direction And When Does My New Investment Direction Take Effect? 
  
 You may change your investment direction for future contributions and loan payments to your Account at any time, expect with regard to your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit
Sharing (Pre-7/5/96) Accounts as described above. You may make unlimited investment changes each year. Only one investment direction will be allowed each day. 
  

If you telephone on a business day before the close of the New York Stock Exchange (3 p.m. Central time), your investment direction will be effective the next business
day. Otherwise it will be processed the following business day and will be effective the second business day. For this purpose, a business day is a day on which the stock markets are open for trading. A written confirmation of your investment
direction change will be sent within 48 hours of processing the transaction. 
  
 To change your investment direction, refer to Section entitled Instructions At A Glance. 
  
 How Do I Transfer My Funds? 
  
 You
may elect to transfer funds, except with regards to your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts as described above, by telephoning 1-800-228-4015 (or if you are hearing impaired,
telephone 1-800-637-1215). Transfers out may be requested in terms of dollars, shares, or percentages. Dollar and percent transfers are based on the previous night’s closing Net Asset Value and will be converted into a specific number of shares
to be sold. Transfers in are always in percentages (in 1% increments) and must total to 100%. Only one fund transfer per fund per day may be requested. 
  
 In order for a fund transfer to be executed on the same business day as the telephone call, it must be completed by (3 p.m. Central time). 
  
 To initiate a fund transfer, refer to Section entitled Instructions At A Glance. 

  
 VESTING 
  
 Vesting is a term used to describe the portion of your Account that you own. Your balance in each of these Accounts is fully vested at all
times: 
  

	 	•	 	401(k) Deferral Account 

  

	 	•	 	Employee Account 

  

	 	•	 	Rollover Account 

	 	•	 	Company Match (Pre-7/5/96) Account 

  

	 	•	 	Co. Profit Sharing (Pre-7/5/96) Account 

  

	 	•	 	Compliance Account 

  
 Your Company Match and Co. Profit Sharing Accounts become fully vested if you are employed by the Company on or after age 65, if you terminate employment with the Company due to your disability or if you die while an
employee. 
  
 Otherwise, your Company Match and Co. Profit Sharing Accounts become
vested based upon your completed years of service as follows: 
  
 Vesting
Schedule effective August 1, 1999: 
  

				
	 Years of Service

	  	Vested Percentage

	 
	 Less than 1
	  	0	%
	 1 but less than 2
	  	20	%
	 2 but less than 3
	  	40	%
	 3 but less than 4
	  	60	%
	 4 but less than 5
	  	80	%
	 5 or More
	  	100	%

  
 Vesting Schedule effective prior
to July 30, 1999: 
  

				
	 Years of Service

	  	Vested Percentage

	 
	 Less than 3
	  	0	%
	 3 but less than 4
	  	20	%
	 4 but less than 5
	  	40	%
	 5 but less than 6
	  	60	%
	 6 but less than 7
	  	80	%
	 7 or More
	  	100	%

  
 Following termination of your
employment with the Company, any part of your Account which is not vested is held in your Account pending forfeiture upon a complete distribution of your vested Account balance2 (subject to restoration as
described in Section entitled Reemployment With The Company) or a break in service. You will incur a break in service on the fifth anniversary of the date your employment with the Company terminated, unless you have been reemployed by the
Company prior to that date. Forfeited amounts may be used to restore Accounts for employees who are rehired, to pay Plan fees and expenses or may increase Co. Profit Sharing contributions. 

	2	Your vested Account balance will be deemed distributed for this purpose if your vested Account balance is zero. 

  

 A year of service for this purpose is the completion of 12 months of service measured from your hire date and each
anniversary of your hire date. However, if you are absent from work for any period of less than 12 months, you also receive credit for the period of absence.3 
  
 PARTICIPANT LOANS 
  
 May I Borrow From My Account? 
  
 You may borrow from all of your Accounts in which you are fully vested. You may have up to three (3) loans outstanding at a time. 
  
 How Much May I Borrow? 
  
 The minimum loan amount is $1,000. 
  
 The maximum you may borrow is 50% of your vested Account balance or, if less, $50,000. The
$50,000 amount is reduced by your highest outstanding balance on all loans during the preceding 12 months. For purposes of this paragraph, all of the Company’s qualified plans are considered as part of this Plan to the extent the maximum loan
amount would be decreased. 
  
 You may obtain information about the amount you may
borrow or do “modeling” to help you decide on the terms of the loan by telephoning 1-800-228-4015 (or if you are hearing impaired, telephone 1-800-637-1215). 
  
 What Is The Loan Interest Rate? 
  
 The interest rate is fixed at the time you borrow and shall be a reasonable rate of interest, determined by the Plan Administrator, which provides a return commensurate
with the prevailing interest rate charged by persons in the business of lending money for loans which would be made under similar circumstances. 
  
 The interest rate may be changed from time to time. You may obtain information about the current interest rate by telephoning 1-800-228-4015 (or if you are hearing
impaired, telephone 1-800-637-1215). 

	3	Your service prior to July 5, 1996, with The O’Brien corporation or an affiliate thereof (or any other entity for which you received service credit
under The O’Brien Plan) will be included in the determination of your service for vesting. 

  

 What Is The Loan Repayment Term? 
  
 The loan repayment term may be for a period not to exceed five years. 
  
 How Do I Make Loan Payments And How Are The Payments Invested? 
  
 Loan payments, consisting of principal and interest, are made through convenient payroll deduction (or by check during any period you are
ineligible for payroll deduction), and each payment is credited to your Account. You may pay off the remaining balance of your loan at any time by cashier’s check or certified Bank Check. You may obtain your loan payoff amount by telephoning
1-800-228-4015 (or if you are hearing impaired, telephone 1-800-637-1215). 
  
 Loan payments credited to your Account, other than to your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts, are invested in accordance with your current investment direction for
future contributions to your Account at the time the loan payment is deposited into your Account. Loan payments credited to your Company Match, Company Match (Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts are invested
in the S&P 500 Stock Fund. 
  
 What Happens If My Employment Terminates?

  
 Your outstanding loan balance is due should your employment with the
Company terminate for any reason. If you do not take action to pay your outstanding loan balance at that time, the unpaid balance will become a taxable distribution to you, except to the extent any portion of the unpaid balance represents a return
of after-tax contributions. 
  
 How Is My Loan Secured? 

 
 Your loan will be evidenced by a promissory note, secured by the portion of your Account
from which the loan is made. The Plan shall have a lien on this portion of your Account. 
  
 Can Loan Payments Be Suspended? 
  
 A suspension of loan payments may be authorized for up to 3 months if you are on leave of absence without pay. During the suspension period interest on your outstanding loan balance will continue to accrue. All past due amounts will be due
at the end of the suspension period unless otherwise authorized. 
  
 When Is
My Loan In Default? 
  
 A loan is treated as in default if a scheduled
loan payment is not made at the time required. You will have a grace period to cure the default before it becomes final. In the 
event the default becomes final, the default will be treated as a taxable distribution to you, except to the extent any portion of the unpaid balance
represents a return of after-tax contributions. However, your promissory note will not be distributed and interest will continue to accrue on your outstanding loan balance, until such time as you are otherwise eligible for an in-service withdrawal
or a distribution from your Account. 
  
 Are There Any Loan Fees?

  
 If you took a loan prior to April 9, 1999, a loan maintenance
fee of $3.50 will be assessed to your Account for each month your Account has a loan balance. The fee will be charged quarterly to your Account. New loans made after April 9, 1999 will not incur any monthly charges, only a one-time, $40 set-up
fee. You will see these fees on your quarterly statement. 
  
 What Happens
When I Request A Loan? 
  
 Upon processing of your request, your
investments will be redeemed as needed to fund your loan. Within each Account used for funding your loan, amounts will be redeemed from your investment funds in direct proportion to the value of your interest in each investment fund as of the date
the loan is processed. As the Plan’s investment funds are daily valued investment funds, your investments are redeemed based on the value of each such investment on the day your loan is processed. Your check and loan documents are generally
issued within ten business days thereafter. 
  
 To request a loan, refer to
Section entitled Instructions At A Glance. 
  
 WITHDRAWALS WHILE YOU ARE
AN EMPLOYEE 
  
 Under What Circumstances May I Make A Withdrawal From
The Plan While I Am An Employee? 
  
 Withdrawals while you are an
employee are permitted as described below. These withdrawals are referred to as in-service withdrawals. 
  

	 	•	 	Hardship Withdrawal 

  
 You may make an in-service withdrawal in certain cases of financial hardship. You may withdraw from all of your Accounts in which you are fully vested,
except for any amounts in your 401(k) Deferral Account attributable to earnings credited after the start of the first Plan Year beginning after December 31, 1988. 
  
 The amount you may withdraw may be no greater than the amount necessary to satisfy your financial need including amounts
necessary to pay any federal, state or local income taxes or penalties reasonably anticipated to result from the withdrawal. 
  

 For this purpose, financial hardship is a financial need to: 
  

	 	•	 	Purchase your principal residence. 

  

	 	•	 	Pay unreimbursable medical expenses incurred or to be incurred by you, your spouse or dependents. 

  

	 	•	 	Pay unreimbursable tuition, related educational fees and room and board for up to the next 12 months of post-secondary education for you, your spouse or dependents.

  

	 	•	 	Pay amounts necessary to prevent losing your principal residence through eviction or foreclosure on your mortgage. 

  
 You may qualify for a Hardship Withdrawal by first borrowing and withdrawing
all other available amounts from this Plan (and from any other plan maintained by the Company), other than hardship withdrawals. You will be ineligible to contribute to the Plan (and all other qualified and nonqualified plans of deferred
compensation or stock option or stock purchase plans maintained by the Company) for 12 months from the date of your Hardship Withdrawal. A special limitation may reduce the maximum amount of 401(k) Deferral contributions you may contribute in the
calendar year following the calendar year of your Hardship Withdrawal. 
  
 You may make a Hardship Withdrawal at any time. 
  

	 	•	 	Employee Account Withdrawal 

  
 You may make an Employee Account Withdrawal once in any three-month period. 
  

	 	•	 	Rollover Account Withdrawal 

  
 You may make a Rollover Account Withdrawal once in any three-month period. 
  

	 	•	 	Over Age 59 Withdrawal 

  
 Once you have attained age 59 1/2, you may make an Over Age 59 1/2 Withdrawal once in any three-month period.

  

 You may withdraw from all of your Accounts in which you are fully vested. If you have an Employee
Account, you may designate whether you want to withdraw from this Account first as part of your Over Age 59 1/2
Withdrawal. 
  
 What Are My In-Service Withdrawal Payment Options?

  
 Your in-service withdrawal will be paid in a single lump sum, in
cash. The minimum amount for any type of in-service withdrawal is $1,000. 
  
 What Are My In-Service Withdrawal Methods? 
  
 You may
choose to have all or a portion of your in-service withdrawal that is eligible for rollover be made payable directly to an IRA, another employer’s qualified plan or to you. The portion of your in-service withdrawal representing a return of
after-tax contributions and the portion of your Hardship Withdrawal representing employee pre-tax contributions are not eligible for rollover and will be made payable to you. Regarding the portion of your in-service withdrawal that is eligible for
rollover and that is made payable to you, the law requires that 20% of that amount be withheld for federal taxes. Your actual tax liability may be more or less depending on your personal tax situation. 
  
 What Happens When I Request An In-Service Withdrawal? 
  
 An IRS Tax Notice is required to be provided to you no more than 90 days before your
in-service withdrawal is made. The IRS Tax Notice summarizes the rules related to rollovers, income tax and penalties that may apply to your in-service withdrawal. You should review the IRS Tax Notice. 
  
 Upon processing of your request, your investments will be redeemed as needed to fund your
in-service withdrawal. Within each Account used for funding your in-service withdrawal, amounts will be redeemed from your investment funds in direct proportion to the value of your interest in each investment fund as of the date the in-service
withdrawal is processed. As the Plan’s investment funds are daily valued investment funds, your investments are redeemed based on the value of each such investment on the day your in-service withdrawal is processed. Your check is generally
issued within 10 business days thereafter. 
  
 To request an in-service
withdrawal, refer to Section entitled Instructions At A Glance. 
  
 What Are The Taxes And Penalties For In-Service Withdrawals? 
  
 The IRS Tax Notice summarizes the rules related to rollovers, income tax and penalties that may apply to your in-service withdrawal. 
  

 DISTRIBUTIONS AFTER YOUR EMPLOYMENT WITH THE COMPANY TERMINATES 
  
 What Are My Distribution Payment Options? 
  
 You may choose to have your vested Account balance distributed as follows: 
  

	 	•	 	paid in a single lump sum, 

  

	 	•	 	a portion paid in a lump sum, and the remainder paid later (partial payments), 

  

	 	•	 	paid in periodic installments over a period not to exceed the life expectancy of you and your beneficiary, or 

  

	 	•	 	if you are single, used to purchase a single life annuity or if you are married, used to purchase a joint and 50% survivor annuity. 

  
 Your distribution (other than an annuity contract) will be paid in cash, except to the extent
of the distribution of your outstanding loan balance, if any. 
  
 If your
vested Account balance is $5,000 or less, it will be paid to you in a single lump sum as soon as practical following your termination of employment. 
  
 What Are My Distribution Methods? 
  
 You may choose to have all or a portion of your distribution that is eligible for rollover be made payable directly to an IRA, another employer’s qualified plan or
to you. The portion of your distribution representing a return of after-tax contributions is not eligible for rollover and will be made payable to you. 
  
 Regarding the portion of your distribution that is eligible for rollover and that is made payable to you, the law requires that 20% of that amount be withheld for federal
taxes. Your actual tax liability may be more or less depending on your personal tax situation. 
  
 If you elect distribution in periodic installments, your Account will be charged a fee for each installment payment. You will see these fees on your quarterly statement. Currently, this fee is $3.00 and may be changed
from time to time. 
  
 When Are Distributions Made? 
  
 Generally, you may choose when to take a distribution of your vested Account balance at any
time following termination of your employment with the Company. If you are no longer working for the Company the law requires that you start taking distributions from your Account on or before the April 1 immediately after the end of the
calendar year in which you reach age 70 1/2. If you continue to work for the Company when you 
attain age 70 1/2,
you will be able to defer your required distribution until the April 1 of the calendar year following the date you actually retire from the Company. 
  

If you defer distribution of your Account after your employment with the Company terminates, an administrative fee will continue to be assessed to your Account each
month and charged quarterly to your Account as described in Section entitled Other Things You Should Know. You will see these fees on your quarterly statement. The administrative fee may be changed from time to time. You may obtain
information about the current administrative fee by telephoning 1-800-228-4015 and speaking with a participant services representative (or if you are hearing impaired, telephone 1-800-637-1215). 
  
 Except to the extent otherwise described with regard to your Company Match, Company Match
(Pre-7/5/96), Co. Profit Sharing and Co. Profit Sharing (Pre-7/5/96) Accounts in Section entitled Investment Funds And Investment Instructions, your Account will continue to be invested as you direct until it is distributed to you.

  
 What Happens When I Request A Distribution? 
  
 An IRS Tax Notice is required to be provided to you no more than 90 days before your
distribution is made. The IRS Tax Notice summarizes the rules related to rollovers, income tax and penalties that may apply to your distribution. You should review the IRS Tax Notice. 
  
 You will be provided information regarding the annuity option at your request. This information is required to be provided to you no more
than 90 days before your distribution is made. 
  
 Upon processing of your
request, your investments will be redeemed as needed to fund your distribution. Within each Account used for funding your distribution, amounts will be redeemed from your investment funds in direct proportion to the value of your interest in each
investment fund as of the date the distribution is processed. As the Plan’s investment funds are daily valued investment funds, your investments are redeemed based on the value of each such investment on the day your distribution is processed.
Your check is generally issued within ten business days thereafter. 
  
 To request
a distribution, refer to Section entitled Instructions At A Glance. 
  
 What Are The Tax Treatments, Taxes And Penalties For Distributions? 
  
 The IRS Tax Notice summarizes the rules related to rollovers, tax treatments, income tax and penalties that may apply to your distribution. 
  

 DEATH BENEFITS 
  
 What Happens To My Plan Benefit If I Die? 
  
 Upon your death, your Account becomes payable to your beneficiary(ies). If you die while an employee, your Account will become fully vested, if not otherwise fully
vested. In general, your beneficiary has the same options as you do regarding when and how to receive payment, except that a distribution to your beneficiary may only be eligible for rollover if your beneficiary is your spouse. Your beneficiary
should contact the Benefits Department for further instructions. 
  
 How May
I Designate My Beneficiary? 
  
 When you become eligible to participate
in the Plan or, if earlier, at the time you make a Rollover contribution, complete and file a Beneficiary Designation Form stating who is to receive your Account balance if you die. To change your beneficiary(ies), complete and file a new
Beneficiary Designation Form. The change takes effect on the date your new completed Beneficiary Designation Form is on file with the Benefits Department. 
  
