Exhibit 10.56

PREMIERE GLOBAL SERVICES, INC. 401(K) PLAN

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Nonstandardized 401(k) Plan

ADOPTION AGREEMENT #005
NONSTANDARDIZED 401(k) PLAN
[Related Employers only]

    The undersigned Employer, by executing this Adoption Agreement, establishes
a retirement plan and trust (collectively "Plan") under the Wells Fargo Defined
Contribution Prototype Plan and Trust Agreement (basic plan document #01). The
Employer, subject to the Employer's Adoption Agreement elections, adopts fully
the Prototype Plan and Trust provisions. This Adoption Agreement, the basic plan
document and any attached Appendices or agreements permitted or referenced
therein, constitute the Employer's entire plan and trust document. All
"Election" references within this Adoption Agreement are Adoption Agreement
Elections. All "Article" or "Section" references are basic plan document
references. Numbers in parentheses which follow election numbers are basic plan
document references. Where an Adoption Agreement election calls for the Employer
to supply text, the Employer (without altering the content of any existing
printed text) may lengthen any space or line, or create additional tiers. When
Employer-supplied text uses terms substantially similar to existed printed
options, all clarifications and caveats applicable to the printed options apply
to the Employer-supplied text unless the context requires otherwise. The
Employer makes the following elections granted under the corresponding
provisions of the basic plan document.   ARTICLE I DEFINITIONS 1. EMPLOYER
(1.23).           Name: Premiere Global Services, Inc.           Address: 3280
Peachtree Road, N.W., Suite 1000, Atlanta, Georgia 30305           Phone number:
404-262-8400           E-mail (optional): _______________________________      
    Employer's Taxable Year: December 31           EIN: 59-3074176   2.   PLAN
(1.40).           Name: Premiere Global Services, Inc. 401(k) Plan          
Plan number: 001_______________________________      (3-digit number for Form
5500 reporting)           Trust EIN (optional): _______________________________
      3. PLAN/LIMITATION YEAR (1.42/1.33). Plan Year and Limitation Year mean
the 12 consecutive month period (except for a short Plan/Limitation Year) ending
every (Complete (a) and (b)): [Note: Complete any applicable blanks under
Election 3 with a specific date, e.g., "June 30" OR "the last day of February"
OR "the first Tuesday in January." In the case of a Short Plan Year or a Short
Limitation Year, include the year, e.g., "May 1, 2008."]   (a) Plan Year (Choose
one of (1) or (2) and choose (3) if applicable):               (1) [X] December
31.               (2) [   ] Fiscal Plan Year: ending:               (3) [   ]
Short Plan Year: commencing: _____________ and ending: ___________ .       (b)  
Limitation Year (Choose one of (1) or (2) and choose (3) if applicable):        
  (1)     [X] Generally same as Plan Year. The Limitation Year is the same as
the Plan Year except where the Plan Year is a short         year in which event
the Limitation Year is always a 12 month period, unless the short Plan Year (and
short Limitation         Year) result from a Plan amendment.         (2)    
[   ] Different Limitation Year: ending:___________ .         (3)     [   ]
Short Limitation Year: commencing:_____________and ending:___________ .   4.  
EFFECTIVE DATE (1.19). The Employer's adoption of the Plan is a (Choose one of
(a), (b), or (c). Choose (d) if applicable):       (a) [   ] New Plan. The
Plan's Effective Date is:       (b) [X] Restated Plan. The Plan's restated
Effective Date is: January 1, 2009. The Plan's original Effective Date was: July
1,     1994 .   [Note: See Section 1.51 for the definition of Restated Plan. If
this Plan is an EGTRRA restatement: (i) the EGTRRA restatement Effective Date
must be the later of the beginning of the 2002 Plan Year or the Plan's original
Effective Date; and (ii) if specific Plan provisions, as reflected in this
Adoption Agreement, do not date back to the EGTRRA restatement Effective Date,
indicate as such in Appendix A.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k) Plan

(c) [   ] Restatement of surviving and merging plans. The Plan restates two (or
more) plans (Complete (1) and (2). Choose (3) as applicable):               (1)
This (surviving) Plan. The Plan's restated Effective Date
is:_____________________ . The Plan's original Effective Date was:   [Note: If
this Plan is an EGTRRA restatement: (i) the EGTRRA restatement Effective Date
must be the later of the beginning of the 2002 Plan Year or the Plan's original
Effective Date; and (ii) if specific Plan provisions, as reflected in this
Adoption Agreement, do not date back to the EGTRRA restatement Effective Date,
indicate as such in Appendix A.]               (2) Merging plan. The
_____________________ Plan was or will be merged into this surviving Plan as
of:___________ . The     merging plan's restated Effective Date is:
_____________________ . The merging plan's original Effective Date
was:____________.     [See the Note under Election 4(c)(1) if this document is
the merging plan's EGTRRA restatement.]           (3)  [   ] Additional merging
plans. The following additional plans were or will be merged into this surviving
Plan (Complete a.     and b. as applicable):                       Name of
merging plan Merger date Restated
Effective Date Original
Effective Date    

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    a. ______________________________ ___________ ___________ ___________     b.
______________________________ ___________ ___________ ___________

(d) [   ] Special Effective Date for Elective Deferral provisions:
_____________________________________     5. TRUSTEE (1.65). The Trustee
executing this Adoption Agreement is (Choose one or more of (a), (b), or (c).
Choose (d) if applicable):       (a) [   ] A discretionary Trustee. See Section
8.02(A).       (b) [X] A nondiscretionary (directed) Trustee or Custodian. See
Section 8.02(B).       (c) [   ] A Trustee under the:
____________________________ (specify name of trust), a separate trust agreement
the Trustee has executed and that the IRS has approved for use with this Plan.
Under this Election 5(c) the Trustee is not executing the Adoption Agreement and
Article VIII of the basic plan document does not apply, except as indicated
otherwise in the separate trust agreement. See Section 8.11(C).       (d) [   ]
Permitted Trust amendments apply. Under Section 8.11 the Employer in Appendix C
has made certain permitted amendments to the Trust. Such amendments do not
constitute a separate trust under Election 5(c).   6. CONTRIBUTION TYPES (1.12).
The Employer and/or Participants, in accordance with the Plan terms, make the
following Contribution Types to the Plan/Trust (Choose one or more of (a)
through (h) as applicable. Choose (i) if applicable):       (a) [X] Pre-Tax
Deferrals. See Section 3.02 and Elections 20-23.       (b) [   ] Roth Deferrals.
See Section 3.02(E) and Elections 20, 21, and 23. [Note: The Employer may not
limit Elective Deferrals to Roth Deferrals only.]       (c) [X] Matching. See
Sections 1.34 and 3.03 and Elections 24-26. [Note: The Employer may make an
Operational QMAC without electing 6(c). See Section 3.03(C)(2).]       (d) [   ]
Nonelective. See Sections 1.37 and 3.04 and Elections 27-29. [Note: The Employer
may make an Operational QNEC without electing 6(d). See Section 3.04(C)(2).]    
  (e) [   ] Safe Harbor/Additional Matching. The Plan is (or pursuant to a
delayed election, may be) a safe harbor 401(k) Plan. The Employer will make (or
under a delayed election, may make) Safe Harbor Contributions as it elects in
Election 30. The Employer may or may not make Additional Matching Contributions
as it elects in Election 30. See Election 26 as to matching Catch-Up Deferrals.
See Section 3.05.       (f) [   ] Employee (after-tax). See Section 3.09 and
Election 35.       (g) [   ] SIMPLE 401(k). The Plan is a SIMPLE 401(k) Plan.
See Section 3.10. The Employer operationally will elect for each Plan Year to
make a SIMPLE Matching Contribution or a SIMPLE Nonelective Contribution as
described in Section 3.10(E). The Employer must notify Participants of the
Employer's SIMPLE contribution election and of the Participants' deferral
election rights and limitations within a reasonable period of time before the
60th day prior to the beginning of the Plan Year. [Note: The Employer electing
6(g) may not elect any other Contribution Types except under Elections 6(a),
6(b), and 6(h).]       (h) [   ] Designated IRA. See Section 3.12 and Election
36.       (i) [   ] None (frozen plan). The Plan is/was frozen effective as of:
_________________________. See Sections 3.01(J) and 11.04.   [Note: Elections 20
through 30 and Elections 35 through 37 do not apply to any Plan Year in which
the Plan is frozen.]

© 2008 Wells Fargo Bank, N.A.

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7.   DISABILITY (1.15). Disability means (Choose one of (a) or (b)):       (a)
[   ] Basic Plan. Disability as defined in Section 1.15(A).       (b) [X]
Describe: as defined in the long-term disability plan for employees of Premiere
Global Services, Inc.   [Note: The Employer may elect an alternative definition
of Disability for purposes of Plan distributions. However, the use of an
alternative definition may result in loss of favorable tax treatment of the
Disability distribution.]   8. EXCLUDED EMPLOYEES (1.21(D)). The following
Employees are not Eligible Employees but are Excluded Employees (Choose one of
(a) or (b)):   [Note: Regardless of the Employer's elections under Election 8:
(i) Employees of any Related Employers (excluding the Signatory Employer) are
Excluded Employees unless the Related Employer becomes a Participating Employer;
and (ii) Reclassified Employees and Leased Employees are Excluded Employees
unless the Employer in Appendix B elects otherwise. See Sections 1.21(B),
1.21(D)(3) and 1.23(D).]   (a) [   ] No Excluded Employees. All Employees are
Eligible Employees as to all Contribution Types.       (b) [X] Exclusions. The
following Employees are Excluded Employees (either as to all Contribution Types
or to the designated     Contribution Type) (Choose one or more of (1) through
(7) as applicable):   [Note: For this Election 8, unless described otherwise in
Election 8(b)(7), Elective Deferrals includes Pre-Tax Deferrals, Roth Deferrals,
Employee Contributions and Safe Harbor Contributions. Matching includes all
Matching Contributions except Safe Harbor Matching Contributions. Nonelective
includes all Nonelective Contributions except Safe Harbor Nonelective
Contributions.]

      (1)
All
Contributions   (2)
Elective
Deferrals (3)
Matching (4)
Nonelective (1) [   ] No exclusions. No exclusions as to the N/A   [   ] [   ]
[   ]     designated Contribution Type. (See Election               8(a))      
  (2) [X] Collective Bargaining (union) Employees. [X] OR [   ] [   ] [   ]    
As described in Code §410(b)(3)(A).               See Section 1.21(D)(1).      
                    (3) [X] Non-Resident Aliens. As described in Code [X] OR
[   ] [   ] [   ]     §410(b)(3)(C). See Section 1.21(D)(2).                    
      (4) [   ] HCEs. See Section 1.21(E). See Election 30(e) [   ] OR [   ]
[   ] [   ]     as to exclusion of some or all HCEs               from Safe
Harbor Contributions.             (5) [   ] Hourly paid Employees. [   ] OR
[   ] [ [   ] (6) [   ] Part-Time/Temporary/Seasonal Employees. [   ] OR [   ] [
[   ]     See Section 1.21(D)(4). A Part-Time, Temporary             or Seasonal
Employee is an Employee               whose regularly scheduled Service is less
than               (specify a maximum of 1,000)               Hours of Service
in the relevant Eligibility               Computation Period.          

[Note: If the Employer under Election 8(b)(6) elects to treat Part-Time,
Temporary and Seasonal Employees as Excluded Employees and any such an Employee
actually completes at least 1,000 Hours of Service during the relevant
Eligibility Computation Period, the Employee becomes an Eligible Employee. See
Section 1.21(D)(4).]                                                   (7) [X]  
Describe exclusion category and/or Contribution Type: the Plan excludes
independent contractors (e.g., Exclude Division B Employees OR Exclude salaried
Employees from Discretionary Matching Contributions.)

[Note: Any exclusion under Election 8(b)(7), except as to
Part-Time/Temporary/Seasonal Employees, may not be based on age or Service or
level of Compensation. See Election 14 for eligibility conditions based on age
or Service.]

Nonstandardized 401(k)

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

9. COMPENSATION (1.11(B)). The following base Compensation (as adjusted under
Elections 10 and 11) applies in allocating Employer Contributions (or the
designated Contribution Type) (Choose one or more of (a) through (d) as
applicable):     [Note: For this Election 9 all definitions include Elective
Deferrals unless excluded under Election 11. See Section 1.11(D). Unless
described otherwise in Election 9(d), Elective Deferrals includes Pre-Tax
Deferrals, Roth Deferrals and Employee Contributions, Matching includes all
Matching Contributions and Nonelective includes all Nonelective Contributions.
In applying any Plan definition which references Section 1.11 Compensation,
where the Employer in this Election 9 elects more than one Compensation
definition for allocation purposes, the Plan Administrator will use W-2 Wages
for such other Plan definitions if the Employer has elected W-2 Wages for any
Contribution Type or Participant group under Election 9. If the Employer has not
elected W-2 Wages, the Plan Administrator for such other Plan definitions will
use 415 Compensation.]                   (1)   (2) (3) (4)       All   Elective
          Contributions   Deferrals Matching Nonelective (a) [X] W-2 Wages (plus
Elective Deferrals). [X] OR [   ] [   ] [   ]     See Section 1.11(B)(1).      
                    (b) [   ] Code §3401 Federal Income Tax [   ] OR [   ] [   ]
[   ]     Withholding Wages (plus Elective               Deferrals). See Section
1.11(B)(2).                           (c) [   ] 415 Compensation (simplified).
[   ] OR [   ] [   ] [   ]     See Section 1.11(B)(3).               [Note: The
Employer may elect an alternative               "general 415 Compensation"
definition by               electing 9(c) and by electing the alternative      
        definition in Appendix B. See Section 1.11(B)(4).]          

(d) [   ] Describe Compensation by Contribution Type or by Participant group:
___________________________________   [Note: Under Election 9(d), the Employer
may: (i) elect Compensation from the elections available under Elections 9(a),
(b), or (c), or a combination thereof as to a Participant group (e.g., W-2 Wages
for Matching Contributions for Division A Employees and 415 Compensation in all
other cases); and/or (ii) define the Contribution Type column headings in a
manner which differs from the "all-inclusive" description in the Note
immediately preceding Election 9(a) (e.g., Compensation for Safe Harbor Matching
Contributions means W-2 Wages and for Additional Matching Contributions means
415 Compensation).]               10. PRE-ENTRY/POST-SEVERANCE COMPENSATION
(1.11(H)/(I)). Compensation under Election 9 (Complete (a). Choose (b). if
applicable):                       [Note: The Plan does not take into account
Post-Severance Compensation unless the Employer elects otherwise in Appendix B
or except as otherwise specified in a Plan amendment. For this Election 10,
unless described otherwise in Election 10(b), Elective Deferrals includes
Pre-Tax Deferrals, Roth Deferrals and Employee Contributions, Matching includes
all Matching Contributions and Nonelective includes all Nonelective
Contributions.]                               (1)       (2)   (3)   (4)        
All       Elective                 Contributions       Deferrals   Matching  
Nonelective (a) [X] Pre-Entry Compensation. Includes (Choose                    
    (1) and (2) as applicable):                         (1) [   ] Plan Year.
Compensation for the entire   [   ]   OR   [   ]   [   ]   [   ]     Plan Year
which includes the Participant's                         Entry Date.            
            (2) [X] Participating Compensation. Only Participating [X]   OR  
[   ]   [   ]   [   ]     Compensation. See Section 1.11(H)(1).                
      [Note: Under a Participating Compensation election, in applying any
Adoption Agreement elected contribution limit or formula, the Plan Administrator
will count only the Participant's Participating Compensation. See Section
1.11(H)(1) as to plan disaggregation.]   (b) [   ] Describe Pre-Entry
Compensation by Contribution Type or by Participant group:
___________________________________   [Note: Under Election 10(b), the Employer
may: (i) elect Compensation from the elections available under Election 10(a) or
a combination thereof as to a Participant group (e.g., Participating
Compensation for all Contribution Types as to Division A Employees, Plan Year
Compensation for all Contribution Types to Division B Employees); and/or (ii)
define the Contribution Type column headings in a manner which differs from the
"all-inclusive" description in the Note immediately preceding Election 10(a)
(e.g., Compensation for Nonelective Contributions is Participating Compensation
and for Safe Harbor Nonelective Contributions is Plan Year Compensation).]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

