<SEC-DOCUMENT>0000860748-20-000102.txt : 20200511
<SEC-HEADER>0000860748-20-000102.hdr.sgml : 20200511
<ACCEPTANCE-DATETIME>20200511162342
ACCESSION NUMBER:		0000860748-20-000102
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		21
CONFORMED PERIOD OF REPORT:	20200505
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Submission of Matters to a Vote of Security Holders
FILED AS OF DATE:		20200511
DATE AS OF CHANGE:		20200511

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			KEMPER Corp
		CENTRAL INDEX KEY:			0000860748
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				954255452
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-18298
		FILM NUMBER:		20865166

	BUSINESS ADDRESS:	
		STREET 1:		200 E. RANDOLPH ST.
		STREET 2:		SUITE 3300
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60601
		BUSINESS PHONE:		3126614600

	MAIL ADDRESS:	
		STREET 1:		200 E. RANDOLPH ST.
		STREET 2:		SUITE 3300
		CITY:			CHICAGO
		STATE:			IL
		ZIP:			60601

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITRIN INC
		DATE OF NAME CHANGE:	19930328
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
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Act.&#160;&#160;&#160;&#160;</span><span style="font-family:Wingdings;font-size:9pt;">&#168;</span></div><div><br/></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></div><hr style="page-break-after:always"></hr><div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></div><div><br/></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Section 5. &#8211; Corporate Governance and Management.</span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:682px;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:65px;"></td><td style="width:617px;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Item 5.02.</span></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers.</span></div></td></tr></table></div></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">At its meeting on May 5, 2020, the Compensation Committee ("Committee") of the Board of Directors of Kemper Corporation ("Company") approved new forms of equity award agreements ("Award Agreements") to be used for grants under the Company's 2020 Omnibus Equity Plan. The forms of the Award Agreements are attached as Exhibits 10.1 through 10.7 to this Current Report on Form 8-K and incorporated herein by reference. Exhibit 10.1 was approved for use by the Company for grants of restricted stock units to the Company&#8217;s non-employee directors. Exhibits 10.2 through 10.7 were approved for use by the Company for grants to the Company&#8217;s employees, including its executive officers, of stock options and stock appreciation rights, restricted stock units and performance share units, respectively.</span></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">The terms and conditions of the Award Agreements are materially consistent with the terms and conditions of the forms of equity award agreements in use by the Company for grants under the Company's 2011 Omnibus Equity Plan prior to May 5, 2020, when the 2020 Omnibus Equity Plan was approved by the Company&#8217;s shareholders.&#160; The terms and conditions of such prior award agreements, including those incorporated by reference from the 2011 Omnibus Equity Plan, were previously disclosed and described in the Company&#8217;s 2020 Proxy Statement and filed as exhibits to the Company&#8217;s 2019 Annual Report on Form 10-K. &#160;</span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:682px;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:65px;"></td><td style="width:617px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Item 5.07.</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Submission of Matters to a Vote of Security Holders.</span></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">The Company's Annual Meeting of Shareholders was held on Tuesday, May 5, 2020 to vote on four proposals, for which the final vote results are set forth below.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Proposal 1:&#160;&#160;&#160;&#160;Election of Directors.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Shareholders elected each of the ten nominees for director. Vote results were as follows:</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:681px;border-collapse:collapse;text-align:left;"><tr><td colspan="13"></td></tr><tr><td style="width:149px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Nominees</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">For</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Against</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Abstain</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Broker Non-Votes</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Teresa A. Canida</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,647,442</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">128,400</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">52,926</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">George N. Cochran</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,612,287</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">135,629</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">80,852</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Kathleen M. Cronin</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,486,888</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">290,279</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">51,601</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Lacy M. Johnson</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,479,974</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">296,016</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">52,778</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Robert J. Joyce</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,519,188</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">228,582</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">80,998</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Joseph P. Lacher, Jr.</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,659,075</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">92,944</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">76,749</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Gerald Laderman</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,614,484</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">134,948</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">79,336</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Christopher B. Sarofim</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,477,913</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">270,969</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">79,886</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">David P. Storch</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,437,053</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">313,370</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">78,345</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Susan D. Whiting</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">47,488,163</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">287,373</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">53,232</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Proposal 2:&#160;&#160;&#160;&#160;Advisory vote to ratify the selection of Deloitte &amp; Touche LLP as the Company's independent registered </span></div><div style="line-height:120%;text-indent:48px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">         public accountant for 2020.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">A majority of shareholders voted, on an advisory basis, to ratify the selection of Deloitte &amp; Touche LLP as the Company's independent registered public accountant for 2020. Vote results were as follows:</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:682px;border-collapse:collapse;text-align:left;"><tr><td colspan="12"></td></tr><tr><td style="width:149px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:126px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">For</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Against</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Abstain</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Broker Non-Votes</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">55,953,438</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">618,979</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">85,947</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:center;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#8212;</span></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Proposal 3:&#160;&#160;&#160;&#160;Advisory vote to approve the compensation of the Company's Named Executive Officers.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">A majority of shareholders voted, on an advisory basis, to approve the compensation of the Company's Named Executive Officers. Vote results were as follows:</span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:681px;border-collapse:collapse;text-align:left;"><tr><td colspan="13"></td></tr><tr><td style="width:149px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">For</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Against</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Abstain</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Broker Non-Votes</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">46,173,569</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">1,451,073</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">204,126</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr></table></div></div><div><br/></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></div><hr style="page-break-after:always"></hr><div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></div><div><br/></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Proposal 4:&#160;&#160;&#160;&#160;Vote to approve the Company's 2020 Omnibus Equity Plan.</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">A majority of shareholders voted, in favor of the Company's 2020 Omnibus Equity Plan. Vote results were as follows:</span></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:681px;border-collapse:collapse;text-align:left;"><tr><td colspan="13"></td></tr><tr><td style="width:149px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td><td style="width:6px;"></td><td style="width:122px;"></td><td style="width:4px;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">For</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Against</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Abstain</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Broker Non-Votes</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">45,651,727</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">1,953,018</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">224,023</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;"><div style="text-align:right;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">8,829,596</span></div></td><td style="vertical-align:bottom;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></td></tr></table></div></div><div style="line-height:120%;padding-top:18px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Section&#160;9. &#8211; Financial Statements and Exhibits.</span></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:11%;"></td><td style="width:89%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Item&#160;9.01.</span></div></td><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Financial Statements and Exhibits.</span></div></td></tr></table></div></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">(d)&#160;Exhibits</span></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:14%;"></td><td style="width:86%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;text-decoration:underline;">Exhibit Number</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;text-decoration:underline;">Exhibit Description</span></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex101-directorrsu.htm"><span style="font-family:inherit;font-size:10pt;">10.1</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex101-directorrsu.htm"><span style="font-family:inherit;font-size:10pt;">Form of Non-Employee Director Restricted Stock Unit Award Agreement as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex102-optionandsarclif.htm"><span style="font-family:inherit;font-size:10pt;">10.2</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex102-optionandsarclif.htm"><span style="font-family:inherit;font-size:10pt;">Form of Non-Qualified Stock Option and SAR Award Agreement (Cliff-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex103-optionandsarinst.htm"><span style="font-family:inherit;font-size:10pt;">10.3</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex103-optionandsarinst.htm"><span style="font-family:inherit;font-size:10pt;">Form of Non-Qualified Stock Option and SAR Award Agreement (Installment-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex104-rsucliffvesting.htm"><span style="font-family:inherit;font-size:10pt;">10.4</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex104-rsucliffvesting.htm"><span style="font-family:inherit;font-size:10pt;">Form of Restricted Stock Unit Award Agreement (Cliff-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex105-rsuinstallmentve.htm"><span style="font-family:inherit;font-size:10pt;">10.5</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex105-rsuinstallmentve.htm"><span style="font-family:inherit;font-size:10pt;">Form of Restricted Stock Unit Award Agreement (Installment-Vesting) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex106-psuadjustedroe.htm"><span style="font-family:inherit;font-size:10pt;">10.6</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex106-psuadjustedroe.htm"><span style="font-family:inherit;font-size:10pt;">Form of Performance Share Unit Award Agreement (Adjusted ROE) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex107-psurelativetsr.htm"><span style="font-family:inherit;font-size:10pt;">10.7</span></a></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><a style="text-decoration:underline;color:#0000FF;-sec-extract:exhibit;" href="ex107-psurelativetsr.htm"><span style="font-family:inherit;font-size:10pt;">Form of Performance Share Unit Award Agreement (Relative TSR) as of May 5, 2020 under the 2020 Omnibus Equity Plan</span></a></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">104</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Cover Page Interactive Data File (the cover page XBRL tags are embedded within the Inline XBRL document).</span></div></td></tr></table></div></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div style="line-height:120%;padding-bottom:12px;font-size:9pt;"><span style="font-family:inherit;font-size:9pt;"><br/></span></div><div style="line-height:120%;font-size:9pt;"><span style="font-family:inherit;font-size:9pt;"><br/></span></div><div><a id="s3C531EC3120696A8D8D1A85D8F1C74DA"></a></div><div style="line-height:120%;text-align:center;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">SIGNATURES</span></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</span></div><div style="line-height:120%;padding-left:6px;font-size:9pt;"><span style="font-family:inherit;font-size:9pt;">&#160;</span></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:5%;"></td><td style="width:34%;"></td><td style="width:10%;"></td><td style="width:1%;"></td><td style="width:50%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Kemper Corporation</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">Date:</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">May 11, 2020</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">/s/&#160;C. Thomas Evans, Jr.</span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">C. Thomas Evans, Jr. </span></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;">&#160;</span></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;font-weight:bold;">Executive Vice President, Secretary &amp; General Counsel</span></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div><div><br/></div><div style="text-align:center;"><div style="line-height:120%;font-size:10pt;"><span style="font-family:inherit;font-size:10pt;"><br/></span></div></div>	</div></body>
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<TYPE>EX-10.1
<SEQUENCE>2
<FILENAME>ex101-directorrsu.htm
<DESCRIPTION>EXHIBIT 10.1
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<div><a name="s070E8941677D53D220CCDCCF84DA2BE3"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.1</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This NON-EMPLOYEE DIRECTOR RESTRICTED STOCK UNIT AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of _________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;) for an Award of restricted stock units (&#8220;RSUs&#8221;), each representing the right to receive one share of the Company&#8217;s common stock (&#8220;Common Stock&#8221;) on the terms and conditions set forth in this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;                          PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">____________________________________&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;_____________________________</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO or Chairman of the Board Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;Name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;). Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">B.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan provides, among other things, for grants of awards to non-employee Directors of the Company, of the type, in the amounts and subject to such terms as shall be determined from time to time by the Board after considering any recommendation by the Committee.</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">C.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Committee has adopted Rules and Procedures for Deferral of Non-Employee Director Restricted Stock Unit Awards that permit a non-employee Director to defer the date on which an RSU granted to a non-employee Director is converted into Common Stock (&#8220;Deferral Rules and Procedures&#8221;).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company grants an aggregate of &#171;shares&#187; (&#171;shares&#187;) RSUs, which represent the Company&#8217;s unfunded and unsecured promise to issue shares of Common Stock, to the Participant, subject to the terms and conditions set forth in this Agreement.  The RSUs shall not entitle the Participant to any rights of a shareholder of Common Stock and the Participant has no rights with respect to the Award other than rights as a general creditor of the Company.</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Award is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Award in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The RSUs shall be restricted during a period (&#8220;Restriction Period&#8221;) beginning on the Grant Date and expiring on the Settlement Date (as defined in Section 6 below). During the Restriction Period, neither this Agreement, the RSUs nor any rights and privileges granted hereby may be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise (any such disposition being referred to herein as a &#8220;Transfer&#8221;), except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be Transferred during the Restriction Period to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Any attempt to Transfer this Agreement, the RSUs or any other rights or privileges granted hereby contrary to the provisions hereof shall be null and void and of no force or effect, and the Company shall not recognize or give effect to any such Transfer on its books and records or recognize the person to whom such purported Transfer has been made as the legal or beneficial holder of such RSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Forfeiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  To the extent not previously forfeited, the RSUs shall fully vest on the earliest to occur of the following (&#8220;Vesting Date&#8221;), except as otherwise provided herein:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the first anniversary of the Grant Date, if the Participant continues in Service through such anniversary date;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s death, if the Participant dies while in Service;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s Disability, if the Participant becomes Disabled while in Service; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of a Change of Control after which the Director ceases to serve as a Director or as a member of the board of directors of any successor to the Company, unless such cessation is due to the Director&#8217;s voluntary resignation; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the expiration of the annual term of the Participant if the Participant elects not to stand for re-election as a Director; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">any date upon which vesting is accelerated by the Committee in its discretion in accordance with the terms of the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:6px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the foregoing, if the Participant makes a deferral election in accordance with the Company&#8217;s deferral rules and procedures on or after the first day of the calendar year in which the RSU is awarded (as permitted by Section 409A with respect to certain forfeitable rights), such </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2</font></div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:6px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Participant may be vested only upon a date or event described in Section 4(a)(i) through (iv) and if such event is a Change of Control, only if such Change of Control is a change in control event described in Treas. Reg. &#167;1.409A-3(i)(5).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  On the date of the Participant&#8217;s cessation of Service, all unvested RSUs that do not vest upon such cessation of Service in accordance with this Agreement shall be forfeited to the Company.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Certain Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Service&#8221; means the period during which the Participant is a Director.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Disabled&#8221; or &#8220;Disability&#8221; means that the Participant either:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(A)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is 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 can be expected to last for a continuous period of not less than 12 months; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(B)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Dividend Equivalents</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If a cash dividend is declared and paid by the Company with respect to the Common Stock during the Restriction Period, the Participant shall be eligible to receive a cash payment equal to the total cash dividend the Participant would have received had the RSUs been actual shares of Common Stock (&#8220;Dividend Equivalents&#8221;), provided that the Participant vests in the RSUs.  Any such cash payment shall be made on the Vesting Date.  After the Vesting Date and prior to the settlement date, as defined in Section 6 (the &#8220;Settlement Date&#8221;), the Participant shall be entitled to receive payment of Dividend Equivalents on the date that the dividends are payable to holders of the Company&#8217;s Common Stock.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Conversion of RSUs; Issuance of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. Except as otherwise provided in Section 9, the Company shall cause one share of Common Stock to be issued for each vested RSU on the Settlement Date, as defined below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">For a Participant who does not elect to defer the Settlement Date pursuant to the Deferral Rules and Procedures, the Settlement Date shall be the Vesting Date or any date after the Vesting Date which is no later than the first to occur of (a) March 15</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;following the calendar year in which the Vesting Date occurred, or (b) 90 days following the Vesting Date; and</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">For a Participant who elects to defer the Settlement Date pursuant to the Deferral Rules and Procedures, the Settlement Date shall be such date as the Participant elected, in accordance with such procedures, to have the RSUs converted to shares of Common Stock, except that in the event the Vesting Date is accelerated due to the Participant&#8217;s death, Disability or pursuant to a Change of Control, the Settlement Date shall be the date described in Section 6(a) if the Participant&#8217;s deferral election was permitted </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">3</font></div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">pursuant to Treas. Reg. &#167;1.409A-2(a)(5) (relating to initial deferral elections with respect to certain forfeitable rights) and was not otherwise permissible under Treas. Reg. &#167;1.409A-2.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Any issuance of Common Stock shall be in book-entry form, registered in the Participant&#8217;s name (or in the name of the Participant&#8217;s Representative, as the case may be), in payment of whole RSUs.  Any fractional shares of Common Stock that would otherwise be issued to the Participant shall instead be paid in the form of cash.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">7.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the applicable date or if no prices are reported for that day, the last preceding day on which such prices are reported (or, if for any reason no such price is available, the Fair Market Value shall be determined by the Company in its sole discretion in accordance with the Plan).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">8.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Section 409A</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company intends that the Award hereunder shall either be exempt from the application of, or compliant with, the requirements of Section 409A and this Award Agreement shall be interpreted and administered in accordance with such intent.  In no event shall the Company and/or its Affiliates be liable for any tax, interest or penalties that may be imposed on the Participant (or the Participant&#8217;s estate) under Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">9.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Other Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares of Common Stock issuable in settlement of the RSUs shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (&#8220;Act&#8221;) (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.  By signing this Agreement, the Participant represents and warrants that none of the shares to be acquired in settlement of the RSUs will be acquired with a view towards any sale, transfer or distribution of said shares in violation of the Act, and the rules and regulations promulgated thereunder, or any applicable &#8220;blue sky&#8221; laws, and that the Participant hereby agrees to indemnify the Company in the event of any violation by the Participant of such Act, rules, regulations or laws.  The Company will use its best efforts to complete all actions necessary for such compliance so that settlement can occur within the period specified in Section 6; provided that if the Company reasonably anticipates that settlement within such period will cause a violation of applicable law, settlement may be delayed provided that settlement occurs at the earliest date at which the Company reasonably anticipates that such settlement will not cause a violation of applicable law, all in accordance with Treas. Reg. &#167;1.409A-2(b)(7)(ii).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">10.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of a share of Common Stock to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">4</font></div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of RSUs subject to the Award.  If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the RSUs in a manner consistent with Sections 4.3 and 21.2 of the Plan.  The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive.  No fractional RSUs shall be issued under the Plan on any such adjustment.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">11.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company in which non-employee Directors are otherwise eligible to participate.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">12.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">No Right to Continue as a Director</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company, expressed or implied, that the Participant has a right to continue as a Director for any period of time or at any particular rate of compensation.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">13.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the Participant&#8217;s death prior to the Settlement Date, delivery of shares of Common Stock pursuant to Section 6 shall be made to the duly appointed and qualified executor or other personal representative of the Participant, to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">14.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">15.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in Section 14, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">5</font></div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">16.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the RSUs granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative.  If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:100%;padding-bottom:16px;text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">6</font></div><div style="line-height:120%;padding-bottom:16px;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div>	</div></body>
