GPS 401k Plan Summary Plan Description

8/16/2019 GPS 401k Plan Summary Plan Description

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SUMMARY PLAN DESCRIPTION

Global Production Solutions, Inc. 401(k) Plan


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Global Production Solutions, Inc. !"#$% Plan

SUMMARY PLAN DESCRIPTION............................................................................................................................................"

I. &ASIC PLAN IN'ORMATION....................................................................................................................................(

II. PARTICIPATION............................................................................................................................................................

III. CONTRI&UTIONS.........................................................................................................................................................

I). IN)ESTMENTS..............................................................................................................................................................*

). )ESTING.........................................................................................................................................................................+

)I. IN SER)ICE IT-DRAALS AND LOANS............................................................................................................+

)II. DISTRI&UTION O' &ENE'ITS..................................................................................................................................

)III. MISCELLANEOUS IN'ORMATION......................................................................................................................."(

I/. INTERNAL RE)ENUE CODE TESTS....................................................................................................................."0

/. PARTICIPANT RIG-TS.............................................................................................................................................."0

/I. SER)ICES AND 'EES................................................................................................................................................."1

/II. LOAN PROCEDURES 'OR GLO&AL PRODUCTION SOLUTIONS, INC. !"#2% PLAN............................."*

Global Production Solutions, Inc. 401(k) Plan 11641


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Su33ar4 Plan D5scri6tion

Global Production Solutions, Inc. 401(k) Plan

The Global Production Solutions, Inc. 401(k) Plan (the “Plan”) o Global Production Solutions, Inc. has been a!ended as o

01"01"#01$ (the “%ecti&e 'ate”). This Plan is intended to be a ualiied retire!ent lan under the Internal *e&enue +ode.

The urose o the lan is to enable eliible %!lo-ees to sa&e or retire!ent. s /ell as retire!ent beneits, the lan ro&ides certain beneits in the e&ent o death, disabilit-, or other ter!ination o e!lo-!ent. The Plan is or the eclusi&e beneit o eliible %!lo-ees and their eneiciaries.

This booklet is called a Su!!ar- Plan 'escrition (“SP'”) and it contains a su!!ar- in understandable lanuae o -our rihts and beneits under the lan. I -ou ha&e diicult- understandin an- art o this SP', -ou should contact the Pland!inistrator identiied in the asic Plan Inor!ation section o this docu!ent durin nor!al business hours or assistance.

This SP' is a brie descrition o the rincial eatures o the lan docu!ent and trust aree!ent and is not !eant tointerret, etend or chane these ro&isions in an- /a-. co- o the lan docu!ent is on ile /ith the Plan d!inistrator and !a- be read b- an- e!lo-ee at an- reasonable ti!e. The lan docu!ent and trust aree!ent shall o&ern i there is adiscreanc- bet/een this SP' and the actual ro&isions o the lan.

This SP' is based on the ederal ta i!lications o -our articiation in the Plan, transactions !ade /ithin -our ccount,

and distributions -ou !a- recei&e ro! the lan. The state ta i!lications o -our articiation and these transactionsshould be deter!ined based on an ea!ination o aroriate state la/. Please consult /ith -our ta ad&isor i -ou ha&e an-uestions reardin state ta la/.

Global Production Solutions, Inc. 401(k) Plan 11641 1


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1 &ASIC PLAN IN'ORMATION

The inor!ation in this section contains deinitions to so!e o the ter!s that !a- be used in this SP' and eneral Planinor!ation. I the irst letter o an- o the ter!s deined belo/ is caitali2ed /hen it is used /ithin this SP', then itreresents the indicated deined ter!.

" Account

n ccount shall be established b- the Trustee to record contributions !ade on -our behal and an- related inco!e,eenses, ains or losses. It !a- also be reerred to as an ccount balance.

( &5n57iciar4

This is the erson or ersons (includin a trust) -ou desinate, or /ho are identiied b- the lan docu!ent i -ou ail todesinate or i!roerl- desinate, /ho /ill recei&e -our beneits in the e&ent o -our death. 3ou !a- desinate !ore thanone eneiciar-.

0 D575rral Contribution

This is a contribution taken directl- ro! the a- o an %!lo-ee and contributed to the Plan, subect to certain li!its(described belo/). The Plan er!its -ou to !ake both re5ta and certain ater5ta (*oth) 'eerral +ontribution a!ounts.

E36lo455

n %!lo-ee is an indi&idual /ho is e!lo-ed b- -our %!lo-er as a co!!on la/ e!lo-ee or, in certain cases, as a leasede!lo-ee and is not ter!inated.

8 E36lo45r

The na!e and address o -our %!lo-er is

Global Production Solutions, Inc.7$471 8ardest- *oadSha/nee, 9: ;4


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"" Plan T465

The Global Production Solutions, Inc. 401(k) Plan is a deined contribution lan. These t-es o lans are co!!onl-described b- the !ethod b- /hich contributions or articiants are !ade to the lan. The Global Production Solutions, Inc.401(k) Plan is a 401(k) deerral lan. Core inor!ation about the contributions !ade to the lan can be ound in Section III,+ontributions.

"( Plan Ad3inistrator

The Plan d!inistrator is resonsible or the ad!inistration o the Plan and its duties are identiied in the lan docu!ent.

In eneral, the Plan d!inistrator is resonsible or ro&idin -ou and -our eneiciaries /ith inor!ation about -our rihtsand beneits under the Plan. The na!e and address o the Plan d!inistrator is

Global Production Solutions, Inc.7$471 8ardest- *oadSha/nee, 9: ;4idelit- Canae!ent Trust +o!an-


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2 PARTICIPATION

" Eli:ibilit4 R5>uir535nts

3ou are eliible to articiate in the Plan i -ou are an %!lo-ee.

8o/e&er, -ou are not eliible to articiate i -ou are

• a resident o Puerto *ico

• Interns. 8o/e&er, i -ou are in the rou(s) listed belo/, -ou shall beco!e eliible to articiate in the lan on the

irst entr- date ater -ou ha&e reached ae #1 and ha&e co!leted at least 1,000 8ours o Ser&ice durin an%liibilit- +o!utation Period

• Interns.

3ou are also not eliible to articiate i -ou are an indi&idual /ho is a sinator- to a contract, letter o aree!ent, or other docu!ent that ackno/ledes -our status as an indeendent contractor not entitled to beneits under the Plan and -ou are notother/ise classiied b- the %!lo-er as a co!!on la/ e!lo-ee or the %!lo-er does not /ithhold inco!e taes, ile >or!A5# (or an- relace!ent or!), or re!it Social Securit- a-!ents to the >ederal o&ern!ent or -ou, e&en i -ou are later adudicated to be a co!!on la/ e!lo-ee.

3ou /ill beco!e eliible to articiate in the Plan accordin to the table belo/Contribution t465 A:5 R5>uir535nt S5r9ic5 R5>uir535nt Entr4 Dat5

ll Sources #1.00 #.00 !onth(s) >irst da- o each !onth

9nce -ou beco!e a Particiant -ou are eliible to articiate in the Plan until -ou ter!inate -our e!lo-!ent /ith -our %!lo-er or beco!e a !e!ber o a class o %!lo-ees ecluded ro! the Plan. I -ou ter!inate -our e!lo-!ent ater -ouha&e !et the eliibilit- reuire!ents, and are later re5e!lo-ed b- -our %!lo-er, -ou /ill aain be eliible to articiate inthe Plan /hen -ou co!lete one hour o ser&ice.

