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Hoss's & Marzoni's Employee Benefits

ESOP (Employee Stock Ownership Plan)

Effective as of January 1, 2015, the Company has amended the Plan to cease making further Employer Contributions, and thus the Plan has become frozen effective as of January 1, 2015.

In connection with the Company’s election to freeze the Plan, no new Participants will be added to the Plan.

Finally, as described in the Summary Plan Description, all Participant Accounts which have not incurred a Forfeiture as of December 31, 2014, shall become 100% vested and non-forfeitable.

Except as described above, the Plan will continue to operate as described in the Summary Plan Description.