PRMC 401(k) Summary Plan Description : simplebooklet.com

PRATT REGIONAL MEDICAL CENTER 401 K PROFIT SHARING PLAN SUMMARY PLAN DESCRIPTION TABLE OF CONTENTS INTRODUCTION 1 ELIGIBILITY 1 Eligible Employee 1 Elective Deferral Contributions Employer Matching Contributions and Non Elective Contributions 1 Computing Service 1 CONTRIBUTIONS 1 Account 1 Elective Deferral Contributions 2 Roth Contributions 2 Employer Matching Contributions 3 Non Elective Contributions 3 Qualified Non Elective Contributions 3 Rollover Contributions 3 Military Service Contributions 4 Limits on Contributions 4 COMPENSATION 4 Plan Compensation 4 VESTING 4 Elective Deferral Account Rollover Contribution Account and Qualified Non Elective Contribution Account 5 Employer Matching Contribution Account and Non Elective Contribution Account 5 Special Vesting Rules 5 Forfeitures 5 Year of Vesting Service 6 DISTRIBUTIONS 6 Commencement of Distributions 6 Normal Retirement Age 6 Timing and Form of Payment 6 Force Out 7 Beneficiary 7 IN SERVICE DISTRIBUTIONS AND LOANS 7 Hardship Distributions 8 Attainment of Age 59 1 2 8 Withdrawals at Any Time 9 Reservist Distributions 9 Deemed Severance Distributions 9 In Plan Roth Rollovers of Amounts Not Otherwise Distributable 9 Qualified Birth or Adoption Distribution 9 Rules Regarding In Service Distributions 10 i Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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INTRODUCTION Pratt Regional Medical Center the Employer established the Pratt Regional Medical Center 401 k Profit Sharing Plan the Plan effective January 1 2002 This Summary Plan Description describes the Plan as restated effective July 31 2022 This revised Summary Plan Description supersedes all previous Summary Plan Descriptions Although the purpose of this document is to summarize the more significant provisions of the Plan the plan document will prevail in the event of any inconsistency In addition the terms of the Plan cannot be modified by written or oral statements made to you by the Plan Administrator or other personnel ELIGIBILITY Eligible Employee You are an Eligible Employee if you are employed by Pratt Regional Medical Center or any affiliate who has adopted the Plan However you are not an Eligible Employee if you are a leased employee Elective Deferral Contributions Employer Matching Contributions and Non Elective Contributions You will become eligible to make Elective Deferral Contributions and receive Employer Matching Contributions and Non Elective Contributions on the first day of the calendar month next following the date you attain age 18 and you complete 60 Days of Employment Elapsed Time provided that you are an Eligible Employee at the end of that period Computing Service Eligibility Computation Period means a consecutive 12 month period beginning with your first day of employment and each anniversary of your date of employment You will generally earn an hour of service for each hour you are paid for the performance of duties for the Employer however numerous exceptions and special rules apply All eligibility service with the Employer is taken into account Years of service with Farmer Clinic a branch of Hutchinson Clinic and Pratt Internal Medicine Group will be treated as service with the Employer for eligibility purposes CONTRIBUTIONS Account Account means all of the contributions of whatever type made to the Plan for a Participant including the earnings and losses on those contributions 1 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Elective Deferral Contributions You may elect to reduce your Compensation defined below and make a contribution to the Plan on a pre tax basis These pre tax contributions are known as Elective Deferral Contributions You may elect to defer up to 100 of your Plan Compensation on a pre tax basis but must defer at least 1 of your Plan Compensation Federal law also limits the amount you may elect to defer under this Plan and any other retirement plan permitting Elective Deferral Contributions during any calendar year 20 500 in 2022 However if you are age 50 or over you may defer an additional amount called a Catch up Contribution of up to 6 500 in 2022 These dollar limits are indexed therefore they may increase each year for cost of living adjustments The Internal Revenue Code may further restrict Elective Deferral Contribution elections by highly compensated Participants You can enroll in the Plan easily and conveniently from the Start Right Website at www startright bokf com or by calling a Participant Service Representative at 1 800 876 9557 Such election will become effective as soon as administratively feasible after it is received by the Plan Administrator Your election will remain in effect until you modify or terminate it In addition to specifying your deferral rate you will also be able to enter your Beneficiary information You may elect to start increase or reduce your elections to contribute to the Plan effective as of the dates established pursuant to Plan Administrator procedures You may make changes on the Start Right Website at www startright bokf com or by calling a Participant Service Representative at 1 800 876 9557 Changes will be effective as soon as administratively feasible The Plan Administrator may also reduce or totally suspend your election if the Plan Administrator determines that your election may cause the Plan to fail to satisfy any of the requirements of the Internal Revenue Code Roth Contributions The Plan allows Elective Deferral Contributions to be made as Roth Contributions