11.13 Overpayments. If it is determined that the amounts under the Plan should not have been paid or should have been paid in a lesser amount, written notice thereof shall be given to the recipient of such amounts (or his legal representative) and he shall repay the amount of overpayment to the Trustee or other funding media under the Plan. If he fails to repay such amount of overpayment promptly, the Company may take all actions permissible under law to recover for the Plan the amount of the overpayment, including but not limited to making an appropriate deduction or deductions from any future payment or payments payable to that person (or his survivor or Beneficiary) under the Plan or from any other benefit plan of the Employer.

* * *

IN WITNESS WHEREOF, the Sponsor has caused the Plan to be executed by its duly authorized representative as of 12/16 /2020.

/s/ Cheryl H. Johnson

Cheryl H. Johnson

Chief Human Resources Officer

SUPPLEMENT A.

Employee Stock Ownership Plan

A-1 Introduction. Effective January 1, 2004 or such later date as determined by the Administrator, a portion of the Plan is intended to be a stock bonus plan as defined in Treasury Regulations Section 1.401-1(b)(1)(iii) and a non-leveraged employee stock ownership plan ("ESOP") satisfying the requirements of Sections 401(a), 409, and 4975(e) of the Code. The ESOP portion of the Plan is designed to be invested primarily in Company Shares, which are qualifying employer securities within the meaning of Section 4975(e)(8) of the Code. For purposes of this Supplement A, each Participant shall be considered to be a "named fiduciary" within the meaning of (and to the extent permitted under) Section 402(a)(2) of ERISA with respect to the treatment of dividends paid on Company Shares credited to Participants' Accounts.

A-2 ESOP Portion. The ESOP portion of the Plan shall consist of all amounts credited to the Company Shares Fund. The non-ESOP portion of the Plan shall consist of the balance of amounts credited to Participants' Accounts.

A-3 Dividend Election. Notwithstanding anything to the contrary in paragraph 6.4(c) (or its successor provision), a Participant shall be offered an election to receive a payment or distribution of cash dividends that are paid on or after April 1, 2013 or such later effective date of this Supplement A, on Company Shares credited to his Accounts, including cash dividends paid on Company Shares credited to the Company Shares Fund. The Administrator may provide that this election may be offered: cu. before a dividend is paid, in which case the dividend may be paid by the Company directly to the Participant, or to

the Plan and then distributed to the Participant not later than ninety (90) days after the close of the Plan Year

in which paid to the Plan, or cv. after the dividend has been paid, in which case the dividend paid to the Plan shall be distributed to the

Participant within ninety (90) days after the close of the Plan Year in which paid to the Plan.

A Participant shall be deemed to elect to have the cash dividends automatically reinvested in Company Shares, unless the Participant files a timely election with the Administrator to have all or a portion of the cash dividends paid to the Participant. Dividends that are not paid or distributed to a Participant pursuant to the election described above shall remain subject to the requirements of paragraph 6.4(c). The Administrator shall determine the scope, manner and timing of the elections, dividend payments or distributions, and reinvestment in Company Shares described in this Section A-3 and paragraph 6.4(c) in any manner that is consistent with Section 404(k) of the Code and with ERISA.

A-4 Distribution in the Form of Company Shares. Notwithstanding anything to the contrary in Article VIII, a Participant entitled to a distribution from the Plan may demand that his ESOP accounts shall be distributed in the form of Company Shares.

A-5 Put Option. In accordance with Section 409(h)(4), (5) and (6) of the Code, if the Company Shares are or become not readily tradable on an established market, then any Participant who

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otherwise is entitled to a total distribution from the Plan shall have the right (hereinafter referred to as the "Put Option") to require that his Company Shares be repurchased by the Company. The Put Option shall only be exercisable during the sixty-day (60-day) period immediately following the date of distribution, and if the Put Option is not exercised within such sixty-day (60-day) period, it can be exercised for an additional sixty (60) days in the following Plan Year. cw. The amount paid for the Company Shares pursuant to the exercise of a Put Option as part of a

total distribution shall be paid in substantially equal periodic payments (not less frequently than annually) over

a period beginning not later than thirty (30) days after the exercise of the Put Option and not exceeding five (5)

years. There shall be adequate security provided and reasonable interest paid on an unpaid balance due under this

paragraph. cx. If the Company is required to repurchase Company Shares as part of an installment distribution, the amount to be

paid for the Company Shares will be paid not later than thirty (30) days after the exercise of the Put Option.

