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TTEC 401(k) Profit Sharing Plan

Hardship Withdrawal Letter of Instruction

Dear Plan Participant:

You have requested a hardship withdrawal from your Plan account. Only individuals who have an immediate and heavy financial need are eligible for hardship withdrawals. Hardship withdrawals are limited to the amount necessary to satisfy that need. Before you go further, you should understand your responsibilities in requesting the hardship withdrawal and completing the enclosed form: 1. Your Plan restricts hardship withdrawals to certain specific hardship circumstances. Your hardship must be due to one of those circumstances.

2. You must have supporting documents that prove your specific hardship. 3. You must submit these documents to support your hardship withdrawal. If you wish to complete a hardship withdrawal request, please read this letter carefully, complete the enclosed form, and return it (with additional documents) to the address listed below. Hardship Circumstances

Consistent with Plan provisions and Internal Revenue Service (“IRS”) guidelines, in order to receive a withdrawal from your Plan account due to a financial hardship, your hardship must be due to one or more of the following circumstances:

• Medical expenses for you, your spouse, and/or qualifying dependent* that are not reimbursed by insurance and are otherwise deductible for federal income tax purposes under Internal Revenue Code Section 213(d) (regardless of whether the expenses exceed 10% of adjusted gross income)

• Costs directly related to the purchase (excluding mortgage payments, refinancing, and loans for purchase of land only) of your principal residence

• Payment of tuition, related educational fees, and room and board expenses, for the next 12 months of post-secondary education for you, your spouse, your child, and/or qualifying dependent*

• Payments necessary to prevent eviction from, or foreclosure on the mortgage of, your principal residence

• Payment for burial or funeral expense for your deceased parent, your spouse, your child, and/or qualifying dependent*

• Expenses for the repair of damage to your principal residence that would qualify for the casualty deduction under Internal Revenue Code Section 165 (regardless of whether the loss exceeds 10% of your adjusted gross income and without regard to whether the loss is attributable to a federally declared disaster)

*Qualifying dependent is an individual that meets the definition of “dependent” as set forth in Internal Revenue Code Section 152 as either a qualifying child or a qualifying relative. Generally, a qualifying child is an individual (i) who is your child (or a descendant of such a child), a brother, sister, stepbrother, or stepsister of the participant or a descendant of any such relative; (ii) who has not attained age 19 as of the close of the calendar year in which the taxable year of the participant (taxpayer) begins or is a student who has not attained age 24 as of the close of such calendar year (iii) who has lived with you for more than half of the year; (iv) who has not provided more than half of his or her own support; and (v) 106263TTH7 (Rev. 11/03/2020)

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who is not filing a joint return for the year with a spouse (other than only for a claim for refund). The age requirement in (ii) shall be treated as met in the case of a dependent who is permanently and totally disabled at any time during such calendar year. Generally, a qualifying relative is an individual (i) who is a child (or a descendant of a child), brother, sister, stepbrother, stepsister, father, mother (or ancestor of father or mother), stepfather, stepmother, son or daughter of a brother or sister of the participant, brother or sister of the father or mother of the participant, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, sister-in-law, or an individual who, for the taxable year of the participant, has the same principal place of abode as the participant and is a member of the participant’s household; (ii) with respect to whom the participant provides over one-half of the individual’s support for the calendar year taxable year begins; and (iii) who is not a qualifying child of such participant or of any other taxpayer for any taxable year beginning in the calendar year in which such taxable year begins. The information above is meant to be a general description. Please consult your professional tax advisor regarding your particular situation.