3 CONTRI&UTIONS

ter -ou satis- the articiation reuire!ents in Section II o this Su!!ar- Plan 'escrition, -ou /ill be eliible to !ake'eerral +ontributions. In addition, -our %!lo-er !a- !ake !atchin and nonelecti&e contributions to -our ccount. Thet-e(s) o contributions a&ailable under the Plan are described in this section.

" Co365nsation

+o!ensation !ust be deined to co!ute contributions under the Plan. >or uroses o deter!inin contributions, onl-+o!ensation aid to -ou or ser&ices -ou eror!ed /hile e!lo-ed as an %liible %!lo-ee shall be considered. %liibleco!ensation or co!utin contributions under the Plan is the taable co!ensation or a Plan 3ear reortable b- -our %!lo-er on -our I*S >or! A5#, ecludin rei!burse!ents or other eense allo/ances, rine beneits, !o&in eenses,deerred co!ensation, an- a-!ents !ade to an %!lo-ee eror!in Dualiied Cilitar- Ser&ice in lieu o /aes theindi&idual /ould ha&e recei&ed ro! the %!lo-er i the indi&idual /ere eror!in ser&ice or the %!lo-er, unused lea&e,and /elare beneits and includin salar- reduction contributions -ou !ade to an %!lo-er sonsored caeteria, ualiied

transortation rine, si!liied e!lo-ee ension, 401(k), 4$;(b) or 407(b) lan.

+o!ensation or -our irst -ear o eliible Plan articiation /ill be !easured onl- or that ortion o -our initial Plan 3ear that -ou are eliible. Ta la/s li!it the a!ount o co!ensation that !a- be taken into account each Plan 3ear the!ai!u! a!ount or the #01$ Plan 3ear is B#6$,000.

( Contributions

" R5:ular D575rral Contributions

3ou !a- elect to deer a ercentae o -our eliible co!ensation into the Plan ater -ou satis- the Plan=s eliibilit-reuire!ents. The ercentae o -our eliible co!ensation -ou elect /ill be /ithheld ro! each a-roll and contributed



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to an ccount in the Plan on -our behal. >or re5ta contributions bein /ithheld ro! -our co!ensation, the ercentae -ou deer is subect to an annual li!it o the lesser o 100.00H o eliible co!ensation or B1or ea!le, i -ou ha&e annual co!ensation o B70,000 and elect to !ake a *oth 'eerral +ontribution to the Planeual to $H o -our co!ensation, -our *oth 'eerral +ontribution to the Plan /ill eual B1,$00 ($H o B70,000). Theta /ithholdin alicable to the a!ount -ou ha&e elected to contribute to the Plan as a *oth 'eerral +ontribution /ill be alied aainst the re!ainder o -our co!ensation.

%cet /ith resect to the inco!e taation o *oth 'eerral +ontributions at contribution (described abo&e) and to thedistribution o a!ounts attributable to *oth 'eerral +ontributions (described belo/), *oth 'eerral +ontributions aresubect to the sa!e rules alicable to re5ta 'eerral +ontributions. >or ea!le, re5ta and *oth 'eerral+ontributions are added toether to deter!ine /hether -ou ha&e reached the >ederal ta la/ li!it on 'eerral+ontributions (B1ederalta la/ li!it on 'eerral +ontributions is -our ersonal li!it across all lans, and -ou should ro!tl- inor! -our Pland!inistrator o an- contributions -ou !ade outside o this Plan.

3our 'eerral +ontributions cannot be oreited or an- reason, ho/e&er, there are secial Internal *e&enue +ode rulesthat !ust be satisied and !a- reuire that so!e o -our contributions be returned to -ou. The Plan d!inistrator /illnoti- -ou i an- o -our contributions /ill be returned. 3ou !a- increase or decrease the a!ount -ou contribute as o theirst da- o each !onth. 3ou !a- also co!letel- susend -our contributions /hich -ou !a- resu!e as o the irst da-o the net !onth. I -ou /ant to increase, decrease, susend, or resu!e -our 'eerral +ontributions, -ou !ust call the>idelit- *etire!ent eneits ine at 15or uroses o deter!inin-our !atchin contributions under the Plan, -our +ontributions /ill not include e $0 and 9&er +atch5E+ontributions, ecet in unusual circu!stances /here other/ise reuired b- the sae harbor !atchin contributionsor!ula. %!lo-er !atchin contributions !ust be allocated to -our ccount in the Plan /ithin rescribed leal ti!e

li!its.

Non


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These contributions satis- certain Internal *e&enue +ode reuire!ents and eli!inate the need or the Plan to eror! certain non5discri!ination annual tests. 3ou /ill be 100H &ested in these contributions /hen !ade. Thesecontributions !a- be distributed under the sa!e circu!stances /hich allo/ -our 'eerral +ontributions to bedistributed (i.e., death, disabilit-, searation ro! ser&ice, ae $@J, and ter!ination o the lan /ithout theestablish!ent o a successor lan) but -ou !a- not reuest a hardshi /ithdra/al o these contributions. 3our %!lo-er /ill ro&ide /ritten notice to -ou describin -our rihts and obliations under the Plan enerall- 70 da-sto @0 da-s rior to the beinnin o Plan 3ears or /hich these contributions /ill be !ade. I -ou beco!e eliible to

articiate durin the Plan 3ear, the notice /ill be ro&ided no !ore than @0 da-s beore -ou beco!e eliible.8 Discr5tionar4 Non5l5cti95 Contributions

3our %!lo-er !a- !ake discretionar- nonelecti&e contributions in an a!ount to be deter!ined b- the oard o 'irectors or each Plan 3ear. 3ou !ust co!lete at least 1,000 hours o ser&ice durin the Plan 3ear and be e!lo-ed aso the last da- o the Plan 3ear to be eliible to recei&e an- nonelecti&e contributions that !a- be !ade or that Plan 3ear.3ou do not need to satis- this reuire!ent i -ou die (includin death /hile eror!in Dualiied Cilitar- Ser&ice), beco!e disabled or retire durin the Plan 3ear.

" P5rc5nta:5 o7 Co365nsation

'iscretionar- nonelecti&e contributions, i an-, !ade to the Plan b- -our %!lo-er /ill be allocated to -our ccountin the ratio that -our eliible co!ensation bears to the total eliible co!ensation aid to all eliible Particiants.

1 Ot;5r Contributions and Li3itations

" =uali7i5d Non5l5cti95 Contributions

3our %!lo-er !a- desinate all or a ortion o an- nonelecti&e contributions or a Plan 3ear as “ualiiednonelecti&e contributions” and allocate the! to certain ?on58ihl- +o!ensated %!lo-ees to hel the Plan assone or !ore annuall- reuired Internal *e&enue +ode non5discri!ination test(s). 3ou /ill be 100H &ested in thesecontributions and !a- not reuest a hardshi /ithdra/al o these contributions.

