Document:

EX-4.3

 Exhibit 4.3 
  

 

 
 PINNACLE ENTERTAINMENT, INC. 401(K) INVESTMENT
PLAN 
  
  
  

 Volume Submitter 401(k) Plan 

ADOPTION AGREEMENT #003 

VOLUME SUBMITTER 401(k) PLAN 

The undersigned Employer, by executing this Adoption Agreement, establishes a retirement plan and trust (collectively
“Plan”) under the Wells Fargo Bank, N.A. Defined Contribution Volume Submitter Plan and Trust (basic plan document #08). The Employer, subject to the Employer’s Adoption Agreement elections, adopts fully the Volume Submitter
Plan and Trust provisions. This Adoption Agreement, the basic plan document and any attached Appendices or agreements permitted or referenced therein, constitute the Employer’s entire plan and trust document. All “Election”
references within this Adoption Agreement are Adoption Agreement Elections. All “Article” or “Section” references are basic plan document references. Numbers in parentheses which follow election numbers are basic plan document
references. Where an Adoption Agreement election calls for the Employer to supply text, the Employer (without altering the content of any existing printed text) may lengthen any space or line, or create additional tiers. When Employer-supplied text uses terms substantially similar to existing printed options, all clarifications and caveats applicable to the printed options apply to the
Employer-supplied text unless the context requires otherwise. The Employer makes the following elections granted under the corresponding provisions of the basic plan document. 

ARTICLE I 
 DEFINITIONS

  

			
	 1.
	 	 EMPLOYER (1.24).

		
		 	 Name:  Pinnacle Entertainment,
Inc.                                         
                                         
                                         
                                         
         

		
		 	Address:  3980 Howard Hughes Pkwy., Las Vegas, Nevada
89169                                        
                                         
                                         
   
		
		 	 Phone number:  (702)
541-7777                                        
                               

		
		 	 Taxpayer Identification Number (TIN):
 95-3667491                                     

		
		 	 E-mail (optional):
                                         
                                         
          

		
		 	 Employer’s Taxable Year (optional):
 December 31                                     
  

		
	 2.
	 	 PLAN (1.42).

		
		 	 Name:  Pinnacle Entertainment, Inc. 401(k) Investment
Plan                                         
                                         
                                         
           

		
		 	 Plan number:
 003                                       
                                         
              (3-digit number for Form 5500 reporting)

		
		 	 Trust EIN (optional):
                                         
                                         
     

 3.    PLAN/LIMITATION YEAR (1.44/1.34). Plan Year and Limitation Year mean
the 12 consecutive month period (except for a short Plan/Limitation Year) ending every: 
 [Note: Complete any applicable blanks under
Election 3 with a specific date, e.g., June 30 OR the last day of February OR the first Tuesday in January. In the case of a Short Plan Year or a Short Limitation Year, include the year, e.g., May 1, 2014.] 

 

					
	 Plan Year (Choose one of (a) or (b). Choose (c) if applicable.):

			
	 (a)
	 	 [X]
	 	 December 31.

			
	 (b)
	 	 [   ]
	 	 Fiscal Plan Year: ending:
                                         
               .

			
	 (c)
	 	 [   ] 
	 	 Short Plan Year: commencing:
                                         
                    and ending:
                                        
.

	
	 Limitation Year (Choose one of (d) or (e). Choose (f) if applicable.):

			
	 (d)
	 	 [X]
	 	 Generally same as Plan Year. The Limitation Year is the same as the Plan Year except where the Plan Year is a short
year in which event the Limitation Year is always a 12 month period, unless the short Plan Year (and short Limitation Year) result from a Plan amendment.

			
	 (e)
	 	 [   ] 
	 	 Different Limitation Year: ending:
                                         
                   .

			
	 (f)
	 	 [   ] 
	 	 Short Limitation Year: commencing:
                                         
                      and ending:
                                         
   .

 4.    EFFECTIVE DATE (1.20). The Employer’s adoption of the Plan is a
(Choose one of (a) or (b). Complete (c) if new plan OR complete (c) and (d) if an amendment and restatement. Choose (e) and (f) if applicable.): 
  

							
	 (a)
	 	 [   ] 
	 	 New Plan.

			
	 (b)
	 	 [X]
	 	 Restated Plan.

		
		 	 PPA RESTATEMENT (leave blank if not applicable)

				
		 	 (1)
	 	 [X]
	 	 This is an amendment and restatement to bring a plan into compliance with the Pension Protection Act of 2006
(“PPA”) and other legislative and regulatory changes.

	
	 Initial Effective Date of Plan (enter date) 

			
	 (c)
	 	 [X]
	 	   April 1, 1990   (hereinafter called the “Effective Date” unless 4(d) is
entered below)

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 1 

 Volume Submitter 401(k) Plan 

 

 Restatement Effective Date (If this is an amendment and restatement, enter effective
date of the restatement.) 
  

					
	 (d)
	 	 [X]
	 	   January 1, 2016   (enter month day, year; may enter a restatement date that is the first day of
the current Plan Year. The Plan contains appropriate retroactive effective dates with respect to provisions for the appropriate laws if the Plan is a PPA Restatement.) (hereinafter called the “Effective Date”)

 [Note: See Section 1.54 for the definition of Restated Plan. If this Plan is a PPA Restatement, the
PPA restatement Effective Date may be a current date (as the basic plan document supplies the Effective Dates of various PPA and other provisions) or may be a retroactive date. If specific Plan provisions, as reflected in this Adoption Agreement and
the basic plan documents, do not have the Effective Date stated in this Election 4, indicate as such in the election where called for or in Appendix A.] 
  

							
	 (e)
	 	 [   ] 
	 	 Restatement of surviving and merging plans. The Plan restates two (or more) plans (Complete 4(c) and
(d) above for this (surviving) Plan. Complete (1) below for the merging plan. Choose (2) if applicable. Unless otherwise noted, the restated Effective Date with regard to a merging plan is the later of the date of the merger or the
restated Effective Date of this Plan.):

			
		 	 (1)
	 	 Merging plan. The
                                         
                                        Plan was or
will be merged into this surviving Plan as of:
                                        .
The merging plan’s restated Effective Date is:
                                        .
The merging plan’s original Effective Date was:
                                        
.

 [See the Note under Election 4(d) if this document is the merging plan’s PPA restatement.] 

 

							
		 	 (2)
	 	 [   ] 
	 	 Additional merging plans. The following additional plans were or will be merged into this surviving Plan (Complete
a. and b. as applicable.):

  

											
	 	    	 Name of merging plan
	    	 Merger date
	    	 Restated

Effective Date
	    	 Original

Effective Date
	 	 
						
	 a.
	    	  
	    	  
	    	  
	    	  
	 	
						
	 b.
	    	  
	    	  
	    	  
	    	  
	 	

  

					
	 (f)
	 	 [   ] 
	 	 Special Effective Date for Elective Deferral
provisions:                                       
                                         
                                         
                        

 [Note: If Elective Deferral provision is not effective as of the Initial Effective Date or the Restatement
Effective Date, enter the date as of which the Elective Deferral provision is effective. The Special Effective Date may not precede the date on which the Employer adopted the Plan.] 

5.    TRUSTEE (1.67). The Trustee executing this Adoption Agreement is (Choose one or more of (a), (b), or
(c). Choose (d) or (e) if applicable.): 
  

					
	 (a)
	 	 [   ] 
	 	 A discretionary Trustee. See Section 8.02(A).

			
	 (b)
	 	 [X]
	 	 A nondiscretionary (directed) Trustee or Custodian. See Section 8.02(B).

			
	 (c)
	 	 [   ] 
	 	 A Trustee under the:
                                        
 (specify name of trust), a separate trust agreement the Trustee has executed and that the IRS has approved for use with this Plan. Under this Election 5(c) the Trustee is not executing the Adoption Agreement and Article VIII of the
basic plan document does not apply, except as indicated otherwise in the separate trust agreement. See Section 8.11(C).

			
	 (d)
	 	 [   ] 
	 	 Permitted Trust amendments apply. Under Section 8.11(B) the Employer has made certain permitted amendments to the
Trust. Such amendments do not constitute a separate trust under Election 5(c). See Election 59 in Appendix C.

			
	 (e)
	 	 [   ] 
	 	 Use of non-approved trust. A Trustee under the:
                                        
 (specify name of trust), a separate trust agreement the Trustee has executed for use with this Plan. Under this Election 5(e) the Trustee is not executing the Adoption Agreement and Article VIII of the basic plan document does not
apply, except as indicated otherwise in the separate trust agreement. See Section 8.11(C). [Caution: Election 5(e) will result in the Plan losing reliance on its Advisory Letter and the Plan will be an individually designed
plan.]

 6.    CONTRIBUTION TYPES (1.12). The selections made below should correspond
with the selections made under Article III of this Adoption Agreement. (If this is a frozen Plan (i.e., all contributions have ceased), choose (a) only.): 

Frozen Plan. See Sections 3.01(J) and 11.04. 
  

							
	 (a)
	 	 [   ] 
	 	 Contributions cease. All Contributions have ceased or will cease (Plan is frozen).

				
		 	 (1)
	 	 [   ] 
	 	 Effective date of freeze:
                                        
 [Note: Effective date is optional unless this is the amendment or restatement to freeze the Plan.]

 [Note: Elections 20 through 30 and Elections 36 through 38 do not apply to any Plan Year in which the Plan
is frozen.] 
 Contributions. The Employer and/or Participants, in accordance with the Plan terms, make the following
Contribution Types to the Plan/Trust (Choose one or more of (b) through (h).): 
  

							
	 (b)
	 	 [X]
	 	 Pre-Tax Deferrals. See Section 3.02 and Elections 20-23, and 34.

				
		 	 (1)
	 	 [   ] 
	 	 Roth Deferrals. See Section 3.02(E) and Elections 20, 21, and 23. [Note: The Employer may not limit Elective
Deferrals to Roth Deferrals only.]

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 2 

 Volume Submitter 401(k) Plan 

 

					
	 (c)
	 	 [X]
	 	 Matching. See Sections 1.35 and 3.03 and Elections 24-26. [Note: The Employer may make an Operational QMAC without
electing 6(c). See Section 3.03(C)(2). Do not elect for a safe harbor plan; use 6(e) instead.]

			
	 (d)
	 	 [X]
	 	 Nonelective. See Sections 1.38 and 3.04 and Elections 27-29. [Note: The Employer may make an Operational QNEC
without electing 6(d). See Section 3.04(C)(2).]

			
	 (e)
	 	 [   ] 
	 	 Safe Harbor/Additional Matching. The Plan is (or pursuant to a delayed election, may be) a safe harbor 401(k) Plan.
The Employer will make (or under a delayed election, may make) Safe Harbor Contributions as it elects in Election 30. The Employer may or may not make Additional Matching Contributions as it elects in Election 30. See Election 26 as to matching
Catch-Up Deferrals. See Section 3.05.

			
	 (f)
	 	 [   ] 
	 	 Employee (after-tax). See Section 3.09 and Election 36.

			
	 (g)
	 	 [   ] 
	 	 SIMPLE 401(k). The Plan is a SIMPLE 401(k) Plan. See Section 3.10. [Note: The Employer electing 6(g) must elect a
calendar year under 3(a) and may not elect any other Contribution Types except under Elections 6(b) and 6(h).]

			
	 (h)
	 	 [   ] 
	 	 Designated IRA. See Section 3.12 and Election 37.

		
	 7.
	 	 DISABILITY (1.16). Disability means (Choose one of (a) or (b).):

			
	 (a)
	 	 [   ] 
	 	 Basic Plan. Disability as defined in Section 1.16(A).

			
	 (b)
	 	 [X]
	 	 Describe:  an individual is considered Disabled for purposes of applying the provisions of this Plan if the
individual is unable to engage in any substantial gainful activity by reason of a medically determinable physical or mental impairment that can be expected to result in death or which has lasted or can be expected to last for a continuous period of
not less than 12 months. The permanence and degree of such impairment shall be supported by medical evidence. The Plan Administrator may establish reasonable procedures for determining whether a Participant is
Disabled.                                        
                                         
                                         
                                         
 

 [Note: The Employer may elect an alternative definition of Disability for purposes of Plan distributions.
However, the use of an alternative definition may result in loss of favorable tax treatment of the Disability distribution.] 

8.    EXCLUDED EMPLOYEES (1.22(D)). The following Employees are not Eligible Employees but are Excluded
Employees (Choose one of (a), (b), or (c).): 
 [Note: Regardless of the Employer’s elections under Election 8: (i) Employees
of any Related Employers (excluding the Signatory Employer) are Excluded Employees unless the Related Employer becomes a Participating Employer; and (ii) Reclassified Employees and Leased Employees are Excluded Employees unless the Employer
in Appendix B elects otherwise. See Sections 1.22(B), 1.22(D)(3), and 1.24(D). However, in the case of a Multiple Employer Plan, see Section 12.02(B) as to the Employees of the Lead Employer.] 

 

					
	 (a)
	 	 [   ] 
	 	 No Excluded Employees. There are no additional excluded Employees under the Plan as to any Contribution Type (skip
to Election 9).

			
	 (b)
	 	 [X]
	 	 Exclusions - same for all Contribution Types. The following Employees are Excluded Employees for all Contribution
Types (Choose one or more of (e) through (j). Choose column (1) for each exclusion elected at (e) through (i).):

			
	 (c)
	 	 [   ] 
	 	 Exclusions - different exclusions apply. The following Employees are Excluded Employees for the designated
Contribution Type (Choose one or more of (d) through (j). Choose Contribution Type as applicable.):

 [Note: For this Election 8, unless described otherwise in Election 8(j), Elective Deferrals includes
Pre-Tax Deferrals, Roth Deferrals, Employee Contributions and Safe Harbor Contributions. Matching includes all Matching Contributions except Safe Harbor Matching Contributions. Nonelective
includes all Nonelective Contributions except Safe Harbor Nonelective Contributions.] 
  

															
	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	  	All	 	 	  	Elective	  	 	  	 
	Exclusions	  	Contributions	 	 	  	    Deferrals    	  	    Matching    	  	    Nonelective    
								
	 (d)
	 	 [   ] 
	 	 No exclusions. No exclusions as to the designated Contribution Type.
	  	 N/A

(See Election 8(a))
	 		  	[   ] 	  	[   ] 	  	[   ] 
								
	 (e)
	 	 [X]
	 	 Collective Bargaining (union) Employees. As described in Code §410(b)(3)(A). See Section
1.22(D)(1).
	  	[X]	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (f)
	 	 [X]
	 	 Non-Resident Aliens. As described in Code §410(b)(3)(C). See Section 1.22(D)(2).
	  	[X]	 	OR	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (g)
	 	 [   ] 
	 	 HCEs. See Section 1.22(E). See Election 30(f) as to exclusion of some or all HCEs from Safe Harbor
Contributions.
	  	[   ] 	 	OR	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (h)
	 	 [   ] 
	 	 Hourly paid Employees.
	  	[   ] 	 	OR	  	[   ] 	  	[   ] 	  	[   ] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 3 

 Volume Submitter 401(k) Plan 

 

															
								
	 (i)
	 	 [   ] 
	 	 Part-Time/Temporary/Seasonal Employees.
	  	[   ] 	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
		 		 	 See Section 1.22(D)(4). A Part-Time, Temporary or Seasonal Employee is an Employee whose regularly scheduled Service is less
than              (specify a maximum of 1,000) Hours of Service in the relevant Eligibility Computation Period.

[Note: The “relevant” Eligibility Computation Period is the Initial or Subsequent Eligibility Computation Period as
defined in Section 2.02(C).]
	  		 		  		  		  	

 [Note: If the Employer under Election 8(i) elects to treat
Part-Time, Temporary and Seasonal Employees as Excluded Employees and any such an Employee actually completes at least 1,000 Hours of Service during the relevant Eligibility Computation Period,
the Employee becomes an Eligible Employee. See Section 1.22(D)(4).] 
  

					
	 (j)
	 	 [X]
	 	 Describe exclusion category and/or Contribution Type:   For all contributions, exclude the following
employees: On-Call/Temporary/Seasonal Employees (unless they complete 1,000 Hours of Service during the year); Reclassified Employees, Leased Employees, and Independent Contractors regardless of hours worked. Notwithstanding the general exclusion of
Union employees, union employees will be eligible to participate in the plan in accordance with the applicable terms of any collective bargaining
agreements.                                      
                                      

(e.g., Exclude Division B Employees OR Exclude salaried Employees from Discretionary Matching Contributions.)

 [Note: Any exclusion under Election 8(j), except as to
Part-Time/Temporary/Seasonal Employees, may not be based on age or Service or level of Compensation. See Election 14 for eligibility conditions based on age or Service. The exclusions
entered under Election 8(j) cannot result in the group of Nonhighly Compensated Employees (NHCEs) participating under the plan being only those NHCEs with the lowest amount of compensation and/or the shortest periods of service and
who may represent the minimum number of these employees necessary to satisfy coverage under Code §410(b).] 

9.    COMPENSATION (1.11(B)). The following base Compensation (as adjusted under Elections 10 and 11) applies
in allocating Employer Contributions (or the designated Contribution Type) (Choose one or more of (a) through (d) and choose Contribution Type as applicable. Choose (e) if applicable.): 

[Note: For this Election 9 all definitions include Elective Deferrals unless excluded under Election 11. See Section
1.11(D). Unless described otherwise in Election 9(d), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions. In
applying any Plan definition which references Section 1.11 Compensation, where the Employer in this Election 9 elects more than one Compensation definition for allocation purposes, the Plan Administrator will use W-2 Wages for other Plan definitions of Compensation if the Employer has elected W-2 Wages for any Contribution Type or Participant group under Election 9.
If the Employer has not elected W-2 Wages, the Plan Administrator for such other Plan definitions will use 415 Compensation. If the Plan is a Multiple Employer Plan, see Section 12.07. Election
9(d) below may cause allocation Compensation to fail to be nondiscriminatory under Treas. Reg. §1.414(s).] 
  

															
	 	 	 	 	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	 	 	 	 	  	All	 	 	  	Elective	  	 	  	 
	 	 	 	 	 	  	Contributions	 	 	  	    Deferrals    	  	    Matching    	  	    Nonelective    
								
	 (a)
	 	 [   ] 
	 	 W-2 Wages (plus Elective Deferrals).
	  	[   ] 	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
		 		 	 See Section 1.11(B)(1).
	  		 		  		  		  	
								
	 (b)
	 	 [   ] 
	 	 Code §3401 Federal Income Tax

Withholding Wages (plus Elective Deferrals).

See Section 1.11(B)(2).
	  	[   ] 	 	OR	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (c)
	 	 [X]
	 	 415 Compensation (simplified).
	  	[X]	 	OR	  	[   ] 	  	[   ] 	  	[   ] 
		 		 	 See Section 1.11(B)(3).
	  		 		  		  		  	
		 		 	 [Note: The Employer may elect an alternative “general 415 Compensation”
definition by electing 9(c) and by electing the alternative definition in Appendix B. See Section 1.11(B)(4).]
	  		 		  		  		  	
			
	 (d)
	 	 [   ] 
	 	 Describe Compensation by Contribution Type or by Participant
group:                                        
                                         
                            

 [Note: Under Election 9(d), the Employer may: (i) elect Compensation from the elections available under
Elections 9(a), (b), or (c), or a combination thereof as to a Participant group (e.g., W-2 Wages for Matching Contributions for Division A Employees and 415 Compensation in all other cases); and/or (ii) define the Contribution Type column
headings in a manner which differs from the “all-inclusive” description in the Note immediately preceding Election 9(a) (e.g., Compensation for Safe Harbor Matching Contributions means
W-2 Wages and for Additional Matching Contributions means 415 Compensation).] 
  

															
	 (e)
	 	 [   ] 
	 	 Allocate based on specified 12-month period.
	  	[   ] 	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
		 		 	 The allocation of all Contribution Types (or specified Contribution Types) will be made based on
Compensation within a specified 12-month period ending within the Plan Year as follows:
	  		 		  		  		  	
		 		 	
                    
                                         
                           .
	  		 		  		  		  	

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 4 

 Volume Submitter 401(k) Plan 

 

10.    
PRE-ENTRY/POST-SEVERANCE COMPENSATION (1.11(H)/(I)). Compensation under Election 9: 

[Note: For this Election 10, unless described otherwise in Elections 10(c) or (n), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions. Election 10(c) below may cause allocation Compensation
to fail to be nondiscriminatory under Treas. Reg. §1.414(s).] 
  

															
	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	  	All	 	 	  	Elective	  	 	  	 
	Pre-Entry Compensation (Choose one of (a) or (b). 	  	Contributions	 	 	  	    Deferrals    	  	    Matching    	  	    Nonelective    
	 Choose Contribution Type as applicable.):
	  		 		  		  		  	
								
	 (a)
	 	 [   ] 
	 	 Plan Year. Compensation for the entire Plan Year which includes the Participant’s Entry Date. [Note:
If the Employer under Election 9(e) elects to allocate some or all Contribution Types based on a specified 12-month period, Election 10(a) applies to that 12-month period in lieu of the Plan Year.]
	  	[   ] 	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (b)
	 	 [X]
	 	 Participating Compensation. Only Participating Compensation. See Section 1.11(H)(1).
	  	[X]	 	OR	  	[   ] 	  	[   ] 	  	[   ] 

 [Note: Under a Participating Compensation election, in applying any Adoption Agreement elected contribution
limit or formula, the Plan Administrator will count only the Participant’s Participating Compensation. See Section 1.11(H)(1) as to plan disaggregation.] 
  

					
	 (c)
	 	 [   ] 
	 	 Describe Pre-Entry Compensation by Contribution Type or by Participant
group:                                        
                                         
  

 [Note: Under Election 10(c), the Employer may: (i) elect Compensation from the elections available under
Pre-Entry Compensation or a combination thereof as to a Participant group (e.g., Participating Compensation for all Contribution Types as to Division A Employees, Plan Year Compensation for all Contribution Types to Division B Employees); and/or
(ii) define the Contribution Type column headings in a manner which differs from the “all-inclusive” description in the Note immediately preceding Pre-Entry Compensation (e.g., Compensation for Nonelective Contributions is Participating Compensation and for Safe Harbor Nonelective Contributions is Plan Year Compensation).] 

Post-Severance Compensation. The following adjustments apply to Post-Severance Compensation paid within any applicable time period as may be required (Choose one of (d), (e), or (f).): 

[Note: Under the basic plan document, if the Employer does not elect any adjustments,
post-severance compensation includes regular pay, leave cashouts, and deferred compensation, and excludes military and disability continuation payments.] 

 

					
	 (d)
	 	 [X]
	 	 None. The Plan includes post-severance regular pay, leave cashouts, and deferred compensation, and excludes
post-severance military and disability continuation payments as to any Contribution Type except as required under the basic plan document (skip to Election 11). 

			
	 (e)
	 	 [   ] 
	 	 Same for all Contribution Types. The following adjustments to Post-Severance Compensation apply to all Contribution
Types (Choose one or more of (h) through (n). Choose column (1) for each option elected at (h) through (m).):

			
	 (f)
	 	 [   ] 
	 	 Adjustments - different conditions apply. The following adjustments to Post-Severance Compensation apply to the
designated Contribution Types (Choose one or more of (g) through (n). Choose Contribution Type as applicable.):

  

															
	 	 	 	 	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	 	 	 	 	  	All	 	 	  	Elective	  	 	  	 
	Post-Severance Compensation:	  	Contributions	 	 	  	    Deferrals    	  	    Matching    	  	    Nonelective    
								
	 (g)
	 	 [   ] 
	 	 None. The Plan takes into account Post-Severance Compensation as to the designated Contribution Types as
specified under the basic plan document.
	  	 N/A

(See Election 10(d))
	 		  	[   ] 	  	[   ] 	  	[   ] 
								
	 (h)
	 	 [   ] 
	 	 Exclude All. Exclude all Post-Severance Compensation. [Note: 415 testing Compensation (versus
allocation Compensation) must include Post-Severance Compensation comprised of regular pay. See Section 4.05(F).]
	  	[   ] 	 	  OR  	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (i)
	 	 [   ] 
	 	 Regular Pay. Exclude Post-Severance Compensation comprised of regular pay. See Section 1.11(I)(1)(a). [Note:
415 testing Compensation (versus allocation Compensation) must include Post-Severance Compensation comprised of regular pay. See Section 4.05(F).]
	  	[   ] 	 	OR	  	[   ] 	  	[   ] 	  	[   ] 
								
	 (j)
	 	 [   ] 
	 	 Leave cash-out. Exclude Post-Severance
	  	[   ] 	 	OR	  	[   ] 	  	[   ] 	  	[   ] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 5 

 Volume Submitter 401(k) Plan 

 

																			
		 		 	 Compensation comprised of leave cash-out. See Section 1.11(I)(1)(b).
	 		 		 		 		 		 	
									
	 (k)
	 	 [   ]
	 	 Deferred Compensation. Exclude Post-Severance Compensation comprised of deferred compensation. See
Section 1.11(I)(1)(c).
	 		 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	 (l)
	 	 [   ]
	 	Salary continuation for military service. Include Post-Severance Compensation comprised of salary continuation for military service. See Section 1.11(I)(2).	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
									
	 (m)
	 	 [   ]
	 	Salary continuation for disabled Participants. Include Post-Severance Compensation comprised of salary continuation for disabled Participants. See Section 1.11(I)(3). (Choose one of (1) or (2).):	 		 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
										
		 	 (1)
	 	 [   ]
	 	 For NHCEs only.
	 		 		 		 		 		 	
									
		 	 (2)
	 	 [   ]
	 	 For all Participants. The salary continuation will continue for the following fixed or determinable
period:                                      (specify
period).
	 		 		 		 		 	
			
	 (n)
	 	 [   ]
	 	Describe Post-Severance Compensation by Contribution Type or by Participant group:
                                         
                                     

 [Note: Under Election 10(n), the Employer may: (i) elect Compensation from the elections available under
Post-Severance Compensation or a combination thereof as to a Participant group (e.g., Include regular pay Post-Severance Compensation for all Contribution Types as to Division A Employees, no Post-Severance Compensation for all Contribution Types to
Division B Employees); and/or (ii) define the Contribution Type column headings in a manner which differs from the “all-inclusive” description in the Note immediately preceding
Pre-Entry Compensation (e.g., Compensation for Nonelective Contributions does not include any Post-Severance Compensation and for Safe Harbor
Nonelective Contributions includes regular pay Post-Severance Compensation).] 
  

					
	 11.
	 	 EXCLUDED COMPENSATION (1.11(G)). Apply the following Compensation exclusions to Elections 9 and 10
(Choose one of (a), (b), or (c).):

			
	 (a)
	 	 [   ]
	 	 No exclusions. Compensation as to all Contribution Types means Compensation as elected in Elections 9 and 10 (skip
to Election 12).

			
	 (b)
	 	 [X]
	 	 Exclusions - same for all Contribution Types. The following exclusions apply to all Contribution Types (Choose one
or more of (e) through (l). Choose column (1) for each option elected at (e) through (k).):

			
	 (c)
	 	 [   ]
	 	 Exclusions - different conditions apply. The following exclusions apply for the designated Contribution Types
(Choose one or more of (d) through (l) below. Choose Contribution Type as applicable.):

 [Note: In a safe harbor 401(k) plan, allocations qualifying for the ADP or ACP test safe harbors must be
based on a nondiscriminatory definition of Compensation. If the Plan applies permitted disparity, allocations also must be based on a nondiscriminatory definition of Compensation if the Plan is to avoid more complex testing. Elections 11(g) through
(l) below may cause allocation Compensation to fail to be nondiscriminatory under Treas. Reg. §1.414(s). In a non-safe harbor 401(k) plan, Elections 11(g) through (l) which result in Compensation failing to be nondiscriminatory, may result in
more complex nondiscrimination testing. For this Election 11, unless described otherwise in Election 11(l), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals and Employee
Contributions, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions.] 
  

																	
	 	 	 	 	 	 	 	 	(1)	 	 	 	(2)	 	(3)	 	(4)
	 	 	 	 	 	 	 	 	All	 	 	 	Elective	 	 	 	 
	Compensation Exclusions	 	Contributions	 	 	 	Deferrals	 	Matching	 	Nonelective
								
	 (d)
	 	 [   ]
	 	No exclusions - limited. No exclusion as to
the designated Contribution Type(s).	 	 N/A 

(See Election 11(a))
	 		 	[   ]	 	[   ]	 	[   ]
								
	 (e)
	 	 [   ]
	 	Elective Deferrals. See Section 1.21.	 	N/A	 		 	N/A	 	[   ]	 	[   ]
								
	 (f)
	 	 [X]
	 	 Fringe benefits. As described in Treas.

Reg. §1.414(s)-1(c)(3).
	 	[X]	 	    OR	 	[   ]	 	[   ]	 	[   ]
								
	 (g)
	 	 [   ]
	 	Compensation exceeding $          .	 	[   ]	 	    OR	 	[   ]	 	[   ]	 	[   ]
		 		 	 Apply this election to (Choose one of (1) or (2).):
	 		 		 		 		 	
									
		 	 (1)
	 	 [   ]
	 	All Participants.	 		 		 		 		 	
		 		 	 [Note: If the Employer elects Safe Harbor Contributions under Election 6(e), the Employer may not
elect 11(g)(1) to limit the Safe Harbor Contribution allocation to the NHCEs.]
	 		 		 		 		 	
									
		 	 (2)
	 	 [   ]
	 	HCE Participants only.	 		 		 		 		 	
								
	 (h)
	 	 [X]
	 	 Bonus.
	 	[X]	 	    OR	 	[   ]	 	[   ]	 	[   ]

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 6 

 Volume Submitter 401(k) Plan 

 

																	
								
	 (i)
	 	 [   ]
	 	 Commission.
	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	 (j)
	 	 [   ]
	 	 Overtime.
	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	 (k)
	 	 [   ]
	 	 Related Employers. See Section 1.24(C).
	 		 		 		 		 	
		 		 	(If there are Related Employers, choose one or both of (1) and (2).):	 		 		 		 		 	
									
		 	 (1)
	 	 [   ]
	 	Non-Participating. Compensation paid to Employees by a Related Employer that is not a Participating Employer.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
									
		 	 (2)
	 	 [   ]
	 	Participating. As to the Employees of any Participating Employer, Compensation paid by any other Participating Employer to its Employees. See Election 28(g)(2)a.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]

 (l)    [X]    Describe Compensation exclusion(s):
  Distributions from the Employer’s Nonqualified Deferred Compensation Plan, all expense reimbursement, payments, or allowances, taxable fringe benefits, prizes and awards, welfare benefits, cashed out PTO for active employees and
at termination of employment, severance pay, and taxable life insurance coverage. Compensation also includes salary reduction contributions to the Employer’s 401(k) Plan, Nonqualified Deferred Compensation Plan, and Flexible Benefit Plan, and
Cashed out PTO for active employees on
leave.                                        
                                         
  
 [Note: Under Election 11(l), the Employer may: (i) describe Compensation from the elections available under Elections 11(d)
through (k), or a combination thereof as to a Participant group (e.g., No exclusions as to Division A Employees and exclude bonus as to Division B Employees); (ii) define the Contribution Type column headings in a manner which differs from the
“all-inclusive” description in the Note immediately following Election 11(c) (e.g., Elective Deferrals means §125 cafeteria deferrals only OR No exclusions as to Safe Harbor
Contributions and exclude bonus as to Nonelective Contributions); and/or (iii) describe another exclusion (e.g., Exclude shift differential pay).] 

12.    HOURS OF SERVICE (1.32). The Plan credits Hours of Service for the following purposes (and to the
Employees described in Elections 12(d) or (e)) as follows (Choose one or more of (a) through (e) as applicable.): 
  

																	
	 	 	 	 	 	 	 	 	(1)	 	 	 	(2)	 	(3)	 	(4)
	 	 	 	 	 	 	 	 	All	 	 	 	 	 	 	 	Allocation
	 	 	 	 	 	 	 	 	    Purposes    	 	 	 	      Eligibility      	 	      Vesting      	 	    Conditions    
									
	 (a)  
	 	 [X]    
	 	 Actual Method. See Section 1.32(A)(1).
	 		 	[   ]	 	        OR        	 	[X]	 	[X]	 	[   ]
									
	 (b)
	 	 [   ]
	 	 Equivalency Method:
                                         
 
	 		 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
		 		 	 (e.g., daily, weekly, etc.). See Section 1.32(A)(2).
	 		 		 		 		 		 	
									
	 (c)
	 	 [   ]
	 	 Elapsed Time Method. See Section 1.32(A)(3).
	 		 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
									
	 (d)
	 	 [   ]
	 	 Actual (hourly) and Equivalency (salaried). 

Actual Method for hourly paid Employees and
Equivalency Method:                                     
                    
	 		 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
		 		 	 (e.g., daily, weekly, etc.) for salaried Employees.
	 		 		 		 		 		 	
			
	 (e)
	 	 [   ]
	 	Describe method:                                
                                         
                                         
                                         
                                      

 [Note: Under Election 12(e), the Employer may describe Hours of Service from the elections available
under Elections 12(a) through (d), or a combination thereof as to a Participant group and/or Contribution Type (e.g., For all purposes, Actual Method applies to office workers and Equivalency Method applies to truck drivers).] 

13.    ELECTIVE SERVICE CREDITING (1.59(C)). The Plan must credit Related Employer Service under Section
1.24(C) and also must credit certain Predecessor Employer/Predecessor Plan Service under Section 1.59(B). If the Plan is a Multiple Employer Plan, the Plan also must credit Service as provided in Section 12.08. The Plan also elects under Section
1.59(C) to credit as Service the following Predecessor Employer service (Choose one of (a) or (b).): 
  

					
	 (a)
	 	 [   ]
	 	 Not applicable. No elective Predecessor Employer Service crediting applies.

			
	 (b)
	 	 [X]
	 	 Applies. The Plan credits the specified service with the following designated Predecessor Employers as Service for
the Employer for the purposes indicated (Choose one or both of (1) and (2) as applicable. Complete (3). Choose (4) if applicable.):

 [Note: Any elective Service crediting under this Election 13 must be nondiscriminatory.] 

 

															
	        
	 	 (1)
	 	 [X]
	 	 All purposes. Credit as Service for all purposes, service with Predecessor Employer(s): Alantic City
Sands and President Casinos,
Inc.                                         
                                         
                                         
                                         
                                         
       

		 		 		 	 (insert as many names as needed).
	 		 		 		 	
								
		 	 (2)   
	 	 [   ]  
	 	Designated purposes. Credit as Service, service with the following Predecessor Employer(s) for the designated purpose(s):	 	          
	 	 (1)

     

    Eligibility    
	 	 (2)

     

        Vesting        
	 	 (3)

    Contribution    

Allocation

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 7 

 Volume Submitter 401(k) Plan 

 

															
							
	        
	 		 	a.      	 	Employer:
                                         
                                         
      	 	              [   ]              	 	            [   ]            	 	            [   ]            
							
		 		 	b.	 	Employer:
                                         
                                         
      	 	[   ]	 	[   ]	 	[   ]
							
		 		 	c.	 	Employer:
                                         
                                         
      	 	[   ]	 	[   ]	 	[   ]
			
		 	(3)    	 	 Time period. Subject to any exceptions noted under Election 13(b)(4), the Plan credits as Service under
Elections 13(b)(1) or (2) (Choose one or more of a., b., and c. as applicable.):

															
					
	        
	 		 	a.	 	[X]   	 	All. All service, regardless of when rendered.
					
		 		 	b.	 	[   ]	 	Service after. All service, which is or was rendered after:
                                        
 (specify date).
					
		 		 	c.	 	[   ]	 	Service before. All service, which is or was rendered before:
                                        
(specify date).
				
		 	(4)    	 	[X]   	 	Describe elective Predecessor Employer Service crediting:  13(b)(3)(a) time period applies to Election(s) 13(b) (1)     

 [Note: Under Election 13(b)(4), the Employer may describe service crediting from the
elections available under Elections 13(b)(1) through (3), or a combination thereof as to a Participant group and/or Contribution Type (e.g., For all purposes credit all service with X, but credit service with Y only on/after 1/1/05 OR Credit all
service for all purposes with entities the Employer acquires after 12/31/04 OR Service crediting for X Company applies only for purposes of Nonelective Contributions and not for Matching Contributions).] 

ARTICLE II 
 ELIGIBILITY
REQUIREMENTS 
 14.    ELIGIBILITY (2.01). To become a Participant in the Plan, an Eligible Employee
must satisfy (Choose one of (a), (b), or (c).): 
 [Note: If the Employer under a safe harbor plan elects “early”
eligibility for Elective Deferrals (e.g., less than one Year of Service and age 21), but does not elect early eligibility for any Safe Harbor Contributions, also see Election 30(g).] 

[Note: No eligibility conditions apply to Prevailing Wage Contributions. See Section 2.01(D).] 

 

					
	(a)	 	[   ]	 	 No conditions. No eligibility conditions as to all Contribution Types. Entry is on the Employment Commencement Date
(if that date is also an Entry Date), or if later, upon the next following Plan Entry Date (skip to Election 16).

			
	(b)	 	[   ]	 	 Eligibility - same for all Contribution Types. To become a Participant in the Plan as to all Contribution Types, an
Eligible Employee must satisfy the following eligibility conditions (Choose one or more of (e) through (k). Choose column (1) for each option elected at (e) through (j).):

			
	(c)	 	[X]	 	 Eligibility - different conditions apply. To become a Participant in the Plan for the designated Contribution Types,
an Eligible Employee must satisfy the following eligibility conditions (either as to all Contribution Types or as to the designated Contribution Type) (Choose one or more of (d) through (k). Choose Contribution Type as
applicable.):

 [Note: For this Election 14, unless described otherwise in Election 14(k), or the context otherwise requires,
Elective Deferrals includes Pre-Tax Deferrals, Roth Elective Deferrals and Employee Contributions, Matching includes all Matching Contributions (except Safe Harbor Matching Contributions under Section
3.05(E)(3) and Operational QMACs under Section 3.03(C)(2)) and Nonelective includes all Nonelective Contributions (except Safe Harbor Nonelective Contributions under Section 3.05(E)(2) and Operational QNECs under Section 3.04(C)(2)). Safe Harbor
includes Safe Harbor Nonelective and Safe Harbor Matching Contributions. If the Employer elects more than one Year of Service as to Additional Matching, the Plan will not satisfy the ACP test safe harbor. See Section 3.05(F)(3).] 