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<TYPE>EX-10.2
<SEQUENCE>3
<FILENAME>ex102-optionandsarclif.htm
<DESCRIPTION>EXHIBIT 10.2
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<div><a name="sCA2C5ABF2F1177F64FB9DCD26C047142"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.2</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Cliff-Vesting Form)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of __________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;), for an award consisting of the right and option (&#8220;Option&#8221;) to purchase, on the terms and conditions hereinafter set forth, shares of the Company&#8217;s common stock (&#8220;Common Stock&#8221;), along with a tandem stock appreciation right (&#8220;SAR&#8221;).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:       __________________________________&#160;&#160;&#160;&#160;____________________________________</font></div><div style="line-height:120%;padding-bottom:48px;text-align:justify;text-indent:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;).  Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">B.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including options to purchase shares of Common Stock and tandem stock appreciation rights.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">C.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant a non-qualified stock option (and tandem stock appreciation right) to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and as an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">D.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Neither the Option nor the SAR granted hereby is intended to qualify as an &#8220;incentive stock option&#8221; under Section 422 of the Internal Revenue Code of 1986, as amended.</font></div><div><br></div><div><div style="line-height:120%;text-align:right;padding-left:48px;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Company grants the Option to purchase all or any part of an aggregate of &#171;shares&#187; (&#171;number&#187;) shares of Common Stock at the Exercise Price (as defined below) to the Participant, which will be exercisable in accordance with the provisions of this Agreement; provided that the Option may not be exercised with respect to a fraction of a share.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Option is coupled with a SAR that is exercisable to the extent, and only to the extent, that the Option is vested as described in Section 6.  The SAR shall entitle the Participant to surrender the Option (or any portion thereof, subject to Section 8(a)) to the Company unexercised and receive in exchange therefor that number of shares of Common Stock having an aggregate value equal to: (A) the excess of the Fair Market Value (as defined below) of one share of Common Stock over the Exercise Price, multiplied by (B) the number of such shares of Common Stock subject to the Option (or portion thereof) which is so surrendered.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Exercise Price</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The per share price of Common Stock issuable upon exercise of the Option or SAR shall be $ ____ (&#8220;Exercise Price&#8221;), which shall not be less than 100% of the Fair Market Value of a share of Common Stock on the Grant Date.  The Exercise Price may be adjusted in accordance with Section 13.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">3.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Option in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">4.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option and SAR and all rights and privileges granted hereby (including the right of exercise) shall not be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise, except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be assigned or otherwise transferred to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Upon any attempt to transfer, assign, pledge, hypothecate or otherwise dispose of the Option or the SAR or any other rights or privileges granted hereby contrary to the provisions hereof, the Option and SAR and all other rights and privileges contained herein shall immediately become null and void and of no further force or effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">5.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Term</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as provided in Section 11, neither the Option nor the SAR shall be exercisable after the Company&#8217;s close of business on the last business day that occurs coincident with or prior to the earliest of (&#8220;Expiration Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the 10</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;anniversary of the Grant Date;</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">2</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the first anniversary of the Participant&#8217;s death;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the first anniversary of the Participant&#8217;s termination of Service due to the Participant&#8217;s Disability;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the first anniversary of the Participant&#8217;s termination of Service (other than for Cause) following Retirement;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date that is three (3) months following the Participant&#8217;s termination of Service for any reason other than Cause or any reason described in (b) &#8211; (d) above; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(f)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">any date of the Participant&#8217;s termination of Service for Cause.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">6.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Exercise</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option and/or the SAR may only be exercised to the extent they are vested.  To the extent not previously forfeited, the Option and SAR shall fully vest on the earliest to occur of the following (&#8220;Vesting Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the _________ anniversary of the Grant Date, if the Participant continues in Service through such date;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s death, if the Participant dies while in Service;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s Disability, if the Participant becomes Disabled while in Service; or </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date upon which vesting is accelerated in accordance with Section 13(b), or otherwise by the Committee in its discretion in accordance with the terms of the Plan.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Certain Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the Company or Affiliate of such failure or inability, and such failure or inability is not </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">3</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">cured by the Participant within ten (10) business days; (5) the Participant&#8217;s conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 18  below. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Disabled&#8221; or &#8220;Disability&#8221; means that the Participant either:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(A)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is 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 can be expected to last for a continuous period of not less than twelve (12) months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant ; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(B)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Employer&#8221; means the Company or Affiliate by whom the Participant is employed, or to whom the Participant provides services.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Retirement&#8221; means that the Participant has either attained age 60 and completed ten (10) years of Service as an Employee or attained age 65 and completed five (5) years of Service as an Employee.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Service&#8221; means the period during which the Participant is an Employee, Director or Third Party Service Provider; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">4</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Participant will not be deemed to be in Service after the Company divests its control in the Affiliate for whom the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">7.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  On the date of the Participant&#8217;s cessation of Service, any unvested portion of the Option and SAR held by the Participant that does not vest upon such cessation of Service in accordance with this Agreement shall be forfeited to the Company.  If the Participant&#8217;s Service is terminated, or is deemed to be terminated, for Cause, any outstanding portions of the Option and SAR held by the Participant (vested or unvested) shall be forfeited to the Company on the date of such termination of Service.  For purposes of the preceding sentence, a Participant&#8217;s Service shall be deemed terminated for Cause if the Participant resigns or is terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause in Section 6(b) existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">8.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Manner of Exercise</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">During the period beginning on the Vesting Date and ending on the Expiration Date, the Participant may purchase all or any part of the shares of Common Stock subject to the Option or may receive such lesser number of shares as may be available through the exercise of the SAR.  In the event the Option (or any portion thereof) is exercised, then the SAR (or the corresponding portion) shall terminate.  In the event that the SAR (or any portion thereof) is exercised, then the Option (or the corresponding portion) shall likewise terminate.  Consequently, the total number of shares subject to the Option shall be reduced by the number of shares for which the Option or the SAR has previously been exercised.  Likewise, the total number of shares subject to the SAR shall be reduced by the number of shares for which the SAR or the Option has previously been exercised.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Each exercise of the Option shall be initiated by the Participant or his or her Representative by means of a notice of exercise delivered to the Company through the internet portal (&#8220;Portal&#8221;) provided by or on behalf of the Company or, if such Portal is not available for such exercise, in the form of a written document or electronic mail (&#8220;Notice&#8221;).  The Notice shall identify the number of shares for which the Option is being exercised.  Before shares of Common Stock will be issued and subject to the requirements of Section 9 below, the aggregate Exercise Price for the shares for which the Option is being exercised shall be paid to the Company in a manner permitted under the Plan. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Each exercise of the SAR shall be initiated by the Participant or his or her Representative by delivery of a Notice as described above in Section 8(b).  The Notice shall identify the number of shares for which the SAR is being exercised.  Upon satisfaction of the Participant&#8217;s obligation to pay the Company the amount of all taxes that the Company is required to withhold in connection with such exercise as specified in Section 9 below, the Company shall issue to the Participant a number of shares of the Company&#8217;s common stock determined in accordance with Section 1(b). The SAR may only be settled by delivery of shares of Common Stock and not by payment of cash to the Participant.  Any fractional </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">5</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">share that would otherwise result from an exercise of the SAR shall be rounded down to the nearest whole share.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The date of exercise shall be:  (i) in the case of an Option exercise, the date that the Company receives the Notice if received within regular market hours on a day that the New York Stock Exchange is open for business (&#8220;Trading Day&#8221;), and otherwise on the next Trading Day; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that if the Notice is provided by means of a &#8220;Good Till Cancelled Order&#8221; involving a &#8220;Same Day Sale&#8221; or &#8220;Sell to Cover&#8221; transaction (&#8220;Order&#8221;), then the date of exercise shall instead be the date that the Order is executed; (ii)  in the case of a SAR exercise not conducted through the Portal, the date specified in the Notice or, if not specified, the date that the Company receives the Notice; or (iii) in the case of a SAR exercise conducted through the Portal, the date that the Company receives the Notice if received within regular market hours on a Trading Day, and otherwise on the next Trading Day.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Option and SAR may be exercised only by the Participant or his or her Representative, and not otherwise, regardless of any community property interest therein of the spouse of the Participant, or such spouse&#8217;s successors in interest.  If the spouse of the Participant shall have acquired a community property interest in the Option or the SAR, the Participant, or the Participant&#8217;s Representative, may exercise the Option and/or the SAR on behalf of the spouse of the Participant or such spouse&#8217;s successors in interest.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">9.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Upon the exercise of the Option or the SAR, the Participant or the Participant&#8217;s Representative shall pay to the Company the amount of any taxes which the Company is required to withhold with respect to such exercise.  Subject to the limitations set forth in the next two sentences, the Company shall withhold shares of Common Stock that would otherwise have been issued pursuant to the exercise of the Option or the SAR to satisfy the tax withholding obligations, unless and except to the extent that the Participant or his or her Representative elects to satisfy all or any portion of such tax withholding obligations by cash payment to the Company.  Neither the Participant nor his or her Representative shall have the right to have shares of Common Stock withheld, in either case, to the extent that the Fair Market Value of such shares delivered or withheld on the date of exercise exceeds the amount required to be delivered or withheld to meet tax withholding requirements, based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction.  In the case of an exercise of the SAR, the Committee retains the right to require the Participant or his or her Representative to pay any and all withholding taxes arising out of such exercise solely in cash.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">10.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock, as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the Grant Date or date of exercise, as applicable, or if such date is not a business day, for the business day immediately preceding such date (or, if for any reason no such price is available, the Fair Market Value shall be determined by the Company in its sole discretion in accordance with the Plan).</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">6</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">11.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Extension of Expiration Date in Certain Cases</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  From time to time, the Company may declare &#8220;blackout&#8221; periods during which the Participant may be prohibited from engaging in certain transactions in Company securities.  In the event that the scheduled Expiration Date of the Option and SAR shall fall within a blackout period that has been declared by the Company and that applies to the Participant, then the Expiration Date shall automatically, and without further notice to the Participant, be extended until such time as fifteen (15) consecutive business days have elapsed after the scheduled Expiration Date without interruption by any blackout period that applied to the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">12.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Exchange Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares issuable upon the exercise of the Option or the SAR shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">13.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of a share of Common Stock to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of shares subject to and/or the Exercise Price (if applicable) of the Award.  If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the Option in a manner consistent with Sections 4.3 and 21.2 of the Plan.  The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive.  No fractional shares of Common Stock shall be issued under the Plan on any such adjustment.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, the Option and SAR shall vest and be immediately exercisable and shall remain exercisable for the remainder of their term.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">14.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">7</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">No Rights as a Shareholder Until Issuance of Shares</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Neither the Participant nor his or her Representative shall be entitled to any of the rights or privileges of a shareholder of the Company in respect of any shares of Common Stock issuable upon any exercise of the Option or the SAR unless and until such shares shall have been issued and delivered to: (i) the Participant in the form of certificates, (ii) a brokerage or other account for the benefit of the Participant either in certificate form or via &#8220;DWAC&#8221; or similar electronic means, or (iii) a book entry or direct registration account in the name of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">16.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">17.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the death of the Participant while any portion of the Option and/or the SAR are outstanding, the Option and/or the SAR may be exercised prior to the Expiration Date by the duly appointed and qualified executor or other personal representative of the Participant, and the shares of Common Stock received upon such exercise shall be made to such executor or representative to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">8</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">9</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">10</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">11</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(f)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">12</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 18(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">13</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">14</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(viii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Interpretation.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 18 shall refer to this Section 18 or respective subsection.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">19.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference.  In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.  The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.  The following terms and conditions shall apply to such arbitration hereunder.  The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act.  Judgment may be entered on the award of the arbitrator in any court having jurisdiction.  Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs.  To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company.  The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision may only be determined by a court and not an arbitrator.  Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">20.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. </font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">21.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the Option and SAR granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative.  If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">22.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Option</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Option, the rights, payments and benefits with respect to this Option, SAR and any shares acquired pursuant to the exercise of this Option and/or SAR are subject to reduction, cancellation, forfeiture, or recoupment by the Company if and to the extent</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">permitted by Section 15.3 of the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">15</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Plan, required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">23.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold all shares of Common Stock acquired upon the exercise of the Option and/or the SAR granted hereunder for a minimum of 12 months following the date of such exercise.  This holding period shall not apply to shares sold or tendered by the Participant and/or withheld by the Company to pay the aggregate Exercise Price and/or to settle tax liabilities related to the exercise, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">16</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 18(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">17</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 18 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">18</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
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<TYPE>EX-10.3
<SEQUENCE>4
<FILENAME>ex103-optionandsarinst.htm
<DESCRIPTION>EXHIBIT 10.3
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<div><a name="s37291680F4105D2C5C43DCD3CBB71BE0"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.3</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">NON-QUALIFIED STOCK OPTION AND SAR AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Installment-Vesting Form)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This NON-QUALIFIED STOCK OPTION AND SAR AWARD  AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of _________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;), for an award consisting of the right and option (&#8220;Option&#8221;) to purchase, on the terms and conditions hereinafter set forth,  shares of the Company&#8217;s common stock (&#8220;Common Stock&#8221;), along with a tandem stock appreciation right (&#8220;SAR&#8221;).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:       _________________________________&#160;&#160;&#160;&#160;____________________________________   </font></div><div style="line-height:120%;padding-bottom:48px;text-align:justify;text-indent:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;). Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">B.&#160;&#160;&#160;&#160;The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including options to purchase shares of Common Stock and tandem stock appreciation rights.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">C.&#160;&#160;&#160;&#160;Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant a non-qualified stock option (and tandem stock appreciation right) to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and as an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">D.&#160;&#160;&#160;&#160;Neither the Option nor the SAR granted hereby is intended to qualify as an &#8220;incentive stock option&#8221; under Section 422 of the Internal Revenue Code of 1986, as amended.</font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;The Company grants the Option to purchase all or any part of an aggregate of &#171;shares&#187; (&#171;number&#187;) shares of Common Stock at the Exercise Price (as defined below) to the Participant, which will be exercisable in accordance with the provisions of this Agreement; provided that the Option may not be exercised with respect to a fraction of a share.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;The Option is coupled with a SAR that is exercisable to the extent, and only to the extent, that the Option is vested as described in Section 6.  The SAR shall entitle the Participant to surrender the Option (or any portion thereof, subject to Section 8(a)) to the Company unexercised and receive in exchange therefor that number of shares of Common Stock having an aggregate value equal to: (A) the excess of the Fair Market Value (as defined below) of one share of Common Stock  over the Exercise Price, multiplied by (B) the number of such shares of Common Stock subject to the Option (or portion thereof) which is so surrendered.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Exercise Price</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The per share price of Common Stock issuable upon exercise of the Option or SAR shall be $ ____ (&#8220;Exercise Price&#8221;), which shall not be less than 100% of the Fair Market Value of a share of Common Stock on the Grant Date.  The Exercise Price may be adjusted in accordance with Section 13.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">3.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Option in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">4.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option and SAR and all rights and privileges granted hereby (including the right of exercise) shall not be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise, except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be assigned or otherwise transferred to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Upon any attempt to transfer, assign, pledge, hypothecate or otherwise dispose of the Option or the SAR or any other rights or privileges granted hereby contrary to the provisions hereof, the Option and SAR and all other rights and privileges contained herein shall immediately become null and void and of no further force or effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">5.