MONEY PURCHASE PLAN APPLICATION - E*Trade

MONEY PURCHASE PLAN APPLICATION

By regular mail:E*TRADE Securities LLCP.O. Box 484Jersey City, NJ 07303-0484

General Fax Number: 1-866-650-0003 From Outside the US: +1-678-624-6950

By overnight mail:E*TRADE Securities LLCHarborside Financial Center501 Plaza 234 Exchange PlaceJersey City, NJ 07311

General Fax Number: 1-866-650-0003From Outside the US: +1-678-624-6950

COMPLETE YOUR E*TRADE APPLICATION IN THREE EASY STEPS

The Money Purchase Plan Application you requested begins on the following page.

To complete your application, simply:

1.

If you would like to complete the application by hand, skip this step and move onto Step 2.

2. ONCE YOU HAVE PROVIDED THE REQUESTED INFORMATION, REVIEWYOUR APPLICATION TO ENSURE IT IS COMPLETE AND PRINT IT BYCLICKING THE BUTTON ON THE TOP TOOLBAR.

3. SIGN AND DATE YOUR APPLICATION, AND MAIL IT TO THE APPROPRIATEADDRESS:

SCROLL DOWN AND FILL OUT EACH FIELD BY TYPING IN THEAPPROPRIATE INFORMATION.

Note: Please include a Fax Cover Sheet when submitting documents by facsimile. Notarized documents and other forms for which original document is needed cannot be submitted by facsimile.

Need Help? Call 1-888-402-0654 to speak with a RetirementSpecialist from 7AM to 12AM EST, Monday through Friday..

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TO OPEN A MONEY PURCHASE PLAN:

FORMS NEEDED

1. Money Purchase Plan Application (completed by participant)2. Designation of Beneficiary form (completed by participant)3. Simplified Money Purchase Pension Plan Standardized Adoption Agreement (completed by employer)

Please return pages 3-8 and 12-20 of this application packet to E*TRADE, by fax or mail, for processing. We recommend that you

Reminder: the current year is December 31.

A Money Purchase Plan is a tax-deferred retirement plan for businesses of any size. Eligible employees are age 21 or olderand have been working for the company for at least two years if vesting is 100% immediate (or one year if vesting is not 100%immediate). The plan requires annual fixed employer contributions. For contribution limits and deadlines visit www.etrade.com/iralimits.

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Include a Fax Cover Sheet when submitting documents by facsimile. Notarized documents and other forms for which original document is needed cannot be submitted by facsimile.

US Department of Labor (DOL) Section rule requires certain of ERISA plans to disclose certaininformation to “responsible plan fiduciaries” of ERISA plans, including all direct and indirect compensation for

You can access additional information about this disclosure by the DOL's Fact Sheet:.

If you are the plan fiduciary, you are responsible for ensuring that all plan fees and of the plan are reasonable andappropriate. includes fees paid to all Please see disclosure information at www.etrade.com/fees. As the plan fiduciary, you should and in your files all of the disclosures from all

Notification of ERISA 408(b)(2) disclosure to responsible plan fiduciary

MONEY PURCHASE PLAN APPLICATION 0916-MPPAM-B64906Page 2 of 22

www.etrade.com/iralimits

www.etrade.com/iralimits

https://content.etrade.com/etrade/extras/etrade_faxcover.pdf

http://www.dol.gov/ebsa/newsroom/fs408b2finalreg.html

http://www.dol.gov/ebsa/newsroom/fs408b2finalreg.html

www.etrade.com/fees

www.etrade.com/fees

IMPORTANT INFORMATION ABOUT PROCEDURES FOROPENING A NEW ACCOUNTTo help the government fight the funding of terrorism and moneylaundering activities, the USA PATRIOT Act requires all financialinstitutions to obtain, verify, and record information that identifieseach person who opens an account.What this means for you: When you open an account, we will askfor your name, address, date of birth, and other information that willallow us to identify you. We may also ask to see your driver’slicense or other identifying documents.

1. ACCOUNT INFORMATION


Name of Adopting Employer Employer Tax ID Number

Business Street Address, City, State ZIP

2. ENTER YOUR PARTICIPANT INFORMATION (PLEASE PRINT)

SECURITIES INDUSTRY REGULATIONS REQUIRE THAT WE COLLECT ALL OF THE FOLLOWING INFORMATION.

Mr.

Ms. Dr.

Mrs.Name (first, middle initial, last)

Jr. Esq. OtherSr.

Home Street Address (cannot be a P.O. box) City, State, ZIP

Mailing Address (if different from above; P.O. box may be used) City, State, ZIP

Country Code Home Phone Country Code Business Phone E-mail Address (required for account updates)

Date of Birth (mm/dd/yyyy) Social Security Number Employer Specific Occupation

Line of Business* (required for self-employed persons)

Business Street Address City, State, ZIP

Number of Dependents (Including self)

Are you an officer, director, 10% shareholder, or policymaker of a publicly held company?

Other:Single Married Divorced Widowed 1 2 3 4

No Yes (if yes, you must submit a compliance letter with this application) No Yes (specify companies)

Marital Status

Are you employed by a registered broker-dealer, a securities exchange, or FINRA?

Employment Status

Employed Self - employed* Retired Student Not Employed

Page 3 of 22MONEY PURCHASE PLAN

APPLICATION 0916-MPPAM-B64906

2. ENTER YOUR PARTICIPANT INFORMATION (CONTINUED)

IF YOU ARE NOT A U.S. RESIDENT, PLEASE PROVIDE THE FOLLOWING INFORMATION.Passport Number Passport Country of Issuance Country of Legal Residence (please attach Form W-8BEN)

NOTE: If you are a non-U.S. resident, please attach a photocopy of your passport or government-issued identification. We cannot open your account without this documentation.

IF YOU ARE NOT A U.S. CITIZEN, PLEASE PROVIDE THE FOLLOWING INFORMATION.Country of Citizenship

IF YOU HAVE BEEN AT YOUR CURRENT ADDRESS FOR LESS THAN SIX MONTHS, PLEASE PROVIDE YOUR PREVIOUS ADDRESS.Street Address City, State, ZIP

SECURITIES INDUSTRY REGULATIONS REQUIRE THAT WE COLLECT ALL OF THE FOLLOWING INFORMATION.

Overall Investment Objective for This Account (choose only one)

$0 -$14,999

$15,000 -$24,999

$25,000 -$49,999

$50,000 -$99,999

$100,000 -$199,999

$200,000 -$499,999

$500,000 -$999,999

$1,000,000+

$0 -$24,999

$25,000 -$49,999

$50,000 -$99,999

$100,000 -$499,999

$500,000 -$999,999

$1,000,000+

$0 -$14,999

$15,000 -$24,999

$25,000 -$49,999

$50,000 -$99,999

$100,000 -$199,999

$200,000+

None

Limited

Good

Excellent

Capital preservation

Income

Growth

Speculation

Minimize the potential for any loss of principal.

Provide current income rather than growth ofprincipal.

Increase investment value over time whileaccepting price fluctuations.

Assume the highest degree of risk forpotentially higher returns.

InvestmentExperience

Annual Income Approximate Net Worth (excludingprimary residence)

Approximate Liquid Net Worth (cash, stocks, etc.)

