Common use of Elective Deferral, QMAC Clause in Contracts

Elective Deferral, QMAC. QNEC Accounts and ADP Safe Harbor Contribution Accounts. A Participant who has reached Age 591/2 (at least 591/2) can withdraw all or a portion of his or her: (check all that apply) þ Elective Deferral Account o Qualified Matching Contribution Account o Qualified Non-Elective Contribution Account þ ADP Safe Harbor Contribution Account

Elective Deferral, QMAC. QNEC Accounts and ADP Safe Harbor Contribution Accounts. A Participant who has reached Age 591/2 59.5 (at least 591/259 1/2) can withdraw all or a portion of his or her: (check all that apply) þ x Elective Deferral Account o x Qualified Matching Contribution Account o x Qualified Non-Elective Contribution Account þ ¨ ADP Safe Harbor Contribution Account

Elective Deferral, QMAC. QNEC Accounts and ADP Safe Harbor Contribution Accounts. A Participant who has reached Age 591/2 59½ (at least 591/259½) can withdraw all or a portion of his or her: (check all that apply) þ x Elective Deferral Account o x Qualified Matching Contribution Account o x Qualified Non-Elective Contribution Account þ ¨ ADP Safe Harbor Contribution Account

Elective Deferral, QMAC. QNEC Accounts and ADP Safe Harbor Contribution Accounts. A Participant who has reached Age 591/2 (at least 591/2) can withdraw all or a portion of his or her: (check all that apply) þ x Elective Deferral Account o x Qualified Matching Contribution Account o x Qualified Non-Elective Contribution Account þ o ADP Safe Harbor Contribution Account