Roth Contributions are Elective Deferral Contributions that are made in the same manner as your pre tax Elective Deferral Contributions except that Roth Contributions are made to the Plan on an after tax basis If certain requirements are met a qualified distribution from your Roth Contribution Account in the Plan will not be taxed Please note Roth Contributions are Matched Employee Contribution The Employer may match contributions you make as Roth Elective Deferral Contributions You must designate how much you would like to contribute on a pre tax basis normal Elective Deferral Contribution and how much you would like to contribute as an after tax Roth Contribution You are not required to make any Roth Contributions You may continue to designate all of your Elective Deferral Contribution elections as normal pre tax contributions The sum of your Roth Contributions and normal Elective Deferral Contributions may not exceed the annual limit on normal Elective Deferral Contributions mentioned above As was mentioned above a qualified distribution of your Roth Contributions and earnings is not taxable A qualified distribution must be made more than five years after the first Roth Contribution is made and must meet at least one of the following requirements 2 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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i the distribution must be made after you attain age 59 1 2 ii the distribution must be made to your beneficiary after your death or iii the distribution must be made on account of your disability Please note Roth Contributions are not suitable for everyone Please consult with your tax advisor before making any Roth Contributions to the Plan Employer Matching Contributions The Employer may in its sole discretion make a matching contribution on your behalf if you make a Matched Employee Contribution A Matched Employee Contribution is any Elective Deferral Contribution or Catch up Contribution that you may make during the Plan Year If you make a Matched Employee Contribution and you complete at least 1 hours of service during the payroll period the Employer may contribute to your Employer Matching Contribution Account in an amount and allocation formula as determined by the Employer in its sole discretion Non Elective Contributions The Employer may in its sole discretion make a Non Elective Contribution to the Plan on your behalf You will be eligible to receive an allocation if you have completed at least 501 hours of service during the Plan Year and are employed by the Employer on the last day of each Plan Year Non Elective Contributions will be allocated to the Non Elective Contribution Accounts of each Participant eligible to share in such allocations after the end of the Plan Year Such contributions will be allocated to the Non Elective Contribution Account of each Participant eligible in the ratio that each Participant s Plan Compensation bears to the Plan Compensation of all eligible Participants For purposes of this section if you are an employee whose hours are not tracked you will be credited with forty five 45 hours of service for each week or partial week of service with the Employer If you are an Eligible Employee and terminate employment with the Employer due to death disability or attainment of Normal Retirement Age you will be eligible to receive a Non Elective Contribution regardless of whether you meet any service requirement and or last day requirement described in this section If you terminate on the last day of the Plan Year you will be treated as being employed for purposes of determining whether you have met the last day requirement described in this section Qualified Non Elective Contributions In addition to the contributions described above the Employer may make additional Qualified NonElective Contributions for the benefit of such Participants determined at the discretion of the Employer Rollover Contributions The Plan may accept a Rollover Contribution made on behalf of any Eligible Employee regardless of whether such employee has met the age and service requirements of the Plan An Eligible Employee who has not yet met any of the eligibility requirements of the Plan will be deemed a Participant only with respect to amounts if any in his Rollover Contribution Account In general any eligible rollover distribution will be 3 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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accepted by the Plan however the Plan Administrator may establish procedures that regulate the method by which Rollover Contributions will be accepted Military Service Contributions If you serve in the United States armed forces and must miss work as a result of such service you may be eligible to receive contributions benefits and service credit with respect to any qualified military service In addition your survivors may be eligible to receive benefits or service credit if you die while performing qualified military service Limits on Contributions The amount that may be contributed to the Plan on your behalf in any year is limited to a fixed dollar amount 61 000 in 2022 This dollar limit is indexed therefore it may increase each year for cost of living adjustments In addition contributions cannot exceed 100 of your total Plan Compensation COMPENSATION Plan Compensation Plan Compensation means wages that are shown as taxable wages on your IRS Form W 2 For any self employed individual Plan Compensation will mean earned income For purposes of allocating Employer Matching Contributions