Where will the assets to fund this account primarily come from? (select one)Securities

Personal Funds

Real Estate Proceeds

Income from Earnings

Insurance Proceeds

Inheritance / Gift

Pension / IRA / Retirement Savings

Other (please specify) ____________________________________________________________________________________

3. CREATE YOUR INVESTMENT PROFILE

How often do you trade?0-3 trades per month

4-9 trades per month

10+ trades per month

Yes No

Does anyone other than the participant have trading authorization over the account?

If yes, please complete and mail the PoweThis form can be found on our website und



I am of legal age to enter into this contract. I acknowledge that I have received, read, and agree to be bound by the terms and conditions as currently set forth in the E*TRADE Securities Customer Agreement and as amended from time to time. The E*TRADE Securities Customer Agreement is available online at www.etrade.com/custagree or by calling 1-800-387-2331. I ACKNOWLEDGE THAT E*TRADE SECURITIES DOES NOT PROVIDE INVESTMENT, TAX, OR LEGAL ADVICE. I understand that you will supply my name to issuers of any securities held in this account so that I might receive any important information regarding them, unless I notify you in writing not to do so.

5. PLEASE SIGN TO APPLY FOR YOUR QUALIFIED RETIREMENT PLAN WITH E*TRADE SECURITIES

Under penalties of perjury, I certify that:1. The number shown on this form is my correct taxpayer identification number (or I am waiting for a number to be issued to me), and

2. I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by theInternal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or(c) the IRS has notified me that I am no longer subject to backup withholding, and

3. I am a U.S. citizen or other U.S. person (defined below), and

4. The FATCA code(s) entered on this form (if any) indicating that I am exempt from FATCA reporting is correct.

Certification instructions. You must cross out item 2 above if you have been notified by the IRS that you are currently subject to backup withholding because you have failed to report all interest and dividends on your tax return. For real estate transactions, item 2 does not apply. For mortgage interest paid, acquisition or abandonment of secured property, cancellation of debt, contributions to an individual retirement arrangement (IRA), and generally, payments other than interest and dividends, you are not required to sign the certification, but you must provide your correct TIN. Certification Instructions


Corporate reports, proxies, and reorganization notices

Prospectuses

Trade confirmationsMonthly statements

4. SELECT YOUR ACCOUNT OPTIONS

Receive Your Account Documents OnlineFor your convenience, account documents such as monthly statements and trade confirmations will be delivered to you electronically via a secure online file cabinet instead of by U.S. mail. We will notify you at the primary authorized person's e-mail address provided in section 2 whenever a new document is available. This feature is provided automatically, unless declined below.

I would prefer to receive the following items by U.S. mail:

You must provide us with your e-mail address in section 2 to receive electronic account documents.

You may change your delivery preferences at any time. With respect to documents you elect to receive electronically, you agree to all the terms governing Electronic Delivery of Documents of the E*TRADE Securities Customer Agreement at www.etrade.com/custagree.

Earn Income on Your Uninvested Cash (1)

Select only one of the following choices for the uninvested cash in your account. You may change your selection at any time. For current rates and other information, go to www.etrade.com/rates.

Select One

E*TRADE Financial Extended Insurance Sweep Deposit Account (Offers daily interest and FDIC insurance up to $1,250,000.)(2)

Cash Balance Program(3)

JPMorgan U.S. Government Money Market Fund, E*TRADE Class

JPMorgan 100% U.S. Treasury Securities Money Market Fund, Morgan Class

The fund’s prospectus contains its investment objectives, risks, charges, expenses and other important information and should be read and considered carefully before investing. For a current prospectus, visit www.etrade.com/mutualfunds.Investments in money market mutual funds are neither insured nor guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.

(1) You have the option to have cash balances in your securities account automatically transferred to either a money market mutual fund product or an account at a bank or banks whose deposits are insured by the FDIC (collectively, “SweepProgram”). For detailed information of the general terms and conditions of the products available through the Sweep Program go to www.etrade.com/sweepoptions. The products available under the Sweep Program may change at any time. By signing this application, you are providing your written affirmative consent to have your cash balance included in the Sweep Program with the option selected by you. You also acknowledge that if no option is chosen, you will be deemed to have selected the E*TRADE Financial Extended Insurance Sweep Deposit Account.(2) If you select the E*TRADE Financial Extended Insurance Sweep Deposit Account(“ESDA”), we will provide you a copy of the ESDA Program Customer Agreement which can also be found at www.etrade.com/esdaagreement as part of the Bank Sweep Account Agreements. In the ESDA Program, your available cash balances will automatically sweep between the brokerage account and deposit accounts at participating depository institutions (“Program Banks”), with deposits at each Program Bank insured by the FDIC for up to $250,000. The total FDIC insurance coverage for cash in your ESDA account will be up to$1,250,000 per account ($2,500,000 for joint accounts). Any amount in excess of $1,250,000 ($2,500,000 for joint accounts) will not be covered by FDIC insurance. You also should include other accounts you hold in the same title and capacity at any of the Program Banks in calculating FDIC insurancecoverage limits, because coverage limits are set per customer across all accounts. A list of Program Banks can be found at www.etrade.com/esda. For more information regarding FDIC insurance coverage limits, please visit www.fdic.gov.(3) Free Credit Balances on E*TRADE Securities

Tax documents

www.etrade.com/custagree

https://content.etrade.com/etrade/estation/pdf/fw9.pdf

www.etrade.com/custagree

Read and sign below if you are applying to trade options. Important: You must also sign in section 5 before we can open your account. You cannot use this application to upgrade an existing account. If you would like to add options trading capability to an existing account, please use the Margin/Option Account Upgrade Form, which can be found at www.etrade.com/forms.

I agree not to enter into any options transactions until I have received, read and understood the disclosure document entitled Characteristics and Risks of Standardized Options, which can be found at www.etrade.com/optionsagree. We will also mail you this document. I am aware of the special risks and obligations of options trading. I have read, understood, and agree to be bound by the options trading terms and conditions outlined in section 10 of the E*TRADE Securities Customer Agreement, which can be found at www.etrade.com/custagree. I also agree that I am bound by it as it is currently in effect and as it is amended from time to time.

I UNDERSTAND THAT THIS ACCOUNT IS GOVERNED BY A PREDISPUTE ARBITRATION CLAUSE. I acknowledge that I have received and read a copy of the E*TRADE SECURITIES CUSTOMER AGREEMENT which contains a pre-dispute Arbitration Agreement at Section 8.

For E*TRADE Securities Only

I have received this application and believe the account is suitable for:Approval Date

Approval Date Cash Option Level-One

Signature of Participant Date

System response and account access times may vary due to a variety of factors, including trading volumes, market conditions and system performance.

The E*TRADE Financial family of companies provides financial services including trading, investing and related banking products and services to retail investors.

Securities products and services are offered by E*TRADE Securities LLC, Member FINRA/SIPC.

© 2016 E*TRADE Financial Corporation. All rights reserved.

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6. OPTIONS TRADING APPLICATION AND AGREEMENTYOU WILL BE CONSIDERED FOR LEVEL 1 ONLY (WRITE COVERED CALLS). THIS IS A CAPITAL PRESERVATION /INCOME STRATEGY

Marital Status Number of Dependents(Including Self)

OptionsInvestmentKnowledge and Experience

Options TradingExperience

Years of Trading Experience

AverageTransactionSize

Single

Married

Divorced

Widowed

None

Limited

Good

Excellent

1

2

3

4

Other

$0 -$9,999

$10,000 -$24,999

$25,000+

Uncovered Puts

Spreads

Purchases

Covered Puts

Covered Call Writing

None Stocks

Bonds

Options

Futures

yrs

yrs

yrs

yrs

Total Transactions Per YearStocks

Bonds

Options

Futures0-9 10-14 15-24 25-74 75+

0-9 10-14 15-24 25-74 75+

0-9 10-14 15-24 25-74 75+

0-9 10-14 15-24 25-74 75+

THIS APPLICATION IS OPTIONAL: Complete this form only if you would like to apply to add options trading capability to this account. Visit www.etrade.com/options to learn more about the risks and rewards of options trading.