 

															
	 	 	(1)	 	(2)	 	(3)	 	(4)	 	(5)
	 	 	All	 	Elective	 	 	 	 	 	Safe
	Eligibility Conditions	 	Contributions	 	  Deferrals  	 	  Matching  	 	  Nonelective  	 	  Harbor  
								
	(d)	  	[   ]	    	None. Entry on the Employment Commencement Date (if that date is also an Entry Date) or if later, upon the next following Plan Entry Date.	 	 N/A

  (See Election 14(a))  
	 	[   ]	 	[   ]	 	[   ]	 	[   ]
								
	(e)	  	[   ]	    	 Age            (not to exceed age 21).
	 	[   ]          OR	 	[   ]	 	[   ]	 	[   ]	 	[   ]
								
	(f)	  	[   ]	    	 One Year of Service. See Election 16(a).
	 	[   ]          OR	 	[   ]	 	[   ]	 	[   ]	 	[   ]
								
	(g)	  	[   ]	    	 Two Years of Service (without an intervening Break in Service). 100% vesting is required.

[Note: Two Years of Service does not apply to Elective Deferrals, Safe Harbor Contributions or SIMPLE
Contributions.]
	 	N/A	 	N/A	 	[   ]	 	[   ]	 	N/A

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 8 

 Volume Submitter 401(k) Plan 

 

																			
	(h)	 	[X]	 	   three   month(s) (not exceeding 12 months for Elective Deferrals, Safe Harbor
Contributions and SIMPLE Contributions and not exceeding 24 months for other contributions). If more than 12 months, 100% vesting is required. Service need not be continuous (no minimum Hours of Service required, and is mere
passage of time).
	 	     [   ]	 	OR	 	[X]	 	[   ]	 	[   ]	 	[   ]
		 		 	 [Note: While satisfying a months of service condition without an Hours of Service requirement involves
the mere passage of time, the Plan need not apply the Elapsed Time Method in Election 12(c) above, and still may elect the Actual Method in 12(a) above.]
	 		 		 		 		 		 	
									
	(i)	 	[   ]	 	            month(s) with at least
           Hours of Service in each month (not exceeding 12 months for Elective Deferrals, Safe Harbor Contributions and SIMPLE Contributions and not
exceeding 24 months for other contributions). If more than 12 months, 100% vesting is required. If the Employee does not complete the designated Hours of Service each month during the specified monthly time period, the Employee is subject
to the one Year of Service (or two Years of Service if elect more than 12 months) requirement as defined in Election 16. The months during which the Employee completes the specified Hours of Service (Choose one of (1) or (2).):
	 	     [   ]	 	OR	 	[   ]	 	[   ]	 	[   ]	 	[   ]
										
		 	(1)	 	 [   ]    Consecutive. Must be consecutive.
	 		 		 		 		 		 		 	
									
		 	(2)	 	 [   ]    Not consecutive. Need not be consecutive.
	 		 		 		 		 		 	
									
	(j)	 	[X]	 	   1000   Hours of Service within the
  12    month   time period following the Employee’s Employment Commencement Date (not exceeding 12 months for Elective Deferrals, Safe Harbor Contributions and SIMPLE
Contributions and not exceeding 24 months for other contributions). If more than 12 months, 100% vesting is required. If the Employee does not complete the designated Hours of Service during the specified time period (if any), the
Employee is subject to the one Year of Service (or two Years of Service if elect more than 12 months) requirement as defined in Election 16.
	 	     [   ]	 	OR	 	[   ]	 	[X]	 	[   ]	 	[   ]

 [Note: The Employer may leave the time period option blank in Election 14(j) if the Employer wishes to
impose an Hour of Service requirement without specifying a time period within which an Employee must complete the required Hours of Service.] 
  

							
	(k)	 	[   ]	 	 Describe eligibility conditions:
	 	  

 [Note: The Employer may use Election 14(k) to describe different eligibility conditions as to
different Contribution Types or Employee groups (e.g., As to all Contribution Types, no eligibility requirements for Division A Employees and one Year of Service as to Division B Employees). The Employer also may elect different ages for different
Contribution Types and/or to specify different months or Hours of Service requirements under Elections 14(h), (i), or (j) as to different Contribution Types. Any election must satisfy Code §410(a).] 

15.   SPECIAL ELIGIBILITY EFFECTIVE DATE (DUAL ELIGIBILITY) (2.01(E)). The eligibility conditions of Election 14
and the entry date provisions of Election 17 apply to all Employees unless otherwise elected below (Choose (a) or (b) if applicable.): 

[Note: Elections 15(a) or (b) may trigger a coverage failure under Code §410(b).] 

 

					
	(a)	 	[   ]	 	 Waiver of eligibility conditions for certain Employees. For all Contribution Types, the eligibility conditions and
entry dates apply solely to an Eligible Employee employed or reemployed by the Employer
after                                      
(specify date). If the Eligible Employee was employed or reemployed by the Employer by the specified date, the Employee will become a Participant on the latest of: (i) the Effective Date; (ii) the restated Effective Date; (iii) the
Employee’s Employment Commencement Date or Re-Employment Commencement Date; or (iv) the date the Employee attains age            (not exceeding age
21).

 [Note: If the Employer does not wish to impose an age condition under clause (iv) as part of the
requirements for the eligibility conditions waiver, leave the age blank.] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 9 

 Volume Submitter 401(k) Plan 

 

					
	(b)	 	[   ]	 	Describe special eligibility Effective Date(s):                          
                                         
                                         
                                   

 [Note: Under Election 15(b), the Employer may describe special eligibility Effective Dates as to a
Participant group and/or Contribution Type (e.g., Eligibility conditions apply only as to Nonelective Contributions and solely as to the Eligible Employees of Division B who were hired or reemployed by the Employer after January 1, 2012).] 

16.   YEAR OF SERVICE - ELIGIBILITY (2.02(A)). (Choose (a), (b), and
(c) as applicable.): 
 [Note: If the Employer under Election 14 elects a one or two Year(s) of Service condition (including any
requirement which defaults to such conditions under Elections 14(i), (j), and (k)) or elects to apply a Year of Service for eligibility under any other Adoption Agreement election, the Employer should complete this Election 16. The Employer should
not complete Election 16 if it elects the Elapsed Time Method for eligibility.] 
  

							
	(a)	 	[X]	 	 Year of Service. An Employee must complete   1000   Hour(s) of Service during
the relevant Eligibility Computation Period to receive credit for one Year of Service under Article II. [Note: The number may not exceed 1,000. If left blank, the requirement is 1,000 Hours of Service.]

			
	(b)	 	[X]	 	 Subsequent Eligibility Computation Periods. After the Initial Eligibility Computation Period described in
Section 2.02(C)(2), the Plan measures Subsequent Eligibility Computation Periods as (Choose one of (1), (2), or (3).):

				
		 	(1)	 	[X]	 	 Plan Year. The Plan Year beginning with the Plan Year which includes the first anniversary of the Employee’s
Employment Commencement Date.

				
		 	(2)	 	[   ]	 	 Anniversary Year. The Anniversary Year, beginning with the Employee’s second Anniversary Year.

				
		 	(3)	 	[   ]	 	 Split. The Plan Year as described in Election 16(b)(1) as
to:                                      (describe
Contribution Type(s)) and the Anniversary Year as described in Election 16(b)(2) as
to:                                      (describe
Contribution Type(s)).

 [Note: To maximize delayed entry under a two Years of Service condition for Nonelective Contributions or
Matching Contributions, the Employer should elect to remain on the Anniversary Year for such contributions.] 
  

					
	(c)	 	[   ]	 	
Describe:                    
                                         
                                         
                                         
                                         
                   

		 		 	 (e.g., Anniversary Year as to Division A and Plan Year as to Division B.)

 17.   ENTRY DATE (2.02(D)). Entry Date means the Effective Date and (Choose one
or more of (a) through (g). Choose Contribution Types as applicable.): 
 [Note: For this Election 17, unless
described otherwise in Election 17(g), Elective Deferrals includes Pre-Tax Deferrals, Roth Elective Deferrals and Employee Contributions, Matching includes all Matching Contributions (except
Operational QMACs under Section 3.03(C)(2)) and Nonelective includes all Nonelective Contributions (except Operational QNECs under Section 3.04(C)(2)). Entry as to Prevailing Wage Contributions is on the Employment Commencement Date. See Section
2.02(D)(3).] 
  

															
		 		 		 	(1)	 		 	(2)	 	(3)	 	(4)
		 		 		 	All	 		 	Elective	 		 	
		 		 		 	Contributions	 		 	Deferrals	 	Matching	 	Nonelective
								
	(a)	 	[   ]	 	Semi-annual. The first day of the first month
and of the seventh month of the Plan Year.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	(b)	 	[   ]	 	First day of Plan Year.	 	[   ]	 	OR	 	[   ]	 	 [   ]
	 	[   ]
								
	(c)	 	[   ]	 	First day of each Plan Year quarter.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	(d)	 	[X]	 	The first day of each month.	 	[X]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	(e)	 	[   ]	 	Immediate. Upon Employment Commencement Date or if later, upon satisfaction of eligibility conditions.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	(f)	 	[   ]	 	First day of each payroll period.	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
			
	(g)	 	[   ]	 	Describe Entry
Date(s):                                       
                                         
                                         
                                         
                

 [Note: Under Election 17(g), the Employer may describe Entry Dates from the elections available under
Elections 17(a) through (f), or a combination thereof as to a Participant group and/or Contribution Type or may elect additional Entry Dates (e.g., As to Matching Contributions excluding Additional Matching, immediate as to Division A Employees and
semi-annual as to Division B Employees OR The earlier of the Plan’s semi-annual Entry Dates or the entry dates under the Employer’s medical plan).] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 10 

 Volume Submitter 401(k) Plan 

 

 18.    PROSPECTIVE/RETROACTIVE ENTRY DATE (2.02(D)). An
Employee after satisfying the eligibility conditions in Election 14 will become a Participant (unless an Excluded Employee under Election 8) on the Entry Date (if employed on that date) (Choose one or more of (a) through (f). Choose Contribution
Type as applicable.): 
 [Note: Unless otherwise excluded under Election 8, an Employee who remains employed by the Employer on
the relevant date must become a Participant by the earlier of: (i) the first day of the Plan Year beginning after the date the Employee completes the age and service requirements of Code §410(a); or (ii) 6 months after the date the Employee
completes those requirements. For this Election 18, unless described otherwise in Election 18(f), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes all Matching Contributions (except
Operational QMACs under Section 3.03(C)(2)) and Nonelective includes all Nonelective Contributions, (except Operational QNECs under Section 3.04(C)(2)).] 
  

															
		 		 		 	(1)	 		 	(2)	 	(3)	 	(4)
		 		 		 	All	 		 	Elective	 		 	
		 		 		 	Contributions	 		 	Deferrals	 	Matching	 	Nonelective
								
	 (a)
	 	[X]	 	 Immediately following or coincident with the date the Employee completes the eligibility conditions.
	 	[X]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	 (b)
	 	[   ]	 	 Immediately following the date the Employee completes the eligibility conditions.
	 	[   ]	 	OR	 	[   ]	 	[   ]	 	[   ]
								
	 (c)
	 	[   ]	 	 Immediately preceding or coincident with the date the Employee completes the eligibility conditions.
	 	N/A	 		 	N/A	 	[   ]	 	[   ]
								
	 (d)
	 	[   ]	 	 Immediately preceding the date the Employee completes the eligibility conditions.
	 	N/A	 		 	N/A	 	[   ]	 	[   ]
								
	 (e)
	 	[   ]	 	 Nearest the date the Employee completes the eligibility conditions.
	 	N/A	 		 	N/A	 	[   ]	 	[   ]
			
	 (f)
	 	[   ]	 	Describe retroactive/prospective entry relative to Entry Date:
                                         
                                         
                            

 [Note: Under Election 18(f), the Employer may describe the timing of entry relative to an Entry Date
from the elections available under Elections 18(a) through (e), or a combination thereof as to a Participant group and/or Contribution Type (e.g., As to Matching Contributions excluding Additional Matching nearest as to Division A Employees and
immediately following as to Division B Employees).] 
 19.    BREAK IN SERVICE - PARTICIPATION (2.03). The one year hold-out rule described in Section 2.03(C) (Choose one of (a), (b), or (c).): 

 

															
	(a)	 	[X]	 	Does not apply.
			
	(b)	 	[   ]	 	Applies. Applies to the Plan and to all Participants.
			
	(c)	 	[   ]	 	Limited application. Applies to the Plan, but only to a Participant who has incurred a Severance from Employment.

 [Note: The Plan does not apply the rule of parity under Code §410(a)(5)(D) unless the Employer in
Appendix B specifies otherwise. See Section 2.03(D).] 
 ARTICLE III 

PLAN CONTRIBUTIONS AND FORFEITURES 

20.    ELECTIVE DEFERRAL LIMITATIONS (3.02(A)). The following limitations apply to Elective Deferrals under
Election 6(b), which are in addition to those limitations imposed under the basic plan document (Choose (a) or choose (b) and (c) as applicable.): 
  

															
	 (a)
	 	[   ]	 	None. No additional Plan imposed limits (skip to Election 21).

 [Note: The Employer under Election 20 may not impose a lower deferral limit applicable only to
Catch-Up Eligible Participants and the Employer’s elections must be nondiscriminatory. The elected limits apply to Pre-Tax Deferrals and
to Roth Deferrals unless described otherwise. Under a safe harbor plan: (i) NHCEs must be able to defer enough to receive the maximum Safe Harbor Matching and Additional Matching Contribution under the Plan and must be permitted to defer any lesser
amount; and (ii) the Employer may limit Elective Deferrals to a whole percentage of Compensation or to a whole dollar amount. See Section 1.57(C) as to administrative limitations on Elective Deferrals.] 

 

							
	 (b)
	 	[X]	 	 Additional Plan limit(s). (Choose (1) and (2) as applicable. Complete (3) if (1) or (2) is
chosen.):

				
		 	(1)	 	[X]	 	 Maximum deferral amount. A Participant’s Elective Deferrals may not exceed:   100%  
(specify dollar amount and/or percentage of Compensation).

				
		 	(2)	 	[X]	 	 Minimum deferral amount. A Participant’s Elective Deferrals may not be less than:
  1%   (specify dollar amount and/or percentage of Compensation).

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 11 

 Volume Submitter 401(k) Plan 

 

							
			
		 	(3)	 	 Application of limitations. The Election 20(b)(1) and (2) limitations apply based on Elective Deferral
Compensation described in Elections 9 - 11. If the Employer elects Plan Year/Participating Compensation under column (1) and in Election 10 elects Participating Compensation, in the Plan Years commencing
after an Employee becomes a Participant, apply the elected minimum or maximum limitations to the Plan Year. Apply the elected limitation based on such Compensation during the designated time period and only to HCEs as elected below. (Choose a. or
choose b. and c. as applicable. Under each of a., b., or c. choose one of (1) or (2). Choose (3) if applicable.):

  

																			
	 	 	 	 	 	 	(1)	 	 	 	(2)	 	 	 	 	 	(3)	 	 
	 	 	 	 	 	 	Plan Year/Participating	 	 	 	Payroll	 	 	 	 	 	HCEs only	 	 
	 	 	 	 	 	 	Compensation	 	 	 	period	 	 	 	 	 	 	 	 
										
	 a.
	 	[X]	 	 Both. Both limits under Elections 20(b)(1) and (2).
	 	[X]	 		 	 [   ]
	 		 		 	 [   ]
	 	
										
	 b.
	 	[   ]	 	 Maximum limit. The maximum amount limit under Election 20(b)(1).
	 	[   ]	 		 	[   ]	 		 		 	[   ]	 	
										
	 c.
	 	[   ]	 	 Minimum limit. The minimum amount limit under Election 20(b)(2).
	 	[   ]	 		 	[   ]	 		 		 	[   ]	 	

  

															
	 (c)
	 	[   ]	 	Describe Elective Deferral limitation(s):
                                         
                                         
                                         
                           

 [Note: Under Election 20(c), the Employer: (i) may describe limitations on Elective Deferrals from the
elections available under Elections 20(a) and (b) or a combination thereof as to a Participant group (e.g., No limit applies to Division A Employees. Division B Employees may not defer in excess of 10% of Plan Year Compensation); (ii) may elect a
different time period to which the limitations apply; and/or (iii) may apply a different limitation to Pre-Tax Deferrals and to Roth Deferrals.] 

21.    AUTOMATIC DEFERRAL (ACA/EACA/QACA) (3.02(B)). The Automatic Deferral provisions
of Section 3.02(B) (Choose one of (a) or (b). Also see Election 34 regarding Automatic Escalation of Salary Reduction Agreements.): 
  

															
	 (a)
	 	[X]	 	 Do not apply. The Plan is not an ACA, EACA, or QACA (skip to Election 22).

			
	 (b)
	 	[   ]	 	 Apply. The Automatic Deferral Effective Date is the effective date of automatic deferrals or, as
appropriate, any subsequent amendment thereto. (As to an EACA or QACA, this provision may not be effective earlier than Plan Years beginning on or after January 1, 2008). (Complete (1), (2), and (3). Complete (4) and (5)
if an EACA or an EACA/QACA. Choose (6), (7), and/or (8) as applicable.):

			
		 	(1)	 	 Type of Automatic Deferral Arrangement. The Plan is an (Choose one of a., b., or
c.):

 
																			
			
	 a.
	 	[   ]	 	 ACA. The Plan is an Automatic Contribution Arrangement (ACA) under Section 3.02(B)(1).

			
	 b.
	 	[   ]	 	 EACA. The Plan is an Eligible Automatic Contribution Arrangement (EACA) under Section
3.02(B)(2).

			
	 c.
	 	[   ]	 	 EACA/QACA. The Plan is a combination EACA and Qualified Automatic Contribution Arrangement (QACA)
under Sections 3.02(B)(3) and 3.05(J).

 [Note: If the Employer chooses Elections 21(b)(1)c, the Employer also must choose election 6(e) and
complete Election 30 as to the Safe Harbor Contributions under the QACA.] 
  

															
		 	(2)	 	 Participants affected. The Automatic Deferral applies to (Choose one of a., b., c., or d. Choose e.
if applicable.):

  

																			
	 a.
	 	[   ]	 	 All Participants. All Participants, regardless of any prior Salary Reduction Agreement, unless and
until they make a Contrary Election after the Automatic Deferral Effective Date.

			
	 b.
	 	[   ]	 	 Election of at least Automatic Deferral Percentage. All Participants, except those who have in effect
a Salary Reduction Agreement on the Automatic Deferral Effective Date provided that the Elective Deferral amount under the Agreement is at least equal to the Automatic Deferral Percentage.

			
	 c.
	 	[   ]	 	 No existing Salary Reduction Agreement. All Participants, except those who have in effect a Salary
Reduction Agreement on the Automatic Deferral Effective Date regardless of the Elective Deferral amount under the Agreement.

			
	 d.
	 	[   ]	 	 New Participants (not applicable to QACA). Each Employee whose Entry Date is on or following the
Automatic Deferral Effective Date.

 
																			
				
	 e.
	 	 [   ]	 	  Describe affected Participants (not applicable to QACA):	 	  

 [Note: The Employer in Election 21(b)(2)e. may further describe affected Participants, e.g.,
non-Collective Bargaining Employees OR Division A Employees. However, for Plan Years commencing on or after January 1, 2010, all Employees eligible to defer must be Covered Employees to
apply the 6-month correction period without excise tax under Code §4979.] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 12 

 Volume Submitter 401(k) Plan 

 

															
		 	(3)	 	 Automatic Deferral Percentage/Scheduled increases. (Choose one of a., b., or c.):

 
																			
			
	 a.
	 	[   ]	 	 Fixed percentage. The Employer, as to each Participant affected, will withhold as the Automatic
Deferral Percentage,             % from the Participant’s Compensation each payroll period unless the Participant makes a Contrary Election. The Automatic Deferral Percentage
will or will not increase in Plan Years following the Plan Year containing the Automatic Deferral Effective Date (or, if later, the Plan Year or partial Plan Year in which the Automatic Deferral first applies to a Participant) as follows (Choose
one of d., e., or f.):

 [Note: In order to satisfy the QACA requirements, enter an amount between 6% and 10% if no scheduled
increase.] 
  

					
	 b.
	 	[   ]	 	 QACA statutory increasing schedule. The Automatic Deferral Percentage will be:

  

											
	 	 	Plan Year of application to a Participant	 	 	 	 	 	Automatic Deferral Percentage  	 	 
		 	 1
	 		 		 	3%	 	
		 	 2
	 		 		 	3%	 	
		 	 3
	 		 		 	4%	 	
		 	 4
	 		 		 	5%	 	
		 	 5 and thereafter
	 		 		 	6%	 	

  

					
	 c.
	 	[   ]	 	 Other increasing schedule. The Automatic Deferral Percentage will be:

  

											
	 	 	Plan Year of application to a Participant	 	 	 	 	 	Automatic Deferral Percentage  	 	 
		 	             _____
	 		 		 	       _____%  
	 	
		 	             _____
	 		 		 	      _____%  	 	
		 	             _____
	 		 		 	       _____%  
	 	
		 	             _____
	 		 		 	       _____%  
	 	
		 	             _____
	 		 		 	       _____%  
	 	

  

							
	 d.
	 	[   ]	 	 No scheduled increase. The Automatic Deferral Percentage applies in all Plan Years.

			
	 e.
	 	[   ]	 	 Automatic increase. The Automatic Deferral Percentage will increase by
            % per year up to a maximum of             % of Compensation.

				
	 f.
	 	[   ]	 	 Describe increase:
	 	  

 [Note: To satisfy the QACA requirements, the Automatic Deferral Percentage must be: (i) a fixed
percentage which is at least 6% and not more than 10% of Compensation; (ii) an increasing Automatic Deferral Percentage in accordance with the schedule under Election 20(b)(3)b.; or (iii) an alternative schedule which must require, for each Plan
Year, an Automatic Deferral Percentage that is at least equal to the Automatic Deferral Percentage under the schedule in Election 21(b)(3)b. and which does not exceed 10%. See Section 3.02(B)(3).] 

 

															
		 	(4)	 	 EACA permissible withdrawal. The permissible withdrawal provisions of Section 3.02(B)(2)(d) (Choose
one of a., b., or c.):

  

					
	 a.
	 	[   ]	 	 Do not apply.

			
	 b.
	 	[   ]	 	 90 day withdrawal. Apply within 90 days of the first Automatic Deferral.

			
	 c.
	 	[   ]	 	 30-90 day withdrawal. Apply, within
             days of the first Automatic Deferral (may not be less than 30 nor more than 90 days).

  

															
		 	(5)	 	 Contrary Election/Covered Employee. For Plan Years beginning on or after January 1, 2010, any
Participant who makes a Contrary Election (Choose one of a. or b.; leave blank if an ACA or a QACA not subject to the ACP test.):

  

					
	 a.
	 	[   ]	 	 Covered Employee. Is a Covered Employee and continues to be covered by the EACA provisions. [Note: Under this
Election, the Participant’s Contrary Election will remain in effect, but the Participant must receive the EACA annual notice.]

			
	 b.
	 	[   ]	 	 Not a Covered Employee. Is not a Covered Employee and will not continue to be covered by the EACA provisions.
[Note: Under this Election, the Participant no longer must receive the EACA annual notice, but the Plan cannot use the six-month period for relief from the excise tax of Code §4979(f)(1).]

  

															
		 	(6)	 	 Change Date. The Elective Deferrals under Election 21(b)(3)b., c., e., or f. will increase on the
following day each Plan Year:

  

					
	 a.
	 	[   ]	 	 First day of the Plan Year.

							
				
	 b.
	 	  [   ]	 	    Other:	 	  

		 		 	     (must be a specified or definitely determinable date that occurs at least
annually)

  

															
		 	(7)	 	 First Year of Increase. The automatic increase under Election 21(b)(3)e. or f. will apply to a
Participant beginning with the first Change Date after the Participant first has automatic deferrals withheld, unless a. is selected below:

  

					
	 a.
	 	[   ]	 	 The increase will apply as of the second Change Date thereafter.

  

							
		 	(8)	 	 [   ]    Describe Automatic Deferral:
	 	  

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 13 

 Volume Submitter 401(k) Plan 

 

 [Note: Under Election 21(b)(8), the Employer may describe Automatic Deferral provisions
from the elections available under Election 21 and/or a combination thereof as to a Participant group (e.g., Automatic Deferrals do not apply to Division A Employees. All Division B Employee/Participants are subject to an Automatic Deferral
Amount equal to 3% of Compensation effective as of January 1, 2013).] 
 22.    CODA (3.02(C)).
The CODA provisions of Section 3.02(C) (Choose one of (a) or (b).): 
  

					
	 (a)
	 	[X]	 	 Do not apply.

			
	 (b)
	 	[   ]	 	 Apply. For each Plan Year for which the Employer makes a designated CODA contribution under Section 3.02(C), a
Participant may elect to receive directly in cash not more than the following portion (or, if less, the Elective Deferral Limit) of his/her proportionate share of that CODA contribution (Choose one of (1) or
(2).):

							
				
		 	(1)	 	 [   ]
	 	 All or any portion.

				
		 	(2)	 	 [   ]
	 	             %

 23.    CATCH-UP DEFERRALS
(3.02(D)). The Plan permits Catch-Up Deferrals unless the Employer elects otherwise below. (Choose (a) if applicable.) 
  

					
	 (a)
	 	[   ]	 	 Not Permitted. May not make Catch-Up Deferrals to the
Plan.

 24.    MATCHING CONTRIBUTIONS (EXCLUDING SAFE
HARBOR MATCH AND ADDITIONAL MATCH UNDER SECTION 3.05) (3.03(A)). The Employer Matching Contributions under Election 6(c) are subject to the following additional elections regarding type (discretionary/fixed), rate/amount, limitations and
time period (collectively, such elections are “the matching formula”) and the allocation of Matching Contributions is subject to Section 3.06 except as otherwise provided (Choose one or more of (a) through (g) as applicable; then, for
the elected match, complete (1), (2), and/or (3) as applicable. If the Employer completes (2) or (3), also complete one of (4), (5), or (6).): 

[Note: If the Employer wishes to make any Matching Contributions that satisfy the ADP or ACP safe harbor, the Employer should make these
Elections under Election 30, and not under this Election 24.] 
  

																																			
	 	 	 	 	 	 	 	 	 	 	 (1)
  

Match
 Rate/Amt

  [$/% of Elective  
Deferrals]
	 	 	 	 (2)

Limit on
 Deferrals

Matched

[$/% of
  Compensation]  
	 	 (3)
  

Limit on

Match Amount

[$/% of

  Compensation]  
	 	 (4)
  

Apply

limit(s) per

Plan Year
   [“true-up”]  
	 	 (5)

Apply
limit(s) per

payroll

period [no
   “true-up”]  
	 	 (6)

Apply

limit(s) per

designated

time period
   [no “true-up”]  

																	
	 (a)   
	 	[X]   	 	 Discretionary – see Section 1.35(B) (The Employer may, but is not required
to complete (a)(1)-(6). See the “Note” following Election 24.)
	 		 		 	   50%  
	 		 		 		 	 3%
	 		 		 	  
	 		 	[   ]	 	[X]	 	[   ]           
																	
	 (b)   
	 	[   ]   	 	 Fixed – uniform rate/amount
	 	 	 	 	 	  
	 	 	 	 	 	 	 	  
	 	 	 	 	 	  
	 	 	 	[   ]	 	[   ]	 	[   ]           
																	
	 (c)   
	 	[   ]   	 	 Fixed – tiered
	 		 	Elective	 		 	Matching	 		 		 	  
	 		 		 	  
	 		 	[   ]	 	[   ]	 	[   ]           
		 		 		 		 		 	Deferral %	 		 	Rate	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	          %	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	          %	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	          %	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	          %	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	          %	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 		 		 		 		 		 		 		 		 		 		 		 		 	
																	
	 (d)   
	 	[   ]   	 	 Fixed – Years of
	 		 	Years	 		 	Matching	 		 		 	  
	 		 		 	  
	 		 	[   ]	 	[   ]	 	[   ]           
		 		 	 Service
	 		 		 	of Service	 		 	Rate	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	_____	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	_____	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	_____	 		 	          %	 		 		 		 		 		 		 		 		 		 	
		 		 		 		 		 	_____	 		 	          %	 		 		 		 		 		 		 		 		 		 	

  

							
		 	(1)	 	 “Years of Service” under this Election 24(d) means (Choose one of a. or b.):

				
		 		 	 a.
	 	[   ]     Eligibility. Years of Service for eligibility in Election 16.
				
		 		 	 b.
	 	[   ]     Vesting. Years of Service for vesting in Elections 43 and 44.

  

																											
	 (e)
	 	[   ]	 	
Fixed      –      multiple
	 	Formula 1:                       	 		 	  
	 		 		 	  
	 		 	   [   ]	 	  [   ]	 		 	[   ]                 
		 		 	 formulas
	 		 		 		 		 		 		 		 		 		 		 	

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 14 

 Volume Submitter 401(k) Plan 

 

																											
		 		 		 	Formula 2:                       	 		 	  
	 		 		 	  
	 		 	   [   ]	 	   [   ]	 		 	[   ]                 
														
		 		 		 	Formula 3:                       	 		 	  
	 		 		 	  
	 		 	   [   ]	 	   [   ]	 		 	[   ]                 

  

															
	 (f)
	 	[X]	 	 Related and Participating Employers. If any Related and Participating Employers (or in the case of a
Multiple Employer Plan, Participating Employers regardless of whether they are Related Employers) contribute Matching Contributions to the Plan, the following apply (Complete (1) and (2).):

			
		 	(1)	 	 Matching formula. The matching formula for the Participating Employer(s) (Choose one of a. or
b.):

 
																			
			
	 a.
	 	[X]	 	 All the same. Is (are) the same as for the Signatory Employer under this Election
24.

 
																					
					
	 b.
	 	[   ]	 	 At least one different. Is (are) as follows:	 	  
	 	. 

  

															
		 	(2)	 	 Allocation sharing. The Plan Administrator will allocate the Matching Contributions made by the
Signatory Employer and by any Participating Employer (Choose one of a. or b.):

 
																			
			
	 a.
	 	[   ]	 	 Employer by Employer. Only to the Participants directly employed by the contributing
Employer.

			
	 b.
	 	[X]	 	 Across Employer lines. To all Participants regardless of which Employer directly employs them and
regardless of whether their direct Employer made Matching Contributions for the Plan Year.

[Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 24(f) unless there are Related Employers which are also
Participating Employers. See Section 1.24(D).] 
  

							
	 (g)
	 	[   ]	 	Describe:	 	  

		 		 	 (The formula described must satisfy the definitely determinable requirement under Treas. Reg. §1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination
purposes.)

 [Note: See Section 1.35(A) as to Fixed Matching Contributions. A Participant’s Elective Deferral
percentage is equal to the Participant’s Elective Deferrals divided by his/her Compensation. The matching rate/amount is the specified rate/amount of match for the corresponding Elective Deferral amount/percentage. Any Matching Contributions
apply to Pre-Tax Deferrals and to Roth Deferrals unless described otherwise in Election 24(g). Matching Contributions for nondiscrimination testing purposes are subject to the targeting
limitations. See Section 4.10(D). The Employer under Election 24(a) in its discretion may determine the amount of a Discretionary Matching Contribution and the matching contribution formula. Alternatively, the Employer in Election 24(a)
may specify the Discretionary Matching Contribution formula.] 
 25.    QMAC (PLAN-DESIGNATED) (3.03(C)(1)). The following provisions apply regarding Plan-Designated QMACs (Choose one of (a) or (b).): 

[Note: Regardless of its elections under this Election 25, the Employer under Section 3.03(C)(2) may elect for any Plan Year where the Plan
is using Current Year Testing to make Operational QMACs which the Plan Administrator will allocate only to NHCEs for purposes of correction of an ADP or ACP test failure.] 
  

					
	 (a)
	 	[X]	 	 Not applicable. There are no Plan-Designated QMACs.

			
	 (b)
	 	[   ]	 	 Applies. There are Plan-Designated QMACs to which the following provisions apply (Complete (1) and
(2).):

			
		 	(1)	 	 Matching Contributions affected. The following Matching Contributions (as allocated to the designated allocation
group under Election 25(b)(2)) are Plan-Designated QMACs (Choose one of a. or b.):

 
																			
			
	 a.
	 	[   ]	 	
All. All Matching Contributions.

																					
					
	 b.
	 	 [   ]	 	  Designated. Only the following Matching Contributions under Election 24:	 	  
	 	. 

  

					
		 	(2)	 	 Allocation Group. Subject to Section 3.06, allocate the Plan-Designated QMAC (Choose one of a. or
b.):

 
																			
			
	 a.
	 	[   ]	 	 NHCEs only. Only to NHCEs who make Elective Deferrals subject to the Plan-Designated
QMAC.

			
	 b.
	 	[   ]	 	 All Participants. To all Participants who make Elective Deferrals subject to the Plan-Designated
QMAC.

 The Plan Administrator will allocate all other Matching
Contributions as Regular Matching Contributions under Section 3.03(B), except as provided in Sections 3.03(C)(2) or 3.05. 
 [Note: See
Section 4.10(D) as to targeting limitations applicable to QMAC nondiscrimination testing.] 
 26.    MATCHING
CATCH-UP DEFERRALS (3.03(D)). If a Participant makes a Catch-Up Deferral, the Employer (Choose one of (a) or (b); leave blank if
Election 23(a) is selected.): 
  

					
	 (a)
	 	[   ]	 	 Match. Will apply to the Catch-Up Deferral (Choose one of (1) or
(2).):

							
				
		 	(1)	 	[   ]	 	 All. All Matching Contributions.

				
		 	(2)	 	[   ]	 	Designated. The following Matching Contributions in Election
24:                                        
                                         
                       .

  

					
	 (b)
	 	[X]	 	 No Match. Will not match any Catch-Up Deferrals.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 15 

 Volume Submitter 401(k) Plan 

 

 [Note: Election 26 does not apply to a safe harbor 401(k) plan unless the Employer will
apply the ACP test. See Elections 38(a)(2)b. In this case, Election 26 applies only to Additional Matching, if any. A safe harbor 401(k) Plan will apply the Basic Match, QACA Basic Match or Enhanced Match to Catch-Up Deferrals. If the Employer elects to apply the ACP test safe harbor under Election 38(a)(2)a., Election 26 does not apply and the Plan also will apply any Additional Match to Catch-Up Deferrals.] 
 27.   NONELECTIVE CONTRIBUTIONS (TYPE/AMOUNT) INCLUDING PREVAILING
WAGE CONTRIBUTIONS (3.04(A)). The Employer Nonelective Contributions under Election 6(d) are subject to the following additional elections as to type and amount (Choose one or more of (a) through (e) as applicable.): 

 

									
	 (a)
	 	   [X]
	 	 Discretionary. An amount the Employer in its sole discretion may determine.

			
	 (b)
	 	   [   ]
	 	 Fixed. (Choose one or more of (1) through (3) as applicable.):

				
		 	   (1)
	 	[   ]   	 	 Uniform %.           % of each
Participant’s Compensation, per
                                         
    (e.g., Plan Year, month).

				
		 	   (2)
	 	[   ]	 	 Fixed dollar amount. $          , per
                                         
    (e.g., Plan Year, month, HOS, per Participant per month).

					
		 	   (3)
	 	[   ]	 	 Describe:
	 	  

		 		 		 	 (The formula described must satisfy the definitely determinable requirement under Treas. Reg.
§1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination purposes.)

 [Note: The Employer under Election 27(b)(3) may specify any Fixed Nonelective Contribution formula not
described under Elections 27(b)(1) or (2) (e.g., For each Plan Year, 2% of net profits exceeding $50,000, or The cash value of unused paid time off, as described in Section 3.04(A)(2)(a) and the Employer’s Paid Time Off Plan) and/or the
Employer may describe different Fixed Nonelective Contributions as applicable to different Participant groups (e.g., A Fixed Nonelective Contribution equal to 5% of Plan Year Compensation applies to Division A Participants and a Fixed Nonelective
Contribution equal to $500 per Participant each Plan Year applies to Division B Participants).] 
  

											
	 (c)
	 	   [   ]   
	 	 Prevailing Wage Contribution. The Prevailing Wage Contribution amount(s) specified for the Plan Year or
other applicable period in the Employer’s Prevailing Wage Contract(s). The Employer will make a Prevailing Wage Contribution only to Participants covered by the Contract and only as to Compensation paid under the Contract. The Employer must
specify the Prevailing Wage Contribution by attaching an appendix to the Adoption Agreement that indicates the contribution rate(s) applicable to the prevailing wage employment/job classification(s). If the Participant accrues an allocation of
Employer Contributions (including forfeitures) under the Plan or any other Employer plan in addition to the Prevailing Wage Contribution, the Plan Administrator will (Choose one of (1) or (2).):

				
		 	   (1)
	 	 [   ]   
	 	 No offset. Not reduce the Participant’s Employer Contribution allocation by the amount of the
Prevailing Wage Contribution.

				
		 	   (2)
	 	 [   ]
	 	 Offset. Reduce the Participant’s Employer Contribution allocation by the amount of the Prevailing
Wage Contribution.

