----

----

Exhibit 10.19

----

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| ARTICLE      1: DEFINITIONS                                                                                   | 6                                                                                         |
|---------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------|
| 1.1                                                                                                           | ACP                                                                                       | 6 |
| 1.2                                                                                                           | Actual      Contribution Ratio                                                            | 6 |
| 1.3                                                                                                           | Actual      Deferral Ratio                                                                | 6 |
| 1.4                                                                                                           | ADP                                                                                       | 7 |
| 1.5                                                                                                           | Affiliate                                                                                 | 7 |
| 1.6                                                                                                           | Annual      Additions                                                                     | 7 |
| 1.7                                                                                                           | Bargaining      Unit Employee                                                             | 8 |
| 1.8                                                                                                           | Beneficiary                                                                               | 8 |
| 1.9                                                                                                           | Closing      Date                                                                         | 8 |
| 1.1                                                                                                           | Code                                                                                      | 9 |
| 1.11                                                                                                          | Combined      Account                                                                     | 9 |
| 1.12                                                                                                          | Committee                                                                                 | 9 |
| 1.13                                                                                                          | Company                                                                                   | 9 |
| 1.14                                                                                                          | Company      Stock                                                                        | 9 |
| 1.15                                                                                                          | Compensation                                                                              | 10 |
| 1.16                                                                                                          | Covered      Compensation                                                                 | 10 |
| 1.17                                                                                                          | Date      of Employment                                                                   | 10 |
| 1.18                                                                                                          | Date      of Severance                                                                    | 10 |
| 1.19                                                                                                          | Disability                                                                                | 11 |
| 1.2                                                                                                           | Elective      Account                                                                     | 11 |
| 1.21                                                                                                          | Elective      Contributions                                                               | 11 |
| 1.22                                                                                                          | Elective      Deferrals                                                                   | 11 |
| 1.23                                                                                                          | Employee                                                                                  | 11 |
| 1.24                                                                                                          | Entry      Date                                                                           | 12 |
| 1.25                                                                                                          | ERISA                                                                                     | 12 |
| 1.26                                                                                                          | ESOP      Accounts                                                                        | 12 |
| 1.27                                                                                                          | ESOP      Cash Account                                                                    | 12 |
| 1.28                                                                                                          | ESOP      Component                                                                       | 12 |
| 1.29                                                                                                          | ESOP      Elective Account                                                                | 12 |
| 1.3                                                                                                           | ESOP      Loan Account                                                                    | 13 |
| 1.31                                                                                                          | ESOP      Matching Account                                                                | 13 |
| 1.32                                                                                                          | ESOP      Profit Sharing Account                                                          | 13 |
| 1.33                                                                                                          | ESOP      Rollover Account                                                                | 13 |
| 1.34                                                                                                          | ESOP      Stock Account                                                                   | 13 |
| 1.35                                                                                                          | ESOP      Transfer Account                                                                | 13 |
| 1.36                                                                                                          | Exempt      Loan                                                                          | 14 |
| 1.37                                                                                                          | FMV      of Company Stock                                                                 | 14 |
| 1.38                                                                                                          | Former      Participant                                                                   | 14 |
| 1.39                                                                                                          | Fund                                                                                      | 14 |
| 1.4                                                                                                           | HCE                                                                                       | 14 |
| 1.41                                                                                                          | Hour      of Service                                                                      | 15 |
| 1.42                                                                                                          | Independent      Appraiser                                                                | 15 |
| 1.43                                                                                                          | Investment      Fund                                                                      | 16 |
| 1.44                                                                                                          | Limitation      Year                                                                      | 16 |
| 1.45                                                                                                          | Matching      Account                                                                     | 16 |
| 1.46                                                                                                          | Matching      Contributions                                                               | 16 |
| 1.47                                                                                                          | MSP                                                                                       | 16 |
| 1.48                                                                                                          | Non-ESOP      Accounts                                                                    | 16 |
| 1.49                                                                                                          | Non-ESOP      Component                                                                   | 16 |
| 1.5                                                                                                           | Non-ESOP      Loan Account                                                                | 16 |
| 1.51                                                                                                          | NHCE                                                                                      | 17 |
| 1.52                                                                                                          | Participant      Loan                                                                     | 17 |
| 1.53                                                                                                          | Participant                                                                               | 17 |
| 1.54                                                                                                          | Pay      Period; Pay Date                                                                 | 17 |
| 1.55                                                                                                          | Period      of Service                                                                    | 17 |
| 1.56                                                                                                          | Period      of Severance                                                                  | 17 |
| 1.57                                                                                                          | Plan                                                                                      | 18 |
| 1.58                                                                                                          | Plan      Administrator                                                                   | 18 |
| 1.59                                                                                                          | Plan      Year                                                                            | 18 |
| 1.6                                                                                                           | Profit      Sharing Account                                                               | 18 |
| 1.61                                                                                                          | Profit      Sharing Contribution                                                          | 18 |
| 1.62                                                                                                          | Related      Company                                                                      | 19 |
| 1.63                                                                                                          | Retirement                                                                                | 19 |
| 1.64                                                                                                          | Rollover      Account                                                                     | 19 |
| 1.65                                                                                                          | Rollover      Contribution                                                                | 19 |
| 1.66                                                                                                          | Savings      Percentage                                                                   | 19 |
| 1.67                                                                                                          | Service                                                                                   | 20 |
| 1.68                                                                                                          | Suspense      Account                                                                     | 20 |
| 1.69                                                                                                          | Temporary      Employee                                                                   | 20 |
| 1.7                                                                                                           | Trust      Agreement                                                                      | 20 |
| 1.71                                                                                                          | Trustee                                                                                   | 20 |
| 1.72                                                                                                          | Valuation      Date                                                                       | 20 |
| ARTICLE      2: PARTICIPATION                                                                                 | 21                                                                                        |
| 2.1                                                                                                           | Eligibility                                                                               | 21 |
| 2.2                                                                                                           | Terms      of Participation                                                               | 21 |
| 2.3                                                                                                           | Transferred      Employees                                                                | 22 |
| 2.4                                                                                                           | Reemployment                                                                              | 23 |
| 2.5                                                                                                           | Bargaining      Unit Employees                                                            | 23 |
| 2.6                                                                                                           | Leased      Employees                                                                     | 23 |
| 2.7                                                                                                           | Adoption      by Affiliate                                                                | 24 |
| ARTICLE      3: COMPANY CONTRIBUTIONS                                                                         | 24                                                                                        |
| 3.1                                                                                                           | Matching      Contributions                                                               | 24 |
| 3.2                                                                                                           | Discretionary      Profit Sharing Contribution                                            | 26 |
| 3.3                                                                                                           | Time      and Medium of Payment of Contributions; Allocation Rules                        | 26 |
|                                                                                                          |                                                                                      |   |
| 3.4                                                                                                           | Reinstatements                                                                            | 27 |
| 3.5                                                                                                           | Contributions      Conditioned on Deductibility                                           | 28 |
| 3.6                                                                                                           | Rollover      Contributions                                                               | 28 |
| 3.7                                                                                                           | Prohibited      Allocations of Stock in an S Corporation                                  | 29 |
| ARTICLE      4: VESTING                                                                                       | 29                                                                                        |
| 4.1                                                                                                           | Fully      Vested Accounts                                                                | 29 |
| 4.2                                                                                                           | Accounts      Subject to Vesting Schedule                                                 | 29 |
| 4.3                                                                                                           | Special      Vesting Rules                                                                | 29 |
| ARTICLE      5: LIMITATIONS ON CONTRIBUTIONS                                                                  | 30                                                                                        |
| 5.1                                                                                                           | Limitation      on Elective Deferrals                                                     | 30 |
| 5.2                                                                                                           | ADP      Limitation                                                                       | 31 |
| 5.3                                                                                                           | ACP      Limitation                                                                       | 33 |
| 5.4                                                                                                           | Maximum      Limitations on Annual Additions                                              | 34 |
| 5.5                                                                                                           | Deduction      Limitation                                                                 | 35 |
| ARTICLE      6: THE FUND, INVESTMENTS, AND ACCOUNTING                                                         | 35                                                                                        |
| 6.1                                                                                                           | Trust      Fund                                                                           | 35 |
| 6.2                                                                                                           | Investment      Funds in the Non-ESOP Component and the ESOP Component                    | 36 |
| 6.3                                                                                                           | Participants’      Designation of Investments Funds under the Non-ESOP    Component | 37 |
| 6.4                                                                                                           | Participants’      Designation of Investment in Company Stock                       | 37 |
| 6.5                                                                                                           | Diversification      of ESOP Accounts                                                     | 38 |
| 6.6                                                                                                           | Reserved                                                                                  | 40 |
| 6.7                                                                                                           | Allocation      and Crediting of Employer Contributions                                   | 40 |
| 6.8                                                                                                           | Valuation      of Investment Funds and Adjustment of Non-ESOP Accounts                    | 40 |
| 6.9                                                                                                           | Adjustment      of ESOP Accounts                                                          | 40 |
| 6.1                                                                                                           | Former      Participants and Beneficiaries                                                | 42 |
| 6.11                                                                                                          | Participant      Loans                                                                    | 42 |
| 6.12                                                                                                          | Exempt      Loans                                                                         | 45 |
| ARTICLE      7: DISTRIBUTION                                                                                  | 48                                                                                        |
| 7.1                                                                                                           | Distribution      Options for Participants who Retire or Incur a Disability               | 48 |
| 7.2                                                                                                           | Distribution      Options Upon Death                                                      | 49 |
| 7.3                                                                                                           | Distribution      Options Upon Termination of Employment/Permanent Layoff                 | 49 |
| 7.4                                                                                                           | Form      of Distributions                                                                | 50 |
| 7.5                                                                                                           | Forfeitures                                                                               | 50 |
| 7.6                                                                                                           | Amount      of Distribution                                                               | 51 |
| 7.7                                                                                                           | Participant’s      Right to Consent to Distributions                                | 51 |
| 7.8                                                                                                           | Time      When Distributions Must Commence                                                | 52 |
| 7.9                                                                                                           | Hardship                                                                                  | 56 |
| 7.1                                                                                                           | Inability      to Locate Distributee                                                      | 58 |
| 7.11                                                                                                          | Restrictions      on In-Service Distributions                                             | 58 |
| 7.12                                                                                                          | Direct      Rollovers                                                                     | 58 |
| 7.13                                                                                                          | Qualified      Domestic Relations Orders                                                  | 59 |
| ARTICLE      8: ADMINISTRATION OF THE PLAN                                                                    | 59                                                                                        |
|                                                                                                          |                                                                                      |   |
| 8.1                                                                                                           | Appointment      of ESOP Committee                                                        | 59 |
| 8.2                                                                                                           | Named      Fiduciaries                                                                    | 60 |
| 8.3                                                                                                           | Allocation      of Fiduciary and Other Responsibilities                                   | 60 |
| 8.4                                                                                                           | Quorum      and Voting; Procedures                                                        | 61 |
| 8.5                                                                                                           | Service      in Multiple Capacities                                                       | 61 |
| 8.6                                                                                                           | Powers      and Authority                                                                 | 61 |
| 8.7                                                                                                           | Powers      of Plan Administrator                                                         | 61 |
| 8.8                                                                                                           | Powers      of Committee                                                                  | 62 |
| 8.9                                                                                                           | Advisors                                                                                  | 63 |
| 8.1                                                                                                           | Powers      Not Exclusive                                                                 | 63 |
| 8.11                                                                                                          | Limitation      of Liability; Indemnity                                                   | 63 |
| ARTICLE      9: AMENDMENT OF THE PLAN                                                                         | 63                                                                                        |
| 9.1                                                                                                           | Amendment                                                                                 | 63 |
| ARTICLE      10: TERMINATION OF THE PLAN; MERGER                                                              | 64                                                                                        |
| 10.1                                                                                                          | Termination                                                                               | 64 |
| 10.2                                                                                                          | Plan      Merger                                                                          | 64 |
| ARTICLE      11: LIMITATION OF RIGHTS OF PARTICIPANTS, FORMER  PARTICIPANT      & BENEFICIARIES | 65                                                                                        |
| 11.1                                                                                                          | No      Employment Rights                                                                 | 65 |
| 11.2                                                                                                          | Spendthrift      Clause                                                                   | 65 |
| 11.3                                                                                                          | Incompetents                                                                              | 65 |
| 11.4                                                                                                          | Minors                                                                                    | 65 |
| 11.5                                                                                                          | Doubt      as to Identity                                                                 | 66 |
| 11.6                                                                                                          | Discharge      of Liability                                                               | 66 |
| ARTICLE      12: TOP-HEAVY PROVISIONS                                                                         | 66                                                                                        |
| 12.1                                                                                                          | Application      of Article 12                                                            | 66 |
| 12.2                                                                                                          | Top-Heavy      Determination                                                              | 66 |
| 12.3                                                                                                          | Reserved                                                                                  | 66 |
| 12.4                                                                                                          | Minimum      Contributions                                                                | 67 |
| 12.5                                                                                                          | Reserved                                                                                  | 67 |
| 12.6                                                                                                          | Definitions                                                                               | 67 |
| ARTICLE      13: RIGHTS, RESTRICTIONS, AND OPTIONS ON COMPANY STOCK                                           | 69                                                                                        |
| 13.1                                                                                                          | Right      of First Refusal                                                               | 69 |
| 13.2                                                                                                          | Put      Option                                                                           | 69 |
| 13.3                                                                                                          | Share      Legend; Other Restrictions                                                     | 70 |
| 13.4                                                                                                          | Nonterminable      Rights                                                                 | 70 |
| ARTICLE      14: VOTING AND TENDERING OF STOCK                                                                | 70                                                                                        |
| 14.1                                                                                                          | Voting      of Company Stock                                                              | 70 |
| 14.2                                                                                                          | Tendering      of Company Stock                                                           | 71 |
|                                                                                                          |                                                                                      |   |
| ARTICLE      15: MISCELLANEOUS                                                                                | 71                                                                                        |
| 15.1                                                                                                          | Severability                                                                              | 71 |
| 15.2                                                                                                          | Captions                                                                                  | 71 |
| 15.3                                                                                                          | Construction                                                                              | 71 |

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|   | · | A      Non-ESOP Component intended to meet the applicable requirements of Section      401(a) of the Internal Revenue Code of 1986 (the “Code”), including a cash      or deferred arrangement intended to qualify under Section 401(k) of the      Code. |
|--------|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | · | An      ESOP Component that is designed to invest primarily in stock of the      Company and that is intended to meet the applicable requirements of      Sections 401(a), 409, and 4975(e)(7) of the Code and Section 407(d)(6) of      the Employee Retirement Income Security Act of 1974 (“ERISA”), which also      includes a cash or deferred arrangement intended to qualify under Section      401(k) of the Code. |
|--------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.1 | ACP |
|-----|-----|

| (a) | The      term “Actual Contribution Ratio” means, for each Employee for any Plan      Year, the ratio of: |
|-----|----------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      sum of the amount of Matching Contributions actually paid into the Fund on      behalf of such Employee for such Plan Year,to |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      Employee’s compensation (within the meaning of Section 414(s) of the Code)      for such Plan Year. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

| (b) | The      Actual Contribution Ratio shall be calculated separately based upon the      Matching Contributions made on behalf of such Employee for such Plan Year      to the ESOP Component and to the Non-ESOP Component and separately for      Bargaining Unit Employees. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      Actual Contribution Ratio for any HCE who is a participant under two or      more arrangements described in Code Section 401(k) sponsored by the      Company or a Related Company shall be determined as if all such      arrangements (except plans that may not be aggregated under applicable      regulations) were one sucharrangement. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.3 | Actual      Deferral Ratio |
|-----|----------------------------|

| (a) | The      term “Actual Deferral Ratio” means, for each Employee for any Plan Year,      the ratio of: |
|-----|------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      sum of the amount of Elective Contributions actually paid into the Fund on      behalf of such Employee for such Plan Year,to |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      Employee’s compensation (within the meaning of Section 414(s) of the Code)      for such Plan Year. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | The      Actual Deferral Ratio shall be calculated separately based upon the      Elective Contributions made on behalf of such Employee for such Plan Year      to the ESOP Component and to the Non-ESOP Component, and separately for      Bargaining Unit Employees. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      Actual Deferral Ratio for any HCE who is a participant under two or more      arrangements described in Code Section 401(k) sponsored by the Company or      a Related Company shall be determined as if all such arrangements (except      plans that may not be aggregated under applicable regulations) were one      such arrangement. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.4 | ADP |
|-----|-----|

| 1.5 | Affiliate |
|-----|-----------|

| 1.6 | Annual      Additions |
|-----|-----------------------|

| (a) | The      term “Annual Additions” means the sum credited to a Participant for any      Limitation Year of: |
|-----|-----------------------------------------------------------------------------------------------------------------------|

|   | (1) | employer      contributions, |
|--------|-----|------------------------------|

|   | (2) | Employee      contributions, |
|--------|-----|------------------------------|

|   | (3) | forfeitures, |
|--------|-----|--------------|

|   | (4) | amounts      allocated to an individual medical account (as defined in Section      415(l)(2) of the Code) that is part of a pension or annuity plan      maintained by the Company or an Affiliate,and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | amounts      derived from contributions paid or accrued after December 31, 1985 in      taxable years ending after such date, that are attributable to      post-retirement medical benefits allocated to the separate account of a      key employee (as defined in Section 419A(d)(3) of the Code) under a      welfare benefit fund (as defined in Section 419(e) of the Code) maintained      by the Company or an Affiliate. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | The      term Annual Additions shall not include any Rollover Contribution made by      a Participant under the Plan. |
|--------|-----------------------------------------------------------------------------------------------------------------------|

| (b) | In      all instances, the determination of a Participant’s Annual Additions for      any Limitation Year shall be made in accordance with Code Section 415 and      the regulations there under, as amended, the provisions of which are      hereby incorporated by reference. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.7 | Bargaining      Unit Employee |
|-----|-------------------------------|

| 1.8 | Beneficiary |
|-----|-------------|

| (a) | The      word “Beneficiary” means any person designated in writing by a Participant      in accordance with prescribed rules, to receive any distribution in the      event of the death of the Participant, or, if no such designation is in      effect, then the surviving spouse, or children, or the estate of the      Participant in such order ofpriority. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Notwithstanding      subsection (a) above, a Participant’s sole Beneficiary shall be his      surviving spouse (if he has a surviving spouse) unless he has designated      another Beneficiary with the written consent of such spouse (which consent      shall not be effective unless it acknowledges the effect of such      designation and is witnessed by a notary public).  Any change in      a Beneficiary designation by a Participant that has the effect of naming a      person other than the surviving spouse as sole Beneficiary is subject to      the above consent requirement.  Notwithstanding the foregoing,      if a Participant establishes to the satisfaction of the Plan Administrator      or his delegate that written consent cannot be obtained because the spouse      cannot be located, or because of such other circumstances as permitted      under applicable law, the spouse whose written consent was unobtainable      will be deemed to have consented to any designation or change of      Beneficiary.  Any such consent shall be effective only with      respect to the spouse who gave or was deemed to have given the consent and      shall be irrevocable. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.9 | Closing      Date |
|-----|-------------------|

----

| 1.11 | Combined      Account |
|------|-----------------------|

| 1.12 | Committee |
|------|-----------|

| 1.13 | Company |
|------|---------|

| (a) | The      word “Company” means Appleton Papers Inc., a Delaware corporation, and its      predecessors and successors in interest, as  appropriate. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      word “Company” also means any subsidiary or other Affiliate of Appleton      Papers Inc. that adopts the Plan with the approval of the Board of      Directors of Appleton Papers Inc., subject to the provisions of Section      2.7. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the foregoing, for purposes of Sections 1.14, 7.4 and 14.2 the word      “Company” means Paperweight Development Corp., a Wisconsin corporation,      and its predecessor and successors in interest, as      appropriate. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.14 | Company      Stock |
|------|--------------------|

----

| (a) | The      word ‘Compensation’ means, for any Limitation Year, the total wages,      salaries, fees and other amounts received by or made available to a      Participant for personal services actually rendered in the course of      employment with the Company, as determined under regulations implementing      Section 415 of the Code, and shall include, (i) any elective deferral (as      defined in Code Section 402(g)(3)), and (ii) any amount which is      contributed or deferred by the Company at the election of the Participant      and which is not includible in the gross income of the Participant by      reason of Code Sections 125, 132(f)(4) or457. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Amounts      under Code Section 125 include any amounts not available to a Participant      in cash in lieu of group health coverage because the Participant is unable      to certify that he or she has other health coverage.  An amount      will be treated as an amount under Code Section 125 only if the Company      does not request or collect information regarding the Participant’s other      health coverage as part of the enrollment process for the health      plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.16 | Covered      Compensation |
|------|---------------------------|

| (a) | The      term “Covered Compensation” means, for any Plan Year, the regular wages or      salary paid by the Company to a Participant for services during such      period, including overtime, bonus, sales bonus and similar pay, but      excluding any military allowances and all other special payments and      determined before any Savings Percentage election made pursuant to Section      2.2 or salary reduction elections under a cafeteria plan under Code      Section 125 or a qualified transportation fringe program under Code      Section 132(f). |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      addition to other applicable limitations set forth in the Plan, and      notwithstanding any other provision of the Plan to the contrary, the      annual Covered Compensation of each Participant taken into account in      determining allocations for any Plan Year shall not exceed $220,000, as      adjusted for cost-of-living increases in accordance with Section      401(a)(17)(B) of the Code.  Annual Covered Compensation means      compensation during the Plan Year or such other consecutive 12-month      period over which compensation is otherwise determined under the Plan (the      determination period).  The cost-of-living adjustment in effect      for a calendar year applies to annual compensation for the determination      period that begins with or within such calendar  year. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.17 | Date      of Employment |
|------|-------------------------|

| 1.18 | Date      of Severance |
|------|------------------------|

| (a) | The      term “Date of Severance” means the earlierof: |
|-----|--------------------------------------------------------------------|

----

| (1) | the      date on which an Employee quits, retires, is discharged or dies,      or |
|-----|-----------------------------------------------------------------------------------|

| (2) | the      first anniversary of the first date on which an Employee remains absent      from employment with the Company or a Related Company for any reason other      than those described in paragraph (1)above. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

| 1.19 | Disability |
|------|------------|

| 1.20 | Elective      Account |
|------|-----------------------|

| 1.21 | Elective      Contributions |
|------|-----------------------------|

| 1.22 | Elective      Deferrals |
|------|-------------------------|

| 1.23 | Employee |
|------|----------|

| (a) | The      word “Employee” means any person employed by the Company with the      exception of leased employees within the meaning of Section 414(n) of the      Code and Temporary Employees. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      all purposes of the Plan, an individual shall be an Employee of or be      “employed” by the Company for any Plan Year only if such individual is      treated by the Company as an Employee for purposes of employment taxes and      wage withholding for federal income taxes.  If      an individual is not considered to be an Employee of the Company for a      Plan Year in accordance with the preceding sentence, a subsequent      determination by the Company, any governmental agency or court that the      individual is a common law employee of the Company, even if such      determination is applicable to prior years, will not have a retroactive      effect for purposes of eligibility to participate in the      Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.24 | Entry      Date |
|------|-----------------|

| 1.25 | ERISA |
|------|-------|

| 1.26 | ESOP      Accounts |
|------|--------------------|

| 1.27 | ESOP      Cash Account |
|------|------------------------|

| 1.28 | ESOP      Component |
|------|---------------------|

| 1.29 | ESOP      Elective Account |
|------|----------------------------|

----

| 1.30 | ESOP      Loan Account |
|------|------------------------|

| 1.31 | ESOP      Matching Account |
|------|----------------------------|

| 1.32 | ESOP      Profit Sharing Account |
|------|----------------------------------|

| 1.33 | ESOP      Rollover Account |
|------|----------------------------|

| 1.34 | ESOP      Stock Account |
|------|-------------------------|

| 1.35 | ESOP      Transfer Account |
|------|----------------------------|

----

| 1.36 | Exempt      Loan |
|------|------------------|

| 1.37 | FMV      of Company Stock |
|------|---------------------------|

| 1.38 | Former      Participant |
|------|-------------------------|

| 1.39 | Fund |
|------|------|

| 1.40 | HCE |
|------|-----|

| (a) | The      term “HCE” means any Employee who is a highly compensated employee as      defined in Section 414(q) of the Code, which includes any Employee      who: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | was      at any time a 5% owner (as defined in Section 416(i)(1) of the Code) of      the Company or a Related Company during the Plan year or the preceding      Plan Year; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | for      the preceding Plan Year: |
|--------|-----|-----------------------------------|

|   | (A) | received      Compensation from the employer in excess of $100,000 (as adjusted from      time to time by the Commissioner for increases in the cost of living in      accordance with Section 414(q)(1) of the Code);  and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | was      in the top paid group of Employees for such preceding  year. |
|--------|-----|-----------------------------------------------------------------------|

----

| (b) | Reserved. |
|-----|-----------|

| (c) | With      respect to a Plan Year being tested, the determination of who is an HCE,      including but not limited to the determinations of the number and identity      of the Employees in the top-paid group and the compensation that is      considered, will be made in accordance with Code Section 414(q) and the      regulations there under. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.41 | Hour      of Service |
|------|----------------------|

| (a) | The      term “Hour of Service” means: |
|-----|----------------------------------------------------|

|   | (1) | each      hour for which an Employee is paid, or entitled to payment, for the      performance of duties for the Company or a Related      Company.  These hours shall be credited to the Employee for the      computation period or periods in which the duties are      performed; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | each      hour for which an Employee is paid, or entitled to payment, by the Company      or a Related Company on account of a period of time during which no duties      are performed (irrespective of whether the employment relationship has      terminated) due to vacation, holiday, illness, incapacity (including      Disability), layoff, jury duty, military duty or leave of absence;      and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | each      hour for which back pay, irrespective of mitigation of damages, is either      awarded or agreed to by the Company or a Related Company.  The      same Hours of Service shall not be credited both under paragraph (1) or      paragraph (2), as the case may be, and under this paragraph      (3).  These hours shall be credited to the Employee for the      computation period or periods to which the award or agreement pertains      rather than the computation period in which the award, agreement or      payment is made. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Hours      of service shall be calculated and credited under this Section 1.38      pursuant to Section 2530.200b-2 of the Department of Labor Regulations,      incorporated herein by reference, and in accordance with the Family and      Medical Leave Act of 1992 and regulations promulgated      thereunder |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      any provision of this Plan to the contrary, contributions, benefits and      service credit with respect to qualified military service will be provided      in accordance with Code Section414(u). |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.42 | Independent      Appraiser |
|------|----------------------------|

----

| 1.44 | Limitation      Year |
|------|----------------------|

| 1.45 | Matching      Account |
|------|-----------------------|

| 1.46 | Matching      Contributions |
|------|-----------------------------|

| 1.47 | MSP |
|------|-----|

| 1.48 | Non-ESOP      Accounts |
|------|------------------------|

| 1.49 | Non-ESOP      Component |
|------|-------------------------|

| 1.50 | Non-ESOP      Loan Account |
|------|----------------------------|

----

| 1.51 | NHCE |
|------|------|

| 1.52 | Participant      Loan |
|------|-----------------------|

| 1.53 | Participant |
|------|-------------|

| 1.54 | Pay      Period; Pay Date |
|------|---------------------------|

| 1.55 | Period      of Service |
|------|------------------------|

| 1.56 | Period      of Severance |
|------|--------------------------|

| (a) | The      term “Period of Severance” means the period of time commencing on a Date      of Severance and ending on the date on which an Employee again performs an      Hour of Service; provided, however, the first twelve (12)-consecutive      months of absence from work after a Severance Date shall not be included      within a Period of Severance if such absence is for maternity or paternity      reasons (as defined below). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | For      purposes of this Section 1.56, an absence from work for maternity or      paternity reasons means a cessation of active employment (and continuous      absence from such employment) |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | by      reason of the pregnancy of theindividual, |
|--------|-----|---------------------------------------------------|

|   | (2) | by      reason of the birth of a child of the  individual, |
|--------|-----|------------------------------------------------------------|

|   | (3) | by      reason of the placement of a child with the individual in connection with      the adoption of such child by such individual,  or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | for      purposes of caring for such child for a period beginning immediately      following such birth or placement. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

| 1.57 | Plan |
|------|------|

| 1.58 | Plan      Administrator |
|------|-------------------------|

| 1.59 | Plan      Year |
|------|----------------|

| 1.60 | Profit      Sharing Account |
|------|-----------------------------|

| 1.61 | Profit      Sharing Contribution |
|------|----------------------------------|

----

| (a) | The      term “Related Company” means, for an applicable  period: |
|-----|-------------------------------------------------------------------------------|

|   | (1) | any      corporation that is a member of a controlled group of corporations (within      the meaning of Section 414(b) of the Code and the regulations there under)      that includes the Company, or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | any      trade or business (whether or not incorporated) that is under common      control with the Company, as determined in accordance with Section 414(c)      of the Code and the regulations there under,or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | any      organization that is a member of an “affiliated service group” (within the      meaning of Code Section 414(m) and the regulations there under) that      includes the Company, or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | any      other entity required to be aggregated with the Company pursuant to      regulations promulgated under Section 414(o) of the Code,    or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | for      purposes of Section 2.3, any group of individuals approved by the Board of      Directors of the Company. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

| 1.63 | Retirement |
|------|------------|

| 1.64 | Rollover      Account |
|------|-----------------------|

| 1.65 | Rollover      Contribution |
|------|----------------------------|

| 1.66 | Savings      Percentage |
|------|-------------------------|

| 1.67 | Service |
|------|---------|

| 1.68 | Suspense      Account |
|------|-----------------------|

| 1.69 | Temporary      Employee |
|------|-------------------------|

| 1.70 | Trust      Agreement |
|------|----------------------|

| 1.71 | Trustee |
|------|---------|

| 1.72 | Valuation      Date |
|------|---------------------|

----

| 2.1 | Eligibility |
|-----|-------------|

| (a) | Each      Employee who was previously participating in the Plan shall continue to      participate in the Plan, as amended and restated, subject to the terms of      the Plan; |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Each      Employee who is hired on a full-time basis (other than a Bargaining Unit      Employee) shall be eligible to become a Participant as of his or her Date      of Employment; and |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | An      Employee who is a Bargaining Unit Employee shall be eligible to become a      Participant on the first day he or she becomes eligible for welfare      benefits as determined under the collective bargaining agreement covering      such Bargaining Unit Employee. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Each      regular Employee not described in subsections (a), (b) or (c) above shall      be eligible to become a Participant on the first day of the calendar year      quarter following the first anniversary of his Date of Employment, if he      has completed 1,000 Hours of Service within the 12-month period beginning      on such Date of Employment.  An Employee subject to this      subsection who does not complete 1,000 Hours of Service in that initial      12-month period shall be eligible to become a Participant on the first day      of the calendar year quarter next following the close of the first Plan      Year in which he completes 1,000 Hours of  Service. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.2 | Terms      of Participation |
|-----|-----------------------------|

| (a) | Subject      to the limitations set forth herein, an eligible Employee may become a      Participant in the Plan by electing a Savings Percentage of any whole      percentage of the Participant’s Covered Compensation in an amount not less      than two percent (2%) nor more than fifteen percent (15%) of such Covered      Compensation; provided that the Company may, in its sole discretion,      increase the maximum percentage on a year-by-year basis to the extent      permitted by law.  A Savings Percentage election shall be made      in writing on a form prescribed and provided by the Plan Administrator,      and shall include an agreement by the Employee to reduce his cash      remuneration by an amount equal to such Savings Percentage.  In      addition, all Employees who are eligible to make Elective Contributions      under this Plan and who have attained age 50 before the close of the Plan      Year shall be eligible to make catch-up contributions in accordance with,      and subject to the limitations of, Section 414(v) of the      Code.  Such catch-up contributions shall not be taken into      account for purposes of the provisions of the Plan implementing the      required limitations of Sections 402(g) and 415 of the      Code.  The Plan shall not be treated as failing to satisfy the      provisions of the Plan implementing the requirements of Section 401(k)(3),      401(k)(11), 401(k)(12), 410(b), or 416 of the Code, as applicable, by      reason of the making of such catch-up  contributions. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | An      Employee’s Savings Percentage election under subsection (a) above shall be      effective upon the first Pay Date occurring on or after the Entry Date      following the date he files an election form; provided the required form      is completed, signed and received by the Company in such form and at such      time the Plan Administrator mayrequire. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Participant may change the percentage designation of his election as of      any Pay Date, and may terminate his election at any time, provided that      such Participant notifies the Plan Administrator in such form and at such      time as the Plan Administrator may require, but in all events prior to the      proposed effective date of such change or termination.  A      termination shall take effect as soon as administratively practical after      notification is received by the Company, but in no event later than 30      days thereafter.  A Participant who so terminates his election      may make a new election as provided in this Section  2.2. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Notwithstanding      any other provision of the Plan, in the event the Plan Administrator is      notified (in such form and manner as the Plan Administrator may designate)      by a Participant of an error in the implementation of a Savings Percentage      election, the Company shall correct such error retroactive to the date      implementation normally would have occurred, provided such notice is given      not more than thirty (30) days after publication of the first Participant      statement by the plan recordkeeper (whether produced electronically or in      hard copy) after such error occurs.  A Savings Percentage      election that is not implemented, and is not corrected as provided herein,      shall be deemed to be null and void, and of no effect      whatever. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | The      Company shall contribute, on behalf of each Participant who elects to      credit to this Plan the payment of certain elective benefit credits under      an applicable flexible benefits plan of the Company, if any, 100% of the      value of such credits to such Participant’s Elective Account under the      Non-ESOP Component. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.3 | Transferred      Employees |
|-----|----------------------------|

| (a) | Except      as provided below in this Section 2.3, each person who is transferred to      the Company from a Related Company shall become eligible to enroll as a      Participant upon his compliance with the eligibility requirements of      Section 2.1 above. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Periods      of employment with a Related Company or a series of Related Companies      shall be included in determining an Employee’s compliance with the      eligibility requirements for participation in the Plan and for purposes of      vesting under Article 4 and for purposes of determining whether the      termination of employment of an Employee is a Retirement as the word is      defined in Article 1. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      a Participant is transferred to employment with a Related Company or a      series of Related Companies, he shall not be deemed to have retired or      terminated his Service or employment for purposes of this Plan until such      time as he is employed neither by the Company nor by any Related      Company.  Upon Retirement, Disability, death, layoff or      termination from service of such a Participant while in the employ of a      Related Company, distribution shall be made in accordance with this Plan      as if such Participant had      been retired, become Disabled, died, been laid off, or terminated his      service in the employ of theCompany. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (d) | Nothing      in this Section 2.3 shall be construed to authorize a Participant to share      in contributions under this Plan with respect to remuneration paid to him      by a Related Company. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.4 | Reemployment |
|-----|--------------|

| 2.5 | Bargaining      Unit Employees |
|-----|--------------------------------|

| 2.6 | Leased      Employees |
|-----|-----------------------|

| (a) | If      any person who is not an Employee of the Company provides services to the      Company (or a Related Company) on a substantially full-time basis for a      period of at least one year, such periods shall be counted as if such      person had been an Employee in calculating Hours of Service for purposes      of determining eligibility to participate under Section 2.1, and in      calculating Service for purposes of vesting under Article 4, but only      if: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | such      services are provided pursuant to an agreement between the Company and any      other person; and |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

|   | (2) | such      services are performed under the primary direction and control of the      Company. |
|--------|-----|-----------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

----

| 2.7 | Adoption      by Affiliate |
|-----|----------------------------|

| 3.1 | Matching      Contributions |
|-----|-----------------------------|

| (a) | Amount of      Contribution |
|-----|-----------------------------|

|   | (1) | Non-Bargaining      Unit Employees – A contribution to the Participant’s ESOP Matching Account      equal to the sum of: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | 100%      of the Participant’s Savings Percentage invested under the ESOP Component      of the Plan; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (B) | 50%      of the Participant’s Savings Percentage invested under the Non-ESOP      Component of the Plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

|   | (2) | Bargaining      Unit Employees (Appleton): |
|--------|-----|--------------------------------------------|

|   | (A) | 100%      of the Participant’s Saving Percentage invested under the ESOP Component      of the Plan; and |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

|   | (B) | 50%      of the Participant’s Savings Percentage invested under the Non-ESOP      Component of the Plan, |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

|   | (3) | Bargaining      Unit Employees (West Carrollton and Roaring Spring):  A      contribution to the Participant’s ESOP Matching Account equal to 100% of      the portion of the Participant’s Savings Percentage invested under the      ESOP Component of the Plan not in excess of 6% of Covered      Compensation. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (4) | Bargaining      Unit Employees (employed at Roaring Spring and not receiving a      contribution toward retiree medical) will receive a Matching Contribution,      in addition to the contribution specified in Section 3.2(a)(2) above, of      50% of the portion of the Participant’s Savings Percentage not in excess      of 6% of Covered Compensation.  Such Matching Contribution shall      be invested in either the ESOP Component or the Non-ESOP Component of the      Plan in the same manner as the Participant’s Savings Percentage to which      the Matching Contribution relates. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Bargaining      Unit Employees (Harrisburg): |
|--------|-----|----------------------------------------------|

|   | (A) | 100%      of the Participant’s Savings Percentage invested under the ESOP Component      of the Plan; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (B) | 75%      of the Participant’s Savings Percentage invested under the Non-ESOP      Component of the Plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

|   | (6) | Bargaining      Unit Employees (Kansas City): |
|--------|-----|-----------------------------------------------|

|   | (A) | 100%      of the Participant’s Savings Percentage invested under the ESOP Component      of the Plan; and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (B) | 80%      of the Participant’s Savings Percentage invested under the Non-ESOP      Component of the Plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------------|

| (b) | The      Company may, by resolution of its Board of Directors and in its sole and      absolute discretion, increase or decrease the percentage factors set forth      above for a given Plan Year, and from year to year, based on profitability      or such other reasons that it deemsappropriate |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | In      addition, at or as of the end of each Plan Year, the Company shall      contribute on behalf of each Participant who has not received the maximum      available Matching Contribution on Elective Deferrals made pursuant to a      Savings Percentage election for such Plan Year, an additional Matching      Contribution equal to the difference (if any) between (1) the amount of      Matching Contribution the Participant would have received under the      formulas above if his or her Savings Percentage had been made on a level      basis throughout that Plan Year, and (2) the amount previously contributed      as a Matching Contribution by the Company      for such Plan Year.  Such additional Matching Contribution shall      in all events be made in the form of Company  Stock. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 3.2 | Discretionary      Profit Sharing Contribution |
|-----|------------------------------------------------|

| (a) | Subject      to the limitations set forth herein, the Company, in its discretion, may      determine whether a Profit Sharing Contribution shall be made to the      Non-ESOP Component of the Plan for a Plan Year, and if so, the amount to      be contributed.  Such amounts shall be credited to each eligible      Participant’s Profit Sharing Account and shall be subject to the      Participant’s investment direction under Section  6.3. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Subject      to the limitations set forth herein, the Company, in its discretion, may      determine whether a Profit Sharing Contribution shall be made to the ESOP      Component of the Plan for a Plan Year, and if so, the amount to be      contributed.  Such allocated amounts shall be credited to each      eligible Participant’s ESOP Profit Sharing Account subject to the      limitations and rules governing the ESOP Component of the      Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.3 | Time      and Medium of Payment of Contributions; Allocation  Rules |
|-----|---------------------------------------------------------------------|

| (a) | Elective      Contributions |
|-----|-----------------------------|

|   | (1) | Timing.  The      Company shall pay Participants’ Elective Contributions over to the Trustee      as soon as practicable. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Medium.  The      Company shall pay Participants’ Elective Contributions over to the Trustee      in cash. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------|

| (b) | Matching      Contributions |
|-----|-----------------------------|

|   | (1) | Timing |
|--------|-----|--------|

|   | (A) | Contributions      to the Non-ESOP Component of the Plan shall be made within 60 days      following the Pay Date during which the Elective Contributions to which      such Matching Contributions relate would have been  paid. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Contributions      to the ESOP Component of the Plan shall be made as of the Valuation Date      following the Pay Date during which the Elective Contributions to which      such Matching Contributions relate would have been paid, and shall be      based on the FMV of Company Stock as of the preceding or following      Valuation Date (whichever islower). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Form of      Contribution.  The Company shall make Matching      Contributions required under the Non-ESOP Component in the form of Company      Stock or cash as determined by the Board of Directors of the Company in      its sole discretion. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | The      Company shall make Matching Contributions required under the ESOP      Component in the form of Company Stock or cash, as determined by the Board      of Directors of the Company in its sole  discretion. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Profit Sharing      Contributions |
|-----|-----------------------------------|

|   | (1) | Timing.  Profit      Sharing Contributions to either the Non-ESOP Component or the ESOP      Component of the Plan shall be made by the due date of the Company’s tax      return (including extensions) for the year to which such contributions      relate. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Form of      Contribution.  The Company shall make any Profit Sharing      Contributions under the Non-ESOP Component in the form of      cash.  The Company shall make any Profit Sharing Contributions      under the ESOP Component in the form of Company Stock or cash to be      invested in Company Stock, as determined by the Board of Directors of the      Company in its sole discretion. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Eligibility to Receive an      Allocation of Profit Sharing Contribution.  In general,      an individual must be (A) eligible to participate in the Plan and (B)      employed on the last day of a Plan Year to which a Profit Sharing      Contribution relates in order to share in such Profit Sharing      Contribution.  However, Participants who cease to be Employees      during the Plan Year by reason of death, Disability or Retirement shall be      eligible to share in such Profit Sharing Contribution.  In its      resolutions declaring a Profit Sharing Contribution to the Plan, the      Company may impose other conditions upon eligibility to share in such      Profit Sharing Contribution, including without limitation a provision that      the Profit Sharing Contribution be allocated only to Participants at a      certain division or location. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Allocation of Profit Sharing      Contributions.  Participants eligible to receive an      allocation of such Profit Sharing Contribution shall share in such      Contribution in proportion to their relative amounts of Covered      Compensation for that portion of the Plan Year during which they were      eligible to participate in thePlan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Special Profit Sharing      Contributions.  Notwithstanding paragraphs (3) and (4)      above, a special Profit Sharing Contribution of $1,000 shall be allocated      to the Non-ESOP Profit Sharing Account of each Bargaining Unit Employee      (Appleton) when his work area completes the work system redesign conducted      during 2005 and 2006 or, if his work area does not participate in a      redesign, when all redesigns arecomplete. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.4 | Reinstatements |
|-----|----------------|

----

| 3.6 | Rollover      Contributions |
|-----|-----------------------------|

| (a) | The      Committee may, under uniform rules applied on a consistent and      non-discriminatory basis, permit the Trustee to accept Participant      Rollover Contributions and/or direct rollovers of distributions from the      types of plans specified below; provided, however, that in the opinion of      the Committee or its legal counsel, the Rollover Contribution and/or      direct rollover of an eligible rollover distribution will not jeopardize      the tax-exempt status of the Plan or the Trust or create adverse tax      consequences for the Employer: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Direct      rollovers from: |
|--------|-----|-----------------------------|

|   | (A) | a      qualified plan described in Section 401(a) or 403(a) of the Code,      excluding after-tax employeecontributions; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (B) | an      annuity contract described in Section 403(b) of the Code, excluding      after-tax employee contributions;and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

|   | (C) | an      eligible plan under Section 457(b) of the Code which is maintained by a      state, political subdivision of a state, or any agency or instrumentality      of a state or political subdivision of astate. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Participant      contributions from: |
|--------|-----|--------------------------------------|

|   | (A) | a      qualified plan described in Section 401(a) or 403(a) of the Code,      excluding after-tax employeecontributions; |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (B) | an      annuity contract described in Section 403(b) of the Code, excluding      after-tax employee contributions;and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

|   | (C) | an      eligible plan under Section 457(b) of the Code which is maintained by a      state, political subdivision of a state, or any agency or instrumentality      of a state or political subdivision of astate. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | The      portion of a distribution from an individual retirement account or annuity      described in Section 408(a) or 408(b) of the Code that is eligible to be      rolled over and would otherwise be including in gross    income. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | The      Committee may require such evidence as they deem appropriate to ensure      that any such Rollover Contribution to the Plan shall not adversely affect      its tax-qualified status. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (b) | In      no event shall a Rollover Contribution be made to the Plan in the form of      a direct transfer from any tax-qualified plan that is required to provide      benefits in the form of a qualified joint and survivor annuity or a      qualified pre-retirement survivor annuity, as defined in subsections (b)      and (c) of Code Section 417.  The Committee may, under uniform      rules applied on a consistent and nondiscriminatory basis, permit      Participants to direct that a portion of such Rollover Contribution be      invested in Company Stock under the ESOP Component of this      Plan. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.7 | Prohibited      Allocations of Stock in an SCorporation |
|-----|---------------------------------------------------------|

| 4.1 | Fully      Vested Accounts |
|-----|----------------------------|

| 4.2 | Accounts      Subject to Vesting Schedule |
|-----|-------------------------------------------|

| Service (In Years):           | Vesting Percentage |
|-------------------------------|--------------------|
| Less      than one            | 0%                 |
| One      but less than two    | 20%                |
| Two      but less than three  | 40%                |
| Three      but less than Four | 60%                |
| Four      but less than five  | 80%                |
| Five      or more             | 100%               |

| 4.3 | Special      Vesting Rules |
|-----|----------------------------|

| (a) | Retirement; |
|-----|-------------|

| (b) | Disability      while employed by the Company, a Related Company or an      Affiliate; |
|-----|----------------------------------------------------------------------------------------|

| (c) | Death      while employed by the Company, a Related Company or an      Affiliate; |
|-----|-----------------------------------------------------------------------------------|

| (d) | Upon      the complete discontinuance of employer contributions to the      Plan; |
|-----|-----------------------------------------------------------------------------------|

| (e) | Upon      the complete termination of the Plan;or |
|-----|---------------------------------------------------|

| (f) | Upon      the partial termination of the Plan, if the Participant is affected by      such partial termination. |
|-----|-----------------------------------------------------------------------------------------------------------------|

