Common use of Investment Credits and Debits Clause in Contracts

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section 3.3. Participants shall have the right to specify one or more Benefit Benchmarks in which their Compensation Deferrals, Matching Credits and Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit Benchmarks. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks available within the Plan may be revised. All Benefit Benchmark selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Matching Credits and/or Discretionary Credits are deemed to be invested among the various Benefit Benchmarks within the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- direct the manner in which earlier Compensation Deferrals, Matching Credits and/or Discretionary Credits, as well as any appreciation (or depreciation) to-date, are deemed to be invested among the Benefit Benchmarks available in the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s Account equal to the actual results of the Participant’s deemed Benefit Benchmark elections. All notional acquisitions and dispositions of Benefit Benchmarks which occur within a Participant’s Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion and the Participant’s Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s Account following a Plan Termination or a Change in Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination or the Change in Control Event. Notwithstanding the Participant’s deemed Benefit Benchmark elections under the Plan, the Plan Sponsor shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark elections shall be used solely to determine the amounts by which the Participant’s Account shall be adjusted under this Article III.

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section 3.3. Participants shall have the right to specify one or more Benefit Benchmarks Investment Preferences in which their Compensation Deferrals, Matching Credits and Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks Investment Preferences shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit BenchmarksInvestment Preferences. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks Investment Preferences available within the Plan may be revised. All Benefit Benchmark Investment Preference selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Matching Credits and/or Discretionary Credits are deemed to be invested among the various Benefit Benchmarks Investment Preferences within the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- re-direct the manner in which earlier Compensation Deferrals, Matching Credits and/or Discretionary Credits, as well as any appreciation (or depreciation) to-date, are deemed to be invested among the Benefit Benchmarks Investment Preferences available in the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s Account equal to the actual results of the Participant’s deemed Benefit Benchmark Investment Preference elections. All notional acquisitions and dispositions of Benefit Benchmarks Investment Preferences which occur within a Participant’s Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion and the Participant’s Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s Account following a Plan Termination or a Change in Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination or the Change in Control Event. Notwithstanding the Participant’s deemed Benefit Benchmark Investment Preference elections under the Plan, the Plan Sponsor Service Recipient shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark Investment Preference elections shall be used solely to determine the amounts by which the Participant’s Account shall be adjusted under this Article IIISection 3.3.

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section Paragraph 3.3. Participants shall have the right to specify one or more Benefit Benchmarks Investment Preferences in which their Compensation Deferrals, Employer Matching Credits and Employer Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks Investment Preferences shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit BenchmarksInvestment Preferences. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks Investment Preferences available within the Plan may be revised. All Benefit Benchmark Investment Preference selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Employer Matching Credits and/or Employer Discretionary Credits are deemed to be invested among the various Benefit Benchmarks Investment Preferences within the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- re-direct the manner in which earlier Compensation Deferrals, Employer Matching Credits and/or Employer Discretionary Credits, as well as any appreciation (or depreciation) to-date, are deemed to be invested among the Benefit Benchmarks Investment Preferences available in the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s 's Account equal to the actual results of the Participant’s 's deemed Benefit Benchmark Investment Preference elections. All notional acquisitions and dispositions of Benefit Benchmarks Investment Preferences which occur within a Participant’s 's Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion and the Participant’s 's Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s 's Account following a Plan Termination or a Change in of Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination or the Change in Control Eventof Control. Notwithstanding the Participant’s 's deemed Benefit Benchmark Investment Preference elections under the Plan, the Plan Sponsor Employer shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark Investment Preference elections shall be used solely to determine the amounts by which the Participant’s 's Account shall be adjusted under this Article IIIParagraph 3.3.

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section Paragraph 3.3. Participants shall have the right to specify one or more Benefit Benchmarks Investment Preferences in which their Compensation Deferrals, Employer Matching Credits and Employer Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks Investment Preferences shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit BenchmarksInvestment Preferences. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks Investment Preferences available within the Plan may be revised. All Benefit Benchmark Investment Preference selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Employer Matching Credits and/or Employer Discretionary Credits are deemed to be invested among the various Benefit Benchmarks Investment Preferences within the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- re-direct the manner in which earlier Compensation Deferrals, Employer Matching Credits and/or Employer Discretionary Credits, as well as any appreciation (or depreciation) to-date, are deemed to be invested among the Benefit Benchmarks Investment Preferences available in the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s Account equal to the actual results of the Participant’s deemed Benefit Benchmark Investment Preference elections. All notional acquisitions and dispositions of Benefit Benchmarks Investment Preferences which occur within a Participant’s Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion and the Participant’s Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s Account following a Plan Termination or a Change in of Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination or the Change in Control Eventof Control. Notwithstanding the Participant’s deemed Benefit Benchmark Investment Preference elections under the Plan, the Plan Sponsor Employer shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark Investment Preference elections shall be used solely to determine the amounts by which the Participant’s Account shall be adjusted under this Article IIIParagraph 3.3.

