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<SEC-DOCUMENT>0000950137-06-012014.txt : 20061108
<SEC-HEADER>0000950137-06-012014.hdr.sgml : 20061108
<ACCEPTANCE-DATETIME>20061108121846
ACCESSION NUMBER:		0000950137-06-012014
CONFORMED SUBMISSION TYPE:	S-8 POS
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20061108
DATE AS OF CHANGE:		20061108
EFFECTIVENESS DATE:		20061108

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			1ST SOURCE CORP
		CENTRAL INDEX KEY:			0000034782
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				351068133
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		S-8 POS
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	033-08840
		FILM NUMBER:		061196315

	BUSINESS ADDRESS:	
		STREET 1:		100 NORTH MICHIGAN STREET
		CITY:			SOUTH BEND
		STATE:			IN
		ZIP:			46601
		BUSINESS PHONE:		5742352702

	MAIL ADDRESS:	
		STREET 1:		P O BOX 1602
		STREET 2:		P O BOX 1602
		CITY:			SOUTH BEND
		STATE:			IN
		ZIP:			46634

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FBT BANCORP INC
		DATE OF NAME CHANGE:	19820818
</SEC-HEADER>
<DOCUMENT>
<TYPE>S-8 POS
<SEQUENCE>1
<FILENAME>c09861sv8pos.htm
<DESCRIPTION>POST-EFFECTIVE AMENDMENT TO REGISTRATION STATEMENT
<TEXT>
<HTML>
<HEAD>
<TITLE>sv8pos</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt">Registration
No. 33-8840
</DIV>


<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 1pt solid black; font-size: 1pt">&nbsp;</DIV>








<DIV align="center" style="font-size: 14pt; margin-top: 12pt"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B>
</DIV>

<DIV align="center" style="font-size: 12pt"><B>Washington, D.C. 20549</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>POST&#150;EFFECTIVE
AMENDMENT NO. 2 TO</B>
</DIV>

<DIV align="center" style="font-size: 18pt; margin-top: 12pt"><B>FORM S-8</B>
</DIV>


<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>REGISTRATION STATEMENT</B>
</DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>Under</B></DIV>

<DIV align="center" style="font-size: 12pt; margin-top: 12pt"><B>The Securities Act of 1933</B></DIV>

<DIV align="center" style="font-size: 24pt; margin-top: 12pt"><B>1st SOURCE CORPORATION</B>
</DIV>

<DIV align="center" style="font-size: 10pt">(Exact name of registrant as specified in its charter)</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="47%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="47%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD align="center" valign="top">Indiana
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">35-1068133</TD>
</TR>
<TR style="font-size: 1px">
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top" style="border-top: 1px solid #000000">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">(State or other jurisdiction of
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">(I.R.S. Employer</TD>
</TR>
<TR valign="bottom">
    <TD align="center" valign="top">incorporation or organization)
</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Identification No.)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">100 North Michigan Street, South Bend, Indiana 46601<BR>
(Address of Principal Executive Offices)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><U>1st SOURCE CORPORATION EMPLOYEE STOCK OWNERSHIP AND PROFIT SHARING<BR>
PLAN</u><BR>
(Full title of the plan)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt">Larry E. Lentych<BR>
1st Source Corporation<BR>
100 North Michigan Street<BR>
South Bend, Indiana 46601<BR>
(Name and address of agent for service)</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 12pt"><U>(574)&nbsp;235-2000</U><BR>
(Telephone number, including area code, of agent for service)</DIV>

<DIV style="width: 100%; border-bottom: 1pt solid black; margin-top: 10pt; font-size: 1pt">&nbsp;</DIV>
<DIV style="width: 100%; border-bottom: 2pt solid black; font-size: 1pt">&nbsp;</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>EXPLANATORY NOTE</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On September&nbsp;18, 1986, the Registrant filed with the Securities and Exchange Commission (the
&#147;Commission&#148;) a Registration Statement No.&nbsp;33-8840 on Form S-8, pertaining to the 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP>
Source Corporation Employees&#146; Profit Sharing Plan and Trust. On July&nbsp;2, 2001, the Registrant filed
our Post Effective Amendment No.&nbsp;1 to Registration Statement Number 33-8840 registering an
additional 1,000,000 shares. This Post Effective Amendment No.&nbsp;2 to Registration Statement No.
33-8840 is being filed to reflect the amendment and restatement of the Plan generally effective as
of October&nbsp;1, 2006, to include an employee stock ownership plan component, which is designed to
invest in and hold common stock of the Registrant, and a 401(k) plan component which will hold all
Plan assets not invested in common stock of the Registrant. Further, it should be noted that the
amendment and restatement of the Plan changes the name of the Plan from the &#147;1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source
Corporation Employees&#146; Profit Sharing Plan and Trust&#148; to the &#147;1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation
Employee Stock Ownership and Profit Sharing Plan&#148; (the &#147;Plan&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This Post-Effective Amendment No.&nbsp;2 to Form S-8 sets forth the complete text of Form S-8
rather than just the amended portions thereof.
</DIV>
<!-- link1 "PART I INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS" -->
<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left"><A NAME="000"></A></DIV>
<DIV align="left"><A NAME="000"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PART I</B>
</DIV>


<!-- TOC -->
<A name="toc"><DIV align="CENTER"><U><B>TABLE OF CONTENTS</B></U></DIV></A>

<P><CENTER>
<TABLE border="0" width="90%" cellpadding="0" cellspacing="0">
<TR>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="3%"></TD>
	<TD width="76%"></TD>
</TR>
<TR><TD colspan="9"><A HREF="#000">PART I INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</A></TD></TR>
<TR><TD colspan="9"><A HREF="#001">PART II INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#002">Item&nbsp;3. Incorporation of Documents by Reference</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#003">Item&nbsp;4. Description of Securities</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#004">Item&nbsp;5. Interests of Named Experts and Counsel</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#005">Item&nbsp;6. Indemnification of Directors and Officers</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#006">Item&nbsp;7. Exemption from Registration Claimed</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#007">Item&nbsp;8. Exhibits</A></TD></TR>
<TR><TD></TD><TD colspan="8"><A HREF="#008">Item&nbsp;9. Undertakings</A></TD></TR>
<TR><TD colspan="9"><A HREF="#009">SIGNATURES</A></TD></TR>
</TABLE>
</CENTER>
<!-- /TOC -->








<DIV align="center" style="font-size: 10pt; margin-top: 6pt"><B>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The documents containing the information specified in Part&nbsp;I will be sent or given to
employees as specified by Rule&nbsp;428(b)(1) of the Securities Act of 1933, as amended (the &#147;Securities
Act&#148;). Such documents are not being filed with the United States Securities and Exchange Commission
(the &#147;Commission&#148;) either as part of this Registration Statement or as prospectuses or prospectus
supplements pursuant to Rule&nbsp;424 and in reliance on Rule&nbsp;428, of the Securities Act. Such documents
and the documents incorporated by reference in this Registration Statement pursuant to Item&nbsp;3 of
Part&nbsp;II hereof, taken together, constitute a prospectus that meets the requirements of Section
10(a) of the Securities Act.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employees participating in the Plan may obtain a copy of the Plan or the documents
incorporated by reference in Item&nbsp;3 of Part&nbsp;II below, at no cost, by writing or telephoning
Treasurer, 1st Source Corporation, 100 North Michigan Street, South Bend, Indiana 46601; telephone
(574)&nbsp;235-2121. These documents are also incorporated by reference in the prospectus.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "PART II INFORMATION REQUIRED IN THE REGISTRATION STATEMENT" -->
<DIV align="left"><A NAME="001"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>PART II</B>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 6pt"><B>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</B>
</DIV>

<!-- link2 "Item&nbsp;3. Incorporation of Documents by Reference" -->
<DIV align="left"><A NAME="002"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;3. Incorporation of Documents by Reference.</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The following documents filed with the Commission by the Registrant are hereby incorporated by
reference in this Registration Statement:
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(a)(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Annual Report of the Plan on Form 11-K for the year ended December&nbsp;31, 2005, as filed with
the Commission on June&nbsp;29, 2006.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(a)(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Annual Report of the Registrant on Form 10-K for the year ended December&nbsp;31, 2005, as filed
with the Commission on March&nbsp;3, 2006.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>All other reports filed pursuant to Section 13(a) or 15(d) of the Exchange Act since the end
of the fiscal year covered by the Annual Report referred to in (a)&nbsp;above.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="3%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The information set forth under the caption &#147;Description of Registrant&#146;s Securities to be
Registered&#148; in the registrant&#146;s Registration Statement on Form S-2, Reg. No.&nbsp;33-9087, dated
December&nbsp;16, 1986, including any amendments or reports filed for the purpose of updating that
description.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents (other than those portions provided under Items 2.02 and 7.01 of Forms 8-K)
filed by the Registrant pursuant to Sections&nbsp;13(a), 13(c), 14 or 15(d) of the Exchange Act, after
the date hereof and prior to the filing of a post-effective amendment to this Registration
Statement indicating that all securities offered hereby have been sold or which deregisters all
such securities then remaining unsold, shall also be deemed to be incorporated by reference in this
Registration Statement and to be a part hereof commencing on the respective dates on which such
reports and documents are filed with the Commission.
</DIV>
<!-- link2 "Item&nbsp;4. Description of Securities" -->
<DIV align="left"><A NAME="003"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;4. Description of Securities.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>
<!-- link2 "Item&nbsp;5. Interests of Named Experts and Counsel" -->
<DIV align="left"><A NAME="004"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;5. Interests of Named Experts and Counsel.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>
<!-- link2 "Item&nbsp;6. Indemnification of Directors and Officers" -->
<DIV align="left"><A NAME="005"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;6. Indemnification of Directors and Officers.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Indiana Business Corporation Law provides in regard to indemnification of directors and
officers as follows:
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23-1-37-8 <B>Indemnification of director against liability</B>
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sec. 8.(a) A corporation may indemnify an individual made a party to a proceeding because
the individual is or was a director against liability incurred in the proceeding if;
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(1)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the individual&#146;s conduct was in good faith; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(2)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>the individual reasonably believed;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>in the case of conduct in the individual&#146;s
official capacity with the corporation, that the individual&#146;s conduct
was in its best interest; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>in all other cases, that the individual&#146;s
conduct was at least not opposed to its best interests; and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="4%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(3)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>in the case of any criminal proceeding, the individual either;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>had reasonable cause to believe the
individual&#146;s conduct was lawful; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>had no reasonable cause to believe the
individual&#146;s conduct was unlawful.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;A director&#146;s conduct with respect to an employee benefit plan for a purpose the director
reasonably believed to be in the interests of the participants in and beneficiaries of the plan is
conduct that satisfies the requirement of subsection (a)(2)(B).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;The termination of a proceeding by judgment, order, settlement, conviction, or upon a plea
of nolo contendere or its equivalent is not, of itself, determinative that the director did not
meet the standard of conduct described in this section.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23-1-37-9 <B>Mandatory indemnification of director against expense</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sec. 9. Unless limited by its articles of incorporation, a corporation shall indemnify a
director who was wholly successful, on the merits or otherwise, in the defense of any proceeding to
which the director was a party because the director is or was a director of the corporation against
reasonable expenses incurred by the director in connection with the proceeding.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23-1-37-13 <B>Officers, employees or agents; indemnification and advance of expense</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sec. 13. Unless a corporation&#146;s articles of incorporation provide otherwise:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) an officer of the corporation, whether or not a director, is entitled to mandatory
indemnification under section 9 of this chapter, and is entitled to apply for court-ordered
indemnification under section 11 of this chapter, in each case to the same extent as a
director;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) the corporation may indemnify and advance expenses under this chapter to an
officer, employee, or agent of the corporation, whether or not a director, to the same
extent as to a director; and
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) a corporation may also indemnify and advance expenses to an officer, employee, or
agent whether or not a director, to the extent, consistent with public policy, that may be
provided by its articles of incorporation, bylaws, general or specific action of its board
of directors, or contract.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23-1-37-15 <B>Indemnification rights under articles of incorporation, by-laws or resolutions</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Sec. 15. (a)&nbsp;The indemnification and advance for expenses provided for or authorized by this
chapter does not exclude any other rights to indemnification and advance for expenses that a person
may have under:
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1) a corporation&#146;s articles of incorporation or bylaws;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) a resolution of the board of directors or of the shareholders; or
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) any other authorization, whenever adopted, after notice, by a majority vote of all
the voting shares then issued and outstanding.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;If the articles of incorporation, by-laws, resolutions of the board of directors or of the
shareholders, or other duly adopted authorization of indemnification or advance for expenses limit
indemnification or advance for expenses, indemnification and advance for expenses are valid only to
the extent consistent with the articles, by-laws, resolutions of the board of directors or of the
shareholders, or other duly adopted authorization of indemnification or advance for expenses.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;This chapter does not limit a corporation&#146;s power to pay or reimburse expenses incurred by
a director, officer, employee, or agent in connection with the person&#146;s appearance as a witness in
a proceeding at a time when the person has not been made a named defendant or respondent to the
proceeding.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Articles of Incorporation of the Registrant provides:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&#147;The Corporation shall, to the fullest extent permitted in and in the manner
provided by Chapter&nbsp;37 of the Act, indemnify every person who is or was a Director
of the Corporation. The Corporation may advance expenses to every person who is or
was a Director of the Corporation to the fullest extent permitted in and in the
manner provided by Chapter&nbsp;37 of the Act. The Corporation shall indemnify and
advance expenses to every person who is or was an Officer of the Corporation to the
same extent as if such person were a Director of the Corporation. The foregoing
indemnification and advance of expenses for Directors and Officers of the
Corporation shall apply when such persons are serving in their official capacity
with the Corporation, when serving at the Corporation&#146;s request while a Director or
Officer of the Corporation as a director, officer, partner, trustee, employee, or
agent of another foreign or domestic corporation, partnership, joint venture, trust,
employee benefit plan, or other enterprise, whether for profit or not, and when
serving as a director or officer of any corporation at least eighty percent (80%) of
the voting capital stock of which is owned of record by the Corporation. All
references in this paragraph to Chapter&nbsp;37 of the Act shall be deemed to include any
amendment or successor thereto. Nothing contained in this paragraph shall limit or
preclude the exercise of any right relating to indemnification or advance of
expenses to any person who is or was a Director or Officer of the Corporation or the
ability of the Corporation to otherwise indemnify or advance expenses to any such
person. The foregoing provisions shall be binding upon any successor to the
Corporation so that each person who is or was a Director or Officer of the
Corporation shall be in the same position with respect to any resulting, surviving,
or succeeding entity as he or she would have been had the separate legal existence
of the Corporation continued; provided, that unless expressly provided or agreed
otherwise, this sentence shall be applicable only to Directors and Officers acting
in such capacity prior to termination of the separate legal existence of the
Corporation. If any word, clause, or sentence of the foregoing provisions regarding
indemnification or advancement of expenses shall be held invalid as contrary to law
or public policy, it shall be severable and the provisions remaining shall not be
otherwise affected. This paragraph shall be interpreted and enforced so as to give
maximum rights to indemnification and advance of expenses to each person who is or
was a Director or Officer of the Corporation. If any Court holds any word, clause,
or sentence of this paragraph invalid, the Court is authorized and empowered to
rewrite these provisions to achieve such purpose.&#148;
</DIV>
<!-- link2 "Item&nbsp;7. Exemption from Registration Claimed" -->
<DIV align="left"><A NAME="006"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;7. Exemption from Registration Claimed.</B>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not applicable.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link2 "Item&nbsp;8. Exhibits" -->
<DIV align="left"><A NAME="007"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;8. Exhibits.</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="6%" nowrap align="left">4.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Articles of Incorporation of 1st Source Corporation as amended
April&nbsp;30, 1996, filed as an exhibit to Form 10-K dated December&nbsp;31,
1996, and incorporated herein by reference.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="6%" nowrap align="left">4.2</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>By-Laws of 1st Source, as amended January&nbsp;29, 2004, and filed
as an exhibit to Form 10-K dated December&nbsp;31, 2003, and incorporated
herein by reference.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="6%" nowrap align="left">5</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Registrant undertakes that the Registrant has submitted or
will submit the 1st Source Corporation Employee Stock Ownership Profit
Sharing Plan and all amendments thereto to the Internal Revenue Service
(&#147;IRS&#148;) in a timely manner and has made or will make all changes
required by the IRS in order to qualify the Plan.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="6%" nowrap align="left">23.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Consent of Ernst &#038; Young LLP.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="6%" nowrap align="left">99.1</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Form of 1st Source Corporation Employee Stock Ownership Profit
Sharing Plan.</TD>
</TR>

</TABLE>
</DIV>
<!-- link2 "Item&nbsp;9. Undertakings" -->
<DIV align="left"><A NAME="008"></A></DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 12pt"><B>Item&nbsp;9. Undertakings.</B>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The undersigned Registrant hereby undertakes:</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(1)&nbsp;To file, during any period in which offers or sales are being made, a post-effective
amendment to this Registration Statement:
</DIV>



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(i) To include any prospectus required by Section&nbsp;10(a)(3) of the Securities Act;
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(ii) To reflect in the prospectus any facts or events arising after the effective date
of the registration statement (or the most recent post-effective amendment thereof) which,
individually or in the aggregate, represent a fundamental change in the information set forth
in the registration statement. Notwithstanding the foregoing, any increase or decrease in
volume of securities offered (if the total dollar value of securities offered would not
exceed that which was registered) and any deviation from the low or high and of the estimated
maximum offering range may be reflected in the form of prospectus filed with the Commission
pursuant to Rule 424(b) if, in the aggregate, the changes in volume and price represent no
more than a 20&nbsp;percent change in the maximum aggregate offering price set forth in the
&#147;Calculations of Registration Fee&#148; table in the effective registration statement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(iii) To include any material information with respect to the plan of distribution not
previously disclosed in the registration statement or any material change to such information
in the registration statement;
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%"><I>Provided, however</I>, that paragraphs (1)(i) and (1)(ii) do not apply if the registration statement is
on Form S-3, Form S-8 or Form F-3, and the information required to be included in a post-effective
amendment by those paragraphs is contained in periodic reports filed with or furnished to the
Commission by the Registrant pursuant to Section&nbsp;13 or Section 15(d) of the Exchange Act that are
incorporated by reference in the registration statement.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(2) That, for the purpose of determining any liability under the Securities Act, each such
post-effective amendment shall be deemed to be a new registration statement relating to the
securities offered therein, and the offering of such securities at that time shall be deemed to be
the initial <I>bona fide </I>offering thereof.
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt; margin-left: 2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(3) To remove from registration by means of a post-effective amendment any of the securities
being registered which remain unsold at the termination of the offering.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(b)&nbsp;The undersigned Registrant hereby undertakes that, for purposes of determining any
liability under the Securities Act of 1933, each filing of the Registrant&#146;s annual report pursuant
to Section 13(a) or 15(d) of the Securities Exchange Act of 1934 (and, where applicable, each
filing of an employee benefit plan&#146;s annual report pursuant to Section 15(d) of the Securities
Exchange Act of 1934) that is incorporated by reference in the Registration Statement shall be
deemed to be a new registration statement relating to the securities offered therein, and the
offering of such securities at that time shall be deemed to be the initial <I>bona fide </I>offering
thereof.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(c)&nbsp;Insofar as indemnification for liabilities arising under the Securities Act of 1933 may be
permitted to directors, officers and controlling persons of the Registrant pursuant to the
foregoing provisions, or otherwise, the Registrant has been advised that in the opinion of the
United States Securities and Exchange Commission such indemnification is against public policy as
expressed in the Securities Act of 1933, as amended, and is, therefore, unenforceable. In the event
that a claim for indemnification against such liabilities (other than the payment by the Registrant
of expenses incurred or paid by a director, officer or controlling person of the Registrant in the
successful defense of any action, suit or proceeding) is asserted by such director, officer or
controlling person in connection with the securities being registered, the Registrant will, unless
in the opinion of its counsel the matter has been settled by controlling precedent, submit to a
court of appropriate jurisdiction the question whether such indemnification by it is against public
policy as expressed in the Securities Act of 1933, as amended, and will be governed by the final
adjudication of such issue.
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>* * *</B>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<!-- link1 "SIGNATURES" -->
<DIV align="left"><A NAME="009"></A></DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>SIGNATURES</B>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt"><I>The Registrant</I>. Pursuant to the requirements of the Securities Act of 1933, the Registrant
certifies that it has reasonable grounds to believe it meets all of the requirements for filing on
Form S-8, and has duly caused this Registration Statement to be signed on its behalf by the
undersigned, thereunto duly authorized, in the City of South Bend, and the State of Indiana, on
this 6th day of November, 2006 .
</DIV>


<TABLE width="100%" border="0" cellspacing="0" cellpadding="0" style="font-size: 10pt">
<TR>
    <TD width="48%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="35%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<TR>
    <TD valign="top" align="left">&nbsp;</TD>
    <TD colspan="3" align="left">1st SOURCE CORPORATION<BR>
(Registrant)<BR>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD valign="top">By:&nbsp;&nbsp;</TD>
    <TD colspan="2" style="border-bottom: 1px solid #000000" align="left"><I>/s/ Christopher J. Murphy, III</I>
&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">Christopher J. Murphy, III, President&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR><TR>
    <TD align="left">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="2" align="left">and Chief Executive Officer&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR>
    <TD colspan="5">&nbsp;</TD>
</TR>
</TABLE>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt">POWER OF ATTORNEY
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Each person whose signature appears below authorizes Christopher J. Murphy and John B. Griffith,
and each of them, to file one or more amendments (including post-effective amendments) to the
Registration Statement, which amendments may make such changes in the Registration Statement
as either of them deems appropriate, and each such person hereby appoints Christopher J. Murphy and
John B. Griffith, and each of them, as attorney-in-fact to execute in the name and on behalf of
each person individually, and in each capacity stated below, any such amendment to the Registration
Statement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Pursuant to the requirements of the Securities Act of 1933, this registration statement has been
signed below by the following persons in the capacities and on the dates indicated.
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Signature</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Title</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Date</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR><TD align="left" valign="top">&nbsp;</TD></TR>
<TR valign="bottom">
    <TD align="left" nowrap valign="top"><I>/s/ Christopher J. Murphy, III</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Christopher J. Murphy, III</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Chairman of the Board,
President, CEO and a Director
(Principal Executive Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Wellington D. Jones, III</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Wellington D. Jones, III</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Executive Vice President
and a Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ John B. Griffith</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
John B. Griffith</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Secretary
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Larry E. Lentych</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Larry E. Lentych</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Treasurer &#038; CFO
(Principal Accounting
and Financial Officer)
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Terry L. Gerber</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Terry L. Gerber</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">
Director
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
    <TD width="3%">&nbsp;</TD>
    <TD width="14%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Signature</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Title</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Date</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ William P. Johnson</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
William P. Johnson</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Craig A. Kapson</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Craig A. Kapson</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ John T. Phair</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
John T. Phair</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Mark D. Schwabero</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Mark D. Schwabero</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;<BR>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
David C. Bowers</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November &#95;&#95;&#95;, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Daniel B. Fitzpatrick</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Daniel B. Fitzpatrick</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Dane A. Miller, Ph.D</I>.
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Dane A. Miller, Ph.D.</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;<BR>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Toby S. Wilt</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November &#95;&#95;&#95;, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;<BR>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Lawrence E. Hiler</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November &#95;&#95;&#95;, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top"><I>/s/ Rex Martin</I>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Rex Martin</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November 6, 2006</TD>
</TR>
<TR valign="bottom" style="padding-top: 1em">
    <TD align="left" nowrap valign="top">&nbsp;<BR>
<DIV style="font-size: 1pt; border-bottom: 1px solid #000000">&nbsp;</DIV>
Timothy K. Ozark</TD>
    <TD>&nbsp;</TD>
    <TD align="center" valign="top">Director</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" valign="top">November &#95;&#95;&#95;, 2006</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>The Plan</I>. Pursuant to the requirements of the Securities Act of 1933, the trustee has duly
caused this registration statement to be signed on its behalf by the undersigned, thereunto duly
authorized, in the City of South Bend, State of Indiana, on this 6th day of November, 2006.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="40%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="40%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="15%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left">1st SOURCE CORPORATION
EMPLOYEE STOCK OWNERSHIP AND PROFIT SHARING PLAN AND TRUST<BR>
(Plan)</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><I>/s/ Christopher J. Murphy, III</I>
<DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
1st Source Bank, Trustee
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt">EXHIBIT LIST
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="89%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">NUMBER</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">DOCUMENT</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Articles of Incorporation of 1st Source Corporation as amended
April&nbsp;30, 1996, filed as an exhibit to Form&nbsp;10-K dated December&nbsp;31,
1996, and incorporated herein by reference.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">4.2
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By-Laws of 1st Source, as amended January&nbsp;29, 2004, and filed
as an exhibit to Form&nbsp;10-K dated December&nbsp;31, 2003, and incorporated
herein by reference.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">5
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">The Registrant undertakes that the Registrant has submitted or
will submit the 1st Source Corporation Employee Stock Ownership Profit
Sharing Plan and all amendments thereto to the Internal Revenue Service
(&#147;IRS&#148;) in a timely manner and has made or will make all changes
required by the IRS in order to qualify the Plan.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">23.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Consent of Ernst &#038; Young LLP.</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">99.1
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Form of 1st Source Corporation Employee Stock Ownership Profit
Sharing Plan.</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>2
<FILENAME>c09861exv23w1.htm
<DESCRIPTION>CONSENT OF ERNST & YOUNG LLP
<TEXT>
<HTML>
<HEAD>
<TITLE>exv23w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="right" style="font-size: 10pt; margin-top: 12pt">EXHIBIT 23.1
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt">CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">We consent to the incorporation by reference in the Post-Effective Amendment No.&nbsp;2 to the
Registration Statement (Form S-8) pertaining to the 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation
Employee Stock Ownership and Profit Sharing Plan of our reports (a)&nbsp;dated March&nbsp;2, 2006,
with respect to the consolidated financial statements of 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation
and subsidiaries, 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation management&#146;s assessment of the
effectiveness of internal control over financial reporting, and the effectiveness of
internal control over financial reporting of 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation and (b)&nbsp;dated
June&nbsp;1, 2006, with respect to the financial statements and schedule of 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source
Corporation Employees&#146; Profit Sharing Plan and Trust included in the Plan&#146;s annual report
(Form 11-K), both for the year ended December&nbsp;31, 2005, filed with the Securities and
Exchange Commission.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">November&nbsp;2,
2006  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; /s/ Ernst &#038; Young LLP
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>c09861exv99w1.htm
<DESCRIPTION>FORM OF EMPLOYEE STOCK OWNERSHIP PROFIT SHARING PLAN
<TEXT>
<HTML>
<HEAD>
<TITLE>exv99w1</TITLE>
</HEAD>
<BODY bgcolor="#FFFFFF">
<!-- PAGEBREAK -->
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>
<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="right" style="font-size: 10pt; margin-top: 12pt"><B>Exhibit&nbsp;99.1</B>
</DIV>


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><B>1ST SOURCE CORPORATION</B>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>EMPLOYEE STOCK OWNERSHIP AND PROFIT SHARING PLAN</B>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>(As Amended and Restated Generally Effective as of October&nbsp;1, 2006)</B>

</DIV>


<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom" style="font-size: 50pt">
    <TD width="5%">&nbsp;</TD>
    <TD width="90%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD>&nbsp;</TD>
    <TD align="center" valign="top"><I>Krieg DeVault LLP<BR>
One Indiana Square, Suite&nbsp;2800<BR>
Indianapolis, IN 46204-2079<BR>
www.kriegdevault.com</I></TD>

<TD valign="top"><DIV style="margin-left:0px; text-indent:-0px"><I>10/06</I>
</DIV></TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>