A-6 Voting of Company Shares. The Administrator shall furnish or cause to be furnished to each Participant who has Company Shares credited to his Accounts notice of the date and purpose of each meeting of the stockholders of the Company at which shares of Company Shares are entitled to be voted. The Administrator shall request from each such Participant instructions as to the voting at that meeting of Company Shares credited to his Accounts. If the Participant furnishes such instructions within the time specified in the notification given to him, the Trustee shall vote such Company Shares in accordance with the Participant's instructions. All Company Shares credited to Accounts as to which the Trustee does not receive voting instructions as specified above shall be voted by the Trustee proportionately in the same manner as it votes Company Shares to which the Trustee has received voting instructions as specified above, unless the Trustee, in its sole discretion, determines that it would not be consistent with its fiduciary duties under ERISA to do so.

A-7 Full Vesting. A Participant shall be fully vested in and have a non-forfeitable right to any cash dividends that are subject to the dividend election provisions of Section A-3, without regard to whether the Participant is vested in the Company Shares with respect to which the dividend is paid.

A-8 Diversification. A Participant who has attained age fifty-five (55) and completed at least ten years of participation in the Plan may direct the Trustee to diversify a portion of the balance in his Account, as provided in Section 401(a)(28)(B) of the Code. For each of the first five Plan Years after the Participant attains age 55, the Participant may elect to diversify an amount that is not less than 25% of the number of shares of qualifying employer securities allocated to his Account, less all shares with respect to which an election under this Section A-9 has already been made. In the case of the sixth Plan Year, the Participant may elect to diversify an amount that is not less than 50% of the number of shares of qualifying employer securities allocated to his Account (less all shares with respect to which an election under this Section A-9 has already been made).

The term "qualified election period" shall mean the six Plan Year period beginning with the Plan Year in which a Participant has attained age fifty-five (55) and ten years of service. A Participant's election to diversify his Account may be made within each Plan Year during the qualified election period and shall continue for the ninety (90) -day period immediately following

A-2

the last day of each Plan Year in the qualified election period. Once a Participant makes such election, the Plan must complete diversification in accordance with such election within ninety (90) days after the end of the period during which the election could be made for the Plan Year.

A-9 Hardship Withdrawal. A Participant who wishes a hardship withdrawal, if any,

first must elect to have paid to him all cash dividends that are subject to the dividend election provisions of Section A-3, effective as of the first date allowed for new elections or changes in elections in accordance with the provisions of Section A-3.

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SUPPLEMENTAL B

Minimum Distribution Requirements

B-1 General Rules. The provisions of this Supplement B shall apply for purposes of determining required minimum distributions for calendar years beginning on or after January 1, 2003 (the effective date of the Plan). The requirements of this Supplement B will take precedence over any inconsistent provisions of the Plan, to the extent such provision would result in a violation of the requirements of this Supplement B. All distributions required under this Supplement shall be determined and made in accordance with the Treasury Regulations under Section 401(a)(9) of the Code, except that distributions may be made under a designation made before January 1, 1984, in accordance with Section 242(b) of the Tax Equity and Fiscal Responsibility Act (TEFRA) and the provisions of the Plan that relate to Section 242(b)(2) of TEFRA. For avoidance of doubt, a Same-Sex Domestic Partner's survivor benefits shall comply with the requirements under Section 401(a)(9) of the Code for non-spousal beneficiaries.

B-2 Time and Manner of Distribution. cy. Required Beginning Date. The Participant's entire interest must be distributed, or begin to be distributed, to

the Participant no later than the Participant's required beginning date. cz. Death of Participant Before Distributions Begin. If the Participant dies before distributions begin the

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