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Term</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as provided in Section 11, neither the Option nor the SAR shall be exercisable after the Company&#8217;s close of business on the last business day that occurs coincident with or prior to the earliest of (&#8220;Expiration Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;the 10</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;anniversary of the Grant Date;</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">2</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;the first anniversary of the Participant&#8217;s death;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)&#160;&#160;&#160;&#160;the first anniversary of the Participant&#8217;s termination of Service due to the Participant&#8217;s Disability;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)&#160;&#160;&#160;&#160;if the Participant was not Retirement Eligible on the date of the Participant&#8217;s termination of Service (other than as described in (b) or (c) above), the date that is three (3) months following the Participant&#8217;s termination of Service for any reason other than Cause; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)&#160;&#160;&#160;&#160;if the Participant was Retirement Eligible on the date of the Participant&#8217;s termination of Service (other than as described in (b) or (c) above), the later of (A) the date that is three (3) months following the Participant&#8217;s termination of Service for any reason other than Cause, or (B) the date on which the Participant became an employee of a competitor of the Company or any of its Affiliates or otherwise engaged in any activity that is competitive with the Company or any of its Affiliates, as determined by the Committee in its sole discretion; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(f)&#160;&#160;&#160;&#160;any date of the Participant&#8217;s termination of Service for Cause.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">6.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Exercise</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Option and/or the SAR may only be exercised to the extent they are vested.  To the extent not previously forfeited, and except as provided in Section 6(b) below, the Option and SAR shall vest in accordance with the following schedule if the Participant continues in Service through the applicable date (each date of vesting, a &#8220;Vesting Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">{</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">INSERT ONE OF THE FOLLOWING TWO ALTERNATIVES</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;[in three (3) equal, annual installments, beginning on the first anniversary of the Grant Date.]; OR&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">[</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">SPECIFY ALTERNATIVE VESTING SCHEDULE APPROVED FOR THIS GRANT</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.]}</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the foregoing and except as provided in Section 6(b) or 6(c) below, if the Participant is Retirement Eligible (as defined below) prior to the date the Participant&#8217;s Service is terminated for any reason other than Cause, the unvested portions of the Option and SAR shall continue to vest in accordance with the schedule set forth above until the Expiration Date, provided that the Committee in its sole discretion determines that the Participant has not at any time prior to the applicable Vesting Date become an employee of a competitor of the Company or any of its Affiliates or otherwise engaged in any activity that is competitive with the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Acceleration of Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms of Section 6(a) above, to the extent not previously vested or forfeited, the shares covered by the Option and SAR </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">3</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">shall fully vest on the earliest to occur of the following (the date of which shall also be designated as a Vesting Date) prior to the Expiration Date:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;the date of the Participant&#8217;s death or Disability, if the Participant dies or becomes Disabled while in Service;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;the date of the Participant&#8217;s death or Disability following the Participant&#8217;s termination of Service for any reason other than Cause, if the Participant was Retirement Eligible prior to the date the Participant&#8217;s Service is terminated, provided that the Committee in its sole discretion determines that the Participant did not at any time prior to the date of death or Disability become an employee of a competitor of the Company or any of its Affiliates or otherwise engaged in any activity that is competitive with the Company or any of its Affiliates; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)&#160;&#160;&#160;&#160;the date upon which vesting is accelerated in accordance with Section 13(b), or otherwise by the Committee in its discretion in accordance with the terms of the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Certain Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the Company or Affiliate of such failure or inability, and such failure or inability is not cured by the Participant within ten (10) business days; (5) the Participant&#8217;s conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 18  below. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;&#8220;Disabled&#8221; or &#8220;Disability&#8221; means that the Participant either:</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">4</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(A)&#160;&#160;&#160;&#160;is 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 can be expected to last for a continuous period of not less than twelve (12) months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant ; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(B)&#160;&#160;&#160;&#160;is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)&#160;&#160;&#160;&#160;&#8220;Employer&#8221; means the Company or Affiliate by whom the Participant is employed, or to whom the Participant provides services.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)&#160;&#160;&#160;&#160;&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)&#160;&#160;&#160;&#160;&#8220;Retirement Eligible&#8221; means that the Participant has either attained age 60 and completed ten (10) years of Service as an Employee or attained age 65 and completed five (5) years of Service as an Employee.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)&#160;&#160;&#160;&#160;&#8220;Service&#8221; means the period during which the Participant is an Employee, Director or Third Party Service Provider; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant will not be deemed to be in Service after the Company divests its control in the Affiliate for whom the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">7.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  On the date of the Participant&#8217;s cessation of Service, any unvested portion of the Option and SAR held by the Participant that does not vest upon such cessation of Service in accordance with this Agreement shall be forfeited to the Company if the Participant is not Retirement Eligible on such date.  If the Participant&#8217;s Service is terminated, or is deemed to be terminated, for Cause prior to or after becoming Retirement Eligible, any outstanding portions of the Option and SAR held by the Participant (vested or unvested) shall be forfeited to the Company on the date of such termination of Service.  For purposes of the preceding sentence, a Participant&#8217;s Service shall be deemed terminated for Cause if the Participant resigns or is </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">5</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause in Section 6(b) existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">8.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Manner of Exercise</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;During the period beginning on the applicable Vesting Date and ending on the Expiration Date, the Participant may purchase all or any part of the shares of Common Stock subject to the vested portion of the Option or may receive such lesser number of shares as may be available through the exercise of the SAR.  In the event the Option (or any portion thereof) is exercised, then the SAR (or the corresponding portion) shall terminate.  In the event that the SAR (or any portion thereof) is exercised, then the Option (or the corresponding portion) shall likewise terminate.  Consequently, the total number of shares subject to the Option shall be reduced by the number of shares for which the Option or the SAR has previously been exercised. Likewise, the total number of shares subject to the SAR shall be reduced by the number of shares for which the SAR or the Option has previously been exercised.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;Each exercise of the Option shall be initiated by the Participant or his or her Representative by means of a notice of exercise delivered to the Company through the internet portal (&#8220;Portal&#8221;) provided by or on behalf of the Company or, if such Portal is not available for such exercise, in the form of a written document or electronic mail (&#8220;Notice&#8221;).  The Notice shall identify the number of shares for which the Option is being exercised. Before shares of Common Stock will be issued and subject to the requirements of Section 9 below, the aggregate Exercise Price for the shares for which the Option is being exercised shall be paid to the Company in a manner permitted under the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)&#160;&#160;&#160;&#160;Each exercise of the SAR shall be initiated by the Participant or his or her Representative by delivery of a Notice as described above in Section 8(b). The Notice shall identify the number of shares for which the SAR is being exercised.  Upon satisfaction of the Participant&#8217;s obligation to pay the Company the amount of all taxes that the Company is required to withhold in connection with such exercise as specified in Section 9 below, the Company shall issue to the Participant a number of shares of the Company&#8217;s common stock determined in accordance with Section 1(b). The SAR may only be settled by delivery of shares of Common Stock and not by payment of cash to the Participant.  Any fractional share that would otherwise result from an exercise of the SAR shall be rounded down to the nearest whole share.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)&#160;&#160;&#160;&#160;The date of exercise shall be:  (i) in the case of an Option exercise, the date that the Company receives the Notice if received within regular market hours on a day that the New York Stock Exchange is open for business (&#8220;Trading Day&#8221;), and otherwise on the next Trading Day; provided, however, that if the Notice is provided by means of a &#8220;Good Till Cancelled Order&#8221; involving a &#8220;Same Day Sale&#8221; or &#8220;Sell to Cover&#8221; transaction (&#8220;Order&#8221;), then the date of exercise shall instead be the date that the Order is executed; (ii)  in the case of a SAR exercise not conducted through the Portal, the date specified in the Notice or, if not specified, the date that the Company receives the Notice; or (iii) in the case of a </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">6</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">SAR exercise conducted through the Portal, the date that the Company receives the Notice if received within regular market hours on a Trading Day, and otherwise on the next Trading Day.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)&#160;&#160;&#160;&#160;The Option and SAR may be exercised only by the Participant or his or her Representative, and not otherwise, regardless of any community property interest therein of the spouse of the Participant, or such spouse&#8217;s successors in interest.  If the spouse of the Participant shall have acquired a community property interest in the Option or the SAR, the Participant, or the Participant&#8217;s Representative, may exercise the Option and/or the SAR on behalf of the spouse of the Participant or such spouse&#8217;s successors in interest.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">9.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Upon the exercise of the Option or the SAR, the Participant or the Participant&#8217;s Representative shall pay to the Company the amount of any taxes which the Company is required to withhold with respect to such exercise. Subject to the limitations set forth in the next two sentences, the Company shall withhold shares of Common Stock that would otherwise have been issued pursuant to the exercise of the Option or the SAR to satisfy the tax withholding obligations, unless and except to the extent that the Participant or his or her Representative elects to satisfy all or any portion of such tax withholding obligations by cash payment to the Company.  Neither the Participant nor his or her Representative shall have the right to have shares of Common Stock withheld, in either case, to the extent that the Fair Market Value of such shares delivered or withheld on the date of exercise exceeds the amount required to be delivered or withheld to meet tax withholding requirements, based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction.  In the case of an exercise of the SAR, the Committee retains the right to require the Participant or his or her Representative to pay any and all withholding taxes arising out of such exercise solely in cash.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">10.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock, as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the Grant Date or date of exercise, as applicable, or if such date is not a business day, for the business day immediately preceding such date (or, if for any reason no such price is available, the Fair Market Value shall be determined by the Company in its sole discretion in accordance with  the Plan).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">11.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Extension of Expiration Date in Certain Cases</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  From time to time, the Company may declare &#8220;blackout&#8221; periods during which the Participant may be prohibited from engaging in certain transactions in Company securities.  In the event that the scheduled Expiration Date of the Option and SAR shall fall within a blackout period that has been declared by the Company and that applies to the Participant, then the Expiration Date shall automatically, and without further notice to the Participant, be extended until such time as fifteen (15) consecutive business days have elapsed after the scheduled Expiration Date without interruption by any blackout period that applied to the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">12.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Exchange Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares issuable upon the exercise of the Option or the SAR shall be issued and delivered </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">7</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">13.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#0000ff;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Topic 718) that causes the per share value of a share of Common Stock to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of shares subject to and/or the Exercise Price (if applicable) of the Award.  If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the Option in a manner consistent with Sections 4.3 and 21.2 of the Plan.  The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive.  No fractional shares of Common Stock shall be issued under the Plan on any such adjustment. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, the Option and SAR shall vest and be immediately exercisable and shall remain exercisable for the remainder of their term.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">14.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">No Rights as a Shareholder Until Issuance of Shares</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Neither the Participant nor his or her Representative shall be entitled to any of the rights or privileges of a shareholder of the Company in respect of any shares of Common Stock issuable upon any exercise of the Option or the SAR unless and until such shares shall have been issued and delivered to:  (i) the Participant in the form of certificates, (ii) a brokerage or other account for the benefit of the Participant either in certificate form or via &#8220;DWAC&#8221; or similar electronic means, or (iii) a book entry or direct registration account in the name of the Participant.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">8</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">16.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">17.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the death of the Participant while any portion of the Option and/or the SAR are outstanding, the Option and/or the SAR may be exercised prior to the Expiration Date by the duly appointed and qualified executor or other personal representative of the Participant, and the shares of Common Stock received upon such exercise shall be made to such executor or representative to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">9</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)&#160;&#160;&#160;&#160;&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)&#160;&#160;&#160;&#160;&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)&#160;&#160;&#160;&#160;&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">10</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as provided in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">11</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">12</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(f)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">13</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 18(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">14</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vii)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(viii)&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Interpretation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 18 shall refer to this Section 18 or respective subsection.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">19.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference. In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">15</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision. </font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">20.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">21.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the Option and SAR granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative. If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">22.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Option</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Option, the rights, payments and benefits with respect to this Option, SAR and any shares acquired pursuant to the exercise of this Option and/or SAR are subject to reduction, cancellation, forfeiture, or recoupment by the Company if and to the extent permitted by Section 15.3 of the Plan, required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY:</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">16</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">23.&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold all shares of Common Stock acquired upon the exercise of the Option and/or the SAR granted hereunder for a minimum of 12 months following the date of such exercise.  This holding period shall not apply to shares sold or tendered by the Participant and/or withheld by the Company to pay the aggregate Exercise Price and/or to settle tax liabilities related to the exercise, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">17</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 18(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">18</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 18 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">19</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;"><br></font></div></div>	</div></body>
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<TYPE>EX-10.4
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<FILENAME>ex104-rsucliffvesting.htm
<DESCRIPTION>EXHIBIT 10.4
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<div><a name="s5C52C352731123A6D202DCDB6F1C1398"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.4</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RESTRICTED STOCK UNIT AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Cliff-Vesting Form)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This RESTRICTED STOCK UNIT AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of _________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;) for an Award of  restricted stock units (&#8220;RSUs&#8221;), each representing the right to receive one share of the Company&#8217;s common stock (&#8220;Common Stock&#8221;) on the terms and conditions set forth in this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">____________________________________&#160;&#160;&#160;&#160;____________________________________</font></div><div style="line-height:120%;padding-bottom:32px;text-align:justify;text-indent:30px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;). Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">B.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including restricted stock units providing the right to receive shares of Common Stock under specified terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">C.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant an Award of RSUs to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company grants an aggregate of &#171;shares&#187; (&#171;shares&#187;) RSUs, which represent the Company&#8217;s unfunded and unsecured promise to issue shares of Common Stock, to the Participant, subject to the terms and conditions set forth in this Agreement.  The RSUs shall </font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">not entitle the Participant to any rights of a shareholder of Common Stock and the Participant has no rights with respect to the Award other than rights as a general creditor of the Company.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Award is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Award in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The RSUs shall be restricted during a period (&#8220;Restriction Period&#8221;) beginning on the Grant Date and expiring on the Settlement Date (as defined in Section 6 below). During the Restriction Period, neither this Agreement, the RSUs nor any rights and privileges granted hereby may be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise (any such disposition being referred to herein as a &#8220;Transfer&#8221;), except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be Transferred during the Restriction Period to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Any attempt to Transfer this Agreement, the RSUs or any other rights or privileges granted hereby contrary to the provisions hereof shall be null and void and of no force or effect, and the Company shall not recognize or give effect to any such Transfer on its books and records or recognize the person to whom such purported Transfer has been made as the legal or beneficial holder of such RSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Forfeiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  To the extent not previously forfeited, the RSUs shall fully vest on the earliest to occur of the following (&#8220;Vesting Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the _________ anniversary of the Grant Date, if the Participant continues in Service through such date;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s death, if the Participant dies while in Service;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s Disability, if the Participant becomes Disabled while in Service; or </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date upon which vesting is accelerated in accordance with Section 11(b) or otherwise by the Committee in its discretion in accordance with the terms of the Plan.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  On the date of the Participant&#8217;s cessation of Service, all unvested RSUs that do not vest upon such cessation of Service in accordance with this Agreement shall be forfeited to the Company.  If the Participant&#8217;s Service is terminated, or is deemed to be terminated, for Cause, any outstanding portion of the RSUs held by the Participant (vested or unvested) shall be forfeited to the Company on the date of such termination of Service.  For purposes of the preceding sentence, a Participant&#8217;s Service </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">2</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">shall be deemed terminated for Cause if the Participant resigns or is terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause below existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Certain Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the Company or Affiliate of such failure or inability, and such failure or inability is not cured by the Participant within ten (10) business days; (5) the Participant&#8217;s conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 15 below. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Disabled&#8221; or &#8220;Disability&#8221; means that the Participant either:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(A)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is 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 can be expected to last for a continuous period of not less than twelve (12) months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(B)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Employer&#8221; means the Company or Affiliate by whom the Participant is employed, or to whom the Participant provides services. </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">3</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Service&#8221; means the period during which the Participant is an Employee, Director or Third Party Service Provider; provided, however, that the Participant will not be deemed to be in Service after the Company divests its control in the Affiliate for whom the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Dividend Equivalents</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If a cash dividend is declared and paid by the Company with respect to the Common Stock during the Restriction Period, the Participant shall be eligible to receive a cash payment equal to the total cash dividend the Participant would have received had the RSUs been actual shares of Common Stock, provided that the Participant vests in the RSUs.  Any such cash payment shall be made on the Settlement Date (as defined below) and it shall be subject to applicable tax withholding obligations as described in Section 8. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Conversion of RSUs; Issuance of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in Section 10, the Company shall cause one share of Common Stock to be issued, within the time period provided below, for each RSU that is vesting on the Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Any issuance of Common Stock shall be subject to applicable tax withholding obligations as described in Section 8 and shall be in book-entry form, registered in the Participant&#8217;s name (or in the name of the Participant&#8217;s Representative, as the case may be), in payment of whole RSUs.  Any fractional shares of Common Stock that would otherwise be issued to the Participant shall instead be paid in the form of cash.  Except as otherwise provided in Section 10, in no event shall the date that Common Stock is issued to the Participant (&#8220;Settlement Date&#8221;) occur later than the first to occur of (a) March 15</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;following the calendar year in which the Vesting Date occurred, or (b) 90 days following the Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">7.