 If you are married, your spouse is automatically your sole primary beneficiary. To designate someone in addition to or other than your spouse as a primary beneficiary,
you must obtain your spouse’s written consent to your designation and your spouse’s signature must be witnessed by a Notary Public. In general, you may not designate someone in addition to or other than your spouse as a primary beneficiary
before the first day of the Plan Year in which your 35th birthday occurs or, if earlier, the date your employment with the Company terminates. You may, however, make a temporary designation earlier than the time described in the preceding sentence.
The temporary designation will become invalid as of the first day of the Plan Year in which your 35th birthday occurs and a new designation must be made at that time. 
  
 If you complete and file a Beneficiary Designation Form and later become married or remarry, your earlier Beneficiary Designation Form will
not be valid. You will need to complete and file a new Beneficiary Designation Form. 
  
 If you do not have a proper beneficiary designation in effect at the time of your death or if your beneficiary does not survive you, your benefit upon death will be paid to the individual(s) in the first of the following categories in which
there is at least one survivor: your spouse; your children, (in equal shares) by right of representation; or your estate. 
  

 REEMPLOYMENT WITH THE COMPANY 
  
 When Can I Resume My Participation? 
  

If you were a Plan participant before your employment with the Company terminated and the Company rehires you, you may resume participation on the date of your rehire
as an eligible employee. If you were not a participant when your employment with the Company terminated or were not eligible for Company Match and Co. Profit Sharing contributions and forfeiture account allocations, you will enter the Plan or become
eligible for Company Match and Co. Profit Sharing contributions and forfeiture account allocations as described in Section entitled Eligibility, but no earlier than the date you would have entered the Plan or became eligible for Company Match
and Co. Profit Sharing contributions and forfeiture account allocations if your employment with the Company had not terminated. 
  
 Do I Get Credit For My Prior Service And Are Forfeited Amounts Restored? 
  
 Credit for Prior Service: If you are rehired by the Company, all periods of employment credited to you before your employment with
the Company terminated will be included in the determination of your years of service for vesting after you are rehired. If the Company rehires you before 12 months have elapsed since your termination date, you will also receive credit for the
period of your absence. 
  
 Account Restoration: If your employment with
the Company terminates before you are fully vested and you are rehired by the Company before five consecutive years have elapsed since your termination date, the non-vested portion of your Account (which was forfeited if you received a complete
distribution of your vested Account balance)1, will be restored to your Account. If the Company rehires you after
this five year period, the forfeited amount will not be restored. 
  
 FUTURE OF
THE PLAN 
  
 The Company intends for the Plan to be a permanent part of your
total benefits program. However, the Company reserves the right to terminate the Plan at any time. If the Plan is terminated all Accounts will become fully vested, if not otherwise fully vested, and payable as determined by the Plan Administrator.

  
 The Company reserves the right to amend the Plan at any time if it becomes
desirable or necessary. You will be notified within 210 days after the end of the Plan Year of any relevant Plan amendment. The Plan (including any amendments) is subject to approval 

	4	Your vested Account balance will be deemed distributed for this purpose if your vested Account balance is zero. 

  

 by the IRS. From time to time, the IRS may require changes in the details of the Plan. However, no Plan amendment may
take away any benefits you have earned. 
  
 As the Plan benefits are provided by
fully funded individual participant Accounts, benefits under this Plan are not insured by the Pension Benefit Guaranty Corporation (PBGC). PBGC insurance does not apply to this type of plan. 
  
 PLAN ADMINISTRATION ISSUES 
  
 Account Statements And Account Information 
  
 You will receive statements four times each year. They will normally be sent to you within
four weeks after the end of each quarter of the Plan Year. 
  
 You have easy
access to information regarding your Account at any time. 
  
 To obtain
information regarding your Account, refer to Section entitled Instructions At A Glance. 
  
 Plan Administrator 
  
 The Company
is the Plan Administrator. The Company may appoint an administrative committee for the Plan and delegate to it all or part of its duties to oversee the Plan’s operations. As a Plan fiduciary, the Company acts on your behalf to see that the Plan
is administered fairly according to standards outlined in the law and the terms of the Plan and Trust Agreement. 
  
 Plan records are maintained on a Plan Year basis. The Plan Year ends on December 31. 
  
 Hours Of Service 
  
 Hours of service are used in determining your eligibility to participate. You earn one hour of service for each hour you are paid by the Company (including any back pay
you may be awarded). This includes hours when you do not actually work but receive pay (such as vacation, holiday or illness). You receive credit for non-paid Company time, such as a Company-approved leave of absence, military duty or a temporary
layoff. 
  
 by the IRS. From time to time, the IRS may require changes in the
details of the Plan. However, no Plan amendment may take away any benefits you have earned. 
  
 Service earned while you are not actively at work is based on your normally scheduled weekly hours. If you are a salaried employee, or there are no accurate records of your working hours, you will be credited with a
set number of hours for each pay period in which you are paid for at least one hour. The rates of hours credited for each pay period are: 45 hours per weekly pay period, 90 hours per bi-weekly pay period, 95 hours per semi-monthly pay period and 190
hours per monthly pay period. 
  

 Agent For Service Of Legal Process 
  
 Service of legal process may be made upon the Company or Plan Trustee at the address listed in Section entitled Plan Directory.

  
 Type Of Plan 
  
 This Plan is a profit sharing plan with a pre-tax salary deferral (401(k)) feature.

  
 Top Heavy Contribution Provisions 
  
 The Plan includes provisions that apply only if the Plan is “top heavy.” A plan is
top heavy if more than 60% of the total plan assets belong to “key employees.” Key employees include certain officers, shareholders and owners. If the plan is top heavy, contributions may not be made by or on behalf of key employees, other
than a Rollover contribution, unless the Company makes a minimum contribution to all eligible employees. A more rapid vesting schedule may also apply. 
  
 OTHER THINGS YOU SHOULD KNOW 
  
 Trust Fund 
  
 All of the Plan’s assets are held in a trust fund which is the sole source of all benefit payments. The trust fund is a separate and distinct legal entity, and is not part of the Company. The assets of the trust
fund are not commingled with Company assets. Generally, no part of the trust fund can be attached by creditors of any Plan participant or of the Company. Assets of the trust fund are held exclusively to pay Plan benefits and expenses, and cannot
revert to or be paid to the Company, except under certain limited circumstances permitted by law. 
  
 The Plan Trustee holds the Plan’s assets, executes all of the investments, maintains the financial records relating to the trust, and makes all benefit payments as directed by the Plan Administrator. 

 
 Compliance With USERRA 
  
 If you are absent from employment or terminate employment with the Company by reason of
service in the uniformed services and return to employment with the Company, you may be entitled to reemployment rights under the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA) which include service credit and
contribution rights under the Plan for your period of qualified military service. 
  
 If you are entitled to these rights, the Plan Administrator can advise you of the details. 
  

 Plan Fees And Expenses 
  
 An administrative fee will be assessed to your Account each month and charged quarterly to your Account, except that no fee may reduce your
Account balance below zero. The administrative fee may be changed from time to time. You will see these fees on your quarterly statement. You may obtain information about the current administrative fee by telephoning 1-800-228-4015 and speaking with
a participant services representative (or if you are hearing impaired, telephone 1-800-637-1215). 
  
 You will pay any special fees related to your own Account, such as loan fees and fees for installment payments. You will see these fees on your quarterly statement. 
  
 Claim Review Procedures 
  
 As the Plan Administrator, the Company is responsible for determining and informing you of
your entitlement to a benefit and of any amounts payable to you. If you disagree with a decision, you or your authorized representative may ask for a review by submitting a written request to the Benefits Department. Your request should include the
issues and comments you feel are important. You also have the right to review pertinent documents. 
  
 The review process sets the following limits on the amount of time you may take to make your request and for the Company to respond: 
  

			
	 Action

	  	Days To Respond
From Prior Action

	 Company sends you a benefit statement
	  	—  
	 You request an initial review
	  	60 days
	 Company sends you its initial decision
	  	90 days
	 You request a final review
	  	60 days
	 Company sends you its final decision
	  	60 days

  
 The Company will either approve your
claim or explain why your claim is being denied (by referring to specific Plan provisions) and how applications are reviewed. In special circumstances, the Company may notify you and take up to an additional 90 days for its initial review and 60
days for its final review. 
  
 No Assignment Of Your Account Is Permitted

  
 Under this Plan, you may not assign, sell, transfer or use your
Account as collateral, other than for a loan from your Account as described in Section entitled Participant Loans. In addition, creditors may not attach your Account as a means of collecting 
  

 
debts. However, the Plan Administrator will comply with an IRS tax levy, federal income tax withholding, offsets for any judgment, order, decree or
settlement agreements as described in Section 401(a)(13)(C) of the Code, or a “qualified domestic relations order” (QDRO). 
  
 A QDRO is an order or judgment from a state court directing that a participant’s Account, or portion thereof, be paid to an Alternate Payee (spouse, former spouse,
child or other dependent of the participant) as child support, alimony or part of a division of marital property rights, provided that the order meets certain requirements of federal law. The rights of an Alternate Payee are similar to the rights of
a beneficiary under the terms of the Plan. You may obtain a copy, free of charge, of the Plan’s procedures relating to QDROs from the Plan Administrator. 
  

Loss of Benefits 
  
 Under certain circumstances, your benefits under the Plan could be lost, reduced, or suspended. These circumstances include the following: 
  

	 	•	 	the value of your Account decreases due to investment losses; 

  

	 	•	 	all or a portion of your benefits are directed to be paid to your spouse, former spouse or child pursuant to a QDRO; 

  

	 	•	 	you terminate employment before becoming entitled to your account balance; 

  

	 	•	 	your benefits may become subject to a federal tax levy or a judgement or settlement agreement with the Secretary of Labor relating to a violation of ERISA; 

 

	 	•	 	you do not provide the Plan Administrator with your most recent address and you cannot be located; or 

  

	 	•	 	you fail to make proper application for benefits or fail to provide information necessary for the Plan to make a distribution. 

  
 No Employment Rights 
  
 Your participation in the Plan does not give you any employment rights with the Company.

  

 Your Rights Under Federal Law 
  
 As a participant of this Plan you are entitled to certain rights and protection under ERISA. 
  
 ERISA provides that all Plan participants are entitled to: 
  

	 	•	 	Examine, without charge, at the Plan Administrator’s office and at other specified locations, such as worksites and union halls, all documents governing the Plan, including
insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Pension and Welfare Benefits
Administration. 

  

	 	•	 	Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan, including insurance contracts and collective bargaining agreements,
and copies of the latest annual report (Form 5500 Series) and updated SPD. The Plan Administrator may make a reasonable charge for the copies. 

  

	 	•	 	Receive a summary of the Plan’s annual financial report. The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report.

  

	 	•	 	Obtain a statement telling you your current account balance and whether you have a right to receive a vested benefit at normal retirement age (age 65). If you do not have a vested
right to a benefit, the statement will tell you how many more years you have to work to earn a vested right. This statement must be requested in writing and is not required to be given more than once every 12 months. This statement must be provided
free of charge. 

  
 In addition to creating rights for Plan
participants, ERISA imposes duties upon the people who are responsible for the operation of the Plan. The people who operate your Plan, called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of you and other
Plan participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a pension benefit or exercising your rights under
ERISA. 
  
 If your claim for a pension benefit is denied or ignored, in whole or
in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules. 
  
 Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of the Plan documents or the
latest annual report from the Plan and do not receive them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the
materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator. If you have a claim for benefits that is denied or ignored, in whole or in part, you may file suit in a state or federal court. In
addition, if you disagree with the Plan’s decision or lack thereof concerning the status of a qualified domestic relations order, you may file suit in a federal court. If it should happen that the Plan fiduciaries misuse the Plan’s money,
or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are 
successful the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for
example, if it finds your claim is frivolous. 
  
 If you have any questions about
your Plan, you should contact the Plan Administrator. If you have any questions about this statement or about your rights under ERISA, you should contact the nearest office of the Pension and Welfare Benefits Administration, U.S. Department of
Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Pension and Welfare Benefits Administration, U.S. Department of Labor, 200 Constitution Avenue NW, Washington, D.C. 20210. You may also obtain certain
publications about your rights and responsibilities under ERISA by calling the publications hotline of the Pension and Welfare Benefits Administration. 
  

 PLAN DIRECTORY 
  

	•	 	Official Plan Name— 

  
 DuPont Powder Coatings USA, Inc. Profit Sharing Plan 
  

	•	 	Employer and Plan Number— 

  
 Employer’s Identification Number (EIN) is 76-0396214 
  
 Plan Identification Number (PIN) is 001 
  

	•	 	Other Participating Companies— 

  

	•	 	Plan Year— 

  
 January 1 through December 31 
  

	•	 	Plan Administrator/Plan Sponsor— 

  
 DuPont Powder Coatings USA, Inc. 
  

	•	 	Initial Effective Date— 

  
 July 5 1996 
  

	•	 	Name of Plan Administrative Committee— 

  

	•	 	Plan’s Recordkeeping Service Provider— 

  
 Merrill Lynch 
  
 Group Employee Services 
  
 P.O. Box 6610 
  
 Englewood, CO 80155-6610 
  
 1-800-228-4015 
  

	•	 	Plan Trustee— 

  
 Merrill Lynch Trust Company, FS 
  
 300 Davidson Avenue 
  
 Somerset, NJ 08873 
  

  
 INSTRUCTIONS-AT-A-GLANCE

  

			
	 If You Want To ...

	 	 You Need To Do The Following ...

		
	 Enroll In the Plan
 And Elect To
Make
 Contributions:
	 	 •      Complete a Plan Enrollment Form and Beneficiary Designation Form. Return the forms to the Benefits
Department for processing. Your Enrollment Form will be forwarded to Merrill Lynch for processing of your investment direction. You will receive a Personal Identification Number (PIN) for the DuPont Powder Coatings USA, Inc. Profit Sharing Plan in a
secured envelope as a separate mailing.

		
	 Make A Rollover
 Contribution:
	 	 •      Request a Rollover Contribution Form and a Beneficiary Designation Form (if you do not already have
one on file) from the Benefits Department. Complete and return the forms to the Benefits Department for approval and forwarding of your Rollover Contribution Form to Merrill Lynch for processing.

		
	Change or Suspend Your Savings Rate (Deferral Percentage):	 	 •      Request a Deferral Percentage Change Form from the Benefits Department. Complete and return the form
to the Benefits Department for processing.

		
	Change Your Investment Direction or Transfer Funds 1:	 	 •      Telephone* Merrill Lynch at 1-800-228-4015 (or if you are hearing impaired telephone 1-800-637-1215).

		
	 Request A Participant
 Loan1:
	 	 •      Request a Loan Request Form from the Benefits Department. Complete and return the form to the
Benefits Department for approval and forwarding to Merrill Lynch for processing. If you are married, you will need to obtain your spouse’s written consent to your request for a loan and your spouse’s signature must be witnessed by a Notary
Public.

		
	Request An In-Service Withdrawal1:	 	 •      Request an In-Service Withdrawal Request Form from the Benefits Department. The request form will be
accompanied by an IRS Tax Notice. Complete and return the form to the Benefits Department for approval and forwarding to Merrill Lynch for processing. If you are married, you will need to obtain your spouse’s written consent to your request for
an in-service withdrawal and your spouse’s signature must be witnessed by a Notary Public.

		
	 Request A Distribution
 Upon
Termination:
	 	 •      Request a Distribution Request Form from the Benefits Department. The request form will be
accompanied by an IRS Tax Notice. Complete and return the form to the Benefits Department for approval and forwarding to Merrill Lynch for processing. If you are eligible for the Plan’s annuity option at the time you request a distribution, you
will be provided information regarding the annuity option at your request. This information is then required to be provided to you no more than 90 days before your distribution is made. If you are married, you will need to obtain your spouse’s
written consent to your request for a distribution and your spouse’s signature must be witnessed by a Notary Public.

  

	1	Limitations on Transactions: Only one financial
transaction may be initiated in any given business day. Therefore, transfers, loans and withdrawals may
not be transacted on the same business day. 

  

	*	All or a portion of the calls are tape recorded for your protection. 

  

			
	Obtain Information Regarding Your Account, Investment Fund Prices, Loan Interest Rate Etc.:	  	 •      Telephone* Merrill Lynch at 1-800-228-4015 (or if you are hearing impaired telephone 1-800-637-1215).

  
 The Interactive Voice Response (IVR)
system operates 24 hours a day, 7 days a week. If the information you need or the transaction you want to perform is not available through the IVR, or if you prefer to speak to a participant services representative, press “0” as soon as
the IVR answers. If you have a rotary phone, simply stay on the line. Participant services representatives are available on any business day between 7 a.m. and 7 p.m. (Central time).  
  
 INTERNET ACCESS 
  
 Internet access to your account will be provided through Benefits OnLineSM. Benefits OnLine is a comprehensive web site that will allow you to make transactions as well as check the status of your Plan account. To access Benefits
OnLine, you will need your Social Security number and your PIN. Then, just follow these steps to gain access to the web site. 
  