<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>ADOPTION OF</B></U><BR>
<U><B>1ST SOURCE CORPORATION</B></U><BR>
<U><B>EMPLOYEE STOCK OWNERSHIP AND PROFIT SHARING PLAN</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B>(As Amended and Restated Effective as of October&nbsp;1, 2006)</B>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to resolutions adopted by the Board of Directors of 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation
(the &#147;Company&#148;) on October &#95;&#95;&#95;, 2006, the undersigned officers of the Company hereby adopt the
1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation Employee Stock Ownership and Profit Sharing Plan (as Amended and
Restated Effective as of October&nbsp;1, 2006) on behalf of the Company, in the form attached hereto.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Dated this &#95;&#95;&#95;day of October, 2006.
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="16%">&nbsp;</TD>
</TR>
<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD colspan="3" valign="top" align="left"><B>1ST SOURCE CORPORATION</B></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">By:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Its:</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" valign="top" align="left"><B>ATTEST:</B></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">By:</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Its:</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top"><DIV style="font-size: 1pt; border-top: 1px solid #000000">&nbsp;</DIV>
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->&nbsp;<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>TABLE OF CONTENTS</B></U>
</DIV>

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="84%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" colspan="3" style="border-bottom: 1px solid #000000"><B>Section</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Page</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE I INTRODUCTION</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Purposes</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Effective Date</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">1</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Employers and Affiliates</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Plan Administration; Plan Year</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Funding of Benefits</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Examination of Documents</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Plan Supplements</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;1.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Definition References</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">2</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE II PARTICIPATION AND SERVICE</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>6</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility to Participate</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Commencement of Participation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Duration of Participation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Restricted Participation and Reemployment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">6</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Service</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">7</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Military Service</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">9</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;2.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Notice of Participation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">9</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE III DEFERRALS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>10</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Deferrals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">10</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Compensation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">10</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Changes in Rate of Deferrals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">10</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Deferral Elections</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">No Use of Deferrals to Pay Loan</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;3.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Limitation Due to Hardship Withdrawals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">11</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE IV CONTRIBUTIONS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>12</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Deferral Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Matching Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Fixed Profit Sharing Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">12</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Discretionary Profit Sharing Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Regular Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Qualified Non-Elective Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Limitations on Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">13</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Payment of Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">14</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.9</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rollover Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">14</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.10</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Direct Transfers</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">15</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;4.11</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">After-Tax Employee Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">15</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->i<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="84%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" colspan="3" style="border-bottom: 1px solid #000000"><B>Section</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Page</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE V ALLOCATIONS TO PARTICIPANTS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>16</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Individual Accounts</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">16</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Accounting Date</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Account Adjustments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">19</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Crediting of Deferral Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">20</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Company Stock Accounts</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">21</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Other Investments Accounts</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">23</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">401(k) Accounts</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">25</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allocation of Company Contributions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">27</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.9</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligible Participants</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">28</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.10</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Allocation of Forfeited Remainders</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">29</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.11</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Total Compensation</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">29</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.12</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Maximum Additions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">29</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.13</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Cash Dividends on Company Stock</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">31</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;5.14</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Annual Statements to Participants</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">34</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE VI INVESTMENT OF TRUST ASSETS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>35</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;6.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Investments</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">35</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;6.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Purchase of Company Stock</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">35</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;6.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Sale of Company Stock</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">35</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;6.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Suspense Account</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">36</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;6.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Investment Funds</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">36</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE VII DISTRIBUTION OF BENEFITS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>37</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Retirement or Disability</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">37</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Death</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">37</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Resignation or Dismissal</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">37</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Remainders and Reinstatement of Forfeited Remainders</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">39</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Payment of Benefits</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">40</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Forms of Payment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">41</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Designation of Beneficiary</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">41</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Property Distributed</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">42</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.9</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Direct Rollovers</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">43</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.10</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">In-Service Withdrawals</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">44</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;7.11</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Participant Loans</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">45</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE VIII FUNDING AND PLAN ADMINISTRATION</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>46</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Funding Policy</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">46</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Committee</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">46</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Appointment, Resignation and Removal of Committee Members</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">46</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Committee Procedures</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">46</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Committee Powers and Duties</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">47</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Committee Rules and Decisions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">47</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Interested Committee Member</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">47</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->ii<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="84%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" colspan="3" style="border-bottom: 1px solid #000000"><B>Section</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Page</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Facility of Payment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">48</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.9</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Missing Participants and Beneficiaries</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">48</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.10</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Claims and Review Procedures</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">48</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.11</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Plan Expenses</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">48</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;8.12</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Fiduciary Responsibilities</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">49</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE IX MISCELLANEOUS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>50</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Nonguarantee of Employment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Rights to Trust Assets</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Nonalienation of Benefits</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Applicable State Law</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.5</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Illegal or Invalid Provisions</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.6</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Gender and Number</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.7</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Execution in Counterparts</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.8</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Waiver of Notice</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">50</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.9</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Action by the Employers</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">51</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.10</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Indemnification</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">51</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.11</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Nonguarantee of Funds</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">51</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.12</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Qualified Domestic Relations Orders</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">51</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;9.13</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Federal and State Securities Law Compliance</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">51</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE X AMENDMENT AND TERMINATION</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>53</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;10.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Amendment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;10.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Termination</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;10.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Termination Procedures</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">53</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;10.4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Limitation on Amendment or Termination</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">54</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE XI SUCCESSORS, MERGERS AND PLAN ASSETS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>55</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;11.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Successors</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">55</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;11.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Plan Mergers, Consolidations and Transfers</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">55</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;11.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Plan Assets</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">55</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE XII VOTING COMPANY STOCK</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>56</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;12.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Matters Which Require Pass Through of Voting Rights</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">56</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;12.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Confidential Procedure for Passing Through Voting Rights</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">56</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;12.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Trustee Voting Discretion</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">56</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>ARTICLE XIII DIVERSIFICATION OF COMPANY STOCK</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>57</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;13.1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Election by Qualified Participant</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">57</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;13.2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Method of Diversifying Investment</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">57</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Section&nbsp;13.3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Committee Procedures</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right">57</TD>
    <TD>&nbsp;</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->iii<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="10%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="84%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" colspan="3" style="border-bottom: 1px solid #000000"><B>Section</B></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000"><B>Page</B></TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT A CLAIMS AND REVIEW PROCEDURES</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>A1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT B TOP-HEAVY PROVISIONS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>B1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT C LIMITATIONS ON COMPENSATION DEFERRAL AND MATCHING CONTRIBUTIONS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>C1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT D PARTICIPATION BY AND WITHDRAWAL OF AFFILIATES</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>D1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT E PARTICIPANT LOANS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>E1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT F MINIMUM REQUIRED DISTRIBUTIONS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>F1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT G MONEY PURCHASE PLAN ACCOUNT</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>G1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT H SECTION 1042 NON-ALLOCATION REQUIREMENTS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>H1</B></TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom"><!-- Blank Space -->
    <TD><DIV style="margin-left:15px; text-indent:-15px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD colspan="3" align="left"><B>SUPPLEMENT I EXEMPT LOANS</B></TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="right"><B>I1</B></TD>
    <TD>&nbsp;</TD>
</TR>
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</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->iv<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>1ST SOURCE CORPORATION</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>EMPLOYEE STOCK OWNERSHIP AND PROFIT SHARING PLAN</B></U>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Article&nbsp;I</B></U>

</DIV>

<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Introduction</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.1</B></U> <U><B>Purposes</B></U>. The 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation Employee Stock
Ownership and Profit Sharing Plan (the &#147;Plan&#148;) is maintained by 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation
(the &#147;Company&#148;). The Plan consists of the following two components: (i)&nbsp;a stock bonus plan
qualified under Section 401(a) of the Internal Revenue Code of 1986, as amended (the &#147;Code&#148;) which
is designed to invest primarily in qualifying employer securities, as defined in Code Section
409(l), and which meets the requirements of Code Section&nbsp;4975(e)(7) and Section&nbsp;407(d)(6) of the
Employee Retirement Income Security Act of 1974, as amended (&#147;ERISA&#148;), applicable to employee stock
ownership plans (&#147;ESOPs&#148;) (referred to herein as the &#147;ESOP Component&#148;); and (ii)&nbsp;a qualified cash
or deferred arrangement described in Code Section&nbsp;401(k), no part of which can be invested in
Company Stock and which is therefore not an employee stock ownership plan (referred to herein as
the &#147;401(k) Component&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The purposes of the Plan, as restated<B>, </B>are to enable eligible employees to (i)&nbsp;provide for
their future financial security by deferring a portion of their compensation and having those funds
accumulate in their 401(k) Account, (ii)&nbsp;share in the growth and prosperity of the Company, (iii)
accumulate capital for their future economic security, and (iv)&nbsp;acquire beneficial stock ownership
interests in the Company. Contributions to the portion of the Plan which consists of the ESOP
Account will be invested primarily in qualifying employer securities, within the meaning of Code
Section&nbsp;4975(e)(8) and ERISA Section&nbsp;407(d)(5), issued by the Company (&#147;Company Stock&#148;).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Plan is also designed to assist the Company in meeting some of its corporate finance
objectives. Accordingly, it may be used to:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Provide an entity which can purchase Company Stock from time to time in the
open market or directly from the Company.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Receive loans (or other extensions of credit) to finance the acquisition of
Company Stock, with such loans (or credit) secured primarily by a commitment by the
Company to make (subject to the limitations in Section&nbsp;5.12) Company Contributions to
the Trust in amounts sufficient to enable principal and interest on such loans to be
repaid.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.2</B></U> <U><B>Effective Date</B></U>. The Plan was originally established by the
Company as the 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation Employees&#146; Profit Sharing Plan effective September
28, 1971 (the &#147;Original Effective Date&#148;).
The 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation Employees&#146; Money Purchase Pension Plan was merged with
and into the Plan, effective as of December&nbsp;31, 2002, with the Plan being the surviving plan. The
ESOP component was added to the Plan effective with this restatement. The &#147;Effective Date&#148; of the
Plan, as amended and restated, is October 1 2006, unless otherwise
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->1<!-- /Folio -->
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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="margin-left: 0%; text-indent: 0%; margin-right: 0%; font-size: 10pt; margin-top: 6pt">specified in the Plan or
required by applicable law. The provisions of the Plan as restated only apply to an individual
employed by an Employer on or after the Effective Date. The rights and benefits, if any, of an
employee whose employment with the Employers terminated before the Effective Date will be
determined in accordance with the terms of the Plan as of the date of his termination; provided,
however, that if a Participant&#146;s benefits were not fully distributed prior to the Effective Date,
then the provisions of the Plan, as restated herein, will govern the subsequent investment and
distribution of those benefits.</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.3</B></U> <U><B>Employers and Affiliates</B></U>. Any Affiliate may adopt the Plan for
the benefit of its employees with the Company&#146;s consent in accordance with Supplement D. For
purposes of the Plan, &#147;Affiliate&#148; means the Company and any other corporation or trade or business
whose employees are treated as being employed by the Company under Code Section&nbsp;414(b), 414(c),
414(m) or 414(o). The Company and each other Affiliate that adopts the Plan are referred to as the
&#147;Employers&#148; and sometimes individually as an &#147;Employer.&#148;
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.4</B></U> <U><B>Plan Administration; Plan Year</B></U>. The Plan is administered by the
Retirement Plan Committee (the &#147;Committee&#148;), as described in Article&nbsp;VIII, on the basis of a &#147;Plan
Year&#148;, which is the 12-month period commencing on each January 1 and ending on the following
December&nbsp;31. Any notice or document required to be given to or filed with an Employer or the
Committee will be properly given or filed if delivered or mailed, by registered mail, postage
prepaid, to:
</DIV>

<DIV align="left" style="margin-left: 6%; text-indent: 0%; margin-right: 0%; font-size: 10pt; margin-top: 6pt">The Retirement Plan Committee<BR>
c/o 1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP> Source Corporation<BR>
100 N. Michigan Street<BR>
South Bend, Indiana 46601</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.5</B></U> <U><B>Funding of Benefits</B></U>. Funds contributed to the Plan will be held
and invested in a trust (the &#147;Trust&#148;), until distribution, by one or more trustees (the &#147;Trustee&#148;)
appointed by the Company, in accordance with the terms of one or more trust agreements (the &#147;Trust
Agreement&#148;) between the Company and the Trustee which implement and form a part of the Plan. The
provisions of and benefits under the Plan are subject to the terms and provisions of the Trust
Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.6</B></U> <U><B>Examination of Documents</B></U>. Copies of the Plan and Trust Agreement,
and any amendments of either document, will be made available at the principal office of each
Employer where they may be examined by any Participant or other person entitled to benefits under
the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.7</B></U> <U><B>Plan Supplements</B></U>. The provisions of the Plan may be modified by
supplements to the Plan. The terms and provisions of each supplement are a part of the Plan and
supersede any other provisions of the Plan to the extent necessary to eliminate any inconsistencies
between the supplement and any other Plan provisions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;1.8</B></U> <U><B>Definition References</B></U>. The following terms are defined in the
Plan in the following Sections:
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="82%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Term</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Plan Section</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Accounting Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Accounting Period</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Actual Deferral Percentage</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">C-3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Adverse Benefit Determination</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">A-3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Affiliate</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">After-Tax Employee Contributions</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.11</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">After-Tax Employee Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(viii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">After-Tax Employee Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(G)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">After-Tax Employee Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(G)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Aggregated Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-5(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Alternate Payee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">9.12</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Annual Addition</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.12(b)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Annual Dollar Limitation</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">C-2(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Authorized Leave of Absence</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.5(e)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Beneficiary</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.7</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Benefit Claim</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">A-1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Board</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.5(c)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Catch-Up Contributions</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">3.1(b)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Catch-Up Contributions Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(ii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Claimant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">A-1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Code</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Committee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Company</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Company Contributions</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.8</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Company Contributions Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.8</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Company Stock</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Company Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">3.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Cap</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.11</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Deferral Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Deferral Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(i)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Deferral Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(A)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Deferral Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(A)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Compensation Deferrals</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">3.1(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Contribution Percentage</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">C-4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Covered Employee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.1(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Determination Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Direct Rollover</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.9(d)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="82%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Term</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Plan Section</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Discretionary Profit Sharing Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Discretionary Profit Sharing Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(iv)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Distributee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.9(c)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Distribution Calendar Year</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">F-1(c)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Effective Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Elective Deferral</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">C-2(c)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Eligible Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.9</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Eligible Retirement Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.9(b)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Eligible Rollover Distribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.9(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Eligibility Period</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.5(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Employer(s)</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Entry Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">ERISA</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">ESOP</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">ESOP Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">ESOP Component</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Fixed Profit Sharing Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Fixed Profit Sharing Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(iii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Fixed Profit Sharing Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(C)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Fixed Profit Sharing Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(C)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">401(k) Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">401(k) Component</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Highly Compensated Employee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.12(d)(ii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Hour of Service</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.5(b)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Inactive Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Investment Funds</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">6.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Investment Window</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">6.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Key Employee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-3(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Loan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">I-1(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Married Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.7(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Matching Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Matching Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(ii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Matching Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(B)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Matching Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(B)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Money Purchase Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(H)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Money Purchase Plan Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(ix)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Money Purchase Plan-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(H)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Money Purchase Plan-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(H)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Nonallocation Period</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">H-2(c)(i)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Non-Key Employee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-3(b)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Normal Retirement Age</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">One-Year Break in Service</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.5(d)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Original Effective Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Other Investments Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->4<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="82%">&nbsp;</TD>
    <TD width="2%">&nbsp;</TD>
    <TD width="18%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Term</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" style="border-bottom: 1px solid #000000">Plan Section</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">2.2</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Percentage Limitation</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">C-3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Plan Termination Date</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">10.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Plan Year</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Prior Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(I)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Prior Plan Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(x)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Prior Plan-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(I)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Prior Plan-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(I)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Domestic Relations Order</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">9.12</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Election Period</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">13.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Non-Elective Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.6</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Non-Elective Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(vi)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Non-Elective Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(E)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Non-Elective Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(E)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Qualified Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">13.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Reemployed Participant</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Regular Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Regular Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(v)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Regular Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(D)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Regular Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(D)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Remainder</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.4</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rollover Contribution</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">4.9</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rollover Contribution Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(b)(vii)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rollover Contribution-Cash Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(ii)(F)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Rollover Contribution-Stock Account</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.1(a)(i)(F)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Surviving Spouse</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.7(c)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Top-Heavy Group</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-5(a)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Top-Heavy Plan</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">B-1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Total and Permanent Disability</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.1</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Total Compensation</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">5.11</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Trust</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Trust Agreement</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Trustee</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">1.5</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Valuation Calendar Year</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">F-2(a)(i)</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Vested Percentage</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.3</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Years of Service</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">7.3</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->5<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;II</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Participation and Service</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.1</B></U> <U><B>Eligibility to Participate</B></U>. Every individual employed by an
Employer is eligible to participate in the Plan, provided that:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For purposes of making Compensation Deferral and Catch-Up Contributions, he is
a Covered Employee. The term &#147;Covered Employee&#148; means a person employed by an Employer
and classified by the Employer as a common-law employee, except that term does not
include (i)&nbsp;an employee employed in a unit of employees subject to a collective
bargaining agreement where retirement benefits were negotiated in good faith by an
Employer and that unit&#146;s bargaining representative, (ii)&nbsp;a non-resident alien with no
U.S. source income, or (iii)&nbsp;any individual who is not classified as an employee of an
Employer for purposes of the Employer&#146;s payroll records (including, without limitation,
any independent contractor, any leased employee or other individual employed by or
through a temporary help firm, a technical help firm, employee leasing firm or
professional employer organization), regardless of whether such individual is or is
later determined to be a common law employee of the Employer.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For Company Contributions, he is a Covered Employee who has completed an
Eligibility Period in which he has been credited with at least 1,000 Hours of Service
(as determined under Section&nbsp;2.5); and</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.2</B></U> <U><B>Commencement of Participation</B></U>. Subject to the conditions and
limitations of the Plan, each Covered Employee who was a Participant on September&nbsp;30, 2006 will
continue as a Participant on and after October&nbsp;1, 2006. Any other Covered Employee will become a
&#147;Participant,&#148; for purposes of making Compensation Deferral and Catch-Up Contributions, as soon as
administratively practicable following the date he satisfies the eligibility requirements of
Section&nbsp;2.1, or if later, on the date the employee&#146;s employer becomes an Employer pursuant to
Supplement D; and for purposes of receiving Company Contributions, on the first day of January,
April, July or October (an &#147;Entry Date&#148;) coincident with or next following the date he satisfies
the eligibility requirements of Section&nbsp;2.1, or if later the date the employee&#146;s employer becomes
an Employer pursuant to Supplement D. If an employee satisfies the requirements of subsection
2.1(b) but is not a Covered Employee, he will become a Participant on the date he becomes a Covered
Employee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.3</B></U> <U><B>Duration of Participation</B></U>. Subject to Section&nbsp;2.4, an employee
will continue as a Participant until the later of his termination of employment with all of the
Affiliates or the complete distribution of his Plan benefits.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.4</B></U> <U><B>Restricted Participation and Reemployment</B></U>. A Participant who (i)
has ceased to be employed by an Employer but has not received a complete distribution of his Plan
benefits, or (ii)&nbsp;remained in the employ of an Employer, but has ceased to be a Covered Employee
will, upon either such event, become an &#147;Inactive Participant.&#148; An Inactive
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->6<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Participant (including
the Beneficiary of a deceased Participant) will be treated as a Participant for all purposes of the
Plan, except as follows:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An Inactive Participant is not permitted to defer any portion of his
Compensation under Section&nbsp;3.1, is not permitted to make Rollover Contributions under
Section&nbsp;4.9, and will not share in any Company Contributions, under Section&nbsp;4.2 through
Section&nbsp;4.6, or forfeited Remainders, except as provided in Section&nbsp;5.10.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Beneficiary of a deceased Participant cannot designate a Beneficiary under
Section&nbsp;7.7.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;An Inactive Participant who has not terminated employment with all of the Affiliates will
become a Participant upon his return to status as a Covered Employee. An employee who was a
Participant and who has terminated employment with all of the Affiliates and who is subsequently
reemployed by an Employer will become a Participant upon his reemployment as a Covered Employee.
An employee who was not a Participant and who has terminated employment with all of the Affiliates
and who is subsequently reemployed by an Employer will be treated as a new employee and will become
a Participant upon satisfying the requirements of Section&nbsp;2.1. An employee who satisfied the
requirements of Section&nbsp;2.1 but did not become a Participant under Section&nbsp;2.2 will be treated as a
former Participant eligible for active participation in accordance with the foregoing provisions of
this Section.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.5</B></U> <U><B>Service</B></U>. The following terms and provisions apply in determining
a Participant&#146;s service under the Plan:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;Eligibility Period&#148; is (i)&nbsp;the 12 consecutive month period commencing on
the date the employee first performs an Hour of Service, and (ii)&nbsp;each Plan Year
beginning on or after that date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Hour of Service&#148; means each hour for which an employee is directly or
indirectly paid or entitled to payment by an Affiliate for the performance of duties
and for reasons other than the performance of duties (such as vacation, sickness,
disability, back pay or Authorized Leave of Absence) determined and credited in
accordance with Section&nbsp;2530.200b-2 of the Department of Labor regulations which are
incorporated herein by reference. No more than 501 Hours of Service will be credited
under this Section for any computation period in which no duties are performed by the
employee. Employees will be credited with Hours of Service on the basis of the
&#147;actual&#148; method. For purposes of the Plan, the &#147;actual&#148; method means the determination
of Hours of Service from records of hours worked and hours for which an Employer makes
payment or for which
payment is due from an Employer. Hours of Service by an individual considered to be
an employee of an Affiliate under Code Section 414(n) or (o)&nbsp;will be treated as
Hours of Service under this Section.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If an Employer acquires an entity or division or other section of an entity
under an arrangement whereby the acquired entity is not or ceases to be a separate
entity</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>and is merged into an Employer or becomes an Employer, any employees of the
acquired entity will be considered as new employees of the Employer for purposes of
eligibility and vesting on the effective date of the acquisition and will become
Participants in accordance with Section&nbsp;2.1 and Section&nbsp;2.2.</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding the preceding sentence, the Board of Directors of the Company (the
&#147;Board&#148;) may, in its sole discretion, provide for recognition of employment (and, if
desired, compensation) by the acquired entity prior to the effective date of the
acquisition for purposes of eligibility, vesting and contributions. Recognition of
employment under this Section will be evidenced by resolution of the Board and such
other documentation and records as the Committee specifies. Such recognition of
employment is listed in Schedule&nbsp;1 to Supplement D. In the case of an individual
whose employment is to be recognized under this Section, the Committee may require
from the individual or the acquired entity such evidence of employment as the
Committee deems reasonable and proper.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;One-Year Break in Service&#148; means any Plan Year in which the employee
is not credited with more than 500 Hours of Service.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An Authorized Leave of Absence does not constitute a termination of employment.
The Compensation Deferrals or Catch-Up Contributions of a Participant who is on
Authorized Leave of Absence will continue unless the Participant elects to have them
discontinued during the leave of absence. For purposes of the Plan an &#147;Authorized
Leave of Absence&#148; means:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An absence authorized by the Employer under its standard
personnel practices applied uniformly to all similarly situated employees; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An absence due to service in the Armed Forces of the United
States described in any applicable statute granting reemployment rights to
employees engaged in such service.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Solely for purposes of determining whether a One-Year Break in Service has
occurred, an individual who is absent from work for maternity or paternity reasons will
receive credit for the Hours of Service which would otherwise have been credited to
such individual but for such absence, or in any case in which such hours cannot be
determined, eight Hours of Service per day of such absence.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For purposes of this Section, an absence from work for maternity or paternity
reasons means an absence (i)&nbsp;by reason of the pregnancy of the individual, (ii)&nbsp;by
reason of a birth of a child of the individual, (iii)&nbsp;by reason of the placement of
a
child with the individual in connection with the adoption of such child by such
individual, or (iv)&nbsp;for purposes of caring for such child for a period beginning
immediately following such birth or placement.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Hours of Service credited under this Section will be credited (i)&nbsp;in the
computation period in which the absence begins if the crediting is necessary to</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>prevent a One-Year Break in Service in that period, or (ii)&nbsp;in all other cases, in
the following computation period.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>No more than 501 Hours of Service will be credited under this Section in any
computation period. The Committee may require an employee to furnish any information
the Committee may need to establish that the employee&#146;s absence was for one of the
reasons specified above.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.6</B></U> <U><B>Military Service</B></U>. Notwithstanding any provision of the Plan to the
contrary, effective as of December&nbsp;12, 1994, contributions, benefits and service credit with
respect to qualified military service will be provided in accordance with Code Section&nbsp;414(u).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;2.7</B></U> <U><B>Notice of Participation</B></U>. The Committee will notify each Covered
Employee of the date he becomes a Participant in the Plan and will furnish each Participant with a
summary plan description and such other reports required by the applicable governmental rules and
regulations.
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;III</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Deferrals</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.1</B></U> <U><B>Deferrals</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Compensation Deferrals</B></U>. Each Participant may elect to defer from one
percent to the maximum percentage allowed under the Code of his Compensation each Plan
Year in multiples of one percent. Any amount so deferred (referred to as &#147;Compensation
Deferrals&#148;) will be withheld from the Participant&#146;s Compensation and contributed to the
Plan under Section&nbsp;4.1.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Catch-Up Contributions</B></U>. All Participants who are eligible to make
Compensation Deferral Contributions and who will have attained age 50 before the last
day of the Plan Year may elect to make &#147;Catch-Up Contributions&#148; for such Plan Year in
addition to Compensation Deferral Contributions in accordance with and subject to the
limitations of Code Section&nbsp;414(v). Catch-Up Contributions will not be taken into
account for purposes of applying the provisions of the Plan implementing the required
limitations of Code Sections 402(g) and 415. The Plan will not be treated as a failing
to satisfy the provisions of the Plan which implement the requirements of Code Section
401(k)(3), 410(b) or 416, as applicable, by reason of the making of such Catch-Up
Contributions.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.2</B></U> <U><B>Compensation</B></U>. Subject to the limitations described in Section
5.12, a Participant&#146;s &#147;Compensation&#148; for purposes of Section&nbsp;3.1 means the total cash compensation
paid to the Participant during a Plan Year (including the compensation that, but for the
Compensation Deferral and Catch-Up Contribution election made under Section&nbsp;3.1 or an election made
under a Code Section&nbsp;125 plan or 132(f) program maintained by an Employer, would have been paid to
the Participant) by an Employer for services rendered to an Employer as an employee, including
overtime pay, commissions and bonuses but excluding fringe benefits, welfare benefits, deferred
compensation, reimbursements (including moving expenses), expense allowances and bonuses paid in
the form of Company Stock or other nonrecurring awards or prizes.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.3</B></U> <U><B>Changes in Rate of Deferrals</B></U>. A Participant who has elected to
make Compensation Deferrals or Catch-Up Contributions may elect to increase or decrease the rate of
his Compensation Deferrals or Catch-Up Contributions (or to suspend or resume deferrals), within
the limits specified in Section&nbsp;3.1, effective as of the first day of the payroll period which
coincides with or immediately follows the last day of any quarterly Investment Window. Only one
change may be made in each Investment Window. The election will be made in such manner as the
Committee determines and communicates to Participants. A Participant may also discontinue
Compensation Deferral and Catch-Up Contributions, effective as of the first day of the first
payroll period following receipt
by the Committee of a properly completed notice from the Participant. The notice will be made
in such manner as the Committee determines and communicates to Participants.
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.4</B></U> <U><B>Deferral Elections</B></U>. A Participant&#146;s Compensation Deferral and
Catch-Up Contributions election will be effective until his termination of employment with all the
Employers or until changed or discontinued in accordance with Section&nbsp;3.3 and this Section&nbsp;3.4.
Compensation Deferrals and Catch-Up Contributions will normally be made through equal payroll
deductions. The Committee may establish other nondiscriminatory methods for permitting
Compensation Deferrals and Catch-Up Contributions. Any elections or notices that are to be made or
given under this Article must be made at the time and in the manner established by the Committee.
The Committee may also prescribe additional rules and procedures consistent with the foregoing
which govern Compensation Deferral and Catch-Up Contributions elections.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.5</B></U> <U><B>No Use of Deferrals to Pay Loan</B></U>. Compensation Deferrals, Catch-Up
Contributions and Compensation Deferral and Catch-Up Contribution Accounts cannot be used to pay a
Loan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;3.6</B></U> <U><B>Limitation Due to Hardship Withdrawals</B></U>. If a Participant receives
a hardship withdrawal under Section&nbsp;7.10, his Compensation Deferral and, if applicable, his
Catch-Up Contribution election will be suspended as of the withdrawal date until the first day of
the first calendar quarter which occurs at least six months after the withdrawal.
</DIV>