| 5.1 | Limitation      on Elective Deferrals |
|-----|---------------------------------------|

| (a) | Notwithstanding      any other provision of the Plan to the contrary, Elective Deferrals made      on behalf of a Participant in any calendar year under the Plan and all      plans, contracts or arrangements maintained by the Company or any Related      Company shall not exceed $15,000, as such amount may be adjusted in      accordance with Code Section 402(g) and the regulations there under, the      provisions of which are hereby incorporated by reference.  In      the event that the limitation set forth in the preceding sentence is      exceeded with respect to any Participant in any calendar year, the      Participant shall be deemed to have notified the Committee of such excess      amount (hereinafter referred to as “Excess Elective Deferrals”), and such      Excess Elective Deferrals, increased by any income and decreased by any      losses attributable thereto shall be distributed to the Participant no      later than April 15 of the following calendar  year. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Participant also participates in any other plans, contracts or      arrangements subject to the limitation set forth in Section 5.1(a) above      and has made Excess Elective Deferrals for any calendar year under this      Plan when combined with all other such plans, contracts or arrangements,      the Participant may notify the Committee in writing no later than March 1      of the following calendar year of the amount of Elective Deferrals made      under the Plan that constitute Excess Elective Deferrals.  Upon      such timely notification by a Participant, the Plan shall distribute such      Excess Elective Deferrals, increased by any income and decreased by any      losses attributable thereto no later than the April 15 of such following      calendar year; provided, however, that in no event may a Participant      receive from the Plan a distribution of Excess Elective Deferrals for a      calendar year in an amount exceeding the Participant’s total Elective      Deferrals under the Plan for such calendaryear. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | The      determination of the income and loss allocable to Excess Elective      Deferrals shall be made in accordance with Code Section 402(g) and the      regulations there under, as may be amended from time to    time. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      amount of Excess Elective Deferrals that may be distributed to a      Participant for a calendar year pursuant to this Section 5.1 shall be      reduced by any Excess Contributions (as defined in Section 5.2(b))      previously distributed with respect to the Participant for the Plan Year      beginning with or within such calendar year.  In the event of a      reduction under this Section 5.1(d), the amount of Excess Contributions      included in the gross income of the Participant and reported as a      distribution of Excess Contributions shall be reduced by the amount of the      reduction under this Section5.1(d). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Notwithstanding      any other provision of the Plan, to the extent that Excess Elective      Deferrals are distributed to a Participant under this Section 5.1, all      corresponding Matching Contributions (increased by any income and      decreased by any losses attributable thereto), if any, shall be forfeited      at the time of such distribution and shall be applied to reduce the      Company’s future contributions to thePlan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Excess      Elective Deferrals and income allocable thereto that are distributed to a      Participant in accordance with this Section 5.1 shall not be treated as an      Annual Addition to the Participant’s Combined Accounts for purposes of the      limitations set forth in Section5.4. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.2 | ADP      Limitation |
|-----|---------------------|

| (a) | Notwithstanding      any other provision of the Plan, in each Plan Year, the ADP for the group      of eligible HCEs shall satisfy one of the following  tests: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      ADP for the group of eligible HCEs for that Plan Year shall not exceed the      ADP for the group of eligible NHCEs for that same Plan Year multiplied by      1.25, or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | The      ADP for the group of eligible HCEs for that Plan Year shall not exceed the      ADP for the group of eligible NHCEs for that same Plan Year multiplied by      2.0, but not more than 2 percentage points in excess of the ADP for the      group of eligible NHCEs. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (1) | in      increments of one-tenth of one percent (.10%), commencing with the      elections by those HCEs with the highest dollar amount of deferrals,      or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | in      accordance with rules established and uniformly applied by the Plan      Administrator that are consistent with all applicable regulations under      the Code. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | In      the event that the Plan fails to satisfy the requirements set forth in      Section 5.2(a) above for any Plan Year, then the Excess Contributions and      any income or loss allocable thereto shall be distributed to the HCEs on      whose behalf such Excess Contributions were made, to the extent      practicable, within two and one-half months following the Plan Year for      which such Excess Contributions were made, but in no event later than the      close of the Plan Year following the Plan Year in which such Excess      Contributions were made.  The determination of the income and      loss allocable to Excess Contributions shall be made in accordance with      Code Section 401(k) and the regulations there  under. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      amount of Excess Contributions attributable to an individual HCE for a      Plan Year shall be calculated and distributed according to the following      procedures: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Step      1:  the total dollar amount of Excess Contributions is      determined by reducing the Elective Contributions made on behalf of HCEs      in the order of their ADPs, beginning with the highest of such percentages      and continuing until one of the tests described in Section 5.2(a) is      satisfied. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Step      2:  the amount determined in Step (1) above shall be distributed      beginning with the HCE with the highest dollar amount of Elective      Contributions to equal the dollar amount of the HCE with the next highest      dollar amount of Elective Contributions and continuing in succeeding order      of the HCEs until all Excess Contributions are accounted for as determined      in Step (1) above. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | The      amount of Excess Contributions to be distributed under this Section 5.2      with respect to HCEs for a Plan Year shall be reduced by the amount of      Excess Elective Deferrals previously distributed to the HCE for the      calendar year ending with or within the Plan  Year. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Notwithstanding      any other provision of the Plan, to the extent that Excess Contributions      are distributed to a Participant under this Section 5.2, all corresponding      Matching Contributions (increased by any income and decreased by any      losses attributable thereto), if any, shall be forfeited at the time of      such distribution and applied to reduce the Company’s future contributions      to the Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5.3 | ACP      Limitation |
|-----|---------------------|

| (a) | Notwithstanding      any other provision of the Plan, in each Plan Year, the ACP for the group      of eligible HCEs shall satisfy one of the following  tests: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      ACP for the group of eligible HCEs shall not exceed the ACP for the group      of eligible NHCEs for the Plan Year multiplied by 1.25,  or |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | The      ACP for the group of eligible HCEs shall not exceed the ACP for the group      of eligible NHCEs for the Plan Year multiplied by 2.0, but not more than 2      percentage points in excess of the ACP for the group of eligible      NHCEs. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      the event that the Plan exceeds the limitations set forth in Section      5.3(a) above for any Plan Year, then the excess Matching Contributions      (“Excess Aggregate Contributions”) and any income or loss allocable      thereto shall, to the extent vested (as determined in accordance with      Section 4.2 above), be distributed to the HCEs on whose behalf such Excess      Aggregate Contributions were made, to the extent practicable, within two      and one-half months following the Plan Year for which such Excess      Aggregate Contributions were made, but in no event later than the close of      the Plan Year following the Plan Year in which such Excess Aggregate      Contributions were made.  To the extent that Excess Aggregate      Contributions are not vested, such Excess Aggregate Contributions and any      income or loss allocable thereto shall be forfeited and applied to reduce      the Company’s future contributions to the Plan.  The      determination of the income and loss allocable to Excess Aggregate      Contributions and the application of forfeited Excess Aggregate      Contributions and the income and loss allocable thereto shall be made in      accordance with Code Section 401(m) and the regulations there      under. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      amount of Excess Aggregate Contributions attributable to an individual HCE      for a Plan Year shall be calculated and distributed according to the      following procedures: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Step      1:  the total dollar amount of Excess Aggregate Contributions is      determined by reducing the contributions made on behalf of HCEs in the      order of their ACPs, beginning with the highest of such percentages and      continuing until one of the tests described in Section 5.3(a) is      satisfied. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Step      2:  the amount determined in Step (1) above shall be      distributed, or if such amount is not vested, shall be forfeited,      beginning with the HCE with the highest dollar amount of Matching      Contributions to equal the dollar amount of the HCE with the next highest      dollar amount of Matching Contributions and continuing in succeeding      order of the HCEs until all Excess Aggregate Contributions are accounted      for as determined in Step (1)above. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5.4 | Maximum      Limitations on Annual Additions |
|-----|----------------------------------------------|

| (a) | Notwithstanding      any other provision of the Plan to the contrary, Annual Additions credited      under the Plan and all other defined contribution plans maintained by the      Company or an Affiliate with respect to each Participant for any      Limitation Year shall not exceed the lesserof: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | $40,000,      as adjusted from time to time by the Commissioner for increases in the      cost of living in accordance with Code Section 415,  or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | 100%      of the Participant’s Compensation for such Limitation  Year. |
|--------|-----|------------------------------------------------------------------------------|

| (b) | If      the Annual Additions credited under the Plan with respect to a Participant      for any Limitation Year exceed the limitations of Section 5.4(a) as a      result of the allocation of forfeitures, a reasonable error in estimating      the Participant’s Compensation, a reasonable error in determining the      amount of Elective Deferrals that the Participant may contribute or any      other circumstance permitted pursuant to the regulations and rulings      promulgated under Code Section 415, then the Elective Contributions made      by the Participant for the Limitation Year which constitute excess Annual      Additions, and any income allocable thereto, shall be distributed to the      Participant.  If, after such distribution, the Annual Additions      with respect to the Participant for the Limitation Year still exceed the      limitations set forth in Section 5.4(a) above, such excess amounts shall      be used to reduce Company contributions for the Participant for the next      Limitation Year (and succeeding Limitation Years, as necessary) if the      Participant is covered by the Plan at the end of the Limitation      Year.  If the Participant is not covered by the Plan as of the      end of the Limitation Year, then the excess amounts shall be held      unallocated in a suspense account for the Limitation Year and allocated      and reallocated in the next Limitation Year to all of the remaining      Participants, but only to the extent that such allocation or reallocation      would not cause the Annual Additions to such Participants to violate the      limitations of Code Section 415 for such Limitation Year.  If a      suspense account is in existence at any time during a Limitation Year, all      amounts in the suspense account must be allocated or reallocated before      any Company contributions or Elective Contributions which would constitute      Annual Additions may be made to the Plan for the Limitation Year (and      succeeding Limitation Years, as necessary) in accordance with the rules      set forth in Section 1.415-6(b)(6)(i) of the regulations under Section 415      of the Code.  If a suspense account is in effect, it shall share      in investment gains or losses. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      a Participant also participates in any other defined contribution plan or      plans maintained by the Company or an Affiliate which are subject to the      limitation set forth in Section 5.4(a) above and, as a result, such      limitation would be exceeded with respect to the Participant in any      Limitation Year, any reduction or other permissible method necessary to      ensure compliance with such limitation first shall be made under such      other plan or plans in accordance with the terms thereof.  If,      after such correction, a further      reduction      is necessary to ensure that the limitation set forth in Section 5.4(a)      above is not exceeded, Annual Additions credited under the Plan with      respect to the Participant shall be reduced in accordance with the      provisions of this Section5.4. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (d) | Reserved. |
|-----|-----------|

| (e) | The      determination of whether the Plan satisfies the requirements of this      Section 5.4 with respect to a Participant shall be made in accordance with      Code Section 415 and the regulations there under, the provisions of which      are hereby incorporated by reference and shall override the provisions of      the Plan to the extent inconsistenttherewith. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.5 | Deduction      Limitation |
|-----|---------------------------|

| (a) | In      no event shall the contributions for any Plan Year, either separately or      when combined with the contributions of the Company under all other      qualified retirement plans of the Company, exceed the amount allowable as      a deduction for Federal income taxpurposes. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      any contribution required to be made pursuant to Article 3 would cause the      limitation of subsection (a) above to be exceeded in any Plan Year, then      such contribution shall not be made and, to the extent not made, any      Participant’s agreement to reduce his cash remuneration in consideration      thereof shall be deemed null andvoid. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.1 | Trust      Fund |
|-----|-----------------|

| (a) | The      Fund shall be held in trust by one or more Trustees appointed by the      Committee under one or more Trust Agreements and shall consist of the      contributions of the Company, all investments made therewith and proceeds      thereof and all earnings thereon and profits there from, less the      distributions which at the time of reference have been made by the      Trustee. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | No      person shall have any right to or interest in the Fund except as provided      in the Plan and the TrustAgreements. |
|-----|-----------------------------------------------------------------------------------------------------------------------------|

| (c) | The      Fund shall in no event (within the taxable year or thereafter) be used for      or diverted to purposes other than for the exclusive benefit of      Participants and their Beneficiaries (including the payment of the      expenses of the administration of the Plan and of the Fund) prior to the      satisfaction of all liabilities, except at the Company’s      request: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | A      contribution that is made by the Company by a mistake of fact may be      returned to the Company within one year after the payment of the      contribution; or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      contribution that is conditioned upon its deductibility under Section 404      of the Code pursuant to Section 3.7 may be returned to the Company, to the      extent that |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | the      contribution is disallowed as a deduction, within one year after such      disallowance. |
|--------|---------------------------------------------------------------------------------------------------|

| 6.2 | Investment      Funds in the Non-ESOP Component and the ESOP  Component |
|-----|-------------------------------------------------------------------------|

| (a) | Upon      direction of the Committee, the portion of the Fund constituting the      Non-ESOP Component shall be subdivided into Investment Funds that shall be      separately invested.  Not less than three of such Investment      Funds shall constitute a broad range of investment alternatives, and shall      provide a Participant a reasonable opportunity to materially affect the      potential return on amounts in such Participant’s Combined Accounts and      the degree of risk to which such amounts are subject.  One such      investment alternative shall be designated as the “Fixed Income Fund” and      shall constitute an income producing, low risk, liquid fund, sub-fund or      account, as determined by the Committee (or its delegate).  Such      broad range of investment alternatives shall satisfy the following      requirements: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | each      shall be diversified, |
|--------|-----|---------------------------------|

|   | (2) | each      shall have materially different risk and return      characteristics, |
|--------|-----|---------------------------------------------------------------------------------|

|   | (3) | all      of which, in the aggregate, enable the Participant, by choosing among      them, to achieve a portfolio with aggregate risk and return      characteristics at any point within the range normally appropriate for the      Participant, and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | each      of which, when combined with investments in the other alternatives, tends      to minimize through diversification the overall risk to a Participant’s      portfolio. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      portion of the Fund constituting the ESOP Component shall be invested      primarily in Company Stock. |
|-----|-----------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the foregoing, any Investment Fund or the ESOP Component may retain such      investments of another nature or cash balances as may be needed in order      to effect distributions or to meet other administrative requirements of      the Plan. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Contributions      received by the Trustee may be invested in short-term investments pending      transfer to an Investment Fund. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------|

| (e) | Participants      shall designate the portion of their Savings Percentage to be invested in      the ESOP Component or the Non-ESOP Component.  To the extent a      Participant fails to make such a designation, he shall be deemed to have      invested his Savings Percentage in the ESOP Component.  Further,      if a Participant’s Savings Percentage (i) exceeds 6% of Covered      Compensation and (ii) is invested partially under the ESOP Component of      the Plan and partially under the Non-ESOP Component of the Plan, for      purposes of determining the Matching Contribution to which the Participant      is entitled under Section 3.2, contributions to the ESOP Component shall      be counted first in determining the amount of the Participant’s      contributions eligible to receive a Matching  Contribution. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.3 | Participants’      Designation of Investments Funds under the Non-ESOP    Component |
|-----|-------------------------------------------------------------------------------------------|

