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The Safe Harbor 401(k) Plan allows eligible employees to contribute a portion of their own salary to a retirement plan.Employers contribute either matching or non-elective amounts to the plan on behalf of eligible employees. Employer contributions are tax deductible and employee contributions are excluded from income for Federal Income Tax purposes.Plan Eligibility:• Sole proprietorships, partnerships, limited liability corporations (LLCs), orincorporated businesses, including subchapter S corporations, may establish a 401(k) plan. • All eligible employees must be allowed to participate in the 401(k). An eligible employee is any employee who: is at least 21 years old; has performed one (1) year of service and worked 1,000 hours in the year beginning with the date of hire. • Union employees and non-resident aliens who have no U.S source of income may generally be excluded from coverage. Note: An employer can establish less restrictive eligibility requirements than the ones listed above, but not more restrictive ones.

PENSERVCO, INC.

EMPLOYER NON-ELECTIVE CONTRIBUTIONS: