A CV Distribution shall not be subject to the 10% early distribution penalty under Section 72(t) of the Code or 20% mandatory income tax withholding. In addition, a Participant who is still an Employee and who took a CV Distribution may elect to repay all or a portion of such distribution to the Plan within three years of the CV Distribution (and those repayments will not be subject to Internal Revenue Service contribution limits). The Administrator or its designee shall accept a re-contribution of a CV Distribution provided it reasonably concludes that such re-contribution is eligible for direct rollover treatment under Section 2202(a)(3) of the CARES Act, and such re-contribution is made in accordance with Internal Revenue Service Notice 2020-50.

a. Loan Suspension. A Qualified Individual may suspend loan repayments for any

existing loan due between June 2, 2020 through December 31, 2020. When loan payments recommence on January 1, 2021, they will subsequently be reamortized to reflect any suspended payments, adjusted for interest, and the term of the loan will be extended for up to one year, notwithstanding anything in Section 8.10 to the contrary.

ARTICLE IX

PLAN ADMINISTRATION

9.1 General Fiduciary Standard of Conduct. Each fiduciary under the Plan shall

discharge his duties hereunder solely in the interest of the Participants and their Beneficiaries and for the exclusive purpose of providing benefits to the Participants and their Beneficiaries and defraying the

45

reasonable expenses of administering the Plan and the Trust. Each fiduciary shall act with the care, skill, prudence and diligence under the circumstances then prevailing that a prudent man, acting in a like capacity and familiar with such matters, would use in the conduct of an enterprise of a like character and with like aims, in accordance with the documents and instruments governing the Plan and the Trust, insofar as such documents and instruments are consistent with this standard.

9.2 Allocation of Responsibility Among Fiduciaries. Plan fiduciaries shall have only

those powers, duties, responsibilities and obligations specifically delegated to them under this Plan or as delegated to them by resolutions or other actions of the Board of Directors of the Sponsor taken from time to time. In addition, any authority to amend or terminate the Plan may be delegated by resolutions or other actions of the Board of Directors of the Sponsor taken from time to time. In case of any conflict between any provision of this Plan and any delegation by action of the Board of Directors of the Sponsor, the delegation by action of the Board of Directors of the Sponsor shall always govern. The Sponsor, the Administrator (if other than the Sponsor), members of the Benefit Funds Committee, the Trustee, if any, and any investment manager shall each be a "named fiduciary" as defined in Section 402(a)(2) of ERISA.

Subject to this Section 9.2, the following additional provisions shall apply: ca. The Sponsor may delegate fiduciary duties (other than trustee duties) to persons other than named fiduciaries,

and may approve any allocation of fiduciary duties among named fiduciaries, as provided in Section 405(c) of ERISA

and in accordance with Sections 6.4 or 9.3 hereof, as applicable. cb. The Corporate Treasurer shall have the authority to delegate duties relating to Plan financial matters to the

Benefit Funds Committee. cc. If there is more than one Trustee, they may enter into agreements among themselves with respect to the

allocation of trustee responsibilities with the consent of the Administrator as provided in Section 405(b) of

ERISA. cd. To the extent permitted by law, neither the Administrator nor any director, officer, or employee of the Sponsor or

the Employers (including any member of the Benefit Funds Committee) shall incur any personal liability of any

nature in connection with any act done or omitted to be done in good faith under or in connection with the Plan.

9.3 Administrator. The Plan shall be administered by the Administrator. The

Administrator reserves the authority to adopt such procedures, which shall be applied in a uniform and nondiscriminatory manner, as it deems necessary to administer the Plan and to determine all questions arising under the Plan. The Administrator may designate any person, entity, committee, board or similar body to act as named fiduciary or fiduciaries, or to act as the designee of the Administrator as a fiduciary, under the Plan and allocate any and all of its duties and responsibilities under the Plan to such named fiduciary or fiduciaries, or such designee(s). If the Administrator so allocates any of its duties and responsibilities under the Plan, such named fiduciary, fiduciaries or designee(s) shall be substituted for the Sponsor whenever such term appears under the Plan with respect to any duties and responsibilities so allocated. Notwithstanding any such delegation, the Administrator shall continue to

46

be the "plan administrator" as defined under Section 414(g) of the Code and the "administrator" as defined in Section 3(16)(A) of ERISA, unless otherwise explicitly provided in such delegation.