Supporting Document Requirements

In order for your hardship withdrawal request to be processed, you must complete the information requested on the form. In addition, you must provide appropriate supporting documents that prove the existence and amount of your financial hardship. The enclosed document, Hardship Withdrawal Documentation Requirements, includes the type of supporting documents that you are required to provide at the time of your hardship withdrawal request to prove your financial hardship. Misrepresentation of a hardship or providing false or misleading information in connection with a hardship withdrawal request from the Plan is serious and could subject you to personal liability, disciplinary action, and/or claims for restitution. Additional Requirements

Prior to requesting a hardship withdrawal from your plan account, you must first take all other currently available withdrawals under the plan and all other plans of deferred compensation, whether qualified or nonqualified in which you participate.

The amount of your hardship withdrawal may not exceed the amount necessary to satisfy your financial need. If the amount requested is greater than the current amount you have available for a hardship withdrawal under the Plan’s guidelines, 100% of what is available for a hardship withdrawal from your Plan account will be distributed. To obtain the amount you have available for a hardship withdrawal, please contact T. Rowe Price at 1-800-***-****. You may also contact your Plan Administrator. There is a $500 minimum hardship withdrawal amount and no limit to the number of hardship withdrawal(s) you may request.

If your hardship withdrawal request is accepted, the actual amount of the withdrawal may vary from the amount initially requested due to changes in the securities market that impact the value of your Plan account. If market fluctuations cause the amount available to be lower than the amount of your hardship withdrawal request, your hardship withdrawal will be processed at the lower amount. Please note that some fund families assess redemption fees on withdrawals if shares are held for less than a designated period. The amount of the redemption fees may vary. For more information on redemption fees, please consult each fund’s prospectus or call 1-800-***-****. When you request a hardship withdrawal from a fund that assesses a redemption fee, any redemption fee paid to the fund will be deducted from your requested withdrawal amount. The redemption fee paid to the fund is not treated as a distribution to you for tax purposes.

Income Tax and Withholding

If your hardship withdrawal request is approved, the money you will receive is not eligible for rollover and the 106263TTH7 (Rev. 11/03/2020)

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taxable portion is subject to 10% federal income tax withholding unless you elect otherwise, as indicated on the form. Your withdrawal may also be subject to state income tax withholding, as applicable. Withholding will apply only to the taxable portion of your hardship withdrawal. In addition, your withdrawal may be subject to a 10% penalty tax if you are under age 59 . You should consult a tax advisor with specific questions about your personal situation if you are considering a hardship withdrawal from your Plan account.

Gross-Up Elections

You may request that the amount of your hardship withdrawal be increased to cover the amount of federal and state income tax withholding on your hardship withdrawal. If the amount requested, plus the gross-up for income tax withholding (if applicable), is greater than the current amount you have available for a hardship withdrawal under the Plan’s guidelines, 100% of what is available for a hardship withdrawal from your Plan account will be distributed.

Please review all materials carefully, and complete the Hardship Request Form. Make a copy of the signed form for your records, and return the original and the required supporting documentation to: Regular Mail Overnight/Express Mail

T. Rowe Price Retirement Plan Services, Inc. T. Rowe Price Retirement Plan Services, Inc. Special Attn.: Forms Enclosed Mail Code: 17215

P.O. Box 17215 4515 Painters Mill Road

Baltimore, Maryland 21297-1215 Owings Mills, Maryland 21117-4903 If your hardship request is accepted, the funds will be distributed approximately two business days after the withdrawal has been processed from your account. If the request is denied, you will be notified. A confirmation letter will be mailed to your address of record detailing the type of withdrawal and payee information. If you have any questions, please contact T. Rowe Price at 1-800-***-****. For TDD access, call 1-800-***-****. You may also access your account by visiting the T. Rowe Price website at rps.troweprice.com, available 24 hours a day.