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<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;IV</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Contributions</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.1</B></U> <U><B>Deferral Contributions</B></U>. Subject to the conditions and limitations
of this Article, Article&nbsp;V and Supplement C, each Employer will contribute an amount equal to the
Compensation Deferrals made under Section&nbsp;3.1 for each Plan Year by a Participant employed by that
Employer to the Trustee in the name of the Participant (referred to as a &#147;Compensation Deferral
Contribution&#148;). If all or any portion of a Participant&#146;s Compensation Deferrals for any Plan Year
cannot be contributed due to the limitations or conditions of Section&nbsp;4.7, Section&nbsp;5.12 or
Supplement C the amount that cannot be contributed will be paid to the Participant. If that amount
has already been contributed, the excess contribution will be returned directly to the Participant
in accordance with Section&nbsp;C-3. Subject to the provisions of Code Section&nbsp;414(v), each Employer
will contribute an amount equal to the Catch-Up Contributions made under Section&nbsp;3.1 for each Plan
Year by a Participant employed by that Employer to the Trustee in the name of the Participant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.2</B></U> <U><B>Matching Contributions</B></U>. Subject to the conditions and limitations
of this Article, Article&nbsp;V and Supplement C, as of the last day of each Plan Year, the Employers
may contribute to the Trustee a discretionary amount designated as a &#147;Matching Contribution,&#148; not
to exceed 100&nbsp;percent of Participants&#146; Compensation Deferrals that do not exceed four percent of
Compensation and 50&nbsp;percent of Compensation Deferrals that exceed four percent of Compensation but
do not exceed six percent of Compensation. A Matching Contribution will be allocated in accordance
with subsection 5.8(a) to Eligible Participants who had Compensation Deferral Contributions made on
their behalf by the Employer for that Plan Year and may be paid to the Trust in cash or in whole
shares of Company Stock, as determined by the Board in its sole discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Matching Contributions may also be paid in cash in such amounts and at such times (subject to
the limits of Section&nbsp;5.12), as may be needed to provide the Trust with funds sufficient to pay
when due any principal and interest required by a Loan, except to the extent such payments have
been satisfied by the Trustee from cash dividends paid to it with respect to Company Stock as
provided in subsection 5.13(b).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.3</B></U> <U><B>Fixed Profit Sharing Contributions</B></U><B>. </B>Subject to the conditions and
limitations of this Article and Article&nbsp;V, each Plan Year, an Employer will contribute to the
Trustee an amount equal to two percent of each Eligible Participant&#146;s Total Compensation. Such
contribution will be designated as a &#147;Fixed Profit Sharing Contribution.&#148; Fixed Profit Sharing
Contributions will be allocated in accordance with subsection 5.8(b) and may be paid to the Trust
in cash or in whole shares of Company Stock, as determined by the Board in its sole discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fixed Profit Sharing Contributions may also be paid in cash in such amounts and at such times
(subject to the limits of Section&nbsp;5.12), as may be required to provide the Trust with funds
sufficient to pay when due any principal and interest required by a loan, except to the extent
such payments have been satisfied by the Trustee from cash dividends paid to it with respect to
Company Stock as provided in subsection 5.13(b).
</DIV>

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<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.4</B></U> <U><B>Discretionary Profit Sharing Contributions</B></U><B>. </B>Subject to the
conditions and limitations of this Article and Article&nbsp;V, each Plan year an Employer may also
contribute to the Trustee an amount, determined by the Board in its sole discretion, designated as
a &#147;Discretionary Profit Sharing Contribution.&#148; A Discretionary Profit Sharing Contribution made by
an Employer under this Section will be allocated in accordance with subsection 5.8(c) and may be
paid to the Trust in cash or in whole shares of Company Stock, as determined by the Board in its
sole discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Discretionary Profit Sharing Contributions may also be paid in cash in such amounts and at
such times (subject to the limits of Section&nbsp;5.12), as may be required to provide the Trust with
funds sufficient to pay when due any principal and interest required by a loan, except to the
extent such payments have been satisfied by the Trustee from cash dividends paid to it with respect
to Company Stock as provided in subsection 5.13(b).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.5</B></U> <U><B>Regular Contributions</B></U>. Subject to the conditions and limitations
of this Article and Article&nbsp;V, each Plan Year an Employer may also contribute to the Trustee an
amount, determined by the Board in its sole discretion, designated as a &#147;Regular Contribution.&#148; A
Regular Contribution made by an Employer under this Section will be allocated in accordance with
subsection 5.8(d) and may be paid to the Trust in cash or in whole shares of Company Stock, as
determined by the Board in its sole discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regular Contributions may also be paid in cash in such amounts and at such times (subject to
the limits of Section&nbsp;5.12), as may be required to provide the Trust with funds sufficient to pay
when due any principal and interest required by a Loan, except to the extent such payments have
been satisfied by the Trustee from cash dividends paid to it with respect to Company Stock as
provided in subsection 5.13(b).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.6</B></U> <U><B>Qualified Non-Elective Contributions</B></U>. Subject to the conditions
and limitations of this Article and Article&nbsp;V, each Plan Year an Employer may also contribute to
the Trustee an amount determined by the Board which is necessary to enable the Plan to satisfy the
requirements of Section&nbsp;C-3 and Section&nbsp;C-4. A contribution made by an Employer under this Section
will be designated as a &#147;Qualified Non-Elective Contribution&#148; and allocated in accordance with
subsection 5.8(e) to Participants employed by the Employer during that Plan Year who are not Highly
Compensated Employees. Qualified Non-Elective Contributions may be paid to the Trust in cash or in
whole shares of Company Stock, as determined by the Board in its sole discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.7</B></U> <U><B>Limitations on Contributions</B></U>. An Employer&#146;s contributions made under Section&nbsp;4.1 through Section&nbsp;4.6 for any taxable year
of the Employer (that is, for a Plan Year that begins with or within that taxable year) may not,
unless the Employer specifies otherwise, exceed an amount equal to the maximum amount deductible by
the Employer on account of these contributions for federal income tax purposes for that taxable
year. If Company Contributions are made in the form of Company Stock, the shares will be valued
based on the closing price for Company Stock on the national securities exchange on which Company
Stock is registered for the trading day immediately preceding the date the Company Stock is
contributed.
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.8</B></U> <U><B>Payment of Contributions</B></U>. Compensation Deferral and Catch-Up
Contributions will be paid to the Trustee as soon as practicable after the date the Compensation
Deferrals and Catch-Up Contributions would have been paid to the Participants but for their
elections under Section&nbsp;3.1, but generally no later than the 15<SUP style="font-size: 85%; vertical-align: text-top">th</SUP> business day of the
month following the month in which such amounts would otherwise have been paid to the Participants.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contributions to be made under Section&nbsp;4.2 through Section&nbsp;4.6 (&#147;Company Contributions&#148;) are
to be paid to the Trustee no later than the date prescribed by law for filing the Employer&#146;s
federal income tax return, including extensions. Unless otherwise determined by the Board in its
sole discretion, any contributions paid with respect to a Plan Year under this Section will be
considered to have been paid on the last day of that year, regardless of when actually paid to the
Trustee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All Company Contributions for a Plan Year will be allocated to the Company Contributions
Account when paid. As of the last day of the Plan Year, amounts in the Company Contributions
Account, including amounts contributed after such last day, will be allocated to Participants&#146;
Accounts as provided in Article&nbsp;V. The &#147;Company Contributions Account&#148; is the account used to
reflect Company Stock and other assets held by the Trustee derived from Matching, Fixed Profit
Sharing, Discretionary Profit Sharing, Regular and Qualified Non-Elective Contributions to the
Trust, prior to their allocation to the Participants&#146; Accounts in accordance with the provisions of
Article&nbsp;V and Article&nbsp;VI. The Company Contributions Account will not share in the net income (or
loss) of the Trust, as described in Section&nbsp;5.3.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.9</B></U> <U><B>Rollover Contributions</B></U>. Subject to rules and procedures
established by the Committee, a Participant or Covered Employee may at any time contribute all or
any part of an amount that is eligible for rollover to a qualified plan as determined under the
applicable provisions of the Code (a &#147;Rollover Contribution&#148;) if such Rollover Contribution is (i)
a direct rollover of an Eligible Rollover Distribution from a qualified plan described in Code
Section 401(a) or 403(a) or an annuity contract described in Code Section&nbsp;403(b), excluding
after-tax employee contributions or from an eligible Code Section 457(b) plan maintained by a
state, a political subdivision of a state or any instrumentality of a state or a political
subdivision of a state; (ii)&nbsp;a Participant contribution of an Eligible Rollover Distribution from a
qualified plan described in Code Section 401(a) or 403(a) or an annuity contract described in Code
Section&nbsp;403(b), excluding after-tax employee
contributions or from an eligible Code Section 457(b) plan maintained by a state, a political
subdivision of a state or any instrumentality of a state or a political subdivision of a state; or
(iii)&nbsp;a Participant Rollover Contribution of the portion of a distribution from an individual
retirement account or annuity described in Code Section 408(a) or 408(b) that is eligible to be
rolled over and would otherwise be includible in gross income. However, if the contribution is not
a direct rollover from a plan described above, the contribution must be made within 60&nbsp;days after
the date the Participant receives that amount. A Rollover Contribution will be credited to an
account established under Section&nbsp;5.1 in the name of the Participant or the Covered Employee and
any amount credited to that account will be fully vested and nonforfeitable at all times. Neither
Rollover Contributions nor any part of a Participant&#146;s Rollover Contribution Account can be used to
pay principal or interest on a Loan.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->14<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.10</B></U> <U><B>Direct Transfers</B></U>. At the direction of and in accordance with
rules prescribed by the Committee, a Participant&#146;s or a Covered Employee&#146;s benefits under another
plan which meets the requirements of Code Section 401(a) may be received by the Trustee from the
trustee of that other plan. Any amount so received will be credited to an account established
under Section&nbsp;5.1 in the name of the Participant or Covered Employee and any amount credited to
such an account will be fully vested and nonforfeitable at all times. No portion of any amount
transferred to the Plan under this Section can be used to pay principal or interest on a Loan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;4.11</B></U> <U><B>After-Tax Employee Contributions</B></U>. Participants were allowed to
make voluntary after-tax contributions, designated as &#147;After-Tax Employee Contributions,&#148; to the
Plan prior to January&nbsp;1, 1987. No After-Tax Employee Contributions have been or will be allowed
after that date. Neither After-Tax Employee Contributions nor any part of a Participant&#146;s
After-Tax Employee Contributions Account can be used to pay principal or interest on a Loan.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->15<!-- /Folio -->
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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;V</B></U> <U> <B>Allocations to Participants</B></U>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.1</B></U> <U><B>Individual Accounts</B></U>. The Committee will maintain an &#147;Account&#148; in
the name of each Participant and, if applicable, Covered Employee, to reflect the credits and
charges to be made to such Account under this Article, which will consist of the following:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;ESOP Account&#148; which will consist of the Company Stock Account and the Other
Investments Account as described below:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Company Stock Account&#148; which will consist of the following
subaccounts:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Compensation Deferral Contribution-Stock
Account&#148; to reflect the Participant&#146;s Compensation Deferral and
Catch-Up Contributions which are invested in Company Stock as provided
in subsection 5.5(a);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Matching Contribution-Stock Account&#148; to
reflect the Participant&#146;s allocable share of such contributions which
are invested in Company Stock as provided in subsection 5.5(b);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(C)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Fixed Profit Sharing Contribution-Stock
Account&#148; to reflect the Participant&#146;s allocable share of such
contributions which are invested in Company Stock as provided in
subsection 5.5(c);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(D)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Regular Contribution-Stock Account&#148; to
reflect the Participant&#146;s allocable share of such contributions which
are invested in Company Stock as provided in subsection 5.5(d);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(E)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Qualified Non-Elective Contribution-Stock
Account&#148; to reflect the Participant&#146;s allocable share of such
contributions which are invested in Company Stock as provided in
subsection 5.5(e);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(F)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Rollover Contribution-Stock Account&#148; to
reflect the Participant&#146;s Rollover Contributions which are invested in
Company Stock as provided in subsection 5.5(f);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(G)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;After-Tax Employee Contribution-Stock
Account&#148; to reflect the Participant&#146;s pre-1987 After-Tax Employee
Contributions which are invested in Company Stock as provided in
subsection 5.5(g); and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(H)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Money Purchase Plan-Stock Account&#148; to
reflect the Participant&#146;s share of amounts transferred from the
1<SUP style="font-size: 85%; vertical-align: text-top">st</SUP>
Source Corporation Employees&#146; Money Purchase Pension
Plan (&#147;Money </TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Purchase Plan&#148;) when the Money Purchase Plan was merged
into the Plan effective as of December&nbsp;31, 2002, which are invested in
Company Stock, as provided in subsection 5.5(h). No part of such
account can be used to pay principal or interest on a Loan.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(I)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Prior Plan-Stock Account&#148; to reflect the
Participant&#146;s share of amounts transferred from a qualified plan that
the Company maintained prior to this Plan (&#147;Prior Plan&#148;) which are
invested in Company Stock, as provided in subsection 5.5(i). No part
of such account can be used to pay principal or interest on a Loan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;Other Investments Account&#148; which will consist of the
following subaccounts:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Compensation Deferral Contribution-Cash
Account&#148; to reflect the Participant&#146;s allocable share of cash dividends
and Compensation Deferral and Catch-Up Contributions that have not yet
been used to purchase or to otherwise be invested in Company Stock, as
provided in subsection 5.6(a);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Matching Contribution-Cash Account&#148; to
reflect the Participant&#146;s allocable share of cash dividends and
Matching Contributions made in cash that have not yet been used to
purchase or to otherwise be invested in Company Stock or to make
principal or interest payments on a Loan as provided in subsection
5.6(b);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(C)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Fixed Profit Sharing Contribution-Cash
Account&#148; to reflect the Participant&#146;s allocable share of cash dividends
and Fixed Profit Sharing Contributions that have not yet been used to
purchase or to otherwise be invested in Company Stock or to make
principal or interest payments on a Loan, as provided in subsection
5.6(c);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(D)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Regular Contribution-Cash Account&#148; to
reflect the Participant&#146;s allocable share cash dividends and of Regular
Contributions made in cash that have not yet been used to purchase or
to otherwise be invested in Company Stock or to make principal or
interest payments on a Loan as provided in subsection 5.6(d);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(E)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Qualified Non-Elective Contribution-Cash
Account&#148; to reflect the Participant&#146;s allocable share of cash dividends
and Qualified Non-Elective Contributions made in cash that have not yet
been used to purchase or to otherwise be invested in Company Stock as
provided in subsection 5.6(e);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(F)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Rollover Contribution-Cash Account&#148; to
reflect the Participant&#146;s allocable share of cash dividends and
Rollover Contributions that have not yet been used to purchase or to</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&nbsp;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>otherwise be invested in Company Stock, as provided in subsection
5.6(f);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(G)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;After-Tax Employee Contribution-Cash
Account&#148; to reflect the participant&#146;s allocable share of cash dividends
that have not yet been used to purchase Company Stock or to otherwise
be invested in, as provided in subsection 5.6(g); and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(H)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Money Purchase Plan-Cash Account&#148; to reflect
the Participant&#146;s allocable share of cash dividends that have not yet
been used to purchase or to otherwise be invested in Company Stock, as
provided in subsection 5.6(h). No part of such account can be used to
pay principal or interest on a Loan.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(I)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Prior Plan-Cash Account&#148; to reflect the
Participant&#146;s allocable share of cash dividends that have not yet been
used to purchase or to otherwise be invested in Company Stock, as
provided in subsection 5.6(i). No part of such account can be used to
pay principal or interest on a Loan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;401(k) Account&#148; which will consist of the following subaccounts:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Compensation Deferral Contribution Account&#148; to reflect the
Participant&#146;s Compensation Deferral and Catch-Up Contributions as provided in
subsection 5.7(a);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Matching Contribution Account&#148; to reflect the Participant&#146;s
Matching Contributions as provided in subsection 5.7(b);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Fixed Profit Sharing Contribution Account&#148; to reflect the
Participant&#146;s Fixed Profit Sharing Contributions as provided in subsection
5.7(c);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Discretionary Profit Sharing Contribution Account&#148; to
reflect the Participant&#146;s Discretionary Profit Sharing Contributions as
provided in subsection 5.7(d);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(v)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Regular Contribution Account&#148; to reflect the Participant&#146;s
Regular Contributions as provided in subsection 5.7(e);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(vi)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Qualified Non-Elective Contribution Account&#148; to reflect the
Participant&#146;s allocable share of Qualified Non-Elective Contributions as
provided in subsection 5.7(f);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(vii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Rollover Contribution Account&#148; to reflect Rollover
Contributions made by a Participant or Covered Employee as provided in
subsection 5.7(g);</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(viii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An &#147;After-Tax Employee Contribution Account&#148; to reflect pre-1987 After-Tax
Employee Contributions made by a Participant as provided in subsection 5.7(h);
and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ix)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Money Purchase Plan Account&#148; to reflect the Participant&#146;s
share of amounts transferred from the Money Purchase Plan when it was merged
into the Plan effective as of December&nbsp;31, 2002, as provided in subsection
5.7(i).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(x)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A &#147;Prior Plan Account&#148; to reflect the Participant&#146;s share of
amounts transferred from the Prior Plan, as provided in subsection 5.7(j).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Committee will also establish the suspense account referred to in Section
6.4 if a Loan is incurred by the Trust. The Committee will also maintain such other
accounts or sub-accounts as it determines to be necessary for the proper administration
of the Plan. The Committee will maintain additional subaccounts for each subaccount
listed in subsection 5.1(a)(i), subsection 5.1(a)(ii) and subsection 5.1(b) to reflect
the cash dividends applicable to each subaccount listed. The Committee will maintain
records from which it can be determined the portion of each Account which at any time
is available to meet obligations under a Loan in accordance with Section&nbsp;I-1 and the
portion which is not so available. Unless the context indicates otherwise, references
to a Participant&#146;s &#147;Account&#148; means all accounts maintained in his name under the Plan.
The maintenance of these accounts is only for accounting purposes, and no assets held
under the Trust need be segregated to any account.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.2</B></U> <U><B>Accounting Date</B></U>. The term &#147;Accounting Date&#148; means each day on
which the securities markets of the United States generally are in operation. Any reference to an
&#147;Accounting Period&#148; ending on an Accounting Date means the period since the last preceding
Accounting Date for such subaccount.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.3</B></U> <U><B>Account Adjustments</B></U>. Accounts will be adjusted by the Trustee, at
the direction of the Committee, as of each Accounting Date in accordance with the following:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Withdrawals</B></U>. Any distributions or withdrawals will be debited from the
applicable Account(s) of affected Participants.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Adjustments</B></U>.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The net asset value of the securities and/or other assets
allocated to Accounts will be computed. This net asset value will be equal to
the fair market value of Company Stock, and the market price of other
securities and other assets allocated to the Accounts as of the close of
business on the current Accounting Date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Following the computation of the net asset value for each
Investment Fund, a gain or loss will be assigned to each Account invested in
the fund</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->19<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>based on the net asset value of the Investment Fund on the previous
Accounting Date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any requests for transfers to be made to or from an Investment
Fund or Company Stock Account by any Participant, Inactive Participant or
Beneficiary received prior to the stated deadline on such Accounting Date will
be made. In completing the valuation procedure described above, such
adjustments in the amount credited to such Account will be made on the
Accounting Date to which the investment activity relates. It is intended that
this Section operate to distribute among the Participants&#146; Accounts all income
of the Trust and changes in the value of the Trust&#146;s assets.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In addition to the provisions of this paragraph, if a pooled
Investment Fund is created as a designated fund for Participant investment
election in the Plan, valuation of the pooled Investment Fund will be governed
by the administrative services agreement for that pooled Investment Fund.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Crediting Contributions</B></U>. Contributions will be credited to
Participants&#146; Accounts as set forth in Section&nbsp;5.4, or allocated as set forth in
Section&nbsp;5.8.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Deemed Date of Allocation</B></U>. All credits or deductions made under this
Article to Participants&#146; Accounts will, for all purposes other than the allocation of
income, be deemed to have been made no later than the last day of the Plan Year though
actually determined thereafter. For any period in which one or more Investment Funds
are maintained under Section&nbsp;6.5, the foregoing provisions of this Section will be
applied to the Account balances invested in each Investment Fund and to any withdrawals
or contributions to be allocated to an Investment Fund as if each Investment Fund were
a separate trust fund. No credit to an Investment Fund will be taken into account
under this Section until the Accounting Date the contribution was both paid to the
Trustee and credited to the Investment Fund by the Investment Fund recordkeeper.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Cash Dividends on Company Stock</B></U>. The disposition of cash dividends on
Company Stock is provided for in Section&nbsp;5.13.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Limitation on Company Contributions Account</B></U>. Net income (or loss)
attributable to (i)&nbsp;any limitation account established under Section&nbsp;5.12, or (ii)&nbsp;the
Company Contributions Account, will be allocated as set forth above as earnings on
Other Investments Accounts and the limitation account and the Company Contributions
Account will not share in the allocation of net income (or loss) of the Trust.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.4</B></U> <U><B>Crediting of Deferral Contributions</B></U>. Subject to the conditions
and limitations of this Article and Supplement C, as of each Accounting Date, any Compensation
Deferral and Catch-Up Contributions received by the Trustee on behalf of a Participant under
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->20<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Section&nbsp;4.1 as of that Accounting Date, that are not returned to the Participant under Section&nbsp;4.1,
will be credited to that Participant&#146;s Compensation Deferral or Catch-Up Contribution Account.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.5</B></U> <U><B>Company Stock Accounts</B></U>. Participants will direct the Trustee as
to the investment of their Compensation Deferral Contribution-Stock, Rollover Contribution-Stock,
After-Tax Employee Contribution-Stock and Prior Plan-Stock Accounts. Their Matching
Contribution-Stock, Fixed Profit Sharing Contribution-Stock, Regular Contribution-Stock, Qualified
Non-Elective Contribution-Stock and Money Purchase Plan-Stock Accounts will be invested by the
Trustee as directed by the Committee, except as otherwise provided in Article&nbsp;XIII regarding
diversification of Company Stock.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Compensation Deferral Contribution-Stock Account</B></U>. A Participant&#146;s
Compensation Deferral Contribution-Stock Account will be credited with Company Stock
(including fractional shares) (i)&nbsp;purchased by the Trustee, at the Participant&#146;s
direction, with Compensation Deferral and Catch-Up Contributions; (ii)&nbsp;from stock
dividends on Company Stock allocated to the Participant&#146;s Compensation Deferral
Contribution-Stock Account which constitute his allocable share of Trust income; and
(iii)&nbsp;purchased by the Trustee with cash dividends paid on Company Stock allocated to
the Participant&#146;s Compensation Deferral Contribution-Stock Account, unless the
dividends are otherwise directed by the Participant or Committee pursuant to Section
5.13.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Matching Contribution-Stock Account</B></U>. The Matching Contribution-Stock
Account will be credited with Company Stock (including fractional shares) (i)&nbsp;purchased
by the Trustee with Matching Contributions made in cash; (ii)&nbsp;contributed in kind by
the Employers under Section&nbsp;4.2; (iii)&nbsp;from forfeited Remainders of Company Stock, as
determined under Section&nbsp;7.4; (iv)&nbsp;released from the suspense account referred to in
Section&nbsp;6.4 due to payments on a Loan with Matching Contributions or the Participant&#146;s
Matching Contribution-Cash Account; (v)&nbsp;from stock dividends on Company Stock allocated
to the Participant&#146;s Matching Contribution-Stock Account; (vi)&nbsp;purchased by the Trustee
with cash dividends paid on Company Stock allocated to the Participant&#146;s Matching
Contribution-Stock Account, unless otherwise directed by the Participant or Committee
pursuant to Section&nbsp;5.13; and (vii)&nbsp;released from the
suspense account referred to in Section&nbsp;6.4 due to payments on a Loan with cash
dividends paid on Company Stock allocated to the Participant&#146;s Matching
Contribution-Stock Account, pursuant to Committee direction. Company Stock acquired
by the Trust with the proceeds of a Loan will be allocated to the Matching
Contribution-Stock Accounts of Participants according to the methods set forth in
subsection 5.8(a) and subsection 5.13(b), as the Company Stock is released from the
suspense account as provided for in Section&nbsp;I-1.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Fixed Profit Sharing Contribution-Stock Account</B></U>. The Fixed Profit
Sharing Contribution-Stock Account will be credited with Company Stock (including
fractional shares) (i)&nbsp;purchased by the Trustee with Fixed Profit Sharing Contributions
made in cash; (ii)&nbsp;contributed in kind by the Employers under</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Section&nbsp;4.3; (iii)&nbsp;from
forfeited Remainders of Company Stock, as determined under Section&nbsp;7.4; (iv)&nbsp;released
from the suspense account referred to in Section&nbsp;6.4 due to payments on a Loan with
Fixed Profit Sharing Contributions or the Participant&#146;s Fixed Profit Sharing
Contribution-Cash Account; (v)&nbsp;from stock dividends on Company Stock allocated to the
Participant&#146;s Fixed Profit Sharing Contribution-Stock Account; (vi)&nbsp;purchased by the
Trustee with cash dividends paid on Company Stock allocated to the Participant&#146;s Fixed
Profit Sharing Contribution-Stock Account, unless otherwise directed by the Participant
or Committee pursuant to Section&nbsp;5.13; and (vii)&nbsp;released from the suspense account
referred to in Section&nbsp;6.4 due to payments on a Loan with cash dividends paid on
Company Stock allocated to the Participant&#146;s Fixed Profit Sharing Contribution-Stock
Account, pursuant to Committee direction. Company Stock acquired by the Trust with the
proceeds of a Loan will be allocated to the Fixed Profit Sharing Contribution-Stock
Accounts of Participants according to the methods set forth in subsection 5.8(b) and
subsection 5.13(b) as the Company Stock is released from the suspense account as
provided for in Section&nbsp;I-1.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Regular Contribution-Stock Account</B></U>. The Regular Contribution-Stock
Account will be credited with Company Stock (including fractional shares) (i)&nbsp;purchased
by the Trustee with Regular Contributions made in cash; (ii)&nbsp;contributed in kind by the
Employers under Section&nbsp;4.5; (iii)&nbsp;from forfeited Remainders of Company Stock, as
determined under Section&nbsp;7.4; (iv)&nbsp;released from the suspense account referred to in
Section&nbsp;6.4 due to payments on a Loan with Regular Contributions or the Participant&#146;s
Regular Contribution-Cash Account; (v)&nbsp;from stock dividends on Company Stock allocated
to the Participant&#146;s Regular Contribution-Stock Account; (vi)&nbsp;purchased by the Trustee
with cash dividends paid on Company Stock allocated to the Participant&#146;s Regular
Contribution-Stock Account, unless otherwise directed by the Participant or Committee
pursuant to Section&nbsp;5.13; and (vii)&nbsp;released from the suspense account referred to in
Section&nbsp;6.4 due to payments on a Loan with cash dividends paid on Company Stock
allocated to the Participant&#146;s Regular Contribution-Stock Account, pursuant to
Committee direction. Company Stock acquired by the Trust with the proceeds of a Loan
will be allocated to the Regular Contribution-Stock Accounts of Participants according
to the methods set forth in subsection 5.8(d) and subsection 5.13(b), as the
Company Stock is released from the suspense account as provided for in Section&nbsp;I-1.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Qualified Non-Elective Contribution-Stock Account</B></U>. The Qualified
Non-Elective Contribution-Stock Account will be credited with Company Stock (including
fractional shares) (i)&nbsp;purchased by the Trustee with Qualified Non-Elective
Contributions; (ii)&nbsp;contributed in kind by the Employers under Section&nbsp;4.6; (iii)&nbsp;from
stock dividends on Company Stock allocated to the Participant&#146;s Qualified Non-Elective
Contribution-Stock Account; and (iv)&nbsp;purchased by the Trustee with cash dividends paid
on Company Stock allocated to the Participant&#146;s Qualified Non-Elective
Contribution-Stock Account, unless otherwise directed by the Participant or Committee
pursuant to Section&nbsp;5.13.</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Rollover Contribution-Stock Account</B></U>. The Rollover Contribution-Stock
Account will be credited with Company Stock (including fractional shares) (i)&nbsp;purchased
by the Trustee, at the Participant&#146;s direction, with Rollover Contributions; (ii)&nbsp;from
stock dividends on Company Stock allocated to the Participant&#146;s Rollover
Contribution-Stock Account; and (iii)&nbsp;purchased by the Trustee with cash dividends paid
on Company Stock allocated to the Participant&#146;s Rollover Contribution-Stock Account,
unless otherwise directed by the Participant or Committee pursuant to Section&nbsp;5.13.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(g)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>After-Tax Employee Contribution-Stock Account</B></U>. The After-Tax Employee
Contribution-Stock Account will be credited with Company Stock
(including fractional shares) (i)&nbsp;purchased by the Trustee, at the Participant&#146;s direction, with After-Tax
Employee Contributions; (ii)&nbsp;from stock dividends on Company Stock allocated to the
Participant&#146;s After-Tax Employee Contribution-Stock Account; and (iii)&nbsp;purchased by the
Trustee with cash dividends paid on Company Stock allocated to the Participant&#146;s
After-Tax Employee Contribution-Stock Account, unless the dividends are otherwise
directed by the Participant or Committee pursuant to Section&nbsp;5.13.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(h)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Money Purchase Plan-Stock Account</B></U>. The Money Purchase Plan-Stock
Account will be credited with Company Stock (including fractional shares) (i)&nbsp;purchased
by the Trustee with amounts transferred from the Money Purchase Plan; (ii)&nbsp;from
forfeited remainders of Company Stock as determined under Section&nbsp;7.4; (iii)&nbsp;from stock
dividends on Company Stock allocated to the Participant&#146;s Money Purchase Plan-Stock
Account; and (iv)&nbsp;purchased by the Trustee with cash dividends paid on Company Stock
allocated to the Participant&#146;s Money Purchase Plan-Stock Account, unless otherwise
directed by the Participant or Committee pursuant to Section&nbsp;5.13.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Prior Plan-Stock Account</B></U>. The Prior Plan-Stock Account will be
credited with Company Stock (including fractional shares) (i)&nbsp;purchased by the Trustee,
at the Participant&#146;s direction, with amounts transferred from the Prior Plan; (ii)&nbsp;from
stock dividends on Company Stock allocated to the Participant&#146;s Prior Plan-Stock
Account; and (iii)&nbsp;purchased by the Trustee with cash dividends paid on Company
Stock allocated to the Participant&#146;s Prior Plan-Stock Account, unless otherwise
directed by the Participant or Committee pursuant to Section&nbsp;5.13.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.6</B></U> <U><B>Other Investments Accounts</B></U>. Participants will direct the
investment of their Compensation Deferral Contribution-Cash, Rollover Contribution-Cash, After-Tax
Employee Contribution-Cash and Prior Plan-Cash Accounts, to the extent they are to be invested in
Company Stock. Their Matching Contribution-Cash, Fixed Profit Sharing Contribution-Cash, Regular
Contribution-Cash, Qualified Non-Elective Contribution-Cash and Money Purchase Plan-Cash Accounts
will be invested by the Trustee as directed by the Committee.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Compensation Deferral Contribution-Cash Account</B></U>. The Compensation
Deferral Contribution-Cash Account will be credited (or debited) with (i)&nbsp;the</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Participant&#146;s Compensation Deferral Contributions that have not yet been used to
purchase Company Stock; (ii)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that
have not yet been used to purchase Company Stock pursuant to Participant direction; and
(iii)&nbsp;its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Matching Contribution-Cash Account</B></U>. The Matching Contribution-Cash
Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s allocable share,
determined under subsection 5.8(a), of Matching Contributions made in cash that have
not yet been used to purchase Company Stock or to make principal and interest payments
on a Loan; (ii)&nbsp;forfeited Remainders in other than Company Stock as determined under
Section&nbsp;7.4; (iii)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that have not yet
been used to purchase Company Stock pursuant to Participant direction or to make a
payment on a Loan pursuant to Committee direction; and (iv)&nbsp;its allocable share of the
net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Fixed Profit Sharing Contribution-Cash Account</B></U>. The Fixed Profit
Sharing Contribution-Cash Account will be credited (or debited) with (i)&nbsp;the
Participant&#146;s allocable share, determined under subsection 5.8(b), of Fixed Profit
Sharing Contributions made in cash that have not yet used to purchase Company Stock or
to make principal and interest payments on a Loan; (ii)&nbsp;forfeited Remainders in other
than Company Stock as determined under Section&nbsp;7.4; (iii)&nbsp;cash dividends allocated
pursuant to Section&nbsp;5.13 that have not yet been used to purchase Company Stock pursuant
to Participant direction or to make a payment on a Loan pursuant to Committee
direction; and (iv)&nbsp;its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Regular Contribution-Cash Account</B></U>. The Regular Contribution-Cash
Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s allocable share,
determined under subsection 5.8(d), of Regular Contributions made in cash that have not
yet been used to purchase Company Stock or to make principal and interest payments on a
Loan; (ii)&nbsp;forfeited Remainders in other than Company Stock, as described
under Section&nbsp;7.4; (iii)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that have
not yet been used to purchase Company Stock pursuant to Participant direction or to
make a payment on a Loan pursuant to Committee direction; and (iv)&nbsp;its allocable
share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Qualified Non-Elective Contribution-Cash Account</B></U>. The Qualified
Non-Elective Contribution-Cash Account will be credited (or debited) with (i)&nbsp;the
Participant&#146;s allocable share, determined under subsection 5.8(e) of Qualified
Non-Elective Contributions made in cash and not yet used to purchase Company Stock;
(ii)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that have not yet been used to
purchase Company Stock pursuant to Participant direction or to make a payment on a Loan
pursuant to Committee direction; and (iii)&nbsp;its allocable share of the net income (or
loss) of the Trust.</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Rollover Contribution-Cash Account</B></U>. The Rollover Contribution-Cash
Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s Rollover Contributions
that have not yet been used to purchase Company Stock; (ii)&nbsp;cash dividends allocated
pursuant to Section&nbsp;5.13 that have not yet been used to purchase Company Stock pursuant
to Participant direction; and (iii)&nbsp;its allocable share of the net income (or loss) of
the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(g)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>After-Tax Employee Contribution-Cash Account</B></U>. The After-Tax Employee
Contribution-Cash Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s
After-Tax Employee Contributions that have not yet been used to purchase Company Stock;
(ii)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that have not yet been used to
purchase Company Stock pursuant to Participant direction; and (iii)&nbsp;its allocable share
of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(h)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Money Purchase Plan-Cash Account</B></U>. The Money Purchase Plan-Cash Account
will be credited (or debited) with (i)&nbsp;cash dividends allocated pursuant to Section
5.13 that have not yet been used to purchase Company Stock pursuant to Participant
direction; and (ii)&nbsp;its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Prior Plan-Cash Account</B></U>. The Prior Plan-Cash Account will be credited
(or debited) with (i)&nbsp;cash dividends allocated pursuant to Section&nbsp;5.13 that have not
yet been used to purchase Company Stock pursuant to Participant direction; and (ii)&nbsp;its
allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(j)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Use of Other Investments Accounts </B></U>. Each Other Investments Account
will be debited for its share of any cash payments for the acquisition of Company Stock
for the benefit of a Participant&#146;s Company Stock Account and for any payment of
principal or interest on a Loan chargeable to his Other Investments Account; provided,
however, that only the portion of such Other Investments Account which is available to
meet obligations under a Loan will be used to pay principal or interest on a Loan.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.7</B></U> <U><B>4</B><B>01(k)</B><B> Accounts</B></U>. Participants&#146; 401(k) Accounts will be invested
by the Trustee in Investment Funds as provided in Section&nbsp;6.5 as if each Investment Fund were a
separate trust fund. Participants will direct the Trustee as to the investment of their
Compensation Deferral Contribution, Rollover Contribution, After-Tax Employee Contribution and
Prior Plan Accounts. Their Matching, Fixed Profit Sharing, Discretionary Profit Sharing, Regular
and Qualified Non-Elective Contribution Accounts and their Money Purchase Plan Accounts will be
invested by the Trustee as directed by the Committee. No 401(k) Account, while it is allocated to
such account, can be invested in Company Stock or used to make payments of principal or interest on
a Loan.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Compensation Deferral Contribution Account</B></U>. The Compensation Deferral
Contribution Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s
Compensation Deferral and Catch-Up Contributions that the Participant has not</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>directed
to be invested in Company Stock or has diversified pursuant to Article&nbsp;XIII; and (ii)
its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Matching Contribution Account</B></U>. The Matching Contribution Account will
be credited (or debited) with (i)&nbsp;the Participant&#146;s allocable share of Matching
Contributions made in cash that (A)&nbsp;have not been used to purchase Company Stock or (B)
have been diversified pursuant to Article&nbsp;XIII; and (ii)&nbsp;its allocable share of the net
income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Fixed Profit Sharing Contribution Account</B></U>. The Fixed Profit Sharing
Contribution Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s allocable
share of Fixed Profit Sharing Contributions made in cash that (A)&nbsp;have not been used to
purchase Company Stock or (B)&nbsp;have been diversified pursuant to Article&nbsp;XIII; and (ii)
its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Discretionary Profit Sharing Contribution Account</B></U>. The Discretionary
Profit Sharing Contribution Account will be credited (or debited) with (i)&nbsp;the
Participant&#146;s allocable share of Discretionary Profit Sharing Contributions made in
cash that (A)&nbsp;have not been used to purchase Company Stock or (B)&nbsp;have been diversified
pursuant to Article&nbsp;XIII; and (ii)&nbsp;its allocable share of the net income (or loss) of
the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Regular Contribution Account</B></U>. The Regular Contribution Account will be
credited (or debited) with (i)&nbsp;the Participant&#146;s allocable share of Regular
Contributions made in cash that (A)&nbsp;have not been used to purchase Company Stock or (B)
have been diversified pursuant to Article&nbsp;XIII; and (ii)&nbsp;its allocable share of the net
income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Qualified Non-Elective Account</B></U>. The Qualified Non-Elective
Contribution Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s allocable
share of Qualified Non-Elective Contributions made in cash that (A)&nbsp;have not been used
to purchase Company Stock or (b)&nbsp;have been diversified pursuant to Article&nbsp;XIII; and
(ii)&nbsp;its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(g)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Rollover Contribution Account</B></U>. The Rollover Contribution Account will
be credited (or debited) with (i)&nbsp;the Participant&#146;s or Covered Employee&#146;s Rollover
Contributions that have not been directed to be invested in Company Stock; and (ii)&nbsp;its
allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(h)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>After-Tax Employee Contribution Account</B></U>. The After-Tax Employee
Contribution Account will be credited (or debited) with (i)&nbsp;the Participant&#146;s After-Tax
Employee Contributions that have not been directed to be invested in Company Stock; and
(ii)&nbsp;its allocable share of the net income (or loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Money Purchase Plan Account</B></U>. The Money Purchase Plan Account will be
credited (or debited) with (i)&nbsp;that portion of such account which has not been</TD>
</TR>


