ADOPTION AGREEMENT #001 NON-STANDARDIZED 401(K)/PROFIT SHARING PLANAdoption Agreement • January 27th, 2011 • Heritage Financial Group Inc • Savings institution, federally chartered
NOTE: If C.1a.i is not selected (the Plan is a 401(k) safe harbor plan) and if C.1b.i is selected (Plan is intended to satisfy the ACP safe harbor), then the current year must be used for those Plan Years during which the Plan is subject to the 401(k) safe harbor requirements.