Non Elective Contributions and Qualified Non elective Contributions Plan Compensation is determined over the Plan Year For purposes of Elective Deferral Contributions Employer Matching Contributions and Non Elective Contributions the following adjustments will be made to the definition of Plan Compensation Plan Compensation will include any amount you elect to defer on a tax preferred basis to any Employer benefit plan Plan Compensation will include only that compensation which is actually paid to you by the Employer during that part of the Plan Year that you are eligible to participate in the Plan No more than 305 000 in 2022 of Plan Compensation may be taken into account in determining your benefits under the Plan This dollar limit is indexed therefore it may increase each year for cost of living adjustments VESTING 4 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Elective Deferral Account Rollover Contribution Account and Qualified Non Elective Contribution Account You are always fully 100 vested in your Elective Deferral Account Rollover Contribution Account and Qualified Non Elective Contribution Account Employer Matching Contribution Account and Non Elective Contribution Account Your interest in your Employer Matching Contribution Account and Non Elective Contribution Account will vest based on your Years of Vesting Service defined below in accordance with the following schedule Vesting Percentage Years of Vesting Service Less than Two Years Two Years but less than Three Years Three Years but less than Four Years Four Years but less than Five Years Five Years but less than Six Years Six or More Years 0 20 40 60 80 100 However if the Employer must make a matching contribution to your Account in order to satisfy certain nondiscrimination tests required by the Internal Revenue Code you will be 100 vested in those matching contributions Special Vesting Rules You will become fully 100 vested upon your attainment of Normal Retirement Age defined in the Distributions section below while an employee your death while an employee or becoming disabled while an employee Forfeitures If You Receive a Distribution If your employment with the Employer terminates and you receive a distribution of the entire vested portion of your Account you will forfeit the nonvested portion of your Account If the value of your vested Account balance is zero you will be deemed to have received a distribution of your Account If You Do Not Receive a Distribution If your employment with the Employer terminates and you do not receive a complete distribution of the vested portion of your Account you will forfeit the nonvested portion of your Account after the date you incur five consecutive One Year Breaks in Service Reemployment If you receive or are treated as receiving a distribution and you resume employment the amounts you have forfeited if any will be restored to your Account if you repay the full amount of the previous distribution before the earlier of five 5 years after the first date on which you are subsequently reemployed or the date you incur five 5 consecutive One Year Breaks in Service following the date of the distribution 5 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Year of Vesting Service Year of Vesting Service means a Plan Year during which you complete 501 hours of service during the Plan Year If you are an employee whose hours are not tracked you will be credited with forty five 45 hours of service for each week or partial week of service with the Employer All of your Years of Vesting Service with the Employer are counted except Years of Vesting Service before you reach age eighteen 18 Service with Pratt Internal Medicine Group will be treated as service with the Employer for vesting purposes DISTRIBUTIONS Commencement of Distributions Termination of Employment You are entitled to receive a distribution from your Account after you terminate employment This includes termination due to Disability The distribution will start at the time specified in the section titled Timing and Form of Payment below Late Retirement If you continue working for the Employer after your Normal Retirement Age your participation under the Plan will continue and your benefits will begin following the date you terminate employment You generally may not begin distributions until the time specified in the section titled Timing and Form of Payment below Death If you die your beneficiary will become entitled to receive your vested Account balance The distribution will start at the time specified in the section titled Timing and Form of Payment below Normal Retirement Age Normal Retirement Age means the date you reach age 65 Timing and Form of Payment Distribution for Reasons Other Than Death If you become entitled to receive your benefit for any reason other than death your Account will be distributed in a lump sum payment This is your normal form of payment In addition to the normal form of payment distributions from the Plan after termination of employment for reasons other than death may be made in a lump sum payment or substantially equal annual or more frequent installments over a period not to exceed the joint life expectancy of you or your Beneficiary Payment of your vested Account may start as soon as administratively feasible with a final payment made consisting of any allocations occurring after your termination of employment Your Account is payable in cash Distribution on Account of Death If you die before distribution of your Account begins distribution of your entire Account must be completed