11. EXCLUDED COMPENSATION (1.11(G)). Apply the following Compensation exclusions
to Elections 9 and 10 (Choose one of (a) or (b)):   (a)   [   ] No exclusions.
Compensation as to all Contribution Types means Compensation as elected in
Elections 9 and 10.   (b)   [X] Exclusions. Exclude the following (Choose one or
more of (1) through (9) as applicable):       [Note: In a safe harbor 401(k)
plan, allocations qualifying for the ADP or ACP test safe harbors must be based
on a non-discriminatory definition of Compensation. If the Plan applies
permitted disparity, allocations also must be based on a non-discriminatory
definition of Compensation if the Plan is to avoid more complex testing.
Elections 11(b)(4) through (b)(9) may cause allocation Compensation to fail to
be non-discriminatory. In a non-safe harbor 401(k) plan, Elections 11(b)(4)
through (b)(9) which result in Compensation failing to be non-discriminatory may
result in more complex nondiscrimination testing. For this Election 11, unless
described otherwise in Election 11(b)(9), Elective Deferrals includes Pre-Tax
Deferrals, Roth Deferrals and Employee Contributions, Matching includes all
Matching Contributions and Nonelective includes all Nonelective Contributions.]
                          (1)   (2) (3) (4)                 All   Elective      
              Contributions   Deferrals Matching Nonelective       (1)   [   ]
No exclusions-limited. No   N/A   [   ] [   ] [   ]                exclusions as
to the designated   (See                        Contribution Type(s).   Election
11(a))               (2)   [   ] Elective Deferrals. See Section 1.20. N/A   N/A
[   ] [   ]       (3)   [X] Fringe benefits. As described in Treas. [X] OR [   ]
[   ] [   ]                Reg. §1.414(s)-1(c)(3).                   (4)   [   ]
Compensation exceeding $_______. [X] OR [   ] [   ] [   ]                      
          Apply this election to (Choose one of a. or b.):                      
                    a. [   ] All Participants. [Note: If the Employer          
            elects Safe Harbor Contributions under                      
Election 6(e), the Employer may not                       elect 11(b)(4)a. to
limit the Safe Harbor                       Contribution allocation to the
NHCEs.]                                             b. [   ] HCE Participants
only.                   (5)   [   ] Bonus.   [   ] OR [   ] [   ] [   ]      
(6)   [   ] Commission.   [   ] OR [   ] [   ] [   ]       (7)   [   ] Overtime.
  [   ] OR [   ] [   ] [   ]                           (8)   [   ] Related
Employers. See Section 1.23(C).                                           (If
there are Related Employers, choose one or                     both of a. and b.
as applicable):                                           a. [   ]
Non-Participating. Compensation paid to [   ] OR [   ] [   ] [   ]            
Employees by a Related Employer that is                       not a
Participating Employer.                                           b. [   ]
Participating. As to the Employees of any [   ] OR [   ] [   ] [   ]            
Participating Employer, Compensation paid                       by any other
Participating Employer to its                       Employees. See Election
28(g)(2)a.                 (9) I I Describe Compensation exclusion(s):
___________________________________________________   [Note: Under Election
11(b)(9), the Employer may: (i) describe Compensation from the elections
available under Elections 11(b)(1) through (8), or a combination thereof as to a
Participant group (e.g., No exclusions as to Division A Employees and exclude
bonus as to Division B Employees); (ii) define the Contribution Type column
headings in a manner which differs from the "all-inclusive" description in the
Note immediately preceding Election 11(b)(1) (e.g., Elective Deferrals means
§125 cafeteria deferrals only OR No exclusions as to Safe Harbor Contributions
and exclude bonus as to Nonelective Contributions); and/or (iii) describe
another exclusion (e.g., Exclude shift differential pay).]

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Nonstandardized 401(k) Plan

12. HOURS OF SERVICE (1.31). The Plan credits Hours of Service for the following
purposes (and to the Employees described in Elections 12(d) or (e)) as follows
(Choose one or more of (a) through (e) as applicable):                          
                                        (1)       (2)   (3)   (4)              
    All               Allocation                   Purposes       Eligibility  
Vesting   Conditions (a)   [X] Actual Method. See Section 1.31(A)(1).   [XI   OR
  [   ]   [   ]   [   ]                                 (b)   [   ] Equivalency
Method:   (e.g., daily,   [   ]   OR   [   ]   [   ]   [   ]       weekly,
etc.). See Section 1.31(A)(2).                                                
(c)   [   ] Elapsed Time Method. See Section 1.31(A)(3).   [   ]   OR   [   ]  
[   ]   [   ]                             (d)   [   ] Actual (hourly) and
Equivalency (salaried).   [   ]   OR   [   ]   [   ]   [   ]       Actual Method
for hourly paid Employees       and Equivalency Method:               (e.g.,
daily, weekly, etc.) for salaried Employees. (e)   [   ] Describe method:
_________________   [Note: Under Election 12(e), the Employer may describe Hours
of Service from the elections available under Elections 12(a) through (d), or a
combination thereof as to a Participant group and/or Contribution Type (e.g.,
For all purposes, Actual Method applies to office workers and Equivalency Method
applies to truck drivers).]                       13. ELECTIVE SERVICE CREDITING
(1.56(C)). The Plan must credit Related Employer Service under Section 1.23(C)
and also must credit certain Predecessor Employer/Predecessor Plan Service under
Section 1.56(B). The Plan also elects under Section 1.56(C) to credit as Service
the following Predecessor Employer service (Choose one of (a) or (b)):          
                    (a) [   ] Not applicable. No elective Predecessor Employer
Service crediting applies.       (b) [X] Applies. The Plan credits the specified
service with the following designated Predecessor Employers as Service for the  
  Employer for the purposes indicated (Choose (1) and (2) as applicable.
Complete (3). Choose (4) if applicable):               [Note: Any elective
Service crediting under this Election 13 must be nondiscriminatory.]          
(1) [X] All purposes. Credit Service for all purposes with Predecessor
Employer(s): Accucast, Inc. (effective January 26, 2006);       Soundpath
Conferencing Services (effective August 12, 2008); Link Conference Service
(effective February 10, 2009).       (insert as many names as needed).          
                        (3)     (2) [   ] Designated purposes. Credit Service
with       (1)   (2)       Contribution         the following Predecessor
Employer(s) for       Eligibility   Vesting       Allocation         the
designated purpose(s):                         a.   Employer: _______________  
        [   ]   [   ]       [   ]                                           b.  
Employer: _______________           [   ]   [   ]       [   ]                  
                        c.   Employer: _______________           [   ]   [   ]  
    [   ]           (3) Time period. Under Elections 13(b)(1) or (2), the Plan
credits (Choose one or more of a., b., and c. as applicable):                  
a. [X] All. All Service under Election(s) 13(b) 1, regardless of when rendered.
                  b. [   ] Service after. All Service under Election(s) 13(b)
_____ , which is or was rendered after: ___________________________          
(specify date).                   c. [   ] Service before. All Service under
Election(s) 13(b) _____, which is or was rendered before:
___________________________           (specify date).           (4) [   ]
Describe elective Predecessor Employer Service crediting: .   [Note: Under
Election 13(b)(4), the Employer may describe service crediting from the
elections available under Elections 13(b)(1) through (3), or a combination
thereof as to a Participant group and/or Contribution Type (e.g., For all
purposes credit service with X only on/after 1/1/05 OR Credit all service for
all purposes with entities the Employer acquires after 12/31/04 OR Service
crediting for X Company applies only for purposes of Nonelective Contributions
and not for Matching Contributions).]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k) Plan

ARTICLE II
ELIGIBILITY REQUIREMENTS

14. ELIGIBILITY (2.01). To become a Participant in the Plan, an Eligible
Employee must satisfy (Choose one of (a) or (b)):     [Note: If the Employer
under a safe harbor plan elects "early" eligibility for Elective Deferrals
(e.g., less than one Year of Service and age 21), but does not elect early
eligibility for any Safe Harbor Contributions, also see Election 30(f).]   (a)
[   ] No conditions. No eligibility conditions as to all Contribution Types.
Entry is on the Employment Commencement Date (if that date is also an Entry
Date), or if later, upon the next following Plan Entry Date.   [Note: No
eligibility conditions apply to Prevailing Wage Contributions unless the
Prevailing Wage Contract provides otherwise. See Section 2.01(D).]   (b) [X]
Conditions. The following eligibility conditions (either as to all Contribution
Types or as to the designated Contribution Type)
(Choose one or more of (1) through (8) as applicable):   [Note: For this
Election 14, unless described otherwise in Election 14(b)(8)), or the context
otherwise requires, Elective Deferrals includes Pre-Tax Deferrals, Roth Elective
Deferrals and Employee Contributions, Matching includes all Matching
Contributions (except Safe Harbor Matching Contributions under Section
3.05(E)(3) and Operational QMACs under Section 3.03(C)(2)) and Nonelective
includes all Nonelective Contributions (except Safe Harbor Nonelective
Contributions under Section 3.05(E)(2) and Operational QNECs under Section
3.04(C)(2)). Safe Harbor includes Safe Harbor Nonelective and Safe Harbor
Matching Contributions. If the Employer elects more than one Year of Service as
to Additional Matching, the Plan will not satisfy the ACP test safe harbor. See
Section 3.05(F)(3).]                 (1)   (2) (3) (4) (5)             All  
Elective     Safe             Contributions   Deferrals Matching Nonelective
Harbor   (1) [   ] None. Entry on the Employment N/A   [   ] [   ] [   ] [   ]  
  Commencement Date (if that date (See Election               is also an Entry
Date) or if later, upon 14(a))               the next following Plan Entry Date.
              (2) [   ] Age ____ (not to exceed age 21). [   ] OR [   ] [   ]
[   ] [   ]   (3) [   ] One Year of Service. See Election 16(a). [   ] OR [   ]
[   ] [   ] [   ]   (4) [   ] Two Years of Service (without an intervening N/A  
N/A [   ] [   ] N/A     Break in Service). 100% vesting is required.            
    [Note: Two Years of Service does not apply to                 Elective
Deferrals, Safe Harbor Contributions                 or SIMPLE Contributions.]  
            (5) [   ] month(s) (not exceeding 12 months [   ] OR [   ] [   ]
[   ] [   ]     for Elective Deferrals, Safe Harbor Contributions              
and SIMPLE Contributions and not exceeding 24               months for other
contributions). If more than 12               months, 100% vesting is required.
Service need               not be continuous (no minimum Hours of Service      
        required, and is mere passage of time).               (6) [   ] month(s)
with at least______________ Hours [   ] OR [   ] [   ] [   ] [   ]     of
Service in each month (not exceeding 12                 months for Elective
Deferrals, Safe Harbor                 Contributions and SIMPLE Contributions
and                 not exceeding 24 months for other contributions).          
    If more than 12 months, 100% vesting is required.               If the
Employee does not complete the designated               Hours of Service each
month during the specified               monthly time period, the Employee is
subject to                 the one Year of Service (or two Years of Service    
          if elect more than 12 months) requirement with                 1,000
Hours of Service per Year of Service. The                 months during which
the Employee completes the               specified Hours of Service (Choose one
of a. or b.):               a. [   ]    Consecutive. Must be consecutive.      
          b. [   ]    Not consecutive. Need not be consecutive.

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Nonstandardized 401(k) Plan

    (7) [   ] ____ Hours of Service within the __________ [   ] OR [   ] [   ]
[   ] [   ]       time period following the Employee's Employment              
  Commencement Date (not exceeding 12 months for                 Elective
Deferrals, Safe Harbor Contributions and                 SIMPLE Contributions
and not exceeding 24 months                 for other contributions). If more
than 12 months,                 100% vesting is required. If the Employee does
not                 complete the designated Hours of Service during the        
        specified time period (if any), the Employee is                 subject
to the one Year of Service (or two Years of                 Service if elect
more than 12 months) requirement                 with 1,000 Hours of Service per
Year of Service.             [Note: The Employer may complete the second blank
in Election 14(b)(7) with "N/A" if the Employer wishes to impose an Hour of
Service requirement without specifying a time period within which an Employee
must complete the required Hours of Service.]         (8) [X] Describe
eligibility conditions: Thirty days of service   [Note: The Employer may use
Election 14(b)(8) to describe different eligibility conditions as to different
Contribution Types or Employee groups (e.g., As to all Contribution Types, no
eligibility requirements for Division A Employees and one Year of Service as to
Division B Employees). The Employer also may elect different ages for different
Contribution Types and/or to specify different months or Hours of Service
requirements under Elections 14(b)(5), (b)(6), or (b)(7) as to different
Contribution Types. Any election must satisfy Code §410(a).]   15. SPECIAL
ELIGIBILITY EFFECTIVE DATE (DUAL ELIGIBILITY) (2.01(E)). The eligibility
conditions of Election 14 (Choose (a) or choose (b) and (c) as applicable):    
          (a) [X] No exceptions. Apply to all Employees. [Note: Elections 15(b)
or                     (c) may trigger a coverage failure under Code §410(b).]  
            (b) [   ] Waiver of eligibility conditions for certain Employees.
For all Contribution Types, apply solely to an Eligible Employee                
        __________________________________ employed or reemployed by the
Employer after           __________________________________ (specify date). If
the Eligible Employee was employed or                       reemployed by the
Employer by the specified date, the Employee will become a Participant on the
latest of: (i) the Effective     Date; (ii) the restated Effective Date; (iii)
the Employee's Employment Commencement Date or Re-Employment     Commencement
Date; or (iv) on the date the Employee attains age   (not exceeding age 21).    
  [Note: If the Employer does not wish to impose an age condition under clause
(iv) as part of the requirements for the eligibility conditions waiver, leave
the age blank.]               (c)   [   ] Describe special eligibility Effective
Date(s): ___________________________________   [Note: Under Election 15(c), the
Employer may describe special eligibility Effective Dates as to a Participant
group and/or Contribution Type (e.g., Eligibility conditions apply only as to
Nonelective Contributions and solely as to the Eligible Employees of Division B
who were hired or reemployed by the Employer after January 1, 2007).]   16. YEAR
OF SERVICE - ELIGIBILITY (2.02(A)). (Choose (a), (b), and (c) as applicable):  
[Note: If the Employer under Election 14 elects a one or two Year(s) of Service
condition (including any requirement which defaults to such conditions under
Elections 14(b)(6), (7), and (8)) or elects to apply a Year of Service for
eligibility under any other Adoption Agreement election, the Employer should
complete Election 16. The Employer should not complete Election 16 if it elects
the Elapsed Time Method for eligibility.]   (a)   [   ] Year of Service. An
Employee must complete ___ Hour(s) of Service during the relevant Eligibility
Computation Period to     receive credit for one Year of Service under Article
II. [Note: The number may not exceed 1,000. If left blank, the     requirement
is 1,000 Hours of Service. Under Elections 14(b)(6) and (b)(7) and under
Election 14(b)(8) if it incorporates     Elections 14(b)(6) or (7), the number
is 1,000 and the Employer should not supply any other number in the blank.]    
    (1)   [   ] Plan Year. The Plan Year, beginning with the Plan Year which
includes the first anniversary of the Employee's       Employment Commencement
Date.         (2)   [   ] Anniversary Year. The Anniversary Year, beginning with
the Employee's second Anniversary Year.         (3)   [   ] Split. The Plan Year
as described in Election 16(b)(1) as to: __________________ (describe
Contribution Type(s)) and       the Anniversary Year as described in Election
16(b)(2) as to: _________________(describe Contribution Type(s)).   [Note: To
maximize delayed entry under a two Years of Service condition for Nonelective
Contributions or Matching Contributions, the Employer should elect to remain on
the Anniversary Year for such contributions.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k) Plan