	1.	Connect to the Internet 

  

	2.	Type http://www.benefits.ml.com in the “location” box of your browser. Hit the “enter” key on your keyboard. 

  

	3.	Enter your Social Security number and PIN. If you don’t enter your PIN, you will still be able to view the entire site with the exception of account-related information.

  

	4.	Click on the “sign-on” button. 

  
 Remember to log off the site when you are finished. 
  
 Benefits OnLine is a service mark of Merrill Lynch & Co., Inc. 

	*	All or a portion of the calls are tape recorded for your protection.Savings and Investment Plan

 EXHIBIT 4(b) 
  
 Savings & Investment Plan of 
 E. I. du Pont de Nemours and Company 
  
 Originally Adapted: September 1, 1955 
  
 Last Amended – January 1, 2005 

 SAVINGS AND INVESTMENT PLAN 
  
 Originally Adopted: September 1, 1955 
  
 Last Amended Effective – January 1, 2005 
  
 E. I. du Pont de Nemours and Company 

 SIP LANGUAGE INDEX 
  

					
	 I.
	  	PURPOSE	  	1
	 II.
	  	ELIGIBILITY	  	1
	 III.
	  	ENROLLMENT	  	1
	 IV.
	  	AFTER-TAX AND BEFORE TAX AMOUNTS	  	2
	 	  	 1.      Amount of After-Tax and Before-Tax Contributions
	  	2
	 	  	 2.      Change in Amounts of After-Tax and Before-Tax Contributions
	  	6
	 	  	 3.      Collection of After-Tax Contributions
	  	6
	 	  	 4.      Voluntary Suspension of After-Tax and Before-Tax Contributions
	  	6
	 V.
	  	COMPANY CONTRIBUTION	  	7
	 VI.
	  	INVESTMENT FUNDS	  	7
	 	  	 1.      Fund A - Reserved (Hold for possible future use)
	  	7
	 	  	 2.      Fund B - Fixed Income
	  	7
	 	  	 3.      Fund C - Equity Mutual Funds
	  	7
	 	  	 4.      Fund D - Du Pont Company Common Stock
	  	7
	 	  	 5.      Fund E - Three-way Asset Allocation Fund
	  	7
	 	  	 6.      Fund L - Loans
	  	8
	 	  	 7.      Fund F – Conoco Common Stock
	  	8
	 VII.
	  	INVESTMENT DIRECTION	  	8
	 	  	 1.      Investment of After-Tax Contributions
	  	8
	 	  	 2.      Investment of Before-Tax Contributions
	  	8
	 	  	 3.      Investment of Company Contribution
	  	8
	 	  	 4.      Change in Investment Direction
	  	9
	 	  	 5.      Separate Accounting and Nonforfeitability
	  	9
	 VIII.
	  	FUND TRANSFERS	  	9
	 	  	 1.      Transfers Among Funds B, C, D, E and F
	  	9
	 	  	 2.      Transfers to Fund L from Funds B, C, D, E and F
	  	9
	 	  	 3.      Transfers to Funds B, C, D, E and F from Fund L
	  	10
	 IX.
	  	[Reserved]	  	10
	 X.
	  	OPERATION OF FUNDS B, C AND E	  	11
	 	  	 1.      Fund Investments
	  	11
	 	  	 2.      Fund Valuation
	  	11
	 	  	 3.      Fund Units or Shares
	  	12
	 	  	 4.      Voting of Shares
	  	13
	 XI.
	  	OPERATION OF FUND D	  	13
	 	  	 1.      Purchase of Company Common Stock
	  	13
	 	  	 2.      Account Holder's Account
	  	13
	 	  	 3.      Valuation of Fund D
	  	14
	 	  	 4.      Voting and Tender of Shares
	  	15
	 	  	 5.      Cash Dividends on Company Common Stock
	  	15
	 XII.
	  	OPERATION OF FUND L	  	16
	 	  	 1.      Establishment of Loan Account
	  	16
	 	  	 2.      Interest
	  	16
	 	  	 3.      Repayments
	  	16
	 	  	 4.      Fund Valuation
	  	16

  

					
	 XIII.
	  	PARTICIPANT LOANS	  	17
	 	  	 1.      Determination of Borrowable Account Balance
	  	17
	 	  	 2.      Amount of Loan
	  	17
	 	  	 3.      Interest
	  	17
	 	  	 4.      Term of Loans
	  	17
	 	  	 5.      Repayment
	  	18
	 	  	 6.      Declaration and Notice of Default
	  	19
	 	  	 7.      Deemed Withdrawal
	  	20
	 	  	 8.      General Conditions
	  	21
	 XIV.
	  	WITHDRAWALS	  	23
	 	  	 1.      General Conditions
	  	23
	 	  	 2.      Withdrawal Sequence
	  	23
	 	  	 3.      Withdrawal Maximums
	  	24
	 XV.
	  	HARDSHIP WITHDRAWALS FROM BEFORE-TAX ACCOUNT	  	24
	 	  	 1.      Definition of Hardship
	  	24
	 	  	 2.      Establishment of Immediate and Heavy Financial Need
	  	25
	 	  	 3.      Distribution Necessary to Satisfy Immediate and Heavy Financial Need
	  	25
	 	  	 4.      Amount Withdrawable
	  	26
	 	  	 5.      Forfeitures and Suspensions
	  	27
	 XVI.
	  	TERMINATION OF PARTICIPATION	  	27
	 	  	 1.      General Conditions
	  	27
	 	  	 2.      Distribution of Accounts
	  	27
	 	  	 3.      Periodic Payment Options
	  	32
	 	  	 4.      Reenrollment in Plan
	  	36
	 	  	 5.      Computation Period
	  	38
	 XVII.
	  	NONASSIGNMENT	  	38
	 XVIII.
	  	OPERATION OF THE PLAN AS A TOP-HEAVY PLAN	  	38
	 	  	 1.      Minimum Contributions
	  	38
	 	  	 2.      Definitions
	  	38
	 XIX.
	  	MISCELLANEOUS PROVISIONS	  	39
	 	  	 1.      Plan Administration
	  	39
	 	  	 2.      Administrative Expense
	  	41
	 	  	 3.      Modification or Termination
	  	41
	 	  	 4.      Transition to Amended Plan
	  	42
	 	  	 5.      Transfer of Assets
	  	42
	 	  	 6.      No Guarantee of Security Values
	  	44
	 	  	 7.      Limitations on Annual Additions
	  	44
	 	  	 8.      Qualified Domestic Relations Orders
	  	44
	 	  	 9.      Subsidiaries with No Defined Benefit Pension Plan
	  	45
	 	  	 10.    Normal Retirement Age and Years of Participation
	  	45
	 	  	 11.    Compensation Taken into Account
	  	45
	 	  	 12.    No Decrease of Accrued Benefit
	  	45
	 	  	 13.    Change to Vesting Schedule
	  	46
	 	  	 14.    Definitions
	  	46
	 	  	 15.    Military Service
	  	50
	 EXHIBIT A (Reserved)
	  	51

  

 SAVINGS AND INVESTMENT PLAN 
  

	I.	PURPOSE 

  
 The purpose of this Plan is to encourage and assist employees in following a systematic savings program suited to their individual financial objectives,
and to provide an opportunity for employees to become stockholders in the Company. This Plan is a profit-sharing plan. 
  
 Effective October 1, 2001, Fund D – DuPont Company Common Stock Fund is converted to, and is designated as a stock bonus plan that is an
employee stock ownership plan designed to invest primarily in qualifying employer securities. 
  

	II.	ELIGIBILITY 

  
 Any employee is eligible to participate in the Plan. 
  
 Former Participants on leave of absence granted under Section IV.1 (g) of the Service Rules, after having been hired by the Company and subsequently
employed by a foreign or domestic subsidiary of the Company, who under U.S. law may not be treated as employees of the Company, may not have contributions made to their accounts. If such a Former Participant’s leave of absence with the Company
is terminated prior to his becoming an employee again for purposes of this Plan, his participation will be terminated and distribution of the balance in his accounts will be made as provided in Paragraph 4(a) of Section XVI. 
  
 Participation in the Plan is entirely voluntary. 
  

	III.	ENROLLMENT 

  
 An eligible employee may enroll in the Plan as of the first day of the second calendar month following his or her date of hire, or at any subsequent time,
by authorizing deductions from his salary or wages or electing deferrals of compensation or both under the provisions of this Plan. 
  
 In the case of an employee transferring from a company that is owned at least 50% by the Company, however, such employee may enroll in the Plan as soon as
administratively practical following such individual’s becoming an employee of the Company. 
  

	IV.	AFTER-TAX AND BEFORE TAX AMOUNTS 

  

	 	1.	Amount of After-Tax and Before-Tax Contributions 

  

	 	(a)	(1)    After-Tax and Before Tax Contributions 

  
 An individual may authorize his employer to (A) make a payroll deduction (hereafter, After-Tax Contribution) and/or (B) defer a portion of his
compensation (hereafter, Before-Tax Contribution) and pay it under this Plan in an amount per month, and in the case of any applicable Variable Pay, at the time of such payment, equal to any selected whole percentage (except as required to comply
with subparagraph (iii) below), provided that 
  

	 	(i)	amounts will be contributed as After-Tax contributions or withheld as Before-Tax Contributions only to the extent amounts are available after deduction of all other deductions,
including but not limited to taxes, garnishments, loan repayments, union dues, and contributions to employer welfare benefits plans, 

  

	 	(ii)	during a period when Company Contributions are suspended in accordance with Section XIV, XV, or XVI of the Plan, the Participant’s After-Tax rate will be limited to 10% and

  

	 	(iii)	a Participant may not defer more than $7,000 per year (or such other amount as may be allowable in accordance with applicable statute, regulations or official announcements made by
the Secretary of the Treasury). 

  

	 	(2)	Compliance with Actual Deferral Percentage and Actual Contribution Percentage Tests 

  

	 	(A)	If the Plan Administrator determines that the discrimination standards of Code sections 401(k) and/or 401(m) and the regulations thereunder may not be satisfied, it may take either
of the following actions: 

  

	 	(i)	reduce Before-Tax Contributions, After-Tax Contributions and/or Company Contributions, as appropriate, of Highly Compensated Participants, as described in paragraphs (B) or
(C) of this Section; and/or 

  

	 	(ii)	the Company (or any participating employer) may make a contribution (hereafter, a Qualified Non-Elective Contribution) on behalf of all or a group of Non-highly Compensated
Participants, as described in paragraph (D) of this Section. 

  
 Contributions to the ESOP portion of the Plan, comprising Fund D, will be tested separately from the portion of the Plan that is not an ESOP for purposes of this paragraph. 
  

	 	(B)	The Plan Administrator shall determine periodically during the Plan Year whether the Before-Tax and After-Tax and Company Contributions elected by Highly Compensated Participants
will, based on projections to the end of the Plan Year, cause the Plan not to comply with the limitations on contributions imposed by sections 401(k) and 401(m) of the Code. If the projections indicate that the limitations will be exceeded, the Plan
Administrator shall take the following action: 

  

	 	(i)	The Plan Administrator will determine the maximum percentages of Before-Tax and After-Tax and Company Contributions respectively that can be made by Highly Compensated Participants
without causing the Plan, on a projected basis, to exceed such limitations (“Allowable Percentages”). The Plan Administrator will reduce the percentages of Before-Tax and After-Tax Contributions of each Highly Compensated Participant, in
one percent (1%) increments, to the Allowable Percentages in accordance with the following rules: 

  

	 	(I)	If the elected percentage designated by the Highly Compensated participant for the Before-Tax Contributions exceeds the Allowable Percentage for Before-Tax Contributions, and if the
Participant so elects, the Plan Administrator will change the elected percentage in excess of that allowable to an After-Tax Contribution or, if the Participant does not so elect, pay the excess to him. 

  

	 	(II)	 If the elected percentage designated by the Highly Compensated Participant for the After-Tax Contributions exceeds the Allowable Percentage for After-Tax
Contributions, and if the Participants has so elected, the Plan Administrator will change the elected percentage in excess of that allowable to a Before-Tax 
Contribution or, if the Participant does not so elect, pay the excess to him. 

  

	 	(III)	To the extent a Before-Tax Contribution election cannot be changed to an After-Tax Contribution or vice versa without causing a projected violation of the limitations on
contributions imposed by sections 401(k) and 401(m) of the Code, the excess shall be paid to the Participant. 

  

	 	(C)	If it is determined after the close of a Plan Year that participation by Highly Compensated Participants has exceeded the discrimination standards of Code sections 401(k)
(“Excess Contributions”) or 401(m) (“Excess Aggregate Contributions”), the amount of the Excess Contributions or Excess Aggregate Contributions shall be refunded to the Highly Compensated Participants in accordance with the
following rules: 

  

	 	(i)	The Before-Tax Contribution and/or After-tax Contribution, as applicable, made in such year by such Highly Compensated Participants will be reduced, beginning with the Highly
Compensated Participant(s) with the highest dollar amount of Before-Tax Contribution and/or After-Tax Contribution, as applicable, until the standards are satisfied. 

  

	 	(ii)	The amount of Excess Contributions to be distributed shall be reduced by deferrals in excess of code section 402(g) limits (“Excess Deferrals”) previously distributed for
the taxable year ending in the same Plan Year, and Excess Deferrals to be distributed for a taxable year will be reduced by Excess Contributions previously distributed for the plan year beginning in such taxable year. 

  

	 	(iii)	Distribution (or forfeiture, if applicable) of Excess Aggregate Contributions or of Excess Contributions will include the income allocable thereto. The income allocable to the
Excess Contributions or Excess Aggregate Contributions includes income for the Plan Year for which the Excess Contributions or Excess Aggregate Contributions were made but does not include income for the period between the end of the Plan Year and
the date of distribution (or forfeiture). 

  

	 	(iv)	 If a distribution of Excess Contributions or Excess Aggregate Contributions results in a distribution of matched Before-Tax or After-Tax Contributions, the 
matching Company Contributions that relate to such Before-Tax or After-Tax Contributions will be distributed or forfeited, as applicable.

  

	 	(v)	A distribution of Excess Contributions or Excess Aggregate Contributions shall be made within 2  1/2 months of the end of the Plan Year in which they were made. 

  

	 	D.	In lieu of distributing Excess Contributions or Excess Aggregate Contributions as provided in Section IV.1.(a)(2)(C), the Company (or any Participating Employer) may make a
Qualified Non-elective Contribution on behalf of Participants that is sufficient to satisfy the discrimination standards under Code section 401(k) or 401 (m) or both. Such Qualified Non-elective Contribution shall be either: (a) a Type A
contribution which shall be allocated in a flat dollar amount to all or a portion of the eligible Non-highly Compensated Participants, or (b) a Type B contribution, which shall be allocated using a bottom-up approach with an allocation made
first to the lowest paid Non-highly Compensated Participant, and continuing with the next lowest paid Participant and so forth, in the amounts necessary to satisfy the applicable discrimination standards, counting such Type B contribution as
Before-Tax or Matching Contributions, as applicable, for purposes of such discrimination tests. Any Qualified Non-elective Contribution shall be fully vested at all times and shall be distributable only at such time as a Participant’s
Before-Tax Contributions may be distributed. 

  

	 	(3)	Distribution of Excess Before-Tax Contribution 

  

	 	(1)	If the Plan Administrator determines that a Participant has made Before-Tax Contributions which for any calendar year exceeds $7,000 (or such other amount as may be permitted by
regulation or other official announcement by the Secretary of Treasury), the excess amount (plus any income and minus any loss allocable thereto, as calculated in accordance with regulations), shall be distributed to the Participant not later than
April 15th following the close of such calendar year. 

  

	 	(2)	 If a Participant participates in another plan which includes a qualified cash or deferred arrangement, and such Participant contributes in the aggregate more than
the corresponding provisions of the other plan and the Participant notifies the Plan Administrator not later than March 1st following the close of such calendar year then the Plan Administrator shall distribute to the Participant not later than
April 15th following the close of such calendar year the excess amount (plus any 
income and minus any loss allocable to such amount) which the Participant allocated to this Plan. 

  

	 	(b)	Catch-Up Contributions 

  
 All Participants who are eligible to make Before-Tax Contributions under this Plan and who have all attained age fifty (50) before the end of the
calendar year shall be eligible to make catch-up contributions in accordance with, and subject to the limitations of, Code Section 414(v) and any guidance issued thereunder by the Internal Revenue Service. Such catch-up contributions shall not
be taken into account for purposes of the provisions of the Plan implementing the required limitations of Code Sections 402(g) and 415. The Plan shall not be treated as failing to satisfy the provisions of Code Section 401(k)(3), 401(k)(11),
401(k)(12), 410(b), or 416, as applicable, by reason of the making of such catch-up contributions. Amounts that are contributed as catch-up contributions shall not be taken into account as Before-Tax Contributions in determining the amount of
Matching Contributions to which the Participant is otherwise entitled under the Plan. 
  