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DateSignature of Participant Printed Name

I am not a U.S. individual and have attached Form(s) W-8BEN to this application to claim foreign status or treaty benefits.I have also included a copy of my passport or government issued ID.

The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

I UNDERSTAND THAT THIS ACCOUNT IS GOVERNED BY A PREDISPUTE ARBITRATION CLAUSE. I acknowledge that I have received and read a copy of the E*TRADE SECURITIES CUSTOMER AGREEMENT which contains a pre-dispute Arbitration Agreement at Section 8.

www.etrade.com/options

4. CONSENT OF SPOUSE (IF ANY NON-SPOUSE BENEFICIARY IS NAMED AS PRIMARY BENEFICIARY)

I am the spouse of the participant named above. I hereby consent to the above designation of beneficiary. I understand that if anyone other than me is designated as Primary Beneficiary on this form, I am waiving all or a portion of any rights I may have to receive benefits under the plan when my spouse dies.

I acknowledge that I have received a fair and reasonable disclosure of my spouse’s property and financial obligations. Due to the important tax consequences of giving up my interest in this account, I have been advised to see a tax professional. I hereby give the account holder any interest I have in the funds or properties deposited in this account and consent to the beneficiary designation indicated above. I assume full responsibility for any adverse consequences that may result. No tax or legal advice was given to me by E*TRADE Securities LLC.

Signature of QRP Participant’s Spouse (Must be notarized - Section 6) Date Printed Name of QRP Participant’s Spouse

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2. CURRENT MARITAL STATUS

I AM NOT MARRIED

I AM MARRIED

I understand that if I become married in the future, my spouse will be my Primary Beneficiary unless I complete a new Designation of Beneficiary form and my spouse consents to my designation.

I understand that my spouse will be my Primary Beneficiary by providing his/her information in Section 3 below. However, I understand I may designate a Primary Beneficiary other than my spouse on the space below if my spouse signs the section below entitled “Consent of Spouse.”

3. DESIGNATION OF BENEFICIARY (IES)

The following individual(s) shall be my beneficiary(ies). Please check Primary or Contingent for each individual beneficiary. If neither is checked, the individual will be deemed to be a primary beneficiary. If any primary or contingent beneficiary dies before me, his or her interest and the interest of his or her heirs shall terminate completely, and the percentage share of any remaining beneficiary(ies) shall be increased on a pro rata basis. If no primary beneficiary(ies) survives me, the contingent beneficiary(ies) shall acquire the designated share of my plan balance.

Enter whole % amounts only. Total must add up to 100% per beneficiary type (e.g. allocation for three primary beneficiaries could be 34%, 33%, 33%). If you wish to designate more than three primary or contingent beneficiaries, attach a separate sheet and include all the information as indicated below.

TYPE OF BENEFICIARY

Primary

Primary

Primary

Primary

Contingent

Contingent

Contingent

Contingent

SHARE %*

%

%

%

%

NAME BIRTH DATE SSN/TIN (optional) RELATIONSHIP

1. GENERAL INFORMATION

Name of Plan

Employer Address

Name of Participant (first, middle, last)

Country Code

Address

Home Phone

Name of Employer

City, State/Province, Zip/Postal Code, Country

Country Code Employer Phone

Date of Birth (mm/dd/yyyy) Social Security Number

City, State/Province, Zip/Postal Code, Country

©2015 Ascensus, Inc., Brainerd, MN

DESIGNATION OF BENEFICIARYfor QUALIFIED RETIREMENT PLAN (QRP)



Signature of QRP Participant Date Printed Name of QRP Participant

7. SIGNATURE AUTHORIZING DESIGNATION OF BENEFICIARY (IES)

The E*TRADE Financial family of companies provides financial services including trading, investing and related banking products and services to retail investors. Securities products and services are offered by E*TRADE Securities LLC, Member FINRA/SIPC.

© 2016 E*TRADE Financial Corporation. All rights reserved.


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INSTRUCTIONS FOR SECTION 5: WAIVER ELECTION FOR QUALIFIED PRE-RETIREMENT SURVIVOR ANNUITIES

IMPORTANT INFORMATION ABOUT QUALIFIED PRE-RETIREMENT SURVIVOR ANNUITIES

Employee: If you have a Money Purchase Plan and wish to waive the requirements for the Qualified Pre-Retirement Survivor Annuity, the Waiver Election section must be completed by you. If you are married, your spouse must also provide their consent.

Employer: This Waiver Election is applicable to Money Purchase Plans. It does not apply to Profit Sharing Plans and 401(k) Plans, since these plans include an REA Safe Harbor provision. As such, no existing plan assets are subject to the REA annuity requirements.

If you are a married participant in your employer’s qualified retirement plan, the law requires that any amount remaining in your plan account be paid to your surviving spouse in a certain manner at your death. This manner of payment, called a “Qualified Pre-Retirement Survivor Annuity,” will provide your spouse with a series of periodic payments over his or her life. The size of the periodic payments will depend on the amount remaining in your plan account. For example, assume that a participant dies with an account balance of $10,000. If the balance is paid to the surviving spouse in the form of a Qualified Pre-Retirement Survivor Annuity, the annuity will provide the spouse with monthly payments of $76.60. (This payment amount is an estimate based on the Individual Annuity Mortality Tables - 71 using a 5% interest rate with payments commencing at age 65.) You may elect to waive the following: 1. The requirement that your surviving spouse be paid in the form of a Qualified Pre-Retirement Survivor Annuity, and 2. The requirement that your spouse be your beneficiary (only if applicable). You may make either or both of the above elections beginning with the first day after which you become a participant in the plan. Any waiver election you sign before age 35 will become invalid the first day of the plan year in which you attain age 35. At that time you may again waive the Qualified Pre-Retirement Survivor Annuity and the requirement that your spouse be your beneficiary.

Your spouse must consent in writing to either waiver. You have the right to revoke any waiver that you have made at any time before your death. Your spouse must also consent to any subsequent changes of beneficiary. If your vested account balance is $5,000 or less at the time of your death, the plan administrator may make a distribution to your surviving spouse in a single sum cash payment even if you did not waive the Qualified Pre-Retirement Survivor Annuity. Because a spouse has certain rights under the law, you should inform your plan administrator immediately of any changes in your marital status. A change in your marital status may require you to complete a new Designation of Beneficiary form. For more information regarding Pre-Retirement Survivor Annuities, contact your plan administrator (employer).

5. WAIVER ELECTION (APPLICABLE TO MONEY PURCHASE PLANS ONLY)

Signature of QRP Participant Date Printed Name of QRP Participant

Spouse’s Consent to Waiver Election (for Qualified Pre-Retirement Survivor Annuity) I hereby consent to my spouse’s election not to have benefits remaining in his or her plan paid in the form of a Qualified Pre-Retirement Survivor Annuity at his or her death. I understand that my consent cannot be revoked unless my spouse revokes the above waiver.