(c) I I Describe: ________________________________ (e.g., Anniversary Year as to
      Division A and Plan Year as to Division B.)   17. ENTRY DATE (2.02(D)).
Entry Date means the Effective Date and (Choose one or more of (a) through (f)
as applicable): [Note: For this Election 17, unless described otherwise in
Election 17(f), Elective Deferrals includes Pre-Tax Deferrals, Roth Elective
Deferrals and Employee Contributions, Matching includes all Matching
Contributions (except Operational QMACs under Section 3.03(C)(2)) and
Nonelective includes all Nonelective Contributions (except Operational QNECs
under Section 3.04(C)(2)). Entry as to Prevailing Wage Contributions is on the
Employment Commencement Date unless the Prevailing Wage Contract provides
otherwise. See Section 2.02(D).]                   (1)   (2) (3) (4)       All  
Elective           Contributions   Deferrals Matching Nonelective (a) [   ]
Semi-annual. The first day of the first month [   ] OR [   ] [   ] [   ]     and
of the seventh month of the Plan Year.             (b) [   ] First day of Plan
Year [   ] OR [   ] [   ] [   ]   (c) [   ] First day of each Plan Year quarter
[   ] OR [   ] [   ] [   ]   (d) [X] The first day of each month [X] OR [   ]
[   ] [   ]                 (e) [   ] Immediate. Upon Employment Commencement
Date [   ] OR [   ] [   ] [   ]     or if later, upon satisfaction of
eligibility conditions.             (f) [   ] Describe Entry Date(s):
_______________             [Note: Under Election 17(f), the Employer may
describe Entry Dates from the elections available under Elections 17(a) through
(e), or a combination thereof as to a Participant group and/or Contribution Type
or may elect additional Entry Dates (e.g., As to Matching Contributions
excluding Additional Matching, immediate as to Division A Employees and
semi-annual as to Division B Employees OR the earlier of the Plan's semi-annual
Entry Dates or the entry dates under the Employer's medical plan).]       18.
PROSPECTIVE/RETROACTIVE ENTRY DATE (2.02(D)). An Employee after satisfying the
eligibility conditions in Election   14 will become a Participant (unless an
Excluded Employee under Election 8) on the Entry Date (if employed on that date)
(Choose one or more of (a) through (f) as applicable):             [Note: Unless
otherwise excluded under Election 8, an Employee who remains employed by the
Employer on the relevant date must become a Participant by the earlier of: (i)
the first day of the Plan Year beginning after the date the Employee completes
the age and service requirements of Code §410(a); or (ii) 6 months after the
date the Employee completes those requirements. For this Election 18, unless
described otherwise in Election 18(f), Elective Deferrals includes Pre-Tax
Deferrals, Roth Deferrals and Employee Contributions, Matching includes all
Matching Contributions (except Operational QMACs under Section 3.03(C)(2)) and
Nonelective includes all Nonelective Contributions, (except Operational QNECs
under Section 3.04(C)(2)).]               (1)   (2) (3) (4)       All   Elective
        Contributions   Deferrals Matching Nonelective   (a) [X] Immediately
following or coincident with the date [X] OR [   ] [   ] [   ]     the Employee
completes the eligibility conditions.             (b) [   ] Immediately
following the date the Employee [   ] OR [   ] [   ] [   ]     completes the
eligibility conditions.             (c) [   ] Immediately preceding or
coincident with the date N/A   N/A [   ] [   ]     the Employee completes the
eligibility conditions.             (d) [   ] Immediately preceding the date the
Employee N/A   N/A [   ] [   ]     completes the eligibility conditions.        
    (e) [   ] Nearest the date the Employee completes the N/A   N/A [   ] [   ]
    eligibility conditions.             (f) [   ] Describe
retroactive/prospective entry relative to Entry Date:
______________________________________   [Note: Under Election 18(f), the
Employer may describe the timing of entry relative to an Entry Date from the
elections available under Elections 18(a) through (e), or a combination thereof
as to a Participant group and/or Contribution Type (e.g., As to Matching
Contributions excluding Additional Matching nearest as to Division A Employees
and immediately following as to Division B Employees).]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

19. BREAK IN SERVICE – PARTICIPATION (2.03). The one year hold-out rule
described in Section 2.03(C) (Choose one of (a), (b), or (c)):               (a)
  [X] Does not apply.               (b)   [   ] Applies. Applies to the Plan and
to all Participants.               (c)   [   ] Limited application. Applies to
the Plan, but only to a Participant who has incurred a Severance from
Employment.   [Note: The Plan does not apply the rule of parity under Code
§410(a)(5)(D) unless the Employer in Appendix B specifies otherwise. See Section
2.03(D).]                   ARTICLE III PLAN CONTRIBUTIONS AND FORFEITURES   20.
ELECTIVE DEFERRAL LIMITATIONS (3.02(A)). The following limitations apply to
Elective Deferrals under Elections 6(a) and 6(b), which are in addition to those
limitations imposed under the basic plan document (Choose (a) or choose (b) and
(c) as applicable):                       (a) IXI None. No additional Plan
imposed limits.               [Note: The Employer under Election 20 may not
impose a lower deferral limit applicable only to Catch-Up Eligible Participants
and the Employer's elections must be nondiscriminatory. The elected limits apply
to Pre-Tax Deferrals and to Roth Deferrals unless described otherwise. Under a
safe harbor plan: (i) NHCEs must be able to defer enough to receive the maximum
Safe Harbor Matching and Additional Matching Contribution under the plan and
must be permitted to defer any lesser amount; and (ii) the Employer may limit
Elective Deferrals to a whole percentage of Compensation or to a whole dollar
amount. See Section 1.54(C) as to administrative limitations on Elective
Deferrals.]               (b) [   ] Additional Plan limit(s). (Choose (1) and
(2) as applicable. Complete (3) if (1) or (2) is chosen):         (1)   [   ]
Maximum deferral amount. A Participant's Elective Deferrals may not
exceed:____________________ (specify             dollar amount or percentage of
Compensation).       (2)   [   ] Minimum deferral amount. A Participant's
Elective Deferrals may not be less than: ________________ (specify dollar amount
or percentage of Compensation).       (3)   Application of limitations. The
Election 20(b)(1) and (2) limitations apply based on Elective Deferral
Compensation         described in Elections 9 – 11. If the Employer elects Plan
Year/Participation Compensation under column (1) and in Election 10 elects
Participating Compensation, in the Plan Years commencing after an Employee
becomes a Participant, apply the elected minimum or maximum limitations to the
Plan Year. Apply the elected limitation based on such Compensation during the
designated time period and only to HCEs as elected below. (Choose a. or choose
b. and c. as applicable. Under each of a., b. or c. choose one of (1) or (2).
Choose (3) if applicable):                                         (1) (2)   (3)
              Plan Year/Participating Payroll period   HCEs only              
Compensation                 a.   [   ] Both. Both limits   [   ]   [   ]  
[   ]                    under Elections 20(b)(1) and (2).                      
b.   [   ] Maximum limit. The maximum   [   ]   [   ]   [   ]            
       amount limit under Election 20(b)(1).                       c.   [   ]
Minimum limit. The minimum   [   ]   [   ]   [   ]                    amount
limit under Election 20(b)(2).               (c) [X] Describe Elective Deferral
limitation(s): The Employer reserves the right to establish, at any time, an
Elective Deferral         limitation for Highly Compensated Employees only.    
      [Note: Under Election 20(c), the Employer: (i) may describe limitations on
Elective Deferrals from the elections available under Elections 20(a) and (b) or
a combination thereof as to a Participant group (e.g., No limit applies to
Division A Employees. Division B Employees may not defer in excess of 10% of
Plan Year Compensation); (ii) may elect a different time period to which the
limitations apply; and/or (iii) may apply a different limitation to Pre-Tax
Deferrals and to Roth Deferrals.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

21. AUTOMATIC DEFERRAL (3.02(B)). The Automatic Deferral provisions of Section
3.02(B) (Choose one of (a) or (b)): (a)   [   ] Do not apply.     (b)   [X]
Apply. The Automatic Deferral Effective Date is: September 1, 2010 (specify
date). (Complete (1), (2), and (3). Choose         (4) as applicable):        
(1) Automatic Deferral Amount. The Employer, as to each Participant affected,
will withhold as the Automatic Deferral         Amount, 3% from the
Participant's Compensation each payroll period unless the Participant makes a
Contrary Election.     (2) Participants affected. The Automatic Deferral applies
to (Choose one of a., b., c., or d.):         a.   [   ]   All Participants. All
Participants, regardless of any prior Salary Reduction Agreement, unless and
until they make a Contrary Election after the Automatic Deferral Effective Date.
        b.   [   ]   Election of at least Automatic Deferral amount. All
Participants, except those who have in effect a Salary                 Reduction
Agreement on the Automatic Deferral Effective Date provided that the Elective
Deferral amount under the Agreement is at least equal to the Automatic Deferral
Amount.         c.   [   ]   No existing Salary Reduction Agreement. All
Participants, except those who have in effect a Salary Reduction Agreement on
the Automatic Deferral Effective Date regardless of the Elective Deferral amount
under the Agreement.         d.   [X]   New Participants. Each Employee whose
Entry Date is on or following the Automatic Deferral Effective Date.     (3)
Scheduled increases. The Automatic Deferral Amount will or will not increase (as
a percentage of Compensation) in Plan         Years following the Plan Year
containing the Automatic Deferral Effective Date (or, if later, the Plan Year in
which the         Automatic Deferral first applies to a Participant) as follows
(Choose one of a., b., or c.):         a.   [X] No scheduled increase. The
Automatic Deferral Amount applies in all Plan Years.         b.   [   ]
Scheduled increase. The Automatic Deferral Amount will increase as follows:    
            Plan Year of application to a Participant   Automatic Deferral
Amount                

--------------------------------------------------------------------------------

                            1   3%                                   
            2   3%                                                3  
4%                                                4   5%                       
                        5 and thereafter   6%                            c.  
[   ] Other scheduled increase. The Automatic Deferral Amount will increase as
follows:                 Plan Year of application to a Participant   Automatic
Deferral Amount                

--------------------------------------------------------------------------------

 

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                    _____%                                       
_____%                                        _____%                           
            _____%                                       
_____%                          (4) [X] Describe Automatic Deferral: The
Automatic Deferral provisions will also apply to rehires. [Note: Under Election
21(b)(4), the Employer may describe Automatic Deferral provisions from the
elections available under Election 21 and/or a combination thereof as to a
Participant group (e.g., Automatic Deferrals do not apply to Division A
Employees. All Division B Employee/Participants are subject to an Automatic
Deferral Amount equal to 3% of Compensation effective as of January 1, 2008).]  
22. CODA (3.02(C)). The CODA provisions of Section 3.02(C) (Choose one of (a) or
(b)): (a)   [X] Do not apply.     (b)   [   ] Apply. For each Plan Year for
which the Employer makes a designated CODA contribution under Section 3.02(C), a
        Participant may elect to receive directly in cash not more than the
following portion (or, if less, the Elective Deferral Limit) of         his/her
proportionate share of that CODA contribution (Choose one of (1) or (2)):    
(1)   [   ] All or any portion.         (2)   [   ] _____%       23. CATCH-UP
DEFERRALS (3.02(D)). A Catch-Up Eligible Participant (Choose one of (a) or (b)):
(a)   [X] Permitted. May make Catch-Up Deferrals to the Plan.     (b)   [   ]
Not Permitted. May not make Catch-Up Deferrals to the Plan.

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

24. MATCHING CONTRIBUTIONS (EXCLUDING SAFE HARBOR MATCH AND ADDITIONAL MATCH
UNDER SECTION 3.05) (3.03(A)). The Employer Matching Contributions under
Election 6(c) are subject to the following additional elections regarding type
(discretionary/fixed), rate/amount, limitations and time period (collectively,
such elections are "the matching formula") and the allocation of Matching
Contributions is subject to Section 3.06 except as otherwise provided (Choose
one or more of (a) through (g) as applicable; then, for the elected match,
complete (1), (2), and/or (3) as applicable. If the Employer completes (2) or
(3), also complete one of (4), (5), or (6)):                              
[Note: If the Employer wishes to make any Matching Contributions that satisfy
the ADP or ACP safe harbor, the Employer should make these Elections under
Election 30, and not under this Election 24.]                               (1)
      (2)   (3)   (4)   (5)   (6)                     Limit on           Apply  
Apply             Match       Deferrals   Limit on   Apply   limit(s) per  
limit(s) per             Rate/Amt       Matched   Match Amount   limit(s) per  
payroll   designated             I$/% of Elective       I$/% of   I$/% of   Plan
Year   period Ino   time period             DeferralsI       CompensationI  
CompensationI   I"true-up"I   "true-up"I   Ino"true-up"I   (a)   [X]
Discretionary – see                   [   ]   [   ]   [X]           Section
1.34(B) (The                         Quarterly,           Employer may, but is  
                      but the           not required to                        
Employer           complete (a)(1)-(6).                         reserves the    
      See the "Note"                         right to           following
Election 24.)                         perform a                                
    match "tru-                                     up"                        
            calculation                                     for the Plan        
                            Year. (b)   [   ] Fixed– uniform                    
                  rate/amount                   [   ]   [   ]   [   ] _____  
(c)   [   ] Fixed – tiered   Elective   Matching   _________   ________[   ]    
  [   ]   [   ] _____             Deferral %   Rate                            
    _____%   _____%                                 _____%   _____%            
                    _____%   _____%                                 _____%  
_____%                       (d)   [   ] Fixed– Years of   Years   Matching  
_________   ________[   ]       [   ]   [   ] _____     Service   of Service  
Rate                                                                   _______  
______%                                                                      
_______   ______%                                                              
                                              _______   ______%                
                                                      _______   ______%        
                  (1) "Years of Service" under this Election 24(d) means (Choose
one of a. or b.):                 a.   [   ] Eligibility. Years of Service for
eligibility in Election 16.                       b.   [   ] Vesting. Years of
Service for vesting in Elections 42 and 43.               (e)   [   ] Fixed–
multiple   Formula 1:               [   ]   [   ]   [   ] _____    
       formulas                                                                
      Formula 2:               [   ]   [   ]   [   ] _____                

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                          Formula 3:               [   ]   [   ]   [   ] _____  
             

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              (f)   [   ] Related and Participating Employers. If any Related
and Participating Employers contribute Matching Contributions to the     Plan,
the following apply (Complete (1) and (2)):                           (1)
Matching formula. The matching formula for the Participating Employer(s) (Choose
one of a. or b.):               a.   [   ] All the same. Is (are) the same as
for the Signatory Employer under this Election 24.               b.   [   ] At
least one different. Is (are) as follows: _______________________________.      
(2) Allocation sharing. The Plan Administrator will allocate the Matching
Contributions made by the Signatory Employer and by           any Participating
Employer (Choose one of a. or b.):                           a.   [   ] Employer
by Employer. Only to the Participants directly employed by the contributing
Employer.    