			
	 (d)
	 	   [X]
	 	 Related and Participating Employers. If any Related and Participating Employers (or in the case of a
Multiple Employer Plan, Participating Employers regardless of whether they are Related Employers) contribute Nonelective Contributions to the Plan, the contribution formula(s) (Choose one of (1) or (2).):

				
		 	   (1)
	 	 [X]
	 	 All the same. Is (are) the same as for the Signatory Employer under this Election 27.

					
		 	   (2)
	 	 [   ]
	 	 At least one different. Is (are) as follows:
	 	
                       
                                         
                                         
                                         
.

 [Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 27(d) unless there
are Related Employers which are also Participating Employers. See Section 1.24(D). The Employer electing 27(d) also must complete Election 28(g) as to the allocation methods which apply to the Participating Employers.] 

 

					
	 (e)
	 	 [X]
	 	 Describe:  The Employer may make a Nonelective Contribution in accordance with the applicable terms of any
collective bargaining
agreements.                                       
                                         
                                         
                                         
                                      

		 		 	 (The formula described must satisfy the definitely determinable requirement under Treas. Reg. §1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination
purposes.)

 [Note: Under Election 27(e), the Employer may describe the amount and type of Nonelective
Contributions from the elections available under Election 27 and/or a combination thereof as to a Participant group (e.g., A Discretionary Nonelective Contribution applies to Division A Employees. A Fixed Nonelective Contribution equal to 5% of Plan
Year Compensation applies to Division B Employees).] 
 28.   NONELECTIVE CONTRIBUTION ALLOCATION
(3.04(B)). The Plan Administrator, subject to Section 3.06, will allocate to each Participant any Nonelective Contribution (excluding QNECs) under the following contribution allocation formula (Choose one or more of (a) through (h) as
applicable.): 
  

					
	 (a)
	 	  [X]
	 	 Pro rata. As a uniform percentage of Participant Compensation.

			
	 (b)
	 	  [   ]
	 	 Permitted disparity. In accordance with the permitted disparity allocation provisions of Section 3.04(B)(2), under
which the following permitted disparity formula and definition of “Excess Compensation” apply (Complete (1) and (2).):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

									
		 	 (1)
	 	 Formula (Choose one of a., b., or c.):

					
		 		 	 a.
	 	 [   ]
	  	 Two-tiered.

					
		 		 	 b.
	 	 [   ]
	  	 Four-tiered.

					
		 		 	 c.
	 	 [   ]
	  	 Two-tiered, except that the four-tiered formula will apply in any Plan Year for which the Plan is
top-heavy.

			
		 	 (2)
	 	 Excess Compensation. For purposes of Section 3.04(B)(2), “Excess Compensation” means
Compensation in excess of the integration level provided below (Choose one of a. or b.):

					
		 		 	 a.
	 	 [   ]
	  	 Percentage amount.           % (not exceeding 100%)
of the Taxable Wage Base in effect on the first day of the Plan Year, rounded to the next highest $           (not exceeding the Taxable Wage Base).

					
		 		 	 b.
	 	 [   ]
	  	 Dollar amount. The following amount: $           (not
exceeding the Taxable Wage Base in effect on the first day of the Plan Year).

  

					
	 (c)
	 	 [   ]
	 	 Incorporation of contribution formula. The Plan Administrator will allocate any Fixed Nonelective Contribution under
Elections 27(b), 27(d), or 27(e), or any Prevailing Wage Contribution under Election 27(c), in accordance with the contribution formula the Employer adopts under those Elections.

			
	 (d)
	 	 [   ]
	 	 Classifications of Participants. [This is a nondesigned based safe harbor allocation method.] In accordance
with the classifications allocation provisions of Section 3.04(B)(3). (Complete (1) and (2).):

			
		 	 (1)
	 	 Description of the classifications. [This is a nondesigned based safe harbor allocation method.] The
classifications are (Choose one of a., b., or c.):

 [Note: Typically, the Employer would elect 28(d) where it intends to satisfy nondiscrimination
requirements using “cross-testing” under Treas. Reg. §1.401(a)(4)-8. However, choosing this election does not necessarily require application of cross-testing and the Plan may be able to satisfy nondiscrimination as to its classification-based allocations by testing allocation rates.] 

 

											
		 		 	 a.
	 	 [   ]
	  	 Each in own classification. Each Participant constitutes a separate classification.

					
		 		 	 b.
	 	 [   ]
	  	 NHCEs/HCEs. Nonhighly Compensated Employee/Participants and Highly Compensated
Employee/Participants.

						
		 		 	 c.
	 	 [   ]
	  	 Describe the classifications:
	 	  

 [Note: Any classifications under Election 28(d) must result in a definitely determinable allocation
under Treas. Reg. §1.401-1(b)(1)(ii). The classifications cannot limit the NHCEs benefiting under the Plan only to those NHCE/Participants with the lowest Compensation and/or the shortest periods of
Service and who may represent the minimum number of benefiting NHCEs necessary to pass coverage under Code §410(b). In the case of a self-employed Participant (i.e., sole proprietorships or partnerships),
the requirements of Treas. Reg. §1.401(k)-1(a)(6) apply and the allocation method should not result in a cash or deferred election for the self-employed
Participant. The Employer by the due date of its tax return (including extensions) must advise the Plan Administrator or Trustee in writing as to the allocation rate applicable to each Participant under Election 28(d)(1)a. or applicable to each
classification under Elections 28(d)(1)b. or c. for the allocation Plan Year.] 
  

											
		 	 (2)
	 	 Allocation method within each classification. Allocate the Nonelective Contribution within each
classification as follows (Choose one of a., b., or c.):

					
		 		 	 a.
	 	 [   ]
	  	 Pro rata. As a uniform percentage of Compensation of each Participant within the
classification.

					
		 		 	 b.
	 	 [   ]
	  	 Flat dollar. The same dollar amount to each Participant within the classification.

						
		 		 	 c.
	 	 [   ]
	  	 Describe:
	 	  

		 		 		 		  	 (e.g., Allocate pro rata to NHCEs and flat dollar to HCEs.)

  

					
	 (e)
	 	 [   ]
	 	 Age-based. [This is a nondesigned based safe harbor allocation
method.] In accordance with the age-based allocation provisions of Section 3.04(B)(5). The Plan Administrator will use the Actuarial Factors based on the following assumptions (Complete both (1) and
(2).):

  

															
		 	 (1)
	 	 Interest rate. (Choose one of a., b., or c.):
	  	
								
		 		 	 a.
	 	 [   ]
	  	 7.5%
	  	 b.        [   ]    8.0% 
	  	 c.        [   ]    8.5% 
	  	
			
		 	 (2)
	 	 Mortality table. (Choose one of a. or b.):

					
		 		 	 a.
	 	 [   ]
	  	 UP-1984. See Appendix D.

					
		 		 	 b.
	 	 [   ]
	  	 Alternative:
                                        
         (Specify 1983 GAM, 1983 IAM, 1971 GAM or 1971 IAM and attach applicable tables using such mortality table and the specified interest rate as replacement Appendix D.)

  

							
	 (f)
	 	 [   ]
	 	 Uniform points. In accordance with the uniform points allocation provisions of Section 3.04(B)(6). Under
the uniform points allocation formula, a Participant receives (Choose one or both of (1) and (2). Choose (3) if applicable.):

				
		 	 (1)
	 	 [   ]
	  	 Years of Service.
                                     point(s) for each
Year of Service. The maximum number of Years of Service counted for points is
                                .

			
		 		 	 “Year of Service” under this Election 28(f) means (Choose one of a. or b.):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 17 

 Volume Submitter 401(k) Plan 

 

											
		 		 	 a.
	 	 [   ]
	  	 Eligibility. Years of Service for eligibility in Election 16.

					
		 		 	 b.
	 	 [   ]
	  	 Vesting. Years of Service for vesting in Elections 43 and 44.

			
		 		 	 [Note: A Year of Service must satisfy Treas. Reg. §1.401(a)(4)-11(d)(3) for the uniform points
allocation to qualify as a safe harbor allocation under Treas. Reg. §1.401(a)(4)-2(b)(3).]

				
		 	 (2)
	 	 [   ]
	 	 Age.
                                        
     point(s) for each year of age attained during the Plan Year.

				
		 	 (3)
	 	 [   ]
	 	 Compensation.
                                     point(s) for each
$           (not to exceed $200) increment of Plan Year Compensation.

			
	 (g)
	 	 [X]
	 	 Related and Participating Employers. If any Related and Participating Employers (or in the case of a
Multiple Employer Plan, Participating Employers regardless of whether they are Related Employers) contribute Nonelective Contributions to the Plan, the Plan Administrator will allocate the Nonelective Contributions made by the Participating
Employer(s) under Election 27(d) (Complete (1) and (2).):

			
		 	 (1)
	 	 Allocation Method. (Choose one of a. or b.):

					
		 		 	 a.
	 	 [X]
	  	 All the same. Using the same allocation method as applies to the Signatory Employer under this Election
28.

					
		 		 	 b.
	 	 [   ]
	  	 At least one different. Under the following allocation method(s):
                                         
                                         
                .

			
		 	 (2)
	 	 Allocation sharing. The Plan Administrator will allocate the Nonelective Contributions made by the
Signatory Employer and by any Participating Employer (Choose one of a. or b.):

					
		 		 	 a.
	 	 [X]
	  	 Employer by Employer. Only to the Participants directly employed by the contributing
Employer.

					
		 		 	 b.
	 	 [   ]
	  	 Across Employer lines. To all Participants regardless of which Employer directly employs them and
regardless of whether their direct Employer made Nonelective Contributions for the Plan Year.

 [Note: Unless the Plan is a Multiple Employer Plan, the Employer should not elect 28(g) unless there
are Related Employers which are also Participating Employers. See Section 1.24(D) and Election 27(d). If the Employer elects 28(g)(2)a., the Employer should also elect 11(k)(2), to disregard the Compensation paid by “Y” Participating
Employer in determining the allocation of the “X” Participating Employer contribution to a Participant (and vice versa) who receives Compensation from both X and Y. If the Employer elects 28(g)(2)b., the Employer should not elect 11(k)(2).
Election 28(g)(2)a. does not apply to Safe Harbor Nonelective Contributions.] 
  

							
	 (h)
	 	 [   ]
	 	 Describe:
	 	  

		 		 	 (The formula described must satisfy the definitely determinable requirement under Treas. Reg.
§1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination purposes.)

 29.  QNEC
(PLAN-DESIGNATED) (3.04(C)(1)). The following provisions apply regarding Plan-Designated QNECs (Choose one of (a) or (b).): 

[Note: Regardless of its elections under this Election 29, the Employer under Section 3.04(C)(2) may elect for any Plan Year where the
Plan is using Current Year Testing to make Operational QNECs which the Plan Administrator will allocate only to NHCEs for purposes of correction of an ADP or ACP test failure.] 

 

											
	 (a)
	 	 [X]
	 	 Not applicable. There are no Plan-Designated QNECs.

			
	 (b)
	 	 [   ]
	 	 Applies. There are Plan-Designated QNECs to which the following provisions apply (Complete (1), (2),
and (3).):

			
		 	 (1)
	 	 Nonelective Contributions affected. The following Nonelective Contributions (as allocated to the
designated allocation group under Election 29(b)(2)) are Plan-Designated QNECs (Choose one of a. or b.):

					
		 		 	 a.      
	 	 [   ]   
	  	 All. All Nonelective Contributions.

					
		 		 	 b.
	 	 [   ]
	  	 Designated. Only the following Nonelective Contributions under Election 27:
                                         
                                         
  .

			
		 	 (2)
	 	 Allocation Group. Subject to Section 3.06, allocate the Plan-Designated QNEC (Choose one of a. or
b.):

					
		 		 	 a.
	 	 [   ]
	  	 NHCEs only. Only to NHCEs under the method elected in Election 29(b)(3).

					
		 		 	 b.
	 	 [   ]
	  	 All Participants. To all Participants under the method elected in Election 29(b)(3).

			
		 	 (3)
	 	 Allocation Method. The Plan Administrator will allocate a Plan-Designated QNEC using the following method
(Choose one of a., b., c., or d.):

					
		 		 	 a.
	 	 [   ]
	  	 Pro rata.

					
		 		 	 b.
	 	 [   ]
	  	 Flat dollar.

					
		 		 	 c.
	 	 [   ]
	  	 Reverse. See Section 3.04(C)(3).

						
		 		 	 d.
	 	 [   ]
	  	 Describe:
	 	  

		 		 		 		  	 (The formula described must satisfy the definitely determinable requirement under Treas. Reg.
§1.401-1(b). If the formula is non-uniform, it is not a design-based safe harbor for nondiscrimination purposes.)

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 [Note: See Section 4.10(D) as to targeting limitations applicable to QNEC nondiscrimination
testing.] 
 30.    SAFE HARBOR 401(k) PLAN (SAFE HARBOR CONTRIBUTIONS/ADDITIONAL MATCHING CONTRIBUTIONS)
(3.05). The Employer under Election 6(e) will (or in the case of the Safe Harbor Nonelective Contribution may) contribute the following Safe Harbor Contributions described in Section 3.05(E) and will or may contribute Additional Matching
Contributions described in Section 3.05(F) (Choose one of (a) through (e) when and as applicable. Complete (f) and (i). Choose (g), (h), and (j) as applicable.): 

					
			
	 (a)
	 	 [   ]
	  	 Safe Harbor Nonelective Contribution (including QACA). The Safe Harbor Nonelective Contribution
equals           % of a Participant’s Compensation [Note: The amount in the blank must be at least 3%. The Safe Harbor Nonelective Contribution applies toward (offsets)
most other Employer Nonelective Contributions. See Section 3.05(E)(12).]

			
	 (b)
	 	 [   ]
	  	 Safe Harbor Nonelective Contribution (including QACA)/delayed year-by-year election (maybe and supplemental
notices). In connection with the Employer’s provision of the maybe notice under Section 3.05(I)(1), the Employer elects into safe harbor status by giving the supplemental notice and by making this Election 30(b) to provide for a Safe
Harbor Nonelective Contribution equal to           % (specify amount at least equal to 3%) of a Participant’s Compensation. This Election 30(b) and safe harbor status applies for
the Plan Year ending:
                                        
 (specify Plan Year end), which is the Plan Year to which the Employer’s maybe and supplemental notices apply.

 [Note: An Employer distributing the maybe notice can use election 30(b) without completing the year.
Doing so requires the Plan to perform Current Year Testing unless the Employer decides to elect safe harbor status. If the Employer wishes to elect safe harbor status for a single year, the Employer must amend the Plan to enter the Plan Year end
above.] 
  

									
	 (c)
	 	 [   ]
	 	 Basic Matching Contribution. A Matching Contribution equal to 100% of each Participant’s Elective
Deferrals not exceeding 3% of the Participant’s Compensation, plus 50% of each Participant’s Elective Deferrals in excess of 3% but not in excess of 5% of the Participant’s Compensation. See Sections 1.35(E) and 3.05(E)(4).
(Complete (1).):

			
		 	 (1)
	 	 Time period. For purposes of this Election 30(c), “Compensation” and “Elective
Deferrals” mean Compensation and Elective Deferrals for:
                                        .
[Note: The Employer must complete the blank line with the applicable time period for computing the Basic Match, such as “each payroll period,” “each calendar month,” “each Plan Year quarter” or “the Plan
Year.”]

			
	 (d)
	 	 [   ]
	 	 QACA Basic Matching Contribution. A Matching Contribution equal to 100% of a Participant’s Elective
Deferrals not exceeding 1% of the Participant’s Compensation, plus 50% of each Participant’s Elective Deferrals in excess of 1% but not in excess of 6% of the Participant’s Compensation. (Complete (1).): [Note: This election
is available only if the Employer has elected the QACA automatic deferrals provisions under Election 21.]

			
		 	 (1)
	 	 Time period. For purposes of this Election 30(d), “Compensation” and “Elective
Deferrals” mean Compensation and Elective Deferrals for:
                                        .
[Note: The Employer must complete the blank line with the applicable time period for computing the QACA Basic Match, such as “each payroll period,” “each calendar month,” “each Plan Year quarter” or “the Plan
Year.”]

			
	 (e)
	 	 [   ]
	 	 Enhanced Matching Contribution (including QACA). See Sections 1.35(F) and 3.05(E)(6). (Choose one of
(1) or (2) and complete (3) for any election.):

				
		 	 (1)
	 	 [   ]
	  	 Uniform percentage. A Matching Contribution equal to
            % of each Participant’s Elective Deferrals but not as to Elective Deferrals exceeding
            % of the Participant’s Compensation.

				
		 	 (2)
	 	 [   ]
	  	 Tiered formula. A Matching Contribution equal to the specified matching rate for the corresponding level of
each Participant’s Elective Deferral percentage. A Participant’s Elective Deferral percentage is equal to the Participant’s Elective Deferrals divided by his/her Compensation.

 

									
					
	 	  	Elective Deferral Percentage	 	 	  	Matching Rate	  	 
		  	  

         %

 
	 		  	  

         %          
        
	  	
		  	          %

 
	 		  	
         %          
        
	  	
		  	          %
	 		  	
         %          
        
	  	

									
			
		 	 (3)
	 	 Time period. For purposes of this Election 30(e), “Compensation” and “Elective
Deferrals” mean Compensation and Elective Deferrals for:
                                        .
[Note: The Employer must complete the blank line with the applicable time period for computing the Enhanced Match, such as “each payroll period,” “each calendar month,” “each Plan Year quarter” or “the
Plan Year.”]

 [Note: The matching rate may not increase as the Elective Deferral percentage increases and the
Enhanced Matching formula otherwise must satisfy the requirements of Code §§401(k)(12)(B)(ii) and (iii) (taking into account Code §401(k)(13)(D)(ii) in the case of a QACA). If the Employer elects to satisfy the ACP safe harbor under
Election 38(a)(2)a., the Employer also must limit Elective Deferrals taken into account for the Enhanced Matching Contribution to a maximum of 6% of Plan Year Compensation.] 

 

							
	 (f)
	 	 Participants who will receive Safe Harbor Contributions. The allocation of Safe Harbor Contributions
(Choose one of (1), (2), or (3). Choose (4) if applicable.):

				
		 	 (1)
	 	 [   ]
	  	 Applies to all Participants. Applies to all Participants except as may be limited under Election 30(g).

				
		 	 (2)
	 	 [   ]
	  	 NHCEs only. Is limited to NHCE Participants only and may be limited further under Election 30(g). No HCE
will

		 		 		  	 receive a Safe Harbor Contribution allocation.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 
							
	(3)	 	[   ]	 	NHCEs and designated HCEs. Is limited to NHCE Participants and to the following HCE Participants and may be limited further under Election 30(g):
                                         
                                         
                                         
                                         
      .

 [Note: Any HCE allocation group the Employer describes under Election 30(f)(3) must be definitely
determinable. (e.g., Division “A” HCEs OR HCEs who own more than 5% of the Employer without regard to attribution rules).] 
  

									
		 	 (4)
	 	 [   ]
	 	 Applies to all Participants except Collective Bargaining Employees. Notwithstanding Elections 30(f)(1),
(2) or (3), the Safe Harbor Contributions are not allocated to Collective Bargaining (union) Employees and may be further limited under Election 30(g).

 

									
	 (g)
	 	 [   ]
	 	 Early Elective Deferrals/delay of Safe Harbor Contribution. The Employer may elect this Election 30(g)
only if the Employer in Election 14 elects eligibility requirements for Elective Deferrals of less than age 21 and/or one Year of Service but elects age 21 and one Year of Service for Safe Harbor Matching or for Safe Harbor Nonelective
Contributions. The Employer under this Election 30(g) applies the rules of Section 3.05(D) to limit the allocation of any Safe Harbor Contribution under Election 30 for a Plan Year to those Participants who the Plan Administrator in applying the OEE
rule described in Section 4.06(C), treats as benefiting in the disaggregated plan covering the Includible Employees.

			
	 (h)
	 	 [   ]
	 	Another plan. The Employer will make the Safe Harbor Contribution to the following plan:
                                         
                       .

  

					
	 (i)
	 	 Additional Matching Contributions. See Sections 1.35(G) and 3.05(F). (Choose one of (1) or
(2).):

													
				
		 	 (1)
	 	 [   ]
	 	 No Additional Matching Contributions. The Employer will not make any Additional Matching Contributions to
its safe harbor Plan.

				
		 	 (2)
	 	 [   ]
	 	 Additional Matching Contributions. The Employer will or may make the following Additional Matching
Contributions to its safe harbor Plan. (Choose a., b., and c. as applicable.):

					
		 		 	 a.
	 	 [   ]
	 	 Fixed Additional Matching Contribution. The following Fixed Additional Matching Contribution (Choose
(i) and (ii) as applicable and complete (iii) for any election.):

						
		 		 		 	 (i)
	 	 [   ]
	  	 Uniform percentage. A Matching Contribution equal to
          % of each Participant’s Elective Deferrals but not as to Elective Deferrals exceeding           % of the
Participant’s Compensation.

						
		 		 		 	 (ii)
	 	 [   ]
	  	 Tiered formula. A Matching Contribution equal to the specified matching rate for the corresponding level
of each Participant’s Elective Deferral percentage. A Participant’s Elective Deferral percentage is equal to the Participant’s Elective Deferrals divided by his/her
Compensation.

									
					
	 	  	Elective Deferral Percentage	 	 	  	Matching Rate	  	 
		  	  

          %

 
	 		  	  

          %         
         
	  	
		  	           %

 
	 		  	
          %         
         
	  	
		  	           %
	 		  	
          %         
         
	  	

													
					
		 		 		 	 (iii)
	 	 Time period. For purposes of this Election 30(i)(2)a., “Compensation” and “Elective Deferrals” mean
Compensation and Elective Deferrals for:
                                         
                                         
                                         
                                         
                     .
 [Note:
The Employer must complete the blank line with the applicable time period for computing the Additional Match, e.g., each payroll period, each calendar month, each Plan Year quarter OR the Plan Year. If the Employer elects a match under both (i) and
(ii) and will apply a different time period to each match, the Employer may indicate as such in the blank line.]

					
		 		 	 b.
	 	 [   ]
	 	 Discretionary Additional Matching Contribution. The Employer may make a Discretionary Additional Matching
Contribution. If the Employer makes a Discretionary Matching Contribution, the Discretionary Matching Contribution will not apply as to Elective Deferrals exceeding           % of the
Participant’s Compensation (complete the blank if applicable or leave blank).

					
		 		 		 	 (i)
	 	 Time period. For purposes of this Election 30(i)(2)b., “Compensation” and “Elective Deferrals” mean
Compensation and Elective Deferrals for:
                                         
                                         
                                         
                                         
                           .

[Note: The Employer must complete the blank line with the applicable time period for computing the Additional Discretionary Matching
Contribution, e.g., each payroll period, each calendar month, each Plan Year quarter OR the Plan Year. If the Employer fails to specify a time period, the Employer is deemed to have elected to compute its Additional Matching Contribution based on
the Plan Year.]

					
		 		 	 c.
	 	 [   ]
	 	 Describe Additional Matching Contribution formula and time period:
                                         
                                         
          
 (The formula described must satisfy the definitely determinable
requirement under Treas. Reg. §1.401-1(b) and, if the Employer elects to satisfy the ACP safe harbor under Election 38(a)(2)a., the formula must comply with Section 3.05(G).)

 [Note: If the Employer elects to satisfy the ACP safe harbor under Election 38(a)(2)a. then as to any
and all Matching Contributions, including Fixed Additional Matching Contributions and Discretionary Additional Matching Contributions: (i) the matching rate may not increase as the Elective Deferral percentage increases; (ii) no HCE may be entitled
to a greater rate of match than any NHCE; (iii) the Employer must limit Elective Deferrals taken into account for the Additional Matching Contributions to a maximum of 6% of Plan Year Compensation; (iv) the Plan must apply all Matching Contributions
to Catch-Up Deferrals; and (v) in the case of a Discretionary Additional Matching Contribution, the contribution amount may not exceed 4% of the Participant’s Plan Year Compensation.] 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 20 

 Volume Submitter 401(k) Plan 

 

					
	(j)	 	[   ]	 	 Multiple Safe Harbor Contributions in disaggregated Plan. The Employer elects to make different Safe Harbor
Contributions and/or Additional Matching Contributions to disaggregated parts of its Plan under Treas. Reg. §1.401(k)-1(b)(4) as follows:
                                         
                                         
                                         
                                         
                                         
                     

		 		 	 (Specify contributions for disaggregated plans, e.g., as to collectively bargained employees a 3% Nonelective Safe Harbor
Contribution applies and as to non-collectively bargained employees, the Basic Matching Contribution applies).

 31.  ALLOCATION CONDITIONS (3.06(B)/(C)). The Plan does not apply any allocation
conditions to: (i) Elective Deferrals; (ii) Safe Harbor Contributions; (iii) Additional Matching Contributions which will satisfy the ACP test safe harbor; (iv) Employee Contributions; (v) Rollover Contributions; (vi) Designated IRA Contributions;
(vii) SIMPLE Contributions; or (viii) Prevailing Wage Contributions. To receive an allocation of Matching Contributions, Nonelective Contributions or Participant forfeitures, a Participant must satisfy the following allocation condition(s)
(Choose one of (a) or (b). Choose (c) if applicable.): 
  

					
	 (a)
	 	[X]	 	 No conditions. No allocation conditions apply to Matching Contributions, to Nonelective Contributions or to
forfeitures.

			
	 (b)
	 	[   ]	 	 Conditions. The following allocation conditions apply to the designated Contribution Type and/or forfeitures
(Choose one or more of (1) through (7). Choose Contribution Type as applicable.):

 [Note: For this Election 31, except as the Employer describes otherwise in Election 31(b)(7) or as
provided in Sections 3.03(C)(2) and 3.04(C)(2) regarding Operational QMACs and Operational QNECs, Matching includes all Matching Contributions and Nonelective includes all Nonelective Contributions to which allocation conditions may apply. The
Employer under Election 31(b)(7) may not impose an Hour of Service condition exceeding 1,000 Hours of Service in a Plan Year.] 
  

																			
	 	 	 	 	 	 	 	 	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	 	 	 	 	 	 	 	 	  	Matching,
Nonelective
and Forfeitures	 	 	  	Matching	  	    Nonelective    	  	    Forfeitures    
									
		 	(1)	 	 [   ]	 	 None.
	  	 N/A

(See Election 31(a))
	 		  	[   ]	  	[   ]	  	[   ] 
									
		 	(2)	 	 [   ]	 	 501 HOS/terminees (91 consecutive days if
	  	[   ]	 	OR        	  	[   ]	  	[   ]	  	[   ] 
		 		 		 	 Elapsed Time). See Section 3.06(B)(1)(b).
	  		 		  		  		  	
									
		 	(3)	 	 [   ]	 	 Last day of the Plan Year.
	  	[   ]	 	OR	  	[   ]	  	[   ] 	  	[   ] 
									
		 	(4)	 	 [   ]	 	 Last day of the Election 31(c) time period.
	  	[   ]	 	OR	  	[   ]	  	[   ] 	  	[   ] 
									
		 	(5)	 	 [   ]	 	 1,000 HOS in the Plan Year (182 consecutive days in Plan Year if Elapsed
Time).
	  	[   ]	 	OR	  	[   ]	  	[   ] 	  	[   ] 
									
		 	(6)	 	 [   ]	 	           (specify) HOS within the
Election 31(c) time period, (but not exceeding 1,000 HOS in a Plan Year).
	  	[   ]	 	OR	  	[   ]	  	[   ] 	  	[   ] 
					
		 	(7)	 	 [   ]	 	 Describe conditions:
	 	  

		 		 		 	 (e.g., Last day of the Plan Year as to Nonelective Contributions for Participating
Employer “A” Participants. No allocation conditions for Participating Employer “B” Participants.)

  

																			
	(c)	 	 [   ]	 	 Time period. Under Section 3.06(C), apply Elections 31(b)(4), (b)(6), or (b)(7) to
the specified contributions/forfeitures based on each (Choose one or more of (1) through (5). Choose Contribution Type as applicable.):

									
		 	 (1)	 	  [   ]	 	  Plan Year.
	  	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]
									
		 	 (2)	 	  [   ]	 	  Plan Year quarter.
	  	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]
									
		 	 (3)	 	  [   ]	 	  Calendar month.
	  	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]
									
		 	 (4)	 	  [   ]	 	  Payroll period.
	  	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]
					
		 	 (5)	 	  [   ]	 	  Describe time period:
	 	  

 [Note: If the Employer elects 31(b)(4) or (b)(6), the Employer must choose (c). If the Employer elects
31(b)(7), choose (c) if applicable.] 
 32.  ALLOCATION CONDITIONS -
APPLICATION/WAIVER/SUSPENSION (3.06(D)/(F)). Under Section 3.06(D), in the event of Severance from Employment as described below, apply or do not apply Election 31(b) allocation conditions to the specified contributions/forfeitures as
follows (If the Employer elects 31(b), the Employer must complete Election 32. Choose one of (a) or (b). Complete (c).): 
 [Note:
For this Election 32, except as the Employer describes otherwise in Election 31(b)(7) or as provided in Sections 3.03(C)(2) and 3.04(C)(2) regarding Operational QMACs and Operational QNECs, Matching includes all Matching Contributions and
Nonelective includes all Nonelective Contributions to which allocation conditions may apply.] 
  

					
	(a)	 	[   ]	 	 Total waiver or application. If a Participant incurs a Severance from Employment on account of or following death,
Disability or attainment of Normal Retirement Age or Early Retirement Age (Choose one of (1) or (2).):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 21 

 Volume Submitter 401(k) Plan 

 

							
		 	 (1)
	  	 [   ]
	  	 Do not apply. Do not apply elected allocation conditions to Matching Contributions, to Nonelective Contributions or
to forfeitures.

				
		 	 (2)
	  	 [   ]
	  	 Apply. Apply elected allocation conditions to Matching Contributions, to Nonelective Contributions and to
forfeitures.

			
	 (b)
	 	 [   ]
	  	 Application/waiver as to Contribution Types events. If a Participant incurs a Severance from Employment,
apply allocation conditions except such conditions are waived if Severance from Employment is on account of or following death, Disability or attainment of Normal Retirement Age or Early Retirement Age as specified, and as applied to the
specified Contribution Types/forfeitures (Choose one or more of (1) through (4). Choose Contribution Type as applicable.):

  

																			
	 	 	 	  	 	  	 	  	(1)	 	 	 	 	  	(2)	  	(3)	  	(4)
	 	 	 	  	 	  	 	  	 Matching,

Nonelective

    and Forfeitures    
	 	 	 	 	  	    Matching    	  	    Nonelective    	  	    Forfeitures    
										
		 	 (1)
	  	 [   ]
	  	 Death.
	  	[   ]	 		 	OR      	  	[   ]	  	[   ]	  	[   ]
										
		 	 (2)
	  	 [   ]
	  	 Disability.
	  	[   ]	 		 	OR      	  	[   ]	  	[   ]	  	[   ]
										
		 	 (3)
	  	 [   ]
	  	 Normal Retirement Age.
	  	[   ]	 		 	OR      	  	[   ]	  	[   ]	  	[   ]
										
		 	 (4)
	  	 [   ]
	  	 Early Retirement Age.
	  	[   ]	 		 	OR      	  	[   ]	  	[   ]	  	[   ]
		
	 (c)
	 	 Suspension. The suspension of allocation conditions of Section 3.06(F) (Choose one of (1) or
(2).):

  

									
		 	 (1)
	  	 [   ]
	  	 Applies. Applies as follows (Choose one of a., b., or c.):

					
		 		  	 a.
	  	 [   ]
	  	 Both. Applies both to Nonelective Contributions and to Matching Contributions.

					
		 		  	 b.
	  	 [   ]
	  	 Nonelective. Applies only to Nonelective Contributions.

					
		 		  	 c.
	  	 [   ]
	  	 Match. Applies only to Matching Contributions.

				
		 	 (2)
	  	 [   ]
	  	 Does not apply.

 33.  FORFEITURE ALLOCATION METHOD (3.07). (Choose one of (a) or (b).): 

[Note: Even if the Employer elects immediate vesting, the Employer should complete Election 33. See Section 7.07.] 

 

					
	 (a)
	 	 [   ]
	  	 Safe harbor/top-heavy exempt. Apply all forfeitures to Safe Harbor Contributions and Plan expenses in accordance
with Section 3.07(A)(4).

			
	 (b)
	 	 [X]
	  	 Apply to Contributions. The Plan Administrator will allocate a Participant forfeiture attributable to all
Contribution Types or attributable to all Nonelective Contributions or to all Matching Contributions as follows (Choose one or more of (1) through (6) and choose Contribution Type as applicable. Choose (5) only in conjunction with at least
one other election.):

  

															
	 	 	 	 	 	  	 	  	(1)	 	 	  	(2)	  	(3)
	 	 	 	 	 	  	 	  	All
    Forfeitures	 	 	  	    Nonelective    
Forfeitures	  	Matching
    Forfeitures    
								
		 	 (1)
	 	 [   ]
	  	 Additional Nonelective. Allocate as additional Discretionary
	  	[   ]	 	  OR  	  	[   ]	  	[   ]
		 		 		  	 Nonelective Contribution.
	  		 		  		  	
								
		 	 (2)
	 	 [   ]
	  	 Additional Match. Allocate as additional Discretionary
	  	[   ]	 	OR	  	[   ]	  	[   ]
		 		 		  	 Matching Contribution.
	  		 		  		  	
								
		 	 (3)
	 	 [X]
	  	 Reduce Nonelective. Apply to Nonelective Contribution.
	  	[   ]	 	OR	  	[X]	  	[   ]
								
		 	 (4)
	 	 [X]
	  	 Reduce Match. Apply to Matching Contribution.
	  	[   ]	 	OR	  	[   ]	  	[X]
								
		 	 (5)
	 	 [   ]
	  	 Plan expenses. Pay reasonable Plan expenses.
	  	[   ]	 	OR	  	[   ]	  	[   ]
		 		 		  	 (See Section 7.04(C).)
	  		 		  		  	
				
		 	 (6)
	 	 [X]
	  	 Describe:   Match forfeitures can be used to pay reasonable plan expenses after reducing
matching contributions.                                

(must satisfy the definitely determinable requirement under Treas. Reg. §1.401-1(b) and be applied in a uniform and
nondiscriminatory manner; e.g., Forfeitures attributable to transferred balances from Plan X are allocated only to former Plan X participants.) 

 34.  AUTOMATIC ESCALATION (3.02(G)). The Automatic Escalation provisions of
Section 3.02(G) (Choose one of (a) or (b). See Election 21 regarding Automatic Deferrals. Automatic Escalation applies to Participants who have a Salary Reduction Agreement in effect.): 

 

					
	 (a)
	 	 [X]
	  	 Do not apply.

			
	 (b)
	 	 [   ]
	  	 Apply. (Complete (1), (2), (3), and if appropriate (4).):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 22 

 Volume Submitter 401(k) Plan 

 

									
		 	 (1)     
	  	 Participants affected. The Automatic Escalation applies to (Choose one of a., b., or
c.):

					
		 		  	 a.  
	  	 [    ]  
	 	 All Deferring Participants. All Participants who have a Salary Reduction Agreement in effect to defer at least
        % of Compensation.

					
		 		  	 b.
	  	 [    ]
	 	 New Deferral Elections. All Participants who file a Salary Reduction Agreement after the effective date of this
Election, or, as appropriate, any amendment thereto, to defer at least         % of Compensation.

					
		 		  	 c.
	  	 [    ]
	 	Describe affected Participants:
                                         
                                         
                                         
                                      

									
	
	 [Note: The Employer in Election 34(b)(1)c. may further describe affected Participants, e.g., non-Collective Bargaining Employees OR Division A Employees. The group of Participants must be definitely determinable and if an EACA under Election 21, must be uniform.]

			
		 	 (2)     
	  	 Automatic Increases. (Choose one of a. or b.):

					
		 		  	 a.  
	  	 [    ]  
	 	 Automatic increase. The Participant’s Elective Deferrals will increase by
        % per year up to a maximum of         % of Compensation unless the Participant has filed a Contrary Election after the effective date of this
Election or, as appropriate, any amendment thereto.

					
		 		  	 b.
	  	 [    ]
	 	Describe increase:
                                         
                                         
                                         
                                         
                     

									
	
	 [Note: The Employer in Election 34(b)(2)b. may define different increases for different groups of
Participants or may otherwise limit Automatic Escalation. Any such provisions must be definitely determinable.]

			
		 	       (3)     
	  	 Change Date. The Elective Deferrals will increase on the following day each Plan Year:

					
		 		  	 a. 
	  	 [    ]  
	 	 First day of the Plan Year.

					
		 		  	 b. 
	  	 [    ]
	 	Other:
                                         
                                         
                                         
                                         
                                         
  
		 		  		  		 	 (must be a specified or definitely determinable date that occurs at least annually)

			
		 	       (4)     
	  	 First Year of Increase. The automatic escalation provision will apply to a participant beginning with the
first Change Date after the Participant files a Salary Reduction Agreement (or, if sooner, the effective date of this Election, or, as appropriate, any amendment thereto), unless a. is selected below:

					
		 		  	 a.
	  	 [    ]  
	 	 The escalation provision will apply as of the second Change Date
thereafter.

									
	
	 35.   IN-PLAN ROTH
ROLLOVER CONTRIBUTION (3.08(E)). The following provisions apply regarding In-Plan Roth Rollover Contributions (Choose one of (a) or (b); also see Election
56(d)(1); leave blank if Election 6(b)(1) is not selected.):

			
	 (a) 
	 	 [    ]
	  	 Not Applicable. The Plan does not permit In-Plan Roth Rollover Contributions.

			
	 (b) 
	 	 [    ]   
	  	 Applies. The Plan permits In-Plan Roth Rollover Contributions. (Choose (1) if applicable.)

				
		 	 (1)
	  	 [    ]   
	  	 Effective Date.
                                     (enter date not earlier
than September 28, 2010; may be left blank if same as Plan or Restatement Effective Date).

