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i 800-523-1188
vanguard.com/retirementplans
(Plan #: 092016)

401(k) Plan

Plymouth Rock Companies Savings and Investment Plan: The 401(k) Plan

To help you save for the future, the Company sponsors a 401(k) plan administered through Vanguard. You are eligible to
participate in this plan immediately upon your date of hire. You decide how much you want to contribute through both
deferral of salary and the Company’s contribution, the 401(k) Plan Bonus Award. You decide how to invest your account
balance by choosing from a broad range of Vanguard mutual funds.

Enrolling in the Plan
If you are a new employee you will be automatically enrolled in the Plan after 30 days.

• 3% of your pay will be automatically deducted and contributed to your Plan account on a pre-tax basis.
• Your automatic contributions will be invested in the Vanguard Institutional Target Retirement Fund with the
target date closest to the year in which you will reach age 65.

If you want to change your automatic enrollment, including the contribution percentage or the investment funds, or opt
out, contact Vangaurd within 30 days of your hire date.

Accessing your Account
To access your 401(k) account, visit vanguard.com/retirementplans. You will need the Plan number, 092016, to FINANCIAL WELL-BEING
complete the registration process. Once registered, you will be able to make changes at any time through the site. You
may also call Vanguard at 800-523-1188.

Plymouth Rock Contributions
Since 1986, Plymouth Rock has awarded a discretionary* 401(k) Plan bonus to all employees with at least one year
of service. Each April, Plymouth Rock deposits a contribution into your 401(k) account regardless of whether or not
you are contributing any portion of your paycheck. The 401(k) Plan bonus is based on your annual base salary as of
December 31st of the prior year. One half of this bonus is automatically deposited into your 401(k) Plan account. You
can choose to have the other half deposited into the 401(k) Plan or receive it as a cash payment net of taxes. If you
choose to have the second half of your bonus deposited into the 401(k) Plan, Plymouth Rock will match it.

Your first 401(k) bonus will be worth 4.5% of your base salary prorated based on the amount of time you worked
during your first year. You will not receive a matching contribution on your first 401(k) bonus.
All subsequent 401(k) bonuses will be worth 5% of your base salary as of December 31st. If you choose to deposit the
bonus into your 401(k) Plan account, Plymouth Rock will deposit an additional matching contribution of 2.5%.

That is a bonus worth 7.5% of your annual base salary contributed into your account!

*The Company presently intends to pay a bonus award under its 401(k) Plan to its eligible employee for each year in which it earns a profit. The 401(k) Plan bonus
award is set in March each year by the Company as a percentage of salary in the preceding year.

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