	 	2.	Change in Amounts of After-Tax and Before-Tax Contributions 

  
 A Participant may change his After-Tax and Before-Tax amounts by authorizing the Company to deduct or defer any higher or lower amount permitted by
Paragraph 1 of this Section. 
  

	 	3.	Collection of After-Tax Contributions 

  
 After-Tax Contributions shall be permitted only by deduction from a Participant’s salary, wages, or Variable Pay, except that cash payments
equivalent to the monthly After-Tax amount allowed by Paragraph 1 (a) of this Section may be accepted from a Participant on leave of absence granted under Section IV. 1. (g) of the Service Rules and shall be treated as deductions from the
employee’s salary, wages, or Variable Pay for purposes of this Plan. 
  

	 	4.	Voluntary Suspension of After-Tax and Before-Tax Contributions 

  
 A Participant who has an account balance in the Plan may authorize suspension of his After-Tax and Before-Tax Contributions without terminating his
participation in the Plan. During such suspension, the related Company Contribution described in Section V. shall also be suspended. After a minimum suspension of one month, the Participant may authorize the resumption of After-Tax and Before-Tax
Contributions. A Participant is not permitted to make up suspended After-Tax, Before-Tax Contributions, or amounts withdrawn except as provided in Paragraph 1 (b) of this Section and Paragraph 6(c) of Section XVI. 
  

	V.	COMPANY CONTRIBUTION 

  
 Except during a period of suspension in accordance with Section IV.4., XIII.7.(b)(3), XIV.1.(c), XV. or XVI., the Company will contribute monthly, and in
the case of Variable Pay at the time of such payment, to the Funds selected by each Participant in accordance with Paragraph 3 of Section VII. an amount (hereafter, Company Contribution) equal to 50% of the Participant’s After-Tax and
Before-Tax Contributions during that month and, if applicable, at the time of payment of any Variable Pay except that no such contribution will be made on the total of any Participant’s After-Tax and Before-Tax Contributions in excess of 6% of
his combined monthly pay and any applicable Variable Pay. For purposes of determining whether a Participant’s After-Tax or Before-Tax Contributions are matched or unmatched, the Company Contribution will be deemed to have first matched the
Before-Tax Contributions. The Company Contributions shall be for the exclusive benefit of Participants. No Company Contribution shall be made with respect to catch-up contributions made under Section IV.3. of the Plan. 
  

	VI.	INVESTMENT FUNDS 

  
 The following Funds shall be established for the investment of After-Tax, Before-Tax, and Company Contributions. 
  

	 	1.	Fund A - Reserved (Hold for possible future use) 

  

	 	2.	Fund B - Fixed Income 

  
 Amounts deposited in the Stable Value Fund shall be invested so as to preserve principal and to pay a stable rate of return over time. 
  

	 	3.	Fund C - Equity Mutual Funds 

  
 Amounts deposited in Fund C shall be invested, as directed by Participants, in one or more mutual funds or other equity investment vehicles designated by
the Company. 
  

	 	4.	Fund D - DuPont Company Common Stock 

  
 Amounts deposited in Fund D shall be invested in Company common stock. 
  

	 	5.	Fund E - Three-way Asset Allocation Fund 

  
 Amounts deposited in Fund E shall be invested in a three-way asset allocation fund consisting of a portfolio diversified among the stock, bond, and cash
sectors of the securities marketplace. Assets in Fund E are transferred among these sectors in such manner and to such extent as the fund manager of Fund E shall select. 
  

	 	6.	Fund L - Loans 

  
 Amounts transferred to Fund L from the other Funds shall be loaned to Participants. 
  

	 	7.	Fund F – ConocoPhillips Common Stock 

  
 Amounts deposited in Fund F shall be invested in shares of common stock of ConocoPhillips, Inc., provided, however, that Fund F shall be offered as an
investment fund under the Plan only upon the effective date of the one-time initial tender offer of common stock of ConocoPhillips, Inc., and no amounts may be invested in Fund F other than as a result of such initial tender offer (or as a transfer
from another tax-qualified plan, as otherwise permitted under the Plan). If the tender offer does not occur, this Section 7 shall not become effective. Notwithstanding any other provision of this Plan to the contrary, an account holder may
authorize the transfer of all or part of the value of his account invested in Fund F into any other investment fund available under the Plan, but may not authorize any transfer into Fund F other than as a result of the tender offer. Dividends paid
with respect to shares of common stock of ConocoPhillips Inc., shall not be invested in Fund F, but shall instead be invested according to an account holder’s current investment directions. Fund F shall be treated as an investment fund other
than Fund L for determining availability of loans and withdrawals and for all other purposes as appropriate under this Plan. 
  

	VII.	INVESTMENT DIRECTION 

  

	 	1.	Investment of After-Tax Contributions 

  
 Each Participant shall authorize the Company to allocate his After-Tax Contributions to his Regular Account in Funds B, C, D or E in selected percentages
in whole multiples of one percent (1%). 
  

	 	2.	Investment of Before-Tax Contributions 

  
 Each Participant shall authorize the Company to allocate his Before-Tax Contributions to his Before-Tax Account in Funds B, C, D or E in selected
percentages in whole multiples of one percent (1%). 
  

	 	3.	Investment of Company Contribution 

  
 Each Participant shall authorize the Company to allocate Company Contributions to his Regular Account in accordance with the Participant’s current
investment direction of After-Tax Contribution or Before-Tax Contribution, if there are no After-Tax Contributions. 
  

	 	4.	Change in Investment Direction 

  
 A Participant may change his investment direction to Funds B, C, D, and E by authorizing any other allocation permitted by Paragraphs 1 and 2 of this
Section. 
  

	 	5.	Separate Accounting and Nonforfeitability 

  
 A Participant’s Before-Tax Contributions and After-Tax Contributions and earnings thereon will be nonforfeitable. A Participant’s Before-Tax
Account will be maintained in a separate account from a Participant’s After-Tax Contributions, Company Contributions and earnings thereon. 
  

	VIII. 	FUND TRANSFERS 

  

	 	1.	Transfers Among Funds B, C, D, E and F 

  
 An account holder may authorize the transfer of all or part of the value of his Regular Account in Fund B, C, D or E or his Before-Tax Account in Fund B,
C, D or E, from one Fund to the other, subject to the following rules: 
  

	 	(1)	such Transfers may be made in any whole multiple of one percent (1%) or in any number of Fund Units and/or Shares; 

  

	 	(2)	all Transfers are subject to any trading restrictions imposed on each specific investment alternative; and 

  

	 	(3)	amounts may not be transferred into and out of the same Fund on the same business day. The determination of values for this purpose shall be made in accordance with the provisions
of Sections IX., X. and XI. 

  

	 	2.	Transfers to Fund L from Funds B, C, D, E and F 

  
 A Participant who is granted a loan or loans from the Plan shall designate the sequence in which Funds will be liquidated and authorize the Transfer of
cash to Fund L in an amount equal to the principal amount of the loan or loans. Such Transfers shall be made from the Participant’s borrowable account balance in the following order: 
  

	 	(a)	Nonforfeitable Company Contributions contributed during the last two years of participation 

  

	 	(b)	Matched After-Tax Contributions contributed during the last two years of participation; 

  

	 	(c)	Nonforfeitable Company Contributions held for more than two years; 

  

	 	(d)	Matched After-Tax Contributions held for more than two years; 

  

	 	(e)	Earnings in Regular Account 

  

	 	(f)	Unmatched After-Tax Contributions; 

  

	 	(g)	Matched Before-Tax Contributions contributed during the last two years of participation; 

  

	 	(h)	Matched Before-Tax Contributions held for more than two years; 

  

	 	(i)	Earnings in Before-Tax Account; 

  

	 	(j)	Unmatched Before-Tax Contributions. 

  

	 	3.	Transfers to Funds B, C, D, E and F from Fund L 

  
 Repayments of principal and interest to Fund L shall be transferred to Funds B, C, D and/or E in the Before-Tax Account, or Funds B, C, D and/or E in the
Regular Account. Such Transfers shall be made in the same proportion that current investment direction of After-Tax and/or Before-Tax Contributions are made to those Funds under Sections VII.1. and 2. If there is no current investment direction of
After-Tax Contributions, Transfers under this Paragraph shall be made to Fund B. If there is no current investment direction of Before-Tax Contributions, Transfers under this Paragraph shall be made to Fund B. Repayments of principal under this
Paragraph shall be restored to the Participant’s Regular and/or Before-Tax Account in reverse order from that set forth in Paragraph 2 of this Section. Payments of interest shall be treated as Earnings and shall be allocated to the Regular
and/or Before-Tax Account in the same proportion that unpaid principal from each Account bears to the total unpaid principal prior to such payment. 
  

	 	4.	Restrictions on Transfers and Investments 

  
 Despite any other provisions of the Plan, the Plan Administrator may at any time implement restrictions on investment options, or decline to implement
investment instructions, as it deems appropriate to protect the interests of Plan participants. 
  

	IX.	[Reserved] 

  

	X.	OPERATION OF FUNDS B, C AND E 

  
 Throughout this Section, the words “the Fund” shall mean Fund B, Fund C or Fund E. 
  

	 	1.	Fund Investments 

  

	 	(a)	Amounts allocated to the Fund(s) in accordance with the terms of this Plan shall be paid by the Company to or at the direction of Trustee(s) appointed by the Company for the
Fund(s), and shall be deposited in an account for the Fund(s). 

  

	 	(b)	Amounts deposited in the Stable Value Fund shall be delivered to the Trustee and invested as designated by the Company pursuant to arrangements with one or more entities chosen by
the Company, including, but not limited to, insurance companies, banks and other investment organizations. These arrangements shall provide for the return of principal in full plus the payment of interest at a predetermined rate applicable for a
specified period of time. In addition, a portion of the Stable Value Fund shall be invested in a short-term funds(s) (i.e., a cash buffer) so as to provide sufficient liquidity to accommodate daily trading activity. 

  

	 	(c)	All amounts received by the Trustee of Fund C shall be invested, as directed by account holders, in one or more mutual funds or other equity investment vehicles designated by the
Company. Assets of Fund C shall be held in the name of the Trustee(s) or one or more of its/their designated nominees. 

  

	 	(d)	All amounts received by the Trustee of Fund E shall be invested by the Trustee in a portfolio diversified among the stock, bond, and cash sectors of the securities marketplace in
such manner and to such extent as the fund manager of Fund E shall select. Assets of Fund E shall be held in the name of the Trustee or of one or more of its designated nominees. 

  

	 	2.	Fund Valuation 

  

	 	(a)	All deposits to the Stable Value Fund shall be expressed as units of participation in the Stable Value Fund. The Trustee of the Stable Value Fund shall determine each day’s
unit value based on the assets of the Stable Value Fund. Assets shall consist of all deposits to the Stable Value Fund and all interest credited or accrued to such deposits pursuant to investment arrangements. No participant in the Stable Value Fund
shall have ownership in any particular investment in the Stable Value Fund. 

  

	 	(b)	The Trustees of Funds C and E shall determine the current fair market value of all assets held by such Funds, including accrued income, each day on which business is transacted on
the New York Stock Exchange. 

  

	 	(c)	Fund valuations determined in accordance with Paragraphs 2.(a) and 2.(b) of this Section shall be made before recording in the Fund After-Tax Contributions, Before-Tax
Contributions, Company Contributions, Withdrawals, Terminations of Participation, and Transfers among Funds. 

  

	 	3.	Fund Units or Shares 

  

	 	(a)	Amounts allocated to the Fund(s) shall be credited to account holder’s accounts in dollars, in shares, and/or in units, as appropriate, of ownership in the Fund(s).

  

	 	(i)	The value of a unit or share shall be determined as follows: 

  

	 	(A)	The value of a unit in Fund B or E shall be determined by dividing the total value of the Fund for that business day by the corresponding total number of units in the Fund before
adding or subtracting any units for that business day (for the first month of operation, each unit in the Fund shall be valued at $10.00); 

  

	 	(B)	the value of each mutual fund share or other equity investment in Fund C shall be determined on each business day by the Investment Manager(s) of Fund C.

  

	 	(ii)	The number of units or shares credited to each account holder’s account for the current business day shall be determined by dividing the amounts of the account holder’s
After-Tax Contributions, Before-Tax Contributions, Company Contributions, and/or Transfers among Funds for the current business day by the value of one unit or share for that day. 

  

	 	(b)	 The current value of an account holder’s account in the Fund, as needed for Withdrawals, Termination of Participation, Loans, Transfers among Funds, or
periodic reports to account holders, shall be determined by multiplying the total number of his respective Units and/or shares in the Fund (after additions for the current day) by the value of one Unit and/or share respectively for that business
day; also, the number of respective Units and/or shares to be deducted from an account holder’s account because of forfeiture, Loan, or Withdrawal 
of a specified amount shall be determined by dividing such amount by the value of one Unit and/or share respectively for that day.

  

	 	4.	Voting of Shares 

  
 Each account holder shall be entitled to direct the Trustee as to the manner in which voting rights with respect to the shares or units represented by the
account holder’s Account in the Fund are to be exercised. The Trustee shall vote the number of shares or units in accordance with such instructions. If a Participant does not return voting proper instructions in a timely manner, such inaction
shall be deemed an election not to vote such shares or to vote such shares as the default option described on the proxy or voting instructions, as applicable. 
  

	XI.	OPERATION OF FUND D 

  

	 	1.	Purchase of Company Common Stock 

  
 Amounts allocated to Fund D shall be used to purchase DuPont common stock. Such purchases may be made in the open market or from the Company if it shall
have made treasury or authorized but unissued shares available for such purchases. In the case of stock purchased from the Company, the purchase price shall be the closing price of such stock as reported on the New York Stock Exchange - Composite
Transactions on the last trading day preceding the date of such purchase from the Company. Purchases made on the open market shall be the average price for all shares purchased by the Plan during that day. Such Company common stock and any other
assets of Fund D shall be held in the name of the Trustee or of one or more of its designated nominees. The Trustee may sell any stock purchase warrants or distribution of property received, and the proceeds shall be invested currently in Company
common stock. Any stock dividend, split-up or other change in Company common stock, or any distributions of property applicable to the shares held by the Trustee, shall be applied for the exclusive benefit of the account holders in Fund D.

  

	 	2.	Account Holder’s Account 

  

	 	(a)	Amounts allocated to an account holder’s Fund D shall be credited in dollars and in a proportionate number of full shares and fractional interests in a share of Company common
stock. Such proportionate number shall be determined on the basis of the ratio of the amount allocated to his account to the total of all amounts allocated to Fund D for the business day. 

  

	 	(b)	An account holder shall be credited with a proportionate number of full shares and fractional interests in a share of any Company common stock acquired by the Trustee as a result of
any addition due to stock dividends, stock purchase warrant, split-up or other change, or distribution of property applicable to such stock. Such proportionate number shall be determined on the basis of the ratio of his total shares to the total of
all shares in Fund D to which such income or addition applies. In the event an account holder has transferred all funds out of Fund D prior to payment of a stock dividend, stock purchase warrant, split-up or other change, or distribution of property
applicable to stock held in Fund D, the full shares or fractional interests in a share, if any, allocable to such transferred funds on account of such stock purchase, warrant, split-up or other change, or distribution or property shall be paid in
cash in accordance with the account holder’s current investment direction. 

  

	 	3.	Valuation of Fund D 

  

	 	(a)	Valuation: Account Status 

  
 The current value of an account in the Fund on any business day shall be the total number of shares and fractional interests in a share in the account
multiplied by the closing price of Company common stock on the New York Stock Exchange for that business day, plus any proportionate ownership of accrued income and cash held for an account holder by the Trustee for Fund D. 
  

	 	(b)	Valuation: Fund Transfers Out, Loans, Withdrawals and Termination or Other Distributions 

  
 For purposes of Fund Transfers Out, Loans, Withdrawals and Termination or Other Distributions, the value of shares
liquidated in connection with the transaction shall be the average selling price as determined by the Trustee on the date of the transaction. 
  

	 	(c)	Valuation: Fund Transfers In and Purchases of Company Common Stock. 

  
 For purpose of Fund Transfers In and Purchases of Company Common Stock, the value of the Company common stock purchased in connection with the
transaction shall be the average purchase price as determined by the Trustee on the date of the transaction. 
  

	 	4.	Voting and Tender of Shares 

  

	 	(a)	Each account holder shall be entitled to direct the Trustee as to the manner in which voting rights with respect to any Company stock attributable to the number of shares and
fractional interest in a share represented by the account holder’s account in Fund D are to be exercised. The Trustee shall vote the number of shares in accordance with such instructions. Any such instructions shall remain in the strict
confidence of the Trustee. 

  

	 	(b)	Each account holder shall be entitled to direct the Trustee as to whether to exercise a tender offer with respect to any Company stock credited to such account holder’s account
in Fund D. The Trustee shall tender such shares in accordance with such instructions. If an account holder does not return proper tender instructions to the Trustee in a timely manner, such inaction by the account holder shall be deemed a decision
not to tender, and the Trustee shall not tender shares credited to such account holder’s account. 