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        b.   [   ] Across Employer lines. To all Participants regardless of
which Employer directly employs them and regardless of whether their direct
Employer made Matching Contributions for the Plan Year.   [Note: The Employer
should not elect 24(f) unless there are Related Employers which are also
Participating Employers. See Section 1.23(D).]   (g) [   ] Describe:
_______________________________________________________________________(e.g., A
Discretionary              Matching Contribution applies to Division A
Participants. A Fixed Matching Contribution equal to 50% of Elective Deferrals
             not exceeding 6% of Plan Year Compensation applies to Division B
Participants.)   [Note: See Section 1.34(A) as to Fixed Matching Contributions.
A Participant's Elective Deferral percentage is equal to the Participant's
Elective Deferrals divided by his/her Compensation. The matching rate/amount is
the specified rate/amount of match for the corresponding Elective Deferral
amount/percentage. Any Matching Contributions apply to Pre-Tax Deferrals and to
Roth Deferrals unless described otherwise in Election 24(g). Matching
Contributions for nondiscrimination testing purposes are subject to the
targeting limitations. See Section 4.10(D). The Employer under Election 24(a) in
its discretion may determine the amount of a Discretionary Matching Contribution
and the matching contribution formula. Alternatively, the Employer in Election
24(a) may specify the Discretionary Matching Contribution formula.]   25. QMAC
(PLAN-DESIGNATED) (3.03(C)(1)). The following provisions apply regarding
Plan-Designated QMACs (Choose one of (a) or (b)):                          
[Note: Regardless of its elections under this Election 25, the Employer under
Section 3.03(C)(2) may elect for any Plan Year where the Plan is using Current
Year Testing to make Operational QMACs which the Plan Administrator will
allocate only to NHCEs for purposes of correction of an ADP or ACP test
failure.]               (a)   [X] Not applicable. There are no Plan-Designated
QMACs.         (b)   [   ] Applies. There are Plan-Designated QMACs to which the
following provisions apply (Complete (1) and (2)):     (1) Matching
Contributions affected. The following Matching Contributions (as allocated to
the designated allocation group         under Election 25(b)(2)) are
Plan-Designated QMACs (Choose one of a. or b.):                 a.   [   ] All.
All Matching Contributions.                     b.   [   ] Designated. Only the
following Matching Contributions under Election 24:   .     (2) Allocation
Group. Subject to Section 3.06, allocate the Plan-Designated QMAC (Choose one of
a. or b.):         a.   [   ] NHCEs only. Only to NHCEs who make Elective
Deferrals subject to the Plan-Designated QMAC.         b.   [   ] All
Participants. To all Participants who make Elective Deferrals subject to the
Plan-Designated QMAC. The Plan Administrator will allocate all other Matching
Contributions as Regular Matching Contributions under Section 3.03(B), except as
provided in Sections 3.03(C)(2) or 3.05.       [Note: See Section 4.10(D) as to
targeting limitations applicable to QMAC nondiscrimination testing.]       26.
MATCHING CATCH-UP DEFERRALS (3.03(D)). If a Participant makes a Catch-Up
Deferral, the Employer (Choose one of (a) or (b)):           (a) [X] Match. Will
apply to the Catch-Up Deferral (Choose one of (1) or (2)):                      
            (1)   [X] All. All Matching Contributions.                          
(2)   [   ] Designated. The following Matching Contributions in Election 24:
_________________________________.               (b) [   ] No Match. Will not
match any Catch-Up Deferrals.               [Note: Election 26 does not apply to
a safe harbor 401(k) plan unless the Employer will apply the ACP test. See
Elections 37(a)(2)b. and 37(a)(2)c.(ii). In this case, Election 26 applies only
to Additional Matching, if any. A safe harbor 401(k) Plan will apply the Basic
Match or Enhanced Match to Catch-Up Deferrals. If the Employer elects to apply
the ACP test safe harbor under Election 37(a)(2)a. or 37(a)(2)c.(i), Election 26
does not apply and the Plan also will apply any Additional Match to Catch-Up
Deferrals.]   27. NONELECTIVE CONTRIBUTIONS (TYPE/AMOUNT) INCLUDING PREVAILING
WAGE CONTRIBUTIONS (3.04(A)). The Employer Nonelective Contributions under
Election 6(d) are subject to the following additional elections as to type and
amount (Choose one or more of (a) through (e) as applicable):                  
            (a)   [   ] Discretionary. An amount the Employer in its sole
discretion may determine.                       (b)   [   ] Fixed. (Choose one
or more of (1), (2), and (3) as applicable):                           (1)  
[   ] Uniform %._______% of each Participant's Compensation, per
________________ (e.g., Plan Year, month).                       (2)   [   ]
Fixed dollar amount. $ ______, per __________(e.g., Plan Year, month, HOS, per
Participant per month).                                   (3)   [   ] Describe:
__________________________________(specify time period, e.g., per        
       Plan Year quarter. If not specified, the time period is the Plan Year).

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[Note: The Employer under Election 27(b)(3) may specify any Fixed Nonelective
Contribution formula not described under Elections 27(b)(1) or (2) (e.g., For
each Plan Year, 2% of net profits exceeding $50,000) and/or the Employer may
describe different Fixed Nonelective Contributions as applicable to different
Participant groups (e.g., A Fixed Nonelective Contribution equal to 5% of Plan
Year Compensation applies to Division A Participants and a Fixed Nonelective
Contribution equal to $500 per Participant each Plan Year applies to Division B
Participants).]   (c) [   ] Prevailing Wage Contribution. The Prevailing Wage
Contribution amount(s) specified for the Plan Year or other applicable    
period in the Employer's Prevailing Wage Contract(s). The Employer will make a
Prevailing Wage Contribution only to     Participants covered by the Contract
and only as to Compensation paid under the Contract. If the Participant accrues
an     allocation of Employer Contributions (including forfeitures) under the
Plan or any other Employer plan in addition to the     Prevailing Wage
Contribution, the Plan Administrator will (Choose one of (1) or (2)):   (1)  
[   ] No offset. Not reduce the Participant's Employer Contribution allocation
by the amount of the Prevailing Wage         Contribution.           (2)   [   ]
Offset. Reduce the Participant's Employer Contribution allocation by the amount
of the Prevailing Wage Contribution.   (d) [   ] Related and Participating
Employers. If any Related and Participating Employers contribute Nonelective
Contributions to     the Plan, the contribution formula(s) (Choose one of (1) or
(2)):   (1)   [   ] All the same. Is (are) the same as for the Signatory
Employer under this Election 27.   (2)   [   ] At least one different. Is (are)
as follows:   .   [Note: The Employer should not elect 27(d) unless there are
Related Employers which are also Participating Employers. See Section 1.23(D).
The Employer electing 27(d) also must complete Election 28(g) as to the
allocation methods which apply to the Participating Employers.]   (e) [   ]
Describe:              

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  [Note: Under Election 27(e), the Employer may describe the amount and type of
Nonelective Contributions from the elections available under Election 27 and/or
a combination thereof as to a Participant group (e.g., A Discretionary
Nonelective Contribution applies to Division A Employees. A Fixed Nonelective
Contribution equal to 5% of Plan Year Compensation applies to Division B
Employees).]   28. NONELECTIVE CONTRIBUTION ALLOCATION (3.04(B)). The Plan
Administrator, subject to Section 3.06, will allocate to each Participant any
Nonelective Contribution (excluding QNECs) under the following contribution
allocation formula (Choose one or more of (a) through (h) as applicable):      
    (a) [   ] Pro rata. As a uniform percentage of Participant Compensation.  
(b) [   ] Permitted disparity. In accordance with the permitted disparity
allocation provisions of Section 3.04(B)(2), under which the     following
permitted disparity formula and definition of "Excess Compensation" apply
(Complete (1) and (2)):                (1) Formula (Choose one of a. or b.):    
          a.   [   ] Two-tiered.               b.   [   ] Four-tiered.          
             (2) Excess Compensation. For purposes of Section 3.04(B)(2),
"Excess Compensation" means Compensation in excess of     (Choose one of a. or
b.):               a.   [   ] Percentage amount. ____ % (not exceeding 100%) of
the taxable wage base in effect on the first day of the Plan             Year,
rounded to the next highest $____ (not exceeding the taxable wage base).      
b.   [   ] Dollar amount. The following amount: $ ____ (not exceeding the
taxable wage base in effect on the first day of             the Plan Year).    
      (c) [   ] Incorporation of contribution formula. The Plan Administrator
will allocate any Fixed Nonelective Contribution under     Elections 27(b),
27(d), or 27(e), or any Prevailing Wage Contribution under Election 27(c), in
accordance with the contribution     formula the Employer adopts under those
Elections.       (d) [   ] Classifications of Participants. In accordance with
the classifications allocation provisions of Section 3.04(B)(3). The    
classifications are (Choose one of (1), (2), or (3)):       [Note: Typically,
the Employer would elect 28(d) where it intends to satisfy nondiscrimination
requirements using "cross-testing" under Treas. Reg. §1.401(a)(4)-8. However,
choosing this election does not necessarily require application of cross-testing
and the Plan may be able to satisfy nondiscrimination as to its
classification-based allocations by testing allocation rates.]           (1)  
[   ]   Each in own classification. Each Participant constitutes a separate
classification. (2)   [   ]   NHCEs/HCEs. Nonhighly Compensated
Employee/Participants and Highly Compensated Employee/Participants. (3)   [   ]
  Describe the classifications:                  

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[Note: Any classifications under Election 28(d) must result in a definitely
determinable allocation under Treas. Reg. §1.401-1(b)(1)(ii) and must constitute
a reasonable classification within the meaning of Treas. Reg. §1.410(b)-4(b).
The number of allocation rates is subject to the limitations in Section
3.04(B)(3)(b). Standard interest and mortality assumptions under Treas. Reg.
§1.401(a)(4)-12 apply. In the case of a self-employed Participant, the
requirements of Treas. Reg. §1.401(k)-1(a)(6) apply and the allocation method
should not result in a cash or deferred election for the self-employed
Participant. The Employer by the due date of its tax return (including
extensions) must advise the Plan Administrator or Trustee in writing as to the
allocation rate applicable to each Participant under Election 28(d)(1) or
applicable to each classification under Elections 28(d)(2) or (3) for the
allocation Plan Year. Under Election 28(d)(1), the Employer may decide from year
to year the classification (allocation rate) applicable to each Participant,
without the need to amend the Plan to change the classification.]   (e) [   ]
Age-based. In accordance with the age-based allocation provisions of Section
3.04(B)(5). The Plan Administrator will use the     Actuarial Factors based on
the following assumptions (Complete both (1) and (2)):       (1)   Interest
rate. (Choose one of a., b., or c.):               a. [   ] 7.5%   b. [   ] 8.0%
  c. [   ] 8.5%       (2)   Mortality table. (Choose one of a. or b.):          
    a.   [   ] UP-1984. See Appendix D.               b.   [   ] Alternative:
_____________ (Specify 1983 GAM, 1983 IAM, 1971 GAM or 1971 IAM and attach      
          applicable tables using such mortality table and the specified
interest rate as replacement Appendix D.)       (f) [   ] Uniform points. In
accordance with the uniform points allocation provisions of Section 3.04(B)(6).
Under the uniform points         allocation formula, a Participant receives
(Choose one or both of (1) and (2). Choose (3) if applicable):       (1) [   ]
Years of Service. _____ point(s) for each Year of Service. The maximum number of
Years of Service counted   for points is _________ .       "Year of Service"
under this Election 28(f) means (Choose one of a. or b.):           a.   [   ]
Eligibility. Years of Service for eligibility in Election 16.           b.  
[   ] Vesting. Years of Service for vesting in Elections 42 and 43.          
[Note: A Year of Service must satisfy Treas. Reg. §1.401(a)(4)-11(d)(3) for the
uniform points allocation to qualify as a safe harbor allocation under Treas.
Reg. §1.401(a)(4)-2(b)(3).]       (2) [   ] Age.________ point(s) for each year
of age attained during the Plan Year.       (3) [   ] Compensation. ________
point(s) for each $ ______(not to exceed $200) increment of Plan Year
Compensation.   (g) [   ] Related and Participating Employers. If any Related
and Participating Employers contribute Nonelective Contributions     to the
Plan, the Plan Administrator will allocate the Nonelective Contributions made by
the Participating Employer(s) under     Election 27(d) (Complete (1) and (2)):  
                 (1) Allocation Method. (Choose one of a. or b.):              
a.   [   ] All the same. Using the same allocation method as applies to the
Signatory Employer under this Election 28.       b.   [   ] At least one
different. Under the following allocation method(s):   .            (2)
Allocation sharing. The Plan Administrator will allocate the Nonelective
Contributions made by the Signatory Employer     and by any Participating
Employer (Choose one of a. or b.):           a.   [   ] Employer by Employer.
Only to the Participants directly employed by the contributing Employer.        
  b.   [   ] Across Employer lines. To all Participants regardless of which
Employer directly employs them and regardless           of whether their direct
Employer made Nonelective Contributions for the Plan Year.       [Note: The
Employer should not elect 28(g) unless there are Related Employers which are
also Participating Employers. See Section 1.23(D) and Election 27(d). If the
Employer elects 28(g)(2)a., the Employer should also elect 11(b)(8)b., to
disregard the Compensation paid by "Y" Participating Employer in determining the
allocation of the "X" Participating Employer contribution to a Participant (and
vice versa) who receives Compensation from both X and Y. If the Employer elects
28(g)(2)b., the Employer should not elect 11(b)(8)b. Election 28(g)(2)a. does
not apply to Safe Harbor Nonelective Contributions.]   (h) [   ] Describe:      
           

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    (e.g., Pro rata as to Division A Participants and Permitted Disparity
(two-tiered at 100% of the SSTWB) as to Division B Participants.)

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29. QNEC (PLAN-DESIGNATED) (3.04(C)(1)). The following provisions apply
regarding Plan-Designated QNECs (Choose one of (a) or (b)):                  
[Note: Regardless of its elections under this Election 29, the Employer under
Section 3.04(C)(2) may elect for any Plan Year where the Plan is using Current
Year Testing to make Operational QNECs which the Plan Administrator will
allocate only to NHCEs for purposes of correction of an ADP or ACP test
failure.]           (a)   [   ] Not applicable. There are no Plan-Designated
QNECs.       (b)   [   ] Applies. There are Plan-Designated QNECs to which the
following provisions apply (Complete (1), (2), and (3)):       (1) Nonelective
Contributions affected. The following Nonelective Contributions (as allocated to
the designated allocation group           under Election 29(b)(2)) are
Plan-Designated QNECs (Choose one of a. or b.):           a.   [   ] All. All
Nonelective Contributions.               b.   [   ] Designated. Only the
following Nonelective Contributions under Election 27: __________________ .    
  (2) Allocation Group. Subject to Section 3.06, allocate the Plan-Designated
QNEC (Choose one of a. or b.):       a.   [   ] NHCEs only. Only to NHCEs under
the method elected in Election 29(b)(3).           b.   [   ] All Participants.
To all Participants under the method elected in Election 29(b)(3).       (3)
Allocation Method. The Plan Administrator will allocate a Plan-Designated QNEC
using the following method (Choose           one of a., b., c., or d.):        
      a.   [   ] Pro rata.               b.   [   ] Flat dollar.              
c.   [   ] Reverse. See Section 3.04(C)(3).               d.   [   ] Describe:  
                   

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[Note: Any allocation method the Employer elects under Election 29(b)(3)d. must
be definitely determinable. See Section 4.10(D) as to targeting limitations
applicable to QNEC nondiscrimination testing.]       30. SAFE HARBOR 401(k) PLAN
(SAFE HARBOR CONTRIBUTIONS/ADDITIONAL MATCHING CONTRIBUTIONS) (3.05). The
Employer under Election 6(e) will (or in the case of the Safe Harbor Nonelective
Contribution may) contribute the following Safe Harbor Contributions described
in Section 3.05(E) and will or may contribute Additional Matching Contributions
described in Section 3.05(F) (Choose one of (a), (b), (c), or (d) when and as
applicable. Complete (e) and (h). Choose (f), (g), and (i) as applicable):      
    (a)   [   ] Safe Harbor Nonelective Contribution. The Safe Harbor
Nonelective Contribution equals   % of a Participant's     Compensation [Note:
The amount in the blank must be at least 3%. The Safe Harbor Nonelective
Contribution applies toward     (offsets) most other Employer Nonelective
Contributions. See Section 3.05(E)(11).]       (b)   [   ] Safe Harbor
Nonelective Contribution/delayed year-by-year election (maybe and supplemental
notices). In connection     with the Employer's provision of the maybe notice
under Section 3.05(I)(1), the Employer elects into safe harbor status by giving
    the supplemental notice and by making this Election 30(b) to provide for a
Safe Harbor Nonelective Contribution equal to     _______________% (specify
amount at least equal to 3%) of a Participant's Compensation. This Election
30(b) and safe harbor     status applies for the Plan Year ending:
________________ (specify Plan Year end), which is the Plan Year to which the  
  Employer's maybe and supplemental notices apply.           [Note: If the
Employer makes a delayed election into safe harbor status under Section
3.05(I)(1), the Employer must amend the Plan to provide for a Safe Harbor
Nonelective Contribution equal to at least 3% of each Participant's
Compensation. The Employer may make this amendment by substitute Adoption
Agreement page (electing Election 30(b)) or by another form of amendment under
Section 11.02(B). An Employer using the maybe notice should not elect a Safe
Harbor Nonelective Contribution under Election 30(a) unless the Employer intends
to continue safe harbor status under this election in the subsequent Plan Year.
By making its amendment into safe harbor status under Election 30(b), the
Employer avoids the need to further amend the Plan if the Employer is not
certain that it will apply the safe harbor in the subsequent Plan Year. By
contrast, an Employer which gave the maybe notice and has decided to make the
Safe Harbor Nonelective Contribution for that year and for future years should
use Election 30(a). The Employer only elects 30(a) and should not elect 30(b) if
prior to the Plan Year the Employer unequivocally decides to elect safe harbor
status for the Plan Year and provides a safe harbor notice consistent with this
election rather than giving the maybe notice. If the Employer gives the maybe
notice and the Employer will or may make Matching Contributions, the Employer
should elect Additional Matching under Election 30(h)(and should not elect
Matching Contributions under Election 24) if it wishes to avoid ACP testing.]