( Li3it on Contributions

>ederal la/ reuires that a!ounts contributed b- -ou and on -our behal b- -our %!lo-er or a i&en li!itation-ear enerall- !a- not eceed the lesser o

B$7,000 (or such a!ount as !a- be rescribed b- the Secretar- o the Treasur-) or

100.00H o -our annual co!ensation.The li!itation -ear or uroses o al-in the abo&e li!its is the t/el&e !onth eriod endin 1#"71.+ontributions under this Plan, alon /ith %!lo-er contributions under another %!lo-er5sonsored deinedcontribution lans, !a- not eceed the abo&e li!its. I this does occur, then ecess contributions in -our ccount!a- be oreited or reunded to -ou based on the ro&isions o the Plan docu!ent. 3ou /ill be notiied b- the Pland!inistrator i -ou ha&e an- ecess contributions. Inco!e ta conseuences !a- alon the a!ount o an-reund -ou recei&e.

* Rollo95r Contributions

3ou can roll o&er art or all o an eliible rollo&er distribution -ou recei&e ro! an eliible retire!ent lan into this Plane&en i -ou ha&e not -et satisied the ae and ser&ice %liibilit- reuire!ents described in Section II abo&e ho/e&er -ou/ill not beco!e a Particiant in the Plan until -ou ha&e !et the Plan=s eliibilit- and entr- date reuire!ents. n eliibleretire!ent lan is a ualiied lan under Section 401(a), a 407(a) annuit- lan, a 407(b) annuit- contract, an eliible

4$;(b) lan !aintained b- a o&ern!ental e!lo-er, and an indi&idual retire!ent ccount and indi&idual retire!entannuit-. n eliible rollo&er distribution includes an- distribution ro! an eliible retire!ent lan, ecet an-distribution ro! an indi&idual retire!ent ccount or an indi&idual retire!ent annuit- consistin o nondeductiblecontributions or an- distribution ro! a 407(b) annuit- contract consistin o ater5ta e!lo-ee contributions. Cakin*ollo&er +ontributions to the Plan that consist o assets other than ualiied 401(a) lan assets !a- result in the loss o a&orable caital ains or ten -ear inco!e a&erain ta treat!ent that !a- other/ise be a&ailable /ith resect to a lu!su! distribution to -ou ro! the Plan. The loss o this a&orable ta treat!ent !a- also occur i -ou !ake a *ollo&er +ontribution to the Plan that consists o ualiied 401(a) lan assets under certain circu!stances. I -ou !a- be eliibleor this secial ta treat!ent, -ou should consult -our ta ad&isor and careull- consider the i!act o !akin a *ollo&er +ontribution to the Plan.



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The Plan d!inistrator deter!ines /hich *ollo&er +ontributions are accetable and i an- *ollo&er +ontribution ails to!eet the reuire!ents o the Plan and !ust be distributed. I -our *ollo&er +ontribution to the Plan is not a directrollo&er (i.e., -ou recei&ed a cash distribution ro! -our eliible retire!ent lan), then it !ust be recei&ed b- the Trustee/ithin 60 da-s o -our receit o the distribution. *ollo&er +ontributions !a- onl- be !ade in the or! o cash, allo/ableund shares, or (i the Plan allo/s ne/ loans in accordance /ith the ter!s o this SP') ro!issor- notes ro! an eliibleretire!ent lan. 3our *ollo&er +ontributions ccount /ill be subect to the ter!s o this Plan and /ill al/a-s be ull-&ested and nonoreitable. In eneral, i -ou recei&e an eliible rollo&er distribution as a sur&i&in souse o a articiantor as a souse or or!er souse /ho is an “alternate a-ee” ursuant to a ualiied do!estic relations order (“D'*9”),

-ou !a- also !ake a *ollo&er +ontribution to the Plan.The Plan /ill accet direct *ollo&er +ontributions o a!ounts attributable to *oth 'eerral +ontributions that -ou !adeto another ualiied lan that acceted *oth 'eerral +ontributions and roerl- sereated the! ro! other contributions. The sa!e rules that al- to other direct *ollo&er +ontributions al- to direct *ollo&er +ontributions o a!ounts attributable to *oth 'eerral +ontributions, ecet or the inco!e ta treat!ent on distribution (described belo/).

4 IN)ESTMENTS

" In95st35nts

The %!lo-ee *etire!ent Inco!e Securit- ct o 1@;4 (%*IS) i!oses certain duties on the arties /ho are resonsibleor the oeration o the Plan. These arties, called iduciaries, ha&e a dut- to in&est Plan assets in a rudent !anner.

8o/e&er, an ecetion eists or lans that co!l- /ith %*IS Section 404(c) and er!it a Particiant to eercise controlo&er the assets in his"her ccount and choose ro! a broad rane o in&est!ent alternati&es. This Plan is intended to be aSection 404(c) lan. To the etent that -ou ha&e directed the in&est!ent o assets in -our ccount under the Plan, -ou areresonsible or the in&est!ent decisions -ou !ade relatin to those assets and the Plan iduciaries are not resonsible or an-losses resultin ro! -our in&est!ent instructions. To assist -ou in !akin inor!ed in&est!ent decisions, -our Pland!inistrator is reuired to ro&ide -ou /ith certain disclosures reuired under the 'eart!ent o aborFs articiantdisclosure reulation (See '9 *eulation K#$$0.404a5$) initiall- and on an annual basis. 3ou should contact -our Pland!inistrator /ith an- uestions reardin these disclosures. >idelit- is assistin -our Plan d!inistrator in co!l-in/ith this reulation and /ill !ake this disclosure notice a&ailable or -ou to re&ie/ and access &ia >idelit-Fs /ebsite.

( Mod5l Port7olio R5cord$556in: S5r9ic5

Codel Portolio *ecordkeein Ser&ice (the LSer&iceL) is a !anaed account ser&ice that in&ests -our ccount in one o se&eral !odel ortolios created ro! a !i o -our lanFs eliible in&est!ent otions. The Ser&ice is !anaed b-Aealthath d&isors. Ahen -ou enroll in the Ser&ice, -ou select a !odel ortolio based uon the choices and descritions

ro&ided b- Aealthath d&isors. 9nce enrolled, -our ccount balance /ill be reallocated to alin /ith the in&est!entallocation o -our assined !odel ortolio -our uture contributions /ill also be in&ested accordin to this !odel ortolio.

Ahile enrolled in the Ser&ice, -ou are deleatin the onoin !anae!ent o -our ccount to the Ser&ice. 3ou /ill not beable to !ake an- echanes a!on in&est!ent otions or other/ise direct or restrict the !anae!ent o -our ccount. TheSer&ice /ill allocate and, /hen aroriate, reallocate the assets in -our ccount to ensure that it sta-s in balance /ith the!odel ortolioFs current !i o in&est!ents. Ahene&er -our ccount is reallocated or rebalanced to it -our !odel ortolio,-ou /ill recei&e a conir!ation detailin the transactions. 3ou /ill also recei&e rosectuses or an- in&est!ent otion -oudid not re&iousl- o/n.