no later than the end of the Plan Year following the Plan Year of the participant s death 6 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Your beneficiary will be entitled to a distribution in any form that is available to you prior to your death Force Out After your termination of employment from the Employer if the vested amount of your Account does not exceed 5 000 your vested Account balance will be distributed from the Plan You may elect to 1 receive this distribution in cash or 2 roll over the distribution to an individual retirement account IRA or the qualified plan of your new employer but only if your new employer s plan allows such rollovers However if you do not timely return your election forms the following will apply if the vested amount of your Account balance is less than or equal to 1 000 your vested Account will be distributed to you in cash If your vested Account balance is more than 1 000 but does not exceed 5 000 the Plan Administrator will transfer your vested Account to an IRA established in your name unless the distribution occurs after the Required Beginning Date This mandatory distribution will be invested in an IRA designed to preserve principal and provide a reasonable rate of return and liquidity For further information concerning the Plan s automatic rollover provisions the IRA provider and the fees and expenses attendant to the individual retirement plan please contact the Plan Administrator at the phone number found in the ADMINISTRATIVE INFORMATION section at the end of this Summary Plan Description If the vested amount of your Account exceeds 5 000 you must consent to any distribution of your Account However the Plan Administrator will commence distribution of your vested Account balance without your consent at the time that payments must begin under applicable federal law generally the April 1 following the later of the calendar year in which you attain age 72 age 70 1 2 if you turned 70 1 2 on or before December 31 2019 or you terminate employment However you may elect to begin distributions on the April 1 following the calendar year in which you attain age 72 age 70 1 2 if you turned 70 1 2 on or before December 31 2019 even if you have not yet terminated employment Special rules apply to persons who are deemed to own more than 5 of the Employer Beneficiary You have the right to designate one or more primary and one or more secondary Beneficiaries to receive any benefit becoming payable upon your death Your spouse provided you have been married at least one year must be your sole primary beneficiary unless he or she consents to the designation of another beneficiary You may designate a beneficiary of your Plan account on the Start Right website at www startright bokf com or by calling a Participant Services Representative at 1 800 876 9557 If you fail to designate a beneficiary or in the event that all designated primary and secondary beneficiaries die before you the death benefit will be payable in the following order of priority 1 your surviving spouse and if no surviving spouse 2 your surviving children including adopted children in equal shares by right of representation one share for each surviving child and one share for each child who predeceases you with living descendants and if none to 3 your surviving parents in equal shares and if none to 4 your estate A beneficiary designation to a spouse provided you have been married at least one year shall be automatically revoked upon the legal divorce of the Participant from the spouse IN SERVICE DISTRIBUTIONS AND LOANS 7 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Hardship Distributions General Rule You may receive a distribution on account of hardship from the vested portion of your Elective Deferral Account Your Roth Contributions may be withdrawn on account of financial hardship in the same manner as your normal Elective Deferral Contributions Please note however that the income on the Roth Contributions may be taxable and subject to penalties for early withdrawal if the withdrawal is not a qualified distribution Immediate and Heavy Financial Need You may receive a hardship distribution only if the Plan Administrator finds that you have an immediate and heavy financial need where you lack other available resources The following are the only financial needs considered immediate and heavy 1 Expenses incurred or necessary for medical care described in Code section 213 d for you or your spouse children or dependents 2 The purchase excluding mortgage payments of a principal residence for the Participant 3 Payment of tuition and related educational fees for the next 12 months of post secondary education for you or your spouse children or dependents 4 The need to prevent the eviction of you from your principal residence or a foreclosure on the mortgage on your principal residence 5 Payments for burial or funeral expenses for your deceased parent spouse children or dependents 6 Expenses for the repair of damage to your principal residence that would qualify for the casualty deduction or 7 Expenses incurred on account of a federally declared disaster Amount Necessary to Satisfy Need A distribution will be considered as necessary to satisfy your immediate and heavy financial need only if 1 You have obtained all distributions other than hardship distributions under all plans maintained by the Employer 2 The distribution is not in excess of the amount of an immediate and heavy financial need including amounts necessary to pay any federal state or local income taxes or penalties