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(c) [   ] Basic Matching Contribution. A Matching Contribution equal to 100% of
each Participant's Elective Deferrals not exceeding     3% of the Participant's
Compensation, plus 50% of each Participant's Elective Deferrals in excess of 3%
but not in excess of5%     of the Participant's Compensation. See Sections
1.34(E) and 3.05(E)(4). (Complete (1)):               (1) Time period. For
purposes of this Election 30(c), "Compensation" and "Elective Deferrals" mean
Compensation and Elective     Deferrals for: . [Note: The Employer must complete
the blank line with the applicable time period     for computing the Basic
Match, such as "each payroll period," "each calendar month," "each Plan Year
quarter" or "the Plan     Year."]               (d) [   ] Enhanced Matching
Contribution. See Sections 1.34(F) and 3.05(E)(5). (Choose one of (1) or (2) and
complete (3) for any         election):               (1)   [   ] Uniform
percentage. A Matching Contribution equal to _____% of each Participant's
Elective Deferrals but not as to         Elective Deferrals exceeding_______ %
of the Participant's Compensation.       (2)   [   ] Tiered formula. A Matching
Contribution equal to the specified matching rate for the corresponding level of
each             Participant's Elective Deferral percentage. A Participant's
Elective Deferral percentage is equal to the Participant's Elective Deferrals
divided by his/her Compensation.               Elective Deferral Percentage  
Matching Rate            

--------------------------------------------------------------------------------

 

--------------------------------------------------------------------------------

              ______%   ____________________%             ______%  
____________________%             ______%   ____________________%       (3)  
Time period. For purposes of this Election 30(d), "Compensation" and "Elective
Deferrals" mean Compensation and Elective     Deferrals for: _______________ .
[Note: The Employer must complete the blank line with the applicable time period
    for computing the Enhanced Match, such as "each payroll period," "each
calendar month," "each Plan Year quarter" or "the Plan Year."]   [Note: The
matching rate may not increase as the Elective Deferral percentage increases and
the Enhanced Matching formula otherwise must satisfy the requirements of Code
§§401(k)(12)(B)(ii) and (iii). If the Employer elects to satisfy the ACP safe
harbor under Election 37(a)(2)a., the Employer also must limit Elective
Deferrals taken into account for the Enhanced Matching Contribution to a maximum
of 6% of Plan Year Compensation.]               (e) Participants who will
receive Safe Harbor Contributions. The allocation of Safe Harbor Contributions
(Choose one of (1), (2), or (3)):       (1)   [   ]   Applies to all
Participants. Applies to all Participants except as may be limited under
Election 30(f).                   (2)   [   ]   NHCEs only. Is limited to NHCE
Participants only and may be limited further under Election 30(f). No HCE will  
          receive a Safe Harbor Contribution allocation.           (3)   [   ]  
NHCEs and designated HCEs. Is limited to NHCE Participants and to the following
HCE Participants and may be         limited further under Election 30(f):      
.              

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    [Note: Any HCE allocation group the Employer describes under Election
30(e)(3) must be definitely determinable. (e.g., Division "A" HCEs OR HCEs who
own more than 5% of the Employer without regard to attribution rules).]   (f)
[   ] Early Elective Deferrals/delay of Safe Harbor Contribution. The Employer
may elect this Election 30(f) only if the Employer     in Election 14 elects
eligibility requirements for Elective Deferrals of less than age 21 and one Year
of Service but elects age 21 and one Year of Service for Safe Harbor Matching or
for Safe Harbor Nonelective Contributions. The Employer under this Election
30(f) limits the allocation of any Safe Harbor Contribution under Election 30
for a Plan Year to those Participants: (i) who have attained age 21; (ii) who
have completed one Year of Service; and (iii) who the Plan Administrator in
applying the OEE rule described in Section 4.06(C), treats as benefiting in the
disaggregated plan covering the Includible Employees. Those Participants in the
Plan Year whom the Plan Administrator treats as Otherwise Excludable Employees
will not receive any Safe Harbor Contribution allocation and the Plan
Administrator will apply the ADP (and, as applicable the ACP) test(s) to the
disaggregated plan benefiting the Otherwise Excludable Employees. If the
Employer in Election 10(a)(2) has elected "Participating Compensation" for
allocating Elective Deferrals, Nonelective Contributions or Matching
Contributions (as relevant to the allocation under this Election 30 based on the
Contribution Type), the Plan Administrator, in allocating the Safe Harbor
Contribution for the Plan Year in which the Participant crosses over to the
Includible Employees group, will count Compensation and Elective Deferrals only
on and following the Cross-Over Date. See Section 3.05(D).                      
                        (g) [   ] Another plan. The Employer will make the Safe
Harbor Contribution to the following plan: _____________________________.

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Nonstandardized 401(k)

(h) Additional Matching Contributions. See Sections 1.34(G) and 3.05(F). (Choose
one of (1) or (2)):       (1)   [   ] No Additional Matching Contributions. The
Employer will not make any Additional Matching Contributions to its        
       safe harbor Plan.               (2)   [   ] Additional Matching
Contributions. The Employer will or may make the following Additional Matching  
             Contributions to its safe harbor Plan. (Choose a. and b. as
applicable):       a.   [   ] Fixed Additional Matching Contribution. The
following Fixed Additional Matching Contribution (Choose (i)                and
(ii) as applicable and complete (iii) for any election):               (i)  
[   ] Uniform percentage. A Matching Contribution equal to ____ % of each
Participant's Elective Deferrals but not as to Elective Deferrals exceeding
_______% of the Participant's Compensation.           (ii)   [   ] Tiered
formula. A Matching Contribution equal to the specified matching rate for the
corresponding level of each Participant's Elective Deferral percentage. A
Participant's Elective Deferral percentage is equal to the            
Participant's Elective Deferrals divided by his/her Compensation.              
Elective Deferral Percentage   Matching Rate            

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            _____%       _____________________%             _____%      
_____________________%             _____%       _____________________%          
(iii)   Time period. For purposes of this Election 30(h)(2)a., "Compensation"
and "Elective Deferrals" mean             Compensation and Elective Deferrals
for: __________________ . [Note: The Employer must complete the blank line with
the applicable time period for computing the Additional Match, e.g., "each
payroll period," "each calendar month," "each Plan Year quarter" OR "the Plan
Year." If the Employer elects a match under both (i) and (ii) and will apply a
different time period to each match, the Employer may indicate as such in the
blank line.]                                                       b. [   ]
Discretionary Additional Matching Contribution. The Employer may make a
Discretionary Additional             Matching Contribution. If the Employer
makes a Discretionary Matching Contribution, the Discretionary Matching
Contribution will not apply as to Elective Deferrals exceeding ___________ % of
the Participant's Compensation (complete the blank if applicable or leave
blank).                           [Note: If the Employer elects to satisfy the
ACP safe harbor under Election 37(a)(2)a. or 37(a)(2)c.(i), then as to any and
all Matching Contributions, including Fixed Additional Matching Contributions
and Discretionary Additional Matching Contributions: (i) the matching rate may
not increase as the Elective Deferral percentage increases; (ii) no HCE may be
entitled to a greater rate of match than any NHCE; (iii) the Employer must limit
Elective Deferrals taken into account for the Additional Matching Contributions
to a maximum of 6% of Plan Year Compensation; (iv) the Plan must apply all
Matching Contributions to Catch-Up Deferrals; and (v) in the case of a
Discretionary Additional Matching Contribution, the contribution amount may not
exceed 4% of the Participant's Plan Year Compensation.]   (i) [   ] Multiple
Safe Harbor Contributions in disaggregated Plan. The Employer elects to make
different Safe Harbor     Contributions and/or Additional Matching Contributions
to disaggregated parts of its Plan under Treas. Reg. §1.401(k)-     1(b)(4) as
follows: _________________________________________     (Specify contributions
for disaggregated plans, e.g., as to Collectively Bargained Employees a 3%
Nonelective Safe Harbor     Contribution applies and as to non-Collectively
Bargained Employees, the Basic Matching Contribution applies).   31. ALLOCATION
CONDITIONS (3.06(B)/(C)). The Plan does not apply any allocation conditions to:
(i) Elective Deferrals; (ii) Safe Harbor Contributions; (iii) commencing as of
the Final 401(k) Regulations Effective Date, Additional Matching Contributions
which will satisfy the ACP test safe harbor; (iv) Employee Contributions; (v)
Rollover Contributions; (vi) Designated IRA Contributions; (vii) SIMPLE
Contributions; or (viii) Prevailing Wage Contributions, except as may be
required by the Prevailing Wage Contract. To receive an allocation of Matching
Contributions, Nonelective Contributions or Participant forfeitures, a
Participant must satisfy the following allocation condition(s) (Choose one of
(a) or (b). Choose (c) if applicable):           (a)   [   ] No conditions. No
allocation conditions apply to Matching Contributions, to Nonelective
Contributions or to forfeitures.   (b)   [X] Conditions. The following
allocation conditions apply to the designated Contribution Type and/or
forfeitures (Choose one or     more of (1) through (7) as applicable):          
[Note: For this Election 31, except as the Employer describes otherwise in
Election 31(b)(7) or as provided in Sections 3.03(C)(2) and 3.04(C)(2) regarding
Operational QMACs and Operational QNECs, Matching includes all Matching
Contributions and Nonelective includes all Nonelective Contributions to which
allocation conditions may apply. The Employer under Election 31(b)(7) may not
impose an Hour of Service condition exceeding 1,000 Hours of Service in a Plan
Year.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k) Plan

            (1)       (2)   (3)   (4)             Matching,                    
        Nonelective                             andForfeitures       Matching  
Nonelective   Forfeitures (1)   [  ]   None.   N/A       [  ]   [  ]   [  ]    
        (See Election                             31(a))                        
                      (2)   [  ]   501 HOS/terminees (91 consecutive days if  
[  ]   OR   [  ]   [  ]   [  ]         Elapsed Time). See Section 3.06(B)(1)(b).
                                                  (3)   [  ]   Last day of the
Plan Year.   [  ]   OR   [  ]   [  ]   [  ]                               (4)  
[X]   Last day of the Election 31(c) time period.   [  ]   OR   [X]   [  ]  
[  ]                               (5)   [  ]   1,000 HOS in the Plan Year (182
consecutive   [  ]   OR   [  ]   [  ]             days in Plan Year if Elapsed
Time).                                                   (6)   [  ]   (specify)
HOS within the Election   [  ]   OR   [  ]   [  ]   [  ]        

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        31(c) time period, (but not exceeding 1,000 HOS                        
in a Plan Year).                                                   (7)   [  ]  
Describe conditions:                            

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        (e.g., Last day of the Plan Year as to Nonelective Contributions for
Participating Employer "A" Participants. No         allocation conditions for
Participating Employer "B" Participants).               (c) IXI Time period.
Under Section 3.06(C), apply Elections 31(b)(4), (b)(6) or (b)(7) to the
specified contributions/forfeitures               based on each (Choose one of
(1) through (5)):                                                   (1)   [  ]  
Plan Year   [  ]   OR   [  ]   [  ]   [  ] (2)   [X]   Plan Year quarter   [  ]
  OR   [X]   [  ]   [  ] (3)   [  ]   Calendar month   [  ]   OR   [  ]   [  ]  
[  ] (4)   [  ]   Payroll period   [  ]   OR   [  ]   [  ]   [  ] (5)   [  ]  
Describe time period:                            

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  [Note: If the Employer elects 31(b)(4) or (b)(6), the Employer must choose
(c). If the Employer elects 31(b)(7), choose (c) if applicable.]   32.
ALLOCATION CONDITIONS – APPLICATION/WAIVER/SUSPENSION (3.06(D)/(F)). Under
Section 3.06(D), in the event of Severance from Employment as described below,
apply or do not apply Election 31(b) allocation conditions to the specified
contributions/forfeitures as follows (If the Employer elects 31(b), the Employer
must complete Election 32. Choose one of (a) or (b). Complete (c)):            
              [Note: For this Election 32, except as the Employer describes
otherwise in Election 31(b)(7) or as provided in Sections 3.03(C)(2) and
3.04(C)(2) regarding Operational QMACs and Operational QNECs, Matching includes
all Matching Contributions and Nonelective includes all Nonelective
Contributions to which allocation conditions may apply.]                   (a)
[X] Total waiver or application. If a Participant incurs a Severance from
Employment on account of or following death,              Disability or
attainment of Normal Retirement Age (Choose one of (1) or (2)):                
              (1)   [X]    Do not apply. Do not apply elected allocation
conditions to Matching Contributions, to Nonelective Contributions or to    
         forfeitures.                                       (2)   [  ]    Apply.
Apply elected allocation conditions to Matching Contributions, to Nonelective
Contributions and to forfeitures.

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

                (1)       (2)   (3)   (4)                 Matching,            
                    Nonelective                                 and Forfeitures
      Matching   Nonelective   Forfeitures (b) [  ] Application/waiver as to
Contribution                                                           Types
events. If a Participant incurs a                             Severance from
Employment, apply allocation                             conditions except such
conditions are waived if                             Severance is on account of
or following death,                             Disability or attainment of
Normal Retirement                             Age as specified, and as applied
to the specified                             Contribution Types/forfeitures
(Choose (1), (2),                             and (3) as applicable):          
                                            (1)   [  ]   Death   [  ]   OR  
[  ]   [  ]   [  ]                                   (2)   [  ]   Disability  
[  ]   OR   [  ]   [  ]   [  ]                                   (3)   [  ]  
Normal Retirement Age   [  ]   OR   [  ]   [  ]   [  ]                          
    (c) Suspension. The suspension of allocation conditions of Section 3.06(F)
(Choose one of (1) or (2)):                                           (1) [X]
Applies. Applies as follows (Choose one of a., b., or c.):                      
                                a.   [  ] Both. Applies both to Nonelective
Contributions and to Matching Contributions.                                    
          b.   [  ] Nonelective. Applies only to Nonelective Contributions.    
                                                  c.   [X] Match. Applies only
to Matching Contributions.                                               (2)
[  ] Does not apply.                       33. FORFEITURE ALLOCATION METHOD
(3.07). The Plan Administrator will allocate a Participant forfeiture
attributable to all Contribution Types or attributable to all Nonelective
Contributions or to all Matching Contributions as follows (Choose one or more of
(a) through (g) as applicable. Choose (e) only in conjunction with at least one
other election):             [Note: Even if the Employer elects immediate
vesting, the Employer should   (1)       (2)   (3) complete Election 33. See
Section 7.07.]       All       Nonelective   Matching                    
Forfeitures       Forfeitures   Forfeitures (a)   [  ] Additional Nonelective.
Allocate as additional Discretionary   [  ]   OR   [  ]   [  ]    
      Nonelective Contribution.                                           (b)  
[  ] Additional Match. Allocate as additional Discretionary Matching   [  ]   OR
  [  ]   [  ]           Contribution.                                          
(c)   [  ] Reduce Nonelective. Apply to Nonelective Contribution.   [  ]   OR  
[  ]   [  ]                           (d)   [X] Reduce Match. Apply to Matching
Contribution.       [X]   OR   [  ]   [  ]                       (e)   [X] Plan
expenses. Pay reasonable Plan expenses first (See Section   [X]   OR   [  ]  
[  ]            7.04(C)), then allocate in the manner described above.          
            (f)   [  ] Safe harbor/top-heavy exempt. Apply all forfeitures to
Safe Harbor Contributions and Plan expenses in accordance with           Section
3.07(A)(4).                                               (g)   [  ] Describe:  
                     

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         (e.g., Forfeitures attributable to transferred balances from Plan X are
allocated only to former Plan X participants.)   34. FORFEITURE ALLOCATION
TIMING (3.07(B)). See Sections 3.07, 5.07 and 7.07 as to when a forfeiture
occurs. Once a forfeiture occurs, this Election 34 determines the timing of the
forfeiture allocation. The Plan Administrator will allocate a Participant's
forfeiture (Choose one or both of (a) and (b) as applicable):                  
                      (1)       (2)   (3)                     All      
Nonelective   Matching                     Forfeitures       Forfeitures  
Forfeitures (a)   [X] Same Plan Year. In the same Plan Year in which the
designated   [X]   OR   [  ]   [  ]            forfeiture occurs.              
                            (b)   [  ] Next Plan Year. In the Plan Year
following the Plan Year in which   [  ]   OR   [  ]   [  ]           the
designated forfeiture occurs.                    