									
	
	 36.  EMPLOYEE (AFTER-TAX) CONTRIBUTIONS
(3.09). The following additional elections apply to Employee Contributions under Election 6(f). (Choose one or both of (a) and (b) if applicable.):

			
	 (a) 
	 	 [    ]   
	  	 Additional limitations. The Plan permits Employee Contributions subject to the following limitations, if
any, in addition to those already imposed under the Plan:
                                         
                                         
                                         
                                         
                                         

									
	
	 [Note: Any designated limitation(s) must be the same for all Participants and must be definitely
determinable (e.g., Employee Contributions may not exceed the lesser of $5,000 dollars or 10% of Compensation for the Plan Year and/or Employee Contributions may not be less than $50 or 2% of Compensation per payroll
period).]

									
			
	 (b) 
	 	 [    ]   
	  	 Apply Matching Contribution. For each Plan Year, the Employer’s Matching Contribution made as
to Employee Contributions
is:                                        
                                         
                                         
                                         
                                         
                       

	
	 [Note: The Employer Matching Contribution formula must be the same for all Participants and must be
definitely determinable (e.g., A fixed Matching Contribution equal to 50% of Employee Contributions not exceeding 6% of Plan Year Compensation or A Discretionary Matching Contribution based on Employee Contributions).]

	
	 37.  DESIGNATED IRA CONTRIBUTIONS (3.12).
Under Election 6(h), a Participant may make Designated IRA Contributions. (Complete (a) and (b).):

									
		
	 (a) 
	 	 Type of IRA contribution. A Participant’s Designated IRA Contributions will be (Choose one of
(1), (2), or (3).):

				
		 	 (1)   
	  	 [    ]  
	  	 Traditional.

				
		 	 (2)
	  	 [    ]
	  	 Roth.

				
		 	 (3)
	  	 [    ]
	  	 Traditional/Roth. As the Participant elects at the time of contribution.

		
	 (b)
	 	 Type of Account. A Participant’s Designated IRA Contributions will be held in the following form of
Account(s) (Choose one of (1), 
 (2), or (3).):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 23 

 Volume Submitter 401(k) Plan 

 

											
		 	(1)	  	 [   ] 
	  	 IRA.

				
		 	(2)	  	 [   ] 
	  	 Individual Retirement Annuity.

				
		 	(3)	  	 [   ]
	  	 IRA/Individual Retirement Annuity. As the Participant elects at the time of contribution.

	
	 ARTICLE IV

LIMITATIONS AND TESTING

	
	38.  ANNUAL TESTING ELECTIONS (4.06(B)). The Employer makes the following Plan specific annual testing elections under Section 4.06(B). (Complete (a) and (b) as applicable. Leave (a) blank if
the Plan is a SIMPLE 401(k) plan.):
			
	 (a)
	 	[X]	  	 Nondiscrimination testing. (Choose one or more of (1), (2), and (3).):

			
		 	(1)	  	 [X] Traditional 401(k) Plan/ADP/ACP test. The following testing method(s) apply:

	
	 [Note: The Plan may “split test”. For Current Year Testing, See Section 4.11(E). For Prior
Year Testing, see Section 4.11(I) and, as to the first Plan Year, see Sections 4.10(B)(4)(f)(iv) and 4.10(C)(5)(e)(iv).]

			
		 		  	 ADP Test (Choose one of a. or b.) 

					
		 		  	 a.
	  	 [X]
	  	 Current Year Testing.

					
		 		  	 b.
	  	 [   ] 
	  	 Prior Year Testing.

			
		 		  	 ACP Test (Choose one of c., d., or e.) 

					
		 		  	 c.
	  	 [   ] 
	  	 Not applicable. The Plan does not permit Matching Contributions or Employee Contributions and the Plan
Administrator will not recharacterize Elective Deferrals as Employee Contributions for testing.

					
		 		  	 d.
	  	 [X]
	  	 Current Year Testing.

					
		 		  	 e.
	  	 [   ] 
	  	 Prior Year Testing.

				
		 	(2)	  	 [   ] 
	  	 Safe Harbor Plan/No testing or ACP test only. (Choose one of a. or b.):

					
		 		  	 a.
	  	 [   ] 
	  	 No testing. ADP test safe harbor applies and if applicable, ACP test safe harbor applies.

					
		 		  	 b.
	  	 [   ] 
	  	 ACP test only. ADP test safe harbor applies, but Plan will perform ACP test as follows (Choose one of
(i) or (ii).):

						
		 		  		  	 (i)
	  	 [   ] 
	  	 Current Year Testing.

						
		 		  		  	 (ii)
	  	 [   ] 
	  	 Prior Year Testing.

				
		 	(3)	  	 [   ] 
	  	 Maybe notice (Election 30(b)). See Section 3.05(I).

	
	 [Note: The Employer may make elections under both the Traditional 401(k) Plan and Safe Harbor Plan
elections, in order to accommodate a Plan that applies both testing elections (e.g., Safe Harbor Includible Employees group and tested Otherwise Excludible Employees group, or Safe Harbor Plan with tested
after-tax Employee Contributions). In the absence of an election regarding ADP or ACP tested contributions, Current Year Testing applies.]

			
	 (b)
	 	[   ] 	  	 HCE determination. The Top-Paid Group election and the calendar year data election are not used unless
elected below (Choose one or both of (1) and (2) if applicable.):

				
		 	(1)	  	 [   ]
	  	 Top-paid group election applies.

				
		 	(2)	  	 [   ]
	  	 Calendar year data election (fiscal year Plan only) applies.

	
	 ARTICLE V

VESTING REQUIREMENTS

	
	 39.  NORMAL RETIREMENT AGE (5.01). A Participant attains
Normal Retirement Age under the Plan on the following date (Choose one of (a) or (b).):

			
	 (a)
	 	[X]	  	 Specific age. The date the Participant attains age   60  . [Note: The age
may not exceed age 65.]

			
	 (b)
	 	[   ]	  	 Age/participation. The later of the date the Participant attains age
             or the              anniversary of the first day of the Plan Year in which the Participant commenced
participation in the Plan. [Note: The age may not exceed age 65 and the anniversary may not exceed the 5th.]

	
	 40.  EARLY RETIREMENT AGE (5.01). (Choose one of
(a) or (b).):

			
	 (a)
	 	[X]	  	 Not applicable. The Plan does not provide for an Early Retirement Age.

			
	 (b)
	 	[   ] 	  	 Early Retirement Age. Early Retirement Age is the later of: (i) the date a Participant attains age
              ; (ii) the date a Participant reaches his/her              anniversary of the first day of
the Plan Year in which the Participant commenced participation in the Plan; or (iii) the date a Participant completes              Years of Service.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 24 

 Volume Submitter 401(k) Plan 

 

 [Note: The Employer should leave blank any of clauses (i), (ii), and (iii) which are not
applicable.] 
 “Years of Service” under this Election 40 means (Choose one of (1) or (2) as applicable.): 

 

							
		 	 (1)
	 	 [   ]
	  	 Eligibility. Years of Service for eligibility in Election 16.

				
		 	 (2)
	 	 [   ]
	  	 Vesting. Years of Service for vesting in Elections 43 and 44.

 [Note: Election of an Early Retirement Age does not affect the time at which a Participant may receive a Plan
distribution. However, a Participant becomes 100% vested at Early Retirement Age.] 
 41.  ACCELERATION ON DEATH OR
DISABILITY (5.02). Under Section 5.02, if a Participant incurs a Severance from Employment as a result of death or Disability (Choose one of (a), (b), or (c).): 

 

							
	 (a)
	 	 [X]
	 	 Applies. Apply 100% vesting.

			
	 (b)
	 	 [   ]
	 	 Not applicable. Do not apply 100% vesting. The Participant’s vesting is in accordance with the
applicable Plan vesting schedule.

			
	 (c)
	 	 [   ]
	 	 Limited application. Apply 100% vesting, but only if a Participant incurs a Severance from Employment as
a result of (Choose one of (1) or (2).):

				
		 	 (1)
	 	 [   ]
	  	 Death.

				
		 	 (2)
	 	 [   ]
	  	 Disability.

 42.  VESTING SCHEDULE (5.03). A Participant has a 100% Vested interest at all times in
his/her Accounts attributable to: (i) Elective Deferrals; (ii) Employee Contributions; (iii) QNECs; (iv) QMACs; (v) Safe Harbor Contributions (other than QACA Safe Harbor Contributions); (vi) SIMPLE Contributions; (vii) Rollover Contributions;
(viii) Prevailing Wage Contributions; (ix) DECs; and (x) Designated IRA Contributions. The following vesting schedule applies to Regular Matching Contributions, to Additional Matching Contributions (irrespective of ACP testing status), to
Nonelective Contributions (other than Prevailing Wage Contributions) and to QACA Safe Harbor Contributions. (Choose (a) or choose one or both of (b) and (c) as applicable.): 

 

					
	 (a)
	 	 [   ]
	  	 Immediate vesting. 100% Vested at all times in all Accounts.

 [Note: Unless all Contribution Types are 100% Vested, the Employer should not elect 42(a). If
the Employer elects immediate vesting under 42(a), the Employer should not complete the balance of Election 42 or Elections 43 and 44 (except as noted therein). The Employer must elect 42(a) if the eligibility Service condition under Election 14 as
to all Contribution Types (except Elective Deferrals and Safe Harbor Contributions) exceeds one Year of Service or more than 12 months. The Employer must elect 42(b)(1) as to any Contribution Type where the eligibility service condition
exceeds one Year of Service or more than 12 months. The Employer should elect 42(b) if any Contribution Type is subject to a vesting schedule.] 
  

					
	 (b)
	 	 [X]
	  	 Vesting schedules: Apply the following vesting schedules (Choose one or more of (1) through (6). Choose
Contribution Type as applicable.):

  

																					
	 	 	 	 	 	  	 	 	 	 	(1)	 	 	  	(2)	  	(3)	  	(4)	  	(5)
	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	  	 	  	Additional	  	 
	 	 	 	 	 	  	 	 	 	 	All	 	 	  	 	  	Regular	  	Matching (See	  	QACA
	 	 	 	 	 	  	 	 	 	 	Contributions	 	 	  	  Nonelective  	  	  Matching  	  	  Section 3.05(F))  	  	  Safe Harbor  
										
		 	 (1)
	 	 [X]
	  	 Immediate vesting.
	 	N/A	 		  	[X]	  	[   ]	  	[   ]	  	[   ]
		 		 		  		 	(See Election 42(a))	 		  		  		  		  	
										
		 	 (2)
	 	 [   ]
	  	 6-year graded.
	 	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]	  	N/A
										
		 	 (3)
	 	 [   ]
	  	 3-year cliff.
	 	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]	  	N/A
										
		 	 (4)
	 	 [X]
	  	 Modified schedule:
	 	[   ]	 	OR       	  	[   ]	  	[X]	  	[   ]	  	N/A
		 		 		  	 Years of Service
	 	 Vested %
	 		 		  		  		  		  	
		 		 		  	 Less than 1
	 	 a.   0%  
	 		 		  		  		  		  	
		 		 		  	 1
	 	 b.   20%  
	 		 		  		  		  		  	
		 		 		  	 2
	 	 c.   40%  
	 		 		  		  		  		  	
		 		 		  	 3
	 	 d.   60%  
	 		 		  		  		  		  	
		 		 		  	 4
	 	 e.   80%  
	 		 		  		  		  		  	
		 		 		  	 5
	 	 f.   100%  
	 		 		  		  		  		  	
		 		 		  	 6 or more
	 	    100%
	 		 		  		  		  		  	
											
		 	 (5)
	 	 [   ]
	  	 2-year cliff.
	 		 	[   ]	 	OR      	  	[   ]	  	[   ]	  	[   ]	  	[   ]

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 25 

 Volume Submitter 401(k) Plan 

 

																					
	 	 	 	 	 	  	 	 	 	 	 	 	 	  	                                 	  	                                 	  	                                   
  	  	                         
		 	 (6)  
	 	 [   ]
	  	 Modified 2-year schedule:
	 	                  [   ]	 	                    OR	  	        [   ]    	  	[   ]	  	[   ]	  	[   ]
		 		 		  	Years of Service	 	 Vested %
	 		 		  		  		  		  	
		 		 		  	 Less than 1
	 	 a.           
	 		 		  		  		  		  	
		 		 		  	 1
	 	 b.           
	 		 		  		  		  		  	
		 		 		  	 2
	 	     100%	 		 		  		  		  		  	
	
	 [Note: If the Employer does not elect 42(a), the Employer under 42(b) must elect immediate vesting or
must elect one of the specified alternative vesting schedules. The Employer must elect either 42(b)(5) or (6) as to QACA Safe Harbor Contributions. The modified top-heavy schedule of Election 42(b)(4) must satisfy Code §411(a)(2)(B). If the
Employer elects Additional Matching under Election 30(i), the Employer should elect vesting under the Additional Matching column in this Election 42(b). That election applies to the Additional Matching even if the Employer has given the maybe notice
but does not give the supplemental notice for any Plan Year and as to such Plan Years, the Plan is not a safe harbor plan and the Matching Contributions are not Additional Matching Contributions. If the Plan’s Effective Date is before January
1, 2007, the Employer may wish to complete the override elections in Appendix B relating to the application of non-top-heavy vesting.]

			
	 (c)
	 	 [X]
	 	 Special vesting provisions:  (i) Ameristar Participants with 3 or more years of vesting service on
12/31/13 will be subject to the following 4 year graded vesting schedule for current balances and new contributions: 1 year-25%; 2 years-50%; 3 years-75%; 4 years-100%; (ii) Ameristar Participants with 2 years of vesting service on 12/31/13 will be
subject to the 4 year graded schedule described in (i) above for current balances and the following 5 year graded schedule for new contributions: 1 year-25%; 2 years-50%; 3 years-60%; 4 years-80%; 5 years-100%; (iii) Ameristar Participants with 1
year of vesting service on 12/31/13 will be subject to the 4 year graded schedule described in (i) above for current balances and the following 5 year graded schedule for new contributions: 1 year-25%; 2 years-40%; 3 years-60%; 4 years-80%; 5
years-100%; (iv) Ameristar Participants with 0 years of vesting service on 12/31/13 will be subject to the 4 year graded schedule described in (i) above for current balances and the following 5 year graded schedule for new contributions: 1 year-20%;
2 years-40%; 3 years-60%; 4 years-80%; 5 years-100%.; (v) The top-heavy 6 year graded vesting schedule shall apply to the following frozen sources: Employer Supplemental and Prior Company Match.; and (vi) Effective 4/1/14, all active and terminated
participants with participating employers Casino One Corporation d/b/a Lumiere Place Casino & Hotels and PNK(ES), LLC, shall be 100% vested in all employer contribution
sources.                                        
                                         
              

	
	 [Note: The Employer under Election 42(c) may describe special vesting provisions from the elections
available under Election 42 and/or a combination thereof as to a: (i) Participant group (e.g., Full vesting applies to Division A Employees OR to Employees hired on/before “x” date. 6-year graded vesting applies to Division B Employees OR
to Employees hired after “x” date.); and/or (ii) Contribution Type (e.g., Full vesting applies as to Discretionary Nonelective Contributions. 6-year graded vesting applies to Fixed Nonelective Contributions). Any special vesting provision
must satisfy Code §411(a) and must be nondiscriminatory.]

	
	 43.  YEAR OF SERVICE - VESTING
(5.05). (Complete both (a) and (b).):

	
	 [Note: If the Employer elects the Elapsed Time Method for vesting the Employer should not complete
this Election 43. If the Employer elects immediate vesting, the Employer should not complete Election 43 or Election 44 unless it elects to apply a Year of Service for vesting under any other Adoption Agreement election.]

		
	 (a)
	 	 Year of Service. An Employee must complete at least   1000   Hours of
Service during a Vesting Computation Period to receive credit for a Year of Service under Article V. [Note: The number may not exceed 1,000. If left blank, the requirement is 1,000.]

		
	 (b) 
	 	 Vesting Computation Period. The Plan measures a Year of Service based on the following 12-consecutive month period (Choose one of (1) or (2).):

								
		 	 (1) 
	 	 [X]   Plan Year.
	 		  		  		  		  	
								
		 	 (2) 
	 	 [   ]  Anniversary Year.
	 		  		  		  		  	
	
	 44.  EXCLUDED YEARS OF SERVICE - VESTING
(5.05(C)). (Choose (a) or (b).):

			
	 (a)
	 	 [X]
	 	 None. None other than as specified in Section 5.05(C)(1).

			
	 (b)
	 	 [   ]
	 	 Exclusions. The Plan excludes the following Years of Service for purposes of vesting (Choose one or more of
(1) through (4).):

			
		 	 (1) 
	 	 [   ]  Age 18. Any Year of
Service before the Vesting Computation Period during which the Participant attained the age of 18.

			
		 	 (2) 
	 	 [   ]  Prior to Plan establishment.
Any Year of Service during the period the Employer did not maintain this Plan or a predecessor plan.

			
		 	 (3) 
	 	 [   ]  Rule of Parity. Any
Year of Service excluded under the rule of parity. See Plan Section 5.06(C).

			
		 	 (4) 
	 	 [   ]  Additional exclusions. The following
Years of Service:
                                         
                                         
                                  

 [Note: The Employer under Election 44(b)(4) may describe vesting service exclusions provisions
available under Election 44 and/or a combination thereof as to a: (i) Participant group (e.g., No exclusions apply to Division A Employees OR to Employees hired on/before “x” date. The age 18 exclusion applies to Division B Employees OR to
Employees hired after “x” date.); or (ii) Contribution Type (e.g., No exclusions apply as to Discretionary Nonelective Contributions. The age 18 exclusion applies to Fixed Nonelective Contributions). Any exclusion specified under Election
44(b)(4) must comply with Code §411(a)(4). Any exclusion must be nondiscriminatory.] 

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 ARTICLE VI 

DISTRIBUTION OF ACCOUNT BALANCE 

45.  MANDATORY DISTRIBUTION  (6.01(A)(1)/6.08(D)).  The Plan provides or does not provide for
Mandatory Distribution of a Participant’s Vested Account Balance following Severance from Employment, as follows (Choose one of (a) or (b). Choose (c) if applicable.): 

 

									
	 (a)
	  	 [   ]
	  	 No Mandatory Distribution. The Plan will not make a Mandatory Distribution following Severance from
Employment.

			
	 (b)
	  	 [X]
	  	 Mandatory Distribution. The Plan will make a Mandatory Distribution following Severance from Employment.
(Complete (1) and (2). Choose (3) unless the Employer elects to limit Mandatory Distributions to $1,000 including Rollover Contributions under Elections 45(b)(1)b. and 45(b)(2)b.):

			
		  	 (1)
	  	 Amount limit. As to a Participant who incurs a Severance from Employment and who will receive
distribution before attaining the later of age 62 or Normal Retirement Age, the Mandatory Distribution maximum amount is equal to (Choose one of a., b., or c.):

					
		  		  	 a.
	  	 [X]
	    	 $5,000.

					
		  		  	 b.
	  	 [   ]
	    	 $1,000.

					
		  		  	 c.
	  	 [   ]
	    	 Specify amount: $           (may not exceed
$5,000).

			
		  		  	 [Note: This election only applies to the Mandatory Distribution maximum amount. For other Plan provisions
subject to a $5,000 limit, see election 56(g)(7) in Appendix B.]

			
		  	 (2)
	  	 Application of Rollovers to amount limit. In determining whether a Participant’s Vested Account
Balance exceeds the Mandatory Distribution dollar limit in Election 45(b)(1), the Plan (Choose one of a. or b.):

					
		  		  	 a.
	  	 [   ]
	    	 Disregards Rollover Contribution Account.

					
		  		  	 b.
	  	 [X]
	    	 Includes Rollover Contribution Account.

				
		  	 (3)
	  	 [X]
	  	 Amount of Mandatory Distribution subject to Automatic Rollover. A Mandatory Distribution to a Participant
before attaining the later of age 62 or Normal Retirement Age is subject to Automatic Rollover under Section 6.08(D) (Choose one of a. or b.):

					
		  		  	 a.
	  	 [X]
	    	 Only if exceeds $1,000. Only if the amount of the Mandatory Distribution exceeds $1,000, which for this purpose must
include any Rollover Contributions Account.

					
		  		  	 b.
	  	 [   ]
	    	 Specify lesser amount. Only if the amount of the Mandatory Distribution is at least:
$           (specify $1,000 or less), which for this purpose must include any Rollover Contributions Account.

			
	 (c)
	  	 [   ]
	  	 Required distribution at Normal Retirement Age. A severed Participant may not elect to delay distribution
beyond the later of age 62 or Normal Retirement Age.

	
	 46.  SEVERANCE DISTRIBUTION TIMING (6.01). Subject to the timing limitations of Section
6.01(A)(1) in the case of a Mandatory Distribution, or in the case of any Distribution Requiring Consent under Section 6.01(A)(2), for which consent is received, the Plan Administrator will instruct the Trustee to distribute a Participant’s
Vested Account Balance as soon as is administratively practical following the time specified below (Choose one or more of (a) through (i) as applicable; choose (j) if applicable.):

 
 [Note: If a Participant dies after Severance from
Employment but before receiving distribution of all of his/her Account, the elections under this Election 46 no longer apply. See Section 6.01(B) and Election 50.]

  

													
	 	    	 	  	 	  	 	  	(1)
Mandatory
Distribution	 	     	  	 (2)

Distribution
Requiring Consent

							
	 (a)
	    	 [X]
	  	 Immediate. Immediately following Severance from Employment.
	  		  	[X]	 		  	[X]
							
	 (b)
	    	 [   ]
	  	 Next Valuation Date. After the next Valuation Date following
	  		  	[   ]	 		  	[   ]
		    		  	 Severance from Employment.
	  		  		 		  	
							
	 (c)
	    	 [   ]
	  	 Plan Year. In the          Plan Year following
	  		  	[   ]	 		  	[   ]
		    		  	 Severance from Employment (e.g., next or fifth).
	  		  		 		  	
							
	 (d)
	    	 [   ]
	  	 Plan Year quarter. In the          Plan Year quarter
following
	  		  	[   ]	 		  	[   ]
		    		  	 Severance from Employment (e.g., next or fifth).
	  		  		 		  	
							
	 (e)
	    	 [   ]
	  	 Contribution Type Accounts.
                                     (specify timing)

 as to the Participant’s
                                   Account(s) and 

                          
           (specify timing) as to the Participant’s

                          
                   Account(s) (e.g., As soon as is practical following Severance from Employment as to the Participant’s Elective
Deferral Account and as soon as is practical in the next Plan 
	  		  	[   ]	 		  	[   ]

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

															
		  		    	Year following Severance from Employment as to the Participant’s Nonelective and Matching Accounts).	 		  		 		  		 	
								
	 (f)
	  	 [   ]
	    	Vesting controlled timing. If the Participant’s total Vested Account Balance exceeds $          , distribute
                                 (specify timing) and if the Participant’s
total Vested Account Balance does not exceed $          , distribute
                                 (specify timing).	 		  	 [   ]
	 		  	 [   ]
	 	
								
	 (g)
	  	 [   ]
	    	 Distribute at Normal Retirement Age. As to a Mandatory Distribution, distribute not later than 60 days after the beginning of the Plan
Year following the Plan Year in which the previously severed Participant attains the earlier of Normal Retirement Age or age 65.
 [Note: An election under
column (2) only will have effect if the Plan’s NRA is less than age 62.]
	 		  	 [   ]
	 		  	 [   ]
	 	
								
	 (h)
	  	 [   ]
	    	No buy-back/vesting controlled timing. Distribute as soon as is practical following Severance from Employment if the Participant is fully Vested. Distribute as soon as is practical following a Forfeiture Break in Service if
the Participant is not fully Vested.	 		  	 [   ]
	 		  	 [   ]
	 	
			
	 (i)
	  	 [   ]
	    	Describe Severance from Employment distribution timing:
                                         
                                         
                                  

 [Note: The Employer under Election 46(i) may describe Severance from Employment distribution timing
provisions from the elections available under Election 46 and/or a combination thereof as to any: (i) Participant group (e.g., Immediate distribution after Severance from Employment applies to Division A Employees OR to Employees hired on/before
“x” date. Distribution after the next Valuation Date following Severance from Employment applies to Division B Employees OR to Employees hired after “x” date.); (ii) Contribution Type and Participant group (e.g., As to Division A
Employees, immediate distribution after Severance from Employment applies as to Elective Deferral Accounts and distribution after the next Valuation Date following Severance from Employment applies to Nonelective Contribution Accounts); and/or (iii)
merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer’s
election under Election 46(i) must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) comply with Code §401(a)(14) timing requirements; (iv) be nondiscriminatory and (v) preserve Protected Benefits as
required.] 
  

							
	 (j)
	  	 [   ]
	  	 Acceleration. Notwithstanding any later specified distribution date in Election 46, a Participant may
elect an earlier distribution following Severance from Employment (Choose (1) and (2) as applicable.):

				
		  	 (1)
	  	 [   ]
	  	 Disability. If Severance from Employment is on account of Disability or if the Participant incurs a Disability
following Severance from Employment.

				
		  	 (2)
	  	 [   ]
	  	 Hardship. If the Participant incurs a hardship under Section 6.07(B) following Severance from
Employment.

 47.  IN-SERVICE DISTRIBUTIONS/EVENTS
(6.01(C)).  A Participant may elect an In-Service Distribution of the designated Contribution Type Accounts based on any of the following events in accordance with Section 6.01(C) (Choose
one of (a) or (b).): 
 [Note: If the Employer elects any In-Service Distribution
option, a Participant may elect to receive as many In-Service Distributions per Plan Year (with a minimum of one per Plan Year) as the Plan Administrator’s
In-Service Distribution form or policy may permit. If the form or policy is silent, the number of In-Service Distributions is not limited. Prevailing Wage Contributions
are treated as Nonelective Contributions. See Section 6.01(C)(4)(d) if the Employer elects to use Prevailing Wage Contributions to offset other contributions.] 
  

					
	 (a)
	  	 [   ]
	  	 None. The Plan does not permit any In-Service Distributions except as to any of the following (if applicable): (i)
RMDs under Section 6.02; (ii) Protected Benefits; and (iii) Designated IRA Contributions. Also see Section 6.01(C)(4)(e) with regard to Rollover Contributions, Employee Contributions and DECs.

			
	 (b)
	  	 [X]
	  	 Permitted. In-Service Distributions are permitted as follows from the designated Contribution Type Accounts
(Choose one or more of (1) through (9).):

 [Note: Unless the Employer elects otherwise in Election (b)(9) below, Elective Deferrals under Election
47(b) includes Pre-Tax and Roth Deferrals and Matching Contributions includes Additional Matching Contributions (irrespective of the Plan’s ACP testing status).] 

 

																			
	 	    	 	  	 	  	 (1)

All
 Contrib.
	  	 (2)

Elective
Deferrals
	  	 (3)

Safe Harbor
Contrib.
	  	 (4)

     

QNECs
	  	 (5)

     

QMACs
	  	 (6)

Matching
Contrib.
	  	(7)
Nonelective/
SIMPLE
										
	 (1)
	    	 [   ]
	  	 None. Except for
	  	N/A	  	[   ]	  	[   ]	  	[   ]	  	[   ]	  	[   ]	  	[   ]
		    		  	 Election 47(a)

exceptions.
	  	(See Election 47(a))	  		  		  		  		  		  	

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

																							
		 	 (2)
	 	 [X]
	 	Age (Choose one or both of a. and b.):	  		 		 		 		 		 		 	
												
		 		 	 a.
	 	[X]	  	Age   59 1/2   (must be at least 59 1/2).	  	  [X]    OR	 	    [   ]	 	[   ]	 	[   ]	 	[   ]	 	[   ]	 	    [   ]        
												
		 		 	 b.
	 	[   ]	  	Age            (may be less than 59 1/2).	  	   N/A	 	    N/A	 	N/A	 	N/A	 	N/A	 	[   ]	 	    [   ]        
											
		 	 (3)
	 	 [X]
	 	Hardship (Choose one or both of a. and b.):	  		 		 		 		 		 		 	
												
		 		 	 a.
	 	[X]	  	Hardship (safe harbor). See Section 6.07(A).	  	   N/A	 	    [X]	 	N/A	 	N/A	 	N/A	 	[X]	 	    [X]        
												
		 		 	 b.
	 	[   ]	  	Hardship (non-safe harbor). See Section 6.07(B).	  	   N/A	 	    [   ]	 	N/A	 	N/A	 	N/A	 	[   ]	 	    [   ]        
											
		 	 (4)
	 	 [   ]
	 	Disability.	  	  [   ]    OR	 	    [   ]	 	[   ]	 	[   ]	 	[   ]	 	[   ]	 	    [   ]        
											
		 	 (5)
	 	 [   ]
	 	            year contributions.

(specify minimum of two years) See Section 6.01(C)(4)(a)(i).
	  	 N/A	 	    N/A	 	N/A	 	N/A	 	N/A	 	[   ]	 	    [   ]        
											
		 	 (6)
	 	 [   ]
	 	            months of participation. (specify
minimum of 60 months) See Section 6.01(C)(4)(a)(ii). 
	  	 N/A	 	    N/A	 	N/A	 	N/A	 	N/A	 	[   ]	 	    [   ]        
											
		 	 (7)
	 	 [   ]
	 	Qualified Reservist Distribution. See Section 6.01(C)(4)(b)(iii).	  	 N/A	 	    [   ]	 	N/A	 	N/A	 	N/A	 	N/A	 	    N/A        
											
		 	 (8)
	 	 [X]
	 	 Deemed Severance Distribution.

See Section 6.11.
	  	  [X]	 	    [   ]	 	[   ]	 	[   ]	 	[   ]	 	[   ]	 	    [   ]        
				
		 	 (9)
	 	 [X]
	 	Describe:  All in-service withdrawals are not allowed from vested balances invested in Company
Stock.                                        
  

 [Note: The Employer under Election 47(b)(9) may describe
In-Service Distribution provisions from the elections available under Election 47 and/or a combination thereof as to any: (i) Participant group (e.g., Division A Employee Accounts are distributable at age 59
1/2 OR Accounts of Employees hired on/before “x” date are distributable at age 59 1/2. No In-Service Distributions apply to Division B Employees OR to Employees hired after “x” date.); (ii) Contribution Type (e.g., Discretionary
Nonelective Contribution Accounts are distributable on Disability. Fixed Nonelective Contribution Accounts are distributable on Disability or Hardship (non-safe harbor)); and/or (iii) merged plan account now held in the Plan (e.g., The accounts from
the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer’s election under Election 47(b)(9) must: (i) be objectively
determinable; (ii) not be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an “early” distribution of any Restricted 401(k) Accounts or Restricted Pension
Accounts. See Sections 6.01(C)(4) and 11.02(C)(3).] 

48.   IN-SERVICE DISTRIBUTIONS/ADDITIONAL CONDITIONS
(6.01(C)). The following additional conditions apply to In-Service Distributions under Election 47(b) (Choose one of (a) or (b).): 

 

									
	 (a)
	 	 [X]
	 	 Additional conditions. (Choose one or more of (1) through (3) as applicable.):

				
		 	 (1)
	 	 [X]
	 	 100% vesting required. A Participant may not receive an In-Service Distribution unless the Participant is
100% Vested in the distributing Account. This restriction applies to (Choose one or more of a. or b.):

					
		 		 	 a.
	 	 [X]
	  	 Hardship distributions. Distributions based on hardship.

					
		 		 	 b.
	 	 [X]
	  	 Other In-Service. In-Service distributions other than distributions based on hardship.

				
		 	 (2)
	 	 [   ]
	 	 Minimum amount. A Participant may not receive an In-Service Distribution in an amount which is less than:
$           (specify amount not exceeding $1,000).

				
		 	 (3)
	 	 [X]
	 	 Describe other conditions:    The additional limitations indicated above do not
apply to distributions for deemed severance of employment, but the amount of the distribution may not exceed the vested amount in the distributing
account.                                        
                                         
                                         
                                         
                                    

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 [Note: An Employer’s election under Election 48(a)(3) must: (i) be objectively determinable; (ii) not
be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an “early” distribution of any Restricted 401(k) Accounts or Restricted Pension Accounts. See Section
6.01(C)(4).] 
  

					
	 (b)
	 	 [   ]
	  	 No other conditions. A Participant may elect to receive an In-Service
Distribution upon any Election 47(b) event without further condition, provided that the amount distributed may not exceed the Vested amount in the distributing Account.

 49.  POST-SEVERANCE AND LIFETIME RMD
DISTRIBUTION METHODS (6.03). A Participant whose Vested Account Balance exceeds $5,000 (or any lesser amount elected in Appendix B, Election 56(g)(7)): (i) who has incurred a Severance from Employment and will receive a distribution; or
(ii) who remains employed but who must receive lifetime RMDs, may elect distribution under one of the following method(s) of distribution described in Section 6.03 and subject to any Section 6.03 limitations. (Choose one or more of (a) through
(f) as applicable.): 
 [Note: If a Participant dies after Severance from Employment but before receiving distribution of all of
his/her Account, the elections under this Election 49 no longer apply. See Section 6.01(B) and Election 50.] 
  

					
	 (a)
	 	 [X]
	  	 Lump-Sum. See Section 6.03(A)(3).

			
	 (b)
	 	 [   ]
	  	 Installments only if Participant subject to lifetime RMDs. A Participant who is required to receive lifetime RMDs may
receive installments payable in monthly, quarterly or annual installments equal to or exceeding the annual RMD amount. See Sections 6.02(A) and 6.03(A)(4)(a).

			
	 (c)
	 	 [X]
	  	 Installments. See Section 6.03(A)(4).

			
	 (d)
	 	 [   ]
	  	Alternative Annuity:
                                        
                                         
                                         
                                         
         .
		 		  	 See Section 6.03(A)(5).

 [Note: Under a Plan which is subject to the joint and survivor annuity distribution requirements of Section
6.04 (Election 51(b)), the Employer may elect under 49(d) to offer one or more additional annuities (Alternative Annuity) to the Plan’s QJSA, QPSA or QOSA. If the Employer elects under Election 51(a) to exempt Exempt Participants from the joint
and survivor annuity requirements, the Employer should not elect to provide an Alternative Annuity under 49(d).] 
  

					
	 (e)
	 	 [X]
	  	 Ad-Hoc distributions. See Section 6.03(A)(6).

	
	 [Note: If an Employer elects to permit Ad-Hoc distributions the option must be available to all
Participants.]

			
	 (f)
	 	 [   ]
	  	Describe distribution method(s):
                                         
       
                                         
                                         
                          

 [Note: The Employer under Election 49(f) may describe Severance from Employment distribution methods
from the elections available under Election 49 and/or a combination thereof as to any: (i) Participant group (e.g., Division A Employee Accounts are distributable in a Lump-Sum OR Accounts of Employees hired after “x” date are
distributable in a Lump-Sum. Division B Employee Accounts are distributable in a Lump-Sum or in Installments OR Accounts of Employees hired on/before “x” date are distributable in a Lump-Sum or in Installments.); (ii) Contribution Type
(e.g., Discretionary Nonelective Contribution Accounts are distributable in a Lump-Sum. Fixed Nonelective Contribution Accounts are distributable in a Lump-Sum or in Installments); and/or (iii) merged plan
account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be distributable in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer’s election
under Election 49(f) must: (i) be objectively determinable; (ii) not be subject to Employer, Plan Administrator or Trustee discretion; (iii) be nondiscriminatory; and (iv) preserve Protected Benefits as required.] 

50.  BENEFICIARY DISTRIBUTION ELECTIONS (6.01(B)). Distributions following a Participant’s death will be made as
follows (Choose one of (a), (b), or (c); choose (d) if applicable.): 
  

					
	 (a)
	 	 [   ]
	  	 Immediate. As soon as practical following the Participant’s death.

			
	 (b)
	 	 [   ]
	  	 Next Calendar Year. At such time as the Beneficiary may elect, but in any event on or before the last day of the
calendar year which next follows the calendar year of the Participant’s death.

			
	 (c)
	 	 [X]
	  	 As Beneficiary elects. At such time as the Beneficiary may elect, consistent with Section 6.02.

			
	 (d)
	 	 [   ]
	  	 Describe:
                                         
                                         
                                         
                                         
                                  

 [Note: The Employer under Election 50(d) may describe an alternative distribution timing or afford the
Beneficiary an election which is narrower than that permitted under election 50(c), or include special provisions related to certain beneficiaries, (e.g., a surviving spouse). However, any election under Election 50(d) must require distribution to
commence no later than the Section 6.02 required date.] 
 51.  JOINT AND SURVIVOR ANNUITY REQUIREMENTS (6.04).
The joint and survivor annuity distribution requirements of Section 6.04 (Choose one of (a) or (b).): 
  

							
	 (a)
	 	[X]  	  	 Profit sharing exception. Do not apply to an Exempt Participant, as described in Section 6.04(G)(1), but
apply to any other Participants (or to a portion of their Account as described in Section 6.04(G)) (Complete (1).):

			
		 	(1)  	  	 One-year marriage rule. Under Section 7.05(A)(3) relating to an Exempt Participant’s Beneficiary
designation under the profit sharing exception (Choose one of a. or b.):

			
		 		  	 a.     [    ]     Applies. The one-year
marriage rule applies.

  
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Bank, N.A. or its suppliers 
 30 

 Volume Submitter 401(k) Plan 

 

									
		 		 	 b.
	 	 [X]
	 	 Does not apply. The one-year marriage rule does not apply.

			
	 (b)
	 	 [   ]
	 	 Joint and survivor annuity applicable. Section 6.04 applies to all Participants (Complete
(1).):

			
		 	 (1)
	 	 One-year marriage rule. Under Section 6.04(B) relating to the QPSA (Choose one of a. or
b.):

					
		 		 	 a.
	 	 [   ]
	 	 Applies. The one-year marriage rule applies.

					
		 		 	 b.
	 	 [   ]
	 	 Does not apply. The one-year marriage rule does not apply.