0 Stat535nt o7 Account

The assets in the Plan are in&ested in a&ailable in&est!ent otions and a searate ccount is established or each Particiant/ho recei&es and"or !akes a contribution. The &alue o -our ccount is udated each business da- to relect an-contributions, echanes bet/een in&est!ent otions, in&est!ent earnins or losses or each in&est!ent otion and

/ithdra/als. 3our account state!ent is a&ailable online throuh ?eteneits®, -ou can &ie/ and rint a state!ent or an-ti!e eriod u to #4 re&ious !onths. state!ent is also a&ailable to be auto!aticall- !ailed to -ou e&er- three !onths.3ou can initiate these !ailins b- loin on to ?eteneits® and selectin Cail Preerences under the ccounts tab.

5 )ESTING

The ter! “&estin” reers to -our nonoreitable riht to the !one- in -our ccount. 3ou recei&e &estin credit or thenu!ber o -ears that -ou ha&e /orked or -our %!lo-er and an- *elated %!lo-er.

I -ou ter!inate -our e!lo-!ent /ith -our %!lo-er, -ou !a- be able to recei&e a ortion or all o -our ccount based on-our &ested ercentae. 3ou are al/a-s 100H &ested in -our *ollo&er +ontributions, %!lo-er ?onelecti&e +ontributions,

Global Production Solutions, Inc. 401(k) Plan 11641 ;


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Dualiied ?onelecti&e +ontributions, 'eerral +ontributions, Sae 8arbor Catchin %!lo-er +ontributions and an-earnins thereon.

6 IN SER)ICE IT-DRAALS AND LOANS

3ou !a- contact >idelit- to take a /ithdra/al or loan ro! the Plan. The a!ount o an- taable /ithdra/al that is not rolledo&er into an Indi&idual *etire!ent ccount or another ualiied e!lo-er retire!ent lan /ill be subect to >ederal andstate, i alicable, inco!e taes. In eneral, the a!ount o an- taable /ithdra/al that is not rolled o&er into an Indi&idual*etire!ent ccount or another ualiied e!lo-er retire!ent lan /ill be subect to #0H >ederal Inco!e Ta and an-alicable State Inco!e Ta. 10H Internal *e&enue +ode earl- /ithdra/al enalt- ta !a- al- to the a!ount o -our /ithdra/al i -ou are under the ae o $@J and do not !eet one o the Internal *e&enue +ode ecetions. >or inor!ationreardin the taation o a!ounts attributable to *oth contributions, see the +ash 'istribution section belo/.

The ollo/in t-es o /ithdra/als are a&ailable under the Plan

" -ards;i6 it;dra?als

s an %!lo-ee, -ou !a- al- to /ithdra/ certain contributions to satis- seciic and hea&- inancial needs. Inaccordance /ith Internal *e&enue Ser&ice reulations, -ou !ust irst ehaust all other assets reasonabl- a&ailable to -ou rior to obtainin a hardshi /ithdra/al. This includes obtainin an- in5ser&ice /ithdra/al(s) a&ailable ro! -our ccount

and a loan ro! this Plan and another ualiied lan !aintained b- -our %!lo-er. 3our 'eerral +ontributions to thisPlan, and another %!lo-er5sonsored ualiied or non5ualiied lan, /ill be susended or si !onths ater -our receito the hardshi /ithdra/al. The !ini!u! hardshi /ithdra/al is B$00. 8ardshi /ithdra/als /ill be subect to the 10Hnoneriodic inco!e ta /ithholdin rate unless -ou elect out o the /ithholdin.

I -ou uali-, -ou !a- al- or a hardshi /ithdra/al to satis- the ollo/in needs (1) !edical eenses or -ou, -our souse, children, deendents or a ri!ar- beneiciar- desinated b- -ou under the Plan (#) the urchase o -our rincialresidence (7) to re&ent -our e&iction ro!, or oreclosure on, -our rincial residence (4) to a- or ost5secondar-education eenses (tuition, related educational ees, roo! and board) or -ou, -our souse, children, deendents or a ri!ar- beneiciar- desinated b- -ou under the Plan or the net t/el&e !onths ($) to !ake a-!ents or burial or uneraleenses or -our deceased arent, souse, child, deendent or a ri!ar- beneiciar- desinated b- -ou under the Plan (6) to a- eenses or the reair o da!ae to -our rincial residence that /ould uali- or the casualt- deduction under Section16$ o the Internal *e&enue +ode (/ithout reard to /hether the loss eceeds 10H o adusted ross inco!e) or another i!!ediate and hea&- inancial need as deter!ined based on Internal *e&enue Ser&ice reulations.

+ontributions a&ailable to /ithdra/ under the ter!s o this section are

• %!lo-ee 'eerral +ontributions (includin both reta and *oth deerral contributions i a&ailable in the

Particiant=s ccount)

( it;dra?als A7t5r A:5 8@

I -ou ha&e reached ae $@J, then -ou !a- elect to /ithdra/ all or a ortion o -our entire &ested ccount /hile -ou are stille!lo-ed b- -our %!lo-er.

0 it;dra?als A7t5r A:5 *!@

Startin in the calendar -ear in /hich -ou reach ae ;0J, -ou !a- elect to recei&e distributions calculated in the sa!e!anner as Cini!u! *euired 'istributions. >or !ore inor!ation, lease reer to the ararah so entitled under the'istributable %&ents subsection o this SP'=s section on 'istribution o eneits belo/.

it;dra?als A7t5r Nor3al R5tir535nt A:5

3ou !a- elect to /ithdra/ -our &ested ccount balance ater -ou reach the Plan=s nor!al retire!ent ae, 6$.00, or dela- ituntil -ou retire. ?ot/ithstandin the abo&e, b- la/ certain contributions includin e!lo-ee deerral, ualiied !atchin,sae harbor !atchin, ualiied nonelecti&e, and sae harbor nonelecti&e contributions cannot be /ithdra/n rior to ae $@J.

8 it;dra?als o7 Rollo95r Contributions

I -ou ha&e a balance in -our rollo&er contributions ccount, -ou !a- elect to /ithdra/ all or a ortion o it. There is noli!it on the nu!ber o /ithdra/als o this t-e.

Global Production Solutions, Inc. 401(k) Plan 11641


11/18

1 =uali7i5d R5s5r9ist Distribution

I -ou ha&e been called to acti&e !ilitar- dut- or !ore than 1;@ da-s or or an indeinite eriod, -ou !a- elect to /ithdra/-our 'eerral +ontributions durin -our acti&e dut- eriod. The /ithdra/al /ill not be subect to the 10H earl- /ithdra/al enalt- ta. 3ou !a- also elect to rea- the distribution to an I* /ithin t/o -ears ater the end o -our acti&e dut- eriod.

* it;dra?al 7or Partici6ants P5r7or3in: =uali7i5d Militar4 S5r9ic5

I -ou are eror!in Dualiied Cilitar- Ser&ice, -ou !a- elect to /ithdra/ -our 'eerral +ontributions, Sae 8arbor Catchin contributions and Dualiied ?onelecti&e +ontributions durin -our acti&e dut- eriod. 3ou /ill be susended ro!

!akin an- contributions or 6 !onths ollo/in the distribution and the /ithdra/al !a- be subect to the 10H earl-/ithdra/al enalt- ta.