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section 3.3. Participants shall have the right to specify one or more Benefit Benchmarks in which their Compensation Deferrals, Matching Credits and Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit Benchmarks. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks available within the Plan may be revised. All Benefit Benchmark selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Matching Credits and/or Discretionary Credits are deemed to be invested among the various Benefit Benchmarks within available under the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- re-direct the manner in which earlier Compensation Deferrals, Matching Credits and/or Discretionary Credits, as well as any appreciation (or depreciation) to-date), are deemed to be invested among the Benefit Benchmarks available in under the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) Accounts of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s Account equal to the actual results of the Participant’s deemed Benefit Benchmark elections. All notional acquisitions and dispositions of Benefit Benchmarks which occur within a Participant’s Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion discretion, and the Participant’s Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s Account following a Plan Termination termination or a Change in Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination termination or the Change in Control Event. Notwithstanding the Participant’s deemed Benefit Benchmark elections under the Plan, the Plan Sponsor shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark elections shall be used solely to determine the amounts by which the Participant’s Account shall be adjusted under this Article III.

Investment Credits and Debits. The Accounts (or, if applicable, Class Year Accounts) of Participants shall be adjusted for Investment Credits and Debits in accordance with this Section 3.3. Participants shall have the right to specify one or more Benefit Benchmarks in which their Compensation Deferrals, Matching Credits and Discretionary Credits shall be deemed to be invested. The Benefit Benchmarks shall be utilized solely for purposes of adjusting their Accounts (or, if applicable, Class Year Accounts) in accordance with procedures adopted by the Plan Administrator. The Plan Administrator shall provide the Participant with a list of the available Benefit Benchmarks. From time to time, in the sole discretion of the Plan Administrator, the Benefit Benchmarks available within the Plan may be revised. All Benefit Benchmark selections must be denominated in whole percentages unless the Plan Administrator determines that lower increments are acceptable. A Participant may make changes in the manner in which future Compensation Deferrals, Matching Credits and/or Discretionary Credits are deemed to be invested among the various Benefit Benchmarks within the Plan in accordance with procedures established by the Plan Administrator. A Participant may re- re-direct the manner in which earlier Compensation Deferrals, Matching Credits and/or Discretionary Credits, as well as any appreciation (or depreciation) to-date, are deemed to be invested among the Benefit Benchmarks available in the Plan in accordance with procedures established by the Plan Administrator. As of each Valuation Date, the Plan Administrator shall adjust the Account (or, if applicable, Class Year Accounts) of each Participant for interest, earnings or appreciation (less losses and depreciation) with respect to the then balance of the Participant’s Account equal to the actual results of the Participant’s deemed Benefit Benchmark elections. All notional acquisitions and dispositions of Benefit Benchmarks which occur within a Participant’s Account, pursuant to the terms of the Plan, shall be deemed to occur at such times as the Plan Administrator shall determine to be administratively feasible in its sole discretion and the Participant’s Account shall be adjusted accordingly. Accordingly, if a distribution or reallocation must occur pursuant to the terms of the Plan and all or some portion of the Account must be valued in connection with such distribution or reallocation (to reflect Investment Credits and Debits), the Plan Administrator may in its sole discretion, unless otherwise provided for in the Plan, select a date or dates which shall be used for valuation purposes. Notwithstanding anything to the contrary, any Investment Credits or Debits made to any Participant’s Account following a Plan Termination or a Change in Control Event shall be made in a manner no less favorable to Participants than the practices and procedures employed under the Plan, or as otherwise in effect, as of the date of the Plan Termination or the Change in Control Event. Notwithstanding the Participant’s deemed Benefit Benchmark elections under the Plan, the Plan Sponsor shall be under no obligation to actually invest any amounts in such manner, or in any manner, and such Benefit Benchmark elections shall be used solely to determine the amounts by which the Participant’s Account shall be adjusted under this Article III.