  

	 	5.	Cash Dividends on Company Common Stock 

  

	 	(a)	Effective for dividends paid by the Company on or after October 1, 2001, and except as provided in Section (b), cash dividends paid with respect to shares of Company stock
allocated to an account holder’s accounts as of the record date will be, as elected by the account holder during the first two months of the calendar quarter prior to the payment date in the form and manner required by the Company,
(1) distributed in cash to the account holder as soon as administratively practicable following the date such dividend is paid by the Company (but in no event later than 90 days following the end of the Plan Year in which such dividend is paid
by the Company), or (2) retained by the Trustee for credit to the account holder’s account. 

  
 Effective for dividends paid by the Company on or after January 1, 2003, any cash dividend paid with respect to shares of Company stock allocated to
an account holder’s accounts as of the record date of such dividend will be, as elected by the account holder prior to the payment date in the form and matter required by the Company, (1) distributed in cash to the account holder as soon
as administratively practicable following the date such dividend is paid by the Company (but in no event later than 90 days following the end of the Plan Year in which such dividend is paid by the Company) or (2) retained by the Trustee for
credit to the account holder’s accounts in Fund D. 
  

	 	(b)	 Cash dividends paid by the Company on or after October 1, 2001, but before the first date on which the Company has received from the Internal Revenue Service
both a favorable determination letter with 
respect to the Plan as amended through December 20, 2001, and a favorable private letter ruling under section 404(k), of the Code, shall be retained by
the Trustee, credited to account holders’ accounts and invested as described in paragraph (a). As soon as administratively practicable following the Company’s receipt of both favorable rulings described in the preceding sentence, but not
later than 90 days following the end of the Plan Year in which such dividends are paid by the Company, an amount equal to such dividends shall be, if elected by the account holder in the form and manner required by the Company, distributed to the
account holder. 

  

	XII.	OPERATION OF FUND L 

  

	 	1.	Establishment of Loan Account 

  
 Amounts transferred to this Fund shall be loaned to the Participant provided the Loan Administrator has received the documents described in Section
XIII.8.(d). The promissory note executed by the Participant shall be held by a Trustee appointed by the Company for the Fund until the loan has been paid in full. 
  

	 	2.	Interest 

  
 Interest at the rate prescribed in the loan agreement shall accrue daily. 
  

	 	3.	Repayments 

  
 The Administrator shall reduce the account balance in Fund L. Respective repayments of principal and interest amounts shall be transferred to the Participant’s account(s) as provided in Section VIII.3. When the
account balance in Fund L has been reduced to zero, the Administrator shall notify the Trustee that the loan has been repaid and the Trustee shall cancel the promissory note and return it to the Participant, if the Participant so requests. The
Administrator shall notify Participant that loan has been repaid. 
  

	 	4.	Fund Valuation 

  
 The current value of the account on any date shall be the outstanding loan balance plus any unpaid accrued interest. 
  

	XIII. 	PARTICIPANT LOANS 

  
 A Participant with a borrowable account balance in Funds B, C, D, E and F of $1,000 or more may request a loan subject to the conditions stated in this
Section (hereafter, Loan). 
  

	 	1.	Determination of Borrowable Account Balance 

  
 For purposes of this Section and Section VIII., the borrowable account balance in Funds B, C, D, E and F shall equal one-half of the amount distributable
from those Funds under Section XVI. on account of termination of employment from the controlled group for any reason other than those described in Section XVI.2.(b) less amounts held in account pursuant to a qualified domestic relations order.

  

	 	2.	Amount of Loan 

  
 Loans shall not be for less than $1,000. The maximum amount of any Loan from this Plan may not exceed the Participant’s borrowable account balance in
Funds B, C, D, E and F, and, when added to the outstanding balance(s) of all other loans from this or any other qualified plans sponsored by any member of the controlled group, shall not exceed the lesser of: 
  

	 	(a)	$50,000, reduced by the highest outstanding balance of Loans from the controlled group profit sharing plans during the one-year period ending on the day before the date on which
such Loan was made, or 

  

	 	(b)	one-half of the Participant’s nonforfeitable account balance(s) in all controlled group profit-sharing plans. 

  

	 	3.	Interest 

  
 The rate of interest for Loans granted during any monthly period shall be determined as of the last working day of the month preceding the date on which the Loan application is made and shall a rate that provides the
Plan with a return commensurate with the interest rates charged by persons in the business of lending money for loans which would be made under similar circumstances. 
  

	 	4.	Term of Loans 

  
 The term of the Loan shall be the period requested by the Participant and accepted by the Administrator. The minimum term shall be 12 months and the
maximum term 60 months, except for a qualified residential Loan. The 
maximum term for a qualified residential Loan shall be 120 months. The Administrator shall determine, based on information furnished by the Participant,
whether a Loan is a qualified residential Loan, as defined in Paragraph 8.(e) of this Section. 
  

	 	5.	Repayment 

  

	 	(a)	Payroll Deduction 

  
 Except as provided in Subparagraph (b) below, Loans shall be repaid in monthly installments by deduction from a Participant’s salary or wages
according to the amortization schedule in the disclosure statement. 
  
 Notwithstanding the foregoing, a Participant shall have the right to repay at any time prior to the expiration of the term of the Loan, without penalty, the outstanding balance of the Loan plus accrued interest to the end of the month in
which repayment occurs. Such payment shall be made in such form as permitted by the Administrator, or by an election on the part of the Participant to incur a Deemed Withdrawal from his account pursuant to Paragraph 7.(a) of this Section.

  
 If the Participant’s salary or wage payment is not
sufficient to allow deduction of the full installment and the Participant does not make a direct payment, as provided in Paragraph 5.(b) of this Section, on or before the 45th day following the day on which such payment was due, a default will be
declared under Paragraph 6.(a) of this Section. 
  

	 	(b)	Direct Payment 

  
 The Administrator, at the Participant’s request, may permit installments of principal and interest to be repaid in a manner other than by payroll
deduction under the following circumstances: 
  

	 	(1)	the Participant, at Company request, is transferred to an affiliated group company or is employed by a partnership or joint venture in which the Company has an ownership interest
and does not elect under Section XIX.5.(b) to transfer his account to the qualified profit-sharing plan of the company, partnership or joint venture to which he is transferred or employed, or 

  

	 	(2)	the Participant is granted a leave of absence without pay under the Service Rules, or 

  

	 	(3)	the Participant’s salary or wage payment is not sufficient to allow deduction of the full installment payment, or 

  

	 	(4)	The Participant (1) retires under Section IV., XI.A.(1) or XI.A.(2) of the Company’s Pension and Retirement Plan, the Company’s Special Retirement Opportunity Program
provided that such retirement is coincident with retirements under the company’s Voluntary Separation Program or (2) terminates employment under the Company’s Voluntary Separation Program-Prime and, elects to defer distribution of his
account under Section XVI.4.(d). Unless the Plan Administrator approves an alternate method, repayments in such cases must be made by deduction from the pension check or annuity check, or 

  

	 	(5)	Effective for loans outstanding on August 1, 2002, or taken after that date, a Participant terminates employment or transfers to an Affiliated Group company and continues to
repay the loan through direct withdrawal from a bank account or other automatic payment method approved by the Plan Administrator. 

  

	 	6.	Declaration and Notice of Default 

  
 If, for any of the reasons described in this Paragraph, a Loan is declared in default, the Loan Administrator shall issue a Notice of Default which shall
be delivered to the Participant. 
  

	 	(a)	Nonpayment 

  
 If, while any portion of a Loan granted under this Section is outstanding, the Participant fails to make a scheduled repayment or a direct payment as provided in Paragraphs 5.(a) and (b) of this Section,
respectively, on or before the 45th day following the day on which such payment was due, the Loan shall be declared in default. 
  

	 	(b)	Termination of Employment 

  
 If a Participant terminates employment for any reason, other than on account of death or transfer to an Affiliated Group company or employment at Company
request with a partnership or joint venture in which the Company has an ownership interest, and does not elect to defer distribution of the balance of his accounts under Section XVI.4.(d), a Deemed Withdrawal shall occur as of the last day of the
month within which the Participant terminates employment unless the Participant continues to repay the loan as otherwise provided in this Section. In the event of death, notwithstanding Section XII.2., the 
accrual of interest shall cease as of the last day of the month in which death occurs and a Deemed Withdrawal shall occur as of the date on which
distribution of the balance of the Participant’s accounts is made under Section XVI.4.(a) unless an election is made under Section XVI.4.(d) in which case a Deemed Withdrawal shall occur as of the last day of the month in which such election is
made. 
  

	 	(c)	Transfers to Affiliated Group Companies, etc. 

  
 If a Participant is, at Company request, transferred to an Affiliated Group company or is employed by a partnership or joint venture in which the Company
has an ownership interest and does not make an election under Section XIX.5.(b), or the Trustee of the receiving plan will not accept transfer of the Fund L account, a Deemed Withdrawal shall occur as of the last day of the month within which the
Participant terminates employment from the Affiliated Group or such partnership or joint venture, as the case may be, unless the Participant continues to repay the loan as otherwise provided in this Section. 
  

	 	(d)	Reinstatement of Loan 

  
 The Plan Administrator may reinstate a Loan following a declaration of default, provided: 
  

	 	(1)	all payments of principal and interest in arrears are received by the Plan Administrator prior to a Deemed Withdrawal under Paragraph 7 of this Section; and

  

	 	(2)	the Plan Administrator receives adequate assurance that future installments will be received by Fund L on a timely basis. 

  

	 	7.	Deemed Withdrawal 

  

	 	(a)	The balance of the Participant’s Fund L account shall be deemed to have been withdrawn from the Plan by the Participant under Section XIV. or XVI., whichever is applicable
(Deemed Withdrawal), under the following circumstances: 

  

	 	(1)	the Plan Administrator does not reinstate a Loan under Section XIII.6.(d) on the earlier of the date of distribution of the Participant’s accounts or the 45th day after a
default for any reason set forth in Section XIII.6., or 

  

	 	(2)	the Participant elects to repay his Loan by canceling his Fund L account. 

  

 A Deemed Withdrawal initiated under Clause (1) or Clause (2) above shall not be considered a
withdrawal for purposes of the limitation on the number of withdrawals permitted under Section XIV.1. 
  

	 	(b)	Notwithstanding the foregoing, no Deemed Withdrawal shall be permitted if such withdrawal would adversely affect the status of the Plan under Section 401(a) or 401 (k) of
the Code. The Plan Administrator may take such action as it deems necessary to insure repayment of Loans made under this Section and compliance with applicable law. If a Deemed Withdrawal under Section XIII.7.(a) would adversely affect the status of
the Plan under Section 401 (a) or 401 (k) of the Code: 

  

	 	(1)	the balance of the Participant’s Regular Account in Funds B, C, D, E and F shall be distributed subject to Section XIV. in accordance with the consent of the Participant given
at the time of the Loan initiation; 

  

	 	(2)	the Participant shall deposit neither After-Tax nor Before-Tax Contributions during the period beginning with the month following the month in which the notice of default is issued
and ending with the month in which the Loan is reinstated under Section XIII.6.(d); and 

  

	 	(3)	Company Contributions shall be suspended for a period not to extend beyond the later of six months after the month in which the notice of default is issued or the end of the month
in which the Loan is reinstated under Section XIII.6.(d). 

  

	 	8.	General Conditions 

  

	 	(a)	Any Participant may receive a Loan from the Plan. For purposes only of the Loan program provided for herein, Participant shall mean any “Party in Interest”, as that term
is defined in Section 3(14) of the Employee Retirement Income Security Act (ERISA) who has a borrowable account balance in the Plan of at least $1,000, or to any person who has a vested account under the Plan and who is employed by an
Affiliated Company. For purposes of this Article XIII., Affiliated Company shall mean a corporation that has adopted the Plan or any other profit sharing plan and is a member of the controlled group of corporations (within the meaning of
Section 1663(a) of the Code, determined without regard to Code Section 1 563(a)(4) and Section 1 563(e)(3)(c)) of which the Company is parent, and any corporation which is not a member of the controlled group of corporations but in
which the Company has an ownership interest. 

  

	 	(b)	A Participant may not have more than five Loans from the Plan outstanding at any time. 

  

	 	(c)	At all times during the term of the Loan(s), the Participant must have a balance in Fund L equal to the outstanding balance of the Loan(s). 

  

	 	(d)	No Loan shall be made to any Participant until the execution and/or submission by the Participant of: 

  

	 	(1)	a Loan application completed in a manner prescribed by the Plan Administrator, 

  

	 	(2)	a promissory note payable to the Trustee in the amount and on a form prescribed by the Plan Administrator, 

  

	 	(3)	a written authorization for Loan repayment by means of payroll deductions or other method of repayment acceptable to the Plan Administrator, 

  

	 	(4)	an authorization to transfer an amount described in Section VIII.2. to Fund L, and 

  

	 	(5)	the consent required by Section XIII.7.(b)(1). 

  

	 	(e)	A “qualified residential Loan” is a Loan used to acquire or construct any dwelling unit which within a reasonable time (determined at the time the Loan is made) is to be
used as a principal residence of the Participant. 

  

	 	(f)	All Participants granted Loans under this Section shall receive a statement disclosing the terms of the Loan, including the interest rate, amount of interest to be paid over the
term of the Loan and payment conditions (disclosure statement). 

  

	 	(g)	No Loan may be granted that would adversely affect the status of the Plan as one which qualifies under Section 401 (a) or 401 (k) of the Code or the status of the
trust as one which is exempt from Federal income tax under Section 501(a) of the Code. 

  

	 	(h)	Notwithstanding anything above to the contrary, the Loan Administrator may deny a Loan if in its judgment the Participant will not have sufficient income to meet his Loan payments
as they become due. 

  

	 	(i)	The Loan Administrator is responsible for the administration of the loan program described in this section. 

  

	XIV. 	WITHDRAWALS 

  

	 	1.	General Conditions 

  

	 	(a)	In addition to a distribution pursuant to Section XVI.1. an account holder may make three withdrawals in any calendar year under the provisions of this Section from his Regular
and/or Before-Tax Accounts. Withdrawals shall not be permitted: 

  

	 	(i)	from the Before-Tax Account before the Participant attains age 59 1/2, becomes disabled, or incurs a hardship (except that Qualified Non-elective Contributions may not be withdrawn
upon hardship), or 

  

	 	(ii)	from Fund L except as provided in Section XIII.7. 

  

	 	(b)	Withdrawn amounts will be valued as of the valuation date on which the transaction is processed. 

  

	 	(c)	Company Contributions shall be suspended for six months if a Participant withdraws any or all of: 

  

	 	(i)	his Matched After-Tax Amounts deposited during the last two years of participation; 

  

	 	(ii)	his Matched Before-Tax Amounts deposited during the last two years of participation; 

  

	 	(iii)	the Nonforfeitable Company Contributions deposited in his Regular Account during the last two years of participation. 

  

	 	(d)	Distribution from Regular Accounts and Before-Tax Accounts under this Section may be made in cash or in kind as provided in Section XVI.2, whichever is applicable.

  

	 	(e)	Participants shall designate the sequence in which Funds will be liquidated to provide for less than total withdrawals. 

  

	 	2.	Withdrawal Sequence 

  
 Withdrawals by the Participant shall be made from his Regular Account in the following order: 
  

	 	(a)	Unmatched After-Tax Contributions; 

  

	 	(b)	Rollover Assets; 

  

	 	(c)	Earnings in Regular Account 

  

	 	(d)	Matched After-Tax Contributions held for more than two years; 

  

	 	(e)	Nonforfeitable Company Contributions held for more than two years; 

  

	 	(f)	Matched After-Tax Contributions contributed during the last two years of participation; or 

  

	 	(g)	Nonforfeitable Company Contributions contributed during the last two years of participation. 

  
 Withdrawals by the Participant shall be made from his Before-Tax Account in the following order: 
  

	 	(a)	Unmatched Before-Tax Contributions; 

  

	 	(b)	Earnings in Before-Tax Account; 

  

	 	(c)	Matched Before-Tax Contributions held for more than two years; 

  

	 	(d)	Matched Before-Tax Contributions contributed during the last two years of participation; 

  

	 	3.	Withdrawal Maximums 

  
 The maximum withdrawal from any category in Section XIV.2. above shall be the lesser of 
  

	 	(a)	the amount in such category in the Participant’s Fund(s), or 

  

	 	(b)	the value of the Units, shares, and/or dollars, as appropriate, attributable to such category in the Participant’s Fund(s) at the valuation date on which the transaction is
processed. 