 ARTICLE VII 

ADMINISTRATIVE PROVISIONS 

52.  ALLOCATION OF EARNINGS (7.04(B)). For each Contribution Type provided under the Plan, the Plan allocates Earnings
using the following method (Choose one or more of (a) through (f). Choose Contribution Type as applicable.): 
 [Note:
Elective Deferrals/Employee Contributions also includes Rollover Contributions, Transfers, DECs and Designated IRA Contributions, Matching Contributions includes all Matching Contributions and Nonelective Contributions includes all Nonelective
Contributions, unless described otherwise in Election 52(f).] 
  

															
	 	 	 	 	 	  	(1)	 	 	  	(2)	  	(3)	  	(4)
	 	 	 	 	 	  	 	 	 	  	Elective Deferrals/	  	 	  	 
	 	 	 	 	 	  	All	 	 	  	Employee	  	Matching	  	Nonelective
	 	 	 	 	 	  	    Contributions    	 	 	  	Contributions	  	    Contributions    	  	Contributions
								
	 (a)
	 	 [   ]
	 	 Daily. See Section 7.04(B)(4)(a).
	  	[   ]	 	    OR      	  	[   ]	  	[   ]	  	[   ]
								
	 (b)
	 	 [   ]
	 	 Balance forward.

See Section 7.04(B)(4)(b).
	  	[   ]	 	    OR      	  	[   ]	  	[   ]	  	[   ]
								
	 (c)
	 	 [   ]
	 	 Balance forward with adjustment. 

See Section 7.04(B)(4)(c). Allocate pursuant to the balance forward method, except treat as part of the relevant Account at the beginning of the
Valuation Period                 % of the contributions made during the following Valuation Period:
                                    .
	  	[   ]	 	    OR      	  	[   ]	  	[   ]	  	[   ]
								
	 (d)
	 	 [   ]
	 	 Weighted average. See Section 7.04(B)(4)(d). If not a monthly weighting period, the weighting period is:
                                         
                   .
	  	[   ]	 	    OR      	  	[   ]	  	[   ]	  	[   ]
								
	 (e)
	 	 [X]
	 	 Participant-Directed Account method. See Section 7.04(B)(4)(e).
	  	[X]	 	    OR      	  	[   ]	  	[   ]	  	[   ]

  

							
	 (f)  
	 	 [   ]
	 	 Describe Earnings allocation method: 
	 	 

 [Note: The Employer under Election 52(f) may describe Earnings allocation methods from the elections
available under Election 52 and/or a combination thereof as to any: (i) Participant group (e.g., Daily applies to Division A Employees OR to Employees hired after “x” date. Balance forward applies to Division B Employees OR to Employees
hired on/before “x” date.); (ii) Contribution Type (e.g., Daily applies as to Discretionary Nonelective Contribution Accounts. Participant-Directed Account applies to Fixed Nonelective Contribution Accounts); (iii) investment type,
investment vendor or Account type (e.g., Balance forward applies to investments placed with vendor A and Participant-Directed  Account applies to investments placed with vendor B OR Daily applies to Participant-Directed Accounts and balance forward applies to pooled  Accounts); and/or (iv) merged plan account now held in the Plan (e.g., The accounts from the X plan merged into this Plan continue to be
subject to Earnings allocation in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer’s election under Election 52(f) must: (i) be objectively determinable; (ii) not be subject to
Employer discretion; and (iii) be nondiscriminatory.] 
 ARTICLE VIII 

TRUSTEE AND CUSTODIAN, POWERS AND DUTIES 

53.  VALUATION OF TRUST (8.02(C)(4)). In addition to the last day of the Plan Year, the Trustee (or Named Fiduciary as
applicable) must value the Trust Fund on the following Valuation Date(s) (Choose one or more of (a) through (d). Choose Contribution Type as applicable.): 

[Note: Elective Deferrals/Employee Contributions also include Rollover Contributions, Transfers, DECs and Designated IRA
Contributions, Matching Contributions includes all Matching Contributions and Nonelective Contributions includes all Nonelective Contributions, unless described otherwise in Election 53(d).] 

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

															
	 	 	 	 	 	 	(1)	 	 	 	(2)	 	(3)	 	(4)
	 	 	 	 	 	 	 	 	 	 	  Elective Deferrals/  	 	 	 	 
	 	 	 	 	 	 	All
Contributions    	 	 	 	Employee
Contributions	 	 Matching

  Contributions  
	 	 Nonelective

  Contributions

								
	 (a)
	 	 [   ]
	 	 No additional Valuation Dates.
	 	[   ]	 	      OR      	 	[   ]	 	[   ]	 	[   ]
								
	 (b)
	 	 [X]
	 	 Daily Valuation Dates. Each business day of the Plan Year on which Plan assets for which there is an established
market are valued and the Trustee is conducting business.
	 	[X]	 	      OR      	 	[   ]	 	[   ]	 	[   ]
								
	 (c)
	 	 [   ]
	 	 Last day of a specified period. The last day of each
           of the Plan Year.
	 	[   ]	 	      OR      	 	[   ]	 	[   ]	 	[   ]

  

							
	 (d) 
	 	 [   ]
	 	 Specified Valuation Dates:
	 	 

 [Note: The Employer under Election 53(d) may describe Valuation Dates from the elections available
under Election 53 and/or a combination thereof as to any: (i) Participant group (e.g., No additional Valuation Dates apply to Division A Employees OR to Employees hired after “x” date. Daily Valuation Dates apply to Division B Employees OR
to Employees hired on/before “x” date.); (ii) Contribution Type (e.g., No additional Valuation Dates apply as to Discretionary Nonelective Contribution Accounts. The last day of each Plan Year quarter applies to Fixed Nonelective
Contribution Accounts); (iii) investment type, investment vendor or Account type (e.g., No additional Valuation Dates apply to investments placed  with vendor A and Daily Valuation Dates apply to investments placed with vendor B OR Daily
Valuation Dates apply to Participant-Directed  Accounts and no additional Valuation Dates apply to pooled Accounts); and/or (iv) merged plan account now held in the Plan (e.g., The accounts from the X
plan merged into this Plan continue to be subject to Trust valuation in accordance with the X plan terms [supply terms] and not in accordance with the terms of this Plan). An Employer’s election under Election 53(d) must: (i) be objectively
determinable; (ii) not be subject to Employer discretion; and (iii) be nondiscriminatory.] 
 ARTICLE XII 

MULTIPLE EMPLOYER PLAN 

54.   MULTIPLE EMPLOYER PLAN (12.01/12.02/12.03). The Employer makes the following elections regarding the
Plan’s Multiple Employer Plan status and the application of Article XII (Choose one of (a) or (b).): 
  

											
	 (a) 
	 	 [X]
	 	 Not applicable. The Plan is not a Multiple Employer Plan and Article XII does not apply.

			
	 (b) 
	 	 [   ]
	 	 Applies. The Plan is a Multiple Employer Plan and the Article XII Effective Date is:
                                        .
The Employer makes the following additional elections (Choose (1) if applicable.):

				
		 	 (1)
	 	 [   ]
	 	 Participating Employer may modify. See Section 12.03. A Participating Employer in the Participation
Agreement may modify Adoption Agreement elections applicable to each Participating Employer (including electing to not apply Adoption Agreement elections) as follows (Choose one of a. or b. Choose c. if applicable.):

					
		 		 	 a.
	 	 [   ]
	 	 All. May modify all elections.

					
		 		 	 b.
	 	 [   ]
	 	 Specified elections. May modify the following elections:
                                        
 (specify by election number).

						
		 		 	 c.
	 	 [   ]
	 	
Restrictions. May modify subject to the following additional restrictions: 
	 	 
		 		 		 		 	 (Specify restrictions. Any restrictions must be definitely determinable and may not violate Code §412 or
the regulations thereunder.).

 [Note: If Election (b)(1) above is not chosen, Participating Employers may not modify any Adoption
Agreement elections. The Participation Agreement must be consistent with this Election 54(b)(1). Any Participating Employer election in the Participation Agreement which is not permitted under this Election 54(b)(1) is of no force or effect and the
applicable election in the Adoption Agreement applies.] 

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 EXECUTION PAGE 

The Employer, by executing this Adoption Agreement, hereby agrees to the provisions of this Plan and Trust. 

 

			
	 Employer: 
	 	 Pinnacle Entertainment,
Inc.

  

			
	 Date: 
	 	 4/21/2016

 

			
	 Signed: 
	 	 /s/ Elliot D.
Hoops

  

			
	 Elliot D. Hoops / Vice President and Legal Counsel

		 	[print name/title]

 The Trustee (and Custodian, if applicable), by executing this Adoption Agreement, hereby accepts its
position and agrees to all of the obligations, responsibilities and duties imposed upon the Trustee (or Custodian) under the Volume Submitter Plan and Trust. If the Employer under Elections 5(c) or 5(e) will use a separate Trust, the Trustee need
not execute this Adoption Agreement. 
  

			
	 Nondiscretionary Trustee(s): 
	 	 Wells Fargo Bank,
N.A.

  

			
	 Date: 
	 	 4/21/2016

 

			
	 Signed: 
	 	 /s/ Lucas
Lettieri

  

			
	 Lucas Lettieri / VP, Relationship Manager

		 	[print name/title]

  

			
	 Nondiscretionary Trustee(s): 
	 	 

  

			
	 Date: 
	 	 

  

			
	 Signed: 
	 	 

  

			
	 
		 	[print name/title]

  

			
	 Custodian(s) (Optional): 
	 	 

  

			
	 Date: 
	 	 

  

			
	 Signed: 
	 	 

  

			
	 
		 	[print name/title]

 Use of Adoption Agreement. Failure to complete properly the elections in this Adoption Agreement
may result in disqualification of the Employer’s Plan. The Employer only may use this Adoption Agreement only in conjunction with the basic plan document referenced by its document number on Adoption Agreement page one. 

Execution for Page Substitution Amendment Only. If this paragraph is completed, this Execution Page documents an amendment to Adoption
Agreement Election(s)              effective
                                     
   , by substitute Adoption Agreement page number(s)             . The Employer should retain all Adoption Agreement Execution Pages and
amended pages. [Note: The Effective Date may be retroactive or may be prospective.] 
 Volume Submitter Plan Sponsor. The Volume
Submitter Plan Sponsor identified on the first page of the basic plan document will notify all adopting Employers of any amendment to this Volume Submitter Plan or of any abandonment or discontinuance by the Volume Submitter Plan Sponsor of its
maintenance of this Volume Submitter Plan. For inquiries regarding the adoption of the Volume Submitter Plan, the Volume Submitter Plan Sponsor’s intended meaning of any Plan provisions or the effect of the Advisory Letter issued to the Volume
Submitter Plan Sponsor, please contact the Volume Submitter Plan Sponsor at the following address and telephone number:   1525 West W.T. Harris Blvd, Charlotte, North Carolina 28262, 800-669-5812
                                         
                                         
                                         
                                         
                                         
                                       . 

Reliance on Sponsor Advisory Letter. The Volume Submitter Plan Sponsor has obtained from the IRS an Advisory Letter specifying the form
of this Adoption Agreement and the basic plan document satisfy, as of the date of the Advisory Letter, Code §401. An adopting Employer may rely on the Volume Submitter Sponsor’s IRS Advisory Letter only to the extent provided in
Rev. Proc. 2011-49. The Employer may not rely on the Advisory Letter in certain other circumstances or with respect to certain qualification requirements, which are specified in the Advisory Letter and in Rev.
Proc. 2011-49 or subsequent guidance. In order to have reliance in such circumstances or with respect to such qualification requirements, the Employer must apply for a determination letter to Employee Plans
Determinations of the IRS. 

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 APPENDIX A 

SPECIAL RETROACTIVE OR PROSPECTIVE EFFECTIVE DATES 

55.   SPECIAL EFFECTIVE DATES (1.20). The Employer elects or does not elect Appendix A special Effective Date(s) as
follows. (Choose (a) or one or more of (b) through (s) as applicable.): 
 [Note: If the Employer elects 55(a), do not
complete the balance of this Election 55.] 
  

					
	 (a)
	 	 [X]
	 	 Not applicable. The Employer does not elect any Appendix A special Effective Dates.

	
	 [Note: The Employer may use this Appendix A to specify an Effective Date for one or more Adoption
Agreement elections which does not correspond  to the Plan’s new Plan or Restated Plan Effective Date under Election 4. As to Restated Plans, for periods prior to: (i) the below-specified special  Effective Date(s); or (ii) the
Restated Plan’s general Effective Date under Election 4, as applicable, the Plan terms in effect prior to its restatement  under this Adoption Agreement control for purposes of the designated provisions.]

			
	 (b)
	 	 [   ]
	 	 Trustee (1.67). The Trustee provisions under Election 5 or Appendix C are effective:
                            .

			
	 (c)
	 	 [   ] 
	 	 Contribution Types (1.12). The Contribution Types under Election(s) 6
         are effective:
                            .

			
	 (d)
	 	 [   ] 
	 	 Excluded Employees (1.22(D)). The Excluded Employee provisions under Election(s) 8
         are effective:
                            .

			
	 (e)
	 	 [   ]
	 	 Compensation (1.11). The Compensation definition under Election(s)
         (specify 9-11 as applicable) are effective:
                            .

			
	 (f)
	 	 [   ] 
	 	 Hour of Service/Elective Service Crediting (1.32/1.59(C)). The Hour of Service and/or elective Service crediting
provisions under Election(s)          (specify 12-13 as applicable) are effective:
                            .

			
	 (g)
	 	 [   ] 
	 	 Eligibility (2.01-2.03). The eligibility provisions under Election(s)
         (specify 14-19 as applicable) are effective:
                            .

			
	 (h)
	 	 [   ] 
	 	 Elective Deferrals (3.02(A)-(D)). The Elective Deferral provisions under Election(s)
         (specify 20-23 as applicable) are effective:
                            .

			
	 (i)
	 	 [   ] 
	 	 Matching Contributions (3.03). The Matching Contribution provisions under Election(s)
         (specify 24-26 as applicable) are effective:
                            .

			
	 (j)
	 	 [   ] 
	 	 Nonelective Contributions (3.04). The Nonelective Contribution provisions under Election(s)
           (specify 27-29 as applicable) are effective:
                            .

			
	 (k)
	 	 [   ] 
	 	 401(k) safe harbor (3.05). The 401(k) safe harbor provisions under Election(s) 30
         are effective:
                            .

			
	 (l)
	 	 [   ] 
	 	 Allocation conditions (3.06). The allocation conditions under Election(s)
         (specify 31-32 as applicable) are effective:
                            .

			
	 (m)
	 	 [   ] 
	 	 Forfeitures (3.07). The forfeiture allocation provisions under Election(s) 33
         are effective:
                            .

			
	 (n)
	 	 [   ] 
	 	 Employee Contributions (3.09). The Employee Contribution provisions under Election(s) 36
         are effective:
                            .

			
	 (o)
	 	 [   ] 
	 	 Testing elections (4.06(B)). The testing elections under Election(s) 38
         are effective:
                            .

			
	 (p)
	 	 [   ] 
	 	 Vesting (5.03). The vesting provisions under Election(s)         
(specify 39-44 as applicable) are effective:                             .

			
	 (q)
	 	 [   ] 
	 	 Distributions (6.01, 6.03 and 6.04). The distribution elections under Election(s)
           (specify 45-51 as applicable) are effective:
                            .

			
	 (r)
	 	 [   ] 
	 	 Earnings/Trust valuation (7.04(B)/8.02(C)(4)). The Earnings allocation and Trust valuation provisions under
Election(s)          (specify 52-53 as applicable) are effective:
                            .

			
	 (s)
	 	 [   ] 
	 	 Special Effective Date(s) for other elections (specify elections and dates):
                                         
                                       
.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

 APPENDIX B 

BASIC PLAN DOCUMENT OVERRIDE ELECTIONS 

56.   BASIC PLAN OVERRIDES. The Employer elects or does not elect to override various basic plan provisions as follows
(Choose (a) or choose one or more of (b) through (l) as applicable.): 
 [Note: If the Employer elects 56(a), do not
complete the balance of this Election 56.] 
  

									
	 (a)  
	 	 [   ]
	 	 Not applicable. The Employer does not elect to override any basic plan provisions.

	
	 [Note: The Employer at the time of restating its Plan with this Adoption Agreement may make an election on
Appendix A (Election 55(s)) to specify a special Effective Date for any override provision the Employer elects in this Election 56. If the Employer, after it has executed this Adoption Agreement, later amends its Plan to change any election on this
Appendix B, the Employer should document the Effective Date of the Appendix B amendment on the Execution Page or otherwise in the amendment.]

			
	 (b)
	 	 [   ]
	 	 Definition (Article I) overrides. (Choose one or more of (1) through (8) as
applicable.):

				
		 	 (1)
	 	 [   ]
	 	 W-2 Compensation exclusion of paid/reimbursed moving expenses (1.11(B)(1)). W-2 Compensation excludes
amounts paid or reimbursed by the Employer for moving expenses incurred by an Employee, but only to the extent that, at the time of payment, it is reasonable to believe that the Employee may deduct these amounts under Code §217.

				
		 	 (2)
	 	 [   ]
	 	 Alternative (general) 415 Compensation (1.11(B)(4)). The Employer elects to apply the alternative
(general) 415 definition of Compensation in lieu of simplified 415 Compensation.

				
		 	 (3)
	 	 [   ]
	 	 Inclusion of Deemed 125 Compensation (1.11(C)). Compensation under Section 1.11 includes Deemed 125
Compensation.

				
		 	 (4)
	 	 [   ]
	 	 Pre-Regulatory inclusion of Post-Severance Compensation (1.11(I) and 4.05(F)). Prior to the first
Limitation Year beginning on or after July 1, 2007 (the Effective Date of the final 415 regulations), the Plan includes Post-Severance Compensation within the meaning of Prop. Treas. Reg. §1.415(c)-2(e) as described in Sections 1.11(I) and
4.05(F) as follows (Choose one or both of a. and  b.):

					
		 		 	 a.
	 	 [   ]
	 	 Include for 415 testing. Include for 415 testing and for other testing which uses 415 Compensation. This provision
applies effective as of                              (specify a date which is no earlier than
January 1, 2005).

					
		 		 	 b.
	 	 [   ]
	 	 Include for allocations. Include for allocations as follows (specify affected Contribution Type(s) and any
adjustments to Post-Severance Compensation used for allocation):
                                         
                                         
  . This provision applies effective as of                              (specify a
date which is no earlier than January 1, 2002).

				
		 	 (5)
	 	 [   ]
	 	 Inclusion of Deemed Disability Compensation (1.11(K)). Include Deemed Disability Compensation. (Choose
one of a. or b.):

					
		 		 	 a.
	 	 [   ]
	 	 NHCEs only. Apply only to disabled NHCEs.

					
		 		 	 b.
	 	 [   ]
	 	 All Participants. Apply to all disabled Participants. The Employer will make Employer Contributions for such disabled
Participants for:
                                        
                                         
                                        (specify a
fixed or determinable period).

				
		 	 (6)
	 	 [   ]
	 	 Treatment of Differential Wage Payments (1.11(L)). In lieu of the provisions of Section 1.11(L), the
Employer elects the following (Choose one or more of a., b., c., and d. as applicable.):

					
		 		 	 a.
	 	 [   ]
	 	 Effective date. The inclusion is effective for Plan Years beginning after
                             (may not be earlier than December 31,
2008).

					
		 		 	 b.
	 	 [   ]
	 	 Elective Deferrals only. The inclusion only applies to Compensation for purposes of Elective Deferrals.

					
		 		 	 c.
	 	 [   ]
	 	 Not included. The inclusion does not apply to Compensation for purposes of any Contribution Type.

					
		 		 	 d.
	 	 [   ]
	 	
Other:                     
                                         
                                         
                                         
                  (specify other Contribution Type Compensation which includes Differential Wage Payments)

				
		 	 (7)
	 	 [   ]
	 	 Leased Employees (1.22(B)). (Choose one or both of a. and b. if applicable.):

					
		 		 	 a.
	 	 [   ]
	 	 Inclusion of Leased Employees (1.22(B)). The Employer for purposes of the following Contribution Types, does not
exclude Leased Employees:
                                        
                                         
                    (specify Contribution Types).

					
		 		 	 b.
	 	 [   ]
	 	 Offset if contributions to leasing organization plan (1.22(B)(2)). The Employer will reduce allocations to this Plan
for any Leased Employee to the extent that the leasing organization contributes to or provides benefits under a leasing organization plan to or for the Leased Employee and which are attributable to the Leased Employee’s services for the
Employer. The amount of the offset is as follows:
                                         
                       

 [Note: The election of an offset under this Election 56(b)(7)b. may require that the Employer
aggregate its plan with the leasing organization’s plan for coverage and nondiscrimination testing.] 

  
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Bank, N.A. or its suppliers 
 1 

 Volume Submitter 401(k) Plan 

 

													
		 	 (8)
	 	 [   ]
	  	 Inclusion of Reclassified Employees (1.22(D)(3)). The Employer for purposes of the following Contribution
Types, does not exclude Reclassified Employees (or the following categories of Reclassified
Employees):                                       
                              

		 		 		  	 (specify Contribution Types and/or categories of Reclassified Employees).

			
	 (c)
	 	 [   ]
	 	 Rule of parity - participation (Article II) override (2.03(D)). For purposes of Plan participation, the
Plan applies the “rule of parity” under Code §410(a)(5)(D).

			
	 (d)
	 	 [   ]
	 	 Contribution/allocation (Article III) overrides. (Choose one or more of (1) through (9) as
applicable.):

				
		 	 (1)
	 	 [   ]
	  	 Roth overrides. (Choose one or more of a., b., c., or d. as applicable.):

					
		 		 	 a.
	  	 [   ]
	  	 Treatment of Automatic Deferrals as Roth Deferrals (3.02(B)). The Employer elects to treat Automatic
Deferrals as Roth Deferrals in lieu of treating Automatic Deferrals as Pre-Tax Deferrals.

					
		 		 	 b.
	  	 [   ]
	  	 In-Plan Roth Rollovers limited to In-Service only (3.08(E)(2)(a)). Only Participants who are Employees
may elect to make an In-Plan Roth Rollover Contribution.

					
		 		 	 c.
	  	 [   ]
	  	 Vested In-Plan Roth Rollovers (3.08(E)(2)(b)). Distributions related to In-Plan Roth Rollovers may only
be made from accounts which are fully Vested.

					
		 		 	 d.
	  	 [   ]
	  	 Source of In-Plan Roth Rollover Contribution (3.08(E)(3)(b)). The Plan permits an In-Plan Roth Rollover
only from the following qualifying sources (Choose one or more.):

						
		 		 		  	 (i)
	  	 [   ]   
	 	 Elective Deferrals

						
		 		 		  	 (ii)
	  	 [   ]
	 	 Matching Contributions (including any Safe Harbor Matching Contributions and Additional Matching
Contributions)

						
		 		 		  	 (iii)
	  	 [   ]
	 	 Nonelective Contributions

						
		 		 		  	 (iv)
	  	 [   ]
	 	 QNECs (including any Safe Harbor Nonelective Contributions)

						
		 		 		  	 (v)
	  	 [   ]
	 	 Rollovers

						
		 		 		  	 (vi)
	  	 [   ]
	 	 Transfers

							
		 		 		  	 (vii)
	  	 [   ]
	 	 Other:
	  	 
		 		 		  		  		 	 (specify account(s) and conditions in a manner that is definitely determinable and not subject to Employer
discretion)

				
		 	 (2)
	 	 [   ]
	  	 No offset of Safe Harbor Contributions to other allocations (3.05(E)(12)). Any Safe Harbor Nonelective
Contributions allocated to a Participant’s account will not be applied toward (offset) any allocation to the Participant of a non-Safe Harbor Nonelective Contribution.

				
		 	 (3)
	 	 [   ]
	  	 Short Plan Year or allocation period (3.06(B)(1)(c)). The Plan Administrator (Choose one of a. or
b.):

					
		 		 	 a.
	  	 [   ]
	  	 No pro-ration. Will not pro-rate Hours of Service in any short allocation period.

					
		 		 	 b.
	  	 [   ]
	  	 Pro-ration based on months. Will pro-rate any Hour of Service requirement based on the number of months
in the short allocation period.

				
		 	 (4)
	 	 [   ]
	  	 Limited waiver of allocation conditions for rehired Participants (3.06(G)). The allocation conditions the
Employer has elected in the Adoption Agreement do not apply to rehired Participants in the Plan Year they resume participation, as described in Section 3.06(G).

				
		 	 (5)
	 	 [   ]
	  	 Associated Match forfeiture timing (3.07(A)(1)(c)). Forfeiture of associated matching contributions
occurs in the Testing Year.

				
		 	 (6)
	 	 [   ]
	  	 Safe Harbor top-heavy exempt fail-safe (3.07(A)(4)). In lieu of ordering forfeitures as (a), (b), and (c)
under Section 3.07(A)(4), the Employer establishes the following forfeiture ordering rules (Specify the ordering rules, for example, (b), (c), and (a).):
                                        
.

				
		 	 (7)
	 	 [   ]
	  	 HEART Act continued benefit accrual (3.11(K)). The Employer elects to apply the benefit accrual
provisions of Section 3.11(K). The provisions are effective as of (Choose one of a. or b.; and choose c. if the provisions no longer are effective.):

					
		 		 	 a.
	  	 [   ]
	  	 2007 Effective Date. The first day of the 2007 Plan Year.

					
		 		 	 b.
	  	 [   ]
	  	 Other Effective Date.
                                        
     (may not be earlier than the first day of the 2007 Plan Year).

					
		 		 	 c.
	  	 [   ]
	  	 No longer effective. The provisions no longer apply effective as of
                                        
.

				
		 	 (8)
	 	 [   ]
	  	 Classifications allocation formula (3.04(B)(3)). If a Participant shifts from one classification to
another during a Plan Year, the Plan Administrator will apportion the Participant’s allocation during that Plan Year (Choose one of a., b., or c.):

					
		 		 	 a.
	  	 [   ]
	  	 Months in each classification. Pro rata based on the number of months the Participant spent in each
classification.

					
		 		 	 b.
	  	 [   ]
	  	 Days in each classification. Pro rata based on the number of days the Participant spent in each
classification.

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

													
		  		  	 c.
	  	 [   ]
	  	 One classification only. The Employer in a nondiscriminatory manner will direct the Plan Administrator to
place the Participant in only one classification for the entire Plan Year during which the shift occurs.

				
		  	 (9)
	  	 [   ] 
	  	 Suspension (3.06(F)(3)). The Plan Administrator in applying Section 3.06(F) will (Choose one or more
of a., b., and c. as applicable.):

					
		  		  	 a.
	  	 [   ]
	  	 Re-order tiers. Apply the suspension tiers in Section 3.06(F)(2) in the following order:
                                        
     (specify order).

					
		  		  	 b.
	  	 [   ] 
	  	 Hours of Service tie-breaker. Apply the greatest Hours of Service as the tie-breaker within a suspension
tier in lieu of applying the lowest Compensation.

					
		  		  	 c.
	  	 [   ]
	  	 Additional/other tiers. Apply the following additional or other tiers:
                                        
     (specify suspension tiers and ordering).

			
	 (e)
	  	 [   ]  
	  	 Testing (Article IV) overrides. (Choose one or both of (1) and (2) as applicable.):

				
		  	 (1)
	  	 [   ]  
	  	 First few weeks rule for Code §415 testing Compensation (4.05(F)(1)). The Plan applies the first few
weeks rule in Section 4.05(F)(1).

				
		  	 (2)
	  	 [   ] 
	  	 Post-Severance Compensation for Code §415 testing Compensation (4.05(F)). The Employer elects the
following adjustments to Post-Severance Compensation for purposes of determining 415 testing Compensation (Choose one or more of a. through d.):

		
		  	 [Note: Under the basic plan document, if the Employer does not elect any adjustments, post-severance
compensation includes leave cashouts and deferred compensation, and excludes military and disability continuation payments.]

					
		  		  	 a.
	  	 [   ]
	  	 Exclude leave cash-outs. See Section 1.11(I)(1)(b).

					
		  		  	 b.
	  	 [   ]
	  	 Exclude deferred compensation. See Section 1.11(I)(1)(c).

					
		  		  	 c.
	  	 [   ]
	  	 Include salary continuation for military service. See Section 1.11(I)(2).

					
		  		  	 d.
	  	 [   ]
	  	 Include salary continuation for disabled Participants. See Section 1.11(I)(3). (Choose one of (i) or
(ii).):

						
		  		  		  	 (i)
	  	 [   ]
	  	 For Nonhighly Compensated Employees only.

						
		  		  		  	 (ii)
	  	 [   ]
	  	 For all Participants. In which case the salary continuation will continue for the following fixed or
determinable period:
                                         
                                         
                                         
                                         
            .

			
	 (f)
	  	 [   ]
	  	 Vesting (Article V) overrides. (Choose one or more of (1) through (6) as
applicable.):

				
		  	 (1)
	  	 [   ] 
	  	 Application of non-top-heavy vesting and top-heavy vesting (5.03(A)(2)). The Employer makes the following
elections regarding the application of non-top-heavy vesting and top-heavy vesting (Choose a., b., and c. as applicable.):

					
		  		  	 a.
	  	 [   ] 
	  	 Election of non-top-heavy vesting. As to Plan Years where permitted and in such Plan Years when the Plan
is not top-heavy, the following vesting schedule(s) apply. See Section 5.03(B). (Choose one or more of (i), (ii), or (iii) as applicable and complete (iv) and (v).):

						
		  		  		  	 (i)
	  	 [   ]
	  	 5-year cliff.

						
		  		  		  	 (ii)
	  	 [   ]
	  	 7-year graded.

						
		  		  		  	 (iii)
	  	 [   ]
	  	 Modified non-top-heavy. A modified non-top-heavy schedule as follows:
                                         
                             

	
	 [Note: A modified non-top-heavy schedule must satisfy Code §411(a)(2).]

					
		  		  		  	 (iv)
	  	 Application to Contribution Types. Apply the elected non-top-heavy vesting schedule (Choose one of A.
or B.):

							
		  		  		  		  	 A.
	  	 [   ]
	  	 All. To all Contribution Types subject to vesting (other than QACA Safe Harbor Contributions).

							
		  		  		  		  	 B.
	  	 [   ]
	  	 Describe application to affected Contribution Type(s):
                                         
                                         

					
		  		  		  	 (v)
	  	 Application of top-heavy and non-top-heavy schedules. (Choose one of A. or B.):

							
		  		  		  		  	 A.
	  	 [   ]
	  	 Apply top-heavy schedule in all Plan Years once top-heavy. 

							
		  		  		  		  	 B.
	  	 [   ]
	  	 Apply top-heavy schedule only in top-heavy Plan Years. 

					
		  		  	 b.
	  	 [   ]
	  	 Election to eliminate HOS requirement post-EGTRRA or post-PPA for top-heavy vesting. The top-heavy
vesting schedule(s) apply (Choose one or both of (i) and (ii).):

						
		  		  		  	 (i)
	  	 [   ]
	  	 No post-EGTRRA HOS requirement for Matching. To all Participants even if they do not have one Hour of
Service in a Plan Year beginning after December 31, 2001.

						
		  		  		  	 (ii)
	  	 [   ]
	  	 No post-PPA HOS requirement for affected other Employer Contributions. To all Participants even if they
do not have one Hour of Service in a Plan Year beginning after December 31, 2006.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 3 

 Volume Submitter 401(k) Plan 

 

											
		  		  	 c.
	  	 [   ]
	  	 Election to apply top-heavy vesting only as to post-EGTRRA or post-PPA contributions. The top-heavy
vesting schedule(s) apply (Choose one or both of (i) and (ii).):

						
		  		  		  	 (i)
	  	 [   ]
	  	 Post-EGTRRA Matching Contributions. Only to Regular Matching Contributions and Additional Matching Contributions made
in Plan Years beginning after December 31, 2001 and to the associated Earnings.

						
		  		  		  	 (ii)
	  	 [   ]
	  	 Post-PPA other Employer Contributions. Only to non-Matching Contributions made in Plan Years beginning after December
31, 2006, and to the associated Earnings.

				
		  	 (2)
	  	 [   ]  
	  	 Alternative “grossed-up” vesting formula (5.03(C)(2)). The Employer elects the alternative
vesting formula described in Section 5.03(C)(2).

				
		  	 (3)
	  	 [   ]
	  	 Source of Cash-Out forfeiture restoration (5.04(B)(5)). To restore a Participant’s Account Balance
as described in Section 5.04(B)(5), the Plan Administrator, to the extent necessary, will allocate from the following source(s) and in the following order (Specify, in order, one or more of the following: Forfeitures, Earnings, and/or Employer
Contribution):
                                         
.

				
		  	 (4)
	  	 [   ]
	  	 Deemed Cash-Out of 0% Vested Participant (5.04(C)). The deemed cash-out rule of Section 5.04(C) does not
apply to the Plan.

				
		  	 (5)
	  	 [   ]
	  	 Accounting for Cash-Out repayment; Contribution Type (5.04(D)(2)). In lieu of the accounting described in
Section 5.04(D)(2), the Plan Administrator will account for a Participant’s Account Balance attributable to a Cash-Out repayment (Choose one of a. or b.):

					
		  		  	 a.
	  	 [   ]
	  	 Nonelective rule. Under the nonelective rule.

					
		  		  	 b.
	  	 [   ]
	  	 Rollover rule. Under the rollover rule.

				
		  	 (6)
	  	 [   ]
	  	 One-year hold-out rule - vesting (5.06(D)). The one-year hold-out Break in Service rule under Code
§411(a)(6)(B) applies.

			
	 (g)
	  	 [X]
	  	 Distribution (Article VI) overrides. (Choose one or more of (1) through (9) as
applicable.):

				
		  	 (1)
	  	 [   ]
	  	 Restriction on In-Service Rollover Distributions (6.01(C)). A Participant shall be entitled to receive a
distribution of Rollover Contributions, Employee Contributions and DECs (Choose one or more of a. through d. as applicable.):

					
		  		  	 a.
	  	 [   ] 
	  	 Deferrals. Under the same provisions which apply to Elective Deferrals.

					
		  		  	 b.
	  	 [   ]
	  	 Match. Under the same provisions which apply to Matching Contributions.

					
		  		  	 c.
	  	 [   ]
	  	 Nonelective. Under the same provisions which apply to Nonelective Contributions.

					
		  		  	 d.
	  	 [   ]
	  	 Other:
                                        
                                         
                                         
                                         
                         

	
	 [Note: The Employer under Election 56(g)(1)d. may describe In-Service Rollover Distribution restrictions
using the options available for In-Service Distributions under Election 47 and/or a combination thereof as to all Participants or as to any: (i) Participant group (e.g., Division A Rollover Accounts are distributable at age 59 1/2 OR
Rollover Accounts of Employees hired on/before “x” date are distributable at age 59 1/2. No In-Service Rollover Distributions apply to Division B Employees OR to Employees hired after “x” date). An Employer’s
election under Election 56(g)(1)d. must: (i) be objectively determinable; (ii) not be subject to Employer discretion; (iii) preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not permit an “early”
distribution of any Restricted 401(k) Accounts or Restricted Pension Accounts. See Sections 6.01(C)(4) and 11.02(C)(3).]

				
		  	 (2)
	  	 [   ]
	  	 Elections related to In-Plan Roth Rollovers (6.01(C)(7)). (Choose one or more of a. through c. as
applicable.):

					
		  		  	 a.
	  	 [   ]
	  	 In-Service Roth Rollover events. The Employer elects to permit In-Service Distributions under the
following conditions solely for purposes of making an In-Plan Roth Rollover Contribution (Choose one or more of (i) through (iv); select (v) if applicable.):

						
		  		  		  	 (i)
	  	 [   ]
	  	 Age. The Participant has attained age
            .

						
		  		  		  	 (ii)
	  	 [   ]
	  	 Participation. The Participant has             
months of participation (specify minimum of 60 months). Section 6.01(C)(4)(a)(ii).

						
		  		  		  	 (iii)
	  	 [   ]
	  	 Seasoning. The amounts being distributed have accumulated in the Plan for at least
             years (at least 2). See Section 6.01(C)(4)(a)(i).

						
		  		  		  	 (iv)
	  	 [   ]
	  	 Other (describe):
                                         
                                         
                                         
                                         

		  		  		  		  		  	 (must be definitely determinable and not subject to Employer discretion (e.g., age 50, but only with respect to
Nonelective Contributions, and not Matching Contributions))

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 4 

 Volume Submitter 401(k) Plan 

 

									
		  		  	 [Note: Regardless of any election above to the contrary, In-Plan Roth Rollover Contributions are not
permitted from a Participant’s Elective Deferral Account, Qualified Matching Contribution Account, Qualified Nonelective Contribution Account and accounts attributable to Safe Harbor Contributions prior to age 59
1/2.]

					
		  		  	 (v)
	  	 [   ]
	  	 Distribution for withholding. A Participant may elect to have a portion of the amount that may be distributed as an
In-Plan Roth Rollover Contribution distributed solely for purposes of federal or state income tax withholding related to the In-Plan Roth Rollover Contribution.

				
		  	 b.
	  	 [   ]
	  	 Minimum amount. The minimum amount that may be rolled over
is           (may not exceed $1,000).

				
		  	 c.
	  	 [   ]
	  	 No transfer of loans. Loans may not be distributed as part of an In-Plan Roth Rollover Contribution. (if
not selected, any loans may be transferred)

			
	 (3)
	  	 [X] 
	  	 Elections related to Required Minimum Distributions. (Choose one or more of a. through c. as
applicable.):

				
		  	 a.
	  	 [   ] 
	  	 RMD overrides if Participant dies before DCD (6.02(B)(1)(e)). If the Participant dies before the DCD and
the Beneficiary is a designated Beneficiary, the RMD distribution rules are modified as follows (Choose one of (i) through (iv).):

					
		  		  	 (i)
	  	 [   ]
	  	 Election of 5-year rule. If a Designated Beneficiary does not make a timely election, the 5-year rule applies in lieu
of the Life Expectancy rule.