reasonably anticipated to result from the distribution 3 You have represented in writing or by electronic medium that you have insufficient cash or other liquid assets to satisfy the financial need Attainment of Age 59 1 2 You may receive a distribution after you reach age 59 1 2 from the vested portion of all of your 8 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Accounts Your Roth Contributions may be withdrawn in the same manner as your normal Elective Deferral Contributions Please note however that the income on the Roth Contributions may be taxable and subject to penalties for early withdrawal if the withdrawal is not a qualified distribution Withdrawals at Any Time You may receive a distribution from your Rollover Contribution Account at any time Reservist Distributions If you are a military reservist called to active duty for a period in excess of 179 days or for an indefinite period you may receive a distribution from the Plan while still employed from amounts attributable to Elective Deferral Contribution elections and Catch up Contributions You must take the distribution during the period beginning on the date of your call up and ending at the close of the active duty period In addition you must have been called to active duty after September 11 2001 Deemed Severance Distributions If you are a member of the military called to active duty for a period in excess of 30 days you may receive a distribution from the Plan while still employed from amounts attributable to Elective Deferral Contribution elections and Catch up Contributions Your Elective Deferral Contributions and Catch up Contributions if applicable will be suspended for 6 months after the receipt of the Deemed Severance Distribution In Plan Roth Rollovers of Amounts Not Otherwise Distributable If you have money in a non Roth Account which is not otherwise distributable you may transfer the Account balance to a Roth after tax Account under this Plan If you transfer the payment to a designated Roth account in this Plan the amount of the payment transferred reduced by any after tax amounts directly rolled over will be taxed However the 10 additional tax on early distributions will not apply unless you take the amount transferred out of the designated Roth account within the 5 year period that begins on January 1 of the year of the rollover Any amount you transfer will retain the restrictions on distributions the Account had before the transfer Please note the following conditions apply 1 the minimum amount that may be transferred is 1 000 2 the transfers may only be made from accounts which are fully Vested and 3 the Participant must be an active Eligible Employee at the time of the transfer Qualified Birth or Adoption Distribution Effective July 31 2022 you may receive an in service distribution on account of a qualified birth or adoption distributions from the vested portion of your account The following criteria must be satisfied 1 Amount cannot exceed 5 000 per child 2 Distribution must be made during the 1 year period beginning on the date your child ren is born or when the legal adoption of an eligible adoptee is finalized 9 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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3 An eligible adoptee is any individual other than child of the Participant s spouse who has not attained 18 or is physically or mentally incapable of self support Rules Regarding In Service Distributions The Plan Administrator may establish uniform procedures that include but are not limited to prescribing limitations on the frequency and minimum amount of withdrawals All distributions will be made in the form of a single sum as soon as practicable following the valuation date as of which such withdrawal is made Only Employees are eligible to receive in service distributions Loans The Plan Administrator in its discretion may permit Participants to apply for a loan from the Plan The Plan Administrator may further adopt any administrative rules or procedures that it deems necessary or appropriate with respect to the granting and administering of loans Please contact the Plan Administrator for a copy of the Loan Policy for more information regarding taking a loan from the Plan You may request a loan on the Start Right website at www startright bokf com or by calling a Participant Services Representative at 1 800876 9557 INVESTMENTS Participant Self Direction In General The Plan Administrator allows you to direct the investment of all of your Accounts The Plan Administrator may establish uniform guidelines and procedures relating to Participant self direction Investment Elections You may direct the percentage of your Accounts to be invested in one or more of the available investment funds Your elections will be subject to such rules and limitations as the Plan Administrator may prescribe After your death your beneficiary may make investment elections as if the beneficiary were the Participant However the Plan Administrator may restrict investment transfers to the extent required to comply with applicable law For purposes of making changes to your investment elections you should access the Start Right Website at www startright bokf com or call a Participant Service Representative at 1 800 876 9557 You will need your social security number and your personal identification number to access your account Information will be provided regarding your investment direction options and the frequency with which you may change your investment direction The Trustee will invest your account