</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>directed to be invested in Company Stock; and (ii)&nbsp;its allocable share of the net income (or
loss) of the Trust.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(j)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Prior Plan Account</B></U>. The Prior Plan Account will be credited (or
debited) with (i)&nbsp;that portion of such account which has not been
directed to be
invested in Company Stock; and (ii)&nbsp;its allocable share of the net income (or loss) of
the Trust.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.8</B></U> <U><B>Allocation of Company Contributions</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Matching Contributions</B></U>. Subject to the limitations of this Article and
Section&nbsp;C-4, the Company Stock released from the suspense account referred to in
Section&nbsp;6.4 or held in the Company Contributions Account attributable to Matching
Contributions, and Matching Contributions, if any, which will not be invested in
Company Stock, will be allocated, after the allocation of the net income (or loss) of
the Trust for the Plan Year as provided in Section&nbsp;5.3 to each Eligible Participant, as
of the last day of such Plan Year (even though receipt of the Matching Contributions by
the Trustee may take place before or after the close of such Plan Year). Such
allocation will be made to the Matching Contribution-Stock Accounts, Matching
Contribution-Cash Accounts or Matching Contribution Accounts, as the case may be, of
all Eligible Participants on a pro rata basis, according to the Compensation Deferral
Contributions credited to those Participants for that Plan Year. Notwithstanding the
foregoing, the Employer may limit the Compensation Deferral Contributions to be used
with respect to the Participants for allocation purposes by specifying that limit (in
either dollar or percentage terms or both) prior to the end of the Plan Year for which
the Matching Contributions are being made.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Fixed Profit Sharing Contributions</B></U>. Subject to the limitations of this
Article, the Company Stock released from the suspense account referred to in Section
6.4 or held in the Company Contributions Account attributable to Fixed Profit Sharing
Contributions, and Fixed Profit Sharing Contributions, if any, which will not be
invested in Company Stock, will be allocated, after the allocation of the net income
(or loss) of the Trust for the Plan Year as provided in Section&nbsp;5.3, as of the last day
of such Plan Year (even though receipt of the Fixed Profit Sharing Contributions by the
Trustee may take place before or after the close of such Plan Year). Such allocation
will be made to the Fixed Profit Sharing Contribution-Stock, Fixed Profit Sharing
Contribution-Cash or Fixed Profit Sharing Contribution Accounts, as the case may be, of
all Eligible Participants. The allocation will be made to each Eligible Participant&#146;s
Account in the proportion that the Eligible Participant&#146;s Total Compensation for that
Plan Year bears to the Total Compensation of all Eligible Participants for that year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Discretionary Profit Sharing Contributions</B></U><I>. </I>Subject to the limitations
of this Article, Discretionary Profit Sharing Contributions will be allocated after the
allocation of the net income (or loss) of the Trust for the Plan Year as provided in</TD>
</TR>


</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Section&nbsp;5.3, as of the last day of such Plan Year (even though receipt of the
Discretionary Profit Sharing Contributions by the Trustee may take place before or
after the close of the Plan Year). Such allocation will be made to the Discretionary
Profit Sharing Contribution Accounts of all Eligible Participants. A Discretionary
Profit Sharing Contribution will be allocated to each Eligible Participant in the same
proportion that the Participant&#146;s Total Compensation plus his Excess Compensation for
the Plan Years bears to the Total Compensation plus the Excess Compensation for all
Eligible Participants for that year. The allocation under this subsection will not
exceed 5.7% of the Total Compensation and Excess Compensation of all such Participants.
The balance of the Discretionary Profit Sharing Contribution over the amount allocated
above, if any, will be allocated to each such Participant&#146;s Discretionary Profit
Sharing Account in the same proportion that his Total Compensation for the Plan Year
bears to the Total Compensation of all such Participants for that year. For purposes
of this subsection, &#147;Excess Compensation&#148; means a Participant&#146;s Total Compensation
which is in excess of the contribution and benefit base in effect under Section&nbsp;230 of
the Social Security Act at the beginning of the Plan Year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Regular Contributions</B></U>. Subject to the limitations of this Article, the
Company Stock released from the suspense account referred to in Section&nbsp;6.4 or held in
the Company Contributions Account attributable to Regular Contributions, and Regular
Contributions, if any, which will not be invested in Company Stock, will be allocated,
after the allocation of the net income (or loss) of the Trust for the Plan Year as
provided in Section&nbsp;5.3, as of the last day of such Plan Year (even though receipt of
the Regular Contributions by the Trustee may take place before or after the close of
such Plan Year). Such allocation will be made to the Regular Contribution-Stock
Accounts, Regular Contribution-Cash Accounts and Regular Contribution Accounts, as the
case may be, of all Eligible Participants. The
allocation will be made to each Eligible Participant&#146;s Account in the proportion
that the Eligible Participant&#146;s Total Compensation for that Plan Year bears to the
Total Compensation of all Eligible Participants for that year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Qualified Non-Elective Contributions</B></U>. Subject to the limitations of
this Article, as of the Accounting Date coincident with the last day of each Plan Year,
any Qualified Non-Elective Contributions made under Section&nbsp;4.6 for that year will be
allocated and credited to the Qualified Non-Elective Contribution-Stock Accounts,
Qualified Non-Elective Contribution-Cash Accounts or Qualified Non-Elective
Contribution Accounts, as the case may be, of all Eligible Participants who are not
Highly Compensated Employees with respect to that year, pro rata, according to those
Participants&#146; Total Compensation or the Compensation Deferral Contributions made on
their behalf for that year, as specified by the Committee in its sole discretion.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.9</B></U> <U><B>Eligible Participants</B></U>. An &#147;Eligible Participant&#148; means a
Participant who is:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->28<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Employed by an Employer (or on an Authorized Leave of Absence) on the last day
of the Plan Year; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Employed by an Employer during the Plan Year who terminated his employment
during that year due to his death or Total and Permanent Disability or after attaining
his Normal Retirement Age.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.10</B></U> <U><B>Allocation of Forfeited Remainders</B></U>. As of each December&nbsp;31
Accounting Date, the amount of a Participant&#146;s Account forfeited, if any, will, subject to any
restoration allocation required under Section&nbsp;7.4, be used to pay Plan expenses or to reduce the
Employer&#146;s Matching, Fixed Profit Sharing, Discretionary Profit Sharing or Regular Contributions to
Eligible Participants for the Plan Year in which the forfeiture occurs or as soon as practicable in
subsequent Plan Years. The Committee will continue to hold the undistributed, non-vested portion
of a terminated Participant&#146;s Account solely for his benefit until it is forfeited at the time
specified in Section&nbsp;7.4.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.11</B></U> <U><B>Total Compensation</B></U>. A Participant&#146;s &#147;Total Compensation&#148; for any
Plan Year means the total amount paid to the Participant by the Employers for that year as reported
on the Participant&#146;s federal wage and tax statement (Form W-2), excluding deferred compensation
paid to the Participant and any stock bonuses or other nonrecurring awards or prizes, but including
the amount of Compensation Deferrals and Catch-Up Contributions made on his behalf that would have
been reported as taxable income on Form W-2 for that year but for his Compensation Deferral or
Catch-Up Contribution election and the amount that was not reported as taxable income on Form W-2
as a result of an election made by the Participant under a Code Section&nbsp;125 plan or by reason of
Code Section&nbsp;132(f).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In the case of a Participant who enters or leaves the Plan on a date other than the first or
last day of the Plan Year, such Participant&#146;s Total Compensation will include only that Total
Compensation paid to the Participant on and after becoming and while he is a Participant. In
addition, a Participant&#146;s Compensation and Total Compensation do not include any amount in excess
of the Compensation Cap in effect for that year. The term &#147;Compensation Cap&#148; means the sum of (i)
$220,000, and (ii)&nbsp;any adjustments permitted under Code Section&nbsp;401(a)(17)(B).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.12</B></U> <U><B>Maximum Additions</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding anything contained in the Plan to the contrary, except to the
extent permitted under Section&nbsp;3.1(b) and Code Section&nbsp;414(v), if applicable, the
Annual Addition made to a Participant&#146;s Account for any Plan Year will not exceed the
lesser of $44,000 (as adjusted pursuant to Code Section&nbsp;415(d)(1)(C)) or 100&nbsp;percent of
the Participant&#146;s Total Compensation.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Annual Addition&#148; means the sum of the Compensation Deferral
Contributions, Matching Contributions, Fixed Profit Sharing Contributions,
Discretionary Profit Sharing Contributions, Regular Contributions, Qualified
Non-Elective Contributions and forfeited Remainders that are to be credited to a
Participant&#146;s Account for a Plan Year. To the extent a contribution or a Remainder</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->29<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>is
in the form of Company Stock, the amount of the Annual Addition will be calculated
based on the fair market value of Company Stock, as determined under Section&nbsp;6.2, as of
the Accounting Date which coincides with the date as of which the Annual Addition is
allocated. All defined contribution plans maintained by an Affiliate will be
aggregated with this Plan for purposes of determining the limitation on Annual
Additions. For purposes of the preceding sentence, the term Annual Addition will
include any Employer contributions, employee contributions, forfeitures and allocations
made on behalf of a Participant to an individual medical account, as defined in Code
Section&nbsp;415(l)(2), or to a separate post-retirement medical benefit account (if the
Participant is a Key Employee under Code Section&nbsp;419A(d)(3)) under a welfare benefit
fund, as defined in Code Section&nbsp;419(e).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In any Plan Year in which there is a Loan in effect and the Employer makes
contributions to the Plan for the purposes of making payments of principal and interest
on the Loan which are due that year, the amount of Annual Additions of each Participant
who is entitled to receive an allocation of Annual Additions will be calculated on the
basis of whichever of the following methods results in a lesser Annual Addition to the
Participant: (i)&nbsp;on the actual amount of contributions credited to the Participant&#146;s
Account for the year; or (ii)&nbsp;on the amount of contributions credited to the
Participant&#146;s Other Investments Account and 401(k) Account with respect to amounts
invested in assets other than Company Stock and on the basis of the fair market value
of Company Stock released from the suspense account and credited to the Participant&#146;s
Company Stock Account for the
Plan Year, valued, as determined under Section&nbsp;6.2, as of the Accounting Date which
coincides with the date as of which the Annual Addition is allocated. Provided,
however, shares of Company Stock which are not acquired by the Plan with the
proceeds of a Loan will be calculated solely on the basis of the fair market value
of such shares.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding the other provisions of this Section, if no more than one-third
of the Company Contributions for a Plan Year which are deductible as principal or
interest payments on a Loan pursuant to the provisions of Code Section&nbsp;404(a)(9), are
allocated to Highly Compensated Employees, then the limitations imposed by this Section
will not apply to:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Remainders of Company Stock forfeited and allocated under the
Plan if the Company Stock was acquired with the proceeds of a Loan; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Company Contributions which are deductible as interest payments
on a Loan under Code Section&nbsp;404(a)(9)(B) and charged against a Participant&#146;s
account.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If an Annual Addition exceeds the applicable limitation of this Section due to
a reasonable error in estimating a Participant&#146;s Total Compensation, due to an
allocation of forfeited Remainders, or due to a reasonable error in determining the</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->30<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>amount of Compensation Deferrals that may be made under the limits of Code Section&nbsp;415,
the excess amounts in the Participant&#146;s Account will be reduced, to the extent
necessary (i)&nbsp;first by distributing the Participant&#146;s Compensation Deferrals made with
respect to such Plan Year, (ii)&nbsp;second, by reducing the other subaccounts under his
401(k) Account, other than his Catch-Up Contribution Account, (iii)&nbsp;third, by reducing
his Other Investments Account and (iv)&nbsp;fourth, by reducing the Participant&#146;s Company
Stock Account. Any excess amount that is not distributed will be held unallocated in a
limitation account until it is used to reduce future contributions of the Participant&#146;s
Employer in the next Plan Year and each succeeding Plan Year, if necessary. Any amount
distributed will be disregarded for purposes of the limits and tests set forth in
Supplement C. The Committee may also direct the distribution of any investment
earnings on the returned contributions to avoid a violation of the limits of this
Section. If a limitation account is in existence at any time during the Plan Year
pursuant to this Section, it will not participate in the allocation of the Trust&#146;s
income or investment gains and losses. Upon termination of the Plan, any amount held
in the limitation account at the time of termination will revert to the Employers.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.13</B></U> <U><B>Cash Dividends on Company Stock</B></U>. Cash dividends received by the
Trustee on Company Stock held by the Plan may be utilized in one or a combination of the following
three ways:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Elective Participant Dividend Payments</B></U>. Effective for cash dividends
with a record date on or after October&nbsp;1, 2006, to the extent such dividends are not
used to make payments on a Loan, such dividends will be reinvested in whole and
fractional shares of Company Stock. However, each Participant, Inactive Participant or
Beneficiary who has Company Stock allocated to his Company Stock Account as of the
record date of the dividend, may elect, as provided in paragraph (i), to have such
dividends paid to him in cash provided, however, that any current payment in cash must
be paid directly to the Participant or paid to the Plan and distributed in cash by the
Plan to the Participant not later than 90&nbsp;days after the close of the Plan Year in
which the dividend is paid. All dividends subject to election in this subsection will
be 100&nbsp;percent vested. Provided, further, that if the Participant&#146;s account is
distributed after the record date but before the payment date of the dividend, the
Participant will be deemed to have elected to have the dividend paid to him.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Dividend Reinvestment Elections</U>. To be effective, an
election under this subsection must be filed with the Committee in such manner
as the Committee determines and communicates to Participants, Inactive
Participants and Beneficiaries. Once made, an election will remain in effect
until a new election is filed in the manner specified in paragraph (ii).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Change of Election</U>. An election made under paragraph
(i)&nbsp;may be changed at any time during the month of January of each Plan Year.
The new election will be effective for any cash dividend with a record date
that</TD>
</TR>