Sincerely,

T. Rowe Price Retirement Plan Services, Inc.

A service fee will be charged to and withdrawn from your account for each wire requested. To learn more about the specific fee amount, reference the Plan and Investment Disclosure. 106263TTH7 (Rev. 11/03/2020)

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Participant Information (Please print clearly)

Name Social Security Number

Street Address

City, State, ZIP Code

Daytime Phone Number Evening Phone Number Date of Birth Hardship Request

I hereby request a withdrawal of $ from the above plan due to the financial hardship indicated below. This amount should be equal to the amount of your immediate need (including any amounts necessary to pay any federal or state income tax withholding or penalties reasonably anticipated to the result from the distribution). If the amount requested is greater than the amount available, then your requested withdrawal amount will be equal to the total amount available for the hardship withdrawal.

1. I certify that my hardship withdrawal request is for the reason indicated below: Medical expenses for myself, my spouse, and/or my qualifying dependents that are unreimbursed by insurance and otherwise deductible for federal income tax purposes under Code Section 213(d). Costs directly related to the purchase (excluding mortgage payments, refinancing, and loans for purchase of land only) of my principal residence.

Payment of tuition, related educational fees, and room and board expenses for the next 12 months of post-secondary education for myself, my spouse, my child, and/or my qualifying dependents. Payments necessary to prevent eviction from, or foreclosure on the mortgage of, my principal residence. Payment for burial or funeral expenses for my parent, my spouse, my child, and/or my qualifying dependents. Expenses for the repair of damage to my principal residence that would qualify for the casualty deduction under Code Section 165 (regardless of whether the loss exceeds 10% of your adjusted gross income and without regard to whether the loss is attributable to a federally declared disaster). 2. I certify that the amount I have requested as a hardship withdrawal is no larger than the amount of my immediate need described in 1 above. I further certify that:

• I have obtained all other available distributions under the plans of the employer (deferred compensation plans qualified or non-qualified). This includes all currently available distributions but not hardship distributions.

• I have insufficient cash or other liquid assets to satisfy the immediate financial need described above. Income Tax Withholding

Hardship withdrawals are not eligible for rollover. Therefore, 10% will be withheld from your hardship withdrawal as a credit against your federal taxes unless you elect otherwise. Your withdrawal also may be subject to state taxes and an additional 10% penalty tax if you are under age 59 . Federal withholding will apply only to the taxable portion of your withdrawal.

If you are a nonresident alien, 30% will be withheld from your hardship withdrawal as a credit against your federal taxes unless you have a valid IRS Form W8-BEN on file with T. Rowe Price or submit a Form W8-BEN with this hardship withdrawal request.

1. You may elect to not have withholding apply to your hardship withdrawal by checking the applicable box below. Federal tax withholding will be 10% unless you elect otherwise: 106263TTH7 (Rev. 11/03/2020)

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I elect NO federal income taxes to be withheld.

OR

I elect 10% federal income tax withholding plus the additional amount I have indicated here .

(Note: If you are under age 59, your withdrawal may be subject to a 10% penalty tax; you may want to consider that when making your election above.)

2. You may elect to have a fixed amount of state withholding applied to your withdrawal, or elect to not have state withholding apply to your withdrawal by checking the applicable box below; however, state income tax withholding will be applied, in any event, to the extent required by law. I elect NO state income taxes to be withheld unless required by law. I elect voluntary state income tax withholding in the amount I have indicated here . Gross-Up Election

If taxes are withheld, you may elect to gross-up or increase the withdrawal (to the extent amounts are available) to cover federal and state withholding on the withdrawal by checking the applicable box below. The amount of the withdrawal you requested will be increased by the amount of your withholding elected above. The gross-up amount will be sent to the appropriate taxing jurisdiction as withholding. You will receive the lesser of the amount needed to satisfy your financial hardship or the amount available for withdrawal less the amount withheld for taxes. If you do not elect the gross-up option, your hardship amount will be reduced by the taxes you have elected to have withheld or that are required to be withheld. As a result, the net amount of your hardship withdrawal may be less than the amount you need.

I elect to gross-up my hardship withdrawal for the federal and state income tax withholding elected above. Payment Information

Please send check to my address of record.

