Pre-65 Health Insurance:

If you are under age 65 when you retire, you may continue your Health Insurance if you meet at least one of the following requirements:

1. You retire between age 55-59 with at least 25 years of continuous service and were 40 years old as 1/1/1994.
2. You are at least age 60 at retirement and completed 10 or more years of continuous full-time service; or
3. You retire with 40-years of service, regardless of age.

Coverage can be maintained until you turn 65 and as long as premiums are paid.

Spouse and Dependents continuous of Pre-65 coverage: If your spouse and/or dependent(s) is currently covered under your active health plan, coverage may be continued as long as you pay the required premium. Coverage can be continued until the earlier of whichever comes first:

1. For a maximum of five years from the date you become eligible for Medicare based on your age; or
2. Until your spouse becomes eligible for Medicare based on your spouse's age and/or dependent child turns age 26. (Coverage will end at the end of the month).

Dental/Vision Insurance:

Your coverage under the Direct Reimbursement Dental and Vision plan will end at the end of the month in which you have paid. You will receive a separate letter explaining your rights under COBRA within 30 days of your loss of coverage.

Life Insurance:

Group Life Insurance can be continued at retirement if you meet at least one of the following requirements at retirement:

1. You completed 40 years of continuous service (with at least 20 years being full-time), regardless of age; or
2. You are at least age 60, and your age plus years of continuous service equals 80+

If you meet the requirements for continuation of your Group Life Insurance with the company paying the premiums, the amount in force will be reduced.

Profit Sharing:

You are automatically enrolled in the Profit Sharing Plan either January 1 or July 1, after you have completed one year of service.

Aon Pension Services:

Effective December 31, 2016, the Plan is frozen entirely. As a general matter, no Team Members entered the Plan as new participants if hired by the Company after December 31, 2015.

However, if you participated in the Plan on or prior to December 31, 2016, you will still have a right to all of your vested retirement benefits and you can continue to earn Years of Service to: (1) vest in any unvested retirement benefits, and (2) become eligible to retire at a time earlier than your Normal Retirement Date.

Starting in 2012 and after, you are required to complete 1,000 Hours of Service in order to get a Year of Participation Credit. For purposes of determining your actual (but not your projected) Years of Participation Credit for calculating your monthly benefit payable at your Normal Retirement Date, only Years of Participation Credit earned through December 31, 2016, will be counted. Prior to 2012, your Years of Participation were not dependent on the number of Hours of Service that you worked.

Pension administrative services for the White Castle Pension Plan is with Aon.

401(k):

• Deferral Eligibility: First of the month following 30 days of employment.
• Match Eligibility: One year of employment and 1,000 hours worked.
• Company Match: 100% of the first 3% and 50% of the next 2%. All contributions are 100% vested.