Signature of QRP Participant’s Spouse (Must be notarized - Section 6) Date Printed Name of QRP Participant’s Spouse

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6. NOTARY OR PLAN REPRESENTATIVE WITNESS TO SPOUSAL CONSENT (Applies to either or both consents [Sections 4 and 5] above.If Plan Representative is the Plan Participant noted in Section 1, a Notary Public must witness and sign below.)

Subscribed and sworn to before me Affix Seal Here

This day of , 20

Signature of Notary Public or Plan Representative Printed Name of Notary Public or Plan Representative

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Married Participant’s Waiver Election (for Qualified Pre-Retirement Survivor Annuity) As a married participant in my employer’s qualified retirement plan, I acknowledge that I have read the information about Qualified Pre-Retirement Survivor Annuities below. I understand that when I die, any amount remaining in my plan account will be paid to my surviving spouse in the form of a Qualified Pre-Retirement Survivor Annuity. I understand that I have a right to waive that form of payment. I hereby elect to waive the requirement that my surviving spouse be paid any benefits that I may have in the plan at the time of my death in the form of a Qualified Pre-Retirement Survivor Annuity. I understand and agree that this waiver is valid only if my spouse has consented by reading and signing the statement below.



These instructions are designed to help you, the Employer, along with your attorney, and tax advisor, complete the Adoption Agreement for your qualified retirement plan. The instructions are to be used only as a general guide and are not intended as a substitute for qualified legal and tax advisors. E*TRADE FINANCIAL Corporation and its affiliates do not provide tax advice, and nothing in this section should be construed as tax advice. Before acting on any such information, consult your own accountant or tax advisor. The words and phrases that are capitalized are defined terms that may be found in the Basic Plan Document.

EMPLOYER INFORMATION

Fill in the requested information. The “Adopting Employer’s Federal Tax Identification Number” is the tax identification number assigned to your business. If your business does not have a Federal Tax Identification Number, complete and file an Internal Revenue Service (IRS) Form SS-4 to obtain a number. The IRS Form SS-4 can be obtained from an IRS office or from your tax advisor. If you have already filed a Form SS-4, print “Applied for” on the “Adopting Employer’s Federal Tax Identification Number” line. After you receive a tax identification number, please contact us with the updated information.

The “Plan Sequence Number” is used for annual reporting to the IRS. It is a three digit number assigned by you and is used by the IRSto identify your Plan. For example, if this is the second Plan you maintain or have maintained, the Plan Sequence Number would be002 and so on.

1. EFFECTIVE DATES

This Money Purchase Pension plan is either a new Plan (an initial adoption) or a restatement of an existing qualified retirement plan.

Part A. New Plan Effective Date

If this is a new Money Purchase Pension plan, fill in the New Plan Effective Date. The Effective Date is usually the first day of the Plan Year in which this Adoption Agreement is signed and may not be earlier than such date. For example, if an Employer maintains a Plan on a calendar year basis and this Adoption Agreement is signed on March 24, 2016, the Effective Date would be January 1, 2016.

Part B. Existing Plan Amendment or Restatement Date

If the reason you are adopting this Plan is to amend and replace an existing qualified plan or if you are restating your plan for PPA, then you will need to complete this section. The existing qualified plan to be replaced is called an “Initial Plan.” You will need to know the Effective Date of the Initial Plan. The restatement Effective Date is generally the first day of the Plan Year in which this Adoption Agreement is signed.

If the plan you are adopting is a Frozen Plan indicate the effective date the plan was frozen on.

2. ELIGIBILITY

Part A. Age and Eligibility Service Requirement

Age Requirement — Fill in the age an Employee must attain (no more than 21) to be eligible to receive Employer Money PurchasePension Contributions.

Eligibility Service Requirement — Choose the appropriate Service requirement that an Employee must complete to be eligible to receive Employer Contributions.

Part B. Employees Employed As of a Specified Date

Indicate whether or not you will allow an Employee employed as of a Specified Date listed in this section, who has not otherwise met the requirements of Part A above, to be considered to have met those requirements as of the Effective Date.

Part C. Entry Dates

Select one of the available options for when a participant may enter the plan.

Part D. Service Required for Eligibility Purposes

Select whether there will be Hours of Service required for determining eligibility.

INSTRUCTIONS FOR COMPLETING ADOPTION AGREEMENTSIMPLIFIED STANDARDIZED MONEY PURCHASE PENSION PLAN



3. CONTRIBUTIONS

Part B. Additional Conditions for Receiving Employer Money Purchase Pension Contributions

If you wish to require Participants who have terminated employment to work a certain number of hours (but not more than 500), or a certain number of months (but not more than six), to share in the Employer Money Purchase Pension Contribution, select Option 1. If you wish to specify more favorable conditions, such as no additional hours requirement for Participants who have terminatedemployment, select Option 2.

Part C. Benefit Accrual in the Case of Death or Disability Resulting from Qualified Military Service

Select whether you wish to allow individuals who are unable to be reemployed on account of death or disability while performing qualified military service to receive the benefit accrual provisions.

4. VESTING AND FORFEITURES

Part A. Vesting Schedule for Employer Money Purchase Pension Contributions

This vesting schedule will apply only to contributions made to the Plan which are Employer Money Purchase Pension Contributions. This vesting schedule determines how rapidly the Employer Money Purchase Pension Contributions in a Participant’s Individual Account become non-forfeitable. Select one vesting schedule for Employer Money Purchase Pension Contributions.

Part B. Service Required for Vesting Purposes

If you wish to have the hours of service method apply for vesting purposes select Option 1 and choose either (a) to identify the number of Hours of Service that shall be required to constitute a year of service for vesting purposes, or (b) to identify the number of Hours of Service that must be completed to avoid a Break in Vesting Service. For (a) this can be no more than 1,000 and for (b) this can be no more than 500.

Part C. Exclusion of Service for Vesting

Select whether you wish to place a restriction on years of vesting service prior to the employee attaining the age of 18 or prior to the current plan being maintained.

5. DISTRIBUTIONS AND LOANS

Part A. Form of Distribution

Choose whether or not you will allow Participants with a Vested Individual Account to request that the Vested portion of their Individual Account be paid to them in one or more of the following forms of payment: 1) in a lump sum, 2) in a partial payment, 3) in installment payments, or 4) applied to the purchase of an annuity contract. See section 5.02 of the Basic Plan Document for more information.

Part B. Loans

Check whether or not you will allow loans from the Plan to Participants.

6. DEFINITIONS

Part A. Method of Determining Service

Select the appropriate option for determining Service.

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Part A. Employer Money Purchase Pension Contributions – Allocation Formula

Select the allocation formula that will pertain to the Plan.

Option 1: Nonintegrated Formula — Check this option and enter the desired percent (not to exceed 25 percent) if you wish to have the contribution allocated to all Qualifying Participants based on their Compensation for the Plan Year.

Option 2: Integrated Formula — Check this option if the Plan is to be integrated. Generally, integration is a method of giving someParticipants in the Plan an extra contribution allocation. Because of the complexity of integration, you should consult your tax advisor on this option.

MONEY PURCHASE PLAN APPLICATION 0916-MPPAM-B64906

Part B. Normal Retirement Age

Select the appropriate option to designate Normal Retirement Age. If you enforce a mandatory retirement age, the Normal Retirement Age is the lesser of that mandatory age or the age specified in this section. If no age is specified, the Normal Retirement Age shall be age 59½.

Part C. Plan Year Means

Select the appropriate option to designate the time period for the Plan Year.