+ Partici6ant Loans

oans ro! -our &ested ccount balance shall be !ade a&ailable to all uali-in Particiants on a reasonabl- eui&alent basis. oans are not considered distributions and are not subect to >ederal or state inco!e taes, ro&ided the- are reaid asreuired. Ahile -ou do ha&e to a- interest on -our loan, both the rincial and interest are deosited in -our ccount. 3oucan obtain !ore inor!ation about loans in the PlanFs oan Procedures sulied b- -our Plan d!inistrator (/hich !a- beattached at the end o this Su!!ar- Plan 'escrition).

7 DISTRI&UTION O' &ENE'ITS

" Eli:ibilit4 'or &5n57its

distribution can be !ade to -ou i -ou reuest one due to -our disabilit-, retire!ent or ter!ination o e!lo-!ent ro!-our %!lo-er and an- *elated %!lo-er. 3our eneiciar- or eneiciaries !a- reuest a distribution o -our &estedccount balance in the e&ent o -our death. The &alue o -our ccount balance /ill continue to increase or decrease, asaroriate, based on the in&est!ent returns until it is distributed.

3ou !a- deer receit o -our distribution until a later date. 8o/e&er, -ou cannot ostone it i -our &ested ccount balanceis B$,000 or less in /hich case the Plan d!inistrator /ill direct the Trustee that an- a!ount eceedin B1,000 bedistributed to an Indi&idual *etire!ent ccount or nnuit- (“I*”) or -our beneit. I -our &ested ccount balance isB1,000 or less, the Plan d!inistrator /ill direct the Trustee to distribute it to -ou as a lu! su! distribution /ithout -our consent. Prior to such distribution -ou still ha&e the riht to reuest that the a!ount be distributed directl- to -ou in the or!o a lu! su! a-!ent or to reuest that it be rolled5o&er to a dierent I* ro&ider or another retire!ent lan eliible torecei&e rollo&er contributions.

I -ou ail to reuest a dierent treat!ent o an auto!atic distribution under the Plan=s +ash59ut Pro&ision, -our distribution

/ill be aid o&er to an I* ro&ider chosen b- the Plan d!inistrator and in&ested in a roduct desined to reser&e the rincial o that distribution /hile still ro&idin a reasonable rate o return and reser&in liuidit-. The ees assessedaainst this ne/l- established I* b- its ro&ider /ill be aid b- the articiant.

I -ou ha&e uestions reardin the Plan=s auto!atic rollo&er rules, the Plan=s I* ro&ider or auto!atic rollo&ers, or theees and eenses alicable to the auto!atic rollo&er I*, lease contact the Plan d!inistrator. 3our consent /ill bereuired or an- distribution i -our &ested ccount balance is reater than B$,000.

3ou should consult /ith -our ta ad&isor to deter!ine the inancial i!act o -our situation beore -ou reuest a distribution.3ou !a- al- or a distribution b- callin the >idelit- *etire!ent eneits ine at 15idelit- at 15


12/18

I -ou beco!e disabled /hile -ou are e!lo-ed b- -our %!lo-er or a *elated %!lo-er and then ter!inate -our e!lo-!ent, -ou /ill beco!e 100H &ested in -our ccount balance i -ou are not alread- ull- &ested. 3ou !a- reuest adistribution o -our ccount balance onl- i -ou ter!inate -our e!lo-!ent /ith -our %!lo-er or *elated %!lo-er.

0 R5tir535nt

3ou do not ha&e to ter!inate -our e!lo-!ent /ith -our %!lo-er ust because -ou attain -our earl- retire!ent ae o $$.00 or -ou attain -our nor!al retire!ent ae o 6$.00. 3ou /ill auto!aticall- beco!e 100H &ested in -our ccount balance uon !eetin the retire!ent reuire!ents. 3ou !a- take an earl- retire!ent distribution at or ater ae $$.00,

but -ou !ust irst ter!inate -our e!lo-!ent /ith -our %!lo-er or *elated %!lo-er. Mini3u3 R5>uir5d Distributions

3ou are reuired b- la/ to recei&e a !ini!u! reuired distribution ro! the %!lo-er=s Plan, unless -ou are a i&e ercent o/ner o the %!lo-er, no later than ril 1 o the calendar -ear ollo/in the calendar -ear -ou turn ;0J or ter!inate -our e!lo-!ent, /hiche&er is later. I -ou are a i&e ercent o/ner o the %!lo-er, -ou !ust start recei&in-our distribution no later than ril 1 o the calendar -ear ollo/in the calendar -ear -ou turn ;0J. 9nce -ou startrecei&in -our !ini!u! reuired distribution, -ou should recei&e it at least annuall- until all assets in -our ccount aredistributed. I -ou ha&e an- uestions about -our !ini!u! reuired distributions, lease contact -our Pland!inistrator.

8 T5r3ination o7 E36lo435nt

Generall-, i -ou ter!inate -our e!lo-!ent /ith -our %!lo-er and all *elated %!lo-ers, -ou !a- elect to recei&e adistribution o -our &ested ccount balance ro! the Plan.

0 'or3 o7 Pa435nts

" Lu36 Su3 Distributions

3our entire &ested ccount balance /ill be aid to -ou in a sinle distribution or other distribution that -ou elect.

( Nonederal inco!e ta /ithholdin o #0H o the taabledistribution and the re!ainin a!ount /ill be aid to -ou. 3ou cannot elect out o this ta /ithholdin but -ou can a&oidit b- electin a direct rollo&er distribution as described belo/. This /ithholdin is not a enalt- but a rea-!ent o -our >ederal inco!e taes.

Subect to certain ecetions (or ea!le, /ith resect to a distribution o ecess 'eerral +ontributions to 8ihl-+o!ensated %!lo-ees due to nondiscri!ination test results), the entire a!ount o -our ccount under the Planattributable to *oth contributions /ill be distributed to -ou ree ro! >ederal inco!e ta (includin the earnins ortion)i the distribution occurs ater the i&e taable -ear eriod beinnin /ith the irst taable -ear -ou !ade a desinated*oth contribution to the Plan (or to a lan -ou re&iousl- articiated in, i earlier, i a!ounts attributable to those re&ious *oth contributions /ere directl- rolled o&er to this Plan), ro&ided the distribution is also !ade

• 9n or ater -ou attain ae $@ J or

• To -our beneiciar- (or estate) on or ater -our death or

• Pursuant to -our bein disabled.

>or ea!le, i -ou !ade -our irst *oth contribution held /ithin the Plan (or another ualiied lan, as described in the*ollo&er +ontributions section abo&e) durin Mul-, #006, attained ae $@51"# on Manuar- 1, #011 and /ere eliible or adistribution on Manuar- 7, #011, the ortion o -our distribution attributable to *oth contributions /ould not be subect to>ederal inco!e ta uon distribution on Manuar- 7, #011.

3ou !a- rollo&er the taable distribution -ou recei&e to an Indi&idual *etire!ent ccount (I*) or -our ne/ e!lo-er=sualiied lan, i it accets rollo&er contributions and -ou roll o&er this distribution /ithin 60 da-s ater receit. 3ou /illnot be taed on an- a!ounts ti!el- rolled o&er into the I* or -our ne/ e!lo-er=s ualiied Plan until those a!ountsare later distributed to -ou. n- a!ounts not rolled o&er !a- also be subect to certain earl- /ithdra/al enalties rescribed under the Internal *e&enue +ode.