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the applicable date or if no prices are reported for that day, the last preceding day on which such prices are reported (or, if for any reason no such price is available, the Fair Market Value shall be determined by the Company in its sole discretion in accordance with the Plan).</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">4</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">8.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant acknowledges that the vesting of the RSUs will result in the Participant being subject to payroll taxes upon the Vesting Date (if the Participant is an Employee or was an Employee on the Grant Date), except as otherwise determined by the Company and permitted by regulations issued under Section 3121(v)(2) of the Code, and that the issuance of Common Stock pursuant to Section 6 will result in the Participant being subject to income taxes upon the Settlement Date.  Upon a required withholding date, the Company will deduct from the shares of Common Stock that are otherwise due to be delivered to the Participant shares of Common Stock having a Fair Market Value not in excess of the tax withholding requirements based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction, and the Participant shall remit to the Company in cash any and all applicable withholding taxes that exceed the amount available to the Company using shares with respect to which the Settlement Date has occurred.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">9.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Section 409A</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company intends that the Award hereunder shall either be exempt from the application of, or compliant with, the requirements of Section 409A and this Agreement shall be interpreted and administered in accordance with such intent.  In no event shall the Company and/or its Affiliates be liable for any tax, interest or penalties that may be imposed on the Participant (or the Participant&#8217;s estate) under Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">10.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Other Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares of Common Stock issuable in settlement of the RSUs shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (&#8220;Act&#8221;) (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.  By signing this Agreement, the Participant represents and warrants that none of the shares to be acquired in settlement of the RSUs will be acquired with a view towards any sale, transfer or distribution of said shares in violation of the Act, and the rules and regulations promulgated thereunder, or any applicable &#8220;blue sky&#8221; laws, and that the Participant hereby agrees to indemnify the Company in the event of any violation by the Participant of such Act, rules, regulations or laws.  The Company will use its best efforts to complete all actions necessary for such compliance so that settlement can occur within the period specified in Section 6; provided that if the Company reasonably anticipates that settlement within such period will cause a violation of applicable law, settlement may be delayed provided that settlement occurs at the earliest date at which the Company reasonably anticipates that such settlement will not cause a violation of applicable law, all in accordance with Treas. Reg. &#167;1.409A-2(b)(7)(ii).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">11.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of a share of Common Stock to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">5</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of RSUs subject to the Award.  If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the RSUs in a manner consistent with Sections 4.3 and 21.2 of the Plan.  The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive.  No fractional RSUs shall be issued under the Plan on any such adjustment.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, any Restriction Period shall lapse and the RSUs shall immediately vest and be paid out or distributed without further restriction.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">12.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">13.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">14.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the Participant&#8217;s death prior to the Settlement Date, delivery of shares of Common Stock pursuant to Section 6 shall be made to the duly appointed and qualified executor or other personal representative of the Participant, to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">15.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">6</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">7</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as provided in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">8</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">9</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">10</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 15(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">11</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">12</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(viii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Interpretation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 15 shall refer to this Section 15 or respective subsection.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">16.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference. In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">17.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">18.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the RSUs granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative.  If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">19.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Award</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Award, the rights, payments and benefits with respect to this Award and any shares of Common Stock acquired pursuant to this Award are subject to reduction, cancellation, forfeiture, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">13</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">or recoupment by the Company if and to the extent permitted by Section 15.3 of the Plan, required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;text-decoration:underline;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">20.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold the shares of Common Stock acquired upon the conversion of the RSUs for a minimum of 12 months following their Settlement Date.  This holding period shall not apply to shares of Common Stock withheld by the Company to settle tax liabilities related to vesting and/or settlement, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">14</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 15(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">15</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 15 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">16</font></div></div>	</div></body>
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<TYPE>EX-10.5
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<FILENAME>ex105-rsuinstallmentve.htm
<DESCRIPTION>EXHIBIT 10.5
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<div><a name="sE8C48C42309519B13FBADCD701005EF7"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.5</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RESTRICTED STOCK UNIT AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Installment-Vesting Form)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This RESTRICTED STOCK UNIT AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of _______________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;) for an Award of restricted stock units (&#8220;RSUs&#8221;), each representing the right to receive one share of the Company&#8217;s common stock (&#8220;Common Stock&#8221;) on the terms and conditions set forth in this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:   ________________________________&#160;&#160;&#160;&#160;____________________________________</font></div><div style="line-height:120%;padding-bottom:32px;text-align:justify;text-indent:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;). Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">B.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including restricted stock units providing the right to receive shares of Common Stock under specified terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">C.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant an Award of RSUs to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company grants an aggregate of &#171;shares&#187; (&#171;shares&#187;) RSUs, which represent the Company&#8217;s unfunded and unsecured promise to issue shares of Common Stock, to the Participant, subject to the terms and conditions set forth in this Agreement.  The RSUs shall </font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">not entitle the Participant to any rights of a shareholder of Common Stock and the Participant has no rights with respect to the Award other than rights as a general creditor of the Company.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Award is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.&#160;&#160;&#160;&#160;  No amendment of the Plan shall adversely affect this Award in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The RSUs shall be restricted during a period (&#8220;Restriction Period&#8221;) beginning on the Grant Date and expiring on the applicable Settlement Date (as defined in Section 6 below). During the Restriction Period, neither this Agreement, the RSUs nor any rights and privileges granted hereby may be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise (any such disposition being referred to herein as a &#8220;Transfer&#8221;), except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be Transferred during the Restriction Period to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Any attempt to Transfer this Agreement, the RSUs or any other rights or privileges granted hereby contrary to the provisions hereof shall be null and void and of no force or effect, and the Company shall not recognize or give effect to any such Transfer on its books and records or recognize the person to whom such purported Transfer has been made as the legal or beneficial holder of such RSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Forfeiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  To the extent not previously forfeited, and except as provided in Section 4(b) below, the RSUs shall vest in accordance with the following schedule if the Participant continues in Service through the applicable date (each date of vesting, a &#8220;Vesting Date&#8221;):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">{INSERT ONE OF THE FOLLOWING TWO ALTERNATIVES:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">[in three (3) equal, annual installments, beginning on the first anniversary of the Grant Date.]; OR&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">[</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">SPECIFY ALTERNATIVE VESTING SCHEDULE APPROVED FOR THIS GRANT</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.]}</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the foregoing and except as provided in Section 4(b) or 4(c) below, if the Participant is Retirement Eligible (as defined below) prior to the date the Participant&#8217;s Service is terminated for any reason other than Cause, any unvested RSUs shall continue to vest in accordance with the schedule set forth above, provided that the Committee does not determine, in its sole discretion, that the Participant has failed to comply with the restrictive covenants set forth in Section 15 and executes and does not revoke a release of claims in the form provided by the Company.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">2</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Acceleration of Vesting</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms of Section 4(a) above, to the extent not previously vested or forfeited, the RSUs shall fully vest on the earliest to occur of the following (the date of which shall also be designated as a Vesting Date):</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s death or Disability, if the Participant dies or becomes Disabled while in Service;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date of the Participant&#8217;s death or Disability following the Participant&#8217;s termination of Service for any reason other than Cause, if the Participant was Retirement Eligible prior to the date the Participant&#8217;s Service is terminated, provided  that the Committee does not determine, in its sole discretion, that the Participant has failed to comply with the restrictive covenants set forth in Section 15 prior to the date of death or Disability; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:78px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the date upon which vesting is accelerated in accordance with Section 11(b) or otherwise by the Committee in its discretion in accordance with the terms of the Plan.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  On the date of the Participant&#8217;s cessation of Service, any unvested portion of the RSUs held by the Participant that does not vest upon such cessation of Service in accordance with this Agreement shall be forfeited to the Company if the Participant is not Retirement Eligible on such date.  If the Participant&#8217;s Service is terminated, or is deemed to be terminated,  for Cause prior to or after becoming Retirement Eligible, any outstanding portion of the RSUs held by the Participant (vested or unvested) shall be forfeited to the Company on the date of such termination of Service.  For purposes of the preceding sentence, a Participant&#8217;s Service shall be deemed terminated for Cause if the Participant resigns or is terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause below existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Certain Definitions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the Company or Affiliate of such failure or inability, and such failure or inability is not cured by the Participant within ten (10) business days; (5) the Participant&#8217;s </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">3</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 15  below.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Disabled&#8221; or &#8220;Disability&#8221; means that the Participant either:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(A)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is 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 can be expected to last for a continuous period of not less than twelve (12) months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three (3) months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant; or</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:144px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(B)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Employer&#8221; means the Company or Affiliate by whom the Participant is employed, or to whom the Participant provides services. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Service&#8221; means the period during which the Participant is an Employee, Director or a Third Party Service Provider; provided, however, that the Participant will not be deemed to be in Service after the Company divests its control in the Affiliate for whom the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">4</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Dividend Equivalents</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If a cash dividend is declared and paid by the Company with respect to the Common Stock during the Restriction Period, the Participant shall be eligible to receive a cash payment equal to the total cash dividend the Participant would have received had the RSUs been actual shares of Common Stock, provided that the Participant vests in the RSUs for which the cash payment (or portion thereof) relates.  Any such cash payment(s) shall be made on the Settlement Date(s) (as defined below) of the applicable RSUs, and they shall be subject to applicable tax withholding obligations as described in Section 8. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Conversion of RSUs; Issuance of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in Section 10, the Company shall cause one share of Common Stock to be issued, within the time period provided below, for each RSU that is vesting on the applicable Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Any issuance of Common Stock shall be subject to applicable tax withholding obligations as described in Section 8 and shall be in book-entry form, registered in the Participant&#8217;s name (or in the name of the Participant&#8217;s Representative, as the case may be), in payment of whole RSUs.  Any fractional shares of Common Stock that would otherwise be issued to the Participant shall instead be paid in the form of cash.  Except as otherwise provided in Section 10, in no event shall the date on which Common Stock is issued to the Participant (in each case, a &#8220;Settlement Date&#8221;) occur later than the first to occur of (a) March 15</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;following the calendar year in which the applicable Vesting Date occurred, or (b) 90 days following the applicable Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">7.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the applicable date, or if no prices are reported for that day, the last preceding day on which such prices are reported (or, if for any reason no such price is available, the Fair Market Value shall be determined by the Company in its sole discretion in accordance with the Plan).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">8.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant acknowledges that the vesting of the RSUs will result in the Participant being subject to payroll taxes upon the Vesting Date (if the Participant is an Employee or was an Employee on the Grant Date), except as otherwise determined by the Company and permitted by regulations issued under Section 3121(v)(2) of the Code, and that the issuance of Common Stock pursuant to Section 6 will result in the Participant being subject to income taxes upon the applicable Settlement Date.  Upon a required withholding date, the Company will deduct from the shares of Common Stock that are otherwise due to be delivered to the Participant shares of Common Stock having a Fair Market Value not in excess of the tax withholding requirements based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction, and the Participant shall remit to the Company in cash any and all applicable withholding taxes that exceed the amount available to the Company using shares with respect to which the Settlement Date has occurred.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant further acknowledges that the Participant will be subject to payroll taxes upon becoming Retirement Eligible prior to termination of the Participant&#8217;s Service and agrees </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">5</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">that the Company or its Affiliate shall withhold such payroll taxes from any other compensation paid by the Company or its Affiliate to the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">9.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Section 409A</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company intends that the Award hereunder shall either be exempt from the application of, or compliant with, the requirements of Section 409A and this Agreement shall be interpreted and administered in accordance with such intent.  In no event shall the Company and/or its Affiliates be liable for any tax, interest or penalties that may be imposed on the Participant (or the Participant&#8217;s estate) under Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">10.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Other Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares of Common Stock issuable in settlement of the RSUs shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (&#8220;Act&#8221;) (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.  By signing this Agreement, the Participant represents and warrants that none of the shares to be acquired in settlement of the RSUs will be acquired with a view towards any sale, transfer or distribution of said shares in violation of the Act, and the rules and regulations promulgated thereunder, or any applicable &#8220;blue sky&#8221; laws, and that the Participant hereby agrees to indemnify the Company in the event of any violation by the Participant of such Act, rules, regulations or laws.  The Company will use its best efforts to complete all actions necessary for such compliance so that settlement can occur within the period specified in Section 6; provided that if the Company reasonably anticipates that settlement within such period will cause a violation of applicable law, settlement may be delayed provided that settlement occurs at the earliest date at which the Company reasonably anticipates that such settlement will not cause a violation of applicable law, all in accordance with Treas. Reg. &#167; 1.409A-2(b)(7)(ii).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">11.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of a share of Common Stock to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of RSUs subject to the Award.  If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the RSUs in a manner consistent with Sections 4.3 and 21.2 of the Plan.  The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive.  No fractional RSUs shall be issued under the Plan on any such adjustment.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">6</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, any Restriction Period shall lapse and the RSUs shall immediately vest and be paid out or distributed without further restriction.&#160; </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">12.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">13.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">14.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the Participant&#8217;s death prior to the Settlement Date, delivery of shares of Common Stock pursuant to Section 6 shall be made to the duly appointed and qualified executor or other personal representative of the Participant, to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">15.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">7</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">8</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as provided in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">9</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">10</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">11</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 15(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">12</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates, in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(viii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Interpretation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 15 shall refer to this Section 15 or respective subsection.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">13</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">16.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference. In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">17.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">18.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the RSUs granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative. If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">19.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Award</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Award, the rights, payments and benefits with respect to this Award and any shares of Common Stock acquired pursuant to this Award are subject to reduction, cancellation, forfeiture, or recoupment by the Company if and to the extent</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">permitted by Section 15.3 of the Plan, required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">14</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;text-decoration:underline;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">20.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold the shares of Common Stock acquired upon the conversion of the RSUs for a minimum of 12 months following the applicable Settlement Date.  This holding period shall not apply to shares of Common Stock withheld by the Company to settle tax liabilities related to vesting and/or settlement, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">15</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 15(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">16</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 15 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div style="line-height:100%;text-align:left;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">17</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
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<TYPE>EX-10.6
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<FILENAME>ex106-psuadjustedroe.htm
<DESCRIPTION>EXHIBIT 10.6