</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&nbsp;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>occurs after the new election is made and will remain in effect until a
new election is filed as provided in the first sentence of this paragraph.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Default Election</U>. If a Participant, Inactive
Participant or Beneficiary fails to timely make an election under this
subsection, he will be treated as having elected to have all dividends paid to
the Plan and reinvested in Company Stock. Such &#147;default election&#148; will remain
in effect until a new election is filed during a January election period.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Trustee Acquisition of Company Stock for Purposes of
Reinvestment</U>. In the discretion of the Committee, the shares of Company
Stock to be credited to a Company Stock Account in accordance with the dividend
reinvestment election under paragraph (i)&nbsp;may be:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Purchased on the open market; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Acquired from Company Stock held in the Company
Stock Accounts which are being liquidated for the purpose of making
distributions to Inactive Participants and/or diversification elections
under Article&nbsp;XIII.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Shares of Company Stock may be purchased on the open market or from Company
Stock Accounts at their current fair market value, as determined by the
Committee under Section&nbsp;6.2. Shares acquired in the open market will be
purchased by the Trustee. If an insufficient number of shares is available
for purchase in the open market, the Trustee will hold the remaining dividends
in cash until sufficient shares are available. The purchase price of
the shares will be the average price of all shares purchased. The purchase price
will include any applicable brokerage fees or commissions, except to the
extent prohibited by ERISA Section 408(e) and as provided in the first
sentence of Section&nbsp;6.3.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(v)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Allocation of Company Stock Attributable to Cash
Dividends</U>.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>All shares of Company Stock acquired under
subsection (ii)&nbsp;will be credited to the applicable Company Stock
Accounts of each Participant who has elected (including any &#147;default
election&#148; described in paragraph (iii)) to have cash dividends
reinvested as provided in subsection (a)&nbsp;based on the shares of Company
Stock allocated to his Company Stock Accounts on which the dividends
were paid.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>After the Committee determines the fair market
value, as specified in Section&nbsp;6.2, the number of shares of Company
Stock to be credited to each electing Participant&#146;s Company Stock
Account will be the number of whole and fractional shares that
represent 100&nbsp;percent of the cash dividend attributable to the Company
Stock</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>in the Participant&#146;s Account. Such shares will be credited to
the applicable Company Stock
Accounts as soon as practicable following
the relevant purchase period.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(vi)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Distribution to Participants</U>. If the Participant so
elects, as provided in subsection (a), cash dividends attributable to
the shares allocated to his Company Stock Accounts will be distributed on a current
basis; provided, however, that any current payment to be paid to a Participant
in cash must be paid directly to the Participant or paid to the Plan and
distributed in cash by the Plan to the Participant not later than 90&nbsp;days after
the close of the Plan Year in which the dividend is paid. Any payment of cash
dividends to a Participant that is made under this paragraph will be accounted
for as if the Participant receiving such dividend was the direct
owner of such shares and such payment will not be treated as a distribution from the Plan.
Provided, however, that a Participant will receive a cash dividend only with
respect to shares of Company Stock allocated to his Company Stock Account as of
the record date for such dividend. A dividend paid with respect to Company
Stock that has not been allocated to a Participant&#146;s Company Stock Account will
be treated as earnings on Plan assets and allocated to the Other Investments
Accounts of all Participants who are entitled to an allocation of Trust
income in accordance with Section&nbsp;5.3.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(vii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Shareholder Communications</U>. The Committee will
provide each Participant, Inactive Participant and Beneficiary who is eligible
to make an election under subsection (a)&nbsp;with (or direct access to through
electronic means):</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Copies of all shareholder communications
including quarterly reports, annual reports and notices of shareholder
meetings; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="9%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Such other information as the Committee
determines to be necessary or appropriate.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(viii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Dividends on Suspense Account Shares</U>. To the extent cash dividends
are paid with respect to shares of Company Stock that are held in the suspense
account referred to in Section&nbsp;6.4 on the record date of a dividend, if the
cash dividend is not used to make a Loan payment, as described in subsection
(b), such dividend will be allocated to Participants&#146; Other Investments
Accounts in the proportion that each Participant&#146;s Company Stock Account
balance, determined as of the most recent Accounting Date (reduced by the
amount of any distributions, purchases of Company Stock, or payment of expenses
therefrom) bears to the sum of the Company Stock Account balances of all
Participants as of that date.</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Loan Payments</B></U>. To the extent cash dividends are attributable to shares
of Company Stock held in the suspense account referred to in Section&nbsp;6.4 on the record
date of the dividends, all or any part of such dividends may, in the sole discretion of
the Committee, be utilized to pay principal or interest on the Loan which was incurred
by the Trustee to purchase the shares of Company Stock on which the dividends were
paid. Any shares of Company Stock released from the suspense account which are
attributable to such dividends will be allocated to the Company Stock Accounts of
Eligible Participants in the same manner as the Employers&#146; Regular Contributions, as
provided in subsection 5.8(d). Such allocations will be made as of the Accounting Date
which coincides with or immediately follows the payment date of such dividends. The
preceding provisions of this subsection will not apply to cash dividends on Company
Stock held in the suspense account referred to in Section&nbsp;6.4 on the payment date, but
not the record date, for such dividends.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Eligibility to Receive Dividends</B></U>. In determining whether Company Stock
is allocated to a Participant&#146;s Company Stock Account on the record date of a dividend,
in the case of shares which are liquidated to fund a distribution or a diversification
election, the shares will not be deemed to be allocated (i)&nbsp;in the case of a purchase
or sale of Company Stock on the open market, if the settlement date of the transaction
precedes the record date; and (ii)&nbsp;in the case of a purchase
from or sale to the Company, if the date of the purchase or sale precedes the record
date.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;5.14</B></U> <U><B>Annual Statements to Participants</B></U>. After the end of each Plan
Year and as of such other dates as the Committee determines in its discretion, the Committee will
furnish each Participant with a statement which reflects the status of his Account as of that date.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->34<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;VI</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Investment of Trust Assets</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;6.1</B></U> <U><B>Investments</B></U>. The Trust will be invested by the Trustee as
provided in the Trust Agreement. The Trust, other than assets allocated to the 401(k) Component,
will be invested primarily in Company Stock. The Trust may be used to acquire shares of Company
Stock from the Company or in the open market. Except to the extent otherwise provided in the Trust
Agreement and in Section&nbsp;6.5, all investments will be made by the Trustee at the direction of the
Committee; provided, however, that the Committee will have the authority to delegate all or any
part of its investment discretion to the Trustee or to an investment manager, in the Trust
Agreement, in the case of the Trustee, or a written instrument in the case of an investment manager
which, to be effective and binding upon the investment manager, must be accepted in writing by the
investment manager. The Committee may determine that the entire Trust, other than the 401(k)
Component, be invested and held in Company Stock. Notwithstanding the foregoing, in no event will
the Trust hold shares of Company Stock if and to the extent such investment would violate any
provision of ERISA or the Code or is otherwise determined to be imprudent by the Committee or
Trustee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;6.2</B></U> <U><B>Purchase of Company Stock</B></U>. All purchases of Company Stock by the
Trust will be made at a price, or at prices, which, in the judgment of the Committee and the
Trustee, do not exceed the fair market value of such Company Stock. The determination of fair
market value of Company Stock for all purposes under the Plan will be made by the Trustee based on
the prevailing price of Company Stock on the national securities exchange on which Company Stock is
traded and which is registered under Section&nbsp;6 of the Securities Exchange Act of 1934, on the
appropriate Accounting Date. The Trustee will make purchases of Company Stock as described in
Sections&nbsp;3.6 and 3.7 of the Trust Agreement. If Company Stock is purchased from Company Stock
Accounts with amounts from Other Investments Accounts, the per share purchase price will be equal
to the closing price of Company Stock on the exchange referred to in the preceding sentence on the
trading day which immediately precedes the date the shares are purchased.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If Company Stock is not readily tradable on an established securities market, with respect to
activities carried on by the Plan, all valuations of Company Stock will be made by an independent
appraiser meeting requirements similar to those contained in the Treasury Regulations promulgated
under Code Section&nbsp;170(a)(1). All such appraisals will satisfy the requirements of the Department
of Labor Regulations promulgated under ERISA Section&nbsp;3(18). The Trustee will have the exclusive
responsibility for selecting the independent appraiser.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;6.3</B></U> <U><B>Sale of Company Stock</B></U>. The Committee may direct the Trustee to
sell or resell shares of Company Stock to any person, including the Company, provided that any such
sales to any disqualified person, as
defined in Code Section&nbsp;4975(e)(2), or any party in interest, as defined in ERISA Section
3(14), including the Company, will be made at no less than the fair market value thereof on the
date of such purchase or sale, as determined under Section&nbsp;6.2, and no commission is charged with
respect to such transaction. Any such transaction will be made in conformance with ERISA Section
408(e) and the Department of Labor Regulations promulgated
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->35<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">thereunder. Such sales to the Company
may be made by the Trustee to satisfy the Plan&#146;s need for liquidity under Section&nbsp;7.6 regarding
payment of a Participant&#146;s benefit and Section&nbsp;13.2, regarding the diversification of a Qualified
Participant&#146;s Company Stock Account. All sales of Company Stock (except Company Stock held in the
suspense account referred to in Section&nbsp;6.4 or the Company Contributions Account) by the Trustee
will be charged pro rata to the corresponding Participants&#146; Company Stock Accounts. The Trustee
will make sales of Company Stock as described in Sections&nbsp;3.6 and 3.7 of the Trust Agreement.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;6.4</B></U> <U><B>Suspense Account</B></U>. Company Stock purchased with the proceeds of a
Loan will be held in a suspense account pending release and reallocation to Company Stock Accounts
as the Loan is paid. Company Stock purchased with amounts allocated to Participants&#146; Other
Investments Accounts will immediately upon purchase be credited pro rata to the corresponding
Participants&#146; Company Stock Accounts.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;6.5</B></U> <U><B>Investment Funds</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>401(k) Accounts</U>. The Trust will include one or more &#147;Investment Funds&#148;
established by the Trustee at the direction of the Committee. Each Participant will
direct the Trustee as to the manner in which his Compensation Deferral, Catch-Up,
Rollover and After-Tax Employee Contribution Accounts are to be invested among the
Investment Funds. All other Participant Accounts will be invested by the Trustee as
directed by the Committee. The Committee will adopt rules concerning the investment of
amounts for which it receives no election and inform Participants of those rules from
time to time.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Transfer of Funds</U>. A Participant may also direct the Trustee to have
the Participant-directed amounts in his 401(k) Account that are invested in an
Investment Fund transferred to (i)&nbsp;another Investment Fund or Funds in his 401(k)
Account; (ii)&nbsp;to his ESOP Account; or (iii)&nbsp;in the case of the Participant-directed
amounts in his ESOP Account, from his ESOP Account to his 401(k) Account.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U>Investment Window</U>. A Participant&#146;s direction to change the investment
of future contributions, or to transfer amounts from one Investment Fund to another,
from his 401(k) Account to his ESOP Account or from his ESOP Account to his 401(k)
Account may be made once during each Investment Window. Investment directions will be
processed as soon as practicable following receipt of such direction. For all purposes
of the Plan and Trust, an Investment Window will be
the period which begins on the third business day following issuance of the
Company&#146;s quarterly or year-end earnings release and ends on the last day on which
the stock market is open of the February, May, August or November immediately
following the issuance of such release. The Committee will establish such rules and
procedures as it determines necessary to administer the provisions of this Section.</TD>
</TR>


</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->36<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;VII</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Distribution of Benefits</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.1</B></U> <U><B>Retirement or Disability</B></U>. If a Participant&#146;s employment with all
of the Affiliates terminates on or after the date the Participant has attained age 65 (his &#147;Normal
Retirement Age&#148;) or age 55 (his &#147;Early Retirement Age&#148;), or if his employment terminates because of
his Total and Permanent Disability, the Participant will be entitled to receive the entire amount
credited to his Account, distributable in accordance with this Article.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of the Plan, a Participant will be deemed to have incurred a &#147;Total and Permanent
Disability&#148; if the Participant has a disability as determined (a)&nbsp;for purposes of the Federal
Social Security Act which qualifies the Participant for permanent disability insurance payments in
accordance with that act, or (b)&nbsp;under the Employer&#146;s long-term disability plan. A minimal level
of earnings in restricted activity during any period of disability will not disqualify a
Participant from receiving disability benefits for such period if the disabled Participant receives
disability benefits under the Social Security Act for the same period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.2</B></U> <U><B>Death</B></U>. If a Participant&#146;s employment with all of the Affiliates
terminates because of his death, the entire amount in his Account, as determined as of the
Accounting Date coincident with or immediately preceding the date of distribution, will be paid to
his Beneficiary in accordance with this Article after receipt by the Committee of acceptable proof
of death.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.3</B></U> <U><B>Resignation or Dismissal</B></U>. If a Participant&#146;s employment with all
of the Affiliates terminates prior to his Early or Normal Retirement Age and for any reason other
than his death or Total and Permanent Disability, he will be entitled to receive the entire amount
allocated to the following accounts:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Cash dividend subaccounts as described in Section&nbsp;5.1;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Compensation Deferral Contribution, Compensation Deferral
Contribution-Cash and Compensation Deferral Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Qualified Non-Elective Contribution, Qualified Non-Elective
Contribution-Cash and Qualified Non-Elective Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Rollover Contribution, Rollover Contribution-Cash and Rollover
Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>After-Tax Employee Contribution, After-Tax Employee
Contribution-Cash, and After-Tax Employee Contribution-Stock; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Prior Plan, Prior Plan-Cash and Prior Plan-Stock.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;He will receive the &#147;Vested Percentage&#148; of the following accounts:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->37<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Matching Contribution, Matching Contribution-Cash and Matching
Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Fixed Profit Sharing Contribution, Fixed Profit Sharing
Contribution-Cash and Fixed Profit Sharing Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Discretionary Profit Sharing Contribution;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Regular Contribution, Regular Contribution-Cash and Regular
Contribution-Stock; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Money Purchase Plan, Money Purchase Plan-Cash and Money
Purchase Plan-Stock.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Vested Percentage of the following accounts will be determined in accordance with the
following schedule based on his Years of Service at his termination date:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Matching Contribution, Matching Contribution-Cash and Matching
Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Fixed Profit Sharing Contribution, Fixed Profit Sharing
Contribution-Cash and Fixed Profit-Sharing Contribution-Stock;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Discretionary Profit Sharing Contribution;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Regular Contribution, Regular Contribution-Cash and Regular
Contribution-Stock; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left"><B>&#149;</B></TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Money Purchase Plan, Money Purchase Plan-Cash and Money
Purchase Plan-Stock.</TD>
</TR>

</TABLE>
</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="76%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3">Vested</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3">Forfeited</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Years of Service</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000">Percentage</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="center" colspan="3" style="border-bottom: 1px solid #000000">Percentage</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">Less than 1&nbsp;year</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">0</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">100</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">1</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">10</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">90</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">2</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">20</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">80</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">3</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">40</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">60</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom" style="background: #cceeff">
    <TD><DIV style="margin-left:15px; text-indent:-15px">4</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">60</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">40</TD>
    <TD nowrap>%</TD>
</TR>
<TR valign="bottom">
    <TD><DIV style="margin-left:15px; text-indent:-15px">5 or more years</DIV></TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">100</TD>
    <TD nowrap>%</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="right">&nbsp;</TD>
    <TD align="right">0</TD>
    <TD nowrap>%</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;It is noted that if a Participant&#146;s employment with all of the Affiliates terminated prior to
December&nbsp;31, 2002, his vested percentage was determined under the vesting schedule in effect at his
date of termination.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The term &#147;Years of Service&#148; means the sum of the Plan Years in which the Participant has been
credited with at least 1,000 Hours of Service (as determined under Section&nbsp;2.5).
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->38<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Notwithstanding
the foregoing, if the Participant is credited with at least 1,000 Hours of Service in the 12
consecutive month period beginning on the date the participant first performs an Hour of Service,
and is not credited with 1,000 Hours of Service in the Plan Year in which the Participant first
performs an Hour of Service or in the following Plan Year, he will be credited with a Year of
Service for vesting purposes. If a Participant who terminates employment with all of the
Affiliates is later reemployed by an Affiliate (a &#147;Reemployed Participant&#148;), no Years of Service
accrued by the Reemployed Participant after he has incurred five consecutive One-Year Breaks in
Service will be taken into account to determine the Vested Percentage of his Account as of a prior
termination date.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.4</B></U> <U><B>Remainders and Reinstatement of Forfeited Remainders</B></U>. The portion
of a Participant&#146;s Account that is not distributable to the Participant or his Beneficiary under
Section&nbsp;7.3 will be treated as a &#147;Remainder&#148; and forfeited in accordance with the following
provisions. A Remainder will be forfeited by the Participant as of the earlier of (i)&nbsp;the
Accounting Date following the distribution of his vested Account or (ii)&nbsp;the December&nbsp;31 Accounting
Date of the Plan Year in which the Participant incurs five consecutive One-Year Breaks in Service.
Forfeited amounts will come first from the Participant&#146;s 401(k) Account, then his Other Investments
Account and then, to the extent necessary, from the Participant&#146;s Company Stock Account. Forfeited
amounts will be used in the manner specified in Section&nbsp;5.10.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If the Participant is reemployed after his Remainder has been forfeited and reallocated to
other Participants but before he has incurred five consecutive One-Year Breaks in Service, he may
repay to the Trustee (within five years of the Participant&#146;s reemployment date) the total amount
that had been distributed to him as a result of his earlier termination of employment. If the
Participant makes such a repayment, both the amount of the repayment and the forfeited Remainder
will be credited to his Account as of the Accounting Date that occurs on the last day of the Plan
Year that coincides with or next follows the date of repayment (after all other adjustments
required under the Plan as of that date have been made). The Participant&#146;s Account will be
restored to the same dollar amount as the dollar amount of such Account on the last day
of the Plan Year, or other applicable Accounting Date, which immediately precedes the date of
the distribution. To complete such restoration, the Committee will allocate to the Participant&#146;s
Company Stock Account shares of Company Stock attributable to the repayment and forfeited Remainder
based on the fair market value of Company Stock determined as of the date specified for restoration
in the preceding sentence.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Forfeited Remainders that are to be credited to the Participant&#146;s Account under the preceding
paragraph will be drawn from (and thus reduce): first, forfeited Remainders to be allocated as of
that date under this Section; second, any income and gains of the Trust to be credited as of that
date under Section&nbsp;5.3; and finally, a special Company Contribution, as determined by the
Committee, which will be made as of that date to the extent needed to reinstate forfeited
Remainders under this Section.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Until the Committee reinstates the Participant&#146;s Account, as provided in this Section, the
Trustee will invest the amount the Participant has repaid in a segregated account maintained solely
for that Participant, as directed by the Committee. Until commingled with the balance of the
assets held under the Trust on the date the Committee reinstates the Participant&#146;s Account, the
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->39<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">Participant&#146;s segregated account remains a part of the assets held under the Trust, but it alone
shares in any income it earns and it alone bears any expense or loss it incurs.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.5</B></U> <U><B>Payment of Benefits</B></U>. The balance of a Participant&#146;s Account that
is distributable under Section&nbsp;7.1, Section&nbsp;7.2 or Section&nbsp;7.3 will be paid in the manner provided
in Section&nbsp;7.6. Pursuant to Section&nbsp;5.2, the balance of a Participant&#146;s Account will be determined
as of the applicable Accounting Date which coincides with or immediately precedes the Participant&#146;s
distribution date. Except as otherwise provided in subsection 7.5(c), payment will be made as
provided in this Section, but in no event later than 60&nbsp;days after the latest of (i)&nbsp;the end of the
Plan Year in which his termination occurs, (ii)&nbsp;the end of the Plan Year in which the Participant
attains Normal Retirement Age or (iii)&nbsp;the date on which the amount of the payment can be
ascertained by the Committee. If the Participant is reemployed by an Employer before payment is
made or begun under this Section, no payment will be made until the Participant terminates
employment again and is eligible for a distribution under Section&nbsp;7.1, Section&nbsp;7.2 or Section&nbsp;7.3.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Participant&#146;s Vested Account Does Not Exceed $5,000</B></U>. If the
Participant&#146;s vested Account does not exceed $5,000, his Account will be distributed as
soon as administratively practicable following the Participant&#146;s termination of
employment. If the Participant&#146;s vested Account exceeds $1,000 and he does not elect
to have the distribution paid to an Eligible Retirement Plan specified by the
Participant in a direct rollover or to receive the distribution directly, then the
Committee will pay the distribution, in a direct rollover, to an individual retirement
plan designated by the Committee. If the benefit is payable to the Participant&#146;s
Surviving Spouse or Beneficiary or to an Alternate Payee, the benefit will be paid
directly to the Surviving Spouse, Beneficiary or Alternate Payee.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Participant&#146;s Vested Account Exceeds $5,000</B></U>. Subject to subsection
7.5(c), if the Participant&#146;s vested Account exceeds $5,000 on the date payment is to
commence, and if the Participant has not attained age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, and he consents to a current
distribution, his Account will be distributed as soon as administratively practicable
following the Participant&#146;s termination of employment.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Deferral of Distributions</B></U>. Notwithstanding the preceding provisions of
this Section, if the Participant&#146;s vested Account exceeds $5,000 on the date payment is
to be made and he has not attained age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT> or died, he may elect to defer payment of
his Account until age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT> by withholding consent to a current distribution. After the
Participant attains age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, his vested Account will be distributed as soon as
administratively practicable following the close of the Plan Year in which he attained
age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, but no later than April 1 of that year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Rollovers Disregarded in Involuntary Cash-Outs</B></U><B>. </B>For purposes of
determining whether the Participant&#146;s vested Account exceeds $5,000 on the date payment
is to be made, the value of his Account will be determined without regard to the
portion, if any, attributable to his Rollover Contribution Account. If the</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->40<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Participant&#146;s vested Account as so determined is $5,000 or less, the provisions of
subsection 8.5(a) will apply.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Required Beginning Date</B></U>. Distribution of a single sum payment with
respect to a Participant who has terminated employment may not be deferred beyond April
1 of the calendar year that follows the calendar year in which he attains age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>.
Participants who are &#147;five-percent owners&#148; of an Affiliate (as defined in Code Section
416) at any time during the Plan Year ending with or within the calendar year in which
they attain age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, must receive or begin to receive payment of their Accounts by that
April 1 date, regardless of his employment status.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Participant Consent Requirements</B></U>. A Participant&#146;s consent under this
Section to receive a distribution must be made at least 30&nbsp;days after (but no more than
90&nbsp;days after) he receives distribution information provided by the Committee. The
30-day election period may be waived by the Participant (so that benefit payment may be
made or commenced immediately following receipt of the information) if the Committee
has clearly informed the Participant that he has at least 30&nbsp;days to consider the
timing of his benefit payment.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.6</B></U> <U><B>Forms of Payment</B></U>. Subject to the provisions of Section&nbsp;7.7,
payment of a Participant&#146;s Account that is distributable under Section&nbsp;7.5 will be made to or for
the benefit of the Participant, or in the event of his death, to or for the benefit of his
Beneficiary, in a single sum. Notwithstanding the foregoing, a benefit may be paid in
installments, as described in the Plan prior to October&nbsp;1, 2006, until the date this restatement is
adopted by the Board. In addition, benefits paid from the Money Purchase Plan-Stock, Money
Purchase Plan-Cash and Money Purchase Plan Accounts are
subject to the qualified joint and survivor and qualified pre-retirement survivor annuity
requirements as described in Supplement G.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.7</B></U> <U><B>Designation of Beneficiary</B></U>. Each Participant from time to time
may designate any person or persons (who may be designated contingently or successively and who may
be an entity other than a natural person) as his &#147;Beneficiary&#148; to whom his Plan benefits will be
paid if he dies before he receives all his benefits, in accordance with the following:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Account of a Participant who is married at the time of his death and dies
before any benefit payments have been made or who is married on the date benefit
payments commence and dies before the complete distribution of his benefits (a &#147;Married
Participant&#148;), will be distributed to the Married Participant&#146;s Surviving Spouse unless
the Married Participant has designated another person or persons as his Beneficiary and
the Surviving Spouse has consented to the designation as provided in subsection 7.7(b).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Surviving Spouse&#146;s consent under this Section will be effective only if:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Married Participant designates another Beneficiary and that
designation cannot be changed without the Surviving Spouse&#146;s consent</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->41<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>(unless
the original consent expressly permits a change to be made without the
Surviving Spouse&#146;s subsequent consent);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Surviving Spouse consents to the designation in a writing
witnessed by a Notary Public or Committee member; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The consent acknowledges the effect of the Married
Participant&#146;s designation.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A married Participant&#146;s &#147;Surviving Spouse&#148; is the person to whom the Married
Participant was married on the day of his death.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Each Beneficiary designation filed with the Committee will cancel all
previously filed Beneficiary designations. The revocation of a Beneficiary
designation, no matter how effected, will not require the consent of any designated
Beneficiary, except where spousal consent is required.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Subject to subsection 7.7(b), if any Participant fails to designate a
Beneficiary in the manner provided above, or if the designated Beneficiary does not
survive the Participant, the Committee will direct the Trustee to distribute the
Participant&#146;s benefits to the Participant&#146;s estate. If the Beneficiary survives the
Participant, but dies before the complete distribution of the Participant&#146;s benefits,
the Committee will direct the Trustee to distribute the balance of such Participant&#146;s
benefits to the Beneficiary&#146;s estate.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.8</B></U> <U><B>Property Distributed</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Subject to the other provisions of this Section, distribution of a
Participant&#146;s vested ESOP Account will be made in whole shares of Company Stock or in
cash in the following manner: at least 30 but not more than 90&nbsp;days before the date
specified by the Committee for distribution, the Participant entitled to such
distribution will be notified in writing by the Committee of his right to demand that
all of his vested ESOP Account be distributed in whole shares of Company Stock, except
for cash in lieu of fractional shares. At any time within the period specified in the
preceding sentence, the Participant may notify the Committee in writing of his demand
that all of the distribution be made in whole shares of Company Stock. If the
Participant exercises such right of demand, the balance of his Other Investments
Account, to the extent necessary to comply with such demand, will be used to acquire
whole shares of Company Stock for distribution at the fair market value (as determined
in the manner set forth in Section&nbsp;6.2, as of the date specified in Treasury Regulation
Section&nbsp;54.4975-11(d)(5)) with the value of fractional shares distributed in cash.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Subject to the other provisions of this Section, in the absence of a proper or
timely exercise by the Participant of his rights as set forth in subsection 7.8(a),
distribution of a Participant&#146;s vested ESOP Account will be made in (i)&nbsp;whole shares of
Company Stock, with fractional shares distributed in cash, if the</TD>
</TR>