0 Dir5ct Rollo95r Distribution

s an alternati&e to a non5rollo&er distribution, -ou !a- reuest that -our entire distribution be rolled directl- into a>idelit- I*, a non5>idelit- I* or to -our ne/ e!lo-er=s ualiied lan i it accets rollo&er contributions. >ederalinco!e taes /ill not be /ithheld on an- direct rollo&er distribution.



13/18

Ahen -ou call the >idelit- *etire!ent eneits ine to take a /ithdra/al, -ou /ill be asked /hether -ou /ill be rollino&er an- art o -our distribution. I -ou /ish to ha&e an- art o -our distribution rolled o&er to an I* or another ualiied lan, -ou /ill need to seak to a >idelit- reresentati&e.

a. Rollo95r to 'id5lit4 IRA 5 3ou /ill be asked /hether -ou ha&e recei&ed a >idelit- Ser&ice or %itin%!lo-ees (NS%%=) *ollo&er I* :it. I -ou ha&en=t recei&ed a S%% :it, the >idelit- reresentati&e /ill sendout one. Then, -our rollo&er reuest /ill be entered on the s-ste! and /ill end (or u to @0 da-s) until the*ollo&er I* ccount is set u. 3ou !ust return the sined *ollo&er I* alication to >idelit-=s *etail+usto!er Ser&ice 'eart!ent (in 'allas, TO) in order to set u the *ollo&er I* ccount. 9nce the *ollo&er

I* account has been set u, -our &ested ccount balance /ill be transerred to the >idelit- *ollo&er I*.

b. Rollo95r to Non


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or so!eone other than -ou or -our eneiciar-, !a- be entitled to a ortion or all o -our ccount balance based on the courtorder. Particiants and eneiciaries can obtain, /ithout a chare, a co- o D'*9 rocedures ro! the Plan d!inistrator.

0 Plan


15/18

( To6 -5a94 T5st

The Plan !a- be subect to the Internal *e&enue +ode “to5hea&-” test. In that circu!stance, the Plan d!inistrator teststhis Plan, toether /ith another %!lo-er5sonsored ualiied lans that co&er one or !ore ke- e!lo-ees, to ensure thatno !ore than 60H o the beneits are or ke- e!lo-ees. I this Plan is to5hea&-, then -our %!lo-er !a- be reuired to!ake a !ini!u! annual contribution on -our behal to this, or another %!lo-er sonsored lan, i -ou are e!lo-ed as o Plan 3ear5end. 3ou /ill be &ested or these contributions in accordance /ith the &estin sho/n or nonelecti&e contributions/ithin the Qestin section o this SP'.

10 PARTICIPANT R IG-TS

" Clai3s

" Clai3s Proc5dur5s

lan articiant or beneiciar- !a- !ake a clai! or beneits under the Plan. n- such clai! -ou ile !ust besub!itted to the Plan d!inistrator in a or! and !anner accetable to the Plan d!inistrator. +ontact -our Pland!inistrator or !ore inor!ation. Generall-, the Plan d!inistrator /ill ro&ide -ou /ith /ritten notice o thedisosition o -our clai! /ithin @0 da-s ater receit o -our clai! b- the Plan. I the Plan d!inistrator deter!ines thatsecial circu!stances reuire an etension o ti!e to rocess -our clai!, the Plan d!inistrator /ill urnish /rittennotice o the etension to the clai!ant rior to the eiration o the initial @05da- eriod. In no e&ent shall such etensioneceed a eriod o @0 da-s ro! the end o the initial eriod the Plan d!inistrator had to disose o -our clai!. Theetension notice shall indicate the secial circu!stances reuirin an etension o ti!e and the date b- /hich the Planeects to render the beneit deter!ination. ( dierent rocedure alies or disabilit- related clai!s see the net ararah). In the e&ent the clai! is denied, the Plan d!inistrator /ill disclose to -ou in /ritin the seciic reasonsor the denial, a reerence to the seciic ro&isions o the Plan on /hich the deter!ination is based, a descrition o additional !aterial or inor!ation necessar- or the clai!ant to erect the clai! and an elanation o /h- it is reuired,and inor!ation about the stes that !ust be taken to sub!it a ti!el- reuest or re&ie/, includin a state!ent o -our riht to brin a ci&il action under Section $0#(a) o %*IS ollo/in as ad&erse deter!ination uon re&ie/.

I -our clai! concerns disabilit- beneits under the Plan, the Plan d!inistrator !ust noti- -ou in /ritin /ithin 4$ da-sater -ou ha&e iled -our clai! in order to den- it. I secial circu!stances reuire an etension o ti!e to rocess -our clai!, the Plan d!inistrator !ust noti- -ou beore the end o the 4$5da- eriod that -our clai! !a- take u to 70 da-sloner to rocess. I secial circu!stances still re&ent the resolution o -our clai!, the Plan d!inistrator !a- thenonl- take u to another 70 da-s ater i&in -ou notice beore the end o the oriinal 705da- etension. I the Pland!inistrator i&es -ou notice that -ou need to ro&ide additional inor!ation reardin -our clai!, -ou !ust do so/ithin 4$ da-s o that notice.

( R59i5? Proc5dur5s #'or A665al o7 an Ad95rs5 &5n57it D5t5r3ination%

3ou !a- aeal the denial o -our clai! !ade under the rocedures described abo&e /ithin 60 da-s ater the dateollo/in -our receit o notiication o the denied clai! (a dierent rocedure alies or disabilit- related clai!s seethe net ararah) b- ilin a /ritten reuest or re&ie/ /ith the Plan d!inistrator. This /ritten reuest !a- includeco!!ents, docu!ents, records, and other inor!ation relatin to -our clai! or beneits. 3ou shall be ro&ided, uon-our reuest and ree o chare, reasonable access to, and coies o, all docu!ents, records, and other inor!ation rele&antto -our clai! or beneits. The re&ie/ /ill take into account all co!!ents, docu!ents, records, and other inor!ationsub!itted b- -ou relatin to the clai!, /ithout reard to /hether such inor!ation /as sub!itted or considered in theinitial beneit deter!ination. Generall-, the Plan d!inistrator /ill ro&ide -ou /ith /ritten notice o the disosition o -our clai! on re&ie/ /ithin 60 da-s ater receit o -our aeal b- the Plan. I the Plan d!inistrator deter!ines thatsecial circu!stances reuire an etension o ti!e to rocess -our clai!, the Plan d!inistrator /ill urnish /rittennotice o the etension to the clai!ant rior to the eiration o the initial 605da- eriod. In no e&ent shall such etensioneceed a eriod o 60 da-s ro! the end o the initial eriod the Plan d!inistrator had to disose o -our clai!. The

etension notice shall indicate the secial circu!stances reuirin an etension o ti!e and the date b- /hich the Planeects to render the beneit deter!ination. ( dierent rocedure alies or disabilit- related clai!s see the net ararah). In the e&ent the clai! on re&ie/ is denied, the Plan d!inistrator /ill disclose to -ou in /ritin the seciicreasons or the denial, a reerence to the seciic ro&isions o the Plan on /hich the deter!ination is based, a descritiono additional !aterial or inor!ation necessar- or the clai!ant to erect the clai! and an elanation o /h- it isreuired, and inor!ation about the stes that !ust be taken to sub!it a ti!el- reuest or re&ie/, includin a state!ento -our riht to brin a ci&il action under Section $0#(a) o %*IS ollo/in as ad&erse deter!ination uon re&ie/.