Part D. Predecessor Employer Service

If you maintain the plan of a predecessor employer, service for such predecessor employer shall be treated as service for the Employer. If you do not maintain the plan of a predecessor employer, Hours of Service for such predecessor employer will not be treated as service for the Employer unless you specify a reason.

7. MISCELLANEOUS

Part A. Life Insurance

Specify whether or not life insurance investments will be permitted under the Plan.

Part B. Participant Direction

Specify whether or not each Participant will have the responsibility for directing the investment(s) of all or part of their IndividualAccount. Select whether you intend to operate the plan in compliance with ERISA section 404(c). See Section 7.22(B) of the Basic Plan Document for more information.

8. TRUSTEE AND CUSTODIAN

Part A. Trustee

If an individual (e.g., the Employer, partners, or an appointed individual) will be acting as Individual Trustee(s), complete the remainder of Part A.

Part B. Custodian

This section has been pre-filled with E*TRADE Securities LLC as Custodian.

9. EMPLOYER SIGNATURE

Once you have completed and approved the Adoption Agreement, you, the Employer or one of your authorized representatives, must sign and date it and then retain it for your records.

It is your responsibility to coordinate the effective date of your plan with your signature date, and the operational implementation of the plan and/or its provisions to ensure that your plan is operated in compliance with all federal retirement law and other regulatory requirements. Consult with your tax or legal advisor regarding the date by which you must sign your plan documents.

Check the first box if you have attached Attachment A, Protected Benefits and Prior Plan Provisions. Select the second box if there are other attachment(s) and provide a description.

ATTACHMENT A: PROTECTED BENEFITS AND PRIOR PLAN PROVISIONS

Generally, Code Section 411(d)(6)provides that the accrued benefit of a participant may not be decreased by an amendment to the plan. Section 411(d)(6)(B) provides that a plan amendment that has the effect of eliminating or reducing an early retirement benefit or a retirement type subsidy, or eliminating an optional form of benefit is treated as impermissibly reducing accrued benefits. If this Plan document is being adopted to amend another plan that contains a protected benefit not provided for in this document, you must complete Attachment A, “Protected Benefit and Prior Plan Provisions,” describing such protected benefit which shall become part of the Plan. Consult your attorney and/or tax advisor for further information.



SIMPLIFIED MONEY PURCHASE PENSION PLANSTANDARDIZED ADOPTION AGREEMENT

Part A. New Plan Effective DateThis is the initial adoption of a money purchase pensionplan by the Adopting Employer.The Effective Date of this Plan is . (Must be on or after January 1, 2007.) .

NOTE: The Effective Date is usually the first day of the Plan Year in which this Adoption Agreement is signed and maynot be earlier than such date.

Part B. Existing Plan Amendment or Restatement DateThis is an amendment or restatement of an existing qualified plan.The Initial Plan Document was effective on .

The Effective Date of this amendment or restatement is . (Must be on or after January 1, 2007.)

NOTE: Specifying an amendment or restatement Effective Date as any day other than the first day of the Plan Year following the Plan Year in which this Adoption Agreement is signed may result in a reduction or elimination of accrued benefits, violating Code section 411(d)(6). Notwithstanding the foregoing, Effective Dates for certain items (e.g., PPA and other legislative and regulatory guidance) are governed by the terms specified in the Basic Plan Document.

This Plan is a frozen Plan effective on .

EMPLOYER INFORMATION

Name of Adopting Employer

Address

City

Adopting Employer's Federal Tax Identification Number

Trust Identification Number (if applicable)

(Specify a legal entity recognized under federal income tax laws.)

Adopting Employer's Tax Year End (specify month and day)

Name of Plan Plan Sequence Number Account Number

State Zip

Telephone

Sole Proprietorship Partnership C Corporation S Corporation LLCOther

Type of Business (select one)

SECTION ONE: EFFECTIVE DATES COMPLETE PART A OR B


Related Employers – If the Adopting Employer is part of a controlled group of corporations (as defined in Code section 414(b) as modified by Code section 415(h)), a group of commonly controlled trades or businesses (as defined in Code section 414(c) as modified by Code section 415(h)) or an affiliated service group (as defined in Code section 414(m)) of which the Adopting Employer is a part, or any other entity required to be aggregated with the Adopting Employer pursuant to Code section 414(o), then all Related Employers of the Adopting Employer will participate in this Plan.

If this Plan is a frozen Plan, no Employer Contributions may be made to the Plan with respect to Compensation earned on or after the Effective Date that the Plan is frozen. In addition, no additional contributions(e.g., rollover, transfer) may be accepted by the Plan on or after the date that the Plan is frozen. Depending on the facts and circumstances surrounding the freezing of the Plan, other Plan provisions may be affected(e.g., vesting, availability of loans.)



SECTION TWO: ELIGIBILITY COMPLETE PARTS A THROUGH D


Part A. Age and Eligibility Service

1. Age Requirement. An Employee will be eligible to become a Participant in the Plan for purposes of receiving anallocation of any Employer Money Purchase Pension Contributions, as applicable, made pursuant to Section Three ofthe Adoption Agreement, after attaining the following age (not more than 21).

NOTE: If no age is specified, there will be no age requirement.

2. Eligibility Service Requirement. An Employee will be eligible to become a Participant in the Plan for purposes ofreceiving an allocation of any Employer Money Purchase Pension Contributions, as applicable, made pursuant toSection Three of the Adoption Agreement (select one).

Option 1: No eligibility service required.Option 2: After completing consecutive Months of Eligibility Service (not more than 24) beginning on the

Option 3: After completing Years of Eligibility Service (Periods of Service, if applicable) (enter 0, 1, or 2).

NOTE: If no option is selected, Option 1 will apply. If more than one Year of Eligibility Service (Period of Service, if applicable) is selected in this Section Two, Part A, the immediate 100 percent vesting schedule in Section Four will automatically apply for Employer Money Purchase Pension Contributions.

Employee’s date of hire.

Part B. Employees Employed as of a Specified Date

Will an Employee listed below (other than an Employee who is part of an excluded class of Employees) and employed on (specify a month, day, and year) who has not otherwise met the age and eligibility service

requirements be considered to have met those requirements and be eligible to become a Participant in the Plan for purposes of receiving an allocation of any Employer Money Purchase Pension Contributions, as applicable, the Adoption Agreement (select one)?

Option 1: Yes. Employees subject to the waiver (define classifications and prior employers):

Option 2: Not applicable.

NOTE: If no option is selected, Option 2 will apply. If Option 1 is selected but no date is specified, no additional age and eligibility service waivers will apply. If Option 1 is selected but no Employees are specified, all Employees employed on the specified date will be subject to the waiver. This age and eligibility service waiver may be used either when this Plan is adopted or when the Plan is subsequently amended (e.g., to add a previously excluded group of Employees).

NOTE: If no option is selected, Option 4 will apply. Option 5 or Option 6 can be selected only if the eligibility requirements and Entry Dates are coordinated such that each Employee will become a Participant in the Plan by the earlier of 1) the first day of the Plan Year beginning after the date the Employee satisfies the age and eligibility service requirements of Code section 410(a) and ERISA section 202, or 2) six months after the date the Employee satisfies such requirements.

Option 1: Immediately upon meeting age and eligibility service – The day the age and eligibility service requirements in Section Two, Part A, are satisfied.

Option 5: Annually – The first day of the Plan Year. (Refer to the “NOTE” at the end of this Part C for restrictions that may apply.)

Option 2: Monthly – The first day of each month of the Plan Year.

