Savings Plan Hardship Withdrawal Application

1 Nestl Smart$aving ProgramYour Membership AdvantagesEMPLOYEE INFORMATION (Please Print)Social Security # _____ Last Name _____ First Name _____Street _____ City _____ State _____ Zip _____Daytime Phone Number ( _____) _____INSTRUCTIONS1. Review Hardship Requirements to determine if you are ELIGIBLE to take a Hardship Complete all questions in Sections 2 Supply DOCUMENTATION, SIGN and MAIL your form to Voya Financial at one of the addresses listed at the end of the form for NOTE: AN INCOMPLETE Application OR NOT SUPPLYING ALL REQUIRED DOCUMENTATION WILL CAUSE A DELAY IN RECEIVING YOUR Hardship REQUIREMENTS The amount of the Withdrawal cannot exceed the amount necessary to relieve the immediate and heavy financial need, as defined in Section 6.

2 However, you may increase your tax withholding to pay the estimated taxes that may incur as a result of the Hardship Withdrawal . Prior to taking a Hardship Withdrawal , you must first exhaust all financial resources available to meet the expense, as listed in Section 2. You will not be permitted to make employee contributions to the Savings Plan or any other defined contribution plan maintained by Nestl for a 6-month period starting with the date your Hardship Withdrawal is processed. Contributions will be automatically reinstated as soon as administratively possible once the 6-month suspension period ends. If you have elected the Contribution Rate Escalator, it will also be suspended once your Hardship Withdrawal is processed.

3 It will be automatically resumed after your suspension period ends. If you missed a contribution rate escalation during your Hardship suspension, this increase will occur immediately following the end of the suspension. If you elected to make catch-up contributions, your catch-up contribution election will not be automatically reinstated once the 6-month suspension period ends. Only one (1) Hardship Withdrawal may be processed per 12-month rolling period. The amount of the immediate and heavy financial need must be at least $1, FINANCIAL RESOURCESI have exhausted all other financial means available as listed below: I have exhausted reimbursement or compensation from insurance or other sources.

4 I have exhausted reasonable liquidation of assets, personal investments or Savings . I have exhausted loans or withdrawals from commercial sources. I have exhausted any non- Hardship withdrawals available from all plans maintained by Nestl and all of its affiliates, if available. I have processed a regular loan from all plans maintained by Nestl and all of its affiliates, if available. If requesting a Hardship Withdrawal for the purchase of my primary residence, I have processed a home loan from all plans maintained by Nestl and all of its affiliates, if AMOUNT REQUESTED$_____ Indicate the total dollar amount requested based on your documentation. The amount requested must total at least $1,000 [before any tax gross-up amount].

5 Note: If your available Hardship Withdrawal amount from the Savings Plan is less than the financial need specified above, the Hardship Withdrawal will be processed up to the amount Plan Hardship Withdrawal Application10/2015NC881NC1 HARDSHN4. HOW WOULD YOU LIKE TO RECEIVE YOUR Hardship Withdrawal PROCEEDS?If you have had banking information on file for at least 7 days, the payment will be directly deposited to your bank. If you do not want to use direct deposit, you must delete the banking information from your account prior to processing the Hardship Withdrawal . It will be your responsibility to add the banking information back to your Savings Plan account for future loans or check delivery: First class mail at no additional charge.

6 Overnight delivery. I understand I will pay a non-refundable fee of $20 which will be deducted from my Savings Plan TAX WITHHOLDING ELECTIONS AND GROSS UP OPTIONSYou are responsible for understanding and planning for the tax implications of any distribution, which are described in the enclosed Right to Defer/Special Tax Notice Regarding Plan Payments. You may also wish to contact your Financial/Tax Advisor before submitting this INCOME TAX WITHHOLDINGH ardship withdrawals are subject to automatic 10% federal income tax withholding when made. Note that your actual federal tax liability may be more or less than 10%. In addition, you may be subject to a 10% federal tax penalty for early Withdrawal (and possibly state tax penalties as well).

7 You are personally liable for the payment of federal income tax on any payments received (including any penalties) if you do not have enough federal income tax withheld from your Withdrawal and you fail to make adequate payments of estimated tax. You may elect or decline to have income tax withheld from your Hardship Withdrawal by selecting one of the following options. If you do not make an election, 10% will automatically be withheld from your Withdrawal for federal income tax. Federal Income Tax Withholding Election: I want federal income tax withheld from my Withdrawal . Please withhold the prescribed rate of 10%*. I want federal income tax withheld from my Withdrawal . Please withhold _____%.

8 I do not want federal income tax withheld from my INCOME TAX WITHHOLDINGSTATES WITH MANDATORY WITHHOLDING: If you reside in Arkansas, California, Delaware, Iowa, Kansas, Maine, Maryland, Massachusetts, Nebraska, North Carolina, Oklahoma, Oregon, Vermont, or Virginia, state income tax will be withheld from the taxable portion of your distribution in accordance with state income tax withholding laws, or in accordance with your election of a higher amount below. Please note that you may elect out of withholding only in California or Oregon. If you do not make an election below, the state's required minimum will be WITH NO WITHHOLDING [Do not make an election on the check boxes below]: If you reside in Alaska, Arizona, Florida, Hawaii, New Hampshire, Nevada, South Dakota, Tennessee, Texas, Washington or Wyoming, state income tax withholding does not apply to your distribution, and no election should be made below.

9 STATES WITH OPTIONAL WITHHOLDING: If you reside in a state that is not listed above, you may elect to have state income tax withheld. If you do not make an election, state income tax withholding will not be applied to your Income Tax Withholding Election: I want state income tax withheld from my distribution. Withhold _____% for payment of income tax to the state of my residence. Note: If you reside in a state with mandatory withholding, and you elect a percentage that is less than your state s minimum, your state s minimum percentage will be withheld. I do not want state income tax withheld from my distribution. Note: You may not elect this option if you reside in a mandatory withholding state (with the exception of California or Oregon).

10 PAYMENT GROSS UP ELECTIONYou may increase the amount of your Withdrawal so that the check you receive will be for the amount you requested after your elected or required taxes are withheld. This is called gross up. For example, if your stated Withdrawal need was $1,000 and you elected to have 20% withheld for federal taxes, the $1,000 pre-tax Withdrawal amount could be increased to $1,250, so that 20% ($250) could be withheld, leaving you with a net check amount of $1,000. The $250 withheld would be sent to the IRS to pay taxes. Note: This example does not cover any potential penalties or state taxes. You may only increase the Withdrawal amount if there are sufficient funds available in your account.