balances under the Plan in accordance with your direction Investment Decisions The Plan is intended to constitute a plan described in section 404 c of ERISA This means that Plan fiduciaries may be relieved of liability for any of your losses that are the result of your investment elections 10 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Voting Rights You may not direct the Trustee as to the exercise of voting rights with respect to any Trust Fund Investment Valuation Dates Accounts are valued each business day SPECIAL TOP HEAVY RULES Minimum Allocations If the Plan is Top Heavy the Employer will generally allocate a minimum of 3 of your Plan Compensation to the Plan if you are a Participant who is i employed by the Employer on the last day of the Plan Year and ii not a key employee Please note if you are covered by a collective bargaining agreement you will not share in Top Heavy minimum allocations provided retirement benefits were the subject of good faith bargaining Minimum Vesting If you complete an hour of service while this Plan is Top Heavy your vested percentage will be determined under the schedule s provided for the section entitled Vesting CLAIMS PROCEDURES Application for Benefits You or any other person entitled to benefits from the Plan a Claimant may apply for such benefits by completing and filing a claim with the Plan Administrator Any such claim must be in writing and must include all information and evidence that the Plan Administrator deems necessary to properly evaluate the merit of and to make any necessary determinations on a claim for benefits The Plan Administrator may request any additional information necessary to evaluate the claim Timing of Notice of Denied Claim The Plan Administrator will notify the Claimant of any adverse benefit determination within a reasonable period of time but not later than 90 days 45 days if the claim relates to a disability determination after receipt of the claim This period may be extended one time by the Plan for up to 90 days 30 additional days if the claim relates to a disability determination provided that the Plan Administrator both determines that such an extension is necessary due to matters beyond the control of the Plan and notifies the Claimant prior to the expiration of the initial review period of the circumstances requiring the extension of time and the date by which the Plan expects to render a decision If the claim relates to a disability determination the period for making the determination may be extended for up to an additional 30 days if the Plan Administrator notifies the Claimant prior to the expiration of the first 30 day extension period Content of Notice of Denied Claim If a claim is wholly or partially denied the Plan Administrator will provide the Claimant with a written notice identifying 11 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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1 The reason or reasons for such denial 2 The pertinent Plan provisions on which the denial is based 3 Any material or information needed to grant the claim and an explanation of why the additional information is necessary and 4 An explanation of the steps that the Claimant must take if he wishes to appeal the denial including a statement that the Claimant may bring a civil action under ERISA Appeals of Denied Claim If a Claimant wishes to appeal the denial of a claim he must file a written appeal with the Plan Administrator on or before the 60th day 180th day if the claim relates to a disability determination after he receives the Plan Administrator s written notice that the claim has been wholly or partially denied The written appeal must identify both the grounds and specific Plan provisions upon which the appeal is based The Claimant will be provided upon request and free of charge documents and other information relevant to his claim A written appeal may also include any comments statements or documents that the Claimant may desire to provide The Plan Administrator will consider the merits of the Claimant s written presentations the merits of any facts or evidence in support of the denial of benefits and such other facts and circumstances as the Plan Administrator may deem relevant The Claimant will lose the right to appeal if the appeal is not timely made The Plan Administrator will ordinarily rule on an appeal within 60 days 45 days if the claim relates to a disability determination However if special circumstances require an extension and the Plan Administrator furnishes the Claimant with a written extension notice during the initial period the Plan Administrator may take up to 120 days 90 days if the claim relates to a disability determination to rule on an appeal Denial of Appeal If an appeal is wholly or partially denied the Plan Administrator will provide the Claimant with a notice identifying 1 The reason or reasons for such denial 2 The pertinent Plan provisions on which the denial is based 3 A statement that the Claimant is entitled to receive upon request and free of charge reasonable access to and copies of all documents records and other information relevant to the Claimant s claim for benefits and 4 A statement describing the Claimant s right to bring an action under section 502 a of ERISA The determination rendered by the Plan Administrator will be binding upon all parties Determinations of Disability If the claim relates to a disability determination determinations of the Plan Administrator will include the information required under applicable United States Department of Labor