| (a) | Each      Participant shall be entitled to designate the percentage of his Elective      Contributions invested in the Non-ESOP Component that shall be allocated      to each Investment Fund in the Non-ESOP  Component. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Each      Participant shall be entitled to designate the percentage of any Company      contribution under Section 3 to his Non-ESOP Account that shall be      allocated to each Investment Fund in the Non-ESOP    Component. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Participant who has no designation in effect under Section 6.3 shall be      deemed to have allocated his entire Non-ESOP Accounts to the Fixed Income      Fund. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      designation of the allocation of contributions and transfer to the      Investment Funds is subject to the procedural rules established by the      Plan Administrator from time to time, including the    following: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Designations      and transfers shall be made or changed upon such advance notice, and in      such form and manner, as the Plan Administrator shall prescribe by written      rule established and applied on a uniform and nondiscriminatory basis to      all Participants similarlysituated. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Designations      made under this Section 6.3 shall continue in effect until changed by      filing a new designation in accordance with this Section    6.3. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Any      withdrawals or distributions from a Participant’s Non-ESOP Accounts in the      Fund shall be made among the Investment Funds in proportion to the balance      of his interest in each separate Investment Fund as of the Valuation Date      coinciding with or immediately following the date of that authorized      withdrawal or distribution directions are received by the Trustee from the      Plan Administrator. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.4 | Participants’      Designation of Investment in CompanyStock |
|-----|--------------------------------------------------------------------|

| (a) | Effective      as soon as practicable following the Closing Date, each Participant shall      be entitled to designate the percentage of his Elective Contributions that      shall be invested in Company Stock under the ESOP    Component. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | If      no Exempt Loan as described in Section 6.12 is outstanding, to the extent      a Participant directs his Elective Contributions to be invested under the      ESOP Component of the Plan, such contributions shall be accumulated in a      short term interest fund in the ESOP Component of the Plan and shall be      converted to Company Stock on a semi-annual basis using the Company Stock      value as of the Valuation Date preceding or      following the conversion (whichever is lower), and shall be      allocated to the Participant’s ESOP Elective Account.  To the      extent that the purchase price at the end of the prior valuation period is      less than the fair market value on the date of purchase, the shares will      be treated as though they were      purchased at the end of the prior valuation period and the excess will be      considered appreciation on the shares for all purposes of the      Plan. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | To      the extent necessary to repay interest and principal on an Exempt Loan      described in Section 6.12, the Trustee may use Elective Contributions to      repay such Exempt Loan, in which case stock from the Suspense Account      would be released and allocated to the account of each such Participant      making Elective Contributions in an amount not to exceed the amount of      such Participant’s Elective Contribution.  If the amount of      stock released from the Suspense Account is less than the amount of stock      that would have been acquired under Section 6.4(a)(1) with such      Participant’s Elective Contribution if no Exempt Loan were outstanding, an      amount equal to such difference shall be allocated from other amounts      contributed by the Company.  If the amount of stock released      from the Suspense Account is greater than the amount of stock that would      have been acquired under Section 6.4(a)(1) with such Participant’s      Elective Contribution if no Exempt Loan were outstanding, an amount equal      to such difference shall be allocated to an interim account and shall be      allocated in the same fashion as other Company contributions, provided      that all amounts held in such interim account shall be fully allocated on      or before the last day of the Play Year during which the interim account      was created. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Special      One-Time Election: |
|-----|---------------------------------|

|   | (1) | Prior      to the Closing Date, each Participant in the Plan shall have the right to      make a one-time irrevocable election to transfer, effective as of the      Closing Date, all or a portion of his Non-ESOP Accounts under the Plan      (other than his Non-ESOP Loan Account, if any) and/or account balance      under the MSP to his ESOP Transfer Account.  Such transferred      amounts will be invested in stock of PDC Acquisition Corporation, which      will become Company Stock immediately after the Closing      Date.  Any such investment direction shall be made exclusively      in accordance with: (A) the terms, conditions, limitations, and      restrictions established by the Plan Administrator (which may include      nondiscriminatory provisions for allocating the right to purchase Company      Stock in the event that the offers to buy such stock exceeds the amount of      such stock available), and (B) the provision of this Plan and the MSP, as      applicable.  An election (or failure to elect) as provided above      shall be irrevocable.  For the purposes of this investment      election, the Participants shall be considered named fiduciaries, as      described in Sections 402 and 403 ofERISA. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Following      the effective date of the irrevocable election made by a Participant      pursuant to this Section 6.4(b) and the Closing Date, the Participants      shall not be able to elect to transfer any portion of their investment in      Company Stock held in their ESOP Transfer Accounts, except as provided in      Section 6.5. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.5 | Diversification      of ESOP Accounts |
|-----|---------------------------------------|

----

| (a) | Each      Participant who has attained age 55 years and has at least ten years of      participation in the Plan (measured from the date any account was first      established for the Participant under the Plan) or the MSP (if the      Participant made a transfer from the MSP as described in Section 6.4(b))      (a “Qualified Participant”) may elect during each of the Participant’s      Qualified Election Periods (as defined below) to diversify a portion of      the Qualified Participant’s ESOP Accounts balance eligible for      diversification (as described below), by transferring the applicable      amount to one or more Investment Funds under the Non-ESOP      Component. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      portion of a Qualified Participant’s ESOP Accounts balance subject to      diversification shall equal twenty-five percent (fifty percent in the case      of the Qualified Participant’s last year of the Qualified Election Period)      of the total number of shares of Company Stock allocated to the      Participant’s ESOP Accounts (including shares that the Participant      previously elected to diversify pursuant to this subsection), less the      number of such shares previously diversified pursuant to the Qualified      Participant’s election under this subsection.  In any one      election, a Qualified Participant may diversify the entire remaining      portion of his ESOP Accounts balance eligible for diversification or a      part of such diversifiable portion equal to any whole percentage of five      percent or more of his ESOP Accountsbalance. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | For      purposes of this subsection, a “Qualified Election Period”      means:  (A) the ninety-day period immediately following the last      day of the first Plan Year in which the Participant becomes a Qualified      Participant, and (B) the ninety-day period immediately following the last      day of each of the five Plan Years immediately following the first Plan      Year in which the Participant becomes a Qualified      Participant.  Any election made in accordance with subparagraph      (A) next above with respect to any Qualified Election Period shall be      implemented no later than ninety days after the end of such Qualified      Election Period, or as soon as administratively feasible thereafter, and      shall be based on the price of the Company Stock as of the most recent      Valuation Date. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | The      provisions of this subsection shall not apply to any Participant if the      value of the Participant’s ESOP Accounts (determined as of the regular      Valuation Date immediately preceding the first day on which the      Participant would otherwise be entitled to make an election under this      subsection) is $500 or less. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Any      amounts distributed in cash or transferred from the Company Stock Fund to      one or more of the Investment Funds under this subsection shall not be      available for distribution in the form of Company Stock (as otherwise      allowed under Article 7). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Additional Diversification      Right |
|-----|---------------------------------------|

----

| 6.6 | Reserved |
|-----|----------|

| 6.7 | Allocation      and Crediting of EmployerContributions |
|-----|--------------------------------------------------------|

| 6.8 | Valuation      of Investment Funds and Adjustment of Non-ESOP  Accounts |
|-----|-------------------------------------------------------------------------|

| (a) | A      Participant’s interest in his Non-ESOP Accounts as of any Valuation Date      shall consist of the sum of the fair market values of his then interest in      each Investment Fund.  The Plan Administrator shall maintain a      record of the amount to the credit of the Non-ESOP Accounts of each      Participant in the Fund and in each Investment  Fund. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Committee may, for administrative purposes, establish unit values for one      or more Investment Funds (or any portion thereof) and maintain the      Non-ESOP Accounts setting forth each Participant’s interest in such      Investment Fund (or any portion thereof) in terms of such units, all in      accordance with such rules and procedures as the Committee shall deem to      be fair, equitable and administratively practicable.  In the      event that unit accounting is thus established for any Investment Fund,      the value of a Participant’s interest in that Investment Fund (or any      portion thereof) at any time shall be an amount equal to the then value of      a unit in such Investment Fund (or any portion thereof) multiplied by the      number of units then credited to the  Participant. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Each      Participant’s interest in each Investment Fund shall be adjusted as of      each Valuation Date to reflect his proportionate share of the total net      fair market value of such Investment Fund, based upon his Non-ESOP Account      balance in such Investment Fund as of the immediately preceding Valuation      Date, as adjusted for subsequent additions thereto and distributions or      withdrawals there from (including transfers from or to any other      Investment Fund), in such manner as the Plan Administrator shall determine      in its sole discretion to be fair, equitable, and administratively      practicable. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.9 | Adjustment      of ESOP Accounts |
|-----|----------------------------------|

| (a) | Participants’      ESOP Cash Accounts and ESOP Stock Accounts shall be adjusted as      follows: |
|-----|--------------------------------------------------------------------------------------------------------|

|   | (1) | The      Plan Administrator shall credit to the ESOP Cash Account of each      Participant any cash dividends paid to the Trustee on shares of Company      Stock held in that Participant’s ESOP Stock Account as of a record      date.  Such cash dividends shall be used to purchase shares of      Company Stock. The Plan Administrator shall credit an appropriate number      of shares of Company Stock to the ESOP Stock Account of such Participant,      and the Participant’s ESOP Cash Account shall then be charged by the      amount of cash used to purchase such Company Stock for the Participant’s      ESOP Stock Account.  For the purposes of this Plan, the term      “dividends” shall include both dividends as described in Code Section 316      and all distributions made with respect to the shares of stock of an S      corporation. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | As      of each Valuation Date, before the allocation of any Elective      Contributions, Matching Contributions or Profit Sharing Contributions      under Article 3 made in cash to be invested in Company Stock as of such      date, any appreciation, depreciation, income, gains or losses in the fair      market value of the Participants’ ESOP Cash Accounts shall be allocated      among and credited to the ESOP Cash Accounts of Participants, pro rata,      according to the amount of suchcontributions. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | For      purposes of the Plan and Trust, the FMV of Company Stock shall be      determined by an Independent Appraiser, as of each Valuation Date, in      accordance with the terms of the Trust and the provisions of Section 3(18)      of ERISA. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Shares      of Company Stock received by the Trustee that are attributable to stock      dividends, stock splits or to any reorganization or recapitalization of      the Company shall be credited to the Participants’ ESOP Stock Accounts so      that the interests of Participants immediately after any such stock      dividend, split, reorganization or recapitalization are the same as such      interests immediately before suchevent. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | ESOP      Share Records.  The Plan Administrator shall maintain or cause      to be maintained records as to the number and cost of shares of Company      Stock acquired or transferred by or within the Trust in accordance with      the applicable provisions of this Section6. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Notwithstanding      any other provision of this Plan to the contrary, any Participant      who: |
|-----|--------------------------------------------------------------------------------------------------|

----

|  | (1) | has      an ESOP Transfer Account, |
|--|-----|------------------------------------|

|   | (2) | was      at least age 55 on the Closing Date,and |
|--------|-----|--------------------------------------------------|

|   | (3) | during      the four-year period immediately following the Closing    Date: |
|--------|-----|-----------------------------------------------------------------------------|

|   | (A) | retires,      dies, or incurs a Disability; and |
|--------|-----|-------------------------------------------------|

|   | (B) | requests      a lump sum distribution from his ESOP Transfer  Account |
|--------|-----|-----------------------------------------------------------------------|

| 6.10 | Former      Participants and Beneficiaries |
|------|--------------------------------------------|

| (a) | A      Former Participant or Beneficiary who is entitled to installment or other      deferred distribution of any interest in the Fund shall be entitled to      designate the portion of the Non-ESOP Accounts to be allocated to each      Investment Fund in the same manner as prescribed above, as if he were a      Participant. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      interest in the Fund shall continue to be adjusted in accordance with the      provisions of this Article 6 as if the Former Participant or Beneficiary      were still a Participant until distribution thereof is      completed. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.11 | Participant      Loans |
|------|------------------------|

| (a) | A      Participant who is an Employee (“Borrower”) may apply to the Plan      Administrator to borrow from the vested portion of the Borrower’s ESOP and      Non-ESOP Accounts in the Fund, and the Plan Administrator may direct the      Trustee to permit such a Participant Loan distribution.  Any      such application must be accompanied by a reasonable origination fee      established by the Plan Administrator and charged to all Borrowers on a      uniform basis.  Participant Loans shall be made in accordance      with the terms, conditions, limitations, and restrictions established by      the Committee and the rules of this Plan and shall be available to all      eligible Participants on a reasonably equivalent      bases.  Participant Loans shall not be made available to HCEs,      officers or shareholders in an amount greater than is made available to      other Borrowers. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      following terms and conditions shall apply to Participant      Loans: |
|-----|--------------------------------------------------------------------------------|

| For      Participant Loan Amounts of: | The      Maximum Participant Loan Value Available Is:                                                               | Participant      Loans are Permitted Solely For:     |
|---------------------------------------|---------------------------------------------------------------------------------------------------------------------|------------------------------------------------------|
| $1,000      - $10,000                 | 50%      of the balance in the Plan Component (ESOP or Non-ESOP) from which the      Participant Loan is requested. | No      restrictions.                                |
| $10,001      - $25,000                | 50%      of the balance in the Plan Component (ESOP or Non-ESOP) from which the      Participant Loan is requested. | Payment      of expenses described in Section7.9(b). |

| (c) | All      such Participant Loans also shall be subject to the following terms and      conditions: |
|-----|---------------------------------------------------------------------------------------------------|

|   | (1) | A      Participant Loan may be made in an amount (not less than $1,000) which,      when added to the total outstanding balance of all prior Participant Loans      to the Borrower under the Plan and loans from other plans of the Company      and its Related Companies, does not exceed the lesser  of: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | $50,000      reduced by the excess, if any, of: |
|--------|-----|-------------------------------------------------|

|   | (i) | the      highest total outstanding balance of Participant Loans and other loans      from such plans during the one-year period ending on the day before the      date such Participant Loan was made,over; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | the      total outstanding balance of Participant Loans and other loans from such      plans on the date on which such Participating Loan was made;      or |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | one-half      of the present value of the Borrower’s non-forfeitable accrued benefit      under the Plan. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------|

|   | (2) | Each      Participant Loan shall be evidenced by a promissory note.  All      Participant Loans, other than Principal Residence Loans (as defined      below), shall be amortized in substantially level payments, made not less      frequently than quarterly, for a period of not less than one (1) year and      not more than five (5) years.  Principal Residence Loans shall      be amortized in substantially level payments, made not less than      frequently than quarterly, for a period of not less than one (1) year and      not more than fifteen (15) years.  For this purpose, a Principal      Residence Loan is a loan that is made to a Participant to acquire any      dwelling unit that, within a reasonable time is to be used (determined at      the time the Principal Residence Loan is made) as the principal residence      of the Participant.  A Borrower requesting a Principal Residence      Loan for a term extending beyond five (5) years shall provide copies of      any documents relating to the purchase of such principal residence that      the Plan Administrator may deem necessary to verify that the proceeds of      such Principal Residence Loan will be used as specified    above. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (3) | A      Participant Loan shall be adequately secured by the Borrower’s vested ESOP      or Non-ESOP Account balances (as applicable) in the  Plan. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | A      Participant Loan shall bear a reasonable rate of interest, as established      by the Plan Administrator, which provides a return commensurate with the      interest rates charged by persons in the business of lending money for      loans that would be made under similar  circumstances. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Repayment      will be made by means of payroll deductions from the Borrower’s      salary.  A Borrower may repay an outstanding Participant Loan in      full at any time without penalty. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | A      Participant Loan may be taken out no more than once in any twelve-month      period from each Component of the Plan and a Borrower may have no more      than one Participant Loan outstanding from each Component (ESOP and      Non-ESOP) of the Plan at any one time; provided, however, that the      foregoing restrictions of no more than one Participant Loan shall not      apply to Participant Loans originated prior to the Closing      Date.  Notwithstanding the foregoing, in no event shall a      Borrower who has prepaid a Participant Loan be permitted to receive      another Participant Loan from the Plan for three (3) months from the date      of such prepayment. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | A      Participant must take a Participant Loan from the Non-ESOP Component of      the Plan before taking a Participant Loan from the ESOP Component of the      Plan.  Participant Loans from the ESOP Component may be      requested at specific times identified by the ESOP Committee and intended      to coincide with the Valuation Dates for Company      Stock.  Participant Loans from the ESOP Component are subject to      the approval of the ESOP Committee, pursuant to its uniform,      nondiscriminatory policy for processing distributions and loans from the      ESOP Component. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (8) | A      reasonable annual administrative fee may be charged for each year that a      Participant Loan is outstanding. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------|