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

[Note: The elected forfeiture allocation timing applies irrespective of when the
Employer makes its contribution(s), if any, for a Plan Year.     Even if the
Employer elects immediate vesting, the Employer should complete Election 34. See
Sections 3.07 and 7.07.]           35. EMPLOYEE (AFTER-TAX) CONTRIBUTIONS
(3.09). The following additional elections apply to Employee Contributions under
    Election 6(f). (Complete (a) and (b)):               (a) Limitations. The
Plan permits Employee Contributions subject to the following limitations, if
any, in addition to those already       imposed under the Plan (Choose one of
(1) or (2)):                       (1)     [  ]   None. No additional
limitations.                       (2)     [  ]   Additional limitations. The
following additional limitations:   .          

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                          [Note: Any designated limitation(s) must be the same
for all Participants and must be definitely determinable.]                      
(b) Matching Contributions. (Choose one of (1) or (2)):                        
  (1) [  ]   None. The Employer will not make any Matching Contributions based
on Employee Contributions.                       (2)     [  ]   Applies. For
each Plan Year, the Employer's Matching Contribution made as to Employee
Contributions is:              

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                  36. DESIGNATED IRA CONTRIBUTIONS (3.12). Under Election 6(h),
a Participant may make Designated IRA Contributions     effective for Plan Years
beginning after _______________ (date specified must be no earlier than December
31, 2002). (Complete (a) and (b)):                       (a)   Type of IRA
contribution. A Participant's Designated IRA Contributions will be (Choose one
of (1), (2), or (3)):                           (1) 1 1   Traditional.          
                    (2) 1 1   Roth.                               (3) 1 1  
Traditional/Roth. As the Participant elects at the time of contribution.        
              (b)   Type of Account. A Participant's Designated IRA
Contributions will be held in the following form of Account(s) (Choose one of
(1),     (2), or (3)):                       (1)     1 1   IRA.                
          (2)     1 1   Individual Retirement Annuity.                       (3)
    1 1   IRA/Individual Retirement Annuity. As the Participant elects at the
time of contribution.    

ARTICLE IV
LIMITATIONS AND TESTING

[Note: The Employer, in the "Effective as of execution" column under Election
37, must elect those testing elections which are: (i) in effect as of date of
the Employer's execution of this Adoption Agreement; and (ii) if the Adoption
Agreement restates the Plan, also are retroactive to the later of the Plan's
original Effective Date or EGTRRA restated Effective Date, except as indicated
in Appendix A. If the Employer wishes to change any testing election after it
executes this Adoption Agreement, the Employer must elect the changes in the
"Changes post-execution" column under Election 37, and the Employer must specify
the Plan Year Effective Date(s) of any changed election. The Employer may
complete the Effective Date blanks specifying the changed election applies to a
single Plan Year (e.g., "2011 only"), or a range of Plan Years (e.g.,
"2011-2015") or may specify the change as becoming effective in a specified Plan
Year (e.g., "commencing 2010"). If the Employer specifies a single Plan Year
only or specifies a range of Plan Years, the Plan becomes subject to the
election in the "Effective as of execution" column in the Plan Years commencing
after the specified Year(s), unless the Employer subsequently changes the
election. If the Employer specifies the change as commencing in a Plan Year, the
election applies in the specified Plan Year and in all following Plan Years
unless the Employer subsequently changes the election.]       37. ANNUAL TESTING
ELECTIONS (4.06(B)). The Employer makes the following Plan specific annual
testing elections under Section 4.06(B). (Complete (a) and (b)):         (1)  
(2)   Effective as of execution   Changes post-execution   (and retroactively  
(specify Plan Year   ifrestatement)   Effective Date(s))   (a) Nondiscrimination
testing. (Choose one or more of (1), (2), or (3)):                     (1) [X]
Traditional 401(k) Plan/ADP/ACP test.      
                                    The following testing method(s) apply      
                                    (Choose a. and b. as applicable):        
[Note: The Plan may "split test" for Plan Years commencing in 2005.]      

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

a.   [X] Current Year Testing. See Section 4.11(E).                 Current Year
Testing applies to the ADP/ACP tests                 as elected below (Choose
one or both of (i) and (ii)):                               (i)   [X] ADP test.
  [X]   [  ] Effective Date(s):                

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        (ii)   [X] ACP test.   [X]   [  ] Effective Date(s):                

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    [Note: The Employer may leave (ii) blank if the Plan does not permit
Matching Contributions or Employee Contributions and the Plan Administrator will
not recharacterize Elective Deferrals as Employee Contributions for testing.]  
    b.   [  ] Prior Year Testing. See Section 4.11(I).             Prior Year
Testing applies to the ADP/ACP tests as             elected below. See Sections
4.10(B)(4)(f)(iv) and             4.10(C)(5)(e)(iv) as to the first Plan Year.
(Choose             one or both of (i) and (ii)):               (i)     [  ] ADP
test.   [  ]   [  ] Effective Date(s):                

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        (iii)  [  ] ACP test.   [  ]   [  ] Effective Date(s):            

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    [Note: The Employer may leave (ii) blank if the Plan does not permit
Matching Contributions or Employee Contributions and the Plan Administrator will
not recharacterize Elective Deferrals as Employee Contributions for testing.]  
              (2) [  ] Safe Harbor Plan/No testing or ACP test only.            
(Choose one of a., b., or c.):           a.   [  ] No testing.   [  ]   [  ]
Effective Date(s):     ADP test safe harbor applies and if applicable,          
  ACP test safe harbor applies.           b.   [  ] ACP test only.            
ADP test safe harbor applies, but Plan will perform             ACP test as
follows (Choose one of (i) or (ii)):               (i)    [  ] Current Year
Testing.   [  ]   [  ] Effective Date(s):                

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        (iii) [  ] Prior Year Testing.   [  ]   [  ] Effective Date(s):        
   

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    [Note: The Employer may elect Prior Year Testing under Election
37(a)(2)b.(ii) only for Plan Years after the Final 401(k) Regulations Effective
Date.]   c.   [  ] Possible delayed election.   [  ]   [  ] Effective Date(s):  
          (maybe notice/supplemental notice)               The Employer under
Section 3.05(I)(1) may treat the Plan as a Traditional 401(k) Plan or may make a
delayed election to     treat the Plan as a Safe Harbor 401(k) Plan. If the
Employer gives the maybe and supplemental notices and amends the Plan     to
provide for the Safe Harbor Nonelective Contribution, the Plan is an ADP test
safe harbor plan for the Plan Year to which     the maybe and supplemental
notices and the amendment apply. If the Employer does not give the supplemental
notice, the     Plan is a Traditional 401(k) Plan, subject to ADP Current Year
Testing and, if applicable, to ACP Current Year Testing. If     the Employer
gives the supplemental notice and amends the Plan to provide for the Safe Harbor
Nonelective Contribution,     and the Employer has elected Additional Matching
Contributions under Election 30(h) (Choose one of (i) or (ii)):       (i) [  ]
No testing. ADP and ACP test safe harbors apply. The Employer's elections under
30(h) as to Additional         Matching Contributions satisfy the ACP safe
harbor requirements and the Employer elects to apply the         Election 30(h)
stated ACP test safe harbor conditions (see the Note following Election 30(h))
as to all         Additional Matching Contributions.               (ii) [  ] ACP
test only. ADP safe harbor applies, but the Plan will perform the ACP test as to
all Additional         Matching Contributions using Current Year Testing.      
        [Note: Even if the Employer does not elect 37(a)(2)c., the Employer
still may make a delayed election into safe harbor status     under Section
3.05(I)(1) using the maybe and supplemental notices and by amending the plan to
provide for the Safe Harbor     Nonelective Contribution. However, in this case,
the Employer also must amend the Plan to make its testing elections under    
this Election 37 consistent with its delayed election into safe harbor status.
The Employer then may elect any election under     37(a)(2), including
37(a)(2)c. An Employer's election of 37(a)(2)c. permits the Plan to remain in
perpetual possible delayed     safe harbor election status, while minimizing the
number of Plan amendments required to do so.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

        (3) [  ] SIMPLE 401(k) Plan/No testing.   [  ]   [  ] Effective Date(s):
       

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  (b) BCE determination. (Complete both (1) and (2)):                 (1)
Top-paid group election. (Choose one of a. or b.):         a.   [X] Does not
apply.   IXI   [  ] Effective Date(s):            

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  b.   [  ] Applies.   [  ]   [  ] Effective Date(s):            

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          (2) Calendar year data election (fiscal year Plan only).        
              (Choose one of a. or b.):         a.   [X] Does not apply.   IXI  
[  ] Effective Date(s):            

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  c.   [  ] Applies.   [  ]   [  ] Effective Date(s):

ARTICLE V
VESTING REQUIREMENTS

38. NORMAL RETIREMENT AGE (5.01). A Participant attains Normal Retirement Age
under the Plan on the following date (Choose one of (a) or (b)):              
(a)   [X] Specific age. The date the Participant attains age 65 . [Note: The age
may not exceed age 65.]           (b)   [  ] Age/participation. The later of the
date the Participant attains age______or the______ anniversary of the first day
of the Plan             Year in which the Participant commenced participation in
the Plan. [Note: The age may not exceed age 65 and the anniversary    
        may not exceed the 5th.]           39. EARLY RETIREMENT AGE (5.01).
(Choose one of (a) or (b)):           (a)   [X] Not applicable. The Plan does
not provide for an Early Retirement Age.               (b)   [  ] Early
Retirement Age. Early Retirement Age is the later of: (i) the date a Participant
attains age   ; (ii) the date a             Participant reaches
his/her______anniversary of the first day of the Plan Year in which the
Participant commenced             participation in the Plan; or (iii) the date a
Participant completes_______Years of Service.           [Note: The Employer
should leave blank any of clauses (i), (ii), and (iii) which are not
applicable.]     "Years of Service" under this Election 39 means (Choose one of
(1) or (2) as applicable):                       (1)   [  ] Eligibility. Years
of Service for eligibility in Election 16.         (2)   [  ] Vesting. Years of
Service for vesting in Elections 42 and 43.       [Note: Election of an Early
Retirement Age does not affect the time at which a Participant may receive a
Plan distribution. However, a Participant becomes 100% vested at Early
Retirement Age.]       40. ACCELERATION ON DEATH OR DISABILITY (5.02). Under
Section 5.02, if a Participant incurs a Severance from Employment as a result of
death or Disability (Choose one of (a), (b), or (c)):               (a)   [X]
Applies. Apply 100% vesting.           (b)   [  ] Not applicable. Do not apply
100% vesting. The Participant's vesting is in accordance with the applicable
Plan vesting          schedule.     (c)   [  ] Limited application. Apply 100%
vesting, but only if a Participant incurs a Severance from Employment as a
result of         (Choose one of (1) or (2)):                       (1)   [  ]
Death.                       (2)   [  ] Disability.    

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41. VESTING SCHEDULE (5.03). A Participant has a 100% Vested interest at all
times in his/her Accounts attributable to: (i) Elective Deferrals; (ii) Employee
Contributions; (iii) QNECs; (iv) QMACs; (v) Safe Harbor Contributions; (vi)
SIMPLE Contributions; (vii) Rollover Contributions; (viii) Prevailing Wage
Contributions unless the Prevailing Wage Contract provides otherwise; (ix) DECs;
and (x) Designated IRA Contributions. The following vesting schedule applies to
Regular Matching Contributions, to Additional Matching Contributions
(irrespective of ACP testing status) and to Nonelective Contributions (other
than Prevailing Wage Contributions) (Choose (a) or choose one or both of (b) and
(d) as applicable. Choose (c) if elect a non-top-heavy schedule under (b) or
(d)):       (a) [  ] Immediate vesting. 100% Vested at all times in all
Accounts.                   [Note: Unless all Contribution Types are 100%
Vested, the Employer should not elect 41(a). If the Employer elects immediate
vesting under 41(a), the Employer should not complete the balance of Election 41
or Elections 42 and 43 (except as noted therein). The Employer must elect 41(a)
if the eligibility Service condition under Election 14 as to all Contribution
Types (except Elective Deferrals and Safe Harbor Contributions) exceeds one Year
of Service or more than 12 months. The Employer must elect 41(b)(1) as to any
Contribution Type where the eligibility service condition exceeds one Year of
Service or more than 12 months. The Employer should elect 41(b) if any
Contribution Type is subject to a vesting schedule.]                       (b)
[X] Vesting schedules: Apply the following vesting schedules (Choose one or more
of (1) through (7) as applicable):                   (1)       (2)   (3)   (4)  
                              Additional                 All           Regular  
Matching (See                 Contributions       Nonelective   Matching  
Section 3.05(F))   (1)   [  ]   Immediate vesting       N/A       [  ]   [  ]  
[  ]                 (See Election 41(a))                   (2)   [  ]  
Top-heavy: 6-year graded   [  ]   OR   [  ]   [  ]   [  ]   (3)   [  ]  
Top-heavy: 3-year cliff   [  ]   OR   [  ]   [  ]   [  ]                        
  (4)   [X] Modified top-heavy:   [  ]   OR   [  ]   IXI   [  ]         Years of
Service Vested %                             Less than 1   a. 0%                
            1   b. 34%                             2   c. 67%                  
          3   d 100%                             4   e.                        
    5   f.                             6 or more   100%                     (5)
  [  ]   Non-top-heavy: 7-year graded   N/A       [  ]   N/A   N/A   (6)   [  ]
  Non-top-heavy: 5-year cliff   N/A       [  ]   N/A   N/A                      
        (7)   [  ]   Modified non-top-heavy:   N/A       [  ]   N/A   N/A      
  Years of Service Vested %                             Less than 1   a. ____  
                          1   b. ____                             2   c. ____  
                          3   d. ____                             4   e. ____  
                          5   f. ____                             6   g. ____  
                          7 or more   100%                       [Note: If the
Employer does not elect 41(a), the Employer under 41(b) must elect immediate
vesting or must elect a top-heavy or modified top-heavy vesting schedule. The
modified top-heavy schedule of Election 41(b)(4) must satisfy Code §416. A
top-heavy schedule must apply to Regular Matching Contributions and to
Additional Matching Contributions. See Section 5.03(A)(1). The Employer as to
Nonelective Contributions only may elect one of Elections 41(b)(5), (6), or (7)
in addition to electing a top-heavy schedule. The Employer must complete
Election 41(c) if it elects any non-top-heavy schedule. If the Employer does not
elect a non-top-heavy schedule, the elected top-heavy schedule(s) applies to all
Plan Years. If the Employer elects 41(b)(7), the modified non-top-heavy schedule
must satisfy Code §411(a)(2). If the Employer elects Additional Matching under
Election 30(h), the Employer should elect vesting under the Additional Matching
column in this Election 41(b). That election applies to the Additional Matching
even if the Employer has given the maybe notice but does not give the
supplemental notice for any Plan Year and as to such Plan Years, the Plan is not
a safe harbor plan and the Matching Contributions are not Additional Matching
Contributions. If the Plan's Effective Date is after December 31, 2006, do not
complete Elections 41(b)(5), (b)(6), or (b)(7).]                           (c)
[  ] Nonelective Contributions: application of top-heavy schedule (Choose one of
(1) or (2)):               (1) [  ] Apply in all Plan Years once top-heavy.
Apply the top-heavy vesting schedule under Election 41(b) for the first Plan    
    Year in which the Plan is top-heavy and then in all subsequent Plan Years.  
     

