TURNER RETIREMENT INVESTMENT PLAN Contribution & Employer Match

TURNER RETIREMENT INVESTMENT PLAN Average Participant Retirement Account Value

TURNER RETIREMENT INVESTMENT PLAN Estimated Average Employee Contribution Amount

• Eligible employees may elect to contribute to the Plan between 1% and 25% of their base salaries, not to exceed the maximum allowed by the Code.
• Participants have the option to make Roth contributions to the Plan.
• The Plan provides that participants projected to be age 50 or older by the end of the table year and who are making deferral contributions to the Plan may also make a catch-up contribution of up to the maximum amount allowed under the provisions of the Internal Revenue Service ("IRS").
• The Plan requires an automatic enrollment and an initial pre-tax deferral contribution of 5% to be made by newly eligible employees one month after the date of hire unless they elect not to make contributions.

• For every participant dollar contributed up to the first 5% of the employee’s eligible compensation, as defined by the Plan, the Company adds 50% to the participant accounts for employees with less than five years of service, 75% for employees with five years but less than 10 years of service, and 100% for employees with more than 10 years of service.
• An earnings-based contribution equal to 3% of compensation up to the Social Security Taxable Wage Base, plus 6% of compensation above the Social Security Taxable Wage Base, not to exceed the limit established by the IRS, is also contributed by the Company.

• Participants are required to have three years of service, based on adjusted service date, as defined by the Plan, to be 100% vested in Company matching contributions and earnings-based contributions.
• Participants leaving the Company before completing three years of service will forfeit the Company’s matching contributions and earnings-based contributions, and associated earnings.
• Participants are immediately vested in their contributions and earnings thereon.
• Provisions are made for treating certain terminations and subsequent reemployment as leaves of absence without loss of previously accumulated years of vested service or benefits.
• Participants are entitled to receive the full amount of the vested balance in their account upon termination of employment for reasons due to death, disability, or attainment of normal retirement age.