|   | (9) | A      Participant Loan shall become immediately due and payable in full upon a      Borrower’s Retirement, death, separation from service due to Disability or      termination of employment.  If the Participant Loan is not paid      in full within 30 days of the occurrence of any one of the foregoing      events, the Plan Administrator shall foreclose on the Participant Loan in      order to collect the full remaining outstanding Participant Loan balance      or shall make such other arrangements with the Borrower as the Plan      Administrator deems appropriate.  Upon default, an actual      reduction of the Borrower’s Elective Account or ESOP Elective Account      under the Plan shall not be effected until occurrence of a distributable      event under Code Section 401(k)(2)(B), and no rights against the Borrower      or the security for such Participant Loan shall be deemed waived by the      Plan as a result of such delay. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (10) | Interest      on and repayments of the principal of a Participant Loan shall be      allocated to the Component (ESOP or Non-ESOP) from which the Participant      Loan was made and, within such Component, shall be invested in the same      manner as Elective Contributions. |
|--------|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Proceeds      for a Participant Loan under the Non-ESOP Component of the Plan shall be      made in proportion to the balance of his interest in each separate      Investment Fund as of the Valuation Date coinciding with or immediately      following the date that authorized Participant Loan processing directions      are received by the Trustee from the Plan  Administrator. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | The      Plan Administrator may adopt additional written procedures with respect to      Participant Loans made pursuant to this Section 6.11, provided that such      procedures do not conflict with the terms of the Plan or applicable      law. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.12 | Exempt      Loans |
|------|-------------------|

| (a) | The      Committee may direct the Trustee to obtain an Exempt Loan and use the      proceeds of such Exempt Loan either to purchase Company Stock or to repay      interest and/or principal on a prior Exempt Loan.  Any such      Exempt Loan shall meet all requirements necessary to constitute an “exempt      loan” within the meaning of Treasury Regulation Section      54.4975-7(b)(1)(iii) and shall be used primarily for the benefit of the      Participants (and their Beneficiaries).  The number of years to      maturity under the Exempt Loan must be definitely ascertainable at all      times.  The proceeds of any such Exempt Loan shall be used,      within a reasonable time after the Exempt Loan is obtained, only to      purchase Company Stock, repay the Exempt Loan, or repay any prior Exempt      Loan.  Any such Exempt Loan shall provide for no more than a      reasonable rate of interest, as determined under Treasury Regulation      Section 54.4975-7(b)(7) and must be without recourse against the Plan      except as hereinafter provided.  The only assets of the Plan      that may be given as collateral for an Exempt Loan are shares of Company      Stock acquired with the proceeds of the Exempt Loan and shares of Company      Stock that were used as collateral on a prior Exempt Loan repaid with the      proceeds of the current Exempt Loan.  All such Company Stock      acquired with the proceeds of an Exempt Loan, whether or not pledged,      shall be placed in the Suspense Account.  No person entitled to      payment under an Exempt Loan shall have recourse against assets of the      Plan other than such shares in the Suspense Account pledged as collateral,      Company contributions and Elective Contributions that are available under      the Plan to meet obligations under the Exempt Loan, and earnings      attributable to such collateral and such Company contributions and      Elective Contributions.  Any pledge of Company Stock must      provide for the release of shares so pledged, as provided below, upon the      payment of any portion of the ExemptLoan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | For      each Plan Year during the duration of the Exempt Loan, the number of      shares of Company Stock released from the Suspense Account shall be      determined by multiplying the number of encumbered securities held      immediately before release for the current Plan Year by a fraction, the      numerator of which shall be the amount of principal and interest paid for      the year and the denominator of which is the sum of the numerator plus the      principal      and interest to be paid on the Exempt Loan for all future years, or by any      other method permitted by the Code or regulations promulgated      thereunder.  Such years will be determined without taking into      account any possible extension or renewal periods.  In the event      such interest is variable, the interest to be paid in future years must be      computed by using the interest rate applicable as of the end of the Plan      Year. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | The      Committee may, in its discretion, elect at the time an Exempt Loan is      entered into, in lieu of the provision in the preceding paragraph      providing for the release of Company Stock from the Suspense Account on      the basis of principal and interest paid during the Plan Year, to release      Company Stock from the Suspense Account solely with reference to principal      payments only, subject to the requirements imposed by Treasury Regulation      Section 54.4975-7, specifically including the following three rules as      provided in Treasury Regulation Section    54.4975-7(b)(8)(ii): |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      Exempt Loan must provide for annual payments of principal and interest at      a cumulative rate that is not less rapid at any time than level annual      payment of such amount for 10years; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Interest      included in any payment is disregarded only to the extent it would be      determined to be interest under standard loan amortization tables;      and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | These      special rules are not applicable from the time that, by reason of a      renewal, extension or refinancing of an Exempt Loan, the sum of the      expired duration of the Exempt Loan, the renewal period, the extension      period and the duration of the new Exempt Loan exceeds ten 10      years. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | All      Company contributions and Elective Contributions paid in cash during the      Plan Year in which an Exempt Loan is incurred (whether before or after the      date the proceeds of the Exempt Loan are received), all Company      contributions and Elective Contributions paid thereafter in cash, all      earnings attributable to such Company contributions and Elective      Contributions, all proceeds of the sale of any Company Stock held in the      Suspense Account, and all cash distributions paid to the Plan with respect      to Company Stock held in the Plan, or other permissible earnings on such      Company Stock, may be available to meet obligations under the Exempt Loan,      until the Exempt Loan has been repaid in full.  Payments of      principal and interest on any such Exempt Loan during a Plan Year shall be      made by the Trustee (as directed by the Committee) only from (1) Company      contributions paid in cash, and earnings from such Company contributions      made to the Plan to meet the Plan’s obligation under an Exempt Loan and      from any earnings attributable to Company Stock held in the Suspense      Account (both received during or prior to the Plan Year); (2) the proceeds      of a subsequent  Exempt Loan made to repay a      prior      Exempt Loan; (3) the proceeds of the sale of any Company Stock held in the      Suspense Account; (4) cash distributions paid to the Plan with respect to      Company Stock held in the Plan; and (5) Elective      Contributions. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | In      the event that Company contributions and Elective Contributions, by reason      of the limitations in Section 5.4, are insufficient to enable the Trust to      pay principal and interest on such Exempt Loan as it is due, the Company      shall: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Make      an Exempt Loan to the Trust, as described in Treasury Regulation Section      54.4975-7(b)(4)(iii), in sufficient amounts to meet such principal and      interest payments.  Such new Exempt Loan shall also meet all      requirements of an “exempt loan” within the meaning of Treasury Regulation      Section 54.4975-7(b)(1)(iii).  Company Stock released from the      pledge of the prior Exempt Loan shall be pledged as collateral to secure      the new Exempt Loan.  Such Company Stock shall be released from      this new pledge and allocated to the ESOP Accounts of the Participants in      accordance with the applicable provisions of the Plan;  or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Purchase      any Company Stock pledged as collateral in an amount necessary to provide      the Trustee with sufficient funds to meet the principal and interest      repayments.  Any such sale by the Plan shall meet the      requirements of Section 408(e) of ERISA;or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | In      the case of an Exempt Loan to the Trust from the Company, elect to cause      the debt represented by such Exempt Loan to be forgiven in an amount      specified in writing by theCompany. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Shares      of Company Stock distributed by the Trustee may be subject to a “right of      first refusal.”  Such a “right” shall provide that prior to any      subsequent transfer, the shares shall first be offered in writing to the      Plan and then, if refused by the Plan, to the Company at a price equal to      the greater of (1) the then fair market value of such shares of Company      Stock as determined in good faith by the Committee from time to time, or      (2) the purchase price offered by a buyer, other than the Company or      Trustee, making a good faith arms-length (as determined by the Committee)      offer to purchase such shares of Company Stock.  The Plan or the      Company, as the case may be, may accept the offer as to part or all of the      Company Stock at any time during a period not exceeding fourteen (14) days      after receipt of such offer by the Trust, on terms and conditions no less      favorable to the stockholder than those offered by the independent third      party buyer. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | If      shares of Company Stock acquired with the proceeds of an Exempt Loan by      the Trust are not publicly traded within the meaning of Treasury      Regulation Section 54.4975-7(b)(1)(iv) or, if publicly traded, are subject      to a trading limitation (a “trading limitation” on a security is a      restriction under any federal or state securities law, any regulation      thereunder, or an agreement affecting the security which would make the      security not as freely tradable as one not subject to such restriction),      they shall be subject to a “put” option at the time of      distribution.  The “put” option shall be exercisable by the      Participant or Beneficiary, by the donees of either, or by a person      (including an estate or its distribute) to whom the Company Stock passes      by reason of the Participant’s or |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | Beneficiary’s      death.  The “put” option shall provide that for a period of      fifteen (15) months immediately following the date the shares are      distributed to the holder of the option, the holder of the option shall      have the right to cause the Company, by notifying it in writing, to      purchase such shares at their fair market value, as determined by the      Committee.  The period during which the “put” option is      exercisable shall not include any period during which the holder is unable      to exercise such “put” option because the Company is prohibited from      honoring it by federal or state law.  The terms of payment for      the purchase of such shares of Company Stock shall be set forth in the      “put” option.  Such “put” option may provide that if a      Participant or Beneficiary exercises the option, the Company, or the Plan      if the Plan so elects, will repurchase the Company Stock in five (5)      substantially equal annual payments, with the first such installment paid      no later than thirty (30) days after exercise of the “put”      option.  The Company or the Trust, as the case may be, shall pay      a reasonable rate of interest and provide adequate security on amounts not      paid after thirty (30) days.  The protections afforded      Participants by Section 6.12(e) are  non-terminable. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.1 | Distribution      Options for Participants who Retire or Incur a  Disability |
|-----|------------------------------------------------------------------------------|

| (a) | Non-ESOP      Accounts |
|-----|------------------------|

|   | (1) | payment      in an immediate lump sum; |
|--------|-----|----------------------------------------|

|   | (2) | payment      in a deferred lump sum after Retirement or Disability;  or |
|--------|-----|-------------------------------------------------------------------------|

|   | (3) | payment      in immediate or deferred annual installments over a term certain not to      exceed 10 years. |
|--------|-----|------------------------------------------------------------------------------------------------------------|

| (b) | ESOP      Accounts |
|-----|--------------------|

|   | Distributions      following a Participant’s Disability or Retirement will be made in the      distribution options described in paragraph (a) above as selected by the      Participant in the form of whole and partial shares of Company Stock,      subject to Section 7.4 below, provided, however, that such election shall      be subject to the consent of theESOP |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | Committee      pursuant to its uniform, nondiscriminatory policy for processing      distributions and loans from the ESOPComponent. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Additional      Rules |
|-----|-----------------------|

|   | (1) | Any      payments made under this Section 7.1 shall be made as soon as practicable      after the date such form is received by the Plan      Administrator. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Upon      the death of a Former Participant, any remaining balances in his Combined      Accounts, including unpaid installments, shall be distributed as provided      in Section 7.2. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | An      election to receive installment distributions as described in subsection      (a)(3) above may be commuted into a single sum payment at any time by the      Participant or Beneficiary, as applicable, upon written notice to the Plan      Administrator. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.2 | Distribution      Options Upon Death |
|-----|--------------------------------------|

| 7.3 | Distribution      Options Upon Termination of Employment/Permanent  Layoff |
|-----|----------------------------------------------------------------------------|

| (a) | Upon      the termination of employment of a Participant for any reason other than      Retirement, Disability or death: |
|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Non-ESOP      Accounts |
|--------|-----|------------------------|

|   | (2) | ESOP      Accounts |
|--------|-----|--------------------|

|   | (A) | The      entire amount to the credit of his ESOP Transfer Account shall be eligible      to be distributed to him as soon as practicable after his termination of      employment in a lump sum in the form of whole and partial shares of      Company Stock, subject to Section 7.4 below; provided, however, that a      request for an immediate lump sum payment shall be subject to the consent      of the ESOP Committee pursuant to its uniform, nondiscriminatory policy      for processing distributions and loans from the ESOP      Component. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (B) | The      entire vested amount to the credit of his ESOP Accounts (other than his      ESOP Transfer Account), shall be eligible to be distributed within a      reasonable time following the close of the Plan Year which is not later      than the fifth Plan Year following the Plan Year in which the Participant      terminated employment in a lump sum in the form of whole and partial      shares of Company Stock, subject to Section 7.4 below; provided, however,      that a request for an immediate lump sum payment shall be subject to the      consent of the ESOP Committee pursuant to its uniform, nondiscriminatory      policy for processing distributions and loans from the ESOP      Component. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of Section 7.3(a), a termination of employment of a Participant      shall include a sale of all or substantially all of the assets used by the      Company or an Affiliate in a trade or business or of the sale of the      Company’s or an Affiliate’s interest in a subsidiary that results in the      Participant’s termination of employment with the Company or an entity that      constitutes an Affiliate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.4 | Form      of Distributions |
|-----|----------------------------|

| 7.5 | Forfeitures |
|-----|-------------|

| (a) | Any      unvested portion of a Participant’s Combined Account shall be forfeited      upon the Participant’s Date of Severance.  Amounts forfeited      from the Combined Accounts of Participants who are not fully vested on      their Date of Severance shall be applied to reduce the next succeeding      Company contribution under Article3. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Participant who is less than 100% vested in his Combined Account ceases      to be an Employee and, as a result, receives a distribution from the Plan      in an amount that is less than the present value of the Participant’s      accrued benefit under the Plan, the portion of the Participant’s Combined      Account that was forfeited pursuant to paragraph 7.5(a) above shall be      restored to the Participant’s ESOP Accounts or Non-ESOP Accounts, as      applicable, if the Participant is re-employed by the Company or a Related      Company prior to incurring five consecutive Periods of Severance and      repays to the Plan the full amount of such distribution prior to the      occurrence of the earlier of 5 years after the first date on which the      Participant is subsequently re-employed; or the date the Participant      incurs 5 consecutive one-year Periods of Severance.  Such      reinstatement shall be provided by an additional      contribution by the Company for the Plan Year in which such reinstatement      occurs. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | If      a Participant incurs five consecutive one-year Periods of Severance, the      vested portion of the Participant’s Combined Account attributable to      service prior to such Periods of Severance shall not be increased as a      result of any service after such Periods of  Severance. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.6 | Amount      of Distribution |
|-----|-----------------------------|

| 7.7 | Participant’s      Right to Consent to Distributions |
|-----|------------------------------------------------------------|