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    (2) [  ] Apply only in top-heavy Plan Years. Apply the non-top-heavy
schedule under Election 41(b) in all Plan Years in which             the Plan is
not a top-heavy plan.               (d) [  ] Special vesting provisions:       .
          [Note: The Employer under Election 41(d) may describe special vesting
provisions from the elections available under Election 41 and/or a    
combination thereof as to a: (i) Participant group (e.g., Full vesting applies
to Division A Employees OR to Employees hired on/before "x"     date. 6-year
graded vesting applies to Division B Employees OR to Employees hired after "x"
date.); and/or (ii) Contribution Type (e.g.,     Full vesting applies as to
Discretionary Nonelective Contributions. 6-year graded vesting applies to Fixed
Nonelective Contributions). Any     special vesting provision must satisfy Code
§411(a) and must be nondiscriminatory.]           42. YEAR OF SERVICE - VESTING
(5.05). (Complete both (a) and (b)):           [Note: If the Employer elects the
Elapsed Time Method for vesting the Employer should not complete this Election
42. If the Employer elects immediate vesting, the Employer should not complete
Election 42 or Election 43 unless it elects to apply a Year of Service for
vesting under any other Adoption Agreement election.]                          
(a)   Year of Service. An Employee must complete at least 1,000 Hours of Service
during a Vesting Computation Period to receive         credit for a Year of
Service under Article V. [Note: The number may not exceed 1,000. If left blank,
the requirement is 1,000.]                       (b)   Vesting Computation
Period. The Plan measures a Year of Service based on the following
12-consecutive month period (Choose one of (1) or (2)):                        
  (1)   [X] Plan Year.                               (2)   [  ] Anniversary
Year.                           43. EXCLUDED YEARS OF SERVICE - VESTING
(5.05(C)). The Plan excludes the following Years of Service for purposes of    
vesting (Choose (a) or choose one or more of (b) through (e) as applicable):    
                  (a)   [X] None. None other than as specified in Section
5.05(C)(1).                       (b)   [  ] Age 18. Any Year of Service before
the Vesting Computation Period during which the Participant attained the age of
18.                       (c)   [  ] Prior to Plan establishment. Any Year of
Service during the period the Employer did not maintain this Plan or a
predecessor             plan.                               (d)   [  ] Rule of
Parity. Any Year of Service excluded under the rule of parity. See Plan Section
5.06(C).                       (e)   [  ] Additional exclusions. The following
Years of Service:   .                   [Note: The Employer under Election 43(e)
may describe vesting service exclusions provisions available under Election 43
and/or a combination     thereof as to a: (i) Participant group (e.g., No
exclusions apply to Division A Employees OR to Employees hired on/before "x"
date. The age 18 exclusion applies to Division B Employees OR to Employees hired
after "x" date.); or (ii) Contribution Type (e.g., No exclusions apply as to
Discretionary Nonelective Contributions. The age 18 exclusion applies to Fixed
Nonelective Contributions). Any exclusion specified under     Election 43(e)
must comply with Code §411(a)(4). Any exclusion must be nondiscriminatory.]    
                  ARTICLEVI DISTRIBUTION OF ACCOUNT BALANCE                  
44. MANDATORY DISTRIBUTION (6.01(A)(1)/6.08(D)). The Plan provides or does not
provide for Mandatory Distribution of a     Participant's Vested Account Balance
following Severance from Employment, as follows (Choose one of (a) or (b)):    
                  (a)   [  ] No Mandatory Distribution. The Plan will not make a
Mandatory Distribution following Severance from Employment.                    
  (b)   [X] Mandatory Distribution. The Plan will make a Mandatory Distribution
following Severance from Employment. (Complete             (1) and (2). Choose
(3) unless the Employer elects to limit Mandatory Distributions to $1,000
including Rollover Contributions under Elections 44(b)(1)b. and 44(b)(2)b.):    
                      (1) Amount limit. As to a Participant who incurs a
Severance from Employment and who will receive distribution before attaining    
    the later of age 62 or Normal Retirement Age, the Mandatory Distribution
maximum amount is equal to (Choose one of a., b., or c.):                      
    a.   [X] $5,000.                                   b.   [  ] $1,000.        
                          c.   [  ] Specify amount: $_____ (may not exceed
$5,000).                           (2) Application of Rollovers to amount limit.
In determining whether a Participant's Vested Account Balance exceeds the      
      Mandatory Distribution dollar limit in Election 44(b)(1), the Plan (Choose
one of a. or b.):                               a.   [X] Disregards Rollover
Contribution Account.                               b.   [  ] Includes Rollover
Contribution Account.    

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    (3) [X] Amount of Mandatory Distribution subject to Automatic Rollover. A
Mandatory Distribution to a Participant before             attaining the later
of age 62 or Normal Retirement Age is subject to Automatic Rollover under
Section 6.08(D) (Choose             one of a. or b.):                          
a.   [X] Only if exceeds $1,000. Only if the amount of the Mandatory
Distribution exceeds $1,000, which for this purpose               must include
any Rollover Contributions Account.                   b.   [  ] Specify lesser
amount. Only if the amount of the Mandatory Distribution is at least: $____
(specify $1,000 or               less).           45. SEVERANCE DISTRIBUTION
TIMING (6.01). Subject to the timing limitations of Section 6.01(A)(1) in the
case of a Mandatory Distribution, or in the case of any Distribution Requiring
Consent under Section 6.01(A)(2), for which consent is received, the Plan
Administrator will instruct the Trustee to distribute a Participant's Vested
Account Balance as soon as is administratively practical following the time
specified below (Choose one or more of (a) through (k) as applicable):    
[Note: If a Participant dies after Severance from Employment but before
receiving distribution of all of his/her Account, the elections under this
Election 45 no longer apply. See Section 6.01(B) and Election 49.]              
                        (1)   (2)                             Mandatory  
Distribution                             Distribution   Requiring Consent   (a)
  [X]   Immediate. Immediately following Severance from Employment.   [X]   [X]
                  (b)   [  ]   Next Valuation Date. After the next Valuation
Date following Severance   [  ]   [  ]         from Employment.                
  (c)   [  ]   Plan Year. In the                Plan Year following Severance
from   [  ]   [  ]        

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                Employment (e.g., next or fifth).             (d)   [  ]   Plan
Year quarter. In the Plan Year quarter following   [  ]   [  ]        

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                Severance from Employment (e.g., next or fifth).                
          (e)   [  ]   Contribution Type Accounts.            as to the   [  ]  
[  ]        

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                Participant's                                 Account(s) and
               as to            

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                the Participant's                Account(s) (e.g., As soon as is
practical            

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                following Severance from Employment as to the Participant's
Elective                 Deferral Account and as soon as is practical in the
next Plan Year following                 Severance from Employment as to the
Participant's Nonelective and                 Matching Accounts).              
                (f)   [  ] Vesting controlled timing. If the Participant's total
  [  ]   [  ]         Vested Account Balance exceeds $                 ,        
        distribute ____________(specify timing) and if                 the
Participant's total Vested Account Balance does not                 exceed $
____________, distribute______________(specify timing).           (g) [  ]
Distribute at Normal Retirement Age. As to a Mandatory   [  ]   [  ]        
Distribution, distribute not later than 60 days after the                
beginning of the Plan Year following the Plan Year in                 which the
previously severed Participant attains the                 earlier of Normal
Retirement Age or age 65. [Note: An                 election under column (2)
only will have effect if the                 Plan's NRA is less than age 62.]  
            (h) [  ] Acceleration. Notwithstanding any later specified
distribution date in   [  ]   [  ]         Election 45, a Participant may elect
an earlier distribution                 following Severance from Employment
(Choose (1) and (2) as applicable):           (1)   [  ] Disability. If
Severance from Employment is on account of Disability or if                 the
Participant incurs a Disability following Severance from Employment.          
(2)   [  ] Hardship. If the Participant incurs a hardship under Section 6.07    
                following Severance from Employment.           (i) [  ] Required
distribution at Normal Retirement Age. A severed Participant   N/A   [  ]      
  may not elect to delay distribution beyond the later of age 62 or Normal      
          Retirement Age.                   (j)   [  ] No buy-back/vesting
controlled timing.   [  ]   [  ]         Distribute as soon as is practical
following Severance                 from Employment if the Participant is fully
Vested.        

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    Distribute as soon as is practical following a Forfeiture                  
      Break in Service if the Participant is not fully Vested.                  
    (k) [  ] Describe Severance from Employment distribution timing:            
     

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[Note: The Employer under Election 45(k) may describe Severance from Employment
distribution timing provisions from the elections available under Election 45
and/or a combination thereof as to any: (i) Participant group (e.g., Immediate
distribution after Severance of Employment applies to Division A Employees OR to
Employees hired on/before "x" date. Distribution after the next Valuation Date
following Severance from Employment applies to Division B Employees OR to
Employees hired after "x" date.); (ii) Contribution Type (e.g., As to Division A
Employees, immediate distribution after Severance of Employment applies as to
Elective Deferral Accounts and distribution after the next Valuation Date
following Severance from Employment applies to Nonelective Contribution
Accounts); and/or (iii) merged plan account now held in the Plan (e.g., The
accounts from the X plan merged into this Plan continue to be distributable in
accordance with the X plan terms [supply terms] and not in accordance with the
terms of this Plan). An Employer's election under Election 45(k) must: (i) be
objectively determinable; (ii) not be subject to Employer discretion; (iii)
comply with Code §401(a)(14) timing requirements; (iv) be nondiscriminatory and
(v) preserve Protected Benefits as required.]                       46.
IN-SERVICE DISTRIBUTIONS/EVENTS (6.01(C)). A Participant may elect an In-Service
Distribution of the designated     Contribution Type Accounts based on any of
the following events in accordance with Section 6.01(C) (Choose one of (a) or
(b)):   [Note: If the Employer elects any In-Service Distribution option, a
Participant may elect to receive as many In-Service Distributions per Plan Year
(with a minimum of one per Plan Year) as the Plan Administrator's In-Service
Distribution form or policy may permit. If the form or policy is silent, the
number of In-Service Distributions is not limited. Prevailing Wage Contributions
are treated as Nonelective Contributions unless the Prevailing Wage Contract
provides otherwise. See Section 6.01(C)(4)(d) if the Employer elects to use
Prevailing Wage Contributions to offset other contributions.]                  
            (a)   [  ] None. The Plan does not permit any In-Service
Distributions except as to any of the following (if applicable): (i) RMDs under
    Section 6.02; (ii) Protected Benefits; and (iii) under Section 6.01(C)(4) as
to Employee Contributions, Rollover Contributions,     DECs, Transfers, and
Designated IRA Contributions.                       (b)   [X] Permitted.
In-Service Distributions are permitted as follows from the designated
Contribution Type Accounts (Choose one or     more of (1) through (9)):        
                              [Note: Unless the Employer elects otherwise in
Election 46(b)(9), Elective Deferrals under Election 46(b) includes Pre-Tax and
Roth     Deferrals and Matching Contributions includes Additional Matching
Contributions, irrespective of the Plan's ACP testing status.]             (1)  
    (2)   (3)   (4)   (5)   (6)   (7)           All       Elective   Safe Harbor
  QNECs   QMACs   Matching   Nonelective/           Contributions      
Deferrals   Contributions           Contrib.   SIMPLE (1)   [  ] None.Exceptfor
  N/A       [  ]   [  ]   [  ]   [  ]   [  ]   [  ]       Election 46(a)   (See
Election                                   exceptions.   46(a))                
                                                    (2)   [X] Age 59 1/2 (must  
[X]   OR   [  ]   [  ]   [  ]   [  ]   [  ]   [  ]       be at least 59 1/2).  
                                                                      (3)   [  ]
Age _____ (may   N/A       N/A   N/A   N/A   N/A   [  ]   [  ]       be less
than 59 1/2).                                                                  
      (4)   [X] Hardship (safe   N/A       [X]   N/A   N/A   N/A   [X]   [X]    
  harbor). See                                       Section 6.07(A).          
                                                              (5)   [  ]
Hardship (non-   N/A       N/A   N/A   N/A   N/A   [  ]   [  ]       safe
harbor). See                                       Section 6.07(B).            
                      (6)   [  ] Disability.   [  ]   OR   [  ]   [  ]   [  ]  
[  ]   [  ]   [  ]                                         (7)   [  ] year   N/A
      N/A   N/A   N/A   N/A   [  ]   [  ]       contributions.                  
                    (specify minimum of                                      
two years) See                                       Section 6.01(C)(4)(a)(i).  
                                                                  (8)   [  ]
months   N/A       N/A   N/A   N/A   N/A   [  ]   [  ]       of participation.  
                                    (specify minimum of                        
          60 months) See                                       Section
6.01(C)(4)(a)(ii).                                                              
      (9)   [  ] Describe:                                          

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[Note: The Employer under Election 46(b)(9) may describe In-Service Distribution
provisions from the elections available under Election 46 and/or a combination
thereof as to any: (i) Participant group (e.g., Division A Employee Accounts are
distributable at age 59 1/2 OR Accounts of Employees hired on/before "x" date
are distributable at age 59 1/2). No In-Service Distributions apply to Division
B Employees OR to Employees hired after "x" date.); (ii) Contribution Type
(e.g., Discretionary Nonelective Contribution Accounts are distributable on
Disability. Fixed Nonelective Contribution Accounts are distributable on
Disability or Hardship (non-safe harbor)); and/or (iii) merged plan account now
held in the Plan (e.g., The accounts from the X plan merged into this Plan
continue to bedistributable in accordance with the X plan terms [supply terms]
and not in accordance with the terms of this Plan). An Employer's election under
Election 46(b)(9) must: (i) be objectively determinable; (ii) not be subject to
Employer discretion; (iii) preserve Protected Benefits as required; (iv) be
nondiscriminatory; and (v) not permit an "early" distribution of any Restricted
401(k) Accounts or Restricted Pension Accounts. See Section 6.01(C)(4).]  
In-Service Distribution of other Accounts.See Section 6.01(C)(4) as to
In-Service Distribution of Employee Contributions, Rollover Contributions, DECs,
Transfers, and Designated IRA Contributions.   47. IN-SERVICE
DISTRIBUTIONS/ADDITIONAL CONDITIONS (6.01(C)). The following additional
conditions apply to In-Service Distributions under Election 46(b) (Choose one of
(a) or (b)):   [Note: The Employer should complete Election 47 if the Employer
elects any In-Service Distributions under Election 46(b).]   (a) [  ] Additional
conditions. (Complete (1). Choose (2) and (3) as applicable):       (1) Vesting.
A Participant may receive an In-Service Distribution under Election 46(b) based
on vesting in the distributing     Account as follows (Choose one of a., b., or
c.):        a. [    ]     100% vesting required. A Participant may not receive
any In-Service Distribution unless the Participant is 100%             Vested in
the distributing Account.       b. [    ]     100% vesting required except
hardship. A Participant may not receive any In-Service Distribution unless the  
          Participant is 100% Vested in the distributing Account, unless the
distribution is based on hardship.     c. [    ]     Not required. A Participant
may receive an In-Service Distribution even from a partially-Vested Account, but
the             amount distributed may not exceed the Vested amount in the
distributing partially-Vested Account.   (2)     [    ]   Minimum amount. A
Participant may not receive an In-Service Distribution in an amount which is
less than: $ ______.         (specify amount not exceeding $1,000).          
(3)   [    ]   Describe other conditions:
__________________________________________________________________________      
      [Note: An Employer's election under Election 47(a)(3) must: (i) be
objectively determinable; (ii) not be subject to Employer discretion; (iii)
preserve Protected Benefits as required; (iv) be nondiscriminatory; and (v) not
permit an "early" distribution of any Restricted 401(k) Accounts or Restricted
Pension Accounts. See Section 6.01(C)(4).]   (b) [X] No other conditions. A
Participant may elect to receive an In-Service Distribution upon any Election
46(b) event without     further condition, provided that the amount distributed
may not exceed the Vested amount in the distributing Account.   48.
POST-SEVERANCE AND LIFETIME RMD DISTRIBUTION METHODS (6.03). A Participant whose
Vested Account Balance exceeds $5,000 (or any lesser amount elected in Appendix
B, Election 54(g)(7)): (i) who has incurred a Severance from Employment and will
receive a distribution; or (ii) who remains employed but who must receive
lifetime RMDs, may elect distribution under one of the following method(s) of
distribution described in Section 6.03 and subject to any Section 6.03
limitations. (Choose one or more of (a) through (f) as applicable):   [Note: If
a Participant dies after Severance from Employment but before receiving
distribution of all of his/her Account, the elections under this Election 48 no
longer apply. See Section 6.01(B) and Election 49.]   (a)   [X] Lump-Sum. See
Section 6.03(A)(3).   (b)   [X] Installments only if Participant subject to
lifetime RMDs. A Participant who is required to receive lifetime RMDs may    
receive installments payable in monthly, quarterly or annual installments equal
to or exceeding the annual RMD amount. See     Sections 6.02(A) and
6.03(A)(4)(a).   (c)   [  ] Installments. See Section 6.03(A)(4).   (d)   [  ]
Alternative Annuity: _____________________________________. See Section
6.03(A)(5).   [Note: Under a Plan which is subject to the joint and survivor
annuity distribution requirements of Section 6.04 (Election 50(b)), the Employer
may elect under 48(d) to offer one or more additional annuities (Alternative
Annuity) to the Plan's QJSA or QPSA. If the Employer elects under Election 50(a)
to exempt Exempt Participants from the joint and survivor annuity requirements,
the Employer should not elect to provide an Alternative Annuity under 48(d).]  
(e)   [  ] Ad-Hoc distributions. See Section 6.03(A)(6).   [Note: If an Employer
elects to permit Ad-Hoc distributions: (i) the option must be available to all
Participants; and (ii) the option is a Protected Benefit.]    

