401(k) Retirement Plan

You will become eligible to make Elective Deferral Contributions and receive Matching Contributions and Profit Sharing Contributions on the first day of the calendar month, coincident with or next following the date you attain age 21 and you complete 3 months of service, measure from your date of hire, provided that you are an Eligible Employee at the end of that period.

Elective Deferral Contributions
You may elect to reduce your Compensation (defined below) and make a contribution to the Plan on a pre-tax basis. These pre-tax contributions are known as Elective Deferral Contributions. You may elect to defer up to 100% of your Compensation on a pre-tax basis. Federal law also limits the amount you may elect to defer under this Plan and any other retirement permitting Elective Deferral Contributions during any calendar year ($24,500 in 2026). However, if you are age 50 or over, you may defer an additional amount, called a “Catch-up Contribution”, of up to $8,000 (in 2026).

Amount of Matching Contributions
The Company may, in its sole discretion, make a Matching Contribution on your behalf if you make a “Matched Employee Contribution” during the Plan Year. A “Matched Employee Contribution” is any Elective Deferral Contribution or Catch-up Contribution that you may make.

Profit Sharing Contributions
The Company may, in its sole discretion, make a Profit Sharing Contribution to the Plan on your behalf. You will be eligible to receive an allocation if you have completed at least 1,000 hours of service during the Plan Year and are employed by the Company on the last day of the Plan Year.

Vesting
Elective Deferral Account and Rollover Contribution Account
You are always fully (100%) vested in your Elective Deferral Account and Rollover Contribution Account.

Matching Contribution Account and Profit Sharing Contribution Account
Your interest in your Matching Contribution Account and Profit Sharing Contribution Account will vest based on your Years of Vesting Service (defined below) in accordance with the schedule below.

In-Service Distributions and Loans
In-service Distributions upon Normal Retirement Age -In-service distributions may be made upon attainment of Normal Retirement Age. These distributions can be made from the following Accounts: All Accounts.

Hardship Withdrawals 
You may receive a distribution on account of hardship from the following Accounts but only if you are fully vested in such Account.
• Elective Deferral Account
• Rollover Contribution Account
• Transfer Account
• Immediate and Heavy Financial Need

See Plan Summary for Details

Loans 
If you are an active employee you may apply for a loan from the Plan. Loans will only be made to persons who the Plan Administrator determines have the ability to repay the loan. The maximum amount of your loan is the lesser of:
1. $50,000 minus the highest outstanding balance of loans in the past 12 months, or
2. One-half the present value of your vested Account balance.

Loans must be repaid over a period not extending beyond five years from the date of the loan, unless such loan is used to acquire a dwelling unit that, within a reasonable time (determined at the time the loan is made), will be used as your principal residence. The maximum loan term for a principal residence loan is 15 years. See Plan Summary for Details.