The Administrator, or its duly authorized designee, shall have discretionary authority to interpret the terms of the Plan and to determine eligibility for and entitlement to Plan benefits and shall have the discretion to take any other action with respect to the Plan in accordance with any applicable delegation. Prior exercise of such authority shall not create a precedent or obligate the Administrator (or its designee, as applicable) to exercise its authority in the same or similar fashion thereafter. Any interpretation, determination or action shall be given full force and effect and shall not be given "de novo" review if challenged by any court, agency or other authority.

9.4 Powers and Duties of Administrator. In addition to all other powers and duties set forth herein, the Administrator shall have all necessary power to accomplish its duties under the Plan, including but not limited to, the power to: ce. construe and interpret the Plan, decide all questions of eligibility and determine the amount, manner and time

of payment of any benefits under the Plan; cf. prescribe procedures to be followed by Participants or Beneficiaries filing applications for benefits or

taking any other action under the Plan; cg. assist any Participant or Beneficiary regarding any rights, benefits or elections available under the Plan; ch. adopt reasonable procedures for determining whether any order, judgment or decree constitutes a Qualified Domestic

Relations Order; ci. prepare and file such Plan descriptions and annual reports as may be required by ERISA, the Code or other

applicable legislation; cj. act on direction from the Benefit Funds Committee regarding matters arising under Sections 1.5 and/or 6.4

of the Plan (including ensuring that investment elections made pursuant to Section 6.4(a) are processed and that

the disclosures required by ERISA Section 404(c) and the U.S. Department of Labor Regulations issued thereunder are

furnished) or other financial matters affecting the Plan; ck. receive from the Employers, Participants and Beneficiaries such information as shall be necessary for the proper

administration of the Plan; cl. furnish the Employers, upon request, such annual reports with respect to the administration of the Plan

as are reasonable and appropriate; cm. maintain all the necessary records for the administration of the Plan; cn. receive, review and keep on file (as it deems convenient and proper) reports of benefit payments made by the

Trustee and reports of disbursements for expenses directed by it;

47 k. retain, to the extent permitted under applicable policies of the Sponsor, service providers,

consultants, and professional advisors, as necessary, to assist in the fulfillment of its duties under the Plan;

and co. perform all other acts which the Administrator in its sole discretion deems necessary and proper to accomplish

and implement its responsibilities under the Plan.

The Administrator, or its designee, shall have the discretionary authority to establish reasonable rules and procedures to carry out its responsibilities under the Plan and may delegate (or further delegate, as applicable) such duties and responsibilities in a writing that is filed with the Sponsor's Secretary. Any rule or procedure adopted by the Administrator, or any decision, ruling, interpretation, or determination made by the Administrator, in good faith and in accordance with the applicable fiduciary standards of ERISA shall be final, binding and conclusive on all Employers, Employees, Participants, Beneficiaries and all persons claiming through them. Rules and procedures adopted by the Administrator in accordance with this Section 9.4 may alter any provision of the Plan that is ministerial or administrative in nature and not governed by applicable law or regulation, including varying the time required for performing any act, without a formal amendment to the Plan. Wherever the Plan provides for any action to be taken or election to be made by a Participant or Beneficiary, the Administrator may establish procedures providing for such action to be taken or election to be made through the use of electronic mail, a telephone voice response system, or other electronic means, to the extent permitted by applicable law. Any delegation of authority made, rule or procedure adopted, or other action taken, by the Administrator shall remain valid and in effect until changed in accordance with the Plan.

9.5 Compensation and Expenses. All fiduciaries who are Employees shall serve

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February 18, 2021 15:01 ET (20:01 GMT)