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<div><a name="s9AEC5C75BA231D8043B7DCDD1F6945F0"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.6</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">PERFORMANCE SHARE UNIT AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Adjusted ROE)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This PERFORMANCE SHARE UNIT AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of __________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;) for an Award of performance share units (&#8220;PSUs&#8221;), each representing the right to receive one share of the Company&#8217;s common stock (&#8220;Common Stock&#8221;) on the terms and conditions set forth in this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">__________________________________&#160;&#160;&#160;&#160;____________________________________</font></div><div style="line-height:120%;padding-bottom:24px;text-align:justify;text-indent:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;).  Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">B.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including performance share units providing the right to receive shares of Common Stock under specified terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">C.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant an Award of performance share units to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company grants an aggregate of &#171;shares&#187; (&#171;shares&#187;) PSUs, which represent the Company&#8217;s unfunded and unsecured promise to issue shares of Common Stock under certain circumstances to the Participant, subject to the terms and conditions set forth in this </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Agreement.  The PSUs shall not entitle the Participant to any rights of a shareholder of Common Stock and the Participant has no rights with respect to the Award other than rights as a general creditor of the Company.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Award is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Award in any material way without the written consent of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">3.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The PSUs shall be restricted during a period (&#8220;Restriction Period&#8221;) beginning on the Grant Date and expiring on the Settlement Date (as defined in Section 6 below). During the Restriction Period, neither this Agreement, the PSUs nor any rights and privileges granted hereby may be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise (any such disposition being referred to herein as a &#8220;Transfer&#8221;), except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be Transferred during the Restriction Period to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Any attempt to Transfer this Agreement, the PSUs or any other rights or privileges granted hereby contrary to the provisions hereof shall be null and void and of no force or effect, and the Company shall not recognize or give effect to any such Transfer on its books and records or recognize the person to whom such purported Transfer has been made as the legal or beneficial holder of such PSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">4.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Forfeiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The PSUs shall be subject to the terms concerning vesting and forfeiture set forth on Exhibit A to this Agreement and Section 11(b).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">5.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Dividend Equivalents</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. If a cash dividend is declared and paid by the Company with respect to the Common Stock during the Restriction Period, the Participant shall be eligible to receive a cash payment equal to the total cash dividend the Participant would have received had the PSUs and any &#8220;Additional Shares&#8221; granted to Participant pursuant to Exhibit A been actual shares of Common Stock held by the Participant during the Restriction Period, provided and to the extent that that the Participant vests in the PSUs and any such Additional Shares.  Any such cash payment shall be made on the Settlement Date (as defined below) and it shall be subject to applicable withholding obligations as described in Section 8.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">6.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Conversion of PSUs; Issuance of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in Section 10, the Company shall cause one share of Common Stock to be issued, within the time period provided below, for each PSU that is vesting and each Additional Share that is being issued on the applicable Vesting Date in accordance with Exhibit A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Any issuance of Common Stock shall be subject to applicable tax withholding obligations as described in Section 8 and shall be in book-entry form, registered in the Participant&#8217;s name (or in the name of the Participant&#8217;s Representative, as the case may be).  Except as otherwise provided in Section 10, in no event shall the date that Common Stock is issued to the Participant (&#8220;Settlement </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Date&#8221;) occur later than the first to occur of (a) March 15</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;following the calendar year in which the Vesting Date occurred or (b) 90 days following the Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">7.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the applicable date, or if no prices are reported for that day, the last preceding day on which such prices are reported (or, if for any reason no such price is available, in such other manner as the Committee in its sole discretion may deem appropriate to reflect the fair market value thereof).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">8.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant acknowledges that the vesting of the PSUs will result in the Participant being subject to payroll taxes upon the Vesting Date (if the Participant is an Employee or was an Employee on the Grant Date), except as otherwise determined by the Company and permitted by regulations issued under Section 3121(v)(2) of the Code, and that the issuance of Common Stock pursuant to Section 6 will result in the Participant being subject to income taxes upon the Settlement Date.  Upon a required withholding date, the Company will deduct from the shares of Common Stock that are otherwise due to be delivered to the Participant shares of Common Stock having a Fair Market Value not in excess of the tax withholding requirements based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction, and the Participant shall remit to the Company in cash any and all applicable withholding taxes that exceed the amount available to the Company using shares with respect to which the Settlement Date has occurred.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">9.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Section 409A</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company intends that the Award hereunder shall either be exempt from the application of, or compliant with, the requirements of Section 409A and this Award Agreement shall be interpreted and administered in accordance with such intent.  In no event shall the Company and/or its Affiliates be liable for any tax, interest or penalties that may be imposed on the Participant (or the Participant&#8217;s estate) under Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">10.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Other Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares of Common Stock issuable in settlement of the PSUs shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (&#8220;Act&#8221;) (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.  By signing this Agreement, the Participant represents and warrants that none of the shares to be acquired in settlement of the PSUs will be acquired with a view towards any sale, transfer or distribution of said shares in violation of the Act, and the rules and regulations promulgated thereunder, or any applicable &#8220;blue sky&#8221; laws, and that the Participant hereby agrees to indemnify the Company in the event of any violation by the Participant of such Act, rules, regulations or laws.  The Company will use its best efforts to complete all actions </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">necessary for such compliance so that settlement can occur within the period specified in Section 6; provided that if the Company reasonably anticipates that settlement within such period will cause a violation of applicable law, settlement may be delayed provided that settlement occurs at the earliest date at which the Company reasonably anticipates that such settlement will not cause a violation of applicable law, all in accordance with Treas. Reg. &#167; 1.409A-2(b)(7)(ii).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">11.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of Shares to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of PSUs subject to the Award. If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the PSUs in a manner consistent with Sections 4.3 and 21.2 of the Plan. The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive. No fractional shares of PSUs shall be issued under the Plan on any such adjustment.  This Award may be subject to early vesting or termination in connection with a Change in Control in accordance with the provisions of Section 20.3 of the Plan.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, the payout opportunities attainable under all outstanding PSUs shall be deemed to have been fully earned based on the greater of (i) targeted performance, or (ii) actual performance being attained for a truncated Performance Period (as defined in Exhibit A) that ends on the date of the Change in Control.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Definitions</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Company or Affiliate of such failure or inability, and such failure or inability is not cured by the Participant within ten (10) business days; (5) the Participant&#8217;s conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 15. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Employer&#8221; means the Company or Affiliate by which/whom the Participant is employed, or to which/whom the Participant provides services. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">12.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">13.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">14.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the Participant&#8217;s death prior to the Settlement Date, delivery of shares of Common Stock pursuant to Section 6 shall be made to the duly appointed and qualified executor or other personal representative of the Participant, to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(a)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as provided in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(c)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(d)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(e)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(f)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 15(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(v)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vi)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates, in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(vii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(viii)</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Interpretation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 15 shall refer to this Section 15 or respective subsection.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">16.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference. In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">17.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">18.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the PSUs granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative.  If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">19.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Award</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Award, the rights, payments and benefits with respect to this Award and any shares of Common Stock acquired pursuant to this Award are subject to reduction, cancellation, forfeiture, or recoupment by the Company if and to the extent permitted by Section 15.3 of the Plan,</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">20.</font><font style="font-family:Calibri,sans-serif;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold the shares of Common Stock acquired upon the conversion of the PSUs for a minimum of 12 months following their Settlement Date.  This holding period shall not apply to shares of Common Stock withheld by the Company to settle tax liabilities related to vesting and/or settlement, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="sEB06A9EC740307907417DCDD1F999CD1"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">EXHIBIT A</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Vesting Schedule Based on Operational Metric</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">A.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Definition of Terms</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Additional Shares&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means any shares of Common Stock to be issued to the Participant on the Vesting Date in the event that the Company&#8217;s Operational Performance Results exceed the Target Performance Level.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Award Agreement&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the Performance Share Unit Award Agreement to which this Exhibit is a part, pursuant to which an award of PSUs has been granted.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Cause&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is defined in Section 11(c) of the Award Agreement.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Disability&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means that the Participant either: (A) is 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 can be expected to last for a continuous period of not less than 12 months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant; or (B) is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Grant Date&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;is defined in the first paragraph of the Award Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Operational Performance Results&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Company&#8217;s Adjusted Return on Equity as defined in Section C below and certified by the Committee for the Performance Period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Performance Period&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the three-year period starting on January 1 of the calendar year in which the Grant Date occurs (&#8220;Start Date&#8221;) and ending on the December 31 immediately preceding the three-year anniversary of the Start Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Retirement Eligible&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means that the Participant has either attained age 60 and completed 10 years of Service as an Employee or attained age 65 and completed five years of Service as an Employee.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Separation from Service&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;has the meaning ascribed to such term in Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Service&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the period during which the Participant is an Employee, Director or a Third Party Service Provider; provided, however, that the Participant will not be deemed to be in service after the Company divests its control in the Affiliate for which the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Target Units&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means one hundred percent (100%) of the total number of PSUs granted on the Grant Date, as specified in Section 1 of the Award Agreement.</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Vesting Date&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the date that the Committee certifies the Operational Performance Results, except as otherwise provided in Section E below.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">B.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Determination of Vesting Date Events</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As soon as practicable following the end of the Performance Period, the Committee will determine the Company&#8217;s Operational Performance Results in accordance with the methodology described in the next section below.  The Company&#8217;s Operational Performance Results will determine the number of Target Units that will vest or be forfeited on the Vesting Date, and the number of Additional Shares, if any, that will be issued to the Participant on the Vesting Date, as described below under &#8220;Vesting Determination.&#8221;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">C.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Operational Performance Calculation Methodology</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The following table shows the Maximum, Target and Threshold Performance Levels for the Company&#8217;s Operational Performance Results:</font></div><div style="line-height:120%;padding-left:9px;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:96.36752136752136%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:32%;"></td><td style="width:31%;"></td><td style="width:36%;"></td><td style="width:1%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:center;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Level of Achievement for Performance Period</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:center;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Operational Performance Results</font></div></td><td colspan="2" style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:6px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;padding-left:6px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Total PSUs to Vest (and/or Additional Shares to be Granted) on Vesting Date as Percentage of Target Units</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:left;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Maximum</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">200</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-right:84px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:left;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Target</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">100</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-right:84px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:left;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Threshold</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">50</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-right:84px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:5px;padding-bottom:5px;padding-right:9px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="padding-bottom:5px;text-align:left;padding-left:9px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Below Threshold</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-left:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:right;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">0</font></div></td><td style="vertical-align:top;border-bottom:1px solid #000000;padding-right:84px;padding-top:2px;padding-bottom:2px;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">%</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:16px;padding-top:8px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">At the conclusion of the Performance Period, the Committee will determine the Company&#8217;s Operational Performance Results in accordance with the formula and methods described below.  For performance that falls between the percentage points specified in the second column of the above table, the total PSUs to vest and/or Additional Shares to be granted shall be interpolated on a straight-line basis.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">Formula for Calculating Operational Performance Results</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">For purposes of this Exhibit, the Operational Performance Results for the Company will be calculated as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Adjusted Return on Equity</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;shall be computed by dividing the sum of Adjusted Net Income for each of the three years in the Performance Period by the sum of the Adjusted Average Shareholders&#8217; Equity for each of the three years.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Adjusted Net Income</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;is defined as Net Income as reported in the Company&#8217;s financial statements for the respective year, adjusted to take into account the after-tax impacts of the following items, to the extent the Committee deems them not indicative of the Company&#8217;s core operating performance:</font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">adjust the amount of Actual CAT Losses and LAE to equal Expected CAT Losses;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">adjust Net Realized Gains on Sales of Investments and Net Impairment Losses Recognized in Earnings to equal Expected Net Realized Gains on Sales of Investments and Expected Net Impairment Losses Recognized in Earnings;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">significant unusual judgments or settlements in connection with the Company&#8217;s legal contingencies or benefit plans; and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iv)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">additional significant unusual or nonrecurring items as permitted by the Plan.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Adjusted Average Shareholders&#8217; Equity</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;is defined as the simple average of Total Shareholders&#8217; Equity as reported in the Company&#8217;s financial statements for the beginning and end of year for each year in the Performance Period, adjusted to take into account the after-tax impacts of the following items, to the extent the Committee deems them not indicative of the Company&#8217;s core operating performance:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(i)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Unrealized Gains and Losses on Fixed Maturity Securities from Adjusted Shareholders Equity;</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(ii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the modifications made in calculating Adjusted Net Income; and</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:96px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:48px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(iii)</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">additional significant unusual or nonrecurring items as permitted by the Plan.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Actual CAT Losses and LAE</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the actual Catastrophe Losses and associated Loss Adjustment Expenses, including catastrophe reserve development, as reported in the Management Reports.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Expected CAT Losses, Expected Net Realized Gains on Sales of Investments, and Expected Net Impairment Losses Recognized in Earnings</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the amounts specified in the Management Reports as &#8220;Planned&#8221; or &#8220;Expected&#8221; for, respectively, (A) Catastrophe Losses and associated Loss Adjustment Expenses, including catastrophe reserve development, (B) Net Realized Gains on Sales of Investments, and (C) Net Impairment Losses Recognized in Earnings.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Management Reports</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the Hyperion reports, or their reporting equivalent, prepared by the Company for the relevant Plan Year or other time period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Unrealized Gains and Losses on Fixed Maturity Securities </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the Unrealized Gains and Losses on Fixed Maturity Securities as reported in the Management Reports.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting Determination</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Except as otherwise provided in Section E, the PSUs held by the Participant will vest, to the extent earned for the Performance Period, and Additional Shares, if any, will be issued to the Participant, on the Vesting Date only if the Participant has not had a Separation from Service prior to such date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Once the Company&#8217;s Operational Performance Results are determined by the Committee, the Company will confirm the number of Target Units that will vest or be forfeited on the Vesting Date, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">and the number of Additional Shares, if any, that will be issued to the Participant on the Vesting Date consistent with the following provisions:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:24px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Company&#8217;s Operational Performance Results are at or above the Target Performance Level, 100% of the Target Units will vest on the Vesting Date.  If the Company&#8217;s Operational Performance Results are above the Target Performance Level, Additional Shares will also be issued to the Participant on the Vesting Date.  If the Company&#8217;s Operational Performance Results are less than the Target Performance Level, some or all of the Target Units will be forfeited.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:24px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The number of the Target Units that will vest on the Vesting Date, and the number of any Additional Shares that will be issued to the Participant on the Vesting Date, will be determined in accordance with the table set forth in Section C above.  Any Target Units that do not vest in accordance with the table will be forfeited on the Vesting Date.</font></div></td></tr></table><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">E.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Determination of Vesting in Case of Certain Terminations and Other Events</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding any contrary provisions of the Plan:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;Retirement Eligible</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  (a) Except as otherwise provided in Section (1)(b) or in another subsection of this Section E, if the Participant is Retirement Eligible, any PSUs that will vest and Additional Shares that will be issued on the Vesting Date will be based on the extent earned for the Performance Period as determined in accordance with the provisions of Sections A &#8211; D above, and then reduced pro-rata by multiplying any such PSUs and Additional Shares by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the Performance Period. A partial month worked shall be counted as a full month if the Participant was actively working for 15 or more days in that month. All PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)  If, on or prior to the last day of the Performance Period, the Participant is Retirement Eligible and either (i) becomes an employee of a competitor of the Company or any of its Affiliates or otherwise engages in any activity that is competitive with the Company or any of its Affiliates, as determined by the Committee in its sole discretion, or (ii) the Participant&#8217;s Service is terminated, or is deemed to be terminated, for Cause, then any of the PSUs that are restricted on the date of such employment, activity or termination shall be forfeited to the Company.  For purposes of the preceding sentence, a Participant&#8217;s Service shall be deemed terminated for Cause if the Participant resigns or is terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause in Section 11(c) of the Award Agreement existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(2)&#160;&#160;&#160;&#160;Termination on Death or Disability</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Vesting Date shall be the date of the Participant&#8217;s death or Disability if the Participant dies or becomes Disabled prior to the three-year anniversary of the Grant Date: (i) while in Service; or (ii) after terminating Service if the Participant (A) was Retirement Eligible on the date of such termination of Service for a reason other than Cause, and (B) had not, at any time prior to the date of the Participant&#8217;s death or Disability, become </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">an employee of a competitor of the Company or any of its Affiliates or otherwise engaged in any activity that is competitive with the Company or any of its Affiliates, as determined by the Committee in its sole discretion.  On such Vesting Date:  (a) the Performance Period shall be deemed to have been completed; (b) a number of PSUs shall vest in an amount equal to the</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">number of Target Units multiplied by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the original Performance Period (a partial month worked shall be counted as a full month if the Participant was actively in Service for 15 or more days in that month); (c) no Additional Shares shall be issued to the Participant; and (d) all PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(3)&#160;&#160;&#160;&#160;Termination on Divestiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided below or in another subsection of this Section E, in the event that, prior to the three-year anniversary of the Grant Date, the Participant is no longer employed by the Company or an Affiliate as a result of the Company&#8217;s divestiture of the business for which the Participant primarily performed services or its controlling interest in the Affiliate for which the Participant was exclusively in Service, or other cessation of the Company&#8217;s control of such Affiliate, the following terms shall apply. Any PSUs that will vest and Additional Shares that will be issued on the Vesting Date will be based on the extent earned for the Performance Period as determined in accordance with the provisions of Sections A &#8211; D above, and then reduced pro-rata by multiplying the number of any such PSUs and Additional Shares by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the Performance Period.  A partial month worked shall be counted as a full month if the Participant was actively working for 15 or more days in that month.  All PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(4)&#160;&#160;&#160;&#160;Other Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If the Participant ceases to be in Service prior to the Vesting Date (including, without limitation, by reason of a divestiture or cessation of control of an Affiliate), and is not Retirement Eligible or subject to a divestiture, under circumstances other than those set forth in the foregoing subsections (1) &#8211; (3) of this Section E or Section 11(b) of the Award Agreement, all unvested PSUs held by the Participant shall be forfeited to the Company on the date of such cessation of Service, and no Additional Shares shall be issued to the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(5)&#160;&#160;&#160;&#160;Leave of Absence</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event that the Participant is on an approved Leave of Absence (other than a short-term disability or Family and Medical Leave Act leave) at the end of the Performance Period or takes such a Leave of Absence at any time during the Performance Period, then the PSUs will vest, forfeit or be granted, as applicable, to the extent earned for the Performance Period, in an amount equal to the number of Target Units that would vest and the number of Additional Shares that would be issued in accordance with the provisions of Sections A &#8211; D above, if any, multiplied by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was an active Employee not on such Leave of Absence and the denominator of which is the total number of months in the Performance Period.</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:0px;"><font style="font-family:inherit;font-size:12pt;">F.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Interpretations Related to Calculations and Determinations Related to Performance</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">:</font></div></td></tr></table><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;Interpretations</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Committee shall have the reasonable discretion to interpret or construe ambiguous, unclear or implied terms applicable to this Agreement, and to make any findings of fact necessary to make a calculation or determination hereunder.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(2)&#160;&#160;&#160;&#160;Disagreements</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  A decision made in good faith by the Committee or the Company shall govern and be binding in the event of any dispute regarding a method of calculation of performance or a determination of vesting or forfeiture in connection with this Award.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(3)&#160;&#160;&#160;&#160;Method of Calculating Final Number of Vested or Forfeited PSUs</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The number of PSUs that will vest or be forfeited and any Additional Shares that will be issued on the Vesting Date pursuant to Section D above for performance that falls between the percentage points specified in the second column of the table in Section C above shall be interpolated on a straight-line basis.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(4)&#160;&#160;&#160;&#160;Rounding Conventions.</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Regarding rounding of results, percentages shall be computed to one decimal point (i.e., XX.X%).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:64px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Target Units that will vest and any Additional Shares that will be issued from the application of the methods in the foregoing subsection F(3) and Section D above shall only be paid out in whole shares of Common Stock.  Any fractional shares that would otherwise result from such application shall be rounded down to the nearest whole number of shares.</font></div></td></tr></table><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 15(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, </font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 15 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