					
		  		  	 (ii)
	  	 [   ]
	  	 Life Expectancy rule. The Life Expectancy rule applies to the Designated Beneficiary. See Section
6.02(B)(1)(d).

					
		  		  	 (iii)
	  	 [   ]
	  	 5-year rule. The 5-year rule applies to the Beneficiary. See Section 6.02(B)(1)(c).

					
		  		  	 (iv)
	  	 [   ]
	  	
Other:                     
                                         
                                         
                                         
                                         
      

		  		  		  		  	 (Describe, e.g., the 5-year rule applies to all Beneficiaries other than a surviving spouse
Beneficiary.)

				
		  	 b.
	  	 [   ]
	  	 RBD definition (6.02(E)(7)(c)). In lieu of the RBD definition in Section 6.02(E)(7)(a) and (b), the Plan
Administrator (Choose one of (i) or (ii).):

					
		  		  	 (i)
	  	 [   ]
	  	 SBJPA definition indefinitely. Indefinitely will apply the pre-SBJPA RBD definition.

					
		  		  	 (ii)
	  	 [   ]
	  	 SBJPA definition to specified date. Will apply the pre-SBJPA definition
until                                      (the
stated date may not be earlier than January 1, 1997), and thereafter will apply the RBD definition in Sections 6.02(E)(7)(a) and (b).

				
		  	 c.
	  	 [X]
	  	 2009 RMD waiver elections (6.02(F)). In lieu of the 2009 RMDs suspension (subject to a Participant or
Beneficiary election to continue), as provided in Section 6.02(F) (Choose one of (i) through (iii) if applicable. Choose (iv) or (v) if applicable.):

					
		  		  	 (i)
	  	 [   ]
	  	 RMDs continued unless election. 2009 RMDs are continued as provided in Section 6.02(F)(2), unless a Participant or
Beneficiary otherwise elects.

					
		  		  	 (ii)
	  	 [   ]
	  	 RMDs continued - no election. 2009 RMDs are continued as provided in Section 6.02(F)(3), without regard to a waiver.
No election is available to Participants or Beneficiaries.

					
		  		  	 (iii)
	  	 [   ]
	  	
Other:                     
                                         
                                         
                                         
                                         
      

		  		  		  		  	 (Describe, e.g., the Plan suspended 2009 RMDs and did not offer an election or the Plan changed from one treatment of
2009 RMDs to another treatment during 2009.)

			
		  		  	 Treatment as Eligible Rollover Distribution. For purposes of 2009 RMDs, the Plan also will treat the
following distributions as Eligible Rollover Distributions (Choose (iv) or (v), if applicable. If the Employer elects neither (iv) nor (v), then a direct rollover for 2009 will be offered only for distributions that would be Eligible Rollover
Distributions without regard to Code §401(a)(9)(H).):

					
		  		  	 (iv)
	  	 [   ]
	  	 2009 RMDs and Extended 2009 RMDs, both as defined in Section 6.02(F).

					
		  		  	 (v)
	  	 [X]
	  	 2009 RMDs, as defined in Section 6.02(F), but only if paid with an additional amount that is an Eligible Rollover
Distribution without regard to Code §401(a)(9)(H).

			
	 (4)
	  	 [X]
	  	 Distribution Methods (Choose one or both of a. and b. if applicable.):

				
		  	 a.
	  	 [   ]
	  	 Default Distribution Methods (6.03(B)(2)). If a Participant or Beneficiary does not make a timely
election as to distribution method and timing the Plan Administrator will direct the Trustee to distribute using the following method and
timing:                                        
                                         
                                         
                                         
                                      

		  		  		  	 (Describe, e.g., Installments sufficient to satisfy RMD beginning at the Required Beginning Date. The
selected method and timing must not be discriminatory and must be an option the plan makes available to participants and/or beneficiaries.)

				
		  	 b.
	  	 [X]
	  	 Beneficiary Distribution Methods (6.03(A)(2)). The Plan will distribute to the Beneficiary under the
following distribution method(s). If more than one method is elected, the Beneficiary may choose the method of distribution:

					
		  		  	 (i)
	  	 [X]
	  	 Lump-Sum. See Section 6.03(A)(3).

  
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Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

											
		  		  		  	 (ii)
	  	 [   ]
	  	 Installments sufficient to satisfy RMD. See Section 6.03(A)(4)(a).

						
		  		  		  	 (iii)  
	  	 [X]  
	  	 Ad-Hoc sufficient to satisfy RMD. See Section 6.03(A)(6).

						
		  		  		  	 (iv)
	  	 [   ]
	  	
Other:                     
                                         
                                         
                                         
                                   

		  		  		  		  		  	 (Describe, e.g., Lump-Sum or Installments for surviving spouse Beneficiaries, Lump-Sum only for all other
Beneficiaries.)

				
		  	 (5)
	  	 [   ]  
	  	 Annuity Distributions (6.04). (Choose one or both of a. and b. if applicable.):

					
		  		  	 a.
	  	 [   ]
	  	 Modification of QJSA (6.04(A)(3)). The Survivor Annuity percentage will be
            %. (Specify a percentage between 50% and 100%.)

					
		  		  	 b.
	  	 [   ]
	  	 Modification of QPSA (6.04(B)(2)). The QPSA percentage will be
            %. (Specify a percentage between 50% and 100%.)

				
		  	 (6)
	  	 [   ]
	  	 Hardship Distributions (6.07). (Choose one or both of a. and b. if applicable.):

					
		  		  	 a.
	  	 [   ]
	  	 Restriction on hardship source; grandfathering (6.07(E)). The hardship distribution limit includes
grandfathered amounts.

					
		  		  	 b.
	  	 [   ]
	  	 Hardship acceleration. The existence of a hardship occurring after Separation from Service/Severance from
Employment will be determined under the non-safe harbor rules of Section 6.07(B).

				
		  	 (7)
	  	 [   ]
	  	 Replacement of $5,000 amount (6.09). All Plan references (except in Sections 3.02(D), 3.10 and
3.12(C)(2)) to “$5,000” will be $            . (Specify an amount less than $5,000.) 

				
		  	 (8)
	  	 [   ]
	  	 Beneficiary’s hardship need (6.07(H)). Effective
                                        
     (Specify date not earlier than August 17, 2006), a Participant’s hardship includes an immediate and heavy financial need of the Participant’s primary Designated Beneficiary under the Plan, as
described in Section 6.07(H).

				
		  	 (9)
	  	 [   ]
	  	 Non-spouse beneficiary rollover not permitted before required (6.08(G)). For distributions after December
31, 2006, and before
                                         
    (Specify a date not later than January 1, 2010), the Plan does not permit a Designated Beneficiary other than the Participant’s surviving spouse to elect to roll over a death benefit distribution.

			
	 (h)  
	  	 [   ]  
	  	 Administrative overrides (Article VII). (Choose one or more of (1) through (7) as
applicable.):

				
		  	 (1)
	  	 [   ]
	  	 Contributions prior to accrual or precise determination (7.04(B)(5)(b)). The Plan Administrator will
allocate Earnings described in Section 7.04(B)(5)(b) as follows (Choose one of a., b., or c.):

					
		  		  	 a.
	  	 [   ]
	  	 Treat as contribution. Treat the Earnings as an Employer Matching or Nonelective Contribution and
allocate accordingly.

					
		  		  	 b.
	  	 [   ]
	  	 Balance forward. Allocate the Earnings using the balance forward method described in Section
7.04(B)(4)(b).

					
		  		  	 c.
	  	 [   ]
	  	 Weighted average. Allocate the Earnings on Matching Contributions using the weighted average method in a
manner similar to the method described in Section 7.04(B)(4)(d).

				
		  	 (2)
	  	 [   ]
	  	 Automatic revocation of spousal designation (7.05(A)(1)). The automatic revocation of a spousal
Beneficiary designation in the case of divorce does not apply.

				
		  	 (3)
	  	 [   ]
	  	 Limitation on frequency of Beneficiary designation changes (7.05(A)(4)). Except in the case of a
Participant incurring a major life event, a period of at least
                                         
    must elapse between Beneficiary designation changes. (Specify a period of time, e.g., 90 days OR 12 months.)

				
		  	 (4)
	  	 [   ]
	  	 Definition of “spouse” (7.05(A)(5)). The following definition of “spouse” applies:
                                        
     (Specify a definition.)

				
		  	 (5)
	  	 [   ]
	  	 Administration of default provision; default Beneficiaries (7.05(C)). The following list of default
Beneficiaries will apply:
                                         
    (Specify, in order, one or more Beneficiaries who will receive the interest of a deceased Participant.)

				
		  	 (6)
	  	 [   ]
	  	 Subsequent restoration of forfeiture-sources and ordering (7.07(A)(3)). Restoration of forfeitures will
come from the following sources, in the following order
                                        
     (Specify, in order, one or more of the following: Forfeitures, Employer Contribution, Trust Fund Earnings.)

				
		  	 (7)
	  	 [   ]
	  	 State law (7.10(H)). The law of the following state will apply:
                                         
    (Specify one of the 50 states or the District of Columbia, or other appropriate legal jurisdiction, such as a territory of the United States or an Indian tribal government.)

			
	 (i)
	  	 [   ]
	  	 Trust and insurance overrides (Articles VIII and IX). (Choose one or more of (1) through (3) if
applicable.):

				
		  	 (1)
	  	 [   ]
	  	 Employer securities/real property in Profit Sharing Plans/401(k) Plans (8.02(A)(13)(a)). The Plan limit
on investment in qualifying Employer securities/real property is             %. (Specify a percentage which is less than 100%.) 

				
		  	 (2)
	  	 [   ]
	  	 Provisions relating to insurance and insurance company (9.08). The following provisions apply:
                                         
              (Specify such language as necessary to accommodate life insurance Contracts the Plan holds.)

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
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 Volume Submitter 401(k) Plan 

 

							
	 [Note: The provisions in this Election 56(i)(2) may override provisions in Article IX of the Plan, but
must be consistent with all other provisions of the Plan.]

				
		  	 (3)
	  	 [   ]
	  	 Cross-pay when more than one entity adopts Plan not applicable (8.12). The cross-pay provisions of Section 8.12 do
not apply.

			
	 (j)
	  	 [   ]
	  	 Code Section 415 (Article XI) override (11.02(A)(1), 4.02(F)). Because of the required aggregation of
multiple plans, to satisfy Code §415, the following overriding provisions apply:
                                        
                                         
                                         
      
 (Specify such language as necessary to satisfy §415, e.g., the Employer will reduce
Additional Additions to this plan before reducing Annual Additions to other plans.) 

			
	 (k)
	  	 [   ]
	  	 Code Section 416 (Article XI) override (11.02(A)(1), 10.03(D)). Because of the required aggregation of
multiple plans, to satisfy Code §416, the following overriding provisions apply:
                                         
                                         
                                         
     
 (Specify such language as necessary to satisfy §416, e.g., If an Employee participates in this
Plan and another Plan the Employer maintains, the Employer will satisfy any Top-Heavy Minimum Allocation in this Plan and not the other plan.)

			
	 (l)
	  	 [   ]
	  	 Multiple Employer Plan (Article XII) overrides. (Choose (1) if applicable.):

				
		  	 (1)
	  	 [   ]
	  	 No involuntary termination for Participating Employer (12.11). The Lead Employer may not involuntarily terminate the
participation of any Participating Employer under Section 12.11.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 7 

 Volume Submitter 401(k) Plan 

 

 APPENDIX C 

LIST OF GROUP TRUST FUNDS/PERMISSIBLE TRUST AMENDMENTS 

57.   [   ]   INVESTMENT IN GROUP TRUST FUND (8.09). The nondiscretionary
Trustee, as directed or the discretionary Trustee acting without direction (and in addition to the discretionary Trustee’s authority to invest in its own funds under Section 8.02(A)(3)), may invest in any of the following group trust
funds:                                        
                                         
                                         
                               .  

(Specify the names of one or more group trust funds in which the Plan can invest.)  

[Note: A discretionary or nondiscretionary Trustee also may invest in any group trust fund authorized by an independent Named Fiduciary.]

 58.   [   ]   DUTY TO COLLECT (8.02(D)(1)).
                                        
is hereby appointed as a Trustee for the Plan, and is referred to as the Special Trustee. The sole responsibility of the Special Trustee is to collect contributions the Employer owes to the Plan. No other Trustee has any duty to ensure that the
contributions received comply with the provisions of the Plan or is obliged to collect any contributions from the Employer. No Trustee, other than the Special Trustee, is obliged to ensure that funds deposited are deposited according to the
provisions of the Plan. The Special Trustee will execute a form accepting its position and agreeing to its obligations hereunder. 

59.   [   ]   PERMISSIBLE TRUST AMENDMENTS (8.11). The Employer makes the
following amendments to the Trust as permitted under Rev. Proc. 2011-49, Sections 5.09 and 14.04 (Choose one or more of (a) through (c) as applicable.): 

[Note: Any amendment under this Election 59 must not: (i) conflict with any Plan provision unrelated to the Trust or Trustee; or (ii) cause
the Plan to violate Code §401(a). The amendment may override, add to, delete or otherwise modify the Trust provisions. Do not use this Election 59 to substitute another pre-approved trust for the Trust. See Election 5(c) as to a
substitute trust.] 
 (a)   [   ]   Investments. The Employer amends the Trust
provisions relating to Trust investments as follows: 

                        
                                         
                                         
                                         
                                         
                                 . 

(b)   [   ]   Duties. The Employer amends the Trust provisions relating to Trustee
(or Custodian) duties as follows: 

                        
                                         
                                         
                                         
                                         
                                 . 

(c)   [   ]   Other administrative provisions. The Employer amends the other
administrative provisions of the Trust as follows: 

                        
                                         
                                         
                                         
                                         
                                 . 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 1 

 Volume Submitter 401(k) Plan 

 

 APPENDIX D 

TABLE I: ACTUARIAL FACTORS 
 UP-1984 
 Without Setback 
  

																			
	Number of years
from attained age
at the end of Plan Year until	  	 	  	 	  	 
	 Normal Retirement Age
	  	 7.50%
	  	 8.00%
	  	 8.50%

				
	 	 	0	 	  	 	 	8.458	 	  	 	 	8.196	 	  	 	 	7.949	 
	 	 	1	 	  	 	 	7.868	 	  	 	 	7.589	 	  	 	 	7.326	 
	 	 	2	 	  	 	 	7.319	 	  	 	 	7.027	 	  	 	 	6.752	 
	 	 	3	 	  	 	 	6.808	 	  	 	 	6.506	 	  	 	 	6.223	 
	 	 	4	 	  	 	 	6.333	 	  	 	 	6.024	 	  	 	 	5.736	 
	 	 	5	 	  	 	 	5.891	 	  	 	 	5.578	 	  	 	 	5.286	 
	 	 	6	 	  	 	 	5.480	 	  	 	 	5.165	 	  	 	 	4.872	 
	 	 	7	 	  	 	 	5.098	 	  	 	 	4.782	 	  	 	 	4.491	 
	 	 	8	 	  	 	 	4.742	 	  	 	 	4.428	 	  	 	 	4.139	 
	 	 	9	 	  	 	 	4.412	 	  	 	 	4.100	 	  	 	 	3.815	 
	 	 	10	 	  	 	 	4.104	 	  	 	 	3.796	 	  	 	 	3.516	 
	 	 	11	 	  	 	 	3.817	 	  	 	 	3.515	 	  	 	 	3.240	 
	 	 	12	 	  	 	 	3.551	 	  	 	 	3.255	 	  	 	 	2.986	 
	 	 	13	 	  	 	 	3.303	 	  	 	 	3.014	 	  	 	 	2.752	 
	 	 	14	 	  	 	 	3.073	 	  	 	 	2.790	 	  	 	 	2.537	 
	 	 	15	 	  	 	 	2.859	 	  	 	 	2.584	 	  	 	 	2.338	 
	 	 	16	 	  	 	 	2.659	 	  	 	 	2.392	 	  	 	 	2.155	 
	 	 	17	 	  	 	 	2.474	 	  	 	 	2.215	 	  	 	 	1.986	 
	 	 	18	 	  	 	 	2.301	 	  	 	 	2.051	 	  	 	 	1.831	 
	 	 	19	 	  	 	 	2.140	 	  	 	 	1.899	 	  	 	 	1.687	 
	 	 	20	 	  	 	 	1.991	 	  	 	 	1.758	 	  	 	 	1.555	 
	 	 	21	 	  	 	 	1.852	 	  	 	 	1.628	 	  	 	 	1.433	 
	 	 	22	 	  	 	 	1.723	 	  	 	 	1.508	 	  	 	 	1.321	 
	 	 	23	 	  	 	 	1.603	 	  	 	 	1.396	 	  	 	 	1.217	 
	 	 	24	 	  	 	 	1.491	 	  	 	 	1.293	 	  	 	 	1.122	 
	 	 	25	 	  	 	 	1.387	 	  	 	 	1.197	 	  	 	 	1.034	 
	 	 	26	 	  	 	 	1.290	 	  	 	 	1.108	 	  	 	 	0.953	 
	 	 	27	 	  	 	 	1.200	 	  	 	 	1.026	 	  	 	 	0.878	 
	 	 	28	 	  	 	 	1.116	 	  	 	 	0.950	 	  	 	 	0.810	 
	 	 	29	 	  	 	 	1.039	 	  	 	 	0.880	 	  	 	 	0.746	 
	 	 	30	 	  	 	 	0.966	 	  	 	 	0.814	 	  	 	 	0.688	 
	 	 	31	 	  	 	 	0.899	 	  	 	 	0.754	 	  	 	 	0.634	 
	 	 	32	 	  	 	 	0.836	 	  	 	 	0.698	 	  	 	 	0.584	 
	 	 	33	 	  	 	 	0.778	 	  	 	 	0.647	 	  	 	 	0.538	 
	 	 	34	 	  	 	 	0.723	 	  	 	 	0.599	 	  	 	 	0.496	 
	 	 	35	 	  	 	 	0.673	 	  	 	 	0.554	 	  	 	 	0.457	 
	 	 	36	 	  	 	 	0.626	 	  	 	 	0.513	 	  	 	 	0.422	 
	 	 	37	 	  	 	 	0.582	 	  	 	 	0.475	 	  	 	 	0.389	 
	 	 	38	 	  	 	 	0.542	 	  	 	 	0.440	 	  	 	 	0.358	 
	 	 	39	 	  	 	 	0.504	 	  	 	 	0.407	 	  	 	 	0.330	 
	 	 	40	 	  	 	 	0.469	 	  	 	 	0.377	 	  	 	 	0.304	 
	 	 	41	 	  	 	 	0.436	 	  	 	 	0.349	 	  	 	 	0.280	 
	 	 	42	 	  	 	 	0.406	 	  	 	 	0.323	 	  	 	 	0.258	 
	 	 	43	 	  	 	 	0.377	 	  	 	 	0.299	 	  	 	 	0.238	 
	 	 	44	 	  	 	 	0.351	 	  	 	 	0.277	 	  	 	 	0.219	 
	 	 	45	 	  	 	 	0.327	 	  	 	 	0.257	 	  	 	 	0.202	 

 Note: A Participant’s Actuarial Factor under Table I is the factor corresponding to the
number of years until the Participant reaches his/her Normal Retirement Age under the Plan. A Participant’s age as of the end of the current Plan Year is his/her age on his/her last birthday. For any Plan Year beginning on or after the
Participant’s attainment of Normal Retirement Age, the factor for “zero” years applies. 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 1 

 Volume Submitter 401(k) Plan 

 

 APPENDIX D 

TABLE II: ADJUSTMENT TO ACTUARIAL FACTORS FOR NORMAL RETIREMENT AGE 

OTHER THAN 65 
 UP-1984 
 Without Setback 
  

																			
	 Normal Retirement Age
	  	 7.50%
	  	 8.00%
	  	 8.50%

				
	 	 	55	 	  	 	 	1.2242	 	  	 	 	1.2147	 	  	 	 	1.2058	 
	 	 	56	 	  	 	 	1.2043	 	  	 	 	1.1959	 	  	 	 	1.1879	 
	 	 	57	 	  	 	 	1.1838	 	  	 	 	1.1764	 	  	 	 	1.1694	 
	 	 	58	 	  	 	 	1.1627	 	  	 	 	1.1563	 	  	 	 	1.1503	 
	 	 	59	 	  	 	 	1.1411	 	  	 	 	1.1357	 	  	 	 	1.1305	 
	 	 	60	 	  	 	 	1.1188	 	  	 	 	1.1144	 	  	 	 	1.1101	 
	 	 	61	 	  	 	 	1.0960	 	  	 	 	1.0925	 	  	 	 	1.0891	 
	 	 	62	 	  	 	 	1.0726	 	  	 	 	1.0700	 	  	 	 	1.0676	 
	 	 	63	 	  	 	 	1.0488	 	  	 	 	1.0471	 	  	 	 	1.0455	 
	 	 	64	 	  	 	 	1.0246	 	  	 	 	1.0237	 	  	 	 	1.0229	 
	 	 	65	 	  	 	 	1.0000	 	  	 	 	1.0000	 	  	 	 	1.0000	 
	 	 	66	 	  	 	 	0.9752	 	  	 	 	0.9760	 	  	 	 	0.9767	 
	 	 	67	 	  	 	 	0.9502	 	  	 	 	0.9518	 	  	 	 	0.9533	 
	 	 	68	 	  	 	 	0.9251	 	  	 	 	0.9274	 	  	 	 	0.9296	 
	 	 	69	 	  	 	 	0.8998	 	  	 	 	0.9027	 	  	 	 	0.9055	 
	 	 	70	 	  	 	 	0.8740	 	  	 	 	0.8776	 	  	 	 	0.8810	 
	 	 	71	 	  	 	 	0.8478	 	  	 	 	0.8520	 	  	 	 	0.8561	 
	 	 	72	 	  	 	 	0.8214	 	  	 	 	0.8261	 	  	 	 	0.8307	 
	 	 	73	 	  	 	 	0.7946	 	  	 	 	0.7999	 	  	 	 	0.8049	 
	 	 	74	 	  	 	 	0.7678	 	  	 	 	0.7735	 	  	 	 	0.7790	 
	 	 	75	 	  	 	 	0.7409	 	  	 	 	0.7470	 	  	 	 	0.7529	 
	 	 	76	 	  	 	 	0.7140	 	  	 	 	0.7205	 	  	 	 	0.7268	 
	 	 	77	 	  	 	 	0.6874	 	  	 	 	0.6942	 	  	 	 	0.7008	 
	 	 	78	 	  	 	 	0.6611	 	  	 	 	0.6682	 	  	 	 	0.6751	 
	 	 	79	 	  	 	 	0.6349	 	  	 	 	0.6423	 	  	 	 	0.6494	 
	 	 	80	 	  	 	 	0.6090	 	  	 	 	0.6165	 	  	 	 	0.6238	 

 Note: Use Table II only if the Normal Retirement Age for any Participant is not 65. If a
Participant’s Normal Retirement Age is not 65, adjust Table I by multiplying all factors applicable to that Participant in Table I by the appropriate Table II factor. 

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 2 

 Volume Submitter 401(k) Plan 

 

 PPD ADOPTION AGREEMENT 

ADMINISTRATIVE CHECKLIST 

  January 1, 2016   

This Administrative Checklist (“AC”) is not part of the Adoption Agreement or Plan but is for the use of the Plan Administrator in
administering the Plan. Relius software also uses the AC and the following Supporting Forms Checklist (“SFC”) in preparing the Plan’s SPD and some administrative forms, such as the Loan Policy, if applicable. 

The plan document preparer need not complete the AC but may find it useful to do so. The preparer may modify the AC, including adding items,
without affecting reliance on the Plan’s opinion or advisory letter since the AC is not part of the approved Plan. Any change to this AC is not a Plan amendment and is not subject to any Plan provision or to Applicable Law regarding the timing
or form of Plan amendments. However, the Plan Administrator’s administration of any AC item must be in accordance with applicable Plan terms and with Applicable Law. 

The AC reflects the Plan policies and operation as of the date set forth above and may also reflect Plan policies and operation pre-dating the specified date. 
  

															
	 AC1.   PLAN LOANS  (7.06). The Plan permits or does not permit
Participant Loans as follows (Choose one of (a) or (b).):

		 	 (a)
	 	 [   ]
	 	 Does not permit.

		 	 (b)
	 	 [X]
	 	 Permitted pursuant to the Loan Policy. See SFC Election 74 to complete Loan Policy.

	
	 AC2.   PARTICIPANT DIRECTION OF INVESTMENT (7.03(B)). The Plan permits Participant
direction of investment or does not permit Participant direction of investment as to some or all Accounts as follows (Choose one of (a) or (b).):

		 	 (a)
	 	 [   ]
	 	 Does not permit. The Plan does not permit Participant direction of investment of any
Account.

		 	 (b)
	 	 [X]
	 	 Permitted as follows. The Plan permits Participant direction of investment. (Complete (1) through
(4).):

		 		 		 	 (1)
	 	 Accounts affected. (Choose a. or choose one or more of b. through f.):

		 		 		 		 	 a.
	 	 [X]
	 	 All Accounts.

		 		 		 		 	 b.
	 	 [   ]
	 	 Elective Deferral Accounts (Pre-tax and Roth) and Employee Contributions.

		 		 		 		 	 c.
	 	 [   ]
	 	 All Nonelective Contribution Accounts.

		 		 		 		 	 d.
	 	 [   ]
	 	 All Matching Contribution Accounts.

		 		 		 		 	 e.
	 	 [   ]
	 	 All Rollover Contribution and Transfer Accounts.

		 		 		 		 	 f.
	 	 [   ]
	 	 Specify Accounts:
	 	  

		 		 		 	 (2)
	 	 Restrictions on Participant direction (Choose one of a. or b.):

		 		 		 		 	 a.
	 	 [   ]
	 	 None. Provided the investment does not result in a prohibited transaction, give rise to UBTI, create
administrative problems or violate the Plan terms or Applicable Law.

		 		 		 		 	 b.
	 	 [X]
	 	 Restrictions:  Company stock has the following restriction: Investment elections and fund
transfers are limited to 20%.

		 		 		 	 (3)
	 	 ERISA §404(c). (Choose one of a. or b.):

		 		 		 		 	 a.
	 	 [X]
	 	 Applies.

		 		 		 		 	 b.
	 	 [   ]
	 	 Does not apply.

		 		 		 	 (4)
	 	 QDIA (Qualified Default Investment Alternative). (Choose one of a. or b.):

		 		 		 		 	 a.
	 	 [X]
	 	 Applies. See SFC Election 122 for details.

		 		 		 		 	 b.
	 	 [   ]
	 	 Does not apply.

	
	 AC3.   ROLLOVER CONTRIBUTIONS  (3.08). The Plan permits or does not
permit Rollover Contributions as follows (Choose one of (a) or (b).):

		 	 (a)
	 	 [   ]
	 	 Does not permit.

		 	 (b)
	 	 [X]
	 	 Permits. Subject to approval by the Plan Administrator and as further described below (Complete (1)
and (2).):

		 		 		 	 (1)
	 	 Who may roll over. (Choose one of a. or b.):

		 		 		 		 	 a.
	 	 [   ]
	 	 Participants only.

		 		 		 		 	 b.
	 	 [X]
	 	 Eligible Employees or Participants.

		 		 		 	 (2)
	 	 Sources/Types. The Plan will accept a Rollover Contribution (Choose one of a. or
b.):

		 		 		 		 	 a.
	 	 [   ]
	 	 All. From any Eligible Retirement Plan and as to all Contribution Types eligible to be rolled into this
Plan.

		 		 		 		 	 b.
	 	 [X]
	 	 Limited. Only from the following types of Eligible Retirement Plans and/or as to the following
Contribution Types: Allowed from a (1) qualified retirement plan described in Code 401(a) or Code 403(a). Is a tax-qualified retirement plan described in Code 401(a) or Code 403(a), (2) an annuity contract described in 403(b) of the Code, (3) or
an eligible plan under 457(b) of the Code which is maintained by a state, political subdivision of a state, or any agency or instrumentality of a state or political subdivision of a state. (4) an individual retirement account which was used solely
as a conduit from a qualified plan described in Section 401(a) of the Code, excluding after-tax
Contributions                                       
         .

	
	 AC4.   PLAN EXPENSES  (7.04(C)). The Employer will pay or the Plan will
be charged with non-settlor Plan expenses as follows (Choose one of (a) or (b).):

		 	 (a)
	 	 [   ]
	 	 Employer pays all expenses except those intrinsic to Trust assets which the Plan will pay (e.g., brokerage
commissions).

		 	 (b)
	 	 [X]
	 	 Plan pays some or all non-settlor expenses. See SFC Election 119 for details.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 1 

 Volume Submitter 401(k) Plan 

 

													
	 AC5.   RELATED AND PARTICIPATING EMPLOYERS/MULTIPLE EMPLOYER PLAN (1.24(C)/(D)).
There are or are not Related Employers and Participating Employers as follows (Complete (a) through (d).):

		 	 (a)
	 	 Related Employers. (Choose one of (1) or (2).):

		 		 	 (1)
	 	 [   ]
	 	 None.

		 		 	 (2)
	 	 [X]
	 	 Name(s) of Related Employers:   Belterra Resort Indiana, LLC, Double Bogey, LLC, Louisiana-1
Gaming a Louisiana partnership in Commendam, Ogle Haus, LLC, PNK(Baton Rouge) Partnership, PNK(Bossier City), Inc., PNK(Lake Charles), LLC, PNK(River City), LLC, PNK(SAM), LLC, PNK(Ohio), LLC, PNK Development 7, LLC, Cactus Pete’s, Inc.,
Ameristar Casino Vicksburg, Inc., Ameristar Casino Council Bluffs, LLC, Ameristar Casino Kansas City, Inc., Ameristar Casino St. Charles, Inc., Ameristar Casino Black Hawk, Inc., Ameristar Casino East Chicago,
LLC                                         
  

		 	 (b)
	 	 Participating (Related) Employers. (Choose one of (1) or (2).):

		 		 	 (1)
	 	 [   ]
	 	 None.

		 		 	 (2)
	 	 [X]
	 	 Name(s) of Participating Employers:   Belterra Resort Indiana, LLC, Double Bogey, LLC,
Louisiana-1 Gaming a Louisiana partnership in Commendam, Ogle Haus, LLC, PNK(Baton Rouge) Partnership, PNK(Bossier City), Inc., PNK(Lake Charles), LLC, PNK(River City), LLC, PNK(SAM), LLC, PNK(Ohio), LLC, PNK Development 7, LLC, Cactus Pete’s,
Inc., Ameristar Casino Vicksburg, Inc., Ameristar Casino Council Bluffs, LLC, Ameristar Casino Kansas City, Inc., Ameristar Casino St. Charles, Inc., Ameristar Casino Black Hawk, Inc., Ameristar Casino East Chicago,
LLC                                       See SFC
Election 76 for details.

		 	 (c)
	 	 Former Participating Employers. (Choose one of (1) or (2).):

		 		 	 (1)
	 	 [   ]
	 	 None.
	 		 	
		 		 	 (2)
	 	 [X]
	 	 Applies.
	 		 	
							
		 		 		 		 	 Name(s)
	 		 	 Date of cessation

		 		 		 		 	 Casino One Corporation
	 		 	 April 1,
2014                                    

		 		 		 		 	 PNK(ES), LLC
	 		 	 April 1,
2014                                    

			
		 	 (d)
	 	 Multiple Employer Plan status. (Choose one of (1) or (2).):

		 		 	 (1)
	 	 [X]
	 	 Does not apply.

		 		 	 (2)
	 	 [   ]
	 	 Applies. The Signatory Employer is the Lead Employer and at least one Participating Employer is not a
Related Employer. (Complete a.)

		 		 		 	 a.
	 	 Name(s) of Participating Employers (other than Related Employers described above):
                                         
                  .

		 		 		 		 	 See SFC Election 76 for details.

	
	 AC6.   TOP-HEAVY MINIMUM-MULTIPLE PLANS (10.03). If the Employer maintains another
plan, this Plan provides that the Plan Administrator operationally will determine in which plan the Employer will satisfy the Top-Heavy Minimum Contribution (or benefit) requirement as to Non-Key Employees who participate in such plans and who are
entitled to a Top-Heavy Minimum Contribution (or benefit). This Election documents the Plan Administrator’s operational election. (Choose (a) or choose one of (b) or (c).):

		 	 (a)
	 	 [X]
	 	 Does not apply.

		 	 (b)
	 	 [   ]
	 	 If only another Defined Contribution Plan. Make the Top-Heavy Minimum Allocation (Choose one of (1) or
(2).):

		 		 	 (1)
	 	 [   ]
	 	 To this Plan.

		 		 	 (2)
	 	 [   ]
	 	 To another Defined Contribution Plan:
                                        
                                         
                    (plan name)

		 	 (c)
	 	 [   ]
	 	 If one or more Defined Benefit Plans. Make the Top-Heavy Minimum Allocation or provide the top-heavy
minimum benefit (Choose one of (1), (2), or (3).):

		 		 	 (1)
	 	 [   ]
	 	 To this Plan. Increase the Top-Heavy Minimum Allocation to 5%.

		 		 	 (2)
	 	 [   ]
	 	 To another Defined Contribution Plan. Increase the Top-Heavy Minimum Allocation to 5% and provide under
the:
                                         
                                         
                   (name of other Defined Contribution Plan).

		 		 	 (3)
	 	 [   ]
	 	 To a Defined Benefit Plan. Provide the 2% top-heavy minimum benefit under the:
                                   (name of Defined Benefit Plan) and
applying the following interest rate and mortality assumptions:
                            .

	
	 AC7.   SELF-EMPLOYED PARTICIPANTS (1.22(A)). One or more self-employed
Participants with Earned Income benefits in the Plan as follows (Choose one of (a) or (b).):

		 	 (a)
	 	 [X]
	 	 None.

		 	 (b)
	 	 [   ]
	 	 Applies.

	
	 AC8.   PROTECTED BENEFITS (11.02(C)). The following Protected Benefits no longer
apply to all Participants or do not apply to designated amounts/Participants as indicated, having been eliminated by a Plan amendment (Choose one of (a) or (b).):

		 	 (a) 
	 	 [X]
	 	 Does not apply. No Protected Benefits have been eliminated.

		 	 (b)
	 	 [   ]
	 	 Applies. Protected Benefits have been eliminated as follows (Choose one or more of rows (1) through
(4) as applicable. Choose one of columns (1), (2), or (3), and complete column (4).):

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 2 

 Volume Submitter 401(k) Plan 

 

																			
	 	 	 	 	 	 	 	 	 	 	 	  	 (1)

All
      Participants/      

Accounts
	  	 (2)

Post-E.D.

Contribution

      Accounts only      
	  	 (3)

Post-E.D.

       Participants       

only
	  	 (4)

     Effective     

Date

(E.D.)

		 		 	 (1)
	 	  [   ]
	 	  QJSA/QPSA distributions
	  	  
 [   ]
	  	[   ]	  	[   ]	  	
		 		 		 		 		 		  		  		  		  	  

									
		 		 	 (2)
	 	  [   ]
	 	  Installment distributions
	  	[   ]	  	[   ]	  	[   ]	  	
		 		 		 		 		 		  		  		  		  	  

									
		 		 	 (3)
	 	  [   ]
	 	  In-kind distributions
	  	[   ]	  	[   ]	  	[   ]	  	
		 		 		 		 		 		  		  		  		  	  

						
		 		 	 (4)
	 	  [   ]
	 	  Specify:
	 	  

		
	 AC9. 
	 	  LIFE INSURANCE (9.01). The Trust invests or does not invest in life insurance Contracts as follows
(Choose one of (a) or (b).):

		 	  (a)
	 	 [X]
	 	  Does not apply.

		 	  (b)
	 	 [   ]
	 	  Applies. Subject to the limitations and other provisions in Article IX and/or Appendix
B.

		
	 AC10. 
	 	  DISTRIBUTION OF CASH OR PROPERTY (8.04). The Plan provides for distribution in the form of
(Choose one of (a) or (b).):

		 	  (a)
	 	 [   ]
	 	  Cash only. Except where property distribution is required or permitted under Section
8.04.

		 	  (b)
	 	 [X]
	 	  Cash or property. At the distributee’s election and consistent with any Plan Administrator
policy under Section 8.04.

	
	 AC11.  EMPLOYER SECURITIES/EMPLOYER REAL PROPERTY (8.02(A)(13)). The Trust invests or
does not invest in qualifying Employer securities and/or qualifying Employer real property as follows (Choose one of (a) or (b).): 

		 	  (a)
	 	 [   ]
	 	  Does not apply.

		 	  (b)
	 	 [X]
	 	  Applies. Such investments are subject to the limitations of Section 8.02(A)(13) and/or Appendix
B.

  
 © 2014 Wells Fargo
Bank, N.A. or its suppliers 
 3EX-10.1

 Exhibit 10.1 

AMENDMENT No. 4 TO CREDIT AGREEMENT 

This AMENDMENT No. 4 (this “Fourth Amendment”), dated April 27, 2016, to the Credit Agreement referred to below by and among
Tallgrass Energy Partners, LP, a Delaware limited partnership (the “Borrower”), the other Loan Parties party hereto (collectively, the “Grantors”), the Lenders party hereto, the Issuing Banks party hereto, the Swing
Line Lenders party hereto and Barclays Bank PLC, as administrative agent (in such capacity, the “Administrative Agent”) and collateral agent (in such capacity, the “Collateral Agent”). 

