I. Introduction and General Information

C. Matching contributions. The Company in its sole discretion may make matching contributions to Participant accounts. Matching contributions will be allocated to the Accounts of Participants who have made elective contributions during the Plan Year.

D. Profit Sharing contributions. The Company in its sole discretion may make profit sharing contributions to certain individual accounts.

E. Rollover Contributions. All Employees shall be permitted to roll over benefits from another qualified plan to the Plan, regardless of participation. Roll over contributions shall be fully vested at all times.

F. Participant Accounts. The Company will maintain a recordkeeping account in each Participant’s name to show the value of the Participant’s retirement benefits; this is called the ‘Plan or Non-ESOP Account.’ The assets attributable to this account will be valued regularly and will be available for regular review.

G. Vesting. All Elective Deferrals, Profit-Sharing, rollover amounts and, if applicable, safe harbor and qualified non-elective contributions shall be fullyvested. Matching contributions vest in accordance with the following schedule:

Years of Vesting Service Percentage Vested <1 0% 1 20% 2 40% 3 60% 4 80% 5 100%

Vesting service with respect to the Participant’s Non-ESOP Account will include service before the Plan Effective Date. Benefits that are not vested as of the Participant’s termination date will be forfeited, provided that no Participant will forfeit benefits on account of disability, death or termination of service after attaining age 65. If a Participant forfeits their benefit and returns to service before a 5-year break in service, the Participant will have benefits restored upon return to service, provided that, if Participant received a distribution, Participant must repay the distributed amount to the Plan.

This Plan uses hours of service as a way to determine service for vesting purposes; an Employee shall be credited with one Year of Service upon completing 1000 Hours of Service during a Plan Year. An employee will receive credit for each hour for which Participant is paid or entitled to be

paid, even though not working (such as vacation, sickness, leave of absence, or disability), or hours for which Participant received back pay if hours were not already counted. A maximum of 501 hours will be credited in any year for periods that involves pay without work. Hours will be calculated using actual hours.

ARTICLE IV: ESOP ALLOCATIONS UNDER THE PLAN

A. Stock allocations under the Plan. The Plan is a leveraged ESOP. This means that stock held by the Plan was acquired by the ESOP using borrowed funds (via a stock acquisition loan). Shares acquired with borrowed funds are placed into a suspense account and are ‘released’ and allocated to Participant accounts as the loan is repaid by the Plan, using Company contributions. Participants have no liability for ESOP stock acquisition loans; further, the stock in their accounts cannot be used to repay such a loan.

B. Method for Allocating Shares to Participant Accounts. Shares of stock that are ‘released’ are allocated in proportion to each Participant’s allocation units. Each Participant shall receive 7 Allocation Units for each dollar per hour (excluding over time) the Participant earns as of the Allocation Date and 3 Allocation Units for each year of employment as of such date. For salaried Participants, dollars per hour shall be equal to adjusted compensation divided by 2000. For hourly Participants, their dollar per hour computation shall be adjusted to reflect annual bonuses, if any; the adjustment shall be equal to the bonus paid for the year divided by 2000. Years of employment shall be equal to months of employment divided by 12 (any day in a month shall be treated as a full month); a fraction will be treated as a full year of employment. Adjusted compensation shall refer to Compensation including bonuses but excluding overtime, if any. No ESOP allocation shall be made to the account of a Participant whose service terminated before the allocation date unless such termination was due to death or disability.

C. Participant Accounts. The Company will set up a recordkeeping account in each Participant’s name to show the value of stock attributable to the Participant; this is called the ‘ESOP Account.’ The stock attributable to this account will be valued at least once a year by an outside valuation expert.

D. All ESOP benefits are subject to a 3-year vesting schedule:

Years of Vesting Service Percentage Vested

Less than 3 3 or more

0 100%