  

	XV.	HARDSHIP WITHDRAWALS FROM BEFORE-TAX ACCOUNT 

  

	 	1.	Definition of Hardship 

  
 A Participant may make a withdrawal in cash from his Before-Tax Account by establishing hardship. In order to prove hardship, a Participant must show
(1) that he has an immediate and heavy financial need; and (2) that the hardship distribution is necessary to satisfy the immediate and heavy financial need. A committee appointed by the Company shall act on requests 
for withdrawals and appeals under this Section. The amount of an immediate and heavy financial need may, at the participant’s request, include any
amounts necessary to pay any federal income taxes or penalties reasonably anticipated to result from the distribution. 
  

	 	2.	Establishment of Immediate and Heavy Financial Need 

  
 A Participant may establish the existence of an immediate and heavy financial need in one of two ways. A Participant may demonstrate by facts and
circumstances the existence of an immediate and heavy financial need created by an emergency or extraordinary circumstance. Alternatively, a Participant may show that his immediate and heavy financial need results from one of the following deemed
hardship conditions: 
  

	 	a.	Medical expenses described in Section 21 3(d) of the Internal Revenue Code incurred or to be obtained by the Participant, the Participant’s spouse, or any dependents of
the Participant; 

  

	 	b.	Purchase (excluding mortgage payments) of a principal residence for the Participant; 

  

	 	c.	Payment of tuition, related educational fees and room and board for the next twelve months of post-secondary education for the Participant, the Participant’s spouse, children
or dependents; or 

  

	 	d.	The need to prevent the eviction of the Participant from his principal residence or foreclosure on the mortgage of the Participant’s principal residence.

  

	 	3.	Distribution Necessary to Satisfy Immediate and Heavy Financial Need 

  
 A Participant may establish that the hardship distribution is necessary to satisfy his immediate and heavy financial need in one of two ways. Under no
circumstances will a distribution be considered necessary to satisfy an immediate and heavy financial need if it is in excess of that need. A Participant may demonstrate by all relevant facts and circumstances that a distribution is necessary to
satisfy the hardship need. Under this facts and circumstances option, a Participant must establish in a sworn and notarized statement that the immediate and heavy financial need cannot be relieved 
  

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

  

	 	(b)	by reasonable liquidation of the Participant’s assets to the extent such liquidation would not itself cause an immediate and heavy financial need; 

  

	 	(c)	by cessation of employee Before-Tax and After-Tax Contributions under the Savings and Investment Plan; or 

  

	 	(d)	by other distributions or loans from any plans maintained within the Controlled Group of companies or from plans maintained by another employer, or by borrowing from commercial
sources on reasonable commercial terms unless such loan or distribution would increase the amount of the need. 

  
 For purposes of the preceding paragraph, assets of the Participant include assets of the Participant’s spouse and minor children reasonably available
to the Participant. Property held for a Participant’s child under an irrevocable trust or under the Uniform Gifts to Minors Act shall not, however, be treated as an available resource of the Participant. 
  
 Alternatively, a Participant’s request for a distribution to meet an
immediate and heavy financial need may be deemed necessary to satisfy the need. Under this option, a Participant must establish in a sworn and notarized statement that: 
  

	 	(a)	The distribution is not in excess of the amount of the Participant’s immediate and heavy financial need; and 

  

	 	(b)	The Participant has obtained all distributions, other than hardship distributions, and all loans currently available under all plans maintained by the Controlled Group of companies.

  
 Should a Participant elect to have the
establishment of “necessary to satisfy the immediate and heavy financial need” handled under the deemed standard, the Participant will be prohibited from making any employee Before-Tax and After-Tax Contributions under the Savings and
Investment Plan and all other plans, with the exception of health and welfare benefit plans, including ones that are part of a cafeteria plan within the meaning of Section 125 of the Code maintained by the Controlled Group of companies for a
period of six (6) months after receipt of the hardship distribution. 
  

	 	4.	Amount Withdrawable 

  
 The amount which may be withdrawn cannot exceed the total of the Participant’s Before-Tax Contributions (and income allocable thereto credited to a
Participant’s Before-Tax Account as of December 31, 1988) nor the amount necessary to satisfy the immediate and heavy financial need created by the hardship. A Participant may direct withdrawals under this Section in accordance with
Section XIV. I.(f). The withdrawal sequence will be as set forth in Section XIV.2. 
  

 In no event, however, may a Participant withdraw any Qualified Non-elective Contribution (as described in
Section IV.1.(a)(2)(D) allocated to his account. 
  

	 	5.	Forfeitures and Suspensions 

  
 Except as provided otherwise in this Section, Hardship Withdrawals are subject to the same forfeitures and suspensions provided in Section XIV. for other
withdrawals from Before-Tax Accounts, provided, however, that a Hardship Withdrawal shall not be considered a withdrawal for purposes of the limitation on the number of withdrawals permitted under Section XIV.1. 
  

	XVI. 	TERMINATION OF PARTICIPATION 

  

	 	1.	General Conditions 

  

	 	(a)	Notwithstanding the restriction on the number of withdrawals contained in Section XIV.1., a Participant, who (1) has a zero balance in his Before-Tax Account, or (2) has
attained age 59 1/2, may voluntarily terminate his participation in the Plan by requesting discontinuance of After-Tax and Before-Tax Contributions and distribution of the balance in his accounts. In such event, distribution of the
Participant’s total interest in the Plan, will be made as described in this Section. 

  

	 	(b)	An individual’s participation will also end because his service with the Company is terminated or the Plan is terminated. In either such event, distribution of the
individual’s Before-Tax Account may be made as described in this Section only after he attains age 59  1/2
or terminates his service with the Controlled Group, whichever occurs first. Distribution of such Former Participant’s Regular Account will be made, when the Plan or his service with the Company is terminated or, at his option, when his
Before-Tax Account is distributed. A Former Participant who, prior to his termination of service, elected to defer receipt of his Regular Account balance under this Subparagraph may, at any time prior to settlement of his accounts, request immediate
distribution of the balance in his Regular Account less any required forfeiture of Company Contributions. 

  

	 	2.	Distribution of Accounts 

  

	 	(a)	Subject to the conditions in Paragraph 1 of this Section and Subparagraphs (b) and (i) of this Paragraph, as soon as practicable after termination of participation in the
Plan, distribution of the balance in the individual’s accounts, will be made on the following bases: 

  

	 	(1)	For Funds B, C and E, cash equal to the value of the individual’s Units and/or Shares, as appropriate, therein at the valuation date on which the termination of participation
occurs, or, where termination is on account of death, the valuation date of the business day preceding the day of distribution. 

  

	 	(2)	For Fund D, delivery of full shares of Company common stock in the individual’s account, plus the value in cash of any fractional interests in a share of such stock and accrued
income at the valuation date on which termination of participation occurs or, at the election of the individual, some or all in cash. 

  

	 	(3)	For Fund L, delivery of any promissory note(s) in the individual’s account, if requested. 

  

	 	(b)	Beneficiary Designation 

  

	 	(1)	A Participant, Former Participant, Retired Participant or Spouse Beneficiary may designate any beneficiary or beneficiaries he chooses to receive all or part of his interests in
Funds B, C, D, E and F in case of his death, and he may replace or revoke such designation. However, in the event the Participant, or Spouse Beneficiary has a spouse, no designation of a person other than the spouse shall be permitted, unless such
spouse has consented in writing in the manner prescribed by the Company to another beneficiary, or such consent could not be obtained because the spouse could not be located or because of such other reasons as applicable Treasury Regulations may
provide in which case distribution shall be made as provided in subparagraph (a) of this Section. If no surviving spouse exists and no beneficiary designation is in effect, distribution shall be made to the decedent’s estate.

  
 With respect to non-Spouse Beneficiaries
(including a beneficiary who is a spouse of a Former Participant), the balance of a deceased Participant’s, Former Participant’s, Alternate Payee’s or Retired Participant’s Plan assets will remain in the accounts and Funds as of
the time of his death, pending distribution. Total distribution shall be made to such beneficiaries no later than the end of the sixtieth month following the death of the Participant, Former Participant, Alternate Payee or Retired Participant.

  
 If in the opinion of the Company there is a question as to
the legal right of any beneficiary to receive a distribution under the Plan, the amount in question may be paid to the decedent’s estate, in which event the Trustee and the Company shall have 
no further liability to anyone with respect to such amounts. Non-Spouse Beneficiaries may not designate beneficiaries; account balances remaining at the time
of their death will be paid to their estates as soon as practicable following the death of the Non-Spouse Beneficiary. 
  

	 	(2)	If the Plan Administrator receives a qualified disclaimer (as defined in Code section 2518) from any designated beneficiary entitled to benefits as a result of, and within nine
months after, the death of a Participant, Former Participant, Spouse Beneficiary, Alternate Payee or Retired Participant, such benefits shall instead be paid to an alternate beneficiary determined according to a valid beneficiary designation made by
the deceased. Payment to an alternate beneficiary on account of receipt of a qualified disclaimer shall not be treated as a violation of Section XVII. of the Plan. 

  

	 	(c)	Retirement Deferral Election 

  

	 	(1)	Notwithstanding any provisions of this Section to the contrary, 

  

	 	(i)	a Participant, at any time prior to the effective date of his retirement under Section IV., XI.A.(l) or XI.A.(2) of the Company’s Pension and Retirement Plan, the
Company’s Special Retirement Opportunity Program, provided such retirements occur during the effective dates of the Company’s Voluntary Separation Program, the Voluntary Separation Program Prime or a similar provision of a plan of an
affiliated group company, or 

  

	 	(ii)	the Spouse Beneficiary of a deceased Participant or Retired Participant who had not reached his Required Beginning Date 

  
 may elect, revoke, or reelect an option to have the distribution in the
Participant or Retired Participant’s accounts made no later than April 1 of the calendar year following the year in which he attains age 70 1/2 except that, in the case of a Spouse Beneficiary, distribution of the balance in the accounts
shall commence on or before the later of the end of the year in which the deceased employee would have attained age 70 1/2 or the end of the year after that in which the employee died. In the event the Retired Participant is reemployed and reenrolls
in the Plan prior to the specified month, the election will be revoked and no distribution will be made on account of the prior termination of employment. A Participant, Retired Participant or Spouse Beneficiary may revoke the election and request

distribution of the balance in the accounts at any time prior to the time prescribed by this subparagraph. 
  

	 	(2)	With respect to a Participant, Retired Participant, or Spouse Beneficiary who has made an election under this Section XVI.4.(d): 

  

	 	(i)	Transfers between Funds B, C, D, E and F of the Regular Account and Funds B, C, D, E and F of the Before-Tax Account shall be permitted as set forth in Section VIII.l.; and,

  

	 	(ii)	up to three (3) Withdrawals may be made during each calendar year in accordance with Section XIV. 

  

	 	(3)	At any time prior to settlement of the accounts under this Subparagraph, the Participant, Retired Participant, or Spouse Beneficiary may direct payment of the balance of his
accounts in accordance with Paragraph 3 of this Section. In the absence of such direction, the distribution will be valued as of the date of settlement. 

  

	 	(d)	Application of Forfeitures 

  
 All amounts forfeited by Participants terminating their participation in the Plan shall be applied to reduce Company Contributions required by Section V.

  

	 	(e)	Sale of Business or Facility 

  
 A Participant whose employment with the Company or with a partnership or a joint venture in which the Company has an ownership interest and with whom
such Participant was employed at Company request, is to be terminated in connection with the sale by the Company of any business or facility or of the Company’s interest in such entity, may, at any time prior to termination of employment (or at
a later date, as permitted and determined in the sole discretion of the Company based on business conditions concerning the sale), designate that the balance in his Before-Tax and Regular Accounts (including the balances in Fund L) be paid in cash
and promissory note(s) directly to the trustee of a qualified defined contribution plan maintained by the purchaser of the business or facility if such plan will accept the transfer of assets and note(s). If the transferee plan will accept a
transfer of shares of stock, the Company, in its sole discretion, may permit a transfer in kind of such stock. 
  
 As of the valuation on the day of termination of the Participant’s employment, the balance of his Before-Tax Account in Funds B, C, 
D, E and F and his Regular Account in Funds B, C, D, E and F shall be allocated to his Regular Account in Fund B and the balance of his Before-Tax Account
Fund L shall be allocated to his Regular Account Fund L. 
  
 Payment to the trustee of the receiving plan will be made as soon as practicable after the Company receives satisfactory proof that the requirements of Section 414(1) of the Code will be satisfied in the transfer of assets. At any time
prior to such transfer of assets, the individual may request distribution of the balance of his accounts. Such payment to the trustee of the receiving plan or distribution to the individual will be in cash (and promissory note(s), if applicable) as
of the valuation date on which such proof or request, respectively, is received by the Company. 
  

	 	(f)	Post Termination Participation 

  
 After termination of service, the following Former Participants may elect to participate in the Plan to the extent provided in this Subparagraph:

  

	 	(i)	Individuals whose service is terminated due to lack of work, pursuant to the Company’s Career Transition Plan, or due to the sale of a business or facility by the Company; and,

  

	 	(ii)	all others whose vested account balances exceed $5000 at the time of termination and who do not consent to the distribution of their account balances. 

  
 No further Company Contributions or employee After-Tax Contributions or
Before-Tax Contributions will be permitted. A total distribution may be taken at any time. Total distribution shall be made under this Subparagraph no later than April 1 of the calendar year following the year in which the individual attains
age 70 1/2. 
  

	 	(g)	If a distribution is required under the terms of this Plan, pursuant to the Code, pursuant to a Qualified Domestic Relations Order, or because an account holder requested a
distribution and the account holder or alternate payee to whom such a benefit must be paid or who requested payment cannot be located, such distribution shall be held without interest and forfeited six (6) months after the end of the month in
which the distribution was required to be made or requested and shall be used to reduce Company Contributions as provided in Section XVI.4.(d) provided that the amount of such forfeiture shall be reinstated without interest if, prior to termination
of the Plan, a claim is made by the account holder or alternate payee for the forfeited distribution. 

  

	 	(h)	If an account is created for an Alternate Payee pursuant to a Qualified Domestic Relations Order no Company Contribution or employee After-Tax and/or Before-Tax Contributions will
be permitted. A total distribution may be taken at any time. Total distribution shall be made to the Alternate Payee under this Subparagraph no later than April 1 of the calendar year following the year in which the Participant, from whom the
Alternate Payee’s account was derived, attains age 70 1/2. 

  

	 	3.	Periodic Payment Options 

  

	 	(a)	In lieu of distribution of accounts in accordance with Paragraph 4 of this Section, 

  

	 	(i)	a Participant who retires under Section IV., XI.A.(l) or XI.A.(2) of the Company’s Pension and Retirement Plan, the Company’s Special Retirement Opportunity Program
provided such retirements occur during the effective dates of the Company’s Voluntary Separation Program, or the Company’s Voluntary Separation Program Prime, at any time prior to settlement of his accounts, or 

  

	 	(ii)	the Spouse Beneficiary of a deceased Participant or Retired Participant who had not reached his Required Beginning Date; 

  
 may elect, revoke or reelect to have some or all proceeds paid out in one
of the following methods of periodic payments: 
  

	 	(A)	Variable Periodic Payments. 

  
 Under this option, the proceeds in the Participant’s, Retired Participant’s, or Spouse Beneficiary’s Before-Tax and Regular Accounts will
be paid out in a specified number of monthly or annual periodic payments beginning in the month following that in which the Participant retires or that in which the Participant, Retired Participant, or Spouse Beneficiary elects periodic payout in
lieu of deferral under Section XVI.2(c) and ending (subject to amounts available in the account) after the specified number of payments have been made or in the month of notification to the Plan Administrator of the death of the Participant, Retired
Participant or Spouse Beneficiary, the remainder being paid to the designated beneficiary(ies) in accordance with this Section. The specified number of monthly periodic payments under this option cannot exceed a period based on the actuarial life
expectancies specified in the Joint and Last Survivor Table in Treasury 
Regulation Section 1.401(a)(9)-9 for the Participant, Retired Participant or Spouse Beneficiary and an individual 10 years younger than the Participant,
Retired Participant or Spouse Beneficiary (or, if the spouse of the Participant, Retired Participant or Spouse Beneficiary is more than 10 years younger, the actual joint life expectancy). A Spouse Beneficiary may continue to receive the remaining
periodic payments after the death of the Participant or Retired Participant (provided that payments to the spouse must be made at least as quickly as the spouse’s life expectancy under the Single Life Table in Treasury Regulation
Section 1.401(a)(9)-9, beginning on the date the Participant or Retired Participant died or reached age 70-1/2); or 
  

	 	(B)	Lifetime Periodic Payments (Minimum Periodic Payments) 

  
 Under this option, the proceeds in the Participant’s, Retired Participant’s, or Spouse Beneficiary’s Before-Tax Account and Regular
Account will be paid out in monthly or annual periodic payments based on the actuarial life expectancies specified in the Joint and Last Survivor Tables in Treasury Regulation Section 1.401(a)(9)-9, recalculated annually, for the Participant,
Retired Participant or Spouse Beneficiary and an individual 10 years younger than the Participant, Retired Participant or Spouse Beneficiary (or, if the spouse of the Participant, Retired Participant or Spouse Beneficiary is more than 10 years
younger, the actual joint life expectancy, beginning with the month following that in which the Participant retires or that in which the Participant, Retired Participant, or Spouse Beneficiary elects periodic payout in lieu of deferral under Section
XVI.2(c), and ending (subject to amounts available in the account) in the month of notification to the Plan Administrator of the death of the Participant, Retired Participant, or Spouse Beneficiary. Upon the Participant’s or Retired
Participant’s death, any remainder shall be paid to the designated beneficiary(ies) in accordance with this Section except that a Spouse Beneficiary of a Participant or Retired Participant receiving Lifetime Periodic Payments under this Section
XVI.3.(a)(B) may continue receiving installments which shall be recalculated annually over the Spouse Beneficiary’s life expectancy determined in accordance with Treasury Regulation Section 1.401(a)(9) and the Single Life Table contained
in those regulations. 
  