RECITALS 
 WHEREAS, the
Borrower, the several Lenders parties thereto, the Issuing Banks party thereto, the Swing Line Lenders party thereto and the Administrative Agent and Collateral Agent have entered into that certain Credit Agreement, dated as of May 17, 2013, as
amended by (i) Amendment No. 1 to Credit Agreement, dated as of June 25, 2014, among the Borrower, the several Lenders party thereto, the Issuing Banks party thereto, the Swing Line Lenders party thereto and the Administrative Agent and Collateral
Agent, (ii) Amendment No. 2 to Credit Agreement, dated as of November 24, 2015, among the Borrower, the other Loan Parties party thereto, the Lenders party thereto, the Issuing Banks party thereto, the Swing Line Lenders party thereto and the
Administrative Agent and Collateral Agent, and (iii) Amendment No. 3 to Credit Agreement, dated as of January 11, 2016, among the Borrower, the other Loan Parties party thereto, the Lenders party thereto and the Administrative Agent and Collateral
Agent (together with the exhibits and schedules attached thereto, as amended, restated, supplemented or otherwise modified prior to the date hereof, the “Credit Agreement”; capitalized terms used but not defined herein shall have
the meanings assigned to them in the Credit Agreement); 
 WHEREAS, the Borrower has requested this amendment to the Credit Agreement, as
described in more detail in this Fourth Amendment; 
 WHEREAS, the Lenders party hereto, the Issuing Banks party hereto, the Swing Line
Lenders party hereto, the Administrative Agent and the Collateral Agent are willing, on the terms and subject to the conditions set forth below, to consent to the amendment of the Credit Agreement as provided herein; and 

WHEREAS, pursuant to that certain letter agreement, dated as of April 22, 2016, by and among the Borrower and Wells Fargo Securities, LLC and
Barclays Bank PLC, as joint lead arrangers (collectively, the “Arrangers”), the Borrower has retained the Arrangers to act as joint bookrunners and joint lead arrangers in connection with this Fourth Amendment (the
“Engagement Letter”). 
 NOW, THEREFORE, in consideration of the covenants and agreements contained herein, as well as
other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereto agree as follows: 

 ARTICLE I 

DEFINITIONS 
 SECTION
1.1 Certain Definitions. Capitalized terms used (including in the preamble and recitals hereto) but not defined herein shall have the meanings assigned to such terms in the Credit Agreement. As used in this Fourth Amendment:

 “Administrative Agent” is defined in the preamble hereto. 

“Arrangers” is defined in the preamble hereto. 

“Assignee Lender” is defined in Section 3.2. 

“Assignor Lender” is defined in Section 3.2. 

“Borrower” is defined in the preamble hereto. 

“Collateral Agent” is defined in the preamble hereto. 

“Credit Agreement” is defined in the first recital hereto. 

“Engagement Letter” is defined in the fourth recital hereto. 

“Fourth Amendment” is defined in the preamble hereto. 

“Fourth Amendment Effective Date” shall mean the date on which the conditions set forth in Article IV of this Fourth
Amendment are satisfied or waived. 
 “REX Acquisition” means the acquisition by a REX HoldCo, directly or indirectly
through REX Holdings, of not less than a 16-2/3% membership interest in Rockies Express Pipeline LLC, a Delaware limited liability company, pursuant to the REX MPA. 

“REX Closing Date” is defined in Section 3.1(a). 

“REX MPA” means that certain Membership Interest Purchase Agreement dated as of March 29, 2016 by and between Sempra REX
Holdings, LLC and Rockies Express Holdings, LLC. 

  
 2 

 ARTICLE II 

AMENDMENTS TO LOAN DOCUMENTS 

Effective as of the Fourth Amendment Effective Date, the Credit Agreement is hereby amended as follows: 

SECTION 2.1 Amendments to Defined Terms. The following defined terms in Section 1.01 of the Credit Agreement are amended as
follows: 
 (a) The definition of “Amended Engagement Letter” is hereby deleted in its entirety and
replaced with the following definition: 
 “Amended Engagement Letter” shall mean the Engagement Letter dated April
22, 2016 by and among the Borrower and the Arrangers, as the same may be amended, restated, amended and restated, supplemented or otherwise modified from time to time. 

(b) The definition of “Consolidated EBITDA” is hereby deleted in its entirety and replaced with the
following definition: 
 “Consolidated EBITDA” shall mean, at any Date of Determination for the Applicable Period
related thereto, an amount equal to Consolidated Net Income in respect of such Applicable Period plus 
 (x) the sum
of the following, without duplication, and in the cases of clauses (a) and (b), to the extent deducted in calculating such Consolidated Net Income: 

(a) (i) provision for all Taxes (whether or not paid, estimated or accrued) based on income, profits or capital (including
penalties and interest, if any), net of any applicable credits, (ii) Consolidated Interest Expense and (iii) depreciation, amortization and all other non-cash charges or non-cash losses, plus 

(b) any costs or expenses pursuant to any equity-related benefit plan, or any stock subscription or shareholder agreement, to
the extent funded with cash proceeds contributed to the capital of the Borrower as common equity, plus 
 (c) for any
Material Projects commenced (or acquired) by the Borrower or any Restricted Subsidiary with a Commencement Date occurring on or prior to the Date of Determination, Consolidated EBITDA Material Project Adjustments for such Material Project for such
period; provided that the aggregate amount of adjustments included in this clause (c) for any period (1) in respect of all Material Projects taken together (other than the Pony
Express Material Project) shall not exceed 15% of pro forma Consolidated EBITDA (calculated without giving effect to this clause (c)) and (2) in respect of the Pony Express Material Project shall not exceed the Pony Express Adjustment
Limit, 
 minus 

  
 3 

 (y) the following to the extent included in calculating such Consolidated Net
Income, without duplication: 
 (a) without duplication of the netting provided in clause (x)(a)(i) above,
Federal, state, local and foreign income tax credits of the Borrower and its Subsidiaries for such period; 
 (b) all cash
payments made during such period on account of reserves, restructuring charges, and other non-cash charges added to Consolidated Net Income pursuant to clause (x)(a)(iii) above; and 

(c) other income of the Borrower and the Restricted Subsidiaries increasing Consolidated Net Income which does not represent a
cash item in such period; 
 provided, however, that if REX is a Restricted Subsidiary, the amount of any adjustment pursuant to
clause (x) or (y) above attributable to REX shall be equal to the total amount of such item multiplied by the percentage of the Equity Interests of REX directly or indirectly owned by the Borrower and its Wholly-Owned Restricted
Subsidiaries. 
 Notwithstanding the foregoing, (a) for purposes of calculating the Total Leverage Ratio for purposes of
Section 4.02(n), Consolidated EBITDA for the Applicable Period shall be deemed to be $76,300,000, (b) for purposes of calculating the Total Leverage Ratio and Interest Coverage Ratio for any period (A) the Consolidated EBITDA of any
Person that becomes a Restricted Subsidiary acquired by the Borrower or any Restricted Subsidiary pursuant to either a Permitted Acquisition for Acquisition Consideration greater than $10,000,000 or an investment made pursuant to Section
6.04(k), (l) (but only beginning at the end of the third full fiscal quarter after the Commercial Operation Date of the Pony Express Material Project; it being understood that prior to such date the Consolidated EBITDA Material Project
Adjustment for Pony Express shall be included in the Borrower’s Consolidated EBITDA), (n), (o) or (p) greater than $10,000,000 during such period shall be included on a pro forma basis for such period (assuming the
consummation of such acquisition and the incurrence or assumption of any Indebtedness in connection therewith occurred as of the first day of such period) and (B) the Consolidated EBITDA of any Person or line of business sold or otherwise disposed
of for consideration greater than $10,000,000 by the Borrower or any Restricted Subsidiary during such period shall be excluded for such period (assuming the consummation of such sale or other disposition and the repayment of any Indebtedness in
connection therewith occurred as of the first day of such period), (c) for purposes of determining the Interest Coverage Ratio and the Total Leverage Ratio as of or for the periods ended on September 30, 2013, December 31, 2013 and March 31, 2014
Consolidated EBITDA 

  
 4 

 
will be deemed to be equal to (i) for the fiscal quarter ended December 31, 2012, $19,100,000, (ii) for the fiscal quarter ended March 31, 2013, $19,100,000 and (iii) for the fiscal quarter ended
June 30, 2013, $19,100,000, (d) the Consolidated EBITDA attributable to REX shall not exceed the Consolidated EBITDA of the Borrower and its Restricted Subsidiaries (other than Consolidated EBITDA attributable to REX) and (e) if REX is not a
Restricted Subsidiary, cash dividends or distributions received from REX during any Applicable Period shall only be included in Consolidated EBITDA if, as of the applicable Date of Determination, (x) the Borrower and Affiliates of the Borrower own
Equity Interests representing greater than 50.0% of the voting and economic rights of all issued and outstanding Equity Interests of REX, (y) the Borrower or an Affiliate of the Borrower is the operator of the REX assets and (z) the consent of the
Borrower or its Affiliates (or their representatives) is required to determine the amount and frequency of distributions made from REX to its equity holders. 

(c) The definition of “Consolidated Interest Expense” is hereby deleted in its entirety and replaced
with the following definition: 
 “Consolidated Interest Expense” shall mean, for any period, the sum of (a) the
interest expense (including imputed interest expense in respect of Capital Lease Obligations and Synthetic Lease Obligations) of the Borrower and the Restricted Subsidiaries for such period, determined on a consolidated basis in accordance with
GAAP, plus (b) any interest accrued during such period in respect of Indebtedness of the Borrower or any Restricted Subsidiary that is required to be capitalized rather than included in consolidated interest expense for such period in
accordance with GAAP; provided, however, that if REX is a Restricted Subsidiary, “Consolidated Interest Expense” attributable to REX shall only include the interest expense of REX multiplied by the percentage of the Equity Interests
of REX directly or indirectly owned by the Borrower and its Wholly-Owned Restricted Subsidiaries. For purposes of the foregoing, interest expense shall be determined after giving effect to any net payments made or received by the Borrower or any
Restricted Subsidiary with respect to interest rate Hedging Agreements. For purposes of determining the Interest Coverage Ratio for the period of four consecutive quarters ended September 30, 2013, December 31, 2013 and March 31, 2014,
Consolidated Interest Expense shall be deemed to be equal to (i) for the fiscal quarter ended December 31, 2012, $2,100,000, (ii) for the fiscal quarter ended March 31, 2013, $2,100,000 and (iii) for the fiscal quarter ended June 30, 2013,
$2,100,000. 

  
 5 

 (d) The first and fourth paragraphs in the definition of “Consolidated
Net Income” are hereby deleted and replaced with the following paragraphs: 
 “Consolidated Net Income”
shall mean, as of any Date of Determination for the Applicable Period related thereto, the net income (or loss) of the Borrower and its Restricted Subsidiaries on a consolidated basis in accordance with GAAP; provided, however, that
Consolidated Net Income shall exclude (a) extraordinary gains, losses, charges or expenses for such Applicable Period, (b) the net income of any Restricted Subsidiary during such Applicable Period to the extent that the declaration or payment of
dividends or similar distributions by such Restricted Subsidiary of such income is not permitted on such Date of Determination by operation of the terms of its Organizational Documents or any agreement, instrument or law applicable to such
Restricted Subsidiary, except that the Borrower’s equity in any net loss of any such Restricted Subsidiary for such Applicable Period shall be included in determining Consolidated Net Income, (c) any income (or loss) for such Applicable Period
of any Person if such Person is not a Restricted Subsidiary of the Borrower, except that the aggregate amount distributed by such Person during such Applicable Period to the Borrower or a Restricted Subsidiary of the Borrower as a cash dividend or
other cash distribution (as long as, in the case of a cash dividend or other cash distribution to a Restricted Subsidiary of the Borrower, such Restricted Subsidiary is not precluded from further distributing such amount to the Borrower as described
in clause (b) of this proviso) shall be included in Consolidated Net Income (but only to the extent such cash dividends or distributions do not exceed the Borrower’s proportional share in the EBITDA (less Consolidated Interest Expense) of such
Person (calculated based on Borrower’s and any Restricted Subsidiary’s aggregate percentage ownership of the total outstanding Equity Interests of such Person and with EBITDA and Consolidated Interest Expense of such Person being
calculated using the same methodology for Consolidated EBITDA and Consolidated Interest Expense, as applicable, as if such Person were a Restricted Subsidiary hereunder)), (d) non-cash gains and losses attributable to movement in the mark-to-market
valuation of Hedging Agreements pursuant to Financial Standards Accounting Board (“FASB”) Accounting Standards Codification (“ASC 815”), (e) the cumulative effect of a change in accounting
principles, (f) any charges or expenses relating to severance, relocation and one-time compensation charges, (g) gain or loss realized upon the sale or other disposition of assets, (h) deferred financing costs written off and premiums paid in
connection with any early extinguishment of Indebtedness or any Hedging Agreement, (i) non-cash charges, expenses or other impacts of purchase or recapitalization accounting, including, to the extent applicable, any accruals and reserves established
under purchase or recapitalization accounting as a result of the Transactions in accordance with GAAP, (j) non-cash impairment charges or asset write-offs, and any amortization of intangibles, (k) cash charges or costs in connection with any
investment, sale or other disposition of assets, issuance of Equity Interests or Indebtedness, or amendment relating 

  
 6 

 
to any Indebtedness (in each case, whether or not completed), (l) to the extent covered by insurance and actually reimbursed, any expenses with respect to liability or casualty events or business
interruption and (m) in the case of any Restricted Subsidiary, the net income of such Restricted Subsidiary attributable to any minority or other membership interest in such Restricted Subsidiary held directly or indirectly by a Person other than
the Borrower and its Wholly-Owned Restricted Subsidiaries.
 Notwithstanding the foregoing, for purposes of calculating the
Total Leverage Ratio and Interest Coverage Ratio for any period (A) with respect to any Person whose Equity Interests are acquired by the Borrower or any Restricted Subsidiary pursuant to an investment made pursuant to Section 6.04(k),
(l) (but only beginning at the end of the third full fiscal quarter after the Commercial Operation Date of the Pony Express Material Project; it being understood that prior to such date the applicable Projected Pony Express Distributable
Amount calculated pursuant to the second paragraph of this definition shall be included in the Borrower’s Consolidated Net Income), (o) or (p) greater than $10,000,000 during such period (but does not become a Restricted
Subsidiary as a result of such acquisition), the aggregate amount of cash distributions made by such Person to the holders of its Equity Interests during such Applicable Period multiplied by the percentage of the Equity Interests of such Person
acquired by the Borrower or any Restricted Subsidiary shall be included on a pro forma basis for such period (assuming the consummation of such acquisition and the incurrence or assumption of any Indebtedness in connection therewith occurred as of
the first day of such period), (B) if any Equity Interests in REX Holdings or REX are acquired pursuant to an investment made pursuant to Section 6.04(n) during such period (but REX Holdings or REX, as applicable, does not become a Restricted
Subsidiary as a result of such acquisition), the aggregate amount of cash distributions made by REX to the holders of its Equity Interests during such Applicable Period multiplied by the percentage of the Equity Interests of REX directly or
indirectly acquired by a REX HoldCo shall be included on a pro forma basis for such period (assuming the consummation of such acquisition and the incurrence or assumption of any Indebtedness in connection therewith occurred as of the first day of
such period) and (C) the aggregate amount of cash distributions made by any Person that is not a Restricted Subsidiary whose Equity Interests are sold or otherwise disposed of for consideration greater than $10,000,000 by the Borrower or any
Restricted Subsidiary during such period shall be excluded for such period (assuming the consummation of such sale or other disposition and the repayment of any Indebtedness in connection therewith occurred as of the first day of such period). 

  
 7 

 (e) The definition of “Defaulting Lender” is hereby
deleted in its entirety and replaced with the following definition: 
 “Defaulting Lender” shall mean, subject to
Section 2.21(b), any Lender that (a) has failed to (i) fund all or any portion of its Loans within two (2) Business Days of the date such Loans were required to be funded hereunder unless such Lender notifies the Administrative Agent and the
Borrower in writing that such failure is the result of such Lender’s determination that one or more conditions precedent to funding (each of which conditions precedent, together with any applicable default, shall be specifically identified in
such writing) has not been satisfied, or (ii) pay to the Administrative Agent, any Issuing Bank or any other Lender any other amount required to be paid by it hereunder (including in respect of its participation in Swing Line Loans and Letters of
Credit) within two (2) Business Days of the date when due, (b) has notified the Borrower, the Administrative Agent or any Issuing Bank in writing that it does not intend to comply with its funding obligations hereunder, or has made a public
statement to that effect (unless such writing or public statement relates to such Lender’s obligation to fund a Loan hereunder and states that such position is based on such Lender’s determination that a condition precedent to funding
(which condition precedent, together with any applicable default, shall be specifically identified in such writing or public statement) cannot be satisfied), (c) has failed, within three (3) Business Days after written request by the Administrative
Agent or the Borrower, to confirm in writing to the Administrative Agent and the Borrower that it will comply with its prospective funding obligations hereunder (provided that such Lender shall cease to be a Defaulting Lender pursuant to this
clause (c) upon receipt of such written confirmation by the Administrative Agent and the Borrower), or (d) has, or has a direct or indirect parent company that has, (i) become the subject of a proceeding under any Debtor Relief Law, (ii) had
appointed for it a receiver, custodian, conservator, trustee, administrator, assignee for the benefit of creditors or similar Person charged with reorganization or liquidation of its business or assets, including the Federal Deposit Insurance
Corporation or any other state or federal regulatory authority acting in such a capacity or (iii) become the subject of a Bail-In Action; provided that a Lender shall not be a Defaulting Lender solely by virtue of the ownership or
acquisition of any Equity Interest in that Lender or any direct or indirect parent company thereof by a Governmental Authority so long as such ownership interest does not result in or provide such Lender with immunity from the jurisdiction
of courts within the United States or from the enforcement of judgments or writs of attachment on its assets or permit such Lender (or such Governmental Authority) to reject, repudiate, disavow or disaffirm any contracts or agreements made with such
Lender, provided, further, that the appointment of an administrator, provisional liquidator, conservator, receiver, trustee, custodian or other similar official by a supervisory authority or regulator with respect to a Lender or a direct or
indirect parent company of a Lender under the Dutch Financial Supervision Act 2007 (as amended from time to time and including any 

  
 8 

 
successor legislation) shall not be deemed an event described in clause (d) of this definition. Any determination by the Administrative Agent that a Lender is a Defaulting Lender under
clauses (a) through (d) above shall be conclusive and binding absent manifest error, and such Lender shall be deemed to be a Defaulting Lender (subject to Section 2.21(b)) upon delivery of written notice of such
determination to the Borrower, each Issuing Bank and each Lender. 
 (f) The definition of “Permitted Drop Down
Acquisition” is hereby deleted in its entirety and replaced with the following definition: 
 “Permitted Drop Down
Acquisition” shall mean any Drop-Down Acquisition approved after the Closing Date by the Conflicts Committee in accordance with the terms of the LP Agreement. 

(g) The following sentence is hereby inserted at the end of the existing definition of “subsidiary”:

 The appointment of REX HoldCo as the managing member of REX Holdings in connection with an acquisition of an Equity Interest in REX
Holdings pursuant to Section 6.04(n) shall not cause REX Holdings or REX to be a subsidiary of the Borrower or any of its Restricted Subsidiaries for purposes of this Agreement so long as the Borrower and its Wholly-Owned Restricted
Subsidiaries, directly and indirectly, do not own more than 50.0% of the issued and outstanding Equity Interests of REX. 

(h) The definition of “Total Debt” is hereby deleted in its entirety and replaced with the following
definition: 
 “Total Debt” shall mean, at any time, (a) the total Indebtedness (excluding Indebtedness of the type
described in clause (h), clause (i), clause (j) and clause (k) of the definition of Indebtedness, except, in the case of clause (k), to the extent of any unreimbursed drawings thereunder) of the Borrower and the Restricted Subsidiaries at such time;
and minus (b) Unrestricted Cash of up to $7,500,000; provided, however, that, if REX is a Restricted Subsidiary, Total Debt attributable to REX shall only include the Indebtedness of REX multiplied by the percentage of the Equity Interests of
REX directly or indirectly owned by the Borrower and its Wholly-Owned Restricted Subsidiaries. 
 SECTION 2.2 New Defined Terms.
Section 1.01 of the Credit Agreement is amended by adding the following definitions in the appropriate alphabetical order: 

“Bail-In Action” shall mean the exercise of any Write-Down and Conversion Powers by the applicable EEA Resolution
Authority in respect of any liability of an EEA Financial Institution. 

  
 9 

 “Bail-In Legislation” shall mean, with respect to any EEA Member Country
implementing Article 55 of Directive 2014/59/EU of the European Parliament and of the Council of the European Union, the implementing law for such EEA Member Country from time to time which is described in the EU Bail-In Legislation Schedule. 

“EEA Financial Institution” shall mean (a) any credit institution or investment firm established in any EEA Member
Country which is subject to the supervision of an EEA Resolution Authority, (b) any entity established in an EEA Member Country which is a parent of an institution described in clause (a) of this definition, or (c) any financial institution
established in an EEA Member Country which is a subsidiary of an institution described in clauses (a) or (b) of this definition and is subject to consolidated supervision with its parent; 

“EEA Member Country” shall mean any of the member states of the European Union, Iceland, Liechtenstein, and Norway.

 “EEA Resolution Authority” shall mean any public administrative authority or any person entrusted with public
administrative authority of any EEA Member Country (including any delegee) having responsibility for the resolution of any EEA Financial Institution. 

“EU Bail-In Legislation Schedule” shall mean the EU Bail-In Legislation Schedule published by the Loan Market
Association (or any successor person), as in effect from time to time. 
 “Fourth Amendment” shall mean that certain
Amendment No. 4 dated as of April 27, 2016, by and among the Borrower, the other Loan Parties party thereto, the Lenders party thereto, the Issuing Banks party thereto, the Swing Line Lenders party thereto and Barclays Bank, PLC, as Administrative
Agent and Collateral Agent. 
 “Fourth Amendment Effective Date” shall have the meaning assigned to the term
“Fourth Amendment Effective Date” in Section 1.1 of the Fourth Amendment. 
 “REX Closing Date” shall have
the meaning assigned to the term “REX Closing Date” in Section 3.1(a) of the Fourth Amendment. 
 “Write-Down and
Conversion Powers” shall mean, with respect to any EEA Resolution Authority, the write-down and conversion powers of such EEA Resolution Authority from time to time under the Bail-In Legislation for the applicable EEA Member Country,
which write-down and conversion powers are described in the EU Bail-In Legislation Schedule. 

  
 10 

 SECTION 2.3 Amendment to Section 2.21(a)(iv). Section 2.21(a)(iv) of the Credit
Agreement is hereby deleted in its entirety and replaced with the following: 
 (iv) All or any part of such Defaulting Lender’s
obligation to fund participations in respect of Swing Line Loans and Letters of Credit shall be reallocated among the Revolving Credit Lenders that are Non-Defaulting Lenders in accordance with their respective Pro Rata Percentages (calculated
without regard to such Defaulting Lender’s Commitment) but only to the extent that (x) the conditions set forth in Section 4.01 are satisfied at the time of such reallocation (and, unless the Borrower shall have otherwise notified the
Administrative Agent at such time, the Borrower shall be deemed to have represented and warranted that such conditions are satisfied at such time), and (y) such reallocation does not cause the aggregate Revolving Credit Exposure of any such
Non-Defaulting Lender to exceed such Non-Defaulting Lender’s Revolving Credit Commitment. Subject to Section 9.21, no reallocation hereunder shall constitute a waiver or release of any claim of any party hereunder against a Defaulting
Lender arising from that Lender having become a Defaulting Lender, including any claim of a Non-Defaulting Lender as a result of such Non-Defaulting Lender’s increased exposure following such reallocation. 

SECTION 2.4 Amendments to Section 5.04. Section 5.04 of the Credit Agreement is hereby amended by inserting the following new
subsection (c): 
 (c) After the REX Closing Date, furnish to the Administrative Agent, which shall furnish to each Lender:

 (i) within sixty (60) days after the end of each of the first three fiscal quarters of each fiscal year of REX, an
unaudited consolidated balance sheet and income statement for such fiscal quarter and cash flow statement for such year-to-date period of REX and its Subsidiaries prepared in accordance with GAAP (subject to normal year-end audit adjustments and the
absence of footnotes to such financial statements), setting forth in each case in comparative form the figures for the corresponding periods in the previous year, all in reasonable detail; and 

(ii) within one hundred and twenty (120) days after the end of each fiscal year of REX, an audited consolidated balance sheet,
income statement and cash flow statement of REX and its Subsidiaries for such fiscal year prepared in accordance with GAAP (with footnotes to such financial statements). 

SECTION 2.5 Amendments to Section 5.12(b). The last sentence of Section 5.12(b) of the Credit Agreement is hereby deleted in its
entirety and replaced with the following sentence: 
 Notwithstanding anything to the contrary herein or in any other Loan Document, (A)
neither the Borrower nor any of its Subsidiaries shall be required to grant a Lien in the Equity Interests of any Unrestricted Subsidiary, (B) none of Pony Express HoldCo, any JV HoldCo, REX 

  
 11 

 
HoldCo or REX Holdings shall be required to grant a Lien in the Equity Interests of any Person that is not a Wholly Owned Domestic Subsidiary if the Borrower, its Restricted Subsidiaries and its
Affiliates own or control less than 100% of the issued and outstanding Equity Interests issued by such Person and (C) REX shall not be required to become a Guarantor or a Grantor or take any of the other actions required by this Section
5.12(b) or the Guarantee and Collateral Agreement so long as any of the Indebtedness (including any Permitted Refinancing Debt thereof) permitted by Section 6.01(o) is outstanding. 

SECTION 2.6 Amendment to Section 5.14. Section 5.14 of the Credit Agreement is hereby amended by inserting the following new
subsection (d): 
 (d) Notwithstanding anything to the contrary in this Section 5.14 and to the extent that REX is a Subsidiary, the Board of
Directors of the Borrower may at any time designate REX as an Unrestricted Subsidiary so long as any of the Indebtedness (including any Permitted Refinancing Debt thereof) permitted by Section 6.01(o) is outstanding. Notwithstanding
anything to the contrary in this Section 5.14, (i) REX HoldCo may not be designated an Unrestricted Subsidiary and (ii) if REX is designated as an Unrestricted Subsidiary, REX and its subsidiaries shall be disregarded for the purposes of determining
Consolidated Total Assets in connection with Section 5.14(a) above. 
 SECTION 2.7 Amendments to Section 6.01. The word
“and” is deleted from the end of Section 6.01(n), Section 6.01(o) is re-designated as Section 6.01(p) and the following is added as a new Section 6.01(o): 

(o) If REX is a Restricted Subsidiary, the $2,575,000,000 principal amount of Senior Notes of REX outstanding as of the Fourth Amendment
Effective Date (and any Permitted Refinancing Debt in respect thereof), plus up to $200,000,000 of Indebtedness of REX incurred under an unsecured, revolving credit facility with banks or other institutional lenders or investors. 

SECTION 2.8 Amendment to Section 6.04(b). Section 6.04(b) of the Credit Agreement is hereby deleted in its entirety and
replaced with the following: 
 (b) (i) investments by the Borrower and the Restricted Subsidiaries existing on the Closing Date in Equity
Interests of the Borrower and its Subsidiaries and (ii) additional investments by the Borrower and any Restricted Subsidiary in the Equity Interests of the Subsidiaries; provided that (A) any such Equity Interests held by the Borrower and any
Restricted Subsidiary shall be pledged, to the extent required, pursuant to the Guarantee and Collateral Agreement (subject to the limitations applicable to Voting Stock of a Foreign Subsidiary referred to therein), (B) the amount of any such
investment made after the Closing Date pursuant to 

  
 12 

 
this Section 6.04(b) by the Borrower and any Restricted Subsidiary in, and loans and advances made after the Closing Date by the Borrower and any other Loan Party to, any such Subsidiaries
that are not Loan Parties or do not become Loan Parties after giving effect to such investments shall not exceed an amount equal to the Available Amount at the time any such investment, loan or advance is made and (C) immediately before and after
giving effect thereto, no Default or Event of Default shall have occurred and be continuing; provided, further, that acquisitions of Equity Interests of REX and REX Holdings shall not be permitted under this subsection; 

SECTION 2.9 Amendment to Section 6.04(d). Section 6.04(d) of the Credit Agreement is hereby deleted in its entirety and
replaced with the following: 
 (d) (x) loans or advances made by the Borrower to any Restricted Subsidiary and made by any Restricted
Subsidiary to the Borrower or any other Restricted Subsidiary; provided that (i) any such loans and advances made by a Loan Party shall be evidenced by a promissory note (which may be revolving in nature) pledged to the Collateral Agent for the
benefit of the Secured Parties pursuant to the Guarantee and Collateral Agreement, (ii) such loans and advances shall be unsecured and subordinated to the Obligations pursuant to an Affiliate Subordination Agreement, (iii) the amount of such loans
and advances made after the Closing Date pursuant to this Section 6.04(d) by Loan Parties to any such Restricted Subsidiaries that are not Loan Parties shall not exceed an amount equal to the Available Amount at the time any such investment, loan or
advance is made and (iv) immediately before and after giving effect thereto, no Default or Event of Default shall have occurred and be continuing and (y) any guarantees by the Borrower and the Restricted Subsidiaries of the operating or commercial
obligations (to the extent not constituting Indebtedness) of the Borrower or any Restricted Subsidiary (other than REX) incurred in the ordinary course of business; provided, further, that acquisitions of Equity Interests of REX and
REX Holdings shall not be permitted under this subsection; 
 SECTION 2.10 Amendment to Section 6.04(n). Section 6.04(n) of
the Credit Agreement is hereby deleted in its entirety and replaced with the following: 
 (n) acquisitions by REX HoldCo of Equity Interests
in REX Holdings or in REX; provided that (i) any such acquisition that is a Drop Down Acquisition shall be a Permitted Drop Down Acquisition, (ii) the Borrower and all Affiliates of the Borrower shall after giving effect to such acquisition, own
Equity Interests representing at least 50.0% of the voting and economic rights of all issued and outstanding Equity Interests of REX, (iii) the Borrower or an Affiliate of the Borrower shall be the operator of the REX assets, (iv) the consent of the
Borrower or its Affiliates (or their representatives) is required to determine the amount and frequency of distributions made from REX to its equity holders, and (vi) immediately before and after consummating such acquisition the Borrower must be in
Financial Covenant Compliance; 

  
 13 

 SECTION 2.11 Amendment to Section 6.04(o). Section 6.04(o) of the Credit
Agreement is hereby deleted in its entirety and replaced with the following: 
 (o) in addition to investments permitted by paragraphs (a)
through (n) above, additional investments, loans and advances by the Borrower or any Restricted Subsidiary so long as (i) the amount invested, loaned or advanced pursuant to this paragraph (o) does not exceed an amount equal to the Available Amount
at the time such amount is invested loaned or advanced and (ii) both immediately before and after giving effect thereto, no Default or Event of Default shall have occurred and be continuing; provided that acquisitions of Equity Interests of
REX and REX Holdings shall not be permitted under this subsection; and 
 SECTION 2.12 Amendment to Section
6.04(p). Section 6.04(p) of the Credit Agreement is hereby deleted in its entirety and replaced with the following: 
 (p) in
addition to investments permitted by paragraphs (a) through (o) above, other investments, loans and advances by the Borrower or any Restricted Subsidiary not to exceed the greater of $15,000,000 and an amount equal to 1.50% of Consolidated Total
Assets at any time outstanding; provided that acquisitions in Equity Interests of REX and REX Holdings shall not be permitted under this subsection. 

SECTION 2.13 Amendments to Section 6.06(b). Section 6.06(b) of the Credit Agreement is hereby deleted in its entirety and
replaced with the following: 
 (b) Enter into, incur or permit to exist any agreement or other arrangement that prohibits, restricts or
imposes any condition upon (i) the ability of the Borrower or any Loan Party to create, incur or permit to exist any Lien upon any of its property or assets to secure the Obligations, or (ii) the ability of any Restricted Subsidiary to pay
dividends or other distributions with respect to any of its Equity Interests, to make or repay loans or advances to the Borrower or any other Restricted Subsidiary or to transfer property to the Borrower; provided that (A) the foregoing
shall not apply to restrictions and conditions imposed by law or by any Loan Document, (B) the foregoing shall not apply to customary restrictions and conditions contained in agreements relating to the sale of a Restricted Subsidiary pending
such sale, provided such restrictions and conditions apply only to the Restricted Subsidiary that is to be sold and such sale is permitted hereunder, (C) clause (i) of the foregoing shall not apply to the restrictions or
conditions imposed by any documentation relating to secured Indebtedness permitted by Section 6.01(a), (d), (e), (g), (i) (solely in respect of guarantees of other Indebtedness permitted under Section
6.01(a), (d), (e), (g) and (j)) and (j) in each case, to the extent limited to 

  
 14 

 
the assets subject to such Indebtedness, (D) clause (i) of the foregoing shall not apply to customary provisions in leases, licenses and other contracts restricting the
assignment thereof and (E) the foregoing shall not apply to the restrictions or conditions imposed by any documentation relating to Indebtedness (including any Permitted Refinancing Debt thereof) permitted by Section 6.01(o). 

SECTION 2.14 Amendment to Article IX. Article IX is hereby amended by inserting the following new Section 9.21: 

SECTION 9.21 Acknowledgement and Consent to Bail-In of EEA Financial Institutions. Notwithstanding anything
to the contrary in any Loan Document or in any other agreement, arrangement or understanding among any such parties, each party hereto acknowledges that any liability of any EEA Financial Institution arising under any Loan Document, to the extent
such liability is unsecured, may be subject to the write-down and conversion powers of an EEA Resolution Authority and agrees and consents to, and acknowledges and agrees to be bound by: 

(a) the application of any Write-Down and Conversion Powers by an EEA Resolution Authority to any such liabilities arising
hereunder which may be payable to it by any party hereto that is an EEA Financial Institution; and 
 (b) the effects of any
Bail-In Action on any such liability, including, if applicable: 
 (i) a reduction in full or in part or cancellation of any
such liability; 
 (ii) a conversion of all, or a portion of, such liability into shares or other instruments of ownership
in such EEA Financial Institution, its parent undertaking, or a bridge institution that may be issued to it or otherwise conferred on it, and that such shares or other instruments of ownership will be accepted by it in lieu of any rights with
respect to any such liability under this Agreement or any other Loan Document; or 
 (iii) the variation of the terms of
such liability in connection with the exercise of the write-down and conversion powers of any EEA Resolution Authority. 
 SECTION
2.15 Amendment to Exhibit I. Exhibit I to the Credit Agreement is deleted in its entirety and replaced with Exhibit I attached hereto. 

  
 15 

 ARTICLE III 

LENDERS 
 SECTION
3.1 Increase to Revolving Credit Commitments. 
 (a) On or after the Fourth Amendment Effective Date and prior to
the REX Acquisition pursuant to Section 6.04(n), the Borrower shall deliver a written notice to the Administrative Agent setting forth the proposed closing date for such acquisition (which shall not be less than three Business Days nor more
than 60 days after the date of such notice (or such other number of days as the Administrative Agent may agree to in its sole discretion)) (the “REX Closing Date”). 

(b) Subject to Section 3.4 below, on the REX Closing Date, the definitions of ”Incremental Loan
Amount” and “Total Revolving Credit Commitment” in the Credit Agreement shall automatically be deleted in their entirety and replaced with the following definition: 

“Incremental Loan Amount” shall mean $150,000,000. 

“Total Revolving Credit Commitment” shall mean, at any time, the aggregate amount of the Revolving Credit Commitments,
as in effect at such time. The Total Revolving Credit Commitment as of the REX Closing Date is $1,750,000,000. 
 (c)
Subject to Section 3.4, the Administrative Agent, the Borrower and each Lender agree on the REX Closing Date, the amounts of such Lender’s Revolving Credit Commitment shall automatically be as set forth on Schedule 2.01 annexed hereto,
on the terms and subject to the conditions set forth herein. The Administrative Agent shall promptly notify each Lender as to the REX Closing Date. 

SECTION 3.2 Reallocations. Upon the effectiveness of the increase in the Revolving Credit Commitment contemplated in
Sections 3.1(b) and (c) above, the Revolving Credit Commitment of each of the Lenders and the amount of all outstanding Revolving Loans and participations in Letters of Credit and Swing Line Loans shall be reallocated on the REX Closing
Date among the Lenders in accordance with their respective Revolving Credit Commitments, and to effect such reallocations, each Lender whose Revolving Credit Commitment on the REX Closing Date exceeds its Revolving Credit Commitment immediately
prior to the REX Closing Date (each an “Assignee Lender”) shall be deemed to have purchased all right, title and interest in, and all obligations in respect of, the Revolving Credit Commitments of the Lenders whose Revolving Credit
Commitments are less than their respective Revolving Credit Commitment immediately prior to the REX Closing Date (each an “Assignor Lender”), so that the Revolving Credit Commitments of each Lender will be as set forth on Schedule
2.01 attached hereto. Such purchases shall be deemed to have been effected by way of, and subject to the terms and conditions of, Assignment and Acceptances without the payment of any related assignment fee, and, except for replacement
Revolving Loan Notes to be provided to the Assignor Lenders and Assignee Lenders in the principal amount of their respective Revolving Credit Commitments (after giving effect to this Fourth Amendment and the REX Closing Date), no other documents or
instruments shall be, or shall be required to be, executed in connection with such assignments (all of which are hereby waived). The Assignor Lenders and Assignee Lenders shall make such cash settlements among themselves, through the
Administrative Agent, as the Administrative Agent may direct (after giving effect to any netting effected by the Administrative Agent) with respect to such reallocations and assignments. 