Option 4: Semi-Annually – The first day of the Plan Year and the first day of the seventh month of the Plan Year.

Option 3: Quarterly – The first day of the Plan Year and the first day of the fourth, seventh, and tenth months of the Plan Year.

Option 6: Other. (Define Entry Date(s).) (Refer to the “NOTE” at the end of this Part C for restrictions that may apply.)

The Entry Dates for purposes of Employer Money Purchase Pension Contributions will be (select one):

Part C. Entry Dates



Part D. Service Required for Eligibility Purposes (Select one.)

Option 1: The Hours of Service method of determining service applies. (May only be selected if one or two Years of Eligibility Service or a fractional year service with hours is required in Part A above.) (Complete the following.)

(a) Hours of Service (not more than 1,000) will be required to constitute a Year of Eligibility Service.

(b) Hours of Service (not more than 500 and less than the number specified in Option 1(a),above) must be exceeded to avoid a Break in Eligibility Service.

Option 2: Not applicable. Either (1) the Plan has either a fractional year service requirement with no hours or no service requirement to participate in the Plan or (2) the Elapsed Time method of determining service applies.

NOTE: If no option is selected and the Hours of Service method of determining service applies or if Option 1 is selected and no hours are specified, 1,000 and 500 will apply for (a) and (b), respectively.

NOTE: If no option is selected, Option 1 will apply.


NOTE: If no option is selected, Option 1 will apply. If Option 1 applies and no hours or months are specified, a 500 Hours of Service requirement will apply if the Hours of Service method of determining service applies and a six months of service requirement will apply if the Elapsed Time method of determining service applies.

Suboption (a): The Taxable Wage Base.

Suboption (b): percent (not more than 100) of the Taxable Wage Base.

Service Requirement. The Participant completes at least (complete one):(not more than 500) Hours of Service during the Plan Year, if the Hours of Service

method of determining service applies; or (not more than six) months of service if the Elapsed Time method of determining service applies.

SECTION THREE: CONTRIBUTIONS COMPLETE PARTS A THROUGH C

Part A. Employer Money Purchase Pension Contributions – Allocation Formula

For each Plan Year Employer Money Purchase Pension Contributions will be allocated to the Individual Accounts of Qualifying Participants as follows (select one)::

Option 1:

Option 2:

Option 1:

Option 2:

Nonintegrated Formula. An amount equal to percent (not to exceed 25) of the Qualifying Participant’s Compensation for the Plan Year.

Integrated Formula. An amount equal to the sum of the amounts determined in Step 1 and 2:

NOTE: If no suboption is selected, Suboption (a) will apply.

Part B. Additional Conditions for Receiving Employer Money Purchase Pension Contributions

A Participant will be a Qualifying Participant and thus entitled to share in Employer Money Purchase Pension Contributions for any Plan Year if the Participant has satisfied all of the eligibility requirements described in Section Two of this Adoption Agreement on at least one day of such Plan Year and has not incurred a Termination of Employment. If the Participant has incurred a Termination of Employment during the Plan Year, the following additional condition(s) will apply (select one):

YesOption 1:

NoOption 2:

Part C. Benefit Accrual in the Case of Death or Disability Resulting from Qualified Military Service

Will the benefit accrual provisions under Code section 414(u)(9) apply to individuals who are unable to be reemployed on account of death or Disability while performing qualified military service as defined in Code section 414(u) (select one)?

No additional condition will apply.

Step 1: An amount equal to percent (the base contribution percentage) of the Participant’s Compensation for the Plan Year up to the integration level; plus

Step 2: An amount equal to percent (the excess contribution percentage, which is the base contribution percentage plus an additional percentage that cannot exceed the base contribution percentage by more than the lesser of: (1) the base contribution percentage, or (2) the money purchase maximum disparity rate as described in Plan Section 3.04(B)(2)) of such Participant’s Compensation for the Plan Year in excess of the integration level.

The integration level will be (select one):



SECTION FOUR: VESTING AND FORFEITURES COMPLETE PARTS A THROUGH C

Part A. Vesting Schedule for Employer Money Purchase Pension ContributionsA Participant will become Vested in the portion of their Individual Account derived from Employer Money Purchase Pension Contributions made pursuant to Section Three of the Adoption Agreement as follows.

VESTED PERCENTAGE

Money Purchase

Less than One 100% 0% 0%

1 100% 0% 0%

2 100% 0% 20%

3 100% 100% 40% 100%

4 100% 100% 60% 100%

5 100% 100% 80% 100%

6 100% 100% 100% 100% 100%

NOTE: If no option is selected as of the first date on which such contributions may be made to the Plan, Option 1 will apply. A Participant with accrued benefits derived from Employer Money Purchase Pension Contributions who has not completed at least one Hour of Service under the Plan in a Plan Year beginning after December 31, 2006, will be subject to the vesting schedule in effect after January 1, 2007, unless otherwise selected by the Employer in an amendment adopting provisions of the Pension Protection Act of 2006 (PPA). In addition, all Employer Money Purchase Pension Contributions made to the Plan for Plan Years beginning before January 1, 2007, that were previously subject to a less favorable vesting schedule will be subject to the vesting schedule in effect after January 1, 2007, unless otherwise selected by the Employer in an amendment adopting provisions of PPA. Please list the pre-PPA vesting schedules, if applicable, on a Protected Benefits and Prior Plan Document Provisions Attachment.

YEARS OF VESTING SERVICE (PERIODS OF SERVICE,

IF APPLICABLE)

Option 5Option 2 Option 3 Option 4Option 1

%

% (not less than 20%)

%

%

%

%




(Complete if chosen) (Complete if chosen)

Part B. Service Required for Vesting Purposes (Select one.)

(a): Hours of Service (not more than 1,000) will be required to constitute a Year of Vesting Service.

(b): Hours of Service (not more than 500 but less than the number specified in Option 1(a), above) must be exceeded to avoid a Break in Vesting Service.

Option 1: The Hours of Service method of determining service applies. (Complete the following.)

NOTE: If no option is selected and the Hours of Service method of determining service applies or if Option 1 is selected and no hours are specified, 1,000 and 500 will apply for items (a) and (b), respectively.

Part C. Exclusion of Service for Vesting

Years of Vesting Service (Periods of Service, if applicable) before the Employee reaches age 18.

All of an Employee’s Years of Vesting Service (Periods of Service, if applicable) with the Employer are counted to determine the Vested percentage in the Participant’s Individual Account except (select all that apply):

Years of Vesting Service (Periods of Service, if applicable) before the Employer maintained this Plan or a predecessor plan.

Option 2: Not applicable. The Elapsed Time method of determining service applies.



SECTION FIVE: DISTRIBUTIONS AND LOANS COMPLETE PARTS A AND B

Part A. Form of Voluntary Distribution

1. Lump SumWill a Participant be entitled to request a payment of the Vested portion of their Individual Account in a lump sum,subject to Plan Section 5.02 (select one)?

Option 1: Yes.

Option 2: No.

NOTE: If no option is selected Option 1 will apply.

Part B. Loans

Will a Participant be entitled to request a loan pursuant to Plan Section 5.16 (select one)?

Option 1: Yes.

Option 2: No.


2. Partial PaymentsWill a Participant be entitled to request a non-recurring partial payment from the Vested portion of theirIndividual Account, subject to Plan Section 5.02 (select one)?

Option 1: Yes.

Option 2: No.

NOTE: If no option is selected Option 1 will apply. Partial payments may be made from the Plan either prior toTermination of Employment or to satisfy the requirements of Code section 401(a)(9) even if Option 2 applies.