	 	(C)	Fixed Payments 

  
 Under this option, the proceeds in the Participant, Retired Participant, or Spouse Beneficiary’s Before-Tax Account and Regular Account will be paid
out in a specified monthly or annual amount designated by the Participant, Retired Participant, or Spouse Beneficiary. The designated amount shall be paid on a monthly or annual basis beginning in the month following that in which the Participant
retires or that in which the Retired Participant, or Spouse Beneficiary elects the Fixed Payment option and end at such time as the account balance is zero. 
  

	 	(D)	Level Periodic Payments 

  
 Under this option, the proceeds in the Participant’s, Retired Participant’s, or Spouse Beneficiary’s Before-Tax Account and Regular
Account will be paid in equal monthly or annual payments calculated by amortizing the account balance over a number of years determined under the Single Life Table in Treasury Regulation Section 1.401(a)(9)-9 for such Participant, Retired
Participant, or Spouse Beneficiary or under the Joint and Last Survivor Table for the joint life and last survivor expectancy of such Participant, Retired Participant, or Spouse Beneficiary and an individual 10 years younger than the Participant,
Retired Participant or Spouse Beneficiary (or, if the spouse of the Participant, Retired Participant or Spouse Beneficiary is more than 10 years younger, the actual joint life expectancy) at reasonable interest determined on the date payments begin
by the Plan Administrator. 
  

	 	(b)	For subparagraphs (A) variable and (B) lifetime, each periodic payment during a calendar year (subject to amounts available in the account) shall be equal to the amount
determined by dividing the value of the account, at the payment commencement or the last recalculation date, by the number of months remaining in the term selected for payments under subparagraph (A), or in the life expectancy for payments under
subparagraph (B), except that the last payment in a term selected under subparagraph A will be adjusted if necessary to liquidate the account. A recalculation will be performed as of each December 31. 

  

	 	(c)	A Participant, Retired Participant or Spouse Beneficiary who elects periodic payments may make Fund Transfers in accordance with Section VIII.1 of this Plan.

  

	 	(d)	At any time during the periodic payout period, the Participant, Retired Participant, or Spouse Beneficiary may request distribution of the balance in his accounts. Such distribution
will be based on the value of the account as of the valuation date on which the request is made. During each calendar year of the periodic payout period, a Retired Participant or Spouse Beneficiary is also eligible to take up to three Withdrawals in
accordance with Section XIV. 

  

	 	(e)	If a Retired Participant receiving monthly periodic payments pursuant to this Paragraph is reemployed prior to April 1 of the calendar year following the calendar year in which
he attains age 70-1/2, periodic payments shall terminate. At the earlier of (i) his retirement again under Section IV. of the Company’s Pension and Retirement Plan or (ii) March 1 of the calendar year following the calendar year
in which he attains age 70-1/2, he shall designate any type of distribution of the balance in his accounts permitted under Paragraph 2 of this Section or this Paragraph 3. However, if the Retired Participant is reemployed (i) as a Limited
Service Employee as such term is defined in the Service Rules or (ii) after February 28 of the calendar year following the calendar year in which he attains age 70-1/2, periodic payments will continue; any increase in the balance in his
account(s) attributable to After-Tax, Before-Tax, or Company Contributions made after his reemployment will be distributed in accordance with Paragraph 2 of this Section when his service with the controlled group is again terminated.

  

	 	(f)	Notwithstanding any other provision of this Plan or election by a Participant, Retired Participant or Spouse Beneficiary to the contrary, distributions shall be made in such minimum
amounts and at such times as required by Code section 401 (a)(9) and all regulations thereunder. If no payment election has been received by the Plan Administrator at the time minimum distributions are required to be made, the Plan will commence
monthly payments under the lifetime periodic payments under Subparagraph (B). 

  

	 	(g)	A Participant, Former Participant, or Spouse Beneficiary who has received one or more periodic payments under the Lifetime, Variable, Fixed or Level Payments may revoke his prior
election no more than once a year and elect to receive his account balance in any other periodic payment options. 

  

	 	4.	Reenrollment in Plan 

  

	 	(a)	After Voluntary Termination 

  
 If a Participant terminates his participation in the Plan and remains employed, he shall immediately be eligible to participate in the Plan, except that
no Company Contributions will be made to the Participant’s accounts for any of the six months following the month of termination. Upon reenrollment he shall be entitled to credit for his years of participation subsequent to September 30,
1976. 
  

	 	(b)	After Reemployment 

  
 If a Participant who has, before January 1, 1985, (1) voluntarily terminated participation as described in Paragraph 4.(a) of this Section and
subsequently terminated service with the Company, or (2) had his participation terminated because his service with the Company was terminated, is reemployed, he shall immediately be eligible to participate in the Plan provided he is 

 

	 	(i)	reemployed during the same computation period in which his service terminated, or 

  

	 	(ii)	compensated with respect to more than 500 hours during the computation period in which his service is terminated and he is reemployed in the next succeeding computation period.

  
 If a Participant who has, after
December 31, 1984, (1) voluntarily terminated participation as described in Paragraph 4(a) of this Section and subsequently terminated service with the Company, or (2) had his participation terminated because his service with the
Company was terminated, is reemployed, he shall immediately be eligible to participate in the Plan. For purposes of the preceding sentence and Sections XVI.4.(c)(1) and XVI.4.(c)(2), absence from employment for the following reasons which commences
after December 31, 1984 shall be considered hours of service: 
  

	 	(i)	pregnancy or birth of a child of the individual, 

  

	 	(ii)	placement of a child with the individual in connection with its adoption by the individual; and 

  

	 	(iii)	caring for such child beginning immediately after such birth or placement. 

  
 No more than 501 hours shall be considered hours of service under the preceding sentence in connection with any pregnancy or placement. Upon
reenrollment, he shall be entitled to credit for his 
years of participation subsequent to September 30, 1976. In the case of a Participant who voluntarily terminated participation, no Company Contributions
will be made to the Participant’s accounts for any of the six months following the month of termination. 
  

	 	(c)	Buy-Back of Forfeitures 

  

	 	(1)	A Participant who reenrolls in the Plan as provided in (a) or (b) above, and who forfeited Company Contributions on account of his termination of participation in, and a
distribution from, the Plan, may repay at any time prior to termination of employment in a single cash payment an amount equal to the value of the distribution at the valuation date on which the withdrawal occurred. 

  

	 	(2)	A Participant who received a Withdrawal from his Regular Account or his Before-Tax Account, and who forfeited Company Contributions on account of such Withdrawal, but did not
terminate participation in the Plan, may repay in a single cash payment an amount equal to the value of either (i) the Withdrawal or (ii) the amount of Matched After-Tax and/or Matched Before-Tax Contributions withdrawn at the valuation
date on which the Withdrawal occurred. 

  

	 	(3)	A Participant who terminated participation after December 31, 1984, or who made a Withdrawal after December 31, 1984, in either case resulting in a forfeiture of Company
Contributions must make the repayment provided in (1) or (2) above in the case of a distribution on account of separation from service. 

  

	 	(4)	Upon repayment under (1) or (2) above, the dollar amount of the Company Contributions forfeited by the Participant will be restored to his Regular Account and allocated to
Funds B, C, D or E in whole multiples of one percent (1%) in accordance with the Participant’s authorization. The Participant shall authorize the Company to allocate the amount repaid to his Regular Account in Funds B, C, D or E in the
manner prescribed in Section VII.1. for allocating After Tax Contributions. All repaid amounts shall be identified as Unmatched After-Tax Contributions in the Participant’s accounts. 

  

	 	(5)	A Participant who terminates employment with the Company and does not receive a distribution from the Plan shall not have his unvested Company Contributions forfeited until he has
incurred five consecutive One-Year Breaks in Service commencing with his termination. 

  

	 	5.	Computation Period 

  
 For purposes of this Section, a computation period shall be a period of 12 consecutive months commencing the later of January 1, 1976, or the
employee’s date of employment or reemployment, whichever is applicable, or any succeeding anniversary of such date. 
  

	XVII. 	NONASSIGNMENT 

  
 Except as provided by Section 401(a)(13) of the Code, no assignment of the rights or interests of account holders under this Plan will be permitted
or recognized, nor shall such rights or interests be subject to attachment or other legal processes for debts. 
  

	XVIII. 	OPERATION OF THE PLAN AS A TOP-HEAVY PLAN 

  
 If it is determined that the Plan is a top-heavy plan, within the meaning of Section 416(g) of the Code, for any plan year, this Section will
supersede all other provisions to the contrary and apply for such plan year. 
  

	 	1.	Minimum Contributions 

  
 Contributions by the Company under the Plan on behalf of each Participant who has not separated from service at the end of the Plan year and who is a
non-key employee shall not be less than three percent (3%) of his Compensation. 
  

	 	2.	Definitions 

  
 For purposes of these top-heavy provisions, the following definitions shall apply: 
  

	 	(a)	Key employees and non-key employees. In determining which employees are key employees and which are non-key employees, the criteria set forth in Code Section 416 and the
regulations thereunder shall be applied. 

  

	 	(b)	Top-heavy ratio. The top-heavy ratio shall be computed in accordance with Code Section 416 and the regulations thereunder. 

  

	 	(c)	 Aggregation Group. For purposes of determining if the Plan is a top-heavy plan for a particular Plan year, each tax qualified plan of the Company in which a key
employee participates in the Plan year containing the determination date, or any of the four preceding Plan years, and each other tax qualified plan of the Company, which during 
this period, enables any plan, in which a key employee participates, to meet the requirements of Code Sections 401 (a)(4) or 410 shall be aggregated within
the required aggregation group. All other tax qualified plans which are not required to be aggregated under the preceding sentence but that satisfy the requirements of Code Sections 401(a)(4) and 4 10 when considered together with the required
aggregation group shall also be aggregated. 

  

	 	(d)	Determination Date. The determination date for any Plan year shall be September 30 of the preceding Plan year. 

  

	 	(e)	Valuation Date. The valuation date applicable to the determination date shall be September 30 of the preceding Plan year. 

  

	XIX. 	MISCELLANEOUS PROVISIONS 

  

	 	1.	Plan Administration 

  

	 	(a)	The Company shall have the authority to control and manage the operation and administration of the Plan and to designate one or more persons to carry out the responsibilities of the
operation and administration of the Plan. The named fiduciary for the investment aspects of the Plan is the Vice President, Pension Fund Investment; the named fiduciary for all other aspects of the Plan is the Director, Compensation and Benefits.
The named fiduciary for the investment aspects of the Plan may appoint an investment manager or managers to manage all or some of the assets invested in Fund B, and, by such appointment, unless specifically excluded in any agreement with such
investment manager, delegates to such investment manager or managers the power to appoint additional investment managers with respect to all or part of the assets managed by such investment manager. 

  

	 	(b)	All authorizations, designations and requests concerning the Plan shall be made by employees in the manner prescribed by the Company. 

  

	 	(c)	The Company, or its designee by written instrument, shall have the responsibility of appointing Trustees, as provided in Paragraph 1. (a) of Section X., Paragraph 1 of Section
XI. and Paragraph 1 of Section XII., and the Compensation and Benefits Committee, or its designee by written instrument, shall have the responsibility of making the designations called for pursuant Paragraph l.(b) of Section X.

  

	 	(d)	 The Company retains discretionary authority to determine eligibility for benefits hereunder and to construe the terms and conditions of the 
Plan. The decision of the Company shall be final with respect to any questions arising as to interpretation of this Plan. 

  

	 	(e)	E. I. du Pont de Nemours and Company is the Plan Administrator. 

  

	 	(f)	Subject to the requirements of the Code, the Company may authorize the Trustees of the Plan to accept a rollover of assets in cash, stock and/or promissory notes received in an
eligible rollover distribution from an eligible retirement plan as described in Code Sec. 402(c)(8)(B). Any stock received will be allocated to the corresponding Fund. The account holder shall designate the manner in which all other rollover
contributions to the Plan will be invested. All taxable amounts received will be treated as earnings in the Regular Account; non-taxable amounts received will be treated as After-Tax Contributions in the Regular Account. 

  

	 	(g)	A newly hired employee who has made a rollover contribution to the Plan in accordance with Subparagraph (f) who has not otherwise become a Participant of the Plan may make,
with respect to his rollover contribution, fund transfers in accordance with Section VIII. and withdrawals in accordance with Section XIV.; provided, however, that such employee shall not have a right to make Before-Tax Contributions, After-Tax
Contributions or have Company Contributions made on his behalf or institute loans until he has otherwise satisfied the requirements imposed by Section II. 

  

	 	(h)	Subject to the requirements of the Code, the Company may authorize the Trustees of the Plan to accept a trust-to-trust transfer of assets requested by a Participant, Retired
Participant or Spouse Beneficiary in cash, Company common stock and/or promissory notes received from a qualified defined contribution plan. The Company common stock shall be allocated to Regular Account Fund D. The account holder shall designate
the manner in which all other transferred contributions to the Plan will be invested. Taxable amounts received pursuant to this Section will be treated as Earnings in the Regular Account. Nontaxable amounts will be treated as Unmatched After-Tax
Contributions. 

  

	 	(i)	If a payment from the Plan is an eligible rollover distribution within the meaning of Section 401(f)(2)(A) of the Code, the Participant, Former Participant, Retired
Participant, Spouse Beneficiary or Alternate Payee may instruct the Plan Administrator to make a direct rollover of all or a portion of his distribution to an eligible retirement plan within the meaning of Section 402(c)(8)(B) of the Code. If
an eligible account holder elects not to make a direct rollover of all or any portion of an eligible rollover distribution, that portion shall be subject to the withholding specified in Section 3405 of the Code. 

  

	 	(j)	Overpayments of a distribution under this Plan shall be repaid within thirty (30) days after written demand is made for repayment by the Plan Administrator. In the event
repayment is not made either within thirty (30) days of such demand or in accordance with such terms as may be agreed to by the Plan Administrator, an amount, to the extent available, equivalent to the overpaid amount shall be deemed to have
been withdrawn by the account holder under Section XIV., XV. or XVI., whichever is applicable, and the limitation on the number of Withdrawals contained in Section XIV.1. shall not apply to such Withdrawal. Until any remaining overpaid amount is
repaid or restored, a Participant shall neither deposit After-Tax Contributions nor make Before-Tax Contributions, and Company Contributions shall be suspended. 

  

	 	(k)	Notwithstanding any other provision of the Plan, benefits under the Plan shall be limited as required by the Internal Revenue Code. 

  

	 	2.	Administrative Expense 

  

	 	(a)	Reasonable expenses of administering the Plan, including, but not limited to, record keeping expenses, trustee fees, and transactional costs shall, at the election of the Plan
Administrator, be paid by account holders. 

  

	 	(b)	Brokerage fees, transfer taxes, investment fees, wrap fees, rebalancing fees and other expenses incident to the purchase and sale of securities and other investments and incident to
the administration of Funds B, C, D, E and F shall be included in the cost of such securities or investments, or deducted from the net asset value of the fund, as the case may be. 

  

	 	(c)	Rebates of record keeping costs or other discounts in connection with investment vehicles available in the Plan shall be used to pay the reasonable administrative expenses of the
Plan. If such rebates are paid to the Plan, any excess remaining after reasonable administrative expenses have been paid shall be allocated equally among all account holders who have an account balance greater than zero on an allocation date chosen
by the Plan Administrator. 

  

	 	3.	Modification or Termination 

  
 The Company reserves the right to change or discontinue this Plan in its discretion by action of the Company or by written instrument executed by such
person or persons as the Company may designate; provided, however, any change which has the effect of reducing or terminating benefits under this Plan will not be effective until one year following announcement of such change by 
the Company, unless earlier change is required to comply with governmental regulations. In the event of the complete or partial termination of the Plan, or
complete discontinuance of Company Contributions under the Plan, distribution of full shares of Company common stock, and all cash balances including those resulting from the liquidation of Funds B, C, E and F will be made to the affected
Participants in accordance with Section XVI.4.(a). 
  