</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->42<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Participant&#146;s vested
ESOP Account consists of 100 or more shares of Company Stock; or (ii)&nbsp;cash, if the
Participant&#146;s vested ESOP Account consists of less than 100 shares of Company Stock.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.9</B></U> <U><B>Direct Rollovers</B></U>. Notwithstanding any provision of the Plan to
the contrary, a Distributee may elect, at the times and in the manner prescribed by the Committee,
to have any portion of an Eligible Rollover Distribution paid to an Eligible Retirement Plan
specified by the Distributee in a Direct Rollover. In addition, effective January&nbsp;1, 2007, the
non-spouse Beneficiary of a deceased Participant may elect, at the times and in the manner
prescribed by the Committee, to have the Participant&#146;s Account paid to an Individual Retirement
Account described in Code Section 408(a) or an Individual Retirement Annuity described in Code
Section 408(b) set up for the purpose of receiving such distribution in a Direct Rollover. If a
Participant is employed by an entity after he terminates employment with the Employers and that
entity maintains an Eligible Retirement Plan, the Committee, upon the Participant&#146;s request, may
direct the Trustee to transfer the Participant&#146;s vested Account balance to such other plan;
provided that the other plan permits such a transfer. Upon completion of a transfer under this
Section, all rights of the Participant to any benefit under the Plan will cease.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Eligible Rollover Distribution&#148; means any distribution of all or any
portion of the balance to the credit of the Distributee, except that an Eligible
Rollover Distribution does not include the following:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any distribution that is one of a series of substantially equal
periodic payments (not less frequently than annually) made for the life (or
life expectancy) of the Distributee or the joint lives (or joint life
expectancies) of the Distributee and the Distributee&#146;s designated Beneficiary,
or for a specified period of ten years or more;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any distribution to the extent such distribution is required
under Code Section&nbsp;401(a)(9);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The portion of any distribution that is not includible in
gross income (determined without regard to the exclusion for net unrealized
appreciation with respect to Company Stock); and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any distribution to the extent paid from the Participant&#146;s
Account as a &#147;hardship withdrawal&#148; under Section&nbsp;7.10 of the Plan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Eligible Retirement Plan&#148; means any of the following that accepts the
Distributee&#146;s Eligible Rollover Distribution:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An individual retirement account described in Code Section
408(a);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An individual retirement annuity described in Code Section&nbsp;408(b);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An annuity plan described in Code Section&nbsp;403(a);</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A qualified trust described in Code Section&nbsp;401(a);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(v)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An annuity contract described in Code Section&nbsp;403(b); and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(vi)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An eligible plan under Code Section 457(b) which is maintained
by a state, political subdivision of a state or any agency or instrumentality
of a state or political subdivision of a state and which accepts the
Distributee&#146;s Eligible Rollover Distribution and agrees to separately account
for amounts transferred into such plan from this Plan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Distributee&#148; means an employee or former employee. In addition, the
employee&#146;s or former employee&#146;s Surviving Spouse and the employee&#146;s or former
employee&#146;s spouse or former spouse who is the alternate payee under a qualified
domestic relations order, as defined in Code Section&nbsp;414(p), are Distributees with
regard to the interest of the spouse or former spouse.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Direct Rollover&#148; means a payment by the Plan to the Eligible
Retirement Plan specified by the Distributee.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.10</B></U> <U><B>In-Service Withdrawals</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant may withdraw part or all of the contributions credited to his
Compensation Deferral Contribution Account under Section&nbsp;5.3 plus any earnings credited
to that Account prior to January&nbsp;1, 1989.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A withdrawal under subsection 7.10(a) will only be permitted if and to the
extent that:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant has obtained the maximum loan permitted under
Section&nbsp;7.11 as of that same date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The withdrawal is made to meet an immediate and heavy financial
need arising from (1)&nbsp;medical expenses incurred or to be incurred by the
Participant, his spouse or his dependents; (2)&nbsp;the Participant&#146;s purchase
(excluding mortgage payments) of a principal residence; (3)&nbsp;post-secondary
tuition expenses, related educational fees and room and board expenses incurred
or to be incurred by the Participant, his spouse or his dependents for the next
12&nbsp;months; (4)&nbsp;eviction or foreclosure proceedings against the Participant in
connection with his principal residence or the mortgage on that residence; (5)
burial or funeral expenses for the Participant&#146;s parent, spouse, children or
dependents; or (6)&nbsp;expenses for the repair of damage to the Participant&#146;s
principal residence<B>. </B>The amount of the financial need may include any amount
necessary to pay any federal, state or local income taxes or penalties
reasonably anticipated to result from the withdrawal.</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant withdraws only the amount necessary to satisfy
the financial need described in paragraph (ii)&nbsp;above. The Committee may
require a statement to that effect on a form established by the Committee
before permitting a withdrawal under subsection 7.10(a).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A withdrawal may be made as of any day provided that (i)&nbsp;the Participant has
submitted a written request with the Committee at least 30&nbsp;days prior to the withdrawal
on a form authorized by the Committee for that purpose and (ii)&nbsp;no other withdrawal has
been made by the Participant during the 12-month period preceding the withdrawal.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If a withdrawal is made under subsection 7.10(a), the Participant&#146;s
Compensation Deferrals will be limited in accordance with Section&nbsp;3.6.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;7.11</B></U> <U><B>Participant Loans</B></U>. The Trustee may loan a portion of the Trust
to a Participant at the Committee&#146;s direction in accordance with the provisions of Supplement E.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->45<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;VIII</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Funding and Plan Administration</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.1</B></U> <U><B>Funding Policy</B></U>. The funding policy for the Plan will be prepared
and approved by the Committee from time to time as required by ERISA and will be consistent with
the objectives of the Plan and the requirements of ERISA. At least annually, the Committee will
review the funding policy. The Committee will make a written record of all actions taken with
respect to establishing and reviewing the funding policy. The Committee will from time to time
determine the cash requirements of the Plan and communicate the same to the Trustee or any
investment manager. The Trustee will make investments consistent with the funding policy,
Committee direction and the cash requirements of the Plan, or if the Committee or Trustee has made
a delegation of its investment authority to an investment manager under Section&nbsp;6.1, by such
investment manager.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.2</B></U> <U><B>Committee</B></U>. The Committee, as appointed by the Board, will act as
the Plan administrator and as the Plan&#146;s agent for service of legal process and will perform the
day-to-day administration of the Plan as provided in this Article. If no Committee is appointed,
the Company will perform the duties assigned to the Committee and all references to the Committee
will be deemed to refer to the Company. The Committee will consist of three or more individuals
who may but need not be employees of an Affiliate. The Company will notify the Trustee, any other
Employers and the Participants of the Committee&#146;s membership.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.3</B></U> <U><B>Appointment, Resignation and Removal of Committee Members</B></U>. The
Company may remove a member of the Committee at any time by written notice to him, the other
Committee members, any other Employers and the Trustee. A Committee member may resign at any time
by written notice to the Board, the other Committee members, any other Employers and the Trustee.
The Board may fill any vacancy in the Committee&#146;s membership and will give written notice thereof
to the other Committee members, any other Employers and the Trustee. While there is a vacancy in
the Committee&#146;s membership, the remaining Committee members will have the same powers as the full
Committee until the vacancy is filled.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.4</B></U> <U><B>Committee Procedures</B></U>. The Committee may act at a meeting or in
writing without a meeting. The Committee may elect one of its members as chairman and appoint a
secretary, who may or may not be a Committee member, as it deems advisable. The Committee may
authorize any one or more of its members to execute any directive or certification on behalf of the
Committee. The Trustee, upon receipt of such authorization, may rely on any directive or
certification issued by the authorized member or members until notified to the contrary. The
Committee may also adopt such bylaws and regulations as it deems desirable for the conduct of its
affairs. All decisions of the Committee will be made by the vote of the majority including actions
in writing taken without a
meeting. If because of the number of members qualified to act there is no majority on a
particular matter, the Company will decide the matter.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->46<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.5</B></U> <U><B>Committee Powers and Duties</B></U>. The Committee has the duties and
powers necessary to discharge its obligations under the Plan and Trust, including, but not limited
to, the following:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To construe and interpret the Plan and decide all questions arising in the
administration, interpretation and application of the Plan and Trust;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To receive from the Employers and from Participants the information necessary
for the proper administration of the Plan;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To keep, and to furnish an Employer upon its request, such records and reports
with respect to the administration of the Plan as are reasonable and appropriate;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To receive, review and keep on file (as it deems convenient or proper) reports
of the financial condition, and of the receipts and disbursements, of the Trust fund
from the Trustee;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To direct the Trustee in the payments or distributions to be made from the
Trust fund in accordance with the provisions of the Plan;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(f)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To appoint or employ individuals to assist in the administration of the Plan
and any other agents it deems advisable, including providers of legal, accounting,
record keeping and plan administration services; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(g)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>To enter into option agreements with the Company or shareholders of the Company
with respect to the acquisition of Company Stock on such terms and conditions as the
Committee determines. Such option agreements will be assignable to the Trustee;
provided, however, neither the agreement nor the assignment provisions thereof may
require or otherwise bind the Trustee to acquire Company Stock.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.6</B></U> <U><B>Committee Rules and Decisions</B></U>. The Committee may adopt such rules
and procedures as it deems necessary or desirable to provide for the proper administration of the
Plan. All rules and decisions of the Committee will be consistent with the terms of the Plan and
Trust and will be uniformly and consistently applied to all Participants in similar circumstances.
When making a determination or calculation, the Committee is entitled to rely upon information
furnished by a Participant or Beneficiary, the Employers, the legal counsel of the Company, or the
Trustee. The Committee will make any adjustments it considers equitable and practicable to correct
a mistake of fact once the mistake becomes known. Subject to applicable law, any determination made
in good faith by the Committee under this Article will be binding on all persons. Consequently,
benefits under the
Plan will be paid only if the Committee decides in its discretion that the applicant is
entitled to them.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.7</B></U> <U><B>Interested Committee Member</B></U>. If a Committee member (or that
member&#146;s spouse) is a Participant, that member will be ineligible to participate in any decision
concerning his eligibility for the amount, method or timing of a distribution under the Plan to be
made on his behalf (or on behalf of his spouse).
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->47<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.8</B></U> <U><B>Facility of Payment</B></U>. Whenever, in the Committee&#146;s opinion, a
person entitled to receive any payment under the Plan is under a legal disability or incapacitated
in any way so as to be unable to manage his financial affairs, the Committee may direct the Trustee
to make payments to his legal representative or to a relative or friend of such person for his
benefit, or to apply the payment for the benefit of the person in a manner the Committee considers
appropriate. Any benefit payment made in accordance with this Section will constitute a complete
discharge of any liability for the making of such payment under the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.9</B></U> <U><B>Missing Participants and Beneficiaries</B></U>. Each Participant must
file his and his Beneficiary&#146;s post office address (and any change of address) with the Committee.
Any communication sent to a Participant or Beneficiary at the address last filed with the
Committee, or at the address shown on the Employer&#146;s records if no address was filed with the
Committee, will be binding on the Participant and Beneficiary for all purposes of the Plan.
Neither the Committee nor an Employer is required to search for or locate a Participant or
Beneficiary. If a payment cannot be made within three years of the date the payment was originally
due because the Participant&#146;s or Beneficiary&#146;s whereabouts is unknown, the payment will be
forfeited and the forfeited amount will be utilized in one of the following ways as determined by
the Committee in its sole and absolute discretion:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>By paying the forfeited amount to the Beneficiary.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>By paying the forfeited amount to the Participant&#146;s spouse (if then living).</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If there is no known Beneficiary or Surviving Spouse, by paying the forfeited
amount to one or more of the Participant&#146;s relatives (if then living) in any proportion
the Committee determines to be equitable.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>By treating the forfeited amount as a forfeited Remainder under Section&nbsp;7.4.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.10</B></U> <U><B>Claims and Review Procedures</B></U>. While a Participant or Beneficiary
need not file a claim to receive a benefit under the Plan, such a person may submit a written claim
to the Committee or seek a review of the Committee&#146;s benefit determination. The Committee will
afford the Participant or Beneficiary a full and fair review of such a request as provided in
Supplement A.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.11</B></U> <U><B>Plan Expenses</B></U>. All usual and reasonable expenses of
administering the Plan, including expenses incurred by the Committee, may be paid in whole or in
part by the Employers (in the proportion determined by the Company), and any expenses not paid by
the Employers may be paid by the Trustee out of the principal or income of the Trust. Such
payments will be made in accordance with written procedures established by the Committee and
approved by the Trustee. To the extent expenses are paid by the Trustee from the Trust, the
Committee may allocate those expenses to an individual Participant&#146;s Account in accordance with
nondiscriminatory rules established by the Committee and communicated to Participants. Any member
of the Committee who is an employee of an Affiliate may not receive compensation with respect to
his services for the Committee. The payment of Plan and Trust fees and expenses
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->48<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">shall include the
reimbursement of the Company or Committee for fees and expenses paid by the Company on behalf of
the Plan and Trust which are properly payable by the Plan and Trust.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;8.12</B></U> <U><B>Fiduciary Responsibilities</B></U>. A fiduciary with respect to the Plan
or Trust will discharge his fiduciary duties solely in the interest of Participants and their
Beneficiaries with the care, skill, prudence and diligence under the circumstances then prevailing
that a prudent person acting in a like capacity and familiar with such matters would use in the
conduct of an enterprise of like character and with like aims. It is intended under the Plan and
Trust that a fiduciary will be responsible only for the proper exercise of its own fiduciary duties
and obligations to the extent not properly allocated or delegated to other persons.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->49<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;IX</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Miscellaneous</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.1</B></U> <U><B>Nonguarantee of Employment</B></U>. Nothing contained in the Plan may be
construed as a contract of employment between an Employer and any employee, or as a right to be
engaged or continued in the employment of an Employer, or as a limitation of the right of an
Employer to discharge any of its employees, with or without cause.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.2</B></U> <U><B>Rights to Trust Assets</B></U>. No employee or Beneficiary has any right
to, or interest in, any assets of the Trust, except as provided from time to time under the Plan.
Benefits payable under the Plan to any person are to be paid solely out of the assets of the Trust
and the liability of the Committee, the Employers and the Trustee to make a benefit payment is
limited to the Trust assets available for that purpose.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.3</B></U> <U><B>Nonalienation of Benefits</B></U>. Except as may be required by the tax
withholding provisions of a federal, state or municipal tax act or pursuant to a qualified domestic
relations order (as that term is defined in Code Section&nbsp;414(p)) or pursuant to a judgment or
settlement described in Code Section&nbsp;401(a)(13)(C), benefits payable under the Plan are not subject
in any manner to sale, transfer, assignment, pledge, encumbrance, garnishment, or levy of any kind,
either voluntary or involuntary, prior to actually being received by the person entitled to the
benefit under the terms of the Plan; and any attempt to sell, transfer, assign, pledge, encumber,
or otherwise dispose of any right to benefits payable hereunder will be void. The Trust will not
be liable for, or subject to, the debts, contracts, liabilities, engagements or torts of any person
entitled to benefits hereunder.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.4</B></U> <U><B>Applicable State Law</B></U>. To the extent not superseded by the laws of
the United States, this Plan will be administered and construed and its validity determined under
the laws of the State of Indiana, without regard to that state&#146;s choice of law principles.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.5</B></U> <U><B>Illegal or Invalid Provisions</B></U>. In the event any provision of the
Plan is held illegal or invalid for any reason, such illegality or invalidity will not affect the
remaining parts of the Plan, and the Plan will be construed and enforced as if such illegal or
invalid provision had never been inserted herein.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.6</B></U> <U><B>Gender and Number</B></U>. Words in the masculine gender are to be construed to include the feminine gender in all
cases where appropriate and words in the singular or plural are to be construed as being in the
plural or singular where appropriate.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.7</B></U> <U><B>Execution in Counterparts</B></U>. The Plan may be executed in any number
of counterparts each of which will be deemed to be an original. All the counterparts will
constitute but one and the same instrument and may be sufficiently evidenced by any one
counterpart.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.8</B></U> <U><B>Waiver of Notice</B></U>. Any notice required under the Plan may be
waived by the party entitled to such notice.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.9</B></U> <U><B>Action by the Employers</B></U>. Any action required or permitted to be
taken by an Employer under the Plan or Trust must be by resolution of its board of directors, by a
duly authorized committee of its board of directors or by a person or persons duly authorized by
its board of directors or such committee.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.10</B></U> <U><B>Indemnification</B></U>. To the extent permitted by law, the Employers
will indemnify each current and former employee or director of an Employer and each current and
former Committee member against any and all liability or claim of liability (to the extent not
indemnified in the first instance under any liability insurance contract or other indemnification
agreement) which the person incurs on account of any act or failure to act in connection with the
good faith administration of the Plan, including all expenses incurred in the person&#146;s defense if
the Employers fail to provide a defense after having been requested to do so in writing. The right
to indemnification under this Section is conditioned upon the person notifying the Company of the
claim of liability within 30&nbsp;days of the notice of that claim and offering the Company the right to
participate in and control the settlement and defense of the claim.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.11</B></U> <U><B>Nonguarantee of Funds</B></U>. Neither the Committee, the Trustee, nor
the Employers in any way guarantee the Trust from loss or depreciation.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.12</B></U> <U><B>Qualified Domestic Relations Orders</B></U>. Notwithstanding the
provisions of Article&nbsp;VII, payments from a Participant&#146;s Account may be made (to the extent vested
under Section&nbsp;7.3) to an &#147;Alternate Payee&#148; under a &#147;Qualified Domestic Relations Order&#148; (as those
terms are defined under Code Section&nbsp;414(p)) prior to the Participant&#146;s retirement or other
termination of employment. As soon as practicable following the Committee&#146;s determination that a
domestic relations order constitutes a Qualified Domestic Relations Order, that portion of the
Participant&#146;s Account awarded to the Alternate Payee pursuant to such order will be transferred to
an account maintained under the Plan on behalf of
the Alternate Payee. Nothing contained in the Plan will prevent the Trustee, in accordance
with the direction of the Committee, from complying with the provisions of a Qualified Domestic
Relations Order.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;9.13</B></U> <U><B>Federal and State Securities Law Compliance</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Each Participant or Beneficiary may be required by the Committee, prior to the
transfer of Company Stock to such Participant or Beneficiary, to execute and deliver an
agreement, in form and substance acceptable to the Committee, certifying such person&#146;s
intent to hold such Company Stock and containing such other representations and
agreements relating to the Company Stock as the Committee may reasonably request;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Committee will take all necessary steps to comply with any applicable
registration or other requirements of federal or state securities laws from which no
exemption is available; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Stock certificates distributed to Participants may bear such legends concerning
restrictions imposed by federal or state securities laws, and concerning other</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>restrictions and rights under the Plan, as the Committee in its discretion may
determine.</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;X</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Amendment and Termination</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;10.1</B></U> <U><B>Amendment</B></U>. The Company reserves the right to amend the Plan from
time to time in its sole discretion, provided the amendment:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Except as provided in Section&nbsp;11.3, does not cause any part of the Trust fund
to be used for, or diverted to, any purpose other than the exclusive benefit of
Participants or their Beneficiaries;</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Does not eliminate or reduce a Participant&#146;s accrued benefit; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Does not increase the duties, powers, or liabilities of the Trustee without its
written consent.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;10.2</B></U> <U><B>Termination</B></U>. While the Employers expect and intend to continue
the Plan, the Company reserves the right to terminate the Plan with respect to all Employers at any
time in its sole discretion. In addition, the Plan will terminate with respect to an individual
Employer (a)&nbsp;by resolution of the Employer&#146;s board of directors, provided that 30&nbsp;days advance
written notice is given to the Committee and the Company; (b)&nbsp;upon the dissolution, merger,
consolidation or reorganization of the Employer or the sale by the Employer of all or substantially
all of its assets (unless a successor is substituted for the Employer under Section&nbsp;11.1); or (c)
upon the Employer&#146;s complete discontinuance of contributions. A partial termination of the Plan
may occur with respect to a group of Participants on any date specified by the Committee or
required by law.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;10.3</B></U> <U><B>Termination Procedures</B></U>. The date of a termination or partial
termination (a &#147;Plan Termination Date&#148;) will constitute a special Accounting Date under Section
5.2. If, as of the Plan Termination Date, a Loan is outstanding, the shares of Company Stock held
in the suspense account referred to in Section&nbsp;6.4 as of such date and pledged as collateral for
such Loan (or the proceeds from the sale of such Company Stock) will be applied by the Trustee
solely to discharge the Loan. After the discharge of the Loan, if applicable, any adjustments
required under Section&nbsp;5.3 will be made. After such adjustments have been made, the Committee may
reserve a sum it deems to be reasonably necessary to pay any absolute or contingent liabilities of
the Plan or Trust and may charge that sum to each Participant&#146;s Account on a pro rata basis
according to the Account balances as adjusted under the preceding sentence. Provided, however, any
adjustments or allocations made as of the Plan Termination Date will be subject to the requirements
of Code Section&nbsp;401(a)(4) and the regulations promulgated thereunder. In the event an adjustment
or allocation would not satisfy the requirements of the preceding sentence, the Committee will, on
a nondiscriminatory basis, adjust the allocation to the extent necessary to satisfy the
requirements of Code Section&nbsp;401(a)(4). The Account balances of affected Participants and
Beneficiaries, as
adjusted, will be fully vested and nonforfeitable as of the Plan Termination Date and will be
distributed in a single sum (or, in the case of a partial termination in a method described in
Section&nbsp;7.6) or will continue to be administered as part of the Trust, as determined by the
Committee. All provisions of the Plan which are not inconsistent
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">with this Article will continue
in effect, including all the powers and duties of the Committee, the Company and the Trustee, until
a complete distribution of the Trust has been made.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;10.4</B></U> <U><B>Limitation on Amendment or Termination</B></U>. Notwithstanding the
provisions of Section&nbsp;10.1 and Section&nbsp;10.2, to the extent required by the terms of any Loan, the
Company will not terminate the ESOP component of the Plan, or make any amendment to the ESOP
component of the Plan while any Loan remains outstanding and unpaid in whole or in part, without
the prior written consent to any such termination or amendment by all holders and guarantors, if
any, of the Plan&#146;s obligations under the Loan. Where any holder or guarantor has a representative
on the Committee, such prior written consent will not be required if the representative approves
the amendment.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;XI</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Successors, Mergers and Plan Assets</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;11.1</B></U> <U><B>Successors</B></U>. In the event of the dissolution, merger,
consolidation or reorganization of an Employer or the sale by an Employer of all or substantially
all of its assets, provision may be made with the consent of the Company by which the Plan and
Trust will be continued by the Employer&#146;s successor; and, in that event, the successor will be
substituted for the Employer under the Plan. Upon the substitution, the successor will assume all
Plan liabilities and will assume all of the powers, duties and responsibilities of that Employer.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;11.2</B></U> <U><B>Plan Mergers, Consolidations and Transfers</B></U>. The Plan will not,
in whole or in part, be merged or consolidated with or have its assets or liabilities transferred
to any other plan, unless each Participant would be entitled to receive a benefit immediately after
the merger, consolidation or transfer (if the Plan terminated on that date) equal to or greater
than the benefit he would have been entitled to immediately before the merger, consolidation or
transfer (if the Plan terminated on that date).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;11.3</B></U> <U><B>Plan Assets</B></U>. The Employers will have no right, title or interest
in any assets of the Trust, nor may any assets of the Trust be returned to an Employer, directly or
indirectly, except:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A contribution made by a mistake of fact, provided that the contribution is
returned to the Employer within one year of the original contribution date.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The portion of a contribution that is disallowed as an expense for federal
income tax purposes, provided that such amount is returned to the Employer within one
year of the disallowance.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any amount returned under subsection 11.3(a) or subsection 11.3(b) must first be reduced by
any amount previously distributed from the Trust and then by any Trust losses allocable to that
amount, and in no event may the return of the contribution under those subsection cause any
Participant&#146;s Account balance to be less than the Account balance he would have been credited with
had the contribution not been made.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;XII</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Voting Company Stock</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;12.1</B></U> <U><B>Matters Which Require Pass Through of Voting Rights</B></U>. So long as
Company Stock constitutes a registration-type security, as described in Code Section&nbsp;409(e), Each
Participant, Inactive Participant and Beneficiary will be entitled to direct the Trustee as to the
manner in which voting rights of shares of Company Stock allocated to his Company Stock Account are
to be exercised with respect to all matters as to which such shares are entitled to be voted.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;12.2</B></U> <U><B>Confidential Procedure for Passing Through Voting Rights</B></U>. The
Committee will, at least 30&nbsp;days prior to each meeting of holders of Company Stock, provide each
Participant or Beneficiary entitled under Section&nbsp;12.1 to direct the voting of Company Stock with
notice of such meeting and of those matters which, at the time of the mailing of such notice, are
subject to direction by a Participant, as set forth in Section&nbsp;12.1, and are expected to be
presented at such meeting for action by holders of Company Stock, together with an appropriate form
on which the Participant can direct the Trustee, in confidence, as to the manner of voting on such
matters. If instructions on such matters are not received by the Trustee at least ten business
days prior to such meeting, then pursuant to Section&nbsp;12.3, the Trustee will vote the shares of
Company Stock with respect to which no such instructions were received as it determines in its own
discretion.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;12.3</B></U> <U><B>Trustee Voting Discretion</B></U>. The Trustee will vote any Company
Stock (i)&nbsp;allocated to a Company Stock Account of a Participant with respect to such matters as to
which no voting instructions have been timely received, (ii)&nbsp;contributed to the Trust but not yet
allocated to Participants&#146; Company Stock Accounts, and (iii)&nbsp;held in the suspense account described
in Section&nbsp;6.4 as directed by the Committee. The Trustee will vote all shares pursuant to this
Section and by Participants pursuant to Section&nbsp;12.2, subject to the fiduciary obligations imposed
on it by ERISA.
</DIV>


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</DIV>

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<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Article&nbsp;XIII</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Diversification of Company Stock</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;13.1</B></U> <U><B>Election by Qualified Participant</B></U>(a) . Effective January&nbsp;1,
2007, during each Investment Window, each Participant, Inactive Participant and Beneficiary who has
3 or more Years of Service as of the end of the prior Plan Year may elect to diversify all or any
part of his Company Stock Account that is not subject to participant investment direction pursuant
to Section&nbsp;6.5. A diversification election can specify the shares of Company Stock to be
diversified, based on the cost basis of the shares.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;13.2</B></U> <U><B>Method of Diversifying Investment</B></U>. An election to diversify will
be provided to the Committee in writing and must be effective no later than the last day of the
Investment Window to which the election relates.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant, Inactive Participant or Beneficiary may direct the Committee to
transfer the portion of his Company Stock Account to which the election to diversify
relates to his corresponding subaccount under his 401(k) Account in cash (for example,
if he diversifies a portion of his Matching Contribution-Stock Account, it will be
transferred to his Matching Contribution Account). The amount of cash to be
transferred will be equal to the fair market value of the shares of Company Stock to
which the election relates, as determined under Section&nbsp;6.2. The amount of cash
necessary to implement an election may, to the extent necessary to comply with such
election, be funded by the Committee by charging, on a pro rata basis, the Other
Investments Accounts of all Participants, Inactive Participants and Beneficiaries who
did not make an election under this Article during the Investment Window. The Company
Stock debited from the Participant&#146;s Company Stock Account will be credited, on a pro
rata basis, to the corresponding Company Stock Accounts of Participants, Inactive
Participants and Beneficiaries who did not make an election under this Article. The
Committee may also direct the Trustee to implement an election by selling the Company
Stock to which it relates in the open market or to the Company.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant may elect not to diversify any portion of his Company Stock
Account. The failure by a Participant to make a timely or proper election under this
Article will be treated for all purposes as an election not to exercise his
diversification rights.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;13.3</B></U> <U><B>Committee Procedures</B></U>. The Committee will establish such rules
and procedures as it determines necessary to administer the provisions of this Section.
</DIV>

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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement A</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Claims and Review Procedures</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-1</B></U> <U><B>Procedures Governing the Filing of Benefit Claims</B></U>. All Benefit
Claims must be filed on the appropriate claim forms available from the Committee or in accordance
with the procedures established by the Committee for claim purposes. The term &#147;Benefit Claim&#148;
means a request for a Plan benefit or benefits, made by a Claimant or by an authorized
representative of a Claimant, that complies with the Plan&#146;s procedures for making benefit claims.
The term &#147;Claimant&#148; means a Participant, an Inactive Participant, a Surviving Spouse of a
Participant, a Beneficiary, or an Alternate Payee, who is claiming entitlement to the payment of
any benefit payable under the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-2</B></U> <U><B>Notification of Benefit Determinations</B></U>. The Committee will notify
a Claimant, in accordance with Section&nbsp;A-3, of the Plan&#146;s benefit determination within a reasonable
period of time after receipt of a Benefit Claim, but not later than 90&nbsp;days after receipt of the
Benefit Claim by the Plan. If special circumstances require an extension of time for processing
the Benefit Claim, the Committee will notify the Claimant of the extension prior to the termination
of the initial period described above. The notice will indicate the special circumstances
requiring the extension of time and the date by which the Plan expects to make the benefit
determination. In no event will the extension exceed a period of 90&nbsp;days from the end of the
initial period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-3</B></U> <U><B>Manner And Content of Notification of Benefit Determinations</B></U>. All
notices given by the Committee will be given to a Claimant, or to his authorized representative, in
a manner that satisfies the standards of 29 CFR 2520.104b-1(b) as appropriate with respect to the
particular material required to be furnished or made available to that individual. The Committee
may provide a Claimant with either a written or an electronic notice of the Plan&#146;s benefit
determination. Any electronic notification will comply with the standards imposed by 29 CFR
2520.104b-1(c)(1)(i), (iii)&nbsp;and (iv). In the case of an Adverse Benefit Determination, the notice
will set forth, in a manner calculated to be understood by the Claimant:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The specific reasons for the adverse determination;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Reference to the specific Plan provisions (including any internal rules,
guidelines, protocols, criteria, etc.) on which the determination is based;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A description of any additional material or information necessary for the
Claimant to complete the claim and an explanation of why such material or information
is necessary; and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A description of the Plan&#146;s review procedures and the time limits applicable to
such procedures.</TD>
</TR>

</TABLE>
</DIV>
<DIV align="left" style="font-size: 10pt; margin-top: 6pt">The term &#147;Adverse Benefit Determination&#148; means a denial, reduction, or termination of, or a failure
to provide or make payment (in whole or in part) for, any benefit payable under the Plan.
</DIV>


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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-4</B></U> <U><B>Appeal of Adverse Benefit Determinations</B></U>. A Claimant who receives
an Adverse Benefit Determination and desires a review of that determination must file, or his
authorized representative must file on his behalf, a written request for a review of the Adverse
Benefit Determination, not later than 60&nbsp;days after receiving the determination.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The written request for a review must be filed with the Committee. Upon receiving the written
request for review, the Committee will advise the Claimant, or his authorized representative, in
writing that:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Claimant, or his authorized representative, may submit written comments,
documents, records, and any other information relating to the claim for benefits; and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Claimant will be provided, upon request of the Claimant or his authorized
representative, reasonable access to, and copies of, all documents, records, and other
information relevant to the Claimant&#146;s Benefit Claim, without regard to whether those
documents, records, and information were considered or relied upon in making the
Adverse Benefit Determination that is the subject of the appeal.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-5</B></U> <U><B>Benefit Determination on Review</B></U>. All appeals by a Claimant of an
Adverse Benefit Determination will receive a full and fair review by an appropriate named fiduciary
of the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-6</B></U> <U><B>Notification of Benefit Determination on Review</B></U>. The Committee
will notify a Claimant, in accordance with Section&nbsp;A-7, of the Plan&#146;s benefit determination on
review within a reasonable period of time, but not later than 60&nbsp;days after the Plan&#146;s receipt of
the Claimant&#146;s request for review of an Adverse Benefit Determination. If, however, special
circumstances require an extension of time for processing the review by the named fiduciary, the
Claimant will be notified, prior to the termination of the initial 60-day period, of the special
circumstances requiring the extension and the date by which the Plan expects to render the Plan&#146;s
benefit determination on review, which will not be later than 120&nbsp;days after receipt of a request
for review. Provided, however, in the case of a Plan with a Committee or other group designated as
the appropriate named fiduciary that holds regularly scheduled meetings at least quarterly, the
time limit of this Section will be modified in accordance with 29 CFR 2560.503-1(i)(1)(ii) or 29
CFR 2560.503-1(i)(3)(ii), whichever is applicable.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;A-7</B></U> <U><B>Manner and Content of Notification of Benefit Determination on
Review</B></U>. The Committee will provide a Claimant with notification of its benefit determination on
review in a method described in Section&nbsp;A-3. In the case of an Adverse Benefit Determination on
review, the notification must set forth, in a manner calculated to be understood by the Claimant:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The specific reasons for the adverse determination on review;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Reference to the specific Plan provisions (including any internal rules,
guidelines, protocols, criteria, etc.) on which the benefit determination on review is
based;</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A statement that the Claimant is entitled to receive, upon request and free of
charge, reasonable access to, and copies of, all documents, records and other
information relevant to the Claimant&#146;s Benefit Claim, without regard to whether those
records were considered or relied upon in making the Adverse Benefit Determination on
review, including any reports, and the identities, of any experts whose advice was
obtained.</TD>
</TR>