| (a) | For      the period commencing on the Date of Severance and ending on the date a      Participant attains normal retirement age (determined in the same manner      as the determination of whether a Participant has retired), if a      Participant’s vested Combined Account balance exceeds $5,000 at all times      during such period, no portion of his Combined Accounts may be distributed      to him without his written consent before he attains normal retirement age      (determined in the same manner as the determination of whether a      Participant has retired).  Failure to provide consent within      thirty (30) days following solicitation of such consent by the Plan      Administrator shall be deemed to be an election to defer such distribution      to as soon as practicable following the earliest to occur of the      Participant’s attainment of normal retirement age, the date on which the      Committee receives notice of the Participant’s death, or the date on which      the Participant gives such consent. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      the period commencing on the Date of Severance and ending on the date a      Participant attains normal retirement age (determined in the same manner      as the determination of whether a Participant has retired), if a      Participant’s vested Combined Account balance is $5,000 or less as of a      Valuation Date, the Participant will receive a distribution of the value      of the entire vested portion of such Combined Account balance and the      nonvested portion will be treated as a forfeiture; provided, however, that      this provision shall not be used to accelerate the final installment      payment(s) of a series of installment payments.  For this      purpose, if the value of a Participant’s vested Combined Account balance      is zero, the Participant shall be deemed to have received a distribution      of such vested Combined Account balance immediately upon his Date of      Severance. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | In      the event of a mandatory distribution greater than $1,000 payable in      accordance with the provisions of Section 7.7(b), if the Participant does      not elect to have such distribution paid directly to an eligible      retirement plan specified by the Participant in a direct rollover or to      receive the distribution directly, then the distribution will be paid in a      direct rollover to an individual retirement plan designated by the Plan      Administrator. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.8 | Time      When Distributions Must Commence |
|-----|--------------------------------------------|

| (a) | Unless      a Participant elects otherwise, distribution shall commence not later than      the 60th day following the close of the Plan Year in which the latest of      the following occurs: (1) the Participant attains normal retirement age      (as described in Code Section 401(a)(14)); (2) the tenth anniversary of      the date on which the Participant commenced participation under this Plan;      or (3) the Participant terminates employment with the Company and all      Affiliates. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      requirements of this Section 7.8(b) shall take precedence over any      inconsistent provisions of the Plan.  All distributions required      under this Section 7.8(b) shall be determined and made in accordance with      Treasury Regulations under Code Section      401(a)(9).  Notwithstanding the other provisions of this      Section, distributions may be made under a designation made before January      1, 1984, in accordance with section 242(b)(2) of the Tax Equity and Fiscal      Responsibility Act (“TEFRA”) and the provisions of the Plan that relate      (or did relate) to section 242(b)(2) ofTEFRA. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      Participant’s entire interest will be distributed, or begin to be      distributed, to the Participant no later than the Participant’s required      beginning date, as set forth in Section  7.8(b)(6)(E). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | If      the Participant dies before distributions begin, the Participant’s entire      interest will be distributed, or begin to be distributed, no later than as      follows: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | If      the Participant’s surviving spouse is the Participant’s sole Designated      Beneficiary, then distributions to the surviving spouse will begin by      December 31 of the calendar year immediately following the calendar year      in which the Participant died, or by December 31 of the calendar year in      which the Participant would have attained age 70 1⁄2, if    later. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | If      the Participant’s surviving spouse is not the Participant’s sole      Designated Beneficiary, then distributions to the Designated Beneficiary      will begin by December 31 of the calendar year immediately following the      calendar year in which the Participantdied. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | If      there is no Designated Beneficiary as of September 30 of the year      following the year of the Participant’s death, the Participant’s entire      interest will be distributed by December 31 of the calendar year      containing the fifth anniversary of the Participant’s    death. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (D) | If      the Participant’s surviving spouse is the Participant’s sole Designated      Beneficiary and the surviving spouse dies after the Participant but before      distributions to the surviving spouse begin, this Section 7.8(b)(2), other      than Section 7.8(b)(2)(A), will apply as if the surviving spouse were the      Participant. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (E) | For      purposes of this Section 7.8(b)(2) and Section 7.8(b)(5), unless Section      7.8(b)(2)(D) applies, distributions are considered to begin on the      Participant’s required beginning date.  If Section 7.8(b)(2)(D)      applies, distributions are considered to begin on the date distributions      are required to begin to the surviving spouse under Section      7.8(c)(2)(A). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Unless      the Participant’s interest is distributed in a single sum on or before the      required beginning date, as of the first Distribution Calendar Year      distributions will be made in accordance with Section 7.8(b)(4) and      7.8(b)(5) of this Section 7.8(b). |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Required      minimum distributions during a Participant’s lifetime shall be determined      according to the following: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | During      the Participant’s lifetime, the minimum amount that will be distributed      for each Distribution Calendar Year is the lesser  of: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | the      quotient obtained by dividing the Participant’s Combined Account Balance      by the distribution period in the “uniform lifetime table” set forth in      Treasury Regulations Section 1.401(a)(9)-9, using the Participant’s age as      of the Participant’s birthday in the Distribution Calendar Year;      or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | if      the Participant’s sole Designated Beneficiary for the Distribution      Calendar Year is the Participant’s spouse, the quotient obtained by      dividing the Participant’s Combined Account Balance by the number in the      “joint and last survivor table” set forth in Treasury Regulations Section      1.401(a)(9)-9, using the Participant’s and spouse’s attained ages as of      the Participant’s and spouse’s birthdays in the Distribution Calendar      Year. |
|--------|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Required      minimum distributions will be determined under this Section 7.8(b)(4)      beginning with the first Distribution Calendar Year and up to and      including the Distribution Calendar Year that includes the Participant’s      date of death. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Required      minimum distributions after the Participant’s death shall be determined in      accordance with the following: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | If      the Participant dies on or after the date distributions begin and there is      a Designated Beneficiary, the minimum amount that will be distributed for      each Distribution Calendar Year after the year of the Participant’s death      is |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | the      quotient obtained by dividing the Participant’s Combined Account Balance      by the longer of the remaining Life Expectancy of the Participant or the      remaining Life Expectancy of the Participant’s Designated Beneficiary,      determined as follows: |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | If      the Participant’s surviving spouse is the Participant’s sole Designated      Beneficiary, the remaining Life Expectancy of the surviving spouse is      calculated for each Distribution Calendar Year after the year of the      Participant’s death using the surviving spouse’s age as of the spouse’s      birthday in that year.  For Distribution Calendar Years after      the year of the surviving spouse’s death, the remaining Life Expectancy of      the surviving spouse is calculated using the age of the surviving spouse      as of the spouse’s birthday in the calendar year of the spouse’s death,      reduced by one for each subsequent calendar  year. |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (iii) | If      the Participant’s surviving spouse is not the Participant’s sole      Designated Beneficiary, the Designated Beneficiary’s remaining Life      Expectancy is calculated using the age of the Designated Beneficiary in      the year following the year of the Participant’s death, reduced by one for      each subsequent year. |
|--------|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | If      the Participant dies on or after the date distributions begin and there is      no Designated Beneficiary as of September 30 of the year after the year of      the Participant’s death, the minimum amount that will be distributed for      each Distribution Calendar Year after the year of the Participant’s death      is the quotient obtained by dividing the Participant’s Combined Account      Balance by the Participant’s remaining Life Expectancy calculated using      the age of the Participant in the year of death, reduced by one for each      subsequent year. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | If      the Participant dies before the date distributions begin and there is a      Designated Beneficiary, the minimum amount that will be distributed for      each Distribution Calendar Year after the year of the Participant’s death      is the quotient obtained by dividing the Participant’s Combined Account      Balance by the remaining Life Expectancy of the Participant’s Designated      Beneficiary, determined as provided in Section    7.8(b)(5)(A). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (D) | If      the Participant dies before the date distributions begin and there is no      Designated Beneficiary as of September 30 of the year following the year      of the Participant’s death, distribution of the Participant’s entire      interest will be completed by December 31 of the calendar year containing      the fifth anniversary of the Participant’s  death. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (E) | If      the Participant dies before the date distributions begin, the      Participant’s spouse is the Participant’s sole Designated Beneficiary, and      the surviving spouse dies before distributions are required to begin to      the surviving spouse under Section 7.8(b)(2)(A), this Section 7.8(b)(5)(E)      shall apply as if the surviving spouse were the    Participant. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | For      purposes of this Section 7.8(b), the terms listed below shall be defined      as follows: |
|--------|-----|----------------------------------------------------------------------------------------------------|

|   | (A) | Designated      Beneficiary.  The individual who is designated as the      Beneficiary in accordance with Section 1.8 and is the designated      Beneficiary under Code Section 401(a)(9) and Treasury Regulations Section      1.401(a)(9)-4. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Distribution      Calendar Year.  A calendar year for which a minimum distribution      is required.  For distribution calendar years beginning before      the Participant’s death, the first distribution calendar year is the      calendar year immediately preceding the calendar year which contains the      Participant’s required beginning date.  For distributions      beginning after the Participant’s death, the first distribution calendar      year is the calendar in which distributions are required to begin under      Section 7.8(b)(2).  The required minimum distribution for the      Participant’s first distribution calendar year will be made on or before      the Participant’s required beginning date.  The required minimum      distribution for other distribution calendar years, including the required      minimum distribution for the distribution calendar year in which the      Participant’s required beginning date occurs, will be made on or before      December 31 of the distribution calendaryear. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | Life      Expectancy.  Life expectancy as computed by use of      the |
|--------|-----|---------------------------------------------------------------------------------|

|   | “single      life table” in Treasury Regulations Section  1.401(a)(9)-9. |
|--------|--------------------------------------------------------------------------------------|

|   | (D) | Participant’s      Combined Account Balance.  The Combined Account balance as of      the last valuation date in the calendar year immediately preceding the      Distribution Calendar Year (valuation calendar year) increased by the      amount of any contributions made and allocated or forfeitures allocated to      the Combined Account balance as of the dates in the valuation calendar      year after the valuation date and decreased by distributions made in the      valuation calendar year after the valuation date.  The Combined      Account balance for the valuation calendar year includes any amounts      rolled over or transferred to the Plan in the valuation calendar year or      in the Distribution Calendar Year if distributed or transferred in the      valuation calendar. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (E) | Required      Beginning Date.  April 1 of the calendar year next following the      later of: (i) the calendar year in which the Participant attains age 701⁄2      or (ii) the calendar year in which the Participant’s Date of Severance      occurs |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (“Required      Commencement Date”); provided, however, that the Required Commencement      Date of a Participant who is a five-percent owner (as defined in Code      Section 416) of the Company or a Related Company is the calendar year in      which the Participant attains age701⁄2. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.9 | Hardship |
|-----|----------|

| (a) | A      Participant may apply in writing to the Plan Administrator for a      distribution, due to financial hardship, of all or a part of the      Participant’s Elective Account and ESOP Elective Account, excluding      earnings thereon, and all or a part of the Participant’s Rollover Account      (a “Hardship Distribution”).  A Hardship Distribution shall be      made only if such distribution is necessary to alleviate an immediate and      heavy financial need of the Participant as determined in accordance with      Section 7.9(b) below, and is necessary to satisfy such financial need as      determined in accordance with Section 7.9(c) below.  The      determination by the Plan Administrator of the existence of an immediate      and heavy financial need and of the amount necessary to meet such need      shall be made in a nondiscriminatory and uniform manner.  The      Plan Administrator shall not allow a Hardship Distribution to be made to a      Participant unless the requirements of this Section 7.9 are      satisfied. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      determination by the Plan Administrator of whether a Participant has an      immediate and heavy financial need is to be made on the basis of all the      relevant facts and circumstances, and must be for one of the reasons      specified in subsections (1) – (6) below (and may include any amounts      necessary to pay any federal, state or local income taxes or penalties      reasonably anticipated to result from the distribution).  A      financial need shall not fail to qualify as immediate and heavy merely      because such need was reasonably foreseeable or voluntarily incurred by      the Participant.  To receive a Hardship Distribution, a      Participant must submit a completed application form provided by the Plan      Administrator, any additional written documentation necessary to establish      to the satisfaction of the Plan Administrator that such distribution is      for: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Expenses      for (or necessary to obtain) medical care that would be deductible under      Code section 213(d) (determined without regard to whether the expenses      exceed 7.5% of adjusted grossincome); |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Costs      directly related to the purchase of a principal residence for the Employee      (excluding mortgage payments); |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Payment      of tuition, related educational fees, and room and board expenses, for up      to the next 12 months of post-secondary education for the Employee, or      the  Employee’s spouse, children, or dependents (as defined in      Code section 152, without regard to Code sections 152(b)(1), (b)(2) and      (d)(1)(B)); or |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Payments      necessary to prevent the eviction of the Employee from the Employee’s      principal residence or foreclosure on the mortgage on that      residence; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (5) | Payments      for burial or funeral expenses for the Employee’s deceased parent, spouse,      children or dependents (as defined in Code section 152, without regard to      Code section 152(d)(1)(B)); or |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | Expenses      for the repair of damage to the Employee’s principal residence that would      qualify for the casualty deduction under Code section 165 (determined      without regard to whether the loss exceeds 10% of adjusted gross      income). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Hardship Distribution made pursuant to this Section 7.9 will be deemed to      be necessary to satisfy an immediate and heavy financial need of a      Participant only if: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      distribution is not in excess of the amount of the Participant’s immediate      and heavy financial need (including any amounts necessary to pay any      federal, state or local income taxes or penalties reasonably anticipated      to result from such distribution);and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      Participant has obtained all distributions (other than Hardship      Distributions) and all nontaxable loans currently available under all      plans maintained by the Company and any Related  Company. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Notwithstanding      any provision of the Plan or any other plan maintained by the Company or a      Related Company to the contrary, a Participant who receives a Hardship      Distribution shall not: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | make      Elective Contributions to the Plan and all other plans maintained by the      Company or a Related Company for the Participant’s taxable year      immediately following the taxable year of the Hardship Distribution in      excess of the applicable limit under Code Section 402(g) for such next      taxable year, less the amount of the Participant’s Elective Contributions      for the taxable year of the Hardship Distribution;  and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | be      eligible to make any Elective Contributions or after-tax employee      contributions to the Plan and all other plans maintained by the Company or      a Related Company for a period of six months following the date of receipt      of the Hardship Distribution, and shall enter into a legally enforceable,      written agreement acknowledging same.  For this purpose, the      term “all other plans” means all qualified and nonqualified plans of      deferred compensation including, without limitation, stock option, stock      purchase or similar plans and a cash or deferred arrangement that is part      of a cafeteria plan (within the meaning of Section 125 of the Code), but      excluding the mandatory employee contribution portion of a defined benefit      plan and a health and welfare benefit plan, including such a plan that is      part of a Code Section 125 cafeteriaplan. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | A      Participant’s Hardship Distribution shall come from the Non-ESOP Component      first and then only to the extent necessary from the ESOP      Component.  To the extent made from the Non-ESOP Component, a      Hardship Distribution shall be taken from the Investment Funds in which      the Participant’s Elective Account is invested on a      pro rata basis.  Hardship Distributions from the ESOP Component      are subject to the approval of the      ESOP Committee, pursuant to its uniform, nondiscriminatory policy for      processing distributions and loans from the ESOP      Component. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 7.10 | Inability      to Locate Distributee |
|------|--------------------------------------|

| (a) | Notwithstanding      any other provision of the Plan, in the event that the Company cannot      locate any person to whom a payment or distribution is due under the Plan,      and no other distributee has become entitled thereto pursuant to any      provision of the Plan, the Combined Account in respect of which such      payment or distribution is to be made shall be forfeited at the close of      the third Plan Year following the Plan Year in which such payment or      distribution first became due (but in all events prior to the time such      Combined Account would otherwise escheat under any applicable State law);      provided, that any Combined Account so forfeited shall be reinstated if      such person subsequently makes a valid claim for such    benefit. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      reinstatement shall be provided by an additional contribution for the Plan      Year in which such reinstatement ismade. |
|-----|------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Any      amount forfeited under this Section 7.10 shall be applied to reduce the      next succeeding Company contribution under Article  3. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------|

