PRUDENTIAL RETIREMENT INSURANCE AND ANNUITY COMPANY (3)

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Prudential Services Agreement Provided by Prudential Retirement Insurance and Annuity Company PLAN SPONSOR ELECTIONS (Eff. 10/1/2018) The Plan Sponsor has elected the following services, options or frequencies for administration of the Services noted. PRUDENTIAL'S E-DELIVERY PROGRAM AT THE WORKPLACE Yes ❑ No DISTRIBUTION TRANSACTION PROCESSING ®Fully automated transactions ❑Sponsor Approved transactions PARTICIPANT TRANSACTIONS via non -core initiation and approval methods. Transactions will be reviewed and approved based on the agreed upon criteria in the Administrative Procedures and the Plan Sponsor Elections above. Transaction Initiation Approval In -Service Withdrawals Pa erless Prudential Event Distributions (i.e. termination, retirement disability) Paperless Prudential Participant Loans Pa erless Prudential Qualified Domestic Relations Orders Paper only Prudential Distributions Due to Death Paper only Prudential AUTOMATIC ENROLLMENT INVOLUNTARY DISTRIBUTIONS LOAN RATE MONITORING — LOAN INTEREST RATES Per the Plan's loan policy Prudential will apply and monitor the interest rates noted below: General Purpose Loans: Prime + 2% Primary Residence Loans: Prime + 2% LOAN REPAYMENTS VIA AUTOMATED CLEARING HOUSE (ACH) Terminated Participants Plan Sponsor authorizes Prudential to establish loan repayments by Participants through the Automated Clearing House network through a separate agreement with, and instructions from, each applicable Plan Participant. ® Convert to ACH ❑ Convert to ACH or Coupon Note: For either active or terminated participants, loan conversion from Payroll Deduction or ACH to Coupon could result in a participant fee. See the Expense Schedule for more information. LEAVE OF ABSENCE - LOAN SUSPENSIONS AND REAMORTIZATIONS ® The Plan will allow the original term of the loan to be extended for the period of leave if the original loan term is less than five years.