</TABLE>
</DIV>
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<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement B</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Top-Heavy Provisions</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-1</B></U> <U><B>Application</B></U>. The purpose of this Supplement is to satisfy the
requirements of Code Section&nbsp;416. Consequently, the provisions of Section&nbsp;B-6 will apply for each
Plan Year the Plan is determined to be a &#147;Top-Heavy Plan&#148; under Section&nbsp;B-2.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-2</B></U> <U><B>Top-Heavy Plan</B></U>. Subject to the provisions of Section&nbsp;B-5, the
Plan will be a Top-Heavy Plan for a Plan Year if on that Plan Year&#146;s Determination Date the sum of
the Account balances of Participants who are Key Employees exceeds 60&nbsp;percent of the sum of the
Account balances of all Participants. For purposes of the preceding sentence, the &#147;Determination
Date&#148; for a Plan Year means the last day of the preceding Plan Year.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-3</B></U> <U><B>Key Employees</B></U>. For purposes of this Supplement:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Key Employee&#148; means, any employee or former employee (including a
deceased employee) of an Affiliate who, at any time during the Plan Year that includes
the Determination Date, was:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>An officer of an Affiliate having Total Compensation greater
than $140,000 (as adjusted under Code Section&nbsp;416(i)(1));</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A five-percent owner of an Affiliate; or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A one-percent owner of an Affiliate having Total Compensation
of more than $150,000.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For purposes of determining a Key Employee under this Section, the term Total Compensation
means compensation within the meaning of Code Section&nbsp;416(i)(1) and the applicable regulations and
other guidelines of general applicability issued thereunder. For purposes of determining an
individual&#146;s ownership in an Affiliate under this subsection, the rules of Code Sections&nbsp;414(b),
(c)&nbsp;and (m)&nbsp;will be disregarded.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Non-Key Employee&#148; means any employee who is not a Key Employee.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The terms &#147;Key Employee&#148; and &#147;Non-Key Employee&#148; include the Beneficiaries of such employees,
respectively.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-4</B></U> <U><B>Determination of Account Balances</B></U>. For purposes of determining Participants&#146; Account balances as of any Determination Date
under Section&nbsp;B-2, the following rules apply:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant&#146;s Account balance will be increased by any amounts distributed to
the Participant or his Beneficiary during the one-year period ending on the
Determination Date due to the separation from service, death or Total and </TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->B-1<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Permanent
Disability of the Participant. In the case of a distribution made for any other
reason, &#147;five-year period&#148; will be substituted for &#147;one-year period&#148; in the preceding
sentence.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding subsection B-4(a), the Account balance of a Participant who has
not performed any services for an Affiliate during the one-year period ending on the
Determination Date will be disregarded.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The account balance of a Non-Key Employee who was a Key Employee with respect
to any prior Plan Year will be disregarded.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant&#146;s Account balance will be decreased by any amount rolled over
into the Plan if the After-Tax Employee was initiated by the Participant and the amount
came from a plan other than a plan maintained by an Affiliate.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-5</B></U> <U><B>Aggregation of Plans</B></U>. The Plan will be a Top-Heavy Plan under
Section&nbsp;B-2 if it is part of a Top-Heavy Group for that Plan Year.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Top-Heavy Group</B></U>. The term &#147;Top-Heavy Group&#148; means each plan maintained
by an Affiliate in which a Key Employee participates and each other plan which enables
such a plan to meet the requirements of Code Section&nbsp;401(a)(4) or 410 (either type of
plan is referred to below as an &#147;Aggregated Plan&#148;) where as of a Determination Date the
sum of:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The total of the account balances of Key Employees under any
defined contribution plan that constitutes an Aggregated Plan, and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The present value of the cumulative accrued benefits of Key
Employees under any defined benefit plan that constitutes an Aggregated Plan,</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>exceeds 60&nbsp;percent of a similar sum determined for all employees.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Additional Plans</B></U>. The Company may treat any other plan it or any other
Affiliate maintains as an Aggregated Plan under subsection B-5(a), provided that the
Aggregated Plans would in combination with that plan or plans continue to meet the
requirements of Code Sections&nbsp;401(a)(4) and 410. If the Aggregated Plans which include
this Plan do not comprise a Top-Heavy Group, this Plan will not be a Top-Heavy Plan
under Section&nbsp;B-2.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Other Rules</B></U>. The rules of Section&nbsp;B-4 will apply to determine the
Account balances of employees under this Section (and the term &#147;Accrued Benefit&#148; will
be substituted for the term &#147;Account balance&#148; to determine benefits under a defined
benefit plan). Any plan (including a terminated plan) that was maintained by an
Affiliate within the five-year period ending on the Determination Date will be treated
as an Aggregated Plan if it is otherwise described in subsection B-5(a).</TD>
</TR>


</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;B-6</B></U> <U><B>Minimum Benefit</B></U>. For any Plan Year in which the Plan is
determined to be a Top-Heavy Plan, the contributions allocated under Section&nbsp;4.2 through Section
4.6 to the Account of any Participant who is a Non-Key Employee may not be less than an amount
equal to three percent (or, if lesser, the highest contribution percentage rate of any Key Employee
for that year) of the Participant&#146;s Total Compensation. For purposes of determining a Key
Employee&#146;s contribution percentage rate under the preceding sentence, amounts contributed under
Section&nbsp;4.1 (other than Catch-Up Contributions) for that individual will be counted. A Participant
will be entitled to receive an allocation under this Section if he is employed by an Employer on
the last day of the Plan Year regardless of the number of Hours of Service he accrued in that year.
If the Company or an Affiliate maintains a defined benefit plan that is part of a Top-Heavy Group
for any Plan Year under Section&nbsp;B-5, any Non-Key Employee who participates under both this Plan and
the defined benefit plan will be entitled to the minimum benefit under the defined benefit plan.
Notwithstanding the foregoing, if an Affiliate maintains any other plan, the minimum benefit
required under this Section will be adjusted in accordance with regulations issued under Code
Section 416(f) to prevent an inappropriate duplication or omission of required minimum benefits or
contributions. In this regard, if the other plan is a money purchase pension plan, the minimum
benefit will be provided under that plan.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->B-3<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement C</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Limitations on Compensation Deferral</B></U><BR>
<U><B>and Matching Contributions</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-1</B></U> <U><B>Purpose</B></U>. The purpose of this Supplement is to satisfy the
requirements of Code Sections&nbsp;401(k), 401(m) and 402(g). Consequently, the Compensation Deferral
Contributions and Matching Contributions made on behalf of a Participant will be limited each year
in accordance with the following provisions.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-2</B></U> <U><B>Annual Dollar Limitation on Compensation Deferral Contributions</B></U>.
Notwithstanding any other Plan provision:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>No Participant will be permitted to have Elective Deferrals under this Plan, or
any other qualified plan maintained by an Affiliate in any calendar year, in excess of
the dollar limitation contained in Code Section 402(g) in effect for the calendar year,
except to the extent permitted under subsection 3.1(b) and Code Section 414(v) (the
&#147;Annual Dollar Limitation&#148;). If a Participant&#146;s Compensation Deferral Contributions
exceed the Annual Dollar Limitation in effect for any calendar year, the excess
deferrals (plus the Trust earnings or minus the Trust losses attributable to the excess
deferrals) will be distributed to the Participant by April&nbsp;15 of the next calendar
year.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If a Participant&#146;s Elective Deferrals exceed the Annual Dollar Limitation (or,
if greater, the amount determined under Code Sections&nbsp;402(g)(4) and 402(g)(8)) in
effect for any calendar year, the Participant may notify the Committee in writing of
the excess and may elect to treat all or a portion of his Compensation Deferrals under
this Plan, to the extent of the excess, as an excess Elective Deferral. If this notice
is received by the Committee prior to March 1 of the calendar year following the
calendar year in which the excess Elective Deferrals were made, the Committee may, in
its sole discretion and without regard to any other provision of the Plan, direct the
Trustee to distribute the amount designated by the Participant as excess Elective
Deferrals (plus any Trust earnings or minus any Trust losses attributable to that
amount for the calendar year in which the excess Elective Deferrals were made and the
following Plan Year through the distribution date) prior to April&nbsp;15 of that same year.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Elective Deferral&#148; means the sum of any contributions made on behalf
of a Participant by any entity (including any Compensation Deferral Contributions made
under this Plan but excluding any Catch-Up Contributions made to this Plan or any other
plan described below) for a calendar year:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Under a qualified cash or deferred arrangement (as defined in
Code Section&nbsp;401(k)) to the extent not includible in the Participant&#146;s gross
income for that calendar year under Code Section&nbsp;402(e)(3) (determined
without regard to Code Section&nbsp;402(g));</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Under a simplified employee pension plan to the extent not
includible in the Participant&#146;s gross income for that calendar year under Code
Section&nbsp;402(h)(1)(B) (determined without regard to Code Section&nbsp;402(g));</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Applied toward the purchase of an annuity contract under Code
Section 403(b) pursuant to a salary reduction agreement (within the meaning of
Code Sections&nbsp;3121(a)(5)(D) and 402(g)(3) and any regulations issued under
those Sections); or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Under a simple retirement account established under Code
Section&nbsp;408(p)(2)(A)(i).</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-3</B></U> <U><B>Percentage Limitation on Compensation Deferral Contributions</B></U>.
Notwithstanding any other Plan provision, the Actual Deferral Percentage for Participants who are
Highly Compensated Employees for any Plan Year may not exceed the greater of:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>125&nbsp;percent of the Actual Deferral Percentage for all other Participants for
that same Plan Year; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The lesser of:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>200&nbsp;percent of the Actual Deferral Percentage for all other
Participants for that same Plan Year, or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Actual Deferral Percentage for all other Participants for
that same Plan Year plus two percentage points.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The &#147;Actual Deferral Percentage&#148; for a specified group of Participants for any Plan Year means
the average of the ratios, determined individually for each Participant in the group, of (1)&nbsp;to (2)
where:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Equals the sum of the Compensation Deferral
Contributions made under Section&nbsp;4.1 and the Qualified Non-Elective
Contributions made under Section&nbsp;4.6 for the Participant with respect
to that Plan Year which are treated as Compensation Deferral
Contributions; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Equals the Participant&#146;s Total Compensation (as
determined under Section&nbsp;5.11) for that Plan Year.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee elects to apply Code Section&nbsp;410(b)(4)(B) in determining whether the cash or
deferred arrangement under this Plan satisfies the requirements of Code Section
401(k)(3)(A)(i), and non-Highly Compensated Employees who have not met the minimum age and
service requirements of Code Section&nbsp;410(a)(1)(A) will be excluded when calculating the Actual
Deferral Percentage for Participants under subsections (a)&nbsp;and (b)&nbsp;above. To insure compliance
with the limitation described above (the &#147;Percentage Limitation&#148;), the Committee may limit
prospective Compensation Deferrals of Participants under Section&nbsp;3.1 at any time
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->C-2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">during the Plan
Year. If the Committee determines that the Compensation Deferral Contributions made on behalf of
the Highly Compensated Employees exceed the Percentage Limitation for any Plan Year, the excess
contributions will be calculated by reducing the Actual Deferral Percentage of the Highly
Compensated Employee with the highest Actual Deferral Percentage first. If the Actual Deferral
Percentage test is not yet passed, the process is repeated with the remaining Highly Compensated
Employees until the test is satisfied. Once the total amount of excess contributions is
determined, the excess contributions will be distributed to the Highly Compensated Employees in the
order of their actual contribution amounts (including all contributions treated as deferrals for
the Actual Deferral Percentage test), beginning with the highest deferral amount, to the extent
necessary to distribute all excess contributions. The distributions of excess contributions will
include any Trust earnings or losses attributable to the excess contributions for the Plan Year for
which the excess contributions were made and for the following Plan Year through a date that is not
more than seven days prior to the date the excess contributions are distributed. Any Matching
Contributions which are attributable to excess contributions that are distributed under this
Section will be forfeited and used to reduce future Matching Contributions. The excess to be
distributed under this Section will be reduced by any Excess Deferrals to be returned to the
Participant with respect to that same Plan Year under Section&nbsp;C-2. A distribution under the
preceding sentence will generally be made within two and one-half months after the end of that Plan
Year, but in no event later than the last day of the Plan Year that follows the Plan Year in which
the excess occurred.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-4</B></U> <U><B>Limitation on Matching Contributions</B></U>. Notwithstanding any other
Plan provision, the Contribution Percentage for Participants who are Highly Compensated Employees
for any Plan Year may not exceed the greater of:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>125&nbsp;percent of the Contribution Percentage for all other Participants for that
same Plan Year; or</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The lesser of:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>200&nbsp;percent of the Contribution Percentage for all other
Participants for that same Plan Year, or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Contribution Percentage for all other Participants for that
same Plan Year plus two percentage points.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The &#147;Contribution Percentage&#148; for a specified group of Participants for any Plan Year means
the average of the ratios, determined individually for each Participant in the group, of (A)&nbsp;to (B)
where:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Equals the sum of the Matching Contributions to
be made on behalf of the Participant under Section&nbsp;4.2 for that Plan
Year plus the Qualified Non-Elective Contributions made under Section
4.6 for the Participant with respect to that Plan Year which are
treated as Matching Contributions; and</TD>
</TR>



</TABLE>
</DIV>
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</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">


<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Equals the Participant&#146;s Total Compensation (as
determined under Section&nbsp;5.11) for that Plan Year.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The Committee elects to apply Code Section&nbsp;410(b)(4)(B) in determining whether the Plan meets
the requirements of Code Section&nbsp;401(m)(2)(A), and non-Highly Compensated Employees who have not
met the minimum age and service requirements of Code Section&nbsp;410(a)(1)(A) will be excluded when
calculating the Contribution Percentage for Participants under subsection (a)&nbsp;and (b)&nbsp;above. For
purposes of determining the Contribution Percentage, all or part of the Compensation Deferral
and/or Qualified Non-Elective Contributions made or to be made for the Plan Year being tested with
respect to any or all Participants may be included in the computation of the percentage; provided
that the requirements of Treasury Regulation&nbsp;Section&nbsp;1.401(m)-1(b)(5) are satisfied. If the
Committee determines that the total Matching Contributions to be allocated to, or in fact made, on
behalf of a Highly Compensated Employee would exceed the amount permitted under the Contribution
Percentage Limitation for any Plan Year, the excess Matching Contributions will be calculated by
reducing the Actual Contribution Percentage of the Highly Compensated Employee with the highest
Actual Contribution Percentage first. If the Actual Contribution Percentage test is not yet
passed, the process is repeated until the test is satisfied. Once the total amount of excess
Matching Contributions are determined, the excess contributions that cannot be allocated to the
Highly Compensated Employees&#146; Accounts will be calculated in the order of their actual contribution
amounts (including all contributions treated as Matching Contributions for the Actual Contribution
Percentage test), beginning with the highest contribution amount, to the extent necessary to
eliminate all excess contributions. If any excess Matching Contributions have already been
deposited in a Highly Compensated Employee&#146;s Account, they will be treated as contributions which
were made by mistake of fact, as described in Section&nbsp;11.3; however, to the extent those deposited
contributions are vested, they will be distributed to the Highly Compensated Employees according to
the procedures described above. Non-vested excess Matching Contributions will be removed from the
Participant&#146;s Account and allocated as additional Regular Contributions. The reduction of excess
contributions already deposited will include any Trust earnings or losses attributable to the
excess contributions for the Plan Year for which the excess contributions were made and for the
following Plan Year through a date that is not more than seven days prior to the date the excess
contributions are reduced. The reduction generally will be made within two and one-half months
after the end of the Plan Year in which the excess occurred, but in no event later than the last
day of the Plan Year that follows that Plan Year.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-5</B></U> <U><B>Combined Limitations</B></U>. If Compensation Deferral Contributions and
Matching Contributions are made with respect to the same Plan Year, the Company may elect to treat
all or part of the Compensation Deferrals made under Section&nbsp;4.1 and the Qualified Non-Elective
Contributions made under
Section&nbsp;4.6 as Matching Contributions under Section&nbsp;4.2 for purposes of applying the
limitation of Section&nbsp;C-4, as provided in the regulations issued under Code Sections 401(k) and
401(m).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-6</B></U> <U><B>Highly Compensated Employees</B></U>. For purposes of this Supplement, a
&#147;Highly Compensated Employee&#148; means an individual described in Code Section&nbsp;414(q), which includes
an employee who:
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->C-4<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>At any time during the current or the preceding Plan Year, was a five-percent
owner of an Affiliate;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>During the preceding Plan Year, received Total Compensation from Affiliates in
excess of $95,000 (as adjusted under Code Section&nbsp;414(q)(1)) and was in the top 20
percent of the employees when ranked on the basis of compensation paid during such
year.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;C-7</B></U> <U><B>Aggregation of Plans</B></U>. For purposes of applying the Annual Dollar
Limitation of Section&nbsp;C-2, all Elective Deferrals (other than Catch-Up Contributions) made under
any plan maintained by an Affiliate will be aggregated with the Compensation Deferral Contributions
made under this Plan. For purposes of applying the annual Percentage Limitation of Section&nbsp;C-3,
and the Matching Contribution Percentage Limitation of Section&nbsp;C-4, all plans maintained by the
Affiliates (under which Elective Deferrals are made) that are treated as one plan for purposes of
Code Section&nbsp;401(a)(4) or 410(b) will be treated as one plan in accordance with Code Sections
401(k)(3) and 401(m)(2)(B) and any final regulations issued under those Sections. In addition, if
any Highly Compensated Employee is a participant in any other plan maintained by an Affiliate that
permits Elective Deferrals, that plan will be aggregated with this Plan for purposes of the
foregoing limitations.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->C-5<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement D</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Participation by and Withdrawal of Affiliates</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-1</B></U> <U><B>Participation by Affiliate</B></U>. Any Affiliate may adopt the Plan for
the benefit of its employees and become an Employer by filing a certified copy of a resolution of
its board of directors to that effect with the Company. Notwithstanding the foregoing, the
Affiliate&#146;s adoption of the Plan will not be effective unless the Company consents to that action
by resolution of the Board or by a written consent signed by the Chairman of the Board, the
President, the Chief Executive Officer or any Senior or Executive Vice President of the Company.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-2</B></U> <U><B>Withdrawal of Affiliate</B></U>. Any Employer may withdraw from this Plan
by filing a certified copy of a resolution of its board of directors to that effect with the
Company. Additionally, the Company may cause an Employer to withdraw from this Plan by filing a
certified copy of a resolution of the Board to that effect with the Employer. Such resolutions
will specify the effective date of the withdrawal.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-3</B></U> <U><B>Effect of Withdrawal of Affiliate</B></U>. If an Employer withdraws from
the Plan pursuant to Section&nbsp;D-2 but remains an Affiliate, any Covered Employee of that Affiliate
who was an active Participant in the Plan on the effective date of such withdrawal will become an
Inactive Participant and will be subject to the following additional provisions:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant&#146;s Compensation Deferral and Catch-Up Contributions will
terminate effective with respect to compensation which is paid by the Affiliate on and
after the effective date of the Affiliate&#146;s withdrawal from the Plan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding the fact that, for all other purposes of the Plan, the employee
will be considered to be an Inactive Participant, so long as such employee remains an
employee of the Affiliate, the withdrawal of the Affiliate:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Will not constitute an event under the Plan which enables the
employee to receive a distribution of his Account; and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The employee will continue to be credited with Hours of Service
(for purposes of eligibility to participate under Article&nbsp;II and vesting under
Article&nbsp;VII).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Until the occurrence of a distributable event under the Plan, as described in
Article&nbsp;VII, the Account of an affected Inactive Participant will continue to be
invested as if the Inactive Participant were an active Participant.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-4</B></U> <U><B>Transfer of Employment of Inactive Participant to Employer</B></U>. If an employee who became an Inactive Participant by virtue of the provisions of Section
D-2 transfers employment to an Employer, such Inactive Participant will again become a Participant
immediately on the date on which his employment with such Employer commences. The Participant&#146;s
Compensation Deferral Contributions and Catch-Up Contributions (and the
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->D-1<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">allocation of any Matching,
Discretionary, or Regular Contributions) will be based on Total Compensation which is paid by the
new Employer on and after the effective date of the Participant&#146;s recommencement of participation
in the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-5</B></U> <U><B>Transfer of Employment of Active Participant From Employer</B></U>. If an
employee who is a Participant transfers employment from an Employer to an Affiliate that has not
adopted or has withdrawn from the Plan, the Participant will become an Inactive Participant, as
described in Section&nbsp;D-3, effective as of the effective date of the Participant&#146;s transfer of
employment. In connection therewith, all provisions of Section&nbsp;D-3 will apply to the Participant.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-6</B></U> <U><B>Transfer of Employment Between Employers</B></U>. If an employee who is a
Participant transfers employment from one Employer to another Employer, such employee will continue
to participate in the Plan without interruption. The Participant&#146;s Compensation Deferral
Contributions and Catch-Up Contributions and any allocation of Matching, Discretionary, or Regular
Contributions attributable thereto will be based on Total Compensation which is paid by the new
Employer on and after the effective date of the Participant&#146;s transfer of employment.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-7</B></U> <U><B>Company Action Binding on Other Employers</B></U>. As long as the Company
is the sponsor of the Plan, it is empowered to act for any other Employer in all matters relating
to the Plan.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;D-8</B></U> <U><B>Purpose</B></U>. The provisions of this Supplement D will supersede the
provisions of the Plan (except such provisions as impose conditions or limitations required by
applicable law) to the extent necessary to eliminate any inconsistency between the Plan and this
Supplement D.
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->D-2<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">

<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Schedule&nbsp;1 to Supplement D</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><B><U>Participating Affiliates and Participation Dates</U><BR>
(as of October&nbsp;1, 2006)</B>

</DIV>
<DIV align="center">
<TABLE style="font-size: 10pt" cellspacing="0" border="0" cellpadding="0" width="100%">
<!-- Begin Table Head -->
<TR valign="bottom">
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
    <TD width="5%">&nbsp;</TD>
    <TD width="30%">&nbsp;</TD>
</TR>
<TR style="font-size: 8pt" valign="bottom">
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Name of Affiliate or Branch</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Date of Participation</TD>
    <TD>&nbsp;</TD>
    <TD nowrap align="left" style="border-bottom: 1px solid #000000">Credit for Prior Service</TD>
</TR>

<!-- End Table Head -->
<!-- Begin Table Body -->
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">First National Bank of
Mishawaka
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">July&nbsp;1, 1983
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Community State Bank of
North Liberty
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">April&nbsp;1, 1987
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Bremen State Bank
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">January&nbsp;1, 1997
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Marshall County Bank
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">January&nbsp;1, 1997
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Old Kent/Fifth Third Bank<BR>
(2 branches)
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">July&nbsp;28, 2001
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Citizens Financial
Services, F.S.B. (2
branches)
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">September&nbsp;29, 2001
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">&nbsp;</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">&nbsp;</TD>
</TR>
<TR valign="bottom">
    <TD valign="top"><DIV style="margin-left:0px; text-indent:-0px">Standard Federal Bank (13<BR>
branches)
</DIV></TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">November&nbsp;10, 2001
</TD>
    <TD>&nbsp;</TD>
    <TD align="left" valign="top">Eligibility and Vesting</TD>
</TR>
<!-- End Table Body -->
</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->D-3<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement E</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Participant Loans</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-1</B></U> <U><B>Purpose</B></U>. The Trustee may loan a portion of the Trust to a
Participant from the Participant&#146;s 401(k) Account (other than the Regular Contribution Account or
the Money Purchase Plan Account) at the Committee&#146;s direction in accordance with the terms of this
Supplement E and the written loan policy established by the Committee. Loans will only be allowed
for the reasons described in subsection 7.10(b)(ii).
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-2</B></U> <U><B>Application</B></U>. To obtain a loan, a Participant must file an
application with the Committee on a form supplied by the Committee. Only one application may be
filed in any 12-month period.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-3</B></U> <U><B>Loan Amounts</B></U>. The minimum amount of any loan is $1,000. The
maximum amount for any loan (when added to the outstanding balance of all other loans made to the
Participant from any qualified plan maintained by an Affiliate) is the lesser of:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>$50,000, reduced by the excess (if any) of:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The highest outstanding loan balance during the one-year period
ending on the day before the date the loan is made, over</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The outstanding loan balance on the date the loan is made; or
</TD>
</TR>
<TR>


</TABLE>
</DIV>



<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Fifty percent (50%) of the amount the Participant would be entitled to from his
401(k) Account (other than his Regular Contribution and Money Purchase Plan Accounts)
if he terminated his employment with the Affiliates on the date of the loan.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-4</B></U> <U><B>Loan Provisions</B></U>. Each loan must:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Be evidenced by a written note which bears interest at a reasonable rate
determined by the Committee pursuant to the loan policy;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Be repaid in substantially equal installments, not less frequently than
quarterly as specified in the loan policy, over a period specified in the written note
not to exceed five (5)&nbsp;years (except that a loan used by the Participant to acquire or
construct his principal residence may be repaid over a period not to exceed 15&nbsp;years);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Be secured by the Participant&#146;s Account; and</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Evidence the Participant&#146;s pledge of his Account as security for the loan.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-5</B></U> <U><B>Default</B></U>. In the event the Participant fails to make a loan
payment when due, the unpaid balance of the loan (including any accrued interest) will become due
and payable
</DIV>

<P align="center" style="font-size: 10pt"><!-- Folio -->E-1<!-- /Folio -->
</DIV>

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<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">



<DIV align="left" style="font-size: 10pt; margin-top: 6pt">immediately without demand or notice. The Committee, in its sole discretion, and at
its option, may then demand payment of the balance due under the preceding sentence. The
Participant will also be required to pay any reasonable costs incurred by the Committee to collect
any amount due and payable under this Supplement. Neither a delay nor omission by the Committee
exercising any right or remedy or a single or partial exercise of a right or remedy will operate as
a waiver of that right or remedy or will preclude the further exercise of that or any other right
or remedy.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;E-6</B></U> <U><B>Other Requirements and Procedures</B></U>. The application and grant of
any loan will be subject to such additional rules as may be established by the Committee under the
loan policy and communicated to Participants in writing, subject to the following:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A loan to a Participant will be made from that Participant&#146;s 401(k) Account and
will be treated as an investment of the 401(k) Account. Consequently, the loan balance
will be treated as if it were a separate Investment Fund under Section&nbsp;6.5, with
interest payments treated as earnings to be credited to the Participant&#146;s 401(k)
Account under Section&nbsp;5.3.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If any portion of a loan (including any accrued interest) is unpaid at the time
the Participant or his Beneficiary is to receive a distribution under Article&nbsp;VII, the
Participant&#146;s Account will be reduced prior to the distribution by the lesser of (i)
the outstanding loan balance (including any accrued but unpaid interest), or (ii)&nbsp;the
amount of the distribution to be made.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Loan repayments will be suspended under the Plan during qualifying military
service as permitted under Code Section&nbsp;414(u).</TD>
</TR>

