Employee Stock Ownership Program (ESOP)
and Profit Sharing

We take pride in the Company we are and want nothing more than to share our success with you.

Discretionary ESOP contributions and/or discretionary Profit Sharing contributions may be paid in cash or allocated in shares of Company stock. Allocated shares of Company stock provide you with the opportunity to have ownership in the Company.

After satisfying the Plan eligibility requirements, you will be able to share in any discretionary ESOP and Profit Sharing contributions, but only if you are employed by the Company on the last day of the Plan Year (December 31).

This benefit is provided and paid for by the Company. You do not have to make pre-tax or Roth contributions to share in any discretionary ESOP
and Profit Sharing contributions for any Plan Year. These discretionary contributions are 100% vested.

Discretionary Profit Sharing and ESOP contributions are approved by the Board of Directors. The Board’s annual decision to make discretionary Profit Sharing and ESOP contributions is based on the profitability of the Company.