Please send wire to:*

Wire Information:

Bank/Financial Institution Name:

ABA Number (nine digits):

Account Name:

Account Number:

Further Credit to:

Participant Account Name:

Note: IF YOU ELECT PAYMENT BY WIRE, YOU MUST RETURN A VOIDED CHECK WITH YOUR COMPLETED FORM. To wire proceeds to a personal bank account, you must be listed as an owner of that account. The bank account registration on the voided check will be used to confirm wiring instructions and confirm that you are listed as an owner of the bank account.

By signing this form below, you agree that if a voided check is not attached, T. Rowe Price is not required to send the withdrawal proceeds by wire and may instead, without prior notice to you, send the proceeds by check to your address of record.

*Check with your bank or financial institution to obtain complete wiring instructions; please note that there may be a fee for accepting wires.

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A service fee will be charged to and withdrawn from your account for each wire requested. To learn more about the specific fee amount, reference the Plan and Investment Disclosure. Participant’s Signature

By signing below, I agree to the understanding set forth above and I certify that the information provided on this form is true, accurate, and complete to the best of my knowledge. I understand that any false or misleading information submitted on this form or maintained and provided by me for this hardship request may subject me to personal liability, disciplinary action, and/or claims for restitution. Date Participant’s Signature

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HARDSHIP WITHDRAWAL DOCUMENTATION REQUIREMENTS

In order for your hardship withdrawal request to be processed, you must complete the information requested on the form. In addition, you must provide appropriate supporting documents that prove the existence and amount of your financial hardship. This document includes the supporting documents that you are required to provide at the time of your hardship withdrawal request to prove your financial hardship. Misrepresentation of a hardship or providing false or misleading information in connection with a hardship withdrawal request from the Plan is serious and could subject you to personal liability, disciplinary action, and/or claims for restitution.

MEDICAL EXPENSES

Medical expenses incurred by you for you, your spouse, or your qualifying dependents will be considered for this hardship. You will need to provide proof of the amount due and proof that the amount due is your responsibility. Proof of Amount Due - provide a current statement from the medical provider that states the amount due and date due. AND

Proof That Amount Due Is Your Responsibility - provide ONE of the following:

• Statement from the medical provider that shows the amount due is your responsibility

• Statement from your insurance company indicating what portion is your responsibility

• Written verification, provided by the benefits administrator, confirming what portion of the amount due is the participant’s responsibility

PURCHASE OF A PRINCIPAL RESIDENCE

You will need to provide proof of purchase, proof of financing, down payment and closing costs, and closing date for documentation for purchase of a principal residence. Principal residence must be a home, a mobile home, an apartment, or a condominium. Proof of Purchase - provide ONE of the following:

• Copy of the purchase agreement, contract, or binder agreement that includes:

• Signatures of both the buyer and seller (this includes mobile home representative or builder)

• Closing date (this must be a date that has not occurred yet)

• A contractual agreement for the purchase of land for the construction of a principal residence, along with a signed contract from a licensed builder or notarized statement from a non-licensed builder (the contractual agreement must include the signatures of the buyer and seller/builder) AND

Proof of Financing (if purchase is not all cash) - provide ONE of the following:

• Official loan estimate that states mortgaged amount

• Letter from the mortgage company that states amount approved

• A notarized agreement stating the loan amount and that the purpose of the loan is for purchase of a principal residence

(if financing through an individual)

• Paperwork showing approval and assumption amount, if assuming an existing mortgage EDUCATION EXPENSES

Education expenses for the next 12 months of post-secondary education for you, your spouse, or your qualifying dependents will be considered for this hardship. Education expenses are defined as tuition, fees, and room and board costs. Post-secondary education is defined as education beyond high school at any state-accredited school. You will need to provide proof of the amount due and proof that the amount is your responsibility.