</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->E-2<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement F</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Minimum Required Distributions</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;F-1</B></U> <U><B>Time and Form of Payment of Minimum Required Distributions</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant&#146;s entire Account will be distributed to the Participant no
later than the Participant&#146;s required beginning date as specified in subsection 7.5(e)<B>.</B></TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies before distribution is made, the Participant&#146;s entire
Account will be distributed, no later than as follows:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Surviving Spouse is the Participant&#146;s sole
designated Beneficiary (that is the individual who is designated as the primary
Beneficiary under Section&nbsp;7.7 and is the designated Beneficiary under Code
Section&nbsp;401(a)(9) and the regulations thereunder), distribution to the
Surviving Spouse will be made by December&nbsp;31 of the calendar year which
immediately follows the calendar year in which the Participant died, or by
December&nbsp;31 of the calendar year in which the Participant would have attained
age 70<FONT style="font-size: 70%"><SUP>1</SUP></FONT>/<FONT style="font-size: 60%">2</FONT>, if later.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Surviving Spouse is not the Participant&#146;s
sole designated primary Beneficiary, distributions to the designated
Beneficiary will be made by December&nbsp;31 of the calendar year immediately
following the calendar year in which the Participant died.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For purposes of calculating the minimum distribution on the
death of a Participant for purposes of this Supplement, whether the Participant
has a designated Beneficiary will be determined as of September&nbsp;30 of the year
which follows the year of the Participant&#146;s death. If a designated Beneficiary
disclaims his Plan benefit or has received his entire Plan benefit prior to
such September&nbsp;30, he will not be considered a designated Beneficiary as of
such date. If there is no designated Beneficiary as of September&nbsp;30 of the year
following the year of the Participant&#146;s death, the Participant&#146;s entire Account
will be distributed by December&nbsp;31 of the calendar year containing the fifth
anniversary of the Participant&#146;s death.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Surviving Spouse is the Participant&#146;s sole
designated primary Beneficiary and the Surviving Spouse dies after the
Participant but before distributions to the Surviving Spouse begin, this
subsection F-1(b), other than subsection F-1(b)(i), will apply as if the
Surviving Spouse were the Participant.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For purposes of this subsection F-1(b) and Section&nbsp;F-3, unless subsection F-1(b)(iv)
applies, distributions are considered to begin on the Participant&#146;s required
beginning date. If subsection F-1(b)(iv) applies, distributions are considered to</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->F-1<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>begin on the date distributions are required to begin to the Surviving Spouse under
subsection F-1(b)(i).</TD>
</TR>
<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>
<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Unless the Participant&#146;s Account is distributed in a single sum on or before
the required beginning date, as of the first Distribution Calendar Year distributions
will be made in accordance with Section&nbsp;F-2 and Section&nbsp;F-3. A &#147;Distribution Calendar
Year&#148; is a calendar year for which a minimum distribution is required. For
distributions beginning before the Participant&#146;s death, the first Distribution Calendar
Year is the calendar year immediately preceding the calendar year which contains the
Participant&#146;s required beginning date. For distributions beginning after the
Participant&#146;s death, the first Distribution Calendar Year is the calendar year in which
distributions are required to begin under this Section. The required minimum
distribution for the Participant&#146;s first Distribution Calendar Year will be made on or
before the Participant&#146;s required beginning date. The required minimum distribution
for other Distribution Calendar Years, including the required minimum distribution for
the Distribution Calendar Year in which the Participant&#146;s required beginning date
occurs, will be made on or before December&nbsp;31 of that Distribution Calendar Year.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;F-2</B></U> <U><B>Required Minimum Distributions During Participant&#146;s Lifetime</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>During the Participant&#146;s lifetime, the minimum amount that will be distributed
for each Distribution Calendar Year is the lesser of (i)&nbsp;or (ii)&nbsp;below:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The quotient obtained by dividing the adjusted balance of the
Participant&#146;s Account by the distribution period specified in the Uniform
Lifetime Table set forth in Treasury Regulation&nbsp;Section&nbsp;1.401(a)(9)-9 using the
Participant&#146;s age as of his birthday in the Distribution Calendar Year. For
purposes of this Supplement, the adjusted balance of a Participant&#146;s Account is
the adjusted balance thereof as of the last day of the calendar year
immediately preceding the Distribution Calendar Year (the &#147;Valuation Calendar
Year&#148;), increased by the amount of any Company Contributions or Remainders
allocated to the Account as of dates in the Valuation Calendar Year after the
last day of the prior calendar year and decreased by distributions made in the
Valuation Calendar Year after the last day of the prior calendar year,
including any amounts rolled over or transferred to the Plan either in the
Valuation Calendar Year or in the Distribution Calendar Year if distributed or
transferred in the Valuation Calendar Year.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s sole designated Beneficiary for the
Distribution Calendar Year is the Participant&#146;s spouse, the quotient obtained
by dividing the adjusted balance of the Participant&#146;s Account by the number
specified in the Joint and Last Survivor Table set forth in Treasury
Regulation&nbsp;Section&nbsp;1.401(a)(9)-9, using the ages of the Participant and his
spouse as of their respective birthdays in the Distribution Calendar Year.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->F-2<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Required minimum distributions will be determined under this Section beginning
with the first Distribution Calendar Year and up to and including the Distribution
Calendar Year that includes the Participant&#146;s date of death.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;F-3</B></U> <U><B>Required Minimum Distributions After Participant&#146;s Death</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Death On or After Date Distributions Begin</B></U>.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies on or after the date distributions
begin and there is a designated Beneficiary, the minimum amount that will be
distributed for each Distribution Calendar Year after the year of the
Participant&#146;s death is the quotient obtained by dividing the adjusted balance
of the Participant&#146;s Account by the longer of the remaining life expectancy of
the Participant or the remaining life expectancy of the Participant&#146;s
designated Beneficiary, determined as follows:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(A)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant&#146;s remaining life expectancy
computed using the Single Life Table in Treasury Regulation&nbsp;Section
1.401(a)(9)-9 is calculated using the age of the Participant in the
year of death, reduced by one for each subsequent year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(B)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Participant&#146;s Surviving Spouse is the
Participant&#146;s sole designated Beneficiary, the remaining life
expectancy of the Surviving Spouse, computed using the Single Life
Table in Treasury Regulation&nbsp;Section&nbsp;1.401(a)(9)-9 is calculated for
each Distribution Calendar Year after the year of the Participant&#146;s
death using the Surviving Spouse&#146;s age as of the spouse&#146;s birthday in
that year. For Distribution Calendar Years after the year of the
Surviving Spouse&#146;s death, the remaining life expectancy of the
Surviving Spouse is calculated using his age as of his birthday in the
calendar year of the spouse&#146;s death, reduced by one for each subsequent
calendar year.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="10%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(C)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Surviving Spouse is not
the Participant&#146;s sole designated Beneficiary, the designated
Beneficiary&#146;s remaining life expectancy, computed using the Single Life
Table in Treasury Regulation&nbsp;Section&nbsp;1.401(a)(9)-9, is calculated using
the age of the Beneficiary in the year following the year of the
Participant&#146;s death, reduced by one for each subsequent year.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies on or after the date distributions
begin and there is no designated Beneficiary as of September&nbsp;30 of the year
after the year of
the Participant&#146;s death, the minimum amount that will be distributed for
each Distribution Calendar Year after the year of the Participant&#146;s death is
the quotient obtained by dividing the Participant&#146;s Account balance by the</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->F-3<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Participant&#146;s remaining life expectancy calculated using the age of the
Participant in the year of death, reduced by one for each subsequent year.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD><U><B>Death Before Date Distributions Begin</B></U>.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies before the date distribution is made or
commenced and there is a designated Beneficiary, the minimum amount that will
be distributed for each Distribution Calendar Year after the year of the
Participant&#146;s death is the quotient obtained by dividing the adjusted balance
of the Participant&#146;s Account by the remaining life expectancy of his designated
Beneficiary, determined as provided in subsection F-3(a).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies before distribution is made or
commenced and there is no designated Beneficiary as of September&nbsp;30 of the year
following the year of the Participant&#146;s death, distribution of the
Participant&#146;s entire Account will be completed by December&nbsp;31 of the calendar
year containing the fifth anniversary of the Participant&#146;s death.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant dies before the date distribution is made
or commenced, the Participant&#146;s Surviving Spouse is the Participant&#146;s sole
designated Beneficiary, and the Surviving Spouse dies before distributions to
him are required to begin under Section&nbsp;F-1, this subsection will apply as if
the Surviving Spouse were the Participant.</TD>
</TR>

</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->F-4<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement G</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Money Purchase Plan Account</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;G-1</B></U> <U><B>Purpose</B></U>. The purpose of this Supplement G is to describe the
special distribution rules for the Money Purchase Plan Account.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;G-2</B></U> <U><B>Protected Benefits</B></U>. The payment of a Participant&#146;s Money Purchase
Plan Account that is distributable under Section&nbsp;7.5 will be paid as follows:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Money Purchase Plan Account balance exceeds $5,000 on the
date payment is to be made, that balance will be paid by purchase and distribution of
an annuity subject to the following requirements:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Except as otherwise provided in paragraph (iv)&nbsp;below, if the
Participant has a spouse to whom he is legally married as of the date payment
of his Account is to commence, the Participant&#146;s distributable Money Purchase
Plan Account balance will be applied to purchase a fixed annuity that provides
for the payment of an annuity for the life of the Participant with a survivor
annuity payable for the life of his spouse which is equal to 50% of the annuity
payable during the joint lives of the Participant and his spouse.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In the event a Participant does not have a spouse as of the
date payment of his Account is to commence, his distributable Money Purchase
Plan Account balance will be applied to purchase an annuity that provides him
with an annuity for his life.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The premium paid to the insurance company for the annuity
contract will be charged to the Participant&#146;s Money Purchase Plan Account when
paid. The Committee will direct the Trustee to cause the contract to be
assigned or delivered to the person or persons then entitled to payments under
it, but prior to assignment or delivery of the contract, it shall be rendered
nontransferable and noncommutable.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant may elect not to receive distribution in the form
of an annuity described in (i)&nbsp;or (ii)&nbsp;above, but to instead have his Money
Purchase Plan Account distributed under subsection (b). The Participant&#146;s
election to waive the annuity must be made during the 90-day period ending on
the date the payment of his Account commences. An election under this
paragraph (iv)&nbsp;will be effective only if (1)&nbsp;the Participant has received the
written explanation of the annuity (as described below), (2)
the election designates the alternate payment method to be used and/or the
alternate Beneficiary (which cannot be changed without spousal consent,
unless the Participant&#146;s spouse expressly indicates that a change may be</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->G-1<!-- /Folio -->
</DIV>

<!-- PAGEBREAK -->
<P><HR noshade><P>
<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>made without his or her further consent), (3)&nbsp;the Participant&#146;s spouse
consents to the election in writing, and (4)&nbsp;that consent acknowledges the
effect of the election and is witnessed by a Committee member or a Notary
Public. At least 30&nbsp;days before (but no earlier than 90&nbsp;days before) the
payment of a Participant&#146;s Account is to commence, the Committee shall
provide him with a written explanation of the terms and conditions of the
annuity; the Participant&#146;s right to make, and the effect of, an election to
waive the annuity; the requirement of spousal consent to a waiver; and the
Participant&#146;s right to make, and the effect of, a revocation of a waiver.
The 30-day notice period may be shortened as described in subsection 8.5(f)
except it can be shortened to no less than seven days. An election under
this paragraph may be revoked by a Participant at any time prior to the date
the payment of his Account commences. Waivers and revocations of waivers
may be made at any time any number of times during the applicable election
period.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Participant&#146;s Money Purchase Plan Account balance is $5,000 or less or
if the Participant and his spouse, if any, waive the normal form of benefit pursuant to
paragraph G-2(a)(iv), that balance will be paid in a single sum payment.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;G-3</B></U> <U><B>Death Distribution Provisions</B></U>. In the event of a Participant&#146;s
death, the payment of his Money Purchase Plan Account will be made in accordance with the following
provisions:
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If payments had commenced prior to the Participant&#146;s death, any remaining
payments will be continued under that form.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If payments had not commenced prior to the Participant&#146;s death, payment will be
made in the form selected by the Participant for his designated Beneficiary (or if no
selection had been made, in a single payment).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding subsection (b), if a &#147;Married Participant&#148; (that is, a
Participant who was married on the date of his death) dies prior to the commencement of
the distribution of his Account under the Plan and the distributable benefit exceeds
$5,000, his Money Purchase Plan Account will be applied to provide a pre-retirement
survivor annuity unless he has made an election to waive this annuity under subsection
(d). A &#147;pre-retirement survivor annuity&#148; is an annuity payable for the life of the
Participant&#146;s spouse.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant may make a written election to waive the pre-retirement survivor
annuity at any time on or after the first day of the Plan Year in which he attains age
35&nbsp;years. If the Participant terminates his employment with an Affiliate prior
to attaining age 35, the waiver election may be made on or after his termination
date. A waiver election will be effective only if (i)&nbsp;the Participant has received
the written explanation of the pre-retirement survivor annuity (as described below),
(ii)&nbsp;the Participant specifically designates his Beneficiary (which designation</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->G-2<!-- /Folio -->
</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>cannot be changed without spousal consent, unless the Participant&#146;s spouse expressly
indicates that a change may be made without his or her further consent), (iii)&nbsp;the
Participant&#146;s spouse consents to the election in writing, and (iv)&nbsp;that consent
acknowledges the effect of the election and is witnessed by a Committee member or a
Notary Public. The Committee will provide the Participant, within the &#147;applicable
period,&#148; with a written explanation of the terms and conditions of the
pre-retirement survivor annuity; the Participant&#146;s right to make, and the effect of,
an election to waive the pre-retirement survivor annuity; the requirement of spousal
consent to a waiver; and the Participant&#146;s right to make, and the effect of, a
revocation of a waiver. The &#147;applicable period&#148; means whichever of the following
periods that ends last: (i)&nbsp;the period beginning with the first day of the Plan Year
preceding the Plan Year in which the Participant attains age 32 and ending on the
last day of the Plan Year which precedes the Plan Year in which the Participant
attains age 35; (ii)&nbsp;the period beginning one-year before and ending one-year after
the Participant becomes a Participant in the Plan; or (iii)&nbsp;the period beginning
one-year before and ending one-year after Code Section&nbsp;401(a)(11) applies to the
Participant. If the Participant terminates his employment prior to attaining age
35, the &#147;applicable period&#148; means the period beginning one-year before and ending
one-year after the Participant&#146;s termination date. An election under this
subsection may be revoked by a Participant at any time prior to his death. If a
Participant has elected to waive the pre-retirement survivor annuity, his Account
will be distributed in accordance with subsection (b). Waivers and revocations of
waivers may be made at any time any number of times during the applicable period.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A Participant may also make a written election to waive the pre-retirement
survivor annuity prior to the waiver permitted under subsection (d)&nbsp;above, provided
that the written explanation and spousal consent requirements of subsection (d)&nbsp;are
satisfied. A waiver made by a Participant under this subsection (e)&nbsp;will become
invalid on the first day a waiver could be made by that Participant under subsection
(d).</TD>
</TR>

</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->G-3<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement H</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Section&nbsp;1042 Non-Allocation Requirements</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;H-1</B></U> <U><B>Purpose</B></U>. The purpose of this Supplement H is to set forth the special
&#147;non-allocation rule&#148; in cases where a shareholder sells Company Stock to the ESOP Account in a
transaction to which Code Sections 409(n) and 1042 apply. The provisions of this Supplement H will
not apply so long as Company Stock is readily tradable on an established securities market.
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;H-2</B></U> <U><B>Nonallocation Requirements</B></U>. No portion of the assets of the Plan
attributable to (or allocable in lieu of) Company Stock acquired by the Plan in a sale to which
Code Section&nbsp;1042 applies may accrue (or may be allocated directly or indirectly under any other
plan of the Company which meets the requirements of Code Section&nbsp;401(a)):
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>during the Nonallocation Period, for the benefit of:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any taxpayer who makes an election under Code Section 1042(a)
with respect to Company Stock, or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any individual who is related to the taxpayer (within the
meaning of Code Section&nbsp;267(b)); or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>for the benefit of any other person who owns (after the application of Code
Section 318(a) without regard to the employee trust exception in Code Section
318(a)(2)(B)(i)) more than 25&nbsp;percent of</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any class of outstanding stock of the Company or of any
corporation which is a member of the same controlled group of corporations with
the Company (within the meaning of Code Section&nbsp;409(l)(4)); or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The total value of any class of outstanding stock of the
Company or any such corporation.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>For purposes of this subsection,</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The term &#147;Nonallocation Period&#148; means the period beginning on
the date of the sale of Company Stock to the Plan and ending on the later of
the date which is ten years after the effective date of such sale or the date
of the allocation of Company Stock under this Section attributable to the final
payment of the Loan incurred in connection with such sale.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>A person will not be treated as a more than 25&nbsp;percent
shareholder if such person does not own, under the provisions of Code Section
318, specified in subsection H-2(a)(ii), at any time during the one-year period
ending on the date of the sale of Company Stock to the Plan or on the effective
date</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->H-1<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>of the allocation of Company Stock to the Company Stock Accounts of
Participants, more than 25&nbsp;percent of the stock described in subsection
H-2(b)(i) and subsection H-2(b)(i).</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The provisions of this Supplement H regarding the nonallocation of Company
Stock to certain individuals who are related to a taxpayer who makes an election under
Code Section 1042(a) with respect to Company Stock, will not apply to an employee if:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Such employee is a lineal descendent of the taxpayer; an</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The aggregate fair market value, determined under Section&nbsp;6.2,
of Company Stock allocated to the Company Stock Accounts of all such lineal
descendants during the Nonallocation Period, does not exceed more than five
percent of the Company Stock (or amounts allocated in lieu thereof) held by the
Plan which are attributable to a sale to the Plan by any person related to such
descendants (within the meaning of Code Section&nbsp;267(c)(4)) in a transaction to
which Code Section&nbsp;1042 applied.</TD>
</TR>

</TABLE>
</DIV>


<P align="center" style="font-size: 10pt"><!-- Folio -->H-2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">




<DIV align="center" style="font-size: 10pt; margin-top: 18pt"><U><B>Supplement I</B></U>
</DIV>


<DIV align="Center" style="font-size: 10pt; margin-top: 6pt"><U><B>Exempt Loans</B></U>

</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;I-1</B></U> <U><B>Loans</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Trustee may incur a Loan only as directed by the Committee. The term
&#147;Loan&#148; means any loan, extension of credit or purchase money transaction, as described
in Code Section&nbsp;4975(d)(3) and Treasury Regulation&nbsp;Section&nbsp;54.4975-7(b)(1)(iii), to the
Trustee which is made or guaranteed by a disqualified person (within the meaning of
Code Section&nbsp;4975(e)(2)), including, but not limited to, a direct loan of cash, a
purchase money transaction, an assumption of an obligation of the Trustee, an unsecured
guarantee, or the use of assets of a disqualified person (within the meaning of Code
Section&nbsp;4975(e)(2)) as collateral for a loan. Any such Loan will be used primarily for
the benefit of Participants and their Beneficiaries.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The proceeds, if any, of any such Loan will be used, within a reasonable time
after the Loan is obtained, only to purchase Company Stock, repay the Loan, or repay
any prior Loan. Any such Loan will provide for no more than a reasonable rate of
interest (as determined under Treasury Regulation&nbsp;Section&nbsp;54.4975-7(b)(7)) and must be
without recourse against the Plan. The number of years to maturity under the Loan must
be definitely ascertainable at all times. The only assets of the Plan that may be
given as collateral on a Loan are shares of Company Stock acquired with the proceeds of
the Loan and shares of Company Stock that were used as collateral on a prior Loan
repaid with the proceeds of the current Loan. Such Company Stock so pledged will be
placed in the suspense account provided for in Section&nbsp;6.4. No person entitled to
payment under a Loan will have recourse against Trust assets other than such
collateral, contributions (other than contributions of Company Stock) that are
available under the Plan to meet obligations under the Loan, and earnings attributable
to such collateral and the investment of such contributions.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Subject to the limitations of Code Section&nbsp;404, all Company Contributions paid
during the Plan Year in which a Loan is made (whether before or after the date the
proceeds of the Loan are received), all Company Contributions paid thereafter until the
Loan has been repaid in full, all earnings from the investment of such Company
Contributions, all cash dividends on shares of Company Stock that have not been
allocated to Participants&#146; Company Stock Accounts and all cash dividends on shares of
Company Stock that have been allocated to Participants&#146; Company Stock Accounts, will be
available to meet obligations under the Loan as such obligations accrue, or prior to
the time such obligations accrue, unless otherwise provided by the Company at the time
any such contribution is made or,
with respect to cash dividends on Company Stock, unless otherwise determined by the
Committee in its discretion.</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->I-1<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">



</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any pledge of Company Stock must provide for the release of shares so pledged
upon the payment of any portion of the Loan. The number of shares to be released will
be determined by the Committee under whichever of the following two methods is
permissible based upon the terms of the Loan:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Loan provides annual payments of principal and interest
at a cumulative rate that is not less rapid at any time than level annual
payments of principal and interest over ten years, then for each Plan Year
during the duration of the Loan, the number of shares of Company Stock released
from such pledge will equal the number of encumbered securities held
immediately before release for the current Plan Year multiplied by a fraction.
The numerator of the fraction is the principal paid for such Plan Year. The
denominator of the fraction is the sum of the numerator plus the principal to
be paid for all future years. Such years will be determined without taking
into account any possible extension or renewal periods. If the collateral
includes more than one class of Company Stock, the number of shares of each
class to be released for a Plan Year must be determined by applying the same
fraction to each class. To the extent that the net proceeds received by the
Plan in respect of any Loan exceed the stated principal amount of the Loan,
that portion of any interest payment that would be deemed to be a repayment of
principal under standard loan amortization tables will be treated as principal
paid or principal to be paid, as the case may be, for purposes of the above
calculation. This subsection will not be applicable to a Loan from the time
that, by reason of a renewal, extension, or refinancing, the sum of the expired
duration of the Loan, the renewal period, the extension period and the duration
of a new Loan exceeds ten years.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>If the Loan does not satisfy the conditions stated in
subsection I-1(d)(i), then for each Plan Year during the duration of the Loan,
the number of shares of Company Stock released from such pledge will equal the
number of encumbered securities held immediately before release for the current
Plan Year multiplied by a fraction. The numerator of the fraction is the sum
of principal and interest paid in such Plan Year. The denominator of the
fraction is the sum of the numerator plus the principal and interest to be paid
for all future years. Such years will be determined without taking into
account any possible extensions or renewal periods. If interest on any Loan is
variable, the interest to be paid in future years under the Loan will be
computed by using the interest rate applicable as of the end of the Plan Year.
If the collateral includes more than one class of Company Stock, the number of
shares of each class to be released for a Plan Year must be determined by
applying the same fraction to each class.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Should a Loan initially satisfying the conditions stated in
subsection I-1(d)(i) at some subsequent date cease to satisfy the conditions of
such subsection, by reason of a renewal, extension, or refinancing of the Loan,</TD>
</TR>

</TABLE>
</DIV>
<P align="center" style="font-size: 10pt"><!-- Folio -->I-2<!-- /Folio -->
</DIV>

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<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>then subsection I-1(d)(ii) will be applied in determining the shares released
upon payment of any principal or interest after such date.</TD>
</TR>

</TABLE>
</DIV>

<DIV align="left" style="font-size: 10pt; margin-top: 6pt">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<U><B>Section&nbsp;I-2</B></U> <U><B>Loan Payments</B></U>.
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(a)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Payments of principal and interest on any Loan during a Plan Year may be made
by the Trustee (as directed by the Committee) from:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Company Contributions to the Trust made to meet the Plan&#146;s
obligation under a Loan (other than contributions of Company Stock) and from
any earnings attributable to Company Stock held as collateral for a Loan and
investments of such Company Contributions (both received during or prior to the
Plan Year);</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Amounts allocated to Participants&#146; Other Investments Accounts,
to the extent allowable under Treasury Regulation Section&nbsp;54.4975-7(b)(5) and
subsection 5.13(b);</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR>

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The proceeds of a subsequent Loan made to repay a prior Loan;</TD>
</TR>
</TABLE>
</DIV>


<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iv)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The proceeds of the sale of any Company Stock held as
collateral for a Loan; and</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(v)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Pursuant to Treasury Regulation&nbsp;Section&nbsp;54.4975-11(d)(3), cash
dividends on Company Stock acquired with the proceeds of the Loan to the extent
not subject to Participant election under Section&nbsp;5.13 or allocated as income
of the Plan under Section&nbsp;5.3. Such contributions and earnings will be
accounted for separately by the Plan until the Loan is repaid.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(b)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Company Stock released by reason of the payment of principal or interest on a
Loan from amounts allocated to Participants&#146; Other Investments Accounts or the Company
Contributions Account will immediately upon payment be allocated as set forth in
Article&nbsp;V to the corresponding Participants&#146; Company Stock Accounts or the Company
Contributions Account.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(c)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>The Company will contribute to the Trust sufficient amounts to enable the Trust
to pay principal and interest on any such Loans as they come due; provided, however,
that no such contribution will exceed the limitations contained in Section&nbsp;5.12. In
the event that such contributions, by reason of the limitations in Section&nbsp;5.12, are
insufficient to enable the Trust to pay principal and interest on such Loan as it is
due, then upon the Trustee&#146;s request, the Company will:</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(i)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Make a Loan to the Trust as described in Treasury Regulation
Section&nbsp;54.4975-7(b)(4)(iii), in sufficient amounts to meet such principal and
interest payments. Such new Loan will also meet all requirements of an &#147;exempt
loan&#148; within the meaning of Treasury Regulation&nbsp;Section&nbsp;54.4975-7(b)(1)(iii)
and will be subordinated to the prior Loan. Company</TD>
</TR>

</TABLE>
</DIV>
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</DIV>

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<H5 align="left" style="page-break-before:always">&nbsp;</H5><P>

<DIV style="font-family: 'Times New Roman',Times,serif">


<DIV style="margin-top: 6pt"><TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">
<TR valign="top" style="font-size: 10pt; color: #textcolor#; background: #bgcolor#">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Stock released from the
pledge of the prior Loan will be pledged as collateral to secure the new Loan.
Such Company Stock will be released from this new pledge and allocated to the
Accounts of the Participants in accordance with applicable provisions of the
Plan;</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(ii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Purchase any Company Stock pledged as collateral in an amount
necessary to provide the Trustee with sufficient funds to meet the principal
and interest repayments. Any such sale by the Plan will meet the requirements
of ERISA Section 408(e) and the Department of Labor Regulations promulgated
thereunder; or</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="6%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(iii)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Any combination of the foregoing; provided, however, that the
Company will not, pursuant to the provisions of this subsection, do, fail to
do, or cause to be done any act or thing which would result in a
disqualification of the Plan as an employee stock ownership plan under the
Code.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(d)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding any amendment to or termination of the Plan which causes it to
cease to qualify as an employee stock ownership plan within the meaning of Code Section
4975(e)(7), or any repayment of a Loan, no shares of Company Stock acquired with the
proceeds of a Loan obtained by the Trust to purchase Company Stock may be subject to a
put, call or other option, or buy-sell or similar arrangement while such shares are
held by and when distributed by the Plan.</TD>
</TR>

</TABLE>
</DIV>

<DIV style="margin-top: 6pt">
<TABLE width="100%" border="0" cellpadding="0" cellspacing="0" style="font-size: 10pt">

<TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">(e)</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>Notwithstanding any provision of the Plan to the contrary, in the event the
Plan (or the ESOP Component) is terminated, any shares of Company Stock pledged as
collateral for a Loan and held in the suspense account provided for in Section&nbsp;6.4 (or
the proceeds of the sale of such Company Stock) will be applied to repay the
outstanding balance of the Loan. Any shares of Company Stock or cash proceeds from the
sale thereof which remain in the suspense account after repayment of the Loan will be
allocated to Participants who are actively employed on the effective date of
termination of the Plan in the ratio that the adjusted balance of each eligible
Participant&#146;s Company Stock and Other Investments Accounts bears to the adjusted
balance of the Company Stock and Other Investments Accounts of all Participants
entitled to share in such allocation. Provided, however, such allocation will be
subject to the requirements of Code Section&nbsp;401(a)(4) and the regulations promulgated
thereunder.</TD>
</TR>

<TR>
    <TD style="font-size: 6pt">&nbsp;</TD>
</TR><TR valign="top" style="font-size: 10pt; color: #000000; background: transparent">
    <TD width="2%" style="background: transparent">&nbsp;</TD>
    <TD width="2%" nowrap align="left">&nbsp;</TD>
    <TD width="1%">&nbsp;</TD>
    <TD>In the event an allocation would not satisfy the requirements of the preceding
sentence, the Committee will, on a nondiscriminatory basis, adjust the allocation to
the extent necessary to satisfy the requirements of Code Section&nbsp;401(a)(4). Such
ratio will be calculated after completion of the allocations prescribed in
Article&nbsp;V for the Plan Year in which the effective date of the termination of the
Plan occurs and the completion of any subsequent allocations in succeeding Plan
Years. Such allocation(s) will be made as of the Accounting Date(s) which coincides
with or next follows the effective date of the Plan termination.</TD>
</TR>

</TABLE>
</DIV>


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