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<TYPE>EX-10.7
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<FILENAME>ex107-psurelativetsr.htm
<DESCRIPTION>EXHIBIT 10.7
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<div><a name="s3C229AE991D54515EC1ADCE981A54006"></a></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;font-weight:bold;">EXHIBIT 10.7</font></div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Kemper Corporation 2020 Omnibus Equity Plan</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">PERFORMANCE SHARE UNIT AWARD AGREEMENT</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(Relative TSR)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">This PERFORMANCE SHARE UNIT AWARD AGREEMENT (&#8220;Agreement&#8221;) is made as of this ______ day of ________________, 20__ (&#8220;Grant Date&#8221;) between KEMPER CORPORATION, a Delaware corporation (&#8220;Company&#8221;), and &#171;name&#187; (&#8220;Participant&#8221;) for an Award of  performance share units (&#8220;PSUs&#8221;), each representing the right to receive one share of the Company&#8217;s common stock (&#8220;Common Stock&#8221;) on the terms and conditions set forth in this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">SIGNATURES</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As of the date set forth above, the parties have accepted the terms of this Agreement by signing this Agreement by an electronic signature, and each party agrees that such signature shall not be denied legal effect, validity or enforceability solely because it was submitted or executed electronically.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">KEMPER CORPORATION &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;PARTICIPANT</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">By:</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">___________________________________&#160;&#160;&#160;&#160;____________________________________</font></div><div style="line-height:120%;padding-bottom:24px;text-align:justify;text-indent:36px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#171;CEO Signature and Title&#187;&#160;&#160;&#160;&#160;&#171;name&#187;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">RECITALS</font></div><div style="line-height:120%;padding-left:0px;padding-bottom:16px;text-align:justify;text-indent:48px;"><font style="padding-bottom:16px;text-align:justify;font-family:Calibri,sans-serif;font-size:12pt;padding-right:48px;">A.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Board of Directors of the Company (&#8220;Board&#8221;) has adopted the Kemper Corporation 2020 Omnibus Equity Plan (&#8220;Plan&#8221;), including all amendments to date, to be administered by the Compensation Committee of the Board or any subcommittee thereof, or any other committee designated by the Board to administer the Plan (&#8220;Committee&#8221;).  Capitalized terms that are not defined herein shall be defined in accordance with the Plan.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">B.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Plan authorizes the Committee to grant to selected Employees, Directors and Third Party Service Providers awards of various types, including performance share units providing the right to receive shares of Common Stock under specified terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">C.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Pursuant to the Plan, the Committee has determined that it is in the best interest of the Company and its shareholders to grant an Award of performance share units to the Participant under the terms and conditions specified in this Agreement as an inducement to remain in the service of the Company and an incentive for increased effort during such service.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">NOW, THEREFORE, the parties hereto agree as follows:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">1.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Grant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company grants an aggregate of &#171;shares&#187; (&#171;shares&#187;) PSUs, which represent the Company&#8217;s unfunded and unsecured promise to issue shares of Common Stock under certain circumstances to the Participant, subject to the terms and conditions set forth in this </font></div><div><br></div><div><div style="line-height:120%;text-align:right;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">As of 5-5-20</font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Agreement.  The PSUs shall not entitle the Participant to any rights of a shareholder of Common Stock and the Participant has no rights with respect to the Award other than rights as a general creditor of the Company.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">2.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Plan</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Award is granted pursuant to the Plan, which is incorporated herein for all purposes.  The Participant agrees to be bound by the terms and conditions of the Plan, which controls in case of any conflict with this Agreement, except as otherwise provided for in the Plan.  No amendment of the Plan shall adversely affect this Award in any material way without the written consent of the Participant.&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">3.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Restrictions on Transfer</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The PSUs shall be restricted during a period (&#8220;Restriction Period&#8221;) beginning on the Grant Date and expiring on the Settlement Date (as defined in Section 6 below). During the Restriction Period, neither this Agreement, the PSUs nor any rights and privileges granted hereby may be transferred, assigned, pledged or hypothecated in any way, whether by operation of the law or otherwise (any such disposition being referred to herein as a &#8220;Transfer&#8221;), except by will or the laws of descent and distribution.  Without limiting the generality of the preceding sentence, no rights or privileges granted hereby may be Transferred during the Restriction Period to the spouse or former spouse of the Participant pursuant to any divorce proceedings, settlement or judgment, unless approved by the Committee.  Any attempt to Transfer this Agreement, the PSUs or any other rights or privileges granted hereby contrary to the provisions hereof shall be null and void and of no force or effect, and the Company shall not recognize or give effect to any such Transfer on its books and records or recognize the person to whom such purported Transfer has been made as the legal or beneficial holder of such PSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">4.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting and Forfeiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The PSUs shall be subject to the terms concerning vesting and forfeiture set forth on Exhibit A to this Agreement and Section 11(b).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">5.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Dividend Equivalents</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. If a cash dividend is declared and paid by the Company with respect to the Common Stock during the Restriction Period, the Participant shall be eligible to receive a cash payment equal to the total cash dividend the Participant would have received had the PSUs and any &#8220;Additional Shares&#8221; granted to Participant pursuant to Exhibit A been actual shares of Common Stock held by the Participant during the Restriction Period, provided and to the extent that that the Participant vests in the PSUs and any such Additional Shares.  Any such cash payment shall be made on the Settlement Date (as defined below) and it shall be subject to applicable withholding obligations as described in Section 8.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">6.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Conversion of PSUs; Issuance of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in Section 10, the Company shall cause one share of Common Stock to be issued, within the time period provided below, for each PSU that is vesting and each Additional Share that is being issued on the applicable Vesting Date in accordance with Exhibit A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Any issuance of Common Stock shall be subject to applicable tax withholding obligations as described in Section 8 and shall be in book-entry form, registered in the Participant&#8217;s name (or in the name of the Participant&#8217;s Representative, as the case may be).  Except as otherwise provided in Section 10, in no event shall the date that Common Stock is issued to the Participant (&#8220;Settlement </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">2</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Date&#8221;) occur later than the first to occur of (a) March 15</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;following the calendar year in which the Vesting Date occurred or (b) 90 days following the Vesting Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">7.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Fair Market Value of Common Stock</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The fair market value (&#8220;Fair Market Value&#8221;) of a share of Common Stock shall be determined for purposes of this Agreement by reference to the closing price of a share of Common Stock as reported by the New York Stock Exchange (or such other exchange on which the shares of Common Stock are primarily traded) for the applicable date, or if no prices are reported for that day, the last preceding day on which such prices are reported (or, if for any reason no such price is available, in such other manner as the Committee in its sole discretion may deem appropriate to reflect the fair market value thereof).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">8.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Withholding of Taxes</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant acknowledges that the vesting of the PSUs will result in the Participant being subject to payroll taxes upon the Vesting Date (if the Participant is an Employee or was an Employee on the Grant Date), except as otherwise determined by the Company and permitted by regulations issued under Section 3121(v)(2) of the Code, and that the issuance of Common Stock pursuant to Section 6 will result in the Participant being subject to income taxes upon the Settlement Date.  Upon a required withholding date, the Company will deduct from the shares of Common Stock that are otherwise due to be delivered to the Participant shares of Common Stock having a Fair Market Value not in excess of the tax withholding requirements based on the maximum statutory withholding rates for the Participant for federal, state and local tax purposes (including the Participant&#8217;s share of payroll or similar taxes) in the applicable jurisdiction, and the Participant shall remit to the Company in cash any and all applicable withholding taxes that exceed the amount available to the Company using shares with respect to which the Settlement Date has occurred.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">9.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Section 409A</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Company intends that the Award hereunder shall either be exempt from the application of, or compliant with, the requirements of Section 409A and this Award Agreement shall be interpreted and administered in accordance with such intent.  In no event shall the Company and/or its Affiliates be liable for any tax, interest or penalties that may be imposed on the Participant (or the Participant&#8217;s estate) under Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">10.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Shares to be Issued in Compliance with Federal Securities Laws and Other Rules</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  No shares of Common Stock issuable in settlement of the PSUs shall be issued and delivered unless and until there shall have been full compliance with all applicable requirements of the Securities Act of 1933, as amended (&#8220;Act&#8221;) (whether by registration or satisfaction of exemption conditions), all applicable listing requirements of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) and any other requirements of law or of any regulatory bodies having jurisdiction over such issuance and delivery.  The Company shall use its best efforts and take all necessary or appropriate actions to ensure that such full compliance on the part of the Company is made.  By signing this Agreement, the Participant represents and warrants that none of the shares to be acquired in settlement of the PSUs will be acquired with a view towards any sale, transfer or distribution of said shares in violation of the Act, and the rules and regulations promulgated thereunder, or any applicable &#8220;blue sky&#8221; laws, and that the Participant hereby agrees to indemnify the Company in the event of any violation by the Participant of such Act, rules, regulations or laws.  The Company will use its best efforts to complete all actions </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">3</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">necessary for such compliance so that settlement can occur within the period specified in Section 6; provided that if the Company reasonably anticipates that settlement within such period will cause a violation of applicable law, settlement may be delayed provided that settlement occurs at the earliest date at which the Company reasonably anticipates that such settlement will not cause a violation of applicable law, all in accordance with Treas. Reg. &#167; 1.409A-2(b)(7)(ii).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">11.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Certain Adjustments; Change in Control</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">If, during the term of this Agreement, there shall be any equity restructurings (within the meaning of FASB Accounting Standards Codification&#174; Topic 718) that causes the per share value of Shares to change, such as a stock dividend, stock split, spin off, rights offering, or recapitalization through a large, nonrecurring cash dividend, and similar matters, the Committee shall make or cause to be made an equitable adjustment to the number and kind of PSUs subject to the Award. If, during the term of this Agreement, there shall be any other changes in corporate capitalization, the Committee shall make or cause to be made an appropriate and equitable substitution, adjustment or treatment with respect to the PSUs in a manner consistent with Sections 4.3 and 21.2 of the Plan. The Committee&#8217;s determination as to what adjustments shall be made, and the extent thereof, shall be final, binding and conclusive. No fractional shares of PSUs shall be issued under the Plan on any such adjustment.  This Award may be subject to early vesting or termination in connection with a Change in Control in accordance with the provisions of Section 20.3 of the Plan.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In the event of a Change in Control as defined in Section 20.1(a) or (b) of the Plan, except as prohibited by applicable laws, rules, regulations or stock exchange requirements, if the Service of a Participant is terminated within the two (2)-year period following such Change in Control by the Company or an Affiliate for reasons other than Cause or by the Participant for Good Reason, the payout opportunities attainable under all outstanding PSUs shall be deemed to have been fully earned based on the greater of (i) targeted performance, or (ii) actual performance being attained for a truncated Performance Period (as defined in Exhibit A) that ends on the date of the Change in Control.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Definitions</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Cause&#8221; means any of the following: (1) the Participant&#8217;s theft or falsification of any Company or Affiliate documents, records or property; (2) the Participant&#8217;s improper use or disclosure of the Company&#8217;s or an Affiliate&#8217;s confidential or proprietary information in breach of the Company&#8217;s Essential Standards of Conduct or an applicable contractual or other obligation, or using such information for personal gain including, without limitation, by trading in Company securities on the basis of material, non-public information; (3) fraud, misappropriation of or intentional material damage to the property or business of the Company or an Affiliate or other action by the Participant which has a material detrimental effect on the Company&#8217;s or an Affiliate&#8217;s reputation or business as determined by the Committee; (4) the Participant&#8217;s material failure or inability to perform any reasonable assigned and lawful duties after written notice from the </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">4</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Company or Affiliate of such failure or inability, and such failure or inability is not cured by the Participant within ten (10) business days; (5) the Participant&#8217;s conviction (including any plea of guilty or nolo contendere) of any felony or any criminal violation involving fraud, embezzlement, misappropriation, dishonesty, the misuse or misappropriation of money or other property or any other crime which has or would reasonably be expected to have an adverse effect on the business or reputation of the Company or an Affiliate or (6) a material breach by the Participant of the policies and procedures of the Company or an Affiliate, including, but not limited to, any breach of the Company&#8217;s Essential Standards of Conduct and the requirements of Section 15. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Employer&#8221; means the Company or Affiliate by which/whom the Participant is employed, or to which/whom the Participant provides services. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Good Reason&#8221; means any action taken by the Employer which results in a material negative change to the Participant in the employment relationship, such as the duties to be performed, the conditions under which such duties are to be performed or the compensation to be received for performing such services.  A termination by the Participant shall not constitute termination for Good Reason unless the Participant shall first have delivered to the Employer written notice setting forth with specificity the occurrence deemed to give rise to a right to terminate for Good Reason (which notice must be given no later than ninety (90) days after the occurrence of such event), and there shall have passed a reasonable time (not less than thirty (30) days) within which the Employer may take action to correct, rescind or otherwise substantially reverse the occurrence supporting termination for Good Reason as identified by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">12.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Participation by Participant in Other Company Plans</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall affect the right of the Participant to participate in and receive benefits under and in accordance with the then current provisions of any retirement plan or employee welfare benefit plan or program of the Company or of any Affiliate of the Company, subject in each case, to the terms and conditions of any such plan or program.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">13.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Not an Employment or Service Contract</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Nothing herein contained shall be construed as an agreement by the Company or any of its Affiliates, expressed or implied, to employ or contract for the services of the Participant, to restrict the right of the Company or any of its Affiliates to discharge the Participant or cease contracting for the Participant&#8217;s services or to modify, extend or otherwise affect in any manner whatsoever, the terms of any employment agreement or contract for services which may exist between the Participant and the Company or any of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">14.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Death of the Participant</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event of the Participant&#8217;s death prior to the Settlement Date, delivery of shares of Common Stock pursuant to Section 6 shall be made to the duly appointed and qualified executor or other personal representative of the Participant, to be distributed in accordance with the Participant&#8217;s will or applicable intestacy law.</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">5</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">15.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Confidentiality, Non-Solicitation and Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;&#32;The Participant agrees that the Award to the Participant under the terms and conditions specified in this Agreement is conditioned upon the Participant&#8217;s compliance with the following confidentiality, non-solicitation and non-disparagement terms and conditions.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(a)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Definitions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  As used in this Section, the following terms have the meanings set forth below:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Confidential Information&#8221; means any and all confidential information, including without limitation any negotiations or agreements between the Company or its Affiliates and third parties, business and marketing plans and related materials, training materials, financial information, plans, executive summaries, capitalization tables, budgets, unpublished financial statements, costs, prices, licenses, employee, customer, supplier, shareholder, partner or investor lists and/or data, products, technology, know-how, business processes, business data, inventions, designs, patents, trademarks, copyrights, trade secrets, business models, notes, sketches, flow charts, formulas, blueprints and elements thereof, databases, compilations, and other intellectual property, whether written or otherwise.  Some or all of the Confidential Information may also be entitled to protection as a &#8220;trade secret&#8221; under applicable state or federal law.  Confidential Information does not include information that the Participant can prove was properly known to the Participant from sources permitted to disseminate the information prior to the Participant&#8217;s employment by, or provision of services to, the Employer, or that has become publicly known and made generally available through no wrongful act of the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Customer&#8221; means any customer of the Company or an Affiliate with which/whom the Participant communicated, for which/whom the Participant performed any services, to which/whom the Participant sold any products, or about which/whom the Participant learned or had access to any Confidential Information, during the twelve (12)-month period immediately preceding the Participant&#8217;s termination of employment from, or provision of services to, the Employer (for any reason). </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Enhanced Restricted Period&#8221; means the twenty-four (24)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Employee&#8221; means any person who was employed by the Company or an Affiliate and had Material Contact pursuant to the Participant&#8217;s duties at any point during the period of twelve (12) months immediately preceding the Participant&#8217;s last day of employment with the Employer. For purposes of this Section, &#8220;Material Contact&#8221; means interaction between the Participant and another employee of the Employer or an Affiliate: (A) with whom the Participant actually dealt or interacted; or (B) whose employment or dealings with the Employer or </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">6</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">services for the Employer were directly or indirectly handled, coordinated, managed, or supervised by the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8220;Restricted Period&#8221; means the twelve (12)-month period commencing on the day following the last day of the Participant&#8217;s employment with the Employer (regardless of the reason(s) for the termination of employment).