NOTE: Option 1 must be selected for at least one of items 1 through 4. If this Plan is restating a Prior Plan Document, the forms of distribution under this Plan must generally be at least as favorable as under the Prior Plan Document

NOTE: Generally, Code section 411(d)(6) prohibits the elimination of protected benefits. Protected benefits include the timing of payout options. If the Plan is restating a Prior Plan Document that permitted a distribution option described above that involves the timing of a distribution, the selections must generally be at least as favorable as under the Prior Plan Document. Certain forms of distributions (e.g., redundant forms of distribution) may, however, be eliminated. Refer to Code section 411(d)(6) and the corresponding Treasury Regulation for details pertaining to the elimination of otherwise protected benefits.

3. Installment PaymentsWill a Participant be entitled to request a series of regularly scheduled recurring payments from the Vested portionof their Individual Account, subject to Plan Section 5.02 (select one)?

Option 1: Yes.

Option 2: No.


4. Annuity ContractsWill a Participant be entitled to apply the Vested portion of their Individual Account toward the purchase ofan annuity contract, subject to Plan Section 5.02 (select one)?

Option 1: Yes.

Option 2: No.




SECTION SIX: DEFINITIONS COMPLETE PARTS A THROUGH D

Part A. Method of Determining ServiceService will be determined on the basis of (select one):

Option 1:

Option 2:

Elapsed Time. An Employee will generally be credited for the aggregate of all time periods commencing with the Employee’s first day of employment and ending on the date a Break in Service begins.

Hours of Service. An Employee will be credited for Hours of Service determined on the basis of (select one):

NOTE: If no option is selected, Option 2 will apply. If Option 2 applies and no suboption is selected, Suboption (a) will apply.

Part B. Normal Retirement Age The Normal Retirement Age under the Plan will be (select and complete one):

Option 2: The later of age (not less than 55 and not to exceed 65 or such later age as may be allowed in Code section 411(a)(8)) or the (not to exceed fifth) anniversary of the first day of the first Plan Year in which the Participant commenced participation in the Plan.

Option 1: Age (not less than 55 and not to exceed 65 or such later age as may be allowed

NOTE: If no option is selected, Option 1 and age 62 will apply. The Plan must specify a Normal Retirement Age that meets the requirements of Treasury Regulation section 1.401(a)-1(b)(2), or the safe harbor of age 62 or greater. If a Normal Retirement Age of less than 62 is chosen, the Plan must apply under the IRS’ determination letter program in order to have reliance that the Plan’s Normal Retirement Age satisfies the requirements of Treasury Regulation section 1.401(a)-1(b)(2).

Suboption (a): Actual hours for which an Employee is paid or entitled to payment.

Suboption (b): Equivalency – days worked. An Employee will be credited with 10 Hours of Service if under the definition of Hours of Service such Employee would be credited with at least one Hour of Service during the day.

Suboption (c): Equivalency – weeks worked. An Employee will be credited with 45 Hours of Service if under the definition of Hours of Service such Employee would be credited with at least one Hour of Service during the week.

Suboption (d): Equivalency – semi-monthly payroll periods worked. An Employee will be credited with 95 Hours of Service if under the definition of Hours of Service such Employee would be credited with at least one Hour of Service during the semi-monthly payroll period.

Suboption (e): Equivalency – months worked. An Employee will be credited with 190 Hours of Service if under the definition of Hours of Service such Employee would be credited with at least one Hour of Service during the month.

If the initial Plan Year or any subsequent Plan Year is less than 12 months (a short Plan Year), specify such Plan Year’s beginning and ending dates.

Other 12-consecutive month period. (Specify a 12-consecutive month period selected in a uniform and Option 3:

Option 2:

Option 1:

Part C. Plan Year Means (Select one.)

The 12-consecutive month period which coincides with the Adopting Employer’s tax year.

The calendar year.


nondiscriminatory manner.)

in Code section 411(a)(8)).



Part D. Predecessor Employer Service

In addition to the service credited when an Employer maintains the plan of a predecessor employer, service with a predecessor employer will be credited for the following purposes where the Employer does not maintain the plan of a predecessor employer (select all that apply):

Allocation of Contributions.

Vesting.

Eligibility.

Name of Predecessor Employer(s):

If service with a predecessor is taken into account for one or more of the items listed above, specify any additional limitations on crediting service that apply (e.g., limitations by business classification, length of service):

SECTION SEVEN: MISCELLANEOUS COMPLETE PARTS A AND B

Life InsuranceWill life insurance investments be permitted under the Plan (

Will a Participant be responsible for directing any or all of the investment of their Plan assets pursuant toPlan Section 7.22(B) (select one)?

select one):Option 1: Yes.Option 2: No.

Option 1: Yes.Option 2: No.


Part A.

Part B. Participant Direction

1. Authorization

NOTE: If no option is selected, Option 1 will apply. Complete the remainder of Part B only if Option 1 is selected.

Does the Adopting Employer intend to operate this Plan in compliance with the requirements pertaining to Participantdirection of investment in ERISA section 404(c) as set forth in Plan Section 7.22(B) (select one)?

Option 1: Yes.Option 2: No.

2. ERISA 404(c) Compliance


SECTION EIGHT: TRUSTEE AND CUSTODIAN COMPLETE PARTS A AND B (AS APPLICABLE)

Part A. Trustee

1. Trustee Appointment

a. Trustee (Select one.)

Option 1: Financial Organization as Trustee.

Option 2: Individual Trustee.

Option 3: Not applicable, a Trustee is not required to be named for this Plan (select one).

Suboption (a): Plan assets are invested solely in annuity contracts or insurance policies provided by an Insurer.

Name of Insurer

Address

Telephone Title

Signature



Suboption (b): This Plan is exempt from the trust requirements under ERISA section 403 (e.g., the Plan covers one or more self-employed individuals as defined in Code section 401(c)(1)).

NOTE: If Suboption (b) is selected, a Custodian must be named in Part B below.

b. Type of Trustee

Option 1: Directed Trustee.

Will the Trustee of this Plan be a Directed or Discretionary Trustee (select one)?

Option 2: Discretionary Trustee.

Option 3: Not applicable, Option 3 was selected in Part 1(a) above.

c. Trustee Signature

NOTE: If you are an individual Trustee and no Limited Trustee is named in Part A, item 3 below you will alsobe deemed to be a Limited Trustee.

Name of Trustee

Address

Telephone

Signature

TitleName(type or print name if different from name of Trustee above)

2. Trust Agreement

If a Trustee is designated in Part A, item 1 above, which trust agreement will apply to the Plan (select one)?

NOTE: If no option is selected, Option 1 will apply. If Option 2 is selected, the attached trust agreement must be on file with the IRS for use by the Prototype Document Sponsor listed in Section Nine below. If Option 2 is selected and a Limited Trustee is named below, the separate trust agreement will not replace Plan Section 8.09.

Option 1: Trust provisions contained in Plan Section Eight.

Option 2: Separate executed trust agreement attached hereto.

3. Limited Trustee

The Limited Trustee appointed solely for the purposes of ensuring the timely collection and deposit ofEmployer Contributions will be:

NOTE: A Trustee, including a Limited Trustee, must be an individual or corporation. A corporate Trustee must be a bank, trust company, broker, dealer, or clearing agency as defined in Labor Regulation section 2550.403(a)-1(b).

Option 1: The individual Trustee named above.