	 	4.	Transition to Amended Plan 

  
 Where an individual is in a bargaining unit represented by a union for collective bargaining, with which discussions have been had concerning this Plan as
last amended, the provisions of the amended Plan shall not become effective for such individual unless and until (i) such discussions or (ii) existing collective bargaining agreements result in favor of applicability of the amended Plan.
The terms of the Plan in effect immediately prior to the last amendment shall continue to apply to an individual so excluded unless and until discussions with the union representing his unit have concluded in favor of applicability to the unit of
the amended Plan or of other employee benefits in lieu thereof, or unless and until the individual is made eligible under the amended Plan by lawful unilateral action of the Company. 
  

	 	5.	Transfer of Assets 

  

	 	(a)	In the case of any merger or consolidation with, or transfer of assets or liabilities to, any other plan, each employee shall (if the Plan is then terminated) receive a benefit
immediately after the merger, consolidation, or transfer which is no less than the benefit to which he would have been entitled immediately before the merger, consolidation, or transfer (if the Plan had then terminated). 

  

	 	(b)	 In connection with an individual’s transfer of employment to an Affiliated Group Company or pursuant to such individual’s employment at Company request
with a partnership or joint venture in which the Company has an ownership interest, he may elect to have his account in this Plan transferred to the qualified profit-sharing plan of the company to which he was last transferred or of such partnership
or joint venture by which he was last employed. The transfer may be made in cash or in kind, whichever the Plan Administrator determines most appropriate under the circumstances. The balance in the individual’s Before-Tax Account will not be
transferred unless the plan to which it is to be transferred satisfies the requirements of Code Section 401 (k). The balance in his loan account (Fund L) will be transferred only if the trustee of the receiving plan will accept the promissory
note(s). Account balances to be transferred will be valued and transferred as soon as practicable following receipt by the Plan Administrator of proof satisfactory to the Plan Administrator that the 
Plan to which assets are being transferred is a tax-qualified plan under the Code. The individual may exercise this option at any time prior to termination
of employment with the Affiliated Group Company, partnership or joint venture. 

  

	 	(c)	In connection with the acquisition of a business or facility, or an individual’s transfer of employment from an Affiliated Group Company or an individual’s employment with
the Company immediately upon the termination of such individual’s employment, at Company request, from a partnership or joint venture in which the Company has an ownership interest, the Company, in its discretion, may direct the Trustee to
accept a transfer of assets. The Company may decide whether to permit a transfer of cash, in-kind assets, and/or promissory notes, which must be converted to promissory notes under this Plan. Cash received will be allocated to employees’
accounts based on the value on the date on which the transfer takes place. 

  
 For accounts transferred from a plan with identical investment options, assets held in those options shall be transferred in kind. 
  
 For accounts transferred from a plan without identical investments, transferred amounts will be invested as follows:

  

	 	i.	For an individual who is currently participating in this Plan and has elected the investment options in which his Plan account is invested, assets shall be invested according to
that election. 

  

	 	ii.	If the transferring individual has not made a proper investment election, assets transferred shall be invested in the Conservative Asset Allocation Fund. 

 
 Amounts received which were employee contributions will be treated as
Unmatched After-Tax Contributions; amounts which were before-tax contributions will be treated as Unmatched Before-Tax Contributions; amounts which were earnings on before-tax contributions will be treated as Earnings on Before-Tax Amounts and all
other amounts received will be treated as Earnings in the Regular Account. 
  

	 	(d)	In connection with the previous acquisition of a business or facility in which the seller agreed to later re-employ individuals who had become employees of the Company, the Company
may, in its discretion, direct the Trustee of the Plan to transfer account balances of Former Participants who are so re-employed to the trustee of the seller’s qualified defined contribution plan, provided the requirements of
Section 414(1) are satisfied. 

  

	 	(e)	Any benefits, rights or features required to be preserved with respect to assets transferred to the Plan through transfer or merger shall be preserved as described in Exhibit A.

  

	 	6.	No Guarantee of Security Values 

  
 The Company does not guarantee or represent in any way that the value of stocks and other assets in which the account holder has an interest will increase
or will not decrease. Each Participant assumes all risks in connection with any changes in the value of securities and other assets in the various Funds in which he may have an interest. 
  

	 	7.	Limitations on Annual Additions 

  
 This Plan provision supersedes any other Plan provision which would conflict with this one. 
  

	 	(a)	In no case may annual additions to a Participant’s account, determined on a calendar year basis, either solely under the Plan or under an aggregation of the Plan with all other
defined contribution plans maintained by the Corporate Employer, exceed the lesser of 100% of his Compensation or $40,000 (as adjusted in accordance with section 415(d) of the Code). For this purpose, “annual additions” are, for any year,
the sum of (1) contributions to a defined contribution plan on behalf of a Participant by the Corporate Employer, including deferrals under Code sec. 401(k), and (2) employee contributions; provided, however, that Annual Additions for any
Plan Year beginning before January 1, 1987, shall not be recomputed to treat all the employee’s contributions as Annual Additions. If the limitation in this paragraph would otherwise be exceeded, After-Tax and Before-Tax Contributions will
be returned or paid, and Company Contributions will be removed from the employee’s account and applied to reduce the subsequent contributions of the Company under the Plan, to the extent necessary, as determined by the Plan Administrator.

  

	 	(b)	From time to time, and at least annually, the level of participation in the Plan will be reviewed and, if necessary, the amount of After Tax and Before Tax Contributions which may
be elected in accordance with Paragraph 1 of Section IV. will be adjusted to assure that the Plan continues to satisfy Internal Revenue Service guidelines. 

  

	 	8.	Qualified Domestic Relations Orders 

  
 The Plan will make payment from an account holder’s Regular and/or Before-Tax Account as required by a qualified domestic relations order, as 
defined under Sec. 414(p) of the Code. Any amounts awarded to an alternate payee, prior to the death of the Participant, Former Participant or Retired
Participant pursuant to a domestic relations order determined by the Plan Administrator to be qualified shall be distributed within 90 days of such determination, unless the qualified domestic relations order specifies that the Alternate Payee shall
have an account in the Plan. No Loan, Withdrawal, or other action otherwise permissible pursuant to any provision of the Plan shall be taken which, in the opinion of the Plan Administrator, may be inconsistent with the provisions of a qualified
domestic relations order. 
  

	 	9.	Subsidiaries with No Defined Benefit Pension Plan 

  
 For purposes of Sections XVI.2(d), XVI.3(a)(i) and XVI.3(e) only, a Participant with at least 50 years of age and 15 years of service who voluntarily
terminates from a subsidiary that has no defined benefit pension plan shall be treated the same as a Participant who retired under Section IV. of the Company’s Pension and Retirement Plan. 
  

	 	10.	Normal Retirement Age and Years of Participation 

  
 Normal retirement age under the Plan is age 65. A Participant’s years of participation will include (1) his period of continuous participation
in the Plan immediately prior to January 1, 1976, and (2) any computation period during which an employee participates in the Plan and at the same time is compensated with respect to 1,000 or more hours or, if greater, the period of his
continuous participation after January 1, 1976. For determining years of participation, an employee will be treated as being compensated with respect to 190 hours for each month in which he is compensated with respect to at least one hour. In
the case of a reenrolled Participant, periods of participation prior to reenrollment will be recognized only as provided in Paragraph 6 of Section XVI. 
  

	 	11.	Compensation Taken into Account 

  
 The maximum amount of annual compensation of a Participant that shall be taken into account under this Plan for any year shall not exceed the amount
prescribed in Code Section 401 (a)(17). 
  

	 	12.	No Decrease of Accrued Benefit 

  
 No amendment to the Plan shall be effective to the extent it has the effect of decreasing a Participant’s accrued benefit. For purposes of this
paragraph, a Plan amendment which has the effect of decreasing the Participant’s account balance or eliminating an optional form of benefit, with respect to the 
benefits attributable to service before the amendment shall be treated as reducing an accrued benefit. 
  

	 	13.	Change to Vesting Schedule 

  
 If the Plan’s vesting schedule is amended, or the Plan is amended in any way that directly or indirectly affects the computation of the
Participant’s nonforfeitable percentage or if the Plan is deemed amended by an automatic change to or from a top-heavy vesting schedule, each Participant with at least three (3) Years of Service with the Employer may elect, within a
reasonable period after the adoption of the amendment or change, to have the nonforfeitable percentage computed under the Plan without regard to such amendment or change. For Participants who do not have at least one (1) Hour of Service in any
Plan Year beginning after December 31, 1998, the preceding sentence shall be applied by substituting “five (5) Years of Service” for “three (3) Years of Service” where such language appears. 
  
 The period during which the election may be made shall commence with the
date the amendment is adopted or deemed to be made and shall end on the latest of: 
  

	 	(1)	Sixty (60) days after the amendment is adopted; 

  

	 	(2)	Sixty (60) days after the amendment becomes effective; or 

  

	 	(3)	Sixty (60) days after the Participant is issued written notice of amendment by the Employer or Plan Administrator. 

  
 Furthermore, if the vesting schedule of a Plan is amended, in the case of an
Employee who is a Participant as of the later of the date such amendment is adopted or the date it becomes effective, the nonforfeitable percentage (determined as of such date) of such Employee’s right to his Employer-derived accrued benefit
will not be less than his percentage computer under the Plan without regard to such amendment. 
  

	 	14.	Definitions 

  
 The term “Affiliated Group” means the Controlled Group, but does not include any foreign subsidiary or any domestic subsidiary which derives in excess of 50% of its gross income for a taxable year
from sources without the United States (as defined in Section 7701(a.)(9) of the Code). 
  
 The term “Before-Tax Account” means the account in which a Participant’s Before-Tax Contributions and earnings thereon are maintained. 
  
 The term “Code” means the Internal Revenue Code of 1986, as
amended. 
  

 The term “Company” means E. I. du Pont de Nemours and Company, any subsidiary or part
thereof and any joint venture or partnership in which E. I. du Pont de Nemours and Company has an ownership interest, provided that such entity (1) adopts this Plan with the approval of the E. I. du Pont de Nemours and Company, or such person
or persons as the E. I. du Pont de Nemours and Company may designate and (2) agrees to make contributions in respect of any of its employees who become 
  
 The term “Compensation” shall mean the compensation of the Participant, as defined in Treasury Reg. 1.415-2(d), but including any
elective deferrals not includible in the gross income of the employee pursuant to Code Sections 125, 402(e)(3) or, for Plan Years beginning after December 31, 2000, Code Section 132(f)(4). The annual compensation of each Participant taken
into account for determining all benefits provided under the Plan for any determination period shall not exceed $200,000, for Plan Years after December 31, 1988, and shall not exceed $150,000 for Plan Years after December 31, 1993, as such
limit is adjusted by the Secretary as provided under Section 415(d) of the Code. If the period for determining compensation used in calculating an allocation for a determination period is a short Plan Year (i.e., shorter than 12 months), the
annual compensation limit is an amount equal to the otherwise applicable annual compensation limit multiplied by a fraction, the numerator of which is the number of months in the short Plan Year, and the denominator of which is 12. 
  
 The term “Controlled Group” means E. I. du Pont
de Nemours and Company and its controlled group of corporations within the meaning of Section 1 563(a) of the Code. 
  
 The term “Corporate Employer” shall mean the Controlled Group, as modified by Code Section 415(h). 
  
 The term “employee” 
  

	 	(1)	includes all employees of the Company; 

  

	 	(2)	includes U.S. citizens on leaves of absence granted under Section IV.1.(g) of the Service Rules, hired by the Company and subsequently employed by a foreign or domestic subsidiary
of the Company, who may be treated as employees of the Company under Section 406 or 407 of the Code; 

  

	 	(3)	includes a non-U.S. citizen on leave of absence granted under Section IV.l.(g) of the Service Rules, hired by the Company and subsequently employed by a member of the controlled
group; 

  

	 	(4)	excludes an individual who is on temporary assignment with the Company from a foreign affiliate of the Company; and 

  

	 	(5)	includes an individual who must be treated as an employee under Section 414(n) of the Code (a “Leased Employee”), but only to the extent required by that Code section
and final regulations thereunder. A Leased Employee shall be treated as an employee for purposes of determining Hours of Service for participation and nonforfeitability of benefits (in the event the individual becomes an employee without regard to
this paragraph). A Leased Employee shall be treated as an employee for purposes of the other requirements set out in Section 414(n)(3) of the Code. 

  
 The term “Former Participant” shall mean an individual who had been a Participant but who terminated his
service with the Company under circumstances described in Section XVI.4.(f)(i) or (ii). 
  
 The term “Gain-Sharing Program” shall mean a pay program that provides additional pay only if business objectives are exceeded. 
  
 The term “Highly Compensated Employee” shall mean an employee who: 
  

	 	(i)	was a five percent (5%) owner (as defined in Section 416(i)(1) of the Code) of the Employer during the Plan Year in question or the preceding Plan Year, or

  

	 	(ii)	for the calendar year ending in the Plan Year, received Compensation in excess of $80,000 and was in the top-paid group of employees (as defined in Section 414(q) of the Code).

  
 The $80,000 amount shall be automatically
adjusted if and to the extent the corresponding amount applicable under Section 414(q) is adjusted by the Secretary of the Treasury. 
  
 The term “Hour” means each hour for which an employee is compensated or entitled to compensation for the performance of duties and
includes each such hour for which back pay, irrespective of mitigation of damages, has been awarded or agreed to by the Company. An hour also includes each hour for which an employee is compensated or entitled to compensation due to vacation,
holiday, illness, incapacity (including disability), jury duty, military duty or leave of absence. No more than 501 hours shall be credited hereunder to any employee on account of any single continuous period during which no duties are performed
unless such period of compensation is taken into account in determining an employee’s length of continuous service under the Service Rules. Hours shall be credited to the period during which the duties are performed or to which the payment
relates and, in the case of a period where no duties are performed, shall be credited on the basis of the number of regularly scheduled working hours during the period. All hours shall be credited in conformance with Section 2530.200b-2(b) and
(c) of Department of Labor regulations, which is incorporated herein by reference. 
  

 The term “Matched Before-Tax” means Before-Tax Contributions on which related Company
Contributions are based. 
  
 The term “Matched
Regular” means After-Tax Contributions on which related Company Contributions are based and all After-Tax Contributions deposited in the Participant’s accounts prior to January 1, 1980. 
  
 The term “Monthly Pay” means the amount determined at the
beginning of each month based on a Participant’s Normal Annual Earnings. 
  
 The term “Normal Annual Earnings” means the employee’s regular rate of pay as computed by the Company on an annual basis without consideration of occasional or temporary variations from normal
working hours. For purposes of this Plan, “pay” shall not include (1) allowances in connection with transfer of employment or termination of employment and other special payments, or (2) awards, Variable Pay or payments under a
gain sharing program, the Special Compensation Plan, the Incentive Compensation Plan, the Stock Option Plan, the former Dividend Unit Plan, or similar plans of the Company or any of its affiliated companies. 
  
 The term “Participant” shall mean an employee of the
Company who is participating in this Plan in accordance with the terms of the Plan. 
  
 The term “Plan Year” means January 1 through December 31. Before January 1, 2005, “Plan Year” meant October 1 through September 30 and the short “Plan
Year” beginning October 1, 2004 and ending December 31, 2004. 
  
 The term “Regular Account” means the account in which a Participant’s After-Tax Contributions, Company Contributions, and earnings thereon are maintained. 
  
 The term “Required Beginning Date” for an individual who is
a “5% owner” as defined in Sections 401(a)(9) and 416 of the Code shall mean April 1 of the calendar year following the calendar year in which he attains 70  1/2, and for any other individual shall mean April 1 of the calendar year following the later of the calendar year in which he attains age 70  1/2 or retires. 
  
 The term “Retired Participant” shall mean such person who had been a Participant but who retired under
Section IV., XI.A.(I ) or XI.A.(2) of the Company’s Pension and Retirement Plan. 
  
 The term “Service Rules” means the Company’s Continuity of Service Rules. 
  
 The term “Settlement” means final valuation of an account holder’s accounts in preparation for distribution of the balance of his
accounts. 
  

 The term “Spouse Beneficiary” shall mean a spouse who is designated a primary
beneficiary of a Participant or Retired Participant in accordance with Section XVI.4.(c). 
  
 The term “Transfer” means transfer of Plan assets between or among the various Plan Funds in accordance with Section VIII. of the Plan. 
  
 The term “Unmatched After-Tax” means After-Tax
Contributions deposited in the Participant’s accounts after December 31, 1979, on which no related Company Contributions are based. 
  
 The term “Unmatched Before-Tax” means Before-Tax Contributions on which no related Company Contributions are based. 
  
 The term “Variable Pay” shall mean the variable payment
under a pay program that relates a portion of total pay to business objectives such that if objectives are met, targeted pay levels are reached; but if objectives are exceeded or are not met, pay is above or below targeted levels. 
  

	 	15.	Military Service 

  
 Notwithstanding any provision of this Plan to the contrary, contributions, benefits and service credit with respect to qualified military service will be
provided in accordance with section 414(u) of the Code. 
  

 EXHIBIT A 
  

RESERVED

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