I -our initial clai! /as or disabilit- beneits under the Plan and has been denied b- the Plan d!inistrator, -ou ha&e1


16/18

ud!ent, the indi&idual handlin -our aeal /ill consult /ith a !edical roessional /ho /as not consulted reardin-our initial clai! and /ho is not a subordinate o an-one consulted reardin -our initial clai! and identi- that !edical roessional to -ou. The Plan d!inistrator !ust noti- -ou in /ritin /ithin 4$ da-s ater -ou ha&e iled -our clai! inorder to den- it. I the Plan d!inistrator deter!ines that secial circu!stances reuire an etension o ti!e to rocess-our clai!, the Plan d!inistrator /ill urnish /ritten notice o the etension to the clai!ant rior to the eiration o the initial 4$5da- eriod. In no e&ent shall such etension eceed a eriod o 4$ da-s ro! the end o the initial eriod thePlan d!inistrator had to disose o -our clai!. The etension notice shall indicate the secial circu!stances reuirinan etension o ti!e and the date b- /hich the Plan eects to render the beneit deter!ination.

The Plan d!inistrator shall noti- -ou o the Plan=s beneit deter!ination on re&ie/ /ithin a reasonable eriod o ti!e, but not later than 60 da-s ater receit o -our reuest or re&ie/ b- the Plan, unless the Plan d!inistrator deter!inesthat secial circu!stances reuire an etension o ti!e or rocessin the clai!. I the Plan d!inistrator deter!inesthat an etension o ti!e or rocessin is reuired, /ritten notice o the etension shall be urnished to -ou rior to theter!ination o the initial 605da- eriod. In no e&ent shall such etension eceed a eriod o 60 da-s ro! the end o theinitial eriod. The etension notice shall indicate the secial circu!stances reuirin an etension o ti!e and the date b-/hich the Plan eects to render the deter!ination on re&ie/.

The Plan d!inistrator shall ro&ide -ou /ith /ritten notiication o a lan=s beneit deter!ination on re&ie/. In thecase o an ad&erse beneit deter!ination, the notiication shall set orth, in a !anner calculated to be understood b- -ou the seciic reason or reasons or the ad&erse deter!inations, reerence to the seciic lan ro&isions on /hich the beneitdeter!ination is based, a state!ent that -ou are entitled to recei&e, uon -our reuest and ree o chare, reasonableaccess to, and coies o, all docu!ents, records, and other inor!ation rele&ant to -our clai! or beneits.

( Stat535nt o7 ERISA Ri:;ts

s a Particiant in the Plan, -ou are entitled to certain rihts and rotections under %*IS. %*IS ro&ides that all PlanParticiants shall be entitled to

" R5c5i95 In7or3ation About Your Plan and &5n57its

• %a!ine, /ithout chare, at the Plan d!inistrator=s oice and at other seciied locations, such as /orksites

and union halls, all docu!ents o&ernin the Plan, includin insurance contracts and collecti&e baraininaree!ents, and a co- o the latest annual reort (>or! $$00 Series) iled b- the Plan /ith the E.S.'eart!ent o abor and a&ailable at the Public 'isclosure *oo! o the %!lo-ee eneits Securit-d!inistration.

• 9btain, uon /ritten reuest to the Plan d!inistrator, coies o docu!ents o&ernin the oeration o the

lan, includin insurance contracts and collecti&e barainin aree!ents, and coies o the latest annual reort

(>or! $$00 Series) and udated Su!!ar- Plan 'escrition. The Plan d!inistrator !a- !ake a reasonablechare or the coies.

• *ecei&e a su!!ar- o the Plan=s annual inancial reort. The Plan d!inistrator is reuired b- la/ to urnish

each Particiant /ith a co- o this Su!!ar- nnual *eort each -ear.

• 9btain a state!ent tellin -ou the air !arket &alue o -our &ested, accrued beneit, as o the date or /hich the

beneits are reorted, i -ou sto /orkin under the Plan no/. I -ou do not ha&e a riht to a beneit under the lan, the state!ent /ill tell -ou ho/ !an- !ore -ears -ou ha&e to /ork to et a riht to a beneit. Thisstate!ent !ust be reuested in /ritin and is not reuired to be i&en !ore than once e&er- t/el&e (1#) !onths.The Plan !ust ro&ide the state!ent ree o chare.

( Prud5nt Actions b4 'iduciari5s

In addition to creatin rihts or Plan Particiants, %*IS i!oses duties uon the eole /ho are resonsible or the

oeration o the e!lo-ee beneit lan. The eole /ho oerate -our Plan, called “iduciaries” o the Plan, ha&e a dut- todo so rudentl- and in the interest o -ou, other Plan Particiants and eneiciaries. ?o one, includin -our %!lo-er,-our union, or another erson, !a- ire -ou or other/ise discri!inate aainst -ou in an- /a- to re&ent -ou ro!obtainin a retire!ent beneit or eercisin -our rihts under %*IS.

0 En7orc5 Your Ri:;ts

I -our clai! or a beneit under the Plan is denied or inored, in /hole or in art, -ou ha&e a riht to kno/ /h- this /asdone, to obtain coies o docu!ents relatin to the decision /ithout chare, and to aeal an- denial, all /ithin certainti!e schedules. Ender %*IS, there are stes -ou can take to enorce the abo&e rihts. >or instance, i -ou reuest aco- o lan docu!ents or the latest annual reort ro! the Plan and do not recei&e the! /ithin 70 da-s, -ou !a- ile suitin a >ederal court. The Plan=s aent or leal ser&ice o rocess in the e&ent o a la/suit is the Plan d!inistrator. In



17/18

such a case, the court !a- reuire the Plan d!inistrator to ro&ide the !aterials and a- -ou u to B110 a da- until -ourecei&e the !aterials, unless the !aterials /ere not sent because o reasons be-ond the control o the Plan d!inistrator.

I -ou ha&e a clai! or beneits /hich is denied or inored, in /hole or in art, -ou !a- ile suit in a state or >ederalcourt. In addition, i -ou disaree /ith the Plan=s decision or lack thereo concernin the ualiied status o a do!esticrelations order, -ou !a- ile suit in >ederal court. I it should haen that Plan iduciaries !isuse the Plan=s !one-, or i -ou are discri!inated aainst or assertin -our rihts, -ou !a- seek assistance ro! the E.S. 'eart!ent o abor, or -ou !a- ile suit in a >ederal court. The court /ill decide /ho should a- court costs and leal ees. I -ou aresuccessul, the court !a- order the erson -ou ha&e sued to a- these costs and ees. I -ou lose, the court !a- order -ou

to a- these costs and ees, or ea!le, i it inds -our clai! ri&olous.