Proof of Amount Due - provide ONE of the following:

• Fee statement from the educational institution specifying name of student enrolled, amount due, and date due

• Letter from the registrar specifying active or pending enrollment, name of student, associated costs, and date due AND

Proof That Amount Due Is Your Responsibility - If the student is a dependent, your name must appear on the fee statement or letter from the registrar as the person responsible for the education expenses. 106263TTH7 (Rev. 11/03/2020)

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EVICTION/FORECLOSURE/SEIZURE OF PRINCIPAL RESIDENCE Eviction from a principal residence, foreclosure on a mortgaged principal residence, or seizure of the principal residence by a federal or state tax authority or bankruptcy court trustee in order to affect a forced sale of a principal residence will be considered for this hardship. Principal residence is defined as the home, a mobile home, an apartment, or a condominium where the participant currently resides.

Eviction/Foreclosure/Seizure Documentation - provide ONE of the following:

• A letter or notice from your mortgage company that states if payment is not received by that date, foreclosure proceedings will begin, including the amount you owe and the date the payment is due (this must be a date that has not occurred)

• A notarized statement indicating that eviction will occur if rent remains unpaid, including the amount due and date due

(if renting from an individual)

• A statement on company letterhead that eviction will occur if rent remains unpaid, including the amount due and date due (if renting from a company)

• Documentation that specifies that foreclosure proceedings have begun

• Documentation of the imminent seizure by a federal or state tax authority or bankruptcy court trustee in order to affect a forced sale

PAYMENT FOR FUNERAL EXPENSES

Payment for burial or funeral expenses for the employee’s deceased parent, spouse, children, or qualifying dependents (as defined in Code Section 152, without regard to the income limits of Section 152(d)(1)(B)). You will need to provide proof of the amount due and proof that the amount is your responsibility.

Proof of Amount Due and Responsibility - provide an invoice or letter from institution showing amount due and date due

AND

Proof of Death – A copy of the death certificate

AND

Proof of Relationship - Statement from employee of relationship EXPENSES FOR REPAIR OF DAMAGE TO PRINCIPAL RESIDENCE Expenses for the repair of damage to your principal residence that would qualify for the casualty deduction under Internal Revenue Code Section 165 (regardless of whether the loss exceeds 10% of your adjusted gross income and without regard to whether the loss is attributable to a federally declared disaster). Proof of Amount Due – Current bill or estimate from contractor indicating description of repairs, cause of loss (fire, flood, type of weather related incident, etc.), and date of casualty loss

*Qualifying Dependent is an individual that meets the definition of “dependent” as set forth in Internal Revenue Code Section 152 as either a qualifying child or a qualifying relative.

Generally, a qualifying child is an individual who (i) is a child of the participant (or a descendant of such a child), a brother, sister, stepbrother, or stepsister of the participant or any such descendant of any such relative; (ii) who has not attained age 19 as of the close of the calendar year in which the taxable year of the participant (taxpayer) begins or is a student who has not attained age 24 as of the close of such calendar year. The age requirement in (ii) shall be treated as met in the case of a dependent who is permanently and totally disabled at any time during such calendar year. Generally, a qualifying relative is an individual (i) who is a child (or a descendant of a child), brother, sister, stepbrother, stepsister, father, mother (or ancestor of father or mother), stepfather, stepmother, son or daughter of a brother or sister of the participant, brother or sister of the father or mother of the participant, son-in-law, daughter-in-law, father-in-law, mother-in-law, brother-in-law, sister-in-law, or an individual who, for the taxable year of the participant, has the same principal place of the abode as the participant and is a member of the participant’s household; (ii) with respect to whom the participant provides over one-half of the individual’s support for the calendar year taxable year begins; and (iii) who is not a qualifying child of such participant or of any other taxpayer for any taxable year beginning in the calendar year in which such taxable year begins.

**Primary Plan Beneficiary is the individual that you designated as the primary beneficiary of your plan account in case of death as reflected on T. Rowe Price’s recordkeeping system on the day that your hardship withdrawal request is processed.

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