regulations Claims Procedures The Plan has a contractual statute of limitations as follows No lawsuit or other legal action to recover benefits under the Plan or to enforce or clarify rights under the Plan may be brought by any claimant regarding any matter pertaining to the Plan unless the lawsuit of other legal action is commenced in the proper forum on 12 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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or before the last day of the thirty sixth 36th month beginning after the date the claimant filed an initial claim with respect to such benefits or rights YOUR RIGHTS UNDER ERISA As a participant you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 ERISA This federal law provides that you have the right to Examine without charge at the Plan Administrator s office and at other specified locations such as worksites and union halls all documents governing the Plan including insurance contracts and collective bargaining agreements and a copy of the latest annual report Form 5500 Series filed by the Plan with the U S Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration Obtain upon written request to the Plan Administrator copies of documents governing the operation of the Plan including insurance contracts and collective bargaining agreements and copies of the latest annual report Form 5500 Series and updated Summary Plan Description The Plan Administrator may make a reasonable charge for the copies Receive a summary of the Plan s annual financial report The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report Obtain once a year a statement from the Plan Administrator regarding your Accrued Benefit under the Plan and the nonforfeitable vested portion of your Accrued Benefit if any This statement must be requested in writing and is not required to be given more than once every 12 months The Plan must provide the statement free of charge In addition ERISA imposes duties upon the people who are responsible for the operation of the Plan The people who operate the Plan called fiduciaries of the Plan have a duty to do so prudently and in the interest of you and other Plan participants and beneficiaries No one including your employer your union or any other person may fire you or otherwise discriminate against you in any way to prevent you from obtaining your benefits or exercising your rights under ERISA If your claim for a benefit is denied or ignored in whole or in part you have a right to know why this was done to obtain copies of documents relating to the decision without charge and to appeal any denial all within certain time schedules Under ERISA there are steps you can take to enforce the above rights For instance if you request a copy of plan documents or the latest annual report from the Plan and do not receive them within 30 days you may file suit in a Federal court In such a case the court may require the Plan Administrator to provide the materials and pay you up to 110 a day until you receive the materials unless the materials were not sent because of reasons beyond the control of the Plan Administrator If you have a claim for benefits which is denied or ignored in whole or in part you may file suit in a state or Federal court In addition if you disagree with the Plan s decision or lack thereof concerning the qualified status of a domestic relations order you may file suit in Federal court If it should happen that Plan fiduciaries misuse the Plan s money or if you are discriminated against for asserting your rights you may seek assistance from the U S Department of Labor or you may file suit in a Federal court The 13 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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court will decide who should pay court costs and legal fees If you are successful the court may order the person you have sued to pay these costs and fees If you lose the court may order you to pay these costs and fees for example if it finds your claim is frivolous If you have any questions about the Plan you should contact the Plan Administrator If you have any questions about this statement or about your rights under ERISA or if you need assistance in obtaining documents from the Plan Administrator you should contact the nearest office of the Employee Benefits Security Administration U S Department of Labor listed in your telephone directory or the Division of Technical Assistance and Inquiries Employee Benefits Security Administration U S Department of Labor 200 Constitution Avenue N W Washington D C 20210 You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration MISCELLANEOUS Domestic Relations Orders Under certain circumstances a court may issue a domestic relations order assigning a portion of your benefits under the Plan to a spouse former spouse child or other dependent The Plan Administrator will determine whether the order is a qualified domestic relations order QDRO If the Plan Administrator determines that the order is a QDRO it will implement the terms of the QDRO and divide your Account accordingly You may obtain without charge a copy of the Plan s QDRO procedures from the Plan Administrator Disability Under this Plan you are disabled if you are unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment that can be expected to result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months The permanence and degree of such impairment must be supported by medical evidence Assignment and Alienation of Benefits Except as provided below your Account is held in trust and