Assistanc5 ?it; Your =u5stions

I -ou ha&e an- uestions about -our Plan, -ou should contact the Plan d!inistrator. I -ou ha&e an- uestions aboutthis state!ent or -our rihts under %*IS, or i -ou need assistance in obtainin docu!ents ro! the Plan d!inistrator,-ou should contact the nearest oice o the %!lo-ee eneits Securit- d!inistration, E.S. 'eart!ent o abor, listedin -our telehone director- or the 'i&ision o Technical ssistance and Inuiries, %!lo-ee eneits Securit-d!inistration, E.S. 'eart!ent o abor, #00 +onstitution &enue ?.A., Aashinton, '.+. #0#10. 3ou !a- alsoobtain certain ublications about -our rihts and resonsibilities under %*IS b- callin the ublications hotline o the%!lo-ee eneits Securit- d!inistration.

0 ;5n to &rin: an Action in Court

3ou !a- ile a la/suit reardin the denial o an aeal ater ollo/in the clai!s and re&ie/ rocedures abo&e. 3ou!ust ile an- la/suit /ithin 1# !onths ater the date the Plan d!inistrator issued its inal decision on an aeal. I -oudo not ile a clai! or ehaust the clai!s re&ie/ rocess or an- reason, an- la/suit !ust be iled /ithin 1# !onths o thedate o the conduct at issue in the la/suit (/hich includes, a!on other thins, the date -ou beca!e entitled to an- Plan beneits at issue in the la/suit). I -ou ail to ile a la/suit /ithin these ti!era!es, -ou /ill lose -our riht to brin thela/suit at an- later ti!e.

11 SER)ICES AND 'EES

>ees and eenses chared under -our ccount /ill i!act -our retire!ent sa&ins, and all into three basic cateories . Investment fees are enerall- assessed as a ercentae o assets in&ested, and are deducted directl- ro! -our in&est!entreturns. In&est!ent ees can be in the or! o sales chares, loads, co!!issions, 1#b51 ees, or !anae!ent ees. +ertain o these In&est!ent ees !a- not al- deendin uon the unds and share classes a&ailable in the Plan. 3ou can obtain !oreinor!ation about such ees ro! the docu!ents (e.., a rosectus) that describe the in&est!ents a&ailable under -our Plan.

Plan administration fees co&er the da-5to5da- eenses o -our Plan or recordkeein, accountin, leal and trustee ser&ices,as /ell as additional ser&ices that !a- be a&ailable under -our Plan, such as dail- &aluation, telehone resonse s-ste!s,internet access to lan inor!ation, retire!ent lannin tools, and educational !aterials. In so!e cases, these costs areco&ered b- in&est!ent ees that are deducted directl- ro! in&est!ent returns. In other cases, these ad!inistrati&e ees areeither aid directl- b- -our %!lo-er, or are assed throuh to the articiants in the Plan, in /hich case a recordkeein ee/ill be deducted ro! -our ccount. Transaction-based fees are associated /ith otional ser&ices oered under -our Plan,and are chared directl- to -our ccount i -ou take ad&antae o a articular lan eature that !a- be a&ailable, such as aPlan loan. >or !ore inor!ation on ees associated /ith -our ccount, reer to -our ccount state!ent or seak /ith -our Plan d!inistrator.

Global Production Solutions, Inc. 401(k) Plan 11641 1$


18/18

"( LOAN PROCEDURES 'OR Global Production Solutions, Inc. !"#$% Plan

" Loan A66lication

3ou !a- al- or a loan b- contactin >idelit-. 3ou !a- al- or onl- one loan each calendar -ear. ll loans (ecetloans or the urchase o a rincial residence) ha&e been re5aro&ed b- the Plan d!inistrator based on the criteriaoutlined in the Plan=s loan rocedures. oans /ill be allo/ed or an- urose. loan set u ee o B;$.00 /ill bededucted ro! -our ccount or each ne/ loan rocessed.

( Loan A3ount

The !ini!u! loan is B1,000 and the !ai!u! a!ount is the lesser o one5hal o -our &ested ccount balance or B$0,000 reduced b- the hihest outstandin loan balance in -our ccount durin the rior t/el&e !onth eriod. ll o -our loans ro! lans !aintained b- -our %!lo-er or a *elated %!lo-er /ill be considered or uroses o deter!ininthe !ai!u! a!ount o -our loan. E to $0H o -our &ested ccount balance !a- be used as collateral or an- loan.

0 Nu3b5r o7 Loans

3ou !a- onl- ha&e 1 loan outstandin at an- i&en ti!e. I -ou ha&e an eistin loan -ou !a- not al- or another loanuntil the eistin loan is aid in ull.

Int5r5st Rat5

ll loans shall bear a reasonable rate o interest as deter!ined b- the Plan d!inistrator based on the re&ailin interest

rates chared b- ersons in the business o lendin !one- or loans /hich /ould be !ade under si!ilar circu!stances.The interest rate shall re!ain ied throuhout the duration o the loan.

8 Loan R56a435nts and Loan Maturit4

ll loans !ust be reaid in le&el a-!ents throuh ater5ta a-roll deductions on at least a uarterl- basis o&er a i&e-ear eriod unless it is or the urchase o -our rincial residence in /hich case the loan rea-!ent eriod !a- notetend be-ond 10 -ears ro! the date o the loan. I rea-!ent is not !ade b- a-roll deduction, a loan shall be reaid inaccordance /ith rocedures ro&ided b- -our Plan d!inistrator. The le&el rea-!ent reuire!ent !a- be /ai&ed or a eriod o one -ear or less i -ou are on a lea&e o absence, ho/e&er, -our loan !ust still be reaid in ull on the !aturit-date. I -ou are on a !ilitar- lea&e o absence, the rea-!ent schedule !a- be /ai&ed or the entire lenth o the ti!e!issed on lea&e. 3our loan /ill accrue interest durin this t i!e, and uon return ro! a !ilitar- lea&e o absence, -our loan /ill be rea!orti2ed to etend the lenth o the loan b- the lenth o the lea&e. I a loan is not reaid /ithin its stated eriod, it /ill be treated as a taable distribution to -ou.

1 D57ault or T5r3ination o7 E36lo435nt

The Plan d!inistrator shall consider a loan in deault i an- scheduled rea-!ent re!ains unaid as o the last businessda- o the calendar uarter ollo/in the calendar uarter in /hich a loan is initiall- considered ast due. In the e&ent o a deault, the entire outstandin rincial and accrued interest shall be i!!ediatel- due and a-able. 8o/e&er, i -our ter!ination o e!lo-!ent results ro! a cororate action on the art o -our e!lo-er and -ou re!ain eror!in thesa!e ob ater that cororate action, /ithin 60 da-s o -our ter!ination o e!lo-!ent -ou !a- reuest that the Pland!inistrator roll o&er -our loan to -our ne/ e!lo-er=s retire!ent lan (i such ne/ lan /ill accet -our loan rollo&er). Enless -ou roll o&er -our loan, an- deault in rea-!ent to the Plan /ill result in the treatin o the balance dueor -our loan as a taable distribution ro! the Plan.

Global Production Solutions Inc 401(k) Plan 11641 16

GPS 401k Plan Summary Plan Description

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