Common use of AMENDMENT BY EMPLOYER Clause in Contracts

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by Master Plan Sponsor................................... 13.02 13.04 Discontinuance..................................................... 13.02 13.05 Full Vesting on Termination........................................ 13.02 13.06 Merger/Direct Transfer............................................. 13.02 13.07 Termination........................................................ 13.03 ARTICLE XIV, CODE (S)401(k) and (S)401(m) ARRANGEMENTS 14.01 Application........................................................ 14.01 14.02 Code (S)401(k) Arrangement......................................... 14.01 14.03 Definitions........................................................ 14.01 14.04 Matching Contributions/Employee Contributions...................... 14.03 14.05 Time of Payment of Contributions................................... 14.03 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. 14.04 14.07 Annual Elective Deferral Limitation................................ 14.05 14.08 Actual Deferral Percentage ("ADP") Test............................ 14.06 14.09 Nondiscrimination Rules for Employer Matching Contributions/Participant Nondeductible Contributions.............. 14.08 14.10

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by Master By Regional Prototype Plan Sponsor................................... ............................. 13.02 13.04 Discontinuance..................................................... ........................................................... 13.02 13.05 Full Vesting on On Termination........................................ .............................................. 13.02 13.06 Merger/Direct Transfer............................................. ....................................................13.02 13.07 Termination........................................................ .............................................................. 13.03 ARTICLE XIV, CODE (S)401(kSECTION 401(K) and (S)401(mAND CODE SECTION 401(M) ARRANGEMENTS 14.01 Application........................................................ .............................................................. 14.01 14.02 Code (S)401(kCodeSection 401(k) Arrangement......................................... ........................................... 14.01 14.03 Definitions........................................................ 14.01 .............................................................. 14.02 14.04 Matching Contributions/Contributions/ Employee Contributions...................... 14.03 ........................... 14.04 14.05 Time of Payment of Contributions................................... 14.03 ........................................ 14.04 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. ................... 14.04 14.07 Annual Elective Deferral Limitation................................ 14.05 ...................................... 14.06 14.08 Actual Deferral Percentage ("ADP") Test............................ 14.06 .................................. 14.07 14.09 Nondiscrimination Rules for Employer Matching Contributions/Participant Contributions /Participant Nondeductible Contributions.............. 14.08 ................................. 14.09 14.10

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by Master By Regional Prototype Plan Sponsor................................... ................ 13.02 13.04 Discontinuance..................................................... .............................................. 13.02 13.05 Full Vesting on On Termination........................................ ................................. 13.02 13.06 Merger/Direct Transfer............................................. ...................................... 13.02 13.07 Termination........................................................ ................................................. 13.03 ARTICLE XIV, CODE (S)401(kS)401(K) and AND CODE (S)401(mS)401(M) ARRANGEMENTS 14.01 Application........................................................ ................................................. 14.01 14.02 Code (S)401(k) Arrangement......................................... .................................. 14.01 14.03 Definitions........................................................ 14.01 ................................................. 14.02 14.04 Matching Contributions/Employee Contributions...................... 14.03 ............... 14.04 14.05 Time of Payment of Contributions................................... 14.03 ............................ 14.04 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. ............................................... 14.04 14.07 Annual Elective Deferral Limitation................................ 14.05 ......................... 14.06 14.08 Actual Deferral Percentage ("ADP") Test............................ 14.06 ..................... 14.07 14.09 Nondiscrimination Rules for Employer Matching Contributions/Participant Nondeductible Contributions.............. 14.08 ....... 14.09 14.10

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by Master By Regional Prototype Plan Sponsor................................... Sponsor ............................... 13.02 13.04 Discontinuance..................................................... Discontinuance ............................................................. 13.02 13.05 Full Vesting on Termination........................................ Termination ................................................ 13.02 13.06 Merger/Direct Transfer............................................. Transfer ..................................................... 13.02 13.07 Termination........................................................ Termination ................................................................ 13.03 ARTICLE XIV, CODE (S)401(k) and AND CODE (S)401(m) ARRANGEMENTS 14.01 Application........................................................ Application ................................................................ 14.01 14.02 Code (S)401(kS) Arrangement......................................... 401(k) Arrangement ................................................ 14.01 14.03 Definitions........................................................ 14.01 Definitions ................................................................ 14.02 14.04 Matching Contributions/Employee Contributions...................... Contributions .............................. 14.03 14.05 Time of Payment of Contributions................................... Contributions ........................................... 14.03 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. Contributions ............. 14.04 14.07 Annual Elective Deferral Limitation................................ Limitation ........................................ 14.05 14.08 Actual Deferral Percentage ("ADP") Test............................ 14.06 14.09 Nondiscrimination Rules for Employer Matching Contributions/Participant Nondeductible Contributions.............. 14.08 14.10Test .................................... 14.06

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by By Master Plan Sponsor................................... .................. 13.02 13.04 Discontinuance..................................................... .................................... 13.02 13.05 Full Vesting on Termination........................................ ....................... 13.02 13.06 Merger/Direct Transfer............................................. ............................ 13.02 13.07 Termination........................................................ ....................................... 13.03 ARTICLE XIV, CODE (S)401(k) and (S)401(m) ARRANGEMENTS 14.01 Application........................................................ ....................................... 14.01 14.02 Code (S)401(kS) 401(k) Arrangement......................................... ....................... 14.01 14.03 Definitions........................................................ 14.01 ....................................... 14.02 14.04 Matching Contributions/Employee Contributions...................... ..... 14.03 14.05 Time of Payment of Contributions................................... 14.03 .................. 14.04 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. ..................................... 14.04 14.07 Annual Elective Deferral Limitation................................ ............... 14.05 14.08 Actual Deferral Percentage ("ADP") Test............................ ........... 14.06 14.09 Nondiscrimination Rules for Employer Matching Contributions/Contributions and Participant Nondeductible Contributions.............. ..................................... 14.08 14.10

AMENDMENT BY EMPLOYER. 13.01 13.03 Amendment by Master Plan Sponsor................................... .............13.02 13.04 Discontinuance..................................................... ...............................13.02 13.05 Full Vesting on Termination........................................ ..................13.02 13.06 Merger/Direct Transfer............................................. .......................13.02 13.07 Termination........................................................ ..................................13.03 ARTICLE XIV, CODE (S)401(kSS.401(K) and (S)401(mAND CODE SS.401(M) ARRANGEMENTS 14.01 Application........................................................ ..................................14.01 14.02 Code (S)401(kss.401(k) Arrangement......................................... ....................14.01 14.03 Definitions........................................................ ..................................14.01 14.04 Matching Contributions/Contributions/ Employee Contributions...................... .......................14.03 14.05 Time of Payment of Contributions................................... ................................14.03 14.06 Special Allocation Provisions - Deferral Contributions, Matching Contributions and Qualified Nonelective Contributions.............. ....................14.04 14.07 Annual Elective Deferral Limitation................................ ...................................14.05 14.08 Actual Deferral Percentage ("ADP") Test............................ .................................14.06 14.09 Nondiscrimination Rules for Employer Matching Contributions/Participant Nondeductible Contributions.............. ..................14.08 14.10