Option 2: The party named below.

Name of Limited Trustee

Address

Telephone

Signature

TitleName(type or print name if different from name of Limited Trustee above)

Part B. Custodian (Both a Custodian and Trustee may be appointed for the Plan. This Part B must be completed if the Plan is exempt from the Trustee requirements under ERISA section 403 and neither a Trustee nor an Insurer is appointed in Part A, item 1 above.)

1. Custodian AppointmentFinancial Organization

Address

TitleName (type or print)

Signature

E*TRADE Securities LLC

P.O. Box 484; Jersey City, NJ 07303-0484



2. Custodial Agreement

If a Custodian is designated in Part B, item 1 above, which custodial agreement will apply to the Plan (select one)?

NOTE: If no option is selected, Option 1 will apply. If Option 2 is selected and the separate custodial agreement is being used in place of a trust agreement under Code section 401(f), the attached custodial agreement must be on file with the IRS for use by the Prototype Document Sponsor listed in Section Nine below.

Option 1: Custodial provisions contained in Plan Section Eight.

Option 2: Separate executed custodial agreement attached hereto.

Signature of Adopting Employer

TitleType Name

SECTION NINE: EMPLOYER SIGNATURE

Prototype Document Sponsor

Name of Prototype Document Sponsor

Address

Telephone

Check the applicable box if there is an attachment(s) that applies to this Plan other than a separate trust or custodial agreement.

Protected Benefits and Prior Plan Document Provisions Attachment.

Other Plan Information Attachment. (If this box is checked, please describe the attachment(s).)

Authorized Employer Signature

I am an authorized representative of the Adopting Employer named above and I state the following:

I acknowledge that I have relied upon my own advisors regarding the completion of this Adoption Agreement and the legal tax implications of adopting this Plan;I understand that my failure to properly complete this Adoption Agreement may result in disqualification of the Plan;I understand that the Prototype Document Sponsor will inform me of any amendments made to the Plan and will notify me should it discontinue or abandon the Plan; andI have received a copy of this Adoption Agreement, the corresponding Basic Plan Document and, if applicable, any separatetrust or custodial agreement used in lieu of the trust or custodial agreement contained in the Basic Plan Document.

Date Signed

1.

2.3.

4.

NOTE: The Adopting Employer may rely on an opinion letter issued by the Internal Revenue Service as evidence that the Plan is qualified under Code section 401 except to the extent provided in Revenue Procedure 2011-49. An Employer who has ever maintained or who later adopts any plan (including a welfare benefit fund, as defined in Code section 419(e), which provides post-retirement medical benefits allocated to separate accounts for key employees, as defined in Code section 419A(d)(3), or an individual medical account, as defined in Code section 415(l)(2) in addition to this Plan may not rely on the opinion letter issued by the Internal Revenue Service with respect to the requirements of Code sections 415 and 416.

If the Employer who adopts or maintains multiple plans wishes to obtain reliance with respect to the requirements of Code sections 415 and 416, application for a determination letter must be made to Employee Plans Determinations of the Internal Revenue Service. The Employer may not rely on the opinion letter in certain other circumstances, which are specified in the opinion letter issued with respect to the Plan or in Revenue Procedure 2011-49. This Adoption Agreement may be used only in conjunction with Basic Plan Document #03.

ü

E*TRADE Securities LLC

P.O. Box 484; Jersey City, NJ 07303-0484

1-800-387-2331



Source of Provision (e.g., plan name and sequence number, good faith amendment):

PROTECTED BENEFITS AND PRIOR PLAN DOCUMENT PROVISIONS

This attachment may be used by an Adopting Employer to document protected benefits and other Prior Plan Document provisions that apply to some or all of the assets of the Adopting Employer’s Plan.

ADOPTING EMPLOYER PLAN INFORMATION

Provision 1:


Provision 2:


Provision 3:

PROTECTED BENEFITS AND PRIOR PLAN DOCUMENT PROVISIONS ATTACHMENT


Name of Plan

Plan Sequence Number Trust Identification Number (if applicable) Account Number



OTHER PLAN INFORMATION

This attachment may be used by the Plan to specify additional information to be included in the Plan’s Adoption Agreement (e.g., to provide more information than can be included on an “other” selection line).

ADOPTING EMPLOYER PLAN INFORMATION

OTHER PLAN INFORMATION ATTACHMENT


Name of Plan

Plan Sequence Number Trust Identification Number (if applicable) Account Number


September 2016

FACTS WHAT DOES E*TRADE DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: n Social Security number and income n account balances and transaction history n assets and credit history

When you are no longer our customer, we may continue to share your information as described in this notice.

How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons E*TRADE chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does E*TRADE share?

Can you limit this sharing?

For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes No

For our marketing purposes — to offer our products and services to you Yes No

For joint marketing with other financial companies — for loan portfolio accounts in order to provide loan refinance options Yes

No for non-California

residentsYes

for California residents

For joint marketing with other financial companies — for accounts other than loan portfolio accounts, such as brokerage and bank accounts

No We do not share

For our affiliates’ everyday business purposes — information about your transactions and experiences Yes No

For our affiliates’ everyday business purposes — information about your creditworthiness No We do not share

For our affiliates to market to you Yes Yes

For non-affiliates to market to you No We do not share

To limit our sharing

• Call 1-800-ETRADE-1 - one of our representatives will assist you.Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we may continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions? Call 1-800-ETRADE-1

PRIVACY NOTICE

Page 2

Who we are

Who is providing this notice? E*TRADE Financial Corporation and its affiliates listed below.

What we do

How does E*TRADEprotect my personal information?

We use reasonable safeguards to protect your personal information, including placing account information on a secure part of our site and using firewalls and other technologies to protect our network.

How does E*TRADEcollect my personal information?

We collect your personal information, for example, when you n open an account or tell us about your investment or retirement portfolion direct us to buy or sell securities on your behalfnmake deposits or withdrawals from your account

We also collect your personal information from other companies such as credit bureaus and affiliates.

Why can’t I limit all sharing? Federal law gives you the right to limit onlyn sharing for affiliates’ everyday business purposes — information about your

creditworthinessn affiliates from using your information to market to youn sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account — unless you tell us otherwise.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.n For purposes of this notice, our affiliates include companies with the

E*TRADE name including E*TRADE Securities LLC, E*TRADE Capital Management, LLC, E*TRADE Insurance Services, Inc., E*TRADE Financial Corporate Services, Inc., E*TRADE Bank, and E*TRADE Savings Bank.

Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. n E*TRADE does not share your personal information with non-affiliates for

their marketing purposes.

JointMarketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you. n E*TRADE may jointly market with other financial companies that offer

financing and related products and services.

Other important information

CALIFORNIA RESIDENTS: We do not share your personal information unless applicable law (1) permits us to do so without first obtaining your prior consent, or (2) we first provide you an opportunity to limit this sharing. California residents may limit the sharing of their personal information with other financial companies for joint marketing purposes. E*TRADE shares information about its loan portfolio customers with other financial companies in order to provide loan refinance options, but does not share the information of brokerage or bank customers in this manner. If you are a California resident and a loan portfolio customer who wishes to opt-out of such sharing, please call us at 1-800-ETRADE-1.

NEVADA RESIDENTS: Nevada law requires us to disclose that you may elect to be placed on our internal do-not-call list by calling us at 1-800-ETRADE-1. For further information, contact the Nevada Attorney General’s office at 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; by phone at 702-486-3132; or by email at [email protected].

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