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(b)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Protection of Confidential Information</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  At all times during the Participant&#8217;s employment with, or provision of services to, the Employer, and at all times thereafter, the Participant agrees to: (A) hold the Confidential Information in strictest confidence, and not to directly or indirectly copy, distribute, disclose, divert, or disseminate, in whole or in part, any of such Confidential Information to any person, firm, corporation, association or other entity except (x) to authorized agents of the Employer who have a need to know such Confidential Information for the purpose for which it is disclosed, or (y) to other persons for the benefit of the Employer, in the course and scope of the Participant&#8217;s employment with or service to the Employer; and (B) refrain from directly or indirectly using the Confidential Information other than as necessary and as authorized in the course and scope of the Participant&#8217;s employment with, or provision of services to, the Employer.  In the event the Participant receives a subpoena or other validly issued administrative or judicial order demanding production or disclosure of Confidential Information, the Participant shall promptly notify the Employer and provide a copy of such subpoena or order and tender to the Employer the defense of any such demand.  The Participant may, if necessary, disclose Confidential Information in judicial proceedings relating to the enforcement of the Participant&#8217;s rights or obligations under this Agreement; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">however</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, that the Participant must first enter into an agreed protective order with the Employer protecting the confidentiality of the Confidential Information.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding the Participant&#8217;s confidentiality and non-disclosure obligations under this Agreement or otherwise, as provided in the Federal Defend Trade Secret Act, the Participant shall not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that is made: (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and solely for the purpose of reporting or investigating a suspected violation of law, or to the Participant&#8217;s attorney in connection with a lawsuit for retaliation for reporting a suspected violation of law; or (B) in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal so that it is not made public.  The Participant understands and acknowledges that nothing in this Agreement prohibits the Participant from reporting possible violations of federal law or regulation to any governmental agency or entity, including but not limited to the Department of Justice or the Securities and Exchange Commission, or making other disclosures or </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">7</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">statements that are protected under the whistleblower, collective bargaining, anti-discrimination and/or anti-retaliation provisions of federal or state law or regulation.  The Participant understands that the Participant does not need prior authorization of the Employer to make any such reports or disclosures, and that the Participant is not required to notify the Employer that the Participant has made such reports or disclosures.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(c)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly, seek to recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees.  Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(i) shall be replaced with those set forth in Appendix I of this Agreement. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in their and the Participant&#8217;s relationship with Customers and Key Business Partners and the </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">8</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not, directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue, or terminate Customer&#8217;s or Key Business Partner&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  In addition to the foregoing restrictions, the Participant agrees that, during the Participant&#8217;s employment with the Employer and during the Enhanced Restricted Period, the Participant shall not be personally involved in the negotiation, competition for, solicitation or execution of any individual book roll over(s) or other book of business transfer arrangements involving the transfer of business away from the Company or an Affiliate.  Notwithstanding the foregoing, if the Participant&#8217;s primary residence is located in the State of California, the restrictions set forth in this subsection (c)(ii) shall be replaced with those set forth in Appendix I of this Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(d)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Notification to New Employers</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  During the Restricted Period, the Participant shall notify any subsequent employer of the Participant&#8217;s obligations under this Section prior to commencing employment.  In addition, during the Restricted Period, the Participant shall provide the Employer and his/her prior manager at the Employer fourteen (14) days&#8217; advance written notice prior to becoming employed by, or retained to represent or provide services to, any person or entity or engaging in any business of any type or form, with such notice including the identity of the prospective employer or business, the specific division (if applicable) for which the Participant will be performing services, the title or position to be assumed by the Participant, the physical location of the position to be assumed by the Participant, and the responsibilities of the position to be assumed by the Participant.  The Participant hereby authorizes the Company and/or any of its Affiliates, at their discretion, to contact the Participant&#8217;s prospective or subsequent employers and inform them of this Section or any other policy or employment agreement between the Participant and the Company and/or its Affiliates that may be in effect at the termination of the Participant&#8217;s employment with the Employer.    </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">9</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(e)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">Non-Disparagement</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Participant shall not make or intentionally cause or direct others to make any written or oral statement that disparages, defames or reflects adversely on the Company or its Affiliates, or their respective business relations.  Without in any way limiting the scope or effect of the preceding sentence, the Participant specifically agrees, represents and warrants that the Participant shall not directly or indirectly disparage the Company&#8217;s and/or its Affiliates&#8217;: (i) officers, management, business practices, policies, procedures and/or operations, (ii) employees or other personnel, employment or other personnel-related decisions, staffing, and/or hiring or termination decisions, practices or other personnel-related activities or occurrences, and/or any other employment-related decisions,  actions or practices by or relating to the Company or the Affiliates, or (iii) any other policies, procedures or matters concerning or relating to the Company, including but not limited to the Company&#8217;s business, operations, employees, </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">management, Customers, suppliers, activities, products, services or any other matter relating to the Company or its Affiliates; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">provided</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;text-decoration:underline;">that</font><font style="font-family:Calibri,sans-serif;font-size:12pt;color:#131313;">&#32;this non-disparagement provision shall not prohibit any statement, reporting or other action this is permitted by subsection (b)(ii) of this Section.  Moreover, unless permitted by applicable law, the Participant shall not encourage or aid any person or entity in the pursuit of any cause of action, lawsuit or any other claim or dispute of any kind against the Company and/or its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(f)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration/Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(i)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Consideration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Participant has received valuable and adequate consideration in exchange for the restrictions in this Section, including but not limited to the Award to the Participant under the terms and conditions specified in this Agreement, offer of employment or continued employment with the Employer, training and continued training, access to the Confidential Information, and access to the Customers and Key Business Partners. </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(ii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Reasonableness of Restrictions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant understands and acknowledges the importance of the relationships which the Company and its Affiliates have with their Employees, Customers and Key Business Partners, as well as how significant the maintenance of the Confidential Information is to the business and success of the Company and its Affiliates, and acknowledges the steps the Company and its Affiliates have taken, are taking and will continue to take to develop, preserve and protect these relationships and the Confidential Information.  Accordingly, the Participant agrees that the scope and duration of the restrictions and limitations described in this Section are reasonable and necessary to protect the legitimate business interests of the Company and its Affiliates, and the Participant agrees and acknowledges that all restrictions and limitations relating to the period following the end of the Participant&#8217;s employment or service with the Employer will apply regardless of the reason the Participant&#8217;s employment or service ends.  The Participant agrees and acknowledges that the enforcement of this Section will not in any way preclude the Participant from becoming gainfully </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">10</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">employed or engaged as a contractor in such manner and to such extent as to provide the Participant with an adequate standard of living.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Tolling</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything herein to the contrary, if the Participant breaches any of the non-solicitation restrictions in Section 15(c), then the Restricted Period (or the Enhanced Restricted Period, if applicable) shall be tolled (retroactive to the date such breach commenced) until such breach or violation has been duly cured.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(iv)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Modification</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If any provision or term in this Section is declared invalid or unenforceable by a court of competent jurisdiction, the invalid and unenforceable portion shall be reformed to the maximum time, activity-related restrictions and/or limitations permitted by applicable law, so as to be valid and enforceable.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(v)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Breach/Remedies</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding anything to the contrary in this Agreement, the Participant agrees and acknowledges that the breach of this Section would cause substantial loss to the goodwill of the Company and/or its Affiliates, and cause irreparable harm for which there is no adequate remedy at law.  Further, because the Participant&#8217;s employment with the Employer is personal and unique, because damages alone would not be an adequate remedy and because of the Participant&#8217;s access to the Confidential Information, the Company  and/or its Affiliates shall have the right to enforce this Section, including any of its provisions, by injunction, specific performance, or other equitable relief, without having to post bond or prove actual damages, and without prejudice to any other rights and remedies that the Company and/or its Affiliates may have for a breach of this Section, including, without limitation, money damages.  The Participant agrees and acknowledges that notwithstanding the arbitration provisions in this Agreement, the Company may elect to file and pursue claims which arise from or relate to the Participant&#8217;s actual or threatened breaches of this Section in state or federal court of competent jurisdiction.  The Participant shall be liable to pay all costs, including reasonable attorneys&#8217; and experts&#8217; fees and expenses, that the Company and/or its Affiliates may incur in enforcing or defending this Section, whether or not litigation is actually commenced and including litigation of any appeal taken or defended by the Company and/or its Affiliates where the Company and/or its Affiliates succeed in enforcing any provision of this Section.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vi)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Forfeiture and Repayment Provisions</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement, the Participant agrees that during the Restricted Period (or the Enhanced Restricted Period, if/as applicable), if the Participant breaches any of the terms or conditions in this Section, then in addition to all rights and remedies available to the Company and/or its Affiliates at law and in equity, the Participant shall immediately forfeit any portion of the Award that has not otherwise been previously forfeited under the applicable terms of this Agreement and that has not yet been paid, exercised, </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">11</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">settled, or vested.  The Company and/or its Affiliates may also require repayment from the Participant of any and all of the compensatory value of the Award that the Participant received during the Restricted Period (or the Enhanced Restricted Period, as applicable), including without limitation the gross amount of any Common Stock distribution or cash payment made to the Participant upon the vesting, distribution, exercise, or settlement of the Award and/or any consideration in excess of such gross amounts received by the Participant upon the sale or transfer of the Common Stock acquired through vesting, distribution, exercise or settlement of the Award.  The Participant shall promptly pay the full amount due upon demand by the Company and/or its Affiliates, in the form of cash or shares of Common Stock at current Fair Market Value.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(vii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Waiver</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The waiver of any breach of the terms of this Section shall not constitute the waiver of any other or further breach hereunder, whether or not of a like nature or kind.  No waiver by the Company or any of its Affiliates of the breach of any term contained in a similar agreement between the Company and/or any of its Affiliates and any other employee or participant, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or construed as, a waiver of the breach of any term of this Section.  No waiver of any provision of this Section shall be valid unless in writing and signed by an authorized representative of the Company or one or more of its Affiliates.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:96px;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">(viii)</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Interpretation</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Any reference to &#8220;Section&#8221; or &#8220;subsection&#8221; in this Section 15 shall refer to this Section 15 or respective subsection.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">16.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Arbitration</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">In lieu of litigation by way of court or jury trial, any dispute or controversy arising hereunder shall be settled by arbitration, in accordance with the arbitration agreement currently in effect by separate agreement between the Participant and the Company or any of its Affiliates and which is incorporated herein by reference. In the event that such arbitration agreement is determined to be inapplicable or unenforceable or if no such arbitration agreement is then in effect, the parties mutually agree to arbitrate any dispute arising out of or related to this Agreement pursuant to the terms of this paragraph.&#160; The parties agree that this Agreement provides sufficient consideration for that obligation and the mutual promises to arbitrate also constitutes consideration for this agreement to arbitrate.&#160; The following terms and conditions shall apply to such arbitration hereunder. The arbitration shall be conducted before a single arbitrator in accordance with the Employment Arbitration Rules of the American Arbitration Association (&#8220;AAA Rules&#8221;) then in effect, and shall be governed by the Federal Arbitration Act. Judgment may be entered on the award of the arbitrator in any court having jurisdiction. Unless provided otherwise in the arbitrator&#8217;s award, each party will pay its own attorneys&#8217; fees and costs. To the extent required by law or the AAA Rules, all administrative costs of arbitration (including filing fees) and the fees of the arbitrator will be paid by the Company. The Participant and the Company waive the right for any dispute to be brought, heard, decided, or arbitrated as a class and/or collective action&#160;(or joinder or consolidation with claims of any other person), and the parties agree that, regardless of anything else in this arbitration provision or the AAA Rules, the interpretation, applicability, enforceability or formation of the class action waiver in this provision </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">12</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">may only be determined by a court and not an arbitrator.&#160; Regardless of anything else in this Agreement, this arbitration provision may not be modified or terminated absent a writing signed by the Participant and the Company stating an intent to modify or terminate the arbitration provision.  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">17.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Governing Law</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided in the foregoing Section or an Appendix to this Agreement, this Agreement and any disputes hereunder shall be governed by and interpreted in accordance with the laws of the State of Delaware, without application of its conflicts of laws principles.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">18.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Miscellaneous</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  This Agreement, together with the Plan, is the entire agreement of the parties with respect to the PSUs granted hereby and may not be amended except in a writing signed by both the Company and the Participant or his or her Representative.  If any provision of this Agreement is deemed invalid, it shall be modified to the extent possible and minimally necessary to be enforceable, and, in any event, the remainder of this Agreement will be in full force and effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">19.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Forfeiture and</font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Clawback of Award</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Notwithstanding the terms regarding vesting and forfeiture or any other provision set forth in this Agreement and as a condition to the receipt of this Award, the rights, payments and benefits with respect to this Award and any shares of Common Stock acquired pursuant to this Award are subject to reduction, cancellation, forfeiture, or recoupment by the Company if and to the extent permitted by Section 15.3 of the Plan,</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">required in accordance with Company policy as in effect from time to time (&#8220;Forfeiture and Clawback Policy&#8221;), and/or as otherwise required by applicable law, rule or regulation of the Securities and Exchange Commission, or rule or listing requirement of the New York Stock Exchange (or such other exchange(s) or market(s) on which shares of the same class are then listed) as in effect from time to time (collectively with the Forfeiture and Clawback Policy, &#8220;Applicable Requirements&#8221;) in connection with an accounting restatement or under such other circumstances as specified in the Applicable Requirements.  Any determination made and action taken under the Forfeiture and Clawback Policy shall be final, binding and conclusive.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">ADDITIONAL PROVISIONS APPLICABLE ONLY TO EXECUTIVE OFFICERS OF THE COMPANY:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">20.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Stock Holding Period</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees to hold the shares of Common Stock acquired upon the conversion of the PSUs for a minimum of 12 months following their Settlement Date.  This holding period shall not apply to shares of Common Stock withheld by the Company to settle tax liabilities related to vesting and/or settlement, and as otherwise may be provided under the Company&#8217;s Stock Ownership Policy.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">13</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="s84DF644B0AE891F1D779DCE981D8A499"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">EXHIBIT A</font></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Vesting Schedule Based on Relative TSR</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">A.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Definition of Terms</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Additional Shares&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means any shares of Common Stock to be issued to the Participant on the Vesting Date in the event that the Company&#8217;s Relative TSR Percentile Rank exceeds the Target Performance Level.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Award Agreement&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the Performance Share Unit Award Agreement to which this Exhibit is a part, pursuant to which an award of PSUs has been granted.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Cause&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">is defined in Section 11(c) of the Award Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Company&#8217;s Relative TSR Percentile Rank&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Company&#8217;s TSR Percentile Rank relative to the companies in the Peer Group as certified by the Committee for the Performance Period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Disability&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means that the Participant either: (A) is 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 can be expected to last for a continuous period of not less than 12 months and, with respect to a Participant who is an Employee, is receiving income replacement benefits for a period of not less than three months under an accident and health plan (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">e.g.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, a long term disability plan) covering Employees of the Company or Affiliate that employs the Participant; or (B) is determined to be totally disabled by the Social Security Administration or Railroad Retirement Board.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Grant Date&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;is defined in the first paragraph of the Award Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Peer Group&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the peer group approved by the Committee which shall be the companies that comprised the S&amp;P Supercomposite Insurance Index at the beginning of the Performance Period (other than the Company), adjusted as of the end of the Performance Period to remove any such companies which are no longer included in the S&amp;P Supercomposite Insurance Index as of the last day of the Performance Period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Performance Period&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the three-year period starting on February 1 of the calendar year in which the Grant Date occurs (&#8220;Start Date&#8221;) and ending on the calendar day immediately preceding the three-year anniversary of the Start Date.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Retirement Eligible&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means that the Participant has either attained age 60 and completed 10 years of Service as an Employee or attained age 65 and completed five years of Service as an Employee.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;&#32;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Separation from Service&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;has the meaning ascribed to such term in Section 409A.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Service&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the period during which the Participant is an Employee, Director or a Third Party Service Provider; provided, however, that the Participant will not be deemed to be in service after </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">14</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Company divests its control in the Affiliate for which the Participant is exclusively in Service, or if the Company&#8217;s control of such Affiliate otherwise ceases.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Target Performance Level&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the Company&#8217;s Relative TSR Percentile Rank at the 50</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;percentile.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Target Units&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means one hundred percent (100%) of the total number of PSUs granted on the Grant Date, as specified in Section 1 of the Award Agreement.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;TSR&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means Total Shareholder Return as determined by the Committee for the Performance Period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;TSR Percentile Rank&#8221; </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">means the percentile performance of the Company and each of the companies in the Peer Group based on the TSR for such company as determined by the Committee for the Performance Period.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#8220;Vesting Date&#8221;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;means the date that the Committee certifies the Company&#8217;s Relative TSR Percentile Rank, except as otherwise provided in Section E below.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">B.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Determination of Vesting Date Events</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">As soon as practicable following the end of the Performance Period, the Committee will determine the Company&#8217;s Relative TSR Percentile Rank in accordance with the methodology described in the next section below.  