  
 16 

 SECTION 3.3 Interest; Breakage; Prepayments. Upon the effectiveness of the
increase of the Revolving Credit Commitments contemplated in Sections 3.1(b) and (c) above: 
 (a) The Borrower hereby agrees
that it shall pay to the Revolving Credit Lenders on the REX Closing Date accrued and unpaid interest to and including the REX Closing Date, on the outstanding amount of Revolving Loans; 

(b) Each Revolving Lender hereby waives any right to receive any payments under Section 2.15 of the Credit Agreement as a
result of the payment of any existing Revolving Loans pursuant to this Amendment; and 
 (c) It is understood and agreed that
the Borrower, in coordination with the Administrative Agent, may elect on or prior to the REX Closing Date that after giving effect to the reallocations provided for in Section 3.2, the existing Eurodollar Loans outstanding on the REX Closing Date
shall continue to remain outstanding in the same aggregate dollar amount and with the same ending date for each Interest Period. 
 SECTION
3.4 Conditions to Effectiveness. The increase in the Revolving Credit Commitments contemplated by this Article III is subject to the satisfaction of the following conditions: 

(a) the effectiveness of this Fourth Amendment in accordance with Article IV below; 

(b) the rights, title and interest of Rockies Express Holdings, LLC under the REX MPA shall have been assigned to a REX HoldCo
pursuant to assignment documentation approved by the Conflicts Committee pursuant to the terms of the LP Agreement; 
 (c)
the REX Acquisition shall have been (or, contemporaneously with the increase of the Revolving Credit Commitments, will be) consummated on the REX Closing Date in accordance with the REX MPA (as assigned to a REX HoldCo pursuant to clause (b)
above); 
 (d) the conditions set forth in Sections 4.01(b) and 4.01(c) of the Credit Agreement shall be satisfied and the
Administrative Agent shall have received a certificate to that effect executed by a Financial Officer of the Borrower; 
 (e)
immediately before and after giving effect to the REX Acquisition, the Borrower is in Financial Covenant Compliance and the Administrative Agent shall have received a certificate to that effect executed by a Financial Officer of the Borrower; 

(f) the Arrangers shall have received, on behalf of the Administrative Agent, the Collateral Agent and the Lenders, the
favorable written opinion of Stinson Leonard Street LLP, counsel for the Borrower, in form and substance satisfactory to the Arrangers, (A) dated the REX Closing Date, (B) addressed to the Administrative Agent, the Collateral Agent and the Lenders,
and (C) covering such matters relating to this Fourth Amendment and the transactions contemplated hereby as the Arrangers shall 

  
 17 

 
reasonably request (including a no conflicts opinions as to any material debt documents to which REX is a party), and the Borrower hereby requests such counsel to deliver such opinions; 

(g) the Borrower shall have paid all accrued and unpaid interest on the aggregate principal amount of the Revolving Loans and
all amounts due under Section 3.3; 
 (h) the Administrative Agent, the Arrangers and each applicable Lender shall have
received reimbursement or payment by the Borrower of all fees and expenses incurred in connection with this Fourth Amendment or owed in respect of such increased Revolving Credit Commitments (including any fees due and payable pursuant to the
Engagement Letter); and 
 (i) the REX Closing Date shall have occurred on or before July 1, 2016. 

ARTICLE IV 
 CONDITIONS TO
EFFECTIVENESS 
 The effectiveness of this Fourth Amendment (including the amendments contained in Article II but excluding the transactions
contemplated in Article III which, for avoidance of doubt, shall only be effective upon the satisfaction of the conditions contemplated in Section 3.4 above) are subject to the satisfaction (or waiver) of the following conditions: 

SECTION 4.1 This Fourth Amendment shall have been duly executed by the Borrower, the Administrative Agent, the Collateral Agent, the
Swing Line Lenders, the Lenders, the Issuing Banks and the other Loan Parties, and delivered to the Arrangers; 
 SECTION 4.2 The
Arrangers shall have received with respect to the Borrower and each other Loan Party (i) certificates of good standing as of a recent date issued by the appropriate Governmental Authority of the state or jurisdiction of its incorporation or
organization, where applicable; (ii) a certificate of the Secretary or Assistant Secretary of each Loan Party dated the Fourth Amendment Effective Date and certifying (A) that attached thereto is a true and complete copy of the Organizational
Documents of such Loan Party or that there have been no changes to the Organizational Documents of such Loan Party from those most recently delivered to the Administrative Agent in connection with the Credit Agreement and that such documents remain
in full force and effect, (B) that attached thereto is a true and complete copy of resolutions duly adopted by the board of directors or other governing body of such Loan Party (and, if applicable, any parent company of such Loan Party) authorizing
the execution, delivery and performance of this Fourth Amendment and any related Loan Documents and the increase in the Revolving Credit Commitments contemplated hereby, and that such resolutions have not been modified, rescinded or amended and are
in full force and effect, and (C) as to the incumbency and specimen signature of each officer executing any Loan Document or any other document delivered in connection herewith on behalf of such Loan Party; and (iii) a certificate of another officer
as to the incumbency and specimen signature of the Secretary or Assistant Secretary executing the certificate pursuant to clause (ii) above; 

  
 18 

 SECTION 4.3 No Default or Event of Default has occurred and is continuing under the Credit
Agreement both before and immediately after giving effect to the transactions contemplated hereby; 
 SECTION 4.4 The representations
and warranties of the Borrower set forth in Article V of this Fourth Amendment are true and correct; 
 SECTION 4.5 The Borrower shall
have delivered to the Collateral Agent a control agreement in form and substance reasonably satisfactory to the Collateral Agent for each deposit account and securities account required to be subject to such a control agreement as set forth in
Section 5.2 of the Guarantee and Collateral Agreement. 
 ARTICLE V 

REPRESENTATIONS AND WARRANTIES 

To induce the other parties hereto to enter into this Fourth Amendment, the Borrower represents and warrants to each of the Lenders, each
Issuing Bank, the Arrangers and the Administrative Agent that, as of the Fourth Amendment Effective Date and after giving effect to the transactions and amendments to occur on the Fourth Amendment Effective Date: 

(a) This Fourth Amendment has been duly authorized, executed and delivered by each of the Loan Parties party hereto and
constitutes, and the Credit Agreement (after giving effect to this Fourth Amendment, will (as to the Borrower) constitute, its legal, valid and binding obligation, enforceable against each of the Loan Parties party hereto or thereto in accordance
with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization, fraudulent conveyance or transfer, moratorium or similar laws affecting creditors’ rights generally, and subject to general principles of
equity, regardless of whether considered in a proceeding in equity or at law; 
 (b) The representations and warranties of
the Borrower set forth in the Credit Agreement and the other Loan Documents are true and correct on and as of the Fourth Amendment Effective Date (after giving effect to this Fourth Amendment), except to the extent that such representations and
warranties specifically refer to an earlier date, in which case they shall be true and correct as of such earlier date; 

(c) After giving effect to this Fourth Amendment and the transactions contemplated hereby, no Default or Event of Default has
occurred and is continuing on the Fourth Amendment Effective Date; and 
 (d) Immediately prior to and immediately after the
consummation of the transactions contemplated under this Fourth Amendment on the Fourth Amendment Effective Date, after taking into account all applicable rights of indemnity and contribution, the Borrower and its subsidiaries on a consolidated
basis, are Solvent. 

  
 19 

 ARTICLE VI 

EFFECTS ON LOAN DOCUMENTS 

Except as specifically amended herein, all Loan Documents shall continue to be in full force and effect and are hereby in all respects
ratified and confirmed. The execution, delivery and effectiveness of this Fourth Amendment shall not operate as a waiver of any right, power or remedy of any Lender or the Administrative Agent under any of the Loan Documents, nor constitute a
waiver of any provision of the Loan Documents or in any way limit, impair or otherwise affect the rights and remedies of the Lenders or the Administrative Agent under the Loan Documents. The Borrower and the other Loan Parties acknowledge and
agree that, on and after the Fourth Amendment Effective Date, this Fourth Amendment and each of the other Loan Documents to be executed and delivered by a Loan Party in connection herewith shall constitute a Loan Document for all purposes of the
Credit Agreement. On and after the Fourth Amendment Effective Date, each reference in the Credit Agreement to “this Agreement”, “hereunder”, “hereof”, “herein” or words of like import referring to the
Credit Agreement, and each reference in the other Loan Documents to “Credit Agreement”, “thereunder”, “thereof” or words of like import referring to the Credit Agreement shall mean and be a reference to the Credit
Agreement as amended by this Fourth Amendment, and this Fourth Amendment and the Credit Agreement shall be read together and construed as a single instrument. Nothing herein shall be deemed to entitle the Borrower to a further consent to, or a
further waiver, amendment, modification or other change of, any of the terms, conditions, obligations, covenants or agreements contained in the Credit Agreement or any other Loan Document in similar or different circumstances.

ARTICLE VII 
 MISCELLANEOUS 

SECTION 7.1 Expenses. The Borrower agrees to pay all reasonable out-of-pocket costs and expenses incurred by the Arrangers in
connection with this Fourth Amendment and any other documents prepared in connection herewith, in each case to the extent required by Section 9.05 of the Credit Agreement. The Borrower hereby confirms that the indemnification provisions set
forth in Section 9.05 of the Credit Agreement shall apply to this Fourth Amendment and such losses, claims, damages, liabilities, costs and expenses (as more fully set forth therein as applicable) which may arise herefrom or in connection herewith.

 SECTION 7.2 Amendments; Execution in Counterparts; Severability. 

(a) This Fourth Amendment may not be amended nor may any provision hereof be waived except in accordance with the terms of
Section 9.08 of the Credit Agreement; and 
 (b) In the event any one or more of the provisions contained in this Fourth
Amendment should be held invalid, illegal or unenforceable in any respect, the validity, legality and enforceability of the remaining provisions contained herein and therein shall not in any way be affected or impaired thereby (it being understood
that the invalidity of a particular provision in a particular jurisdiction shall not in and of itself affect the 

  
 20 

 
validity of such provision in any other jurisdiction). The parties shall endeavor in good-faith negotiations to replace the invalid, illegal or unenforceable provisions with valid provisions
the economic effect of which comes as close as possible to that of the invalid, illegal or unenforceable provisions. 
 SECTION
7.3 Reaffirmation; Mortgage Modification Requirements. 
 (a) Each of the Loan Parties party to the Guarantee and
Collateral Agreement and the other Loan Documents, in each case as amended, supplemented or otherwise modified from time to time, hereby (i) acknowledges and agrees that all of its obligations under the Guarantee and Collateral Agreement and the
other Loan Documents to which it is a party are reaffirmed and remain in full force and effect on a continuous basis, (ii) reaffirms (A) each Lien granted by it to the Collateral Agent for the benefit of the Secured Parties and (B) the guaranties
made by it pursuant to the Guarantee and Collateral Agreement, (iii) acknowledges and agrees that the grants of security interests by and the guaranties of the Loan Parties contained in the Guarantee and Collateral Agreement and the Mortgages are,
and shall remain, in full force and effect after giving effect to the Fourth Amendment, and (iv) agrees that the Obligations include, among other things and without limitation, the prompt and complete payment and performance by the Borrower when due
and payable (whether at the stated maturity, by acceleration or otherwise) of principal and interest on the Loans under the Credit Agreement. 

(b) Within 90 days of the REX Closing Date (or such longer period of time acceptable to the Administrative Agent), the Borrower
shall satisfy the Mortgage Modification Requirements. 
 SECTION 7.4 Governing Law; Waiver of Jury Trial; Jurisdiction. THIS
FOURTH AMENDMENT SHALL BE CONSTRUED IN ACCORDANCE WITH AND GOVERNED BY THE LAW OF THE STATE OF NEW YORK. EACH PARTY HERETO HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY RIGHT TO TRIAL BY JURY IN ANY LEGAL ACTION OR PROCEEDING RELATING TO
THIS FOURTH AMENDMENT, THE CREDIT AGREEMENT OR ANY OTHER LOAN DOCUMENT AND FOR ANY COUNTERCLAIM THEREIN. The provisions of Section 9.15 of the Credit Agreement are incorporated herein by reference. 

SECTION 7.5 Headings. Section headings in this Fourth Amendment are included herein for convenience of reference only, are
not part of this Fourth Amendment and are not to affect the construction of, or to be taken into consideration in interpreting, this Fourth Amendment. 

SECTION 7.6 Counterparts. This Fourth Amendment may be executed by one or more of the parties hereto on any number of
separate counterparts, and all of said counterparts taken together shall be deemed to constitute one and the same instrument. Signatures delivered by facsimile or PDF or other electronic means shall have the same force and effect as manual
signatures delivered in person. 
 [Remainder of page intentionally left blank.] 

  
 21 

 IN WITNESS WHEREOF, the parties hereto have caused this Fourth Amendment to be duly executed and
delivered by their respective proper and duly authorized officers as of the day and year first above written. 
  

			
	TALLGRASS ENERGY PARTNERS, LP, as Borrower
	
	By: TALLGRASS MLP GP, LLC, its general partner
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	President and Chief Executive Officer
	
	TALLGRASS MLP OPERATIONS, LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	President and Chief Executive Officer
	
	TALLGRASS INTERSTATE GAS TRANSMISSION, LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	Chief Executive Officer
	
	TALLGRASS MIDSTREAM, LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	Chief Executive Officer

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	TRAILBLAZER PIPELINE COMPANY LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	Chief Executive Officer
	
	TALLGRASS ENERGY INVESTMENTS, LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	Chief Executive Officer
	
	TALLGRASS PXP HOLDINGS, LLC, as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	Chief Executive Officer
	
	TALLGRASS ENERGY FINANCE CORP., as Grantor
		
	By:	 	 /s/ David G. Dehaemers, Jr.

	Name:	 	David G. Dehaemers, Jr.
	Title:	 	President and Chief Executive Officer

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	BARCLAYS BANK PLC
	as Administrative Agent, Collateral Agent, a Lender, a Swing Line Lender and an Issuing Bank
		
	By:	 	 /s/ Vanessa A. Kurbatskiy

	Name:	 	Vanessa A. Kurbatskiy
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	WELLS FARGO BANK, N.A.
	as a Lender, a Swing Line Lender and an Issuing Bank
		
	By:	 	 /s/ Alan W. Wray

	Name:	 	Alan W. Wray
	Title:	 	Managing Director

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	BANK OF AMERICA, N.A.
	as a Lender
		
	By:	 	 /s/ Kimberly Miller

	Name:	 	Kimberly Miller
	Title:	 	Assistant Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	CITIBANK, N.A.
	as a Lender
		
	By:	 	 /s/ Todd Mogil

	Name:	 	Todd Mogil
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	DEUTSCHE BANK AG NEW YORK BRANCH
	as a Lender
		
	By:	 	 /s/ Dusan Lazarov

	Name:	 	Dusan Lazarov
	Title:	 	Director
		
	By:	 	 /s/ Michael Shannon

	Name:	 	Michael Shannon
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	GOLDMAN SACHS BANK USA
	as a Lender
		
	By:	 	 /s/ Ryan Durkin

	Name:	 	Ryan Durkin
	Title:	 	Authorized Signatory

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	ROYAL BANK OF CANADA
	as a Lender
		
	By:	 	 /s/ Jason S. York

	Name:	 	Jason S. York
	Title:	 	Authorized Signatory

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	CREDIT SUISSE AG, CAYMAN ISLANDS BRANCH
	as a Lender
		
	By:	 	 /s/ Nupur Kumar

	Name:	 	Nupur Kumar
	Title:	 	Authorized Signatory
		
	By:	 	 /s/ Lorenz Meier

	Name:	 	Lorenz Meier
	Title:	 	Authorized Signatory

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	MORGAN STANLEY BANK, N.A.
	as a Lender
		
	By:	 	 /s/ Michael King

	Name:	 	Michael King
	Title:	 	Authorized Signatory

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	COMPASS BANK
	as a Lender
		
	By:	 	 /s/ Mark H. Wolf

	Name:	 	Mark H. Wolf
	Title:	 	Senior Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	TORONTO DOMINION (TEXAS) LLC
	as a Lender
		
	By:	 	 /s/ Lexanne Cooper

	Name:	 	Lexanne Cooper
	Title:	 	Authorized Signatory

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	CAPITAL ONE, NATIONAL ASSOCIATION
	as a Lender
		
	By:	 	 /s/ Matthew L. Molero

	Name:	 	Matthew L. Molero
	Title:	 	Sr. Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	REGIONS BANK
	as a Lender
		
	By:	 	 /s/ David Valentine

	Name:	 	David Valentine
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	PNC BANK, NATIONAL ASSOCIATION
	as a Lender
		
	By:	 	 /s/ Jonathan Luchansky

	Name:	 	Jonathan Luchansky
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	U.S. BANK NATIONAL ASSOCIATION
	as a Lender
		
	By:	 	 /s/ Todd S. Anderson

	Name:	 	Todd S. Anderson
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	THE BANK OF TOKYO MITSUBISHI-UFJ, LTD.
	as a Lender
		
	By:	 	 /s/ Mark Oberreuter

	Name:	 	Mark Oberreuter
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	BNP PARIBAS
	as a Lender
		
	By:	 	 /s/ Vincent Trapet

	Name:	 	Vincent TRAPET
	Title:	 	Director
		
	By:	 	 /s/ Sriram Chandrasekaran

	Name:	 	Sriram Chandrasekaran
	Title:	 	Director

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	THE BANK OF NOVA SCOTIA
	as a Lender
		
	By:	 	 /s/ Mark Sparrow

	Name:	 	Mark Sparrow
	Title:	 	Director

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	ING CAPITAL LLC
	as a Lender
		
	By:	 	 /s/ Cheryl LaBelle

	Name:	 	Cheryl LaBelle
	Title:	 	Managing Director
		
	By:	 	 /s/ Hans Beekmans

	Name:	 	Hans Beekmans
	Title:	 	Director

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	CITIZENS BANK, N.A.
	as a Lender
		
	By:	 	 /s/ Scott Donaldson

	Name:	 	Scott Donaldson
	Title:	 	Senior Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	SANTANDER BANK, N.A.
	as a Lender
		
	By:	 	 /s/ Aidan Lanigan

	Name:	 	Aidan Lanigan
	Title:	 	Senior Vice President
		
	By:	 	 /s/ Puiki Lok

	Name:	 	Puiki Lok
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	CADENCE BANK, N.A.
	as a Lender
		
	By:	 	 /s/ David Anderson

	Name:	 	David Anderson
	Title:	 	Senior Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	UMB BANK, N.A.
	as a Lender
		
	By:	 	 /s/ Jess M. Adams

	Name:	 	Jess M. Adams
	Title:	 	Vice President

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 
			
	ZB, N.A. DBA AMEGY BANK
	as a Lender
		
	By:	 	 /s/ Jill McSorley

	Name:	 	Jill McSorley
	Title:	 	Senior Vice President - Amegy Bank Division

  
 [Signature Page to
Tallgrass Energy Partners, LP Credit Agreement – Amendment No. 4] 

 SCHEDULE 2.01 

REVOLVING CREDIT COMMITMENTS 

AND 
 COMMITTED INCREASE
COMMITMENTS* 
  

					
	 Name of Lender
	  	Revolving Credit Commitments	 
	 Wells Fargo Bank, N.A.
	  	$	96,000,000	  
	 Barclays Bank PLC
	  	$	96,000,000	  
	 Bank of America, N.A.
	  	$	86,000,000	  
	 Citibank, N.A.
	  	$	86,000,000	  
	 Deutsche Bank AG New York Branch
	  	$	86,000,000	  
	 Goldman Sachs Bank USA
	  	$	86,000,000	  
	 Royal Bank of Canada
	  	$	86,000,000	  
	 Credit Suisse AG, Cayman Islands Branch
	  	$	86,000,000	  
	 Morgan Stanley Bank, N.A.
	  	$	86,000,000	  
	 Compass Bank
	  	$	70,000,000	  
	 Toronto Dominion (Texas) LLC
	  	$	65,000,000	  
	 Capital One, National Association
	  	$	86,000,000	  
	 Regions Bank
	  	$	55,000,000	  
	 PNC Bank, National Association
	  	$	65,000,000	  
	 U.S. Bank National Association
	  	$	65,000,000	  
	 The Bank of Tokyo Mitsubishi-UFJ, Ltd.
	  	$	65,000,000	  
	 BNP Paribas
	  	$	65,000,000	  
	 The Bank of Nova Scotia
	  	$	65,000,000	  
	 ING Capital LLC
	  	$	65,000,000	  
	 Citizens Bank, N.A.
	  	$	50,000,000	  
	 ABN AMRO Capital USA LLC
	  	$	45,000,000	  
	 Santander Bank, N.A.
	  	$	45,000,000	  
	 Cadence Bank, N.A.
	  	$	35,000,000	  
	 UMB Bank, N.A.
	  	$	40,000,000	  
	 ZB, N.A. dba Amegy Bank
	  	$	40,000,000	  
	 Branch Banking and Trust Company
	  	$	35,000,000	  
		  	  
	  
	 
	 Total:
	  	$	1,750,000,000	  
		  	  
	  
	 

  

	*	All Committed Increase Commitments have been exercised and are now reflected in the Revolving Credit Commitments for each Lender. 

 EXHIBIT I 

[See attached.] 

 Exhibit I 

to Credit 
 Agreement 

FORM OF COMPLIANCE CERTIFICATE 

[DATE] 
 Pursuant to Section
5.04(a)(iii) of that certain Credit Agreement, dated as of May 17, 2013 (as amended, restated, amended and restated, replaced, supplemented or otherwise modified from time to time, the “Credit Agreement”; capitalized
terms used herein and not otherwise defined herein shall have the meanings assigned to such terms in the Credit Agreement), among TALLGRASS ENERGY PARTNERS, LP, a Master Limited Partnership formed under the laws of Delaware (the
“Borrower), the Lenders party thereto from time to time and BARCLAYS BANK PLC, as administrative agent for the Lenders (in such capacity, including any successor thereto in such capacity, the “Administrative
Agent”), the undersigned hereby certifies that he or she is the [Chairman of the Board][Chief Financial Officer][Principal Accounting Officer][Treasurer][Controller] of the Borrower, and certifies in such capacity, and not in his or her
individual capacity, as follows: 
 1. No Event of Default or Default has occurred and is continuing at the end of the accounting period
covered by the attached financial statements, except as set forth in a separate attachment, if any, to this compliance certificate (this “Certificate”), specifying the nature and extent thereof and the corrective action taken
or proposed to be taken with respect thereto by the Borrower; 
 2. The financial statements currently available on the website of the
Securities Exchange Commission at http://www.sec.gov in accordance with Sections 5.04(a)(i) or 5.04(a)(ii), as applicable, of the Credit Agreement have been prepared in accordance with GAAP consistently applied (subject in the
case of the interim statements to normal year-end adjustments and the absence of footnotes) and present fairly and accurately the financial condition and results of operations of the Borrower and its consolidated Subsidiaries on a consolidated basis
in all material respects as of the dates and for the periods to which they relate; and 
 3. Annexes A and B hereto demonstrate compliance
with each of the financial covenants contained in Sections 6.10 and 6.11 of the Credit Agreement. 
 4. Annex C hereto
demonstrates the Available Amount (including the calculations thereof) as of the end of the accounting period covered by the attached financial statements. 

IN WITNESS WHEREOF, the Borrower has caused this Certificate to be executed by one of its Financial Officers as of the date and year first
above written. 

  
 I-1 

 
			
	TALLGRASS ENERGY PARTNERS, LP
	By:	 	Tallgrass MLP GP, LLC, its general partner
		
	By:	 	  

	Name:	 	
	Title:	 	[Chairman of the Board][Chief Financial Officer][Principal Accounting Officer] [Treasurer][Controller]

 Annex 

A to Compliance 
 Certificate 

  
 I-2 

 Covenant 6.10 

Interest Coverage Ratio 

FOR THE FISCAL QUARTER ENDING [            ], 20[    ]

  

					
	 Consolidated EBITDA (as calculated on Supplement A) for the Applicable Period:
	  	$	            	  
		  	  
	  
	 
		
	 Consolidated Interest Expense (as calculated below) for the Applicable Period:
	  	$	            	  
		  	  
	  
	 
		
	 Interest Coverage Ratio (Consolidated EBITDA to Consolidated Interest Expense) for the Applicable
Period:
	  	 	        : 1.00	  
		
	 Minimum Interest Coverage Ratio for the Applicable Period:
	  	 	2.50 : 1.00	  
		
	 In Compliance:
	  	 	Yes/No	  

  
 I-3 

 Calculation of Consolidated Interest Expense 

Without duplication, for the Applicable Period: 
  

					
	 (a) the interest expense (including imputed interest expense in respect of Capital Lease
Obligations and Synthetic Lease Obligations) of the Borrower and the Restricted Subsidiaries for such period, determined on a consolidated basis in accordance with GAAP;
	  	$	            	  
		  	  
	  
	 
		
	 (b) any interest accrued during such period in respect of Indebtedness of the Borrower or any
Restricted Subsidiary that is required to be capitalized rather than included in consolidated interest expense for such period in accordance with GAAP. For purposes of the foregoing, interest expense shall be determined after giving effect to any
net payments made or received by the Borrower or any Restricted Subsidiary with respect to interest rate Hedging Agreements:
	  	$	 	  
		  	  
	  
	 
		
	 Consolidated Interest Expense (the sum of clauses (a) and (b)):1
	  	$	 	  
		  	  
	  
	 

  

	1 	If REX is a Restricted Subsidiary, “Consolidated Interest Expense” attributable to REX shall only include the interest expense of REX multiplied by the percentage of the Equity Interests of REX directly or
indirectly owned by the Borrower and its Wholly-Owned Restricted Subsidiaries. 

  
 I-4 

					
		  		  	 Annex B to Compliance
 Certificate

 Covenant 6.11 

Maximum Total Leverage Ratio 

FOR THE FISCAL QUARTER ENDING [            ],
20[    ] 
  

					
	 Total Debt (as calculated below) as of the last day of the Applicable Period:
	  	$	            	  
		  	  
	  
	 
		
	 Consolidated EBITDA (as calculated on Supplement A) for the Applicable Period:
	  	$	 	  
		  	  
	  
	 
		
	 Total Leverage Ratio (Total Debt to Consolidated EBITDA):
	  	 	        : 1.00	  
		
	 Maximum Total Leverage Ratio for the Applicable Period:
	  	 	[4.75][5.25] : 1.00	  
		
	 In Compliance:
	  	 	Yes/No	  

 Calculation of Total Debt 
  

					
	 (a) total Indebtedness (excluding Indebtedness of the type described in clause (h), clause (i),
clause (j) and clause (k) of the definition of Indebtedness in the Credit Agreement, except, in the case of clause (k), to the extent of any unreimbursed drawings thereunder) of the Borrower and the Restricted Subsidiaries at such time:
	  	$	            	  
		  	  
	  
	 
		
	 (b) Unrestricted Cash (the sum of the amount of cash and Permitted Investments of the Borrower and
each Restricted Subsidiary that is a Domestic Subsidiary, as set forth on the balance sheet of the Borrower and its Restricted Subsidiaries (it being understood that such amount shall exclude in any event (i) any cash or Permitted Investments
identified on such balance sheet as “restricted” (other than cash or Permitted Investments restricted in favor of the Secured Parties), (ii) any amount to the extent any use thereof for application to the payment of Indebtedness under the
Loan Documents is restricted or prohibited by Law or contract and (iii) any cash or Permitted Investments that are not subject to a perfected security interest in favor of the Collateral Agent for the benefit of the Secured Parties (which cash will
be deemed to be subject to such a security interest if it is deposited in a deposit account or securities account in which the Collateral Agent for the benefit of the Secured Parties has a perfected security interest):2
	  	$	 	  
		  	  
	  
	 
		
	 Total Debt (clause (a) minus clause (b): 3
	  	$	 	  
		  	  
	  
	 

  
  

	2 	The deduction for Unrestricted Cash on any date shall not exceed $7,500,000. 

	3 	If REX is a Restricted Subsidiary, Total Debt attributable to REX shall only include the Indebtedness of REX multiplied by the percentage of the Equity Interests of REX directly or indirectly owned by the Borrower and
its Wholly-Owned Restricted Subsidiaries. 

  
 I-5 

 Supplement 

A to Compliance 
 Certificate 

Consolidated EBITDA 

FOR THE FISCAL QUARTER ENDING [            ], 20[    ]

 Calculation of Consolidated Net Income 
  

					
	 (a) Net income for the Applicable Period:
	  	$	            	  
		  	  
	  
	 
		
	 (b) extraordinary gains, losses, charges or expenses for such Applicable Period:
	  	$	 	  
		  	  
	  
	 
		
	 (c) the net income of any Restricted Subsidiary during such Applicable Period to the extent that
the declaration or payment of dividends or similar distributions by such Restricted Subsidiary of such income is not permitted on such Date of Determination by operation of the terms of its Organizational Documents or any agreement, instrument or
law applicable to such Restricted Subsidiary, except that the Borrower’s equity in any net loss of any such Restricted Subsidiary for such Applicable Period shall be included in determining Consolidated Net Income:
	  	$	 	  
		  	  
	  
	 
		
	 (d) any income (or loss) for such Applicable Period of any Person if such Person is not a
Restricted Subsidiary of the Borrower, except that the aggregate amount distributed by such Person during such Applicable Period to the Borrower or a Restricted Subsidiary of the Borrower as a cash dividend or other cash distribution (as long as, in
the case of a cash dividend or other cash distribution to a Restricted Subsidiary of the Borrower, such Restricted Subsidiary is not precluded from further distributing such amount to the Borrower as described in clause (c) above) shall be included
in Consolidated Net Income (but only to the extent such cash dividends or distributions do not exceed the Borrower’s proportional share in the EBITDA (less Consolidated Interest Expense) of such Person (calculated based on Borrower’s and
any Restricted Subsidiary’s aggregate percentage ownership of the total outstanding Equity Interests of such Person and with EBITDA and Consolidated Interest Expense of such Person being calculated using the same methodology for Consolidated
EBITDA and Consolidated Interest Expense, as applicable, as if such Person were a Restricted Subsidiary under the Credit Agreement)):
	  	$	 	  
		  	  
	  
	 

  
 I-6 

					
	 (e) non-cash gains and losses attributable to movement in the mark-to-market valuation of Hedging
Agreements pursuant to ASC-815:
	  	$	            	  
		  	  
	  
	 
		
	 (f) the cumulative effect of a change in accounting principles:
	  	$	 	  
		  	  
	  
	 
		
	 (g) any charges or expenses relating to severance, relocation and one-time compensation
charges:
	  	$	 	  
		  	  
	  
	 
		
	 (h) gain or loss realized upon the sale or other disposition of assets:
	  	$	 	  
		  	  
	  
	 
		
	 (i) deferred financing costs written off and premiums paid in connection with any early
extinguishment of Indebtedness or any Hedging Agreement:
	  	$	 	  
		  	  
	  
	 
		
	 (j) non-cash charges, expenses or other impacts of purchase or recapitalization accounting,
including, to the extent applicable, any accruals and reserves established under purchase or recapitalization accounting as a result of the Transactions in accordance with GAAP:
	  	$	 	  
		  	  
	  
	 
		
	 (k) non-cash impairment charges or asset write-offs, and any amortization of intangibles:
	  	$	 	  
		  	  
	  
	 
		
	 (l) cash charges or costs in connection with any investment, sale or other disposition of assets,
issuance of Equity Interests or Indebtedness, or amendment relating to any Indebtedness (in each case, whether or not completed):
	  	$	 	  
		  	  
	  
	 
		
	 (m) to the extent covered by insurance and actually reimbursed, any expenses with respect to
liability or casualty events or business interruption:
	  	$	 	  
		  	  
	  
	 
		
	 (n) in the case of any Restricted Subsidiary, the net income of such Restricted Subsidiary
attributable to any minority or other membership interest in such Restricted Subsidiary held directly or indirectly by a Person other than the Borrower and its Wholly-Owned Restricted Subsidiaries:
	  	$	 	  
		  	  
	  
	 
		
	 Consolidated Net Income for the Applicable Period (clause (a) minus,
without duplication, the sum of clauses (b) through (n)): 4
	  	$	 	  
		  	  
	  
	 

  

	4 	CNI to be adjusted to account for any adjustments set forth in the second, third and fourth paragraphs of the definition of Consolidated Net Income in the Credit Agreement. 

  
 I-7 

 Calculation of Consolidated EBITDA 

 

					
	 (a) Consolidated Net Income for the Applicable Period:
	  	$	            	  
		  	  
	  
	 
		
	 (b) the provision for all Taxes (whether or not paid, estimated or accrued) based on income,
profits or capital (including penalties and interest, if any), net of any applicable credits for such period:
	  	$	 	  
		  	  
	  
	 
		
	 (c) Consolidated Interest Expense for such period:
	  	$	 	  
		  	  
	  
	 
		
	 (d) depreciation, amortization and all other non-cash charges or non-cash losses for such
period:
	  	$	 	  
		  	  
	  
	 
		
	 (e) any costs or expenses pursuant to any equity-related benefit plan, or any stock subscription
or shareholder agreement, to the extent funded with cash proceeds contributed to the capital of the Borrower as common equity:
	  	$	 	  
		  	  
	  
	 
		
	 (f) for any Material Projects commenced or acquired by the Borrower or any Restricted Subsidiary
with a Commencement Date occurring on or prior to the Date of Determination, Consolidated EBITDA Material Project Adjustments for such Material Project for such period: 5
	  	$	 	  
		  	  
	  
	 
		
	 (g) without duplication of the netting provided in clause (b) above, Federal, state, local and
foreign income tax credits of the Borrower and its Subsidiaries for such period:
	  	$	 	  
		  	  
	  
	 
		
	 (h) all cash payments made during such period on account of reserves, restructuring charges, and
other non-cash charges added to Consolidated Net Income pursuant to clause (d) above:
	  	$	 	  
		  	  
	  
	 
		
	 (i) other income of the Borrower and the Restricted Subsidiaries increasing Consolidated Net
Income for such period which does not represent a cash item in such period:
	  	$	 	  
		  	  
	  
	 
		
	 Consolidated EBITDA (clause (a) plus, without duplication, the sum of
clauses (b) through (f) and minus, without duplication and to the extent included in calculated Consolidated Net Income, the sum of clauses (g) through (i)): 6 7 8
	  	$	 	  
		  	  
	  
	 

  

	5 	The aggregate amount of adjustments included in clause (f) for any period (1) in respect of all Material Projects taken together (other than the Pony Express Material Project) shall not exceed 15% of pro forma
Consolidated EBITDA (calculated without giving effect to clause (f)), and (2) in respect of the Pony Express Material Project shall not exceed the Pony Express Adjustment Limit. 

	6 	If REX is a Restricted Subsidiary, the amount of any adjustment pursuant to clauses (b) through (i) attributable to REX shall be equal to the total amount of such item multiplied by the percentage of the Equity
Interests of REX directly or indirectly owned by the Borrower and its Wholly-Owned Restricted Subsidiaries. 

	7 	For purposes of calculating the Total Leverage Ratio and Interest Coverage Ratio for any period (A) the Consolidated EBITDA of any Person that becomes a Restricted Subsidiary acquired by the Borrower or any Restricted
Subsidiary pursuant to either a Permitted Acquisition for Acquisition Consideration greater than $10,000,000 or an investment made pursuant to Section 6.04(k), (l) (but only beginning at the end of the third full fiscal quarter
after the Commercial Operation Date of the Pony Express Material Project; it being understood that prior to such date the Consolidated EBITDA Material Project Adjustment for Pony Express shall be included in the Borrower’s Consolidated EBITDA),
(n), (o) or (p) of the Credit Agreement greater than $10,000,000 during such period shall be included on a pro forma basis for such period (assuming the consummation of such acquisition and the incurrence or assumption of any
Indebtedness in connection therewith occurred as of the first day of such period) and (B) the Consolidated EBITDA of any Person or line of business sold or otherwise disposed of for consideration greater than $10,000,000 by the Borrower or any
Restricted Subsidiary during such period shall be excluded for such period (assuming the consummation of such sale or other disposition and the repayment of any Indebtedness in connection therewith occurred as of the first day of such period).

	8 	If REX is a Restricted Subsidiary, the Consolidated EBITDA attributable to REX shall not exceed the Consolidated EBITDA of the Borrower and its Restricted Subsidiaries (other than Consolidated EBITDA attributable to
REX). If REX is not a Restricted Subsidiary, cash dividends or distributions received from REX during any Applicable Period shall only be included in Consolidated EBITDA if, as of the applicable Date of Determination, (x) the Borrower and Affiliates
of the Borrower own Equity Interests representing greater than 50.0% of the voting and economic rights of all issued and outstanding Equity Interests of REX, (y) the Borrower or an Affiliate of the Borrower is the operator of the REX assets and (z)
the consent of the Borrower or its Affiliates (or their representatives) is required to determine the amount and frequency of distributions made from REX to its equity holders. 

  
 I-8 

 Annex 

C to Compliance 
 Certificate 

Available Amount 
 AS OF
THE END OF THE FISCAL QUARTER ENDING [            ], 20[    ] 
  

					
	 (a) Net cash proceeds received after the Closing Date and on or prior to the date above from any
sale of Equity Interests by, or capital contribution to, the Borrower (which, in the case of any such sale of Equity Interests, are not Disqualified Stock):
	  	$	            	  
		  	  
	  
	 
		
	 (b) Return of capital or repayment of principal received in cash by the Borrower in respect of
investments made pursuant to Sections 6.04(b)(ii)(B), 6.04(d)(x)(iii) and 6.04(o) of the Credit Agreement:
	  	$	 	  
		  	  
	  
	 
		
	 (c) Available Amount used to make investments pursuant to Section 6.04(b)(ii)(B) of the Credit
Agreement:
	  	$	 	  
		  	  
	  
	 
		
	 (d) Available Amount used to make investments pursuant to Section 6.04(d)(x)(iii) of the Credit
Agreement:
	  	$	 	  
		  	  
	  
	 
		
	 (e) Available Amount used to make investments pursuant to Section 6.04(o) of the Credit
Agreement:
	  	$	 	  
		  	  
	  
	 
		
	 Available Amount (the sum of clause (a) plus clause (b)
minus the sum of clause (c) plus clause (d) plus clause (e)):
	  	$	 	  
		  	  
	  
	 

  
 I-9

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