cannot be assigned and to the extent permitted by law is not subject to any form of attachment garnishment sequestration or other actions of collection You may not alienate anticipate commute pledge encumber or assign any of the benefits or payments which you may expect to receive contingently or otherwise under the Plan except that you may designate a beneficiary However you may lose all or part of your balance 1 Pursuant to the terms of a QDRO 2 To comply with any federal tax levy or 14 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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3 To comply with the provisions and conditions of a judgment order decree or settlement agreement between you and the Secretary of Labor or the Pension Benefit Guaranty Corporation relating to your violation or alleged violation of ERISA fiduciary responsibilities Amendment and Termination Although the Employer intends to maintain the Plan indefinitely the Employer may amend or terminate the Plan at any time in its sole discretion If any of these actions is taken you will be notified However no such action may permit any part of Plan assets to be used for any purpose other than the exclusive benefit of participants and beneficiaries or cause any reduction in your vested Account balance as of the date of the amendment or termination If the Plan is terminated all amounts credited to your Account will become 100 vested Fees Your Account may be charged for some or all of the costs and expenses of operating the Plan Such expenses include but are not limited to investment expenses and costs to process loans Plan distributions and QDROs For specific information regarding the fees that are charged by the Plan please contact the Plan Administrator Insurance The Plan is not insured by the Pension Benefit Guaranty Corporation PBGC because it is not a defined benefit pension plan Administrator Discretion The Plan Administrator has the authority to make factual determinations to construe and interpret the provisions of the Plan to correct defects and resolve ambiguities in the Plan and to supply omissions to the Plan Any construction interpretation or application of the Plan by the Plan Administrator is final conclusive and binding Plan Not a Contract of Employment The Plan does not constitute and is not to be deemed to constitute an employment contract between the Employer and any employee or an inducement or condition of employment of any employee Nothing in the Plan is to be deemed to give any employee the right to be retained in the Employer s service or to interfere with the Employer s right to discharge any employee at any time Waiver Any failure by the Plan or the Plan Administrator to insist upon compliance with any of the Plan s provisions at any time or under any set of circumstances does not operate to waive or modify the provision or in any other manner render it unenforceable as to any other time or as to any other occurrence whether the circumstances are the same or different No waiver of any term or condition of the Plan is valid or of any force or effect unless it is expressed in writing and signed by a person authorized by the Plan Administrator to grant a waiver 15 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

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Errors Any clerical or similar error by the Plan Administrator cannot give coverage under the Plan to any individual who otherwise does not qualify for coverage under the Plan An error cannot give a benefit to an individual who is not actually entitled to the benefit ADMINISTRATIVE INFORMATION 1 The Plan Sponsor and Plan Administrator is Pratt Regional Medical Center Address 200 Commodore Street Pratt Kansas 67124 Phone number 620 450 1170 Employer Identification Number 48 1058737 2 The Plan is a 401 k profit sharing plan The Plan number is 002 3 The Plan s designated agent for service of legal process is the head of the organization named in item 1 Any legal papers should be delivered to such person at the address listed in item 1 However service may also be made upon the Plan Administrator or a Trustee 4 The Plan s assets are held in a trust created under the terms of the Plan The Trustee is BOKF NA as Directed Trustee 5 The Employer s fiscal year ends on 09 30 and the Plan Year ends on 12 31 6 If the Plan is established or maintained by two or more employers you can obtain a complete list of the employers sponsoring the Plan upon written request to the Plan Administrator this list is also available for examination by participants and beneficiaries you may also receive from the Plan Administrator upon written request information as to whether a particular employer is a sponsor of the Plan and if the employer is a plan sponsor the sponsor s address 7 The Plan Administrator names the Chief Financial Officer of the Plan Sponsor as the special Trustee who determines and collects contributions This special Trustee shall have the sole duty and responsibility for the determination of the accuracy or sufficiency of the contributions to be made under the Plan the transmittal of the same to the Trustee and compliance with any statute regulation or rule applicable to contributions In no event will any other Trustee designated in a separate Plan Trust Agreement have any duty or responsibility in this regard unless such Trustee expressly agrees to assume such duty or responsibility 16 Copyright 2002 2022 CCH Incorporated DBA ftwilliam com

PRMC 401(k) Summary Plan Description

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