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(f) [  ] Describe distribution method(s):
_________________________________________________________________________________
          [Note: The Employer under Election 48(f) may describe Severance from
Employment distribution methods from the elections available under Election 48
and/or a combination thereof as to any: (i) Participant group (e.g., Division A
Employee Accounts are distributable in a Lump- Sum OR Accounts of Employees
hired after "x" date are distributable in a Lump-Sum. Division B Employee
Accounts are distributable in a Lump-Sum or in Installments OR Accounts of
Employees hired on/before "x" date are distributable in a Lump-Sum or in
Installments.); (ii) Contribution Type (e.g., Discretionary Nonelective
Contribution Accounts are distributable in a Lump-Sum. Fixed Nonelective
Contribution Accounts are distributable in a Lump-Sum or in Installments);
and/or (iii) merged plan account now held in the Plan (e.g., The accounts from
the X plan merged into this Plan continue to be distributable in accordance with
the X plan terms [supply terms] and not in accordance with the terms of this
Plan). An Employer's election under Election 48(f) must: (i) be objectively
determinable; (ii) not be subject to Employer, Plan Administrator or Trustee
discretion; (iii) be nondiscriminatory; and (iv) preserve Protected Benefits as
required.]   49. BENEFICIARY DISTRIBUTION ELECTIONS (6.01(B)/6.02(B)/6.03).
Subject to the Participant's elections under Section 6.01(B)(1) as to the timing
and method of distribution of the Participant's Account to the Participant's
Beneficiary (which Participantelections must be consistent with the Plan and
this Election 49), in the case of a Participant's death, the Beneficiary will
receive distribution of the Participant's Account (or of the Beneficiary's share
thereof) as follows (Complete (a), (b), and (c)):       [Note: For purposes of
this Election 49, unless otherwise noted, a "Beneficiary" includes, but is not
limited to a "Designated Beneficiary" under Section 6.02(E)(1).]                
      (1)   (2)             Spouse Beneficiary   Other Beneficiary   (a) Timing.
The Plan will distribute to the Beneficiary as soon               as is
practical at (or not later than) the following time or date        
      (Choose one of (1) through (4). Choose (5) if applicable):             (1)
[  ]   Immediate. Immediately following the   [  ]   [  ]         Participant's
death.                             (2) [   ]   Next Calendar Year. In the
calendar year which   [  ]   [  ]         next follows the calendar year of the
Participant's                 death, but not later than December 31 of such    
            following calendar year.             (3) [X]   As Beneficiary
elects. At such time as the Beneficiary   [X]   [X]         may elect, provided
that distribution pursuant to such                 election (or in the absence
of any Beneficiary election)                 must commence no later than the
Section 6.02 required date.             (4) [   ]   Describe:
_______________________________________________   [  ]   [  ] [Note: The
Employer under Election 49(a)(4) may describe an alternative distribution timing
or afford the Beneficiary an election which is narrower than that permitted
under election 49(a)(3). However, any election under Election 49(a)(4) must
require distribution to commence no later than the Section 6.02 required date.]
            (5) [X]   Death before DCD; spousal election to delay. If the   [X]
  N/A         Participant dies before his/her Distribution Commencement        
        Date and the Participant's sole Designated Beneficiary is              
  his/her spouse, the spouse may elect to delay distribution                
until the end of the calendar year in which the Participant                
would have attained age 70 1/2, if that date is later than the                
date upon which distribution would be required to commence                 to a
non-spouse Beneficiary.           (b) Method.The Plan will distribute to the
Beneficiary under the               followingdistributionmethod(s). Ifmore
thanone methodiselected,               theBeneficiarymaychoosethe methodof
distribution.(Choose one               or more of (1) through (4) but do not
elect (4) only):             (1) [X] .   Lump-Sum. See Section 6.03(A)(3)   [X]
  [X]     (2) [X]   Installments sufficient to satisfy RMD.   [X]   [X]        
See Section 6.03(A)(4)(a). An Installment in each Distribution                
Calendar Year must at least equal the RMD amount.        

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    (3) [  ] Ad-Hoc sufficient to satisfy RMD. See Section 6.03(A)(6).   [  ]  
    [  ]         The Beneficiary must elect an Ad-Hoc distribution for each    
                Distribution Calendar Year at least equal to the RMD amount.    
          [Note: If an Employer elects to permit Ad-Hoc distributions: (i) the
option must be available to all Beneficiaries; and (ii) the option is a
Protected Benefit.]                                                       (4)
[  ] QPSA. See Section 6.04(B).           [  ]       N/A   [Note: If the
Employer elects 50(b), the Employer should elect 49(b)(4). If the Employer
elects 50(a), the Employer should not elect 49(b)(4). A surviving spouse may
elect to waive the QPSA in favor of another method.]                       (c)
Death before the DCD. If a Participant dies before the Distribution            
    Commencement Date, the distribution to the Beneficiary will be made        
        in accordance with the following rule(s) (Choose one of (1), (2), or
(3)):                                   (1) [X] Beneficiary election. See
Section 6.02(B)(1)(e). This election   [X]       [X]         applies only if the
Beneficiary is a Designated Beneficiary                     under Treas. Reg.
§1.401(a)(9)-4. If not, the 5-year rule applies.                     In the
absence of the Designated Beneficiary's election, the                     Life
Expectancy rule applies. The Employer in Appendix B                     may
elect to change the default (no Designated Beneficiary                    
election) to the 5-year rule.                                           (2) [  ]
Life Expectancy rule. See Section 6.02(B)(1)(d). This election   [  ]       [  ]
        applies only if the Beneficiary is a Designated Beneficiary            
        under Treas. Reg. §1.401(a)(9)-4. If not, the 5-year rule applies.      
                            (3) [  ] 5-year rule. See Section 6.02(B)(1)(c).
This election applies   [  ]       [  ]         regardless of whether the
Beneficiary is a Designated Beneficiary                 under Treas. Reg.
§1.401(a)(9)-4.                   50. JOINT AND SURVIVOR ANNUITY REQUIREMENTS
(6.04). The joint and survivor annuity distribution requirements of Section 6.04
(Choose one of (a) or (b)):                       (a) [X] Profit sharing
exception. Do not apply to an Exempt Participant, as described in Section
6.04(G)(1), but apply to any other         Participants (or to a portion of
their Account as described in Section 6.04(G)) (Complete (1)):               (1)
One-year marriage rule. Under Section 7.05(A)(3) relating to an Exempt
Participant's Beneficiary designation under the         profit sharing exception
(Choose one of a. or b.):                                                 a. [X]
Applies. The one-year marriage rule applies.                                    
            b. [  ] Does not apply. The one-year marriage rule does not apply.  
                                (b) [  ] Joint and survivor annuity applicable.
Section 6.04 applies to all Participants (Complete (1)):                        
          (1) One-year marriage rule. Under Section 6.04(B) relating to the QPSA
(Choose one of a. or b.):             a. [  ] Applies. The one-year marriage
rule applies.                                             b. [  ] Does not
apply. The one-year marriage rule does not apply.           ARTICLE VII
ADMINISTRATIVE PROVISIONS   51. ALLOCATION OF EARNINGS (7.04(B)). For each
Contribution Type provided under the Plan, the Plan allocates Earnings using the
following method (Choose one or more of (a) through (f) as applicable):        
    [Note: Elective Deferrals/Employee Contributions also includes Rollover
Contributions, Transfers, DECs and Designated IRA Contributions, Matching
Contributions includes all Matching Contributions and Nonelective Contributions
includes all Nonelective Contributions unless described otherwise in Election
51(f).]                             (1)       (2)   (3)   (4)                  
  Elective Deferrals/                     All       Employee   Matching  
Nonelective             Contributions       Contributions   Contributions  
Contributions (a)   [X]   Daily. See Section 7.04(B)(4)(a).   [X]   OR   [  ]  
[  ]   [  ]                               (b)   [  ]   Balance forward.   [  ]  
OR   [  ]   [  ]   [  ]         See Section 7.04(B)(4)(b).                      
                            (c)   [  ]   Balance forward with adjustment.   [  ]
  OR   [  ]   [  ]   [  ]

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Nonstandardized 401(k)

    See Section 7.04(B)(4)(c). Allocate                         pursuant to the
balance forward method,                         except treat as part of the
relevant                         Account at the beginning of the Valuation      
                  Period_______ % of the contributions                        
made during the following Valuation                         Period:            
          (d)   [  ] Weighted average. See Section   [  ]   OR   [  ]   [  ]  
[  ]            7.04(B)(4)(d). If not a monthly                        
       weighting period, the weighting                                period is:
                      (e)   [  ] Participant-Directed Account.   [  ]   OR  
[  ]   [  ]   [  ]            See Section 7.04(B)(4)(e).                      
(f)   [  ] Describe Earnings allocation method:
______________________________________________________________   [Note: The
Employer under Election 51(f) may describe Earnings allocation methods from the
elections available under Election 51 and/or a combination thereof as to any:
(i) Participant group (e.g., Daily applies to Division A Employees OR to
Employees hired after "x" date. Balance forward applies to Division B Employees
OR to Employees hired on/before "x" date.); (ii) Contribution Type (e.g., Daily
applies as to Discretionary Nonelective Contribution Accounts.
Participant-Directed Account applies to Fixed Nonelective Contribution
Accounts); (iii) investment type, investment vendor or Account type (e.g.,
Balance forward applies to investments placed with vendor A and
Participant-Directed Account applies to investments placed with vendor B OR
Daily applies to Participant-Directed Accounts and balance forward applies to
pooled Accounts); and/or (iv) merged plan account now held in the Plan (e.g.,
The accounts from the X plan merged into this Plan continue to be subject to
Earnings allocation in accordance with the X plan terms [supply terms] and not
in accordance with the terms of this Plan). An Employer's election under
Election 51(f) must: (i) be objectively determinable; (ii) not be subject to
Employer discretion; and (iii) be nondiscriminatory.]   ARTICLE VIII TRUSTEE AND
CUSTODIAN, POWERS AND DUTIES   52. VALUATION OF TRUST (8.02(C)(4)). In addition
to the last day of the Plan Year, the Trustee (or Named Fiduciary as applicable)
must value the Trust Fund on the following Valuation Date(s) (Choose one or more
of (a) through (d) as applicable):   [Note: Elective Deferrals/Employee
Contributions also include Rollover Contributions, Transfers, DECs and
Designated IRA Contributions, Matching Contributions includes all Matching
Contributions and Nonelective Contributions includes all Nonelective
Contributions unless described otherwise in Election 52(d).]         (1)      
(2)   (3)   (4)                 Elective Deferrals/                 All      
Employee   Matching   Nonelective         Contributions       Contributions  
Contributions   Contributions   (a)   [  ] No additional Valuation Dates.   [  ]
  OR   [  ]   [  ]   [  ] (b)   [X] Daily Valuation Dates. Each business   [X]  
OR   [  ]   [  ]   [  ]     day of the Plan Year on which Plan                  
      assets for which there is an                         established market
are valued and                         the Trustee is conducting business.      
                (c)   [  ] Last day of a specified period. The   [  ]   OR  
[  ]   [  ]   [  ]     last day of each _____ of the Plan Year.                
      (d)   [  ] Specified Valuation Dates:
_______________________________________________________________________.  
[Note: The Employer under Election 52(d) may describe Valuation Dates from the
elections available under Election 52 and/or a combination thereof as to any:
(i) Participant group (e.g., No additional Valuation Dates apply to Division A
Employees OR to Employees hired after "x" date. Daily Valuation Dates apply to
Division B Employees OR to Employees hired on/before "x" date.); (ii)
Contribution Type (e.g., No additional Valuation Dates apply as to Discretionary
Nonelective Contribution Accounts. The last day of each Plan Year quarter
applies to Fixed Nonelective Contribution Accounts); (iii) investment type,
investment vendor or Account type (e.g., No additional Valuation Dates apply to
investments placed with vendor A and Daily Valuation Dates apply to investments
placed with vendor B OR Daily Valuation Dates apply to Participant-Directed
Accounts and no additional Valuation Dates apply to pooled Accounts); and/or
(iv) merged plan account now held in the Plan (e.g., The accounts from the X
plan merged into this Plan continue to be subject to Trust valuation in
accordance with the X plan terms [supply terms] and not in accordance with the
terms of this Plan). An Employer's election under Election 52(d) must: (i) be
objectively determinable; (ii) not be subject to Employer discretion; and (iii)
be nondiscriminatory.]

© 2008 Wells Fargo Bank, N.A.

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Nonstandardized 401(k)

EXECUTION PAGE     The Employer, by executing this Adoption Agreement, hereby
agrees to the provisions of this Plan and Trust.       Employer: Premiere Global
Services, Inc.  

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      Date: 9/3/10  

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      Signed: /s/ Alison Sheehan  

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  Alison Sheehan, SVP, HR , [print name/title]   The Trustee (and Custodian, if
applicable), by executing this Adoption Agreement, hereby accepts its position
and agrees to all of the obligations, responsibilities and duties imposed upon
the Trustee (or Custodian) under the Prototype Plan and Trust. If the Employer
under Election 5(c) will use a separate Trust, the Trustee need not execute this
Adoption Agreement.       Nondiscretionary Trustee(s): Wells Fargo Bank, N.A.  

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      Date:  

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      Signed:  

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  [print name/title]       Nondiscretionary Trustee(s):  

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      Date:  

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      Signed:  

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  [print name/title]       Custodian(s) (Optional):  

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      Date:  

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      Signed:  

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  [print name/title]   Use of Adoption Agreement. Failure to complete properly
the elections in this Adoption Agreement may result in disqualification of the
Employer's Plan. The Employer only may use this Adoption Agreement only in
conjunction with the basic plan document referenced by its document number on
Adoption Agreement page one.   Execution for Page Substitution Amendment Only.
If this paragraph is completed, this Execution Page documents an amendment to
Adoption Agreement Election(s) 33(e); 21(b) effective January 1, 2010; September
1, 2010, by substitute Adoption Agreement page number(s) previously on pages 19
and 11. The Employer should retain all Adoption Agreement Execution Pages and
amended pages. [Note: The Effective Date may be retroactive or may be
prospective as permitted under Applicable Law.]   Prototype Plan Sponsor. The
Prototype Plan Sponsor identified on the first page of the basic plan document
will notify all adopting Employers of any amendment to this Prototype Plan or of
any abandonment or discontinuance by the Prototype Plan Sponsor of its
maintenance of this Prototype Plan. For inquiries regarding the adoption of the
Prototype Plan, the Prototype Plan Sponsor's intended meaning of any Plan
provisions or the effect of the Opinion Letter issued to the Prototype Plan
Sponsor, please contact the Prototype Plan Sponsor at the following address and
telephone number: 2700 Snelling Avenue North, Roseville, MN 55113, 651-205-9868.
  Reliance on Sponsor Opinion Letter. The Prototype Plan Sponsor has obtained
from the IRS an Opinion Letter specifying the form of this Adoption Agreement
and the basic plan document satisfy, as of the date of the Opinion Letter, Code
§401. An adopting Employer may rely on the Prototype Sponsor's IRS Opinion
Letter only to the extent provided in Rev. Proc. 2005-16. The Employer may not
rely on the Opinion Letter in certain other circumstances or with respect to
certain qualification requirements, which are specified in the Opinion Letter
and in Rev. Proc. 2005-16, Sections 19.02 and 19.03. In order to have reliance
in such circumstances or with respect to such qualification requirements, the
Employer must apply for a determination letter to Employee Plans Determinations
of the IRS.

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