The Company&#8217;s Relative TSR Percentile Rank will determine the number of Target Units that will vest or be forfeited on the Vesting Date, and the number of Additional Shares, if any, that will be issued to the Participant on the Vesting Date, as described below under &#8220;Vesting Determination.&#8221;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">C.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">TSR Percentile Rank Calculation Methodology</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The Company&#8217;s Relative TSR Percentile Rank will be calculated in a two-step process.  First, the TSR will be calculated for the Company and each company in the Peer Group.  Then, the TSR Percentile Rank for the Company and each of the companies in the Peer Group will be determined.  The TSR and the TSR Percentile Rank will be determined by the Committee in accordance with the formula and methods approved by the Committee, as described below.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">Formula for Calculating TSR</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">For purposes of this Exhibit, the TSR for the Company and each of the companies comprising the Peer Group will be calculated as follows:</font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Ending Stock Price &#8211; Beginning Stock Price + Dividends Reinvested on all Ex-Dividend Dates</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:12px;text-indent:180px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Beginning Stock Price</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">15</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">Share Price Averaging Period</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The beginning and ending stock prices in the above formula for TSR will be calculated using a trailing average approach (</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;">i.e.</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">, average of the closing stock prices for 20 consecutive trading days prior to the beginning and end of the Performance Period).</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">Reinvestment of Dividends and Other Adjustments</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The above TSR formula assumes that dividends are paid and reinvested into additional shares of Common Stock on their ex-dividend dates.  TSR will be adjusted for stock dividends, stock splits, spin-offs and other corporate changes having a similar effect.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-style:italic;font-weight:bold;">Calculation of TSR Percentile Rank</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The percentile performance for determining the TSR Percentile Rank will be measured using the Microsoft Excel function PERCENTRANK.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">D.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Vesting Determination</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Except as otherwise provided in Section E, the PSUs held by the Participant will vest, to the extent earned for the Performance Period, and Additional Shares, if any, will be issued to the Participant, on the Vesting Date only if the Participant has not had a Separation from Service prior to such date.  Once the Company&#8217;s Relative TSR Percentile Rank is determined by the Committee, the Company will confirm the number of Target Units that will vest or be forfeited on the Vesting Date, and the number of Additional Shares, if any, that will be issued to the Participant on the Vesting Date consistent with the following provisions:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:24px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Company&#8217;s Relative TSR Percentile Rank is at the Target Performance Level, 100% of the Target Units will vest on the Vesting Date.  If the Company&#8217;s Relative TSR Percentile Rank is above the Target Performance Level, Additional Shares will also be issued to the Participant on the Vesting Date.  If the Company&#8217;s Relative TSR Percentile Rank is less than the Target Performance Level, some or all of the Target Units will be forfeited.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:24px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The number of the Target Units that will vest on the Vesting Date, and the number of any Additional Shares that will be issued to the Participant on the Vesting Date, will be determined in accordance with the table set forth below.  Any Target Units that do not vest in accordance with the table will be forfeited on the Vesting Date.</font></div></td></tr></table><div style="line-height:120%;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Company&#8217;s Relative TSR Percentile Rank for the Performance Period falls between the percentile levels specified in the first column of the table, the number of PSUs that will vest or Additional Shares that will be granted or forfeited on the Vesting Date shall equal the number corresponding to the percentage interpolated on a straight-line basis. </font></div><div style="line-height:120%;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">16</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;text-align:center;font-size:12pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:82.90598290598291%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:41%;"></td><td style="width:59%;"></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Company&#8217;s Relative TSR Percentile Rank</font></div><div style="text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;"><br></font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Total PSUs to Vest (and/or Additional Shares to be Granted) on Vesting Date as Percentage of Target Units</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:34px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">90</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th </sup></font><font style="font-family:Calibri,sans-serif;font-size:12pt;">or Higher</font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:125px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">200%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:34px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">75</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:125px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">150%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:34px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">50</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:125px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">100%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:34px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">25</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:125px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">50%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:34px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Below 25</font><font style="font-family:Calibri,sans-serif;font-size:12pt;"><sup style="vertical-align:top;line-height:120%;font-size:pt">th</sup></font></div></td><td style="vertical-align:top;border-bottom:1px solid #00000a;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #00000a;border-right:1px solid #00000a;border-top:1px solid #00000a;"><div style="text-align:justify;padding-left:125px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">0%</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:16px;padding-top:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">E.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Determination of Vesting in Case of Certain Terminations and Other Events</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Notwithstanding any contrary provisions of the Plan:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;Retirement Eligible</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  (a) Except as otherwise provided in Section (1)(b) or in another subsection of this Section E, if the Participant is Retirement Eligible, any PSUs that will vest and Additional Shares that will be issued on the Vesting Date will be based on the extent earned for the Performance Period as determined in accordance with the provisions of Sections A &#8211; D above, and then reduced pro-rata by multiplying any such PSUs and Additional Shares by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the Performance Period.  A partial month worked shall be counted as a full month if the Participant was actively working for 15 or more days in that month.  All PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">(b)  If, on or prior to the last day of the Performance Period, the Participant is Retirement Eligible and either (i) becomes an employee of a competitor of the Company or any of its Affiliates or otherwise engages in any activity that is competitive with the Company or any of its Affiliates, as determined by the Committee in its sole discretion, or (ii) the Participant&#8217;s Service is terminated, or is deemed to be terminated, for Cause, then any of the PSUs that are restricted on the date of such employment, activity or termination shall be forfeited to the Company.  For purposes of the preceding sentence, a Participant&#8217;s Service shall be deemed terminated for Cause if the Participant resigns or is terminated and the Committee determines in good faith, either before, at the time of, or after such termination, that one or more of the events or actions described in the definition of Cause in Section 11(c) of the Award Agreement existed as of the time of such termination.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(2)&#160;&#160;&#160;&#160;Termination on Death or Disability</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Vesting Date shall be the date of the Participant&#8217;s death or Disability if the Participant dies or becomes Disabled prior to the three-year anniversary of the Grant Date: (i) while in Service; or (ii) after terminating Service if the Participant (A) was Retirement Eligible on the date of such termination of Service for a reason other than Cause, and (B) had not, at any time prior to the date of the Participant&#8217;s death or Disability, become an employee of a competitor of the Company or any of its Affiliates or otherwise engaged in any activity that is competitive with the Company or any of its Affiliates, as determined by the Committee in its sole discretion.  On such Vesting Date: (a) the Performance Period shall be deemed to have been completed; (b) a number of PSUs shall vest in an amount equal to the</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">number of </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">17</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Target Units multiplied by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the original Performance Period (a partial month worked shall be counted as a full month if the Participant was actively in Service for 15 or more days in that month); (c) no Additional Shares shall be issued to the Participant; and (d) all PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(3)</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Termination on Divestiture</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  Except as otherwise provided below or in another subsection of this Section E, in the event that, prior to the three-year anniversary of the Grant Date, the Participant is no longer employed by the Company or an Affiliate as a result of the Company&#8217;s divestiture of the business for which the Participant primarily performed services or its controlling interest in the Affiliate for which the Participant was exclusively in Service, or other cessation of the Company&#8217;s control of such Affiliate, the following terms shall apply. Any PSUs that will vest and Additional Shares that will be issued on the Vesting Date will be based on the extent earned for the Performance Period as determined in accordance with the provisions of Sections A &#8211; D above, and then reduced pro-rata by multiplying the number of any such PSUs and Additional Shares by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was actively in Service, and the denominator of which is the total number of months in the Performance Period.  A partial month worked shall be counted as a full month if the Participant was actively working for 15 or more days in that month.  All PSUs that do not vest in accordance with this provision shall be forfeited.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(4)</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">Other Termination of Service</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  If the Participant ceases to be in Service prior to the Vesting Date (including, without limitation, by reason of a divestiture or cessation of control of an Affiliate), and is not Retirement Eligible or subject to a divestiture, under circumstances other than those set forth in the foregoing subsections (1) &#8211; (3) of this Section E or Section 11(b) of the Award Agreement, all unvested PSUs held by the Participant shall be forfeited to the Company on the date of such cessation of Service, and no Additional Shares shall be issued to the Participant.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(5)&#160;&#160;&#160;&#160;Leave of Absence</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  In the event that the Participant is on an approved Leave of Absence (other than a short-term disability or Family and Medical Leave Act leave) at the end of the Performance Period or takes such a Leave of Absence at any time during the Performance Period, then the PSUs will vest, forfeit or be granted, as applicable, to the extent earned for the Performance Period, in an amount equal to the number of Target Units that would vest and the number of Additional Shares that would be issued in accordance with the provisions of Sections A &#8211; D above, if any, multiplied by a fraction, the numerator of which is the number of full months in the Performance Period during which the Participant was an active Employee not on such Leave of Absence and the denominator of which is the total number of months in the Performance Period.</font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">18</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;">F.</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Interpretations Related to Calculations and Determinations Related to Performance</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(1)&#160;&#160;&#160;&#160;Interpretations.  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">The</font><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">&#32;</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">Committee shall have the reasonable discretion to interpret or construe ambiguous, unclear or implied terms applicable to this Agreement, and to make any findings of fact necessary to make a calculation or determination hereunder.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(2)&#160;&#160;&#160;&#160;Disagreements. </font><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#32;A decision made in good faith by the Committee or the Company shall govern and be binding in the event of any dispute regarding a method of calculation of performance or a determination of vesting or forfeiture in connection with this Award.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(3)&#160;&#160;&#160;&#160;Method of Calculating Final Number of Vested or Forfeited PSUs.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">The following methods shall apply in determining the number of PSUs that will vest or be forfeited and any Additional Shares that will be issued on the Vesting Date pursuant to Section D above.  As a general rule, the determination for performance that falls between Percentile Rank points in the table in Section D above would be interpolated on a straight-line basis, as stated in Section D.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Specifically, the formula to be used to calculate the final number of PSUs that will vest or be forfeited and any Additional Shares that will be issued is as follows:</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">For TSR performance between the 25th &amp; 50th Percentile Ranks, the number of PSUs that will vest as a % of the total number of PSUs equals:   50% + [(Actual Percentile Rank - 25)/50%]%</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">For TSR performance between the 50th &amp; 75th Percentile Ranks, the number of PSUs that will vest and Additional Shares that will be issued as a % of the total number of PSUs equals:   100% + [(Actual Percentile Rank - 50)/50%]%</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">For TSR performance between the 75th &amp; 90th Percentile Ranks, the number of PSUs that will vest and Additional Shares that will be issued as a % of the total number of PSUs equals:    150% + [(Actual Percentile Rank - 75)/30%]%</font></div></td></tr></table><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Note that since the interval between the 75th &amp; 90th Percentile Rank is shorter (15 percentiles) compared to the other quadrants (25 percentiles), the vesting result for this particular quadrant would be higher compared to the other quadrants.</font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;">(4)&#160;&#160;&#160;&#160;Rounding Conventions.</font></div><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Regarding rounding of TSRs, percentages for each company in the Peer Group shall be computed to two decimal points (i.e., XX.XX%).</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="padding-bottom:16px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Regarding TSR Percentile Rank, the percentile rankings for each company in the Peer Group shall be rounded to the nearest percentage (e.g., 85% rather than 85.4166666%) before calculating the linearly interpolated payout, and the final payout percentage shall be rounded to the nearest percentage (e.g., 183% rather than 183.333333%).</font></div></td></tr></table><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">19</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><table cellpadding="0" cellspacing="0" style="padding-bottom:8px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:120px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:12pt;padding-left:96px;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#8226;</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:justify;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">Target Units that will vest and any Additional Shares that will be issued from the application of the methods and formula set forth in the foregoing subsection F(3) and Section D above shall only be paid out in whole shares of Common Stock.  Any fractional shares that would otherwise result from such application shall be rounded down to the nearest whole number of shares.</font></div></td></tr></table><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">20</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;font-weight:bold;text-decoration:underline;">Appendix I (Employees Whose Primary Residences are Located in California)</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">If the Participant&#8217;s primary residence is located in the State of California:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">1.&#160;&#160;&#160;&#160;Sections 15(c)(i) and (c)(ii) of the foregoing Agreement shall be replaced with the following:</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(i)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Employees</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that the Company and its Affiliates sustain their operations and the goodwill of the Customers and other business relations through its employees.  The Company and its Affiliates have made significant investment in their employees and their ability to establish and maintain relationships with one another and with their Customers, agents, brokers, vendors, suppliers, consultants, partners and/or other business relations in order to further the Company&#8217;s and its Affiliates&#8217; legitimate business interests and operations and to cultivate goodwill.  The Participant further agrees and acknowledges that the Company&#8217;s and its Affiliates&#8217; loss of their employees could adversely affect the Company&#8217;s and its Affiliates&#8217; operations and jeopardize the goodwill that has been established through these employees, and that the Company and its Affiliates therefore have a legitimate interest in preventing the solicitation of its employees and/or the interference with the relationships between the Company and its Affiliates and their employees to the extent that the Participant uses or misuses Confidential Information (as the term is defined in this Section) to so solicit and/or interfere.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly recruit or solicit, attempt to influence or assist, participate in or promote the solicitation of, or otherwise attempt to interfere with or adversely affect the employment of any Restricted Employees. Without limiting the foregoing restriction, during the Restricted Period, the Participant shall not, on behalf of the Participant or any other person or entity, use or rely in any manner on any Confidential Information to directly or indirectly hire, employ or engage any Restricted Employee and shall not engage in the aforesaid conduct through a third party for the purpose of colluding to avoid the restrictions of this subsection(c)(i).  </font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">15(c)(ii)  </font><font style="font-family:Calibri,sans-serif;font-size:12pt;text-decoration:underline;">Non-Solicitation of Business</font><font style="font-family:Calibri,sans-serif;font-size:12pt;">.  The Participant agrees and acknowledges that by virtue of the Participant&#8217;s employment with, or service to, the Employer, the Participant has developed or will develop relationships with and/or had or will have access to Confidential Information about Customers and agents, brokers and similar key business partners (&#8220;Key Business Partners&#8221;) and is, therefore, capable of significantly and adversely impacting existing relationships that the Company or an Affiliate has with them.  The Participant further agrees and acknowledges that the Company and/or its Affiliates have invested in its and the Participant&#8217;s relationship with Customers and Key Business Partners and the goodwill that has been developed with them; therefore, the Company and/or its Affiliates have a legitimate business interest in protecting these relationships against solicitation and/or interference by the Participant for a reasonable period of time after the Participant&#8217;s employment with, or provision of services to, the Employer ends.  Accordingly, during the Participant&#8217;s employment with the Employer and during the Restricted Period, </font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">21</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div></div><div><br></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;padding-left:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">the Participant shall not use or rely in any manner on any Confidential Information to directly or indirectly initiate, contact or engage in any contact or communication, of any kind whatsoever, that has the purpose or effect of: (A) inviting, assisting, encouraging or requesting any Customer or Key Business Partner to (1) transfer the Participant&#8217;s business from the Company or an Affiliate to the Participant, the Participant&#8217;s subsequent employer or any other third party, or (2) otherwise diminish, divert, discontinue or terminate Customer&#8217;s patronage and/or business relationship with the Company or an Affiliate; or (B) inviting, assisting, encouraging or requesting any Customer to purchase any products or services from the Participant, the Participant&#8217;s subsequent employer or any other third party that are or may be competitive with the products or services of the Company or an Affiliate, or use any products or services of the Participant, the Participant&#8217;s subsequent employer or of any other third party that are or may be competitive with the products or services of the Company or an Affiliate.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">2.&#160;&#160;&#160;&#160;Any claims relating to Section 15 of the Agreement shall be governed by and interpreted in accordance with the laws of the State of California.  </font></div><div style="line-height:120%;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:Calibri,sans-serif;font-size:12pt;">&#160;&#160;&#160;&#160;</font></div><div style="line-height:120%;padding-bottom:16px;text-align:justify;text-indent:48px;font-size:12pt;"><font style="font-family:inherit;font-size:12pt;"><br></font></div><div><br></div><div><div style="line-height:120%;padding-bottom:16px;text-align:center;font-size:10pt;"><font style="font-family:Calibri,sans-serif;font-size:10pt;">22</font></div><div style="line-height:120%;text-align:justify;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</div></body>
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      id="d9729591e293-wk-Fact-07468A8A31676F6F9DDCA85D8DD7B7DC">false</dei:PreCommencementTenderOffer>
    <dei:PreCommencementIssuerTenderOffer
      contextRef="D2020Q2AnnMtg"
      id="d9729591e313-wk-Fact-D5F5716B9D966AE6FF63A85D8DD278D2">false</dei:PreCommencementIssuerTenderOffer>
    <dei:Security12bTitle
      contextRef="D2020Q2AnnMtg"
      id="d9729591e355-wk-Fact-19DF1410725D4CA9CCFBA85D8DD89C91">Common Stock, par value $0.10 per share</dei:Security12bTitle>
    <dei:TradingSymbol
      contextRef="D2020Q2AnnMtg"
      id="d9729591e360-wk-Fact-F277626A3F9E2F686092A85D8DD5ABC0">KMPR</dei:TradingSymbol>
    <dei:SecurityExchangeName
      contextRef="D2020Q2AnnMtg"
      id="d9729591e365-wk-Fact-B41288B96366E5AC9A38A85D8DCF8206">NYSE</dei:SecurityExchangeName>
    <dei:EntityEmergingGrowthCompany
      contextRef="D2020Q2AnnMtg"
      id="d9729591e395-wk-Fact-BC87B518FDD3E04CF0A0A85D8DD8EF77">false</dei:EntityEmergingGrowthCompany>
</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>18
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
							if (e.nextSibling.style.display=='none') {
							e.nextSibling.style.display='block';
							} else { e.nextSibling.style.display='none'; }
							}</script>
</head>
<body>
<span style="display: none;">v3.20.1</span><table class="report" border="0" cellspacing="2" id="idp6608472960">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>May 05, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CoverAbstract', window );"><strong>Cover [Abstract]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">May  05,  2020<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">Kemper Corporation<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000860748

<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-18298<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation, State or Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">95-4255452<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">200 E. Randolph Street<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine2', window );">Entity Address, Address Line Two</a></td>
<td class="text">Suite 3300<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Chicago<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">IL<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">60601<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">312<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">661-4600<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre-commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre-commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Title of 12(b) Security</a></td>
<td class="text">Common Stock, par value $0.10 per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">KMPR<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CoverAbstract">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Cover page.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CoverAbstract</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_WrittenCommunications</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
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</SEC-DOCUMENT>