| 7.11 | Restrictions      on In-Service Distributions |
|------|-----------------------------------------------|

| 7.12 | Direct      Rollovers |
|------|-----------------------|

| (a) | Notwithstanding      any other provision of the Plan to the contrary that would otherwise limit      a Distributee’s election under this Article 7, a Distributee may elect, at      the time and in the manner prescribed by the Plan Administrator, to have      any portion of an Eligible Rollover Distribution paid directly to one or      more Eligible Retirement Plans specified by the Distributee in a Direct      Rollover. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      following terms shall have the following meanings when used in this      Section 7.12: |
|-----|-------------------------------------------------------------------------------------------------|

|   | (1) | Eligible      Rollover Distribution.  An “Eligible Rollover Distribution” is      any distribution of all or any portion of the balance to the credit of the      Distributee, except that an Eligible Rollover Distribution does not      include: any distribution that is one of a series of substantially equal      periodic payments (not less frequently than annually) made for the life      (or life expectancy) of the Distributee or the joint lives (or life      expectancies) of the Distributee and the Distributee’s designated      Beneficiary, or for a specified period of ten years or more; any      distribution to the extent      such distribution is required under Section 401(a)(9) of the Code;      Hardship Distributions; and the portion of any distribution that is not      includable in gross income (determined without regard to the exclusion for      net unrealized appreciation with respect to employer      securities). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | Eligible      Retirement Plan.  An “Eligible Retirement Plan” is an individual      retirement account described in Section 408(a) of the Code, an individual      retirement annuity described in Section 408(b) of the Code, a qualified      trust described in Section 401(a) of the Code, an annuity contract      described in Section 403(b) of the Code and an eligible plan under Section      457(b) of the Code which is maintained by a state, political subdivision      of a state, or any agency or instrumentality of a state or political      subdivision of a state and which agrees to separately account for amounts      transferred into such plan from this Plan.  The definition of      Eligible Retirement Plan shall also apply in the case of a distribution to      a surviving spouse, or to a spouse or former spouse who is the alternate      payee under a qualified domestic relation order, as defined in Section      414(p) of the Code. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Distributee.  A      “Distributee” includes an Employee or a former Employee.  In      addition, the Employee’s or former Employee’s surviving spouse and the      Employee’s or former Employee’s spouse who is the alternate payee under a      qualified domestic relations order, as defined in Section 414(p) of the      Code, are Distributees with regard to the interest of the spouse or former      spouse. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Direct      Rollover.  A “Direct Rollover” is a payment by the Plan to the      Eligible Retirement Plan specified by the  Distributee. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.13 | Qualified      Domestic Relations Orders |
|------|------------------------------------------|

----

| 8.1 | Appointment      of ESOP Committee |
|-----|------------------------------------|

| (a) | There      is hereby authorized an ESOP Committee, which shall consist of not less      than three members.  The Board of Directors of the Company shall      appoint the members of the Committee.  Each member of the      Committee may resign, or may be removed at any time by the Board of      Directors of the Company (with or without cause), and, in the event of the      removal, death or resignation of any member, his successor shall be      appointed by the Board of Directors of the Company.  In the      event that a vacancy or vacancies shall occur on the Committee, the      remaining member or members shall act as the Committee until the Board of      Directors of the Company fills such vacancy or vacancies.  The      members of the Committee shall serve without compensation for their      services as such members. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | No      person shall be ineligible to be a member of the Committee because he is,      was or may become entitled to benefits under the Plan or because he is a      director and/or officer of the Company or any Related Company; provided,      that no member of the Committee shall participate in any determination by      the Committee relating specifically to his own benefits under the      Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      members of the Committee shall serve without bond except to the extent      required by applicable law. |
|-----|------------------------------------------------------------------------------------------------------------------|

| 8.2 | Named      Fiduciaries |
|-----|------------------------|

| (a) | Named      Fiduciaries under the Plan shallbe: |
|-----|------------------------------------------------|

|   | (1) | the      Plan Administrator, who shall have authority to control and manage the      operation and administration of the Plan, except with respect to those      matters that under the Plan or the Trust Agreement are the responsibility,      or subject to the authority, of the Committee or the Trustee,      and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      Committee, which shall be the named fiduciary with respect to the      financial management of the Plan and the control or management of the      assets of the Plan, except with respect to those matters that under the      Plan or the Trust Agreement are the responsibility, or subject to the      authority, of the Plan Administrator or the Trustee.  Consistent      with ERISA, the Committee may further delegate these duties, including      without limitation, establishing separate subcommittees responsible for      the financial management of the ESOP Component and the Non-ESOP      Component. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Participants,      with respect to the voting of Company Stock in their ESOP Accounts, as      described in Section 14.1(a)(1), and with respect to the one-time election      in Company Stock, as described in Section6.4. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

----

| 8.3 | Allocation      of Fiduciary and OtherResponsibilities |
|-----|--------------------------------------------------------|

| (a) | Each      Named Fiduciary (with the exception of Participants) shall have the      right: |
|-----|-------------------------------------------------------------------------------------------|

|   | (1) | to      allocate responsibilities (fiduciary or otherwise) among it and the other      Named Fiduciary, |
|--------|-----|---------------------------------------------------------------------------------------------------------|

|   | (2) | to      designate individual members of the Committee to carry out      responsibilities (fiduciary or otherwise) under the Plan,    and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | to      designate persons other than such Named Fiduciaries to carry out      responsibilities (fiduciary or otherwise) under the  Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

| 8.4 | Quorum      and Voting; Procedures |
|-----|------------------------------------|

| (a) | A      majority of the members of the Committee at the time in office shall      constitute a quorum for the transaction of business.  The Board      of Directors of the Company shall select from among the Committee members      a Chairman, and shall appoint (from its members or otherwise) a      Secretary. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Committee may act by vote or written consent of the majority of its      members then in office and may establish its own      procedures.  The Committee may authorize any one or more of its      members or the Secretary or any designee of the Committee to sign and      deliver any instrument, certificate or other paper or document on its      behalf. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.5 | Service      in Multiple Capacities |
|-----|-------------------------------------|

| 8.6 | Powers      and Authority |
|-----|---------------------------|

| 8.7 | Powers      of Plan Administrator |
|-----|-----------------------------------|

| (a) | Without      limiting the generality of the foregoing, the Plan Administrator shall      have the power: |
|-----|----------------------------------------------------------------------------------------------------------|

----

| (1) | to      make rules and regulations for the administration of the Plan that are not      inconsistent with the terms and provisions of the  Plan; |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | to      construe all terms, provisions, conditions and limitations of the      Plan; |
|--------|-----|--------------------------------------------------------------------------------------|

|   | (3) | to      determine all questions arising out of or in connection with the      provisions of the Plan or its administration in any and all cases in which      he deems such a determination advisable;and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | to      establish a claims procedure in accordance with applicable law, which      shall afford a reasonable opportunity to any Participant whose claim for      benefits has been denied for a full and fair review of the decision      denying such claim. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      all instances, the Plan Administrator shall have complete discretionary      authority to find facts, determine eligibility for participation and      benefits under the Plan, and to construe and interpret all provisions of      the Plan and all documents relating thereto including, without limitation,      all disputed and uncertain terms.  All deference permitted by      law shall be given to such findings, constructions, interpretations and      determinations. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.8 | Powers      of Committee |
|-----|--------------------------|

| (a) | Without      limiting the generality of the foregoing, the Committee shall have the      power: |
|-----|-------------------------------------------------------------------------------------------------|

|   | (1) | to      establish and carry out, or cause to be established and carried out by      those persons (including without limitation, any investment manager or      trustee) to whom responsibility or authority therefore has been allocated      or delegated in accordance with this Plan or the Trust Agreement, funding      and investment policies and methods consistent with the objectives of the      Plan and the requirements of ERISA.  For such purposes, such      Committee shall, at a meeting duly called for the purpose, establish      funding and investment policies and methods that satisfy the requirements      of ERISA, and shall meet at least annually to review such policies and      methods.  All actions taken with respect to such policies and      methods and the reasons therefore shall be recorded in the minutes of the      meetings of such Committee; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | to      appoint a trustee or trustees to hold the assets of the Plan, and who,      upon acceptance of being appointed, shall have authority and discretion to      manage and control the assets of the Plan, except to the extent that the      authority to manage, acquire or dispose of assets of the Plan is delegated      to one or more investment managers pursuant to paragraph (3) below;      and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | to      appoint an investment manager or managers, as defined in Section 3(38) of      ERISA, to manage (including the power to acquire, invest and dispose of)      any assets of the Plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Reserved. |
|-----|-----------|

----

| 8.9 | Advisors |
|-----|----------|

| 8.10 | Powers      Not Exclusive |
|------|---------------------------|

| 8.11 | Limitation      of Liability; Indemnity |
|------|-----------------------------------------|

| 9.1 | Amendment |
|-----|-----------|

| (a) | Subject      to the provisions hereinafter set forth, the Company reserves the right at      any time and from time to time to modify or amend in whole or in part any      or all of the provisions of the Plan, provided however,    that: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | no      modification or amendment may be made which by reason thereof will deprive      any Participant or Former Participant or Beneficiary without his consent      of any amounts theretofore credited to his Combined Account under the      Plan; and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | no      such modification or amendment shall make it possible for any part of any      funds contributed under the Plan to be used for, or diverted to, purposes      other than for the exclusive benefit of Participants or Former      Participants or Beneficiaries under      the Plan, subject to subsection (b) below, or as otherwise may be required      or permitted under applicablelaw. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Notwithstanding      subsection (a) above, any modification or amendment of the Plan may be      made, retroactively if necessary, that the Company deems necessary or      appropriate to bring the Plan or Trust into conformity with governmental      regulations that must be complied with in order to qualify the Plan, the      Trust and contributions for tax exemption or deduction, or other      applicable requirements of statute or governmental      regulations. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.1 | Termination |
|------|-------------|

| (a) | The      Company assumes no obligation to continue this Plan and specifically      reserves the right at any time and for any reason deemed sufficient by it      to discontinue this Plan and contributions under  it. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Upon      complete or partial termination of, or complete discontinuance of      contributions under the Plan, the rights of all affected Participants to      the amounts credited to their Combined Accounts shall be nonforfeitable,      except to the extent required to preclude discrimination between      Participants and classes of Participants.  In the case of a sale      of all or a significant portion of the assets used by the Company or an      Affiliate in a trade or business or of the sale of all or a significant      portion of the Company’s or an Affiliate’s interest in a subsidiary, the      Company, in its sole discretion, may elect to treat any similarly situated      employees of such trade or business or such subsidiary as fully vested      hereunder. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | In      the event of such termination, subject to the limitations set forth in      Article 9, the Trustee(s) shall dispose of any and all funds held under      the Plan by any Trustee in accordance with the written order of the      Committee.  The Committee shall determine the amounts that are      payable under the Plan to Participants or Former Participants or for      administrative expenses of the Plan, and shall direct the Trustee to pay      over any and all funds either directly to the persons certified by it to      be entitled to receive such amounts, to an insurance company or companies      for the purchase of annuity contracts or to the Company for distribution,      or to hold such amounts for distribution at the time and in the manner      provided for in Article 7. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.2 | Plan      Merger |
|------|------------------|

----

| 11.1 | No      Employment Rights |
|------|---------------------------|

| 11.2 | Spendthrift      Clause |
|------|-------------------------|

| (a) | Except      as otherwise required or permitted by law, no interest, right or claim in      or to any part of the Fund or any payment there from shall be assignable,      transferable or subject to sale, mortgage, pledge, hypothecation,      commutation, anticipation, garnishment, attachment, execution or levy of      any kind, and the Company shall not recognize any attempt to assign,      transfer, sell, mortgage, pledge, hypothecate, commute or anticipate the      same. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Section      11.2(a) above shall apply to the creation, assignment or recognition of a      right to any benefit payable pursuant to a domestic relations order,      unless such order is determined by the Plan Administrator to be a      “qualified domestic relations order” as defined in Section 414(p) of the      Code. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Section      11.2(a) above shall not apply to the offset of a Participant’s benefit      under the Plan of an amount the Participant is required to pay to the Plan      pursuant to a criminal conviction, civil judgment or settlement agreement      described in Section 401(a)(13)(C) of theCode. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 11.3 | Incompetents |
|------|--------------|

| 11.4 | Minors |
|------|--------|

----

| 11.6 | Discharge      of Liability |
|------|-----------------------------|

| 12.1 | Application      of Article 12 |
|------|--------------------------------|

| 12.2 | Top-Heavy      Determination |
|------|------------------------------|

| (a) | For      purposes of this Article 12, the Plan is a Top-Heavy Plan with respect to      a Plan Year if, as of the Determination Date for the Plan Year, (1) the      Plan has a Top-Heavy Ratio greater than 60% and is not a member of a      Required Aggregation Group, or (2) the Plan is a member of a Required      Aggregation Group that has a Top-Heavy Ratio greater than    60%. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Notwithstanding      Subsection (a) above, if the Plan is a member of a Permissive Aggregation      Group with a Top-Heavy Ratio less than or equal to 60%, it shall not be      considered to be a Top-Heavy Plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.3 | Reserved |
|------|----------|

----

| 12.4 | Minimum      Contributions |
|------|----------------------------|

| (a) | If      the Plan is determined to be a Top-Heavy Plan for a Plan Year, minimum      employer contributions (including forfeitures) shall be made, on behalf of      each Participant who has not separated from service as of the end of the      Plan Year and who is not a Key Employee, of not less than the lesser of      the following percentage of annual Compensation for that Plan      Year: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | 3%,      or |
|--------|-----|-------------|

|   | (2) | the      highest percentage at which employer contributions (including forfeitures      and amounts contributed pursuant to a salary reduction agreement) are made      under the Plan for the Plan Year on behalf of a Key    Employee. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | A      Top-Heavy Plan shall not be treated as meeting the requirements of this      Section 12.4 unless the Plan meets such requirements without taking into      account any Social Security contributions or  benefits. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      subsections (a) and (b) above, this Section 12.4 shall not apply to any      Participant to the extent that such Participant is covered under any other      qualified plan of the Company or a Related Company and such other plan      provides the minimum allocation or benefit requirement applicable to      Top-Heavy plans. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.5 | Reserved |
|------|----------|

| 12.6 | Definitions |
|------|-------------|

| (a) | For      purposes of this Article 12, the following terms shall have the following      meanings: |
|-----|---------------------------------------------------------------------------------------------------|

|   | (1) | “Determination      Date” means, with respect to a Plan Year, the last day of the preceding      Plan Year or, in the case of the first Plan Year, the last day of the Plan      Year. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | “Key      Employee” means any individual considered as such under Section 416(i)(1)      of the Code. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------|

|   | (3) | “Permissive      Aggregation Group” means each plan in the Required Aggregation Group and      any other qualified plan or plans maintained by the Company or a Related      Company if such group of plans, when considered together, would meet the      requirements of Sections 401(a)(4) and 410 of the Code.  A      terminated plan of the Company is treated like any other plan of the      Company for this purpose if it was      maintained within the last five years ending on the Determination Date for      the Plan Year in question and would, but for the fact that it terminated,      be part of a Required Aggregation Group for such Plan      Year. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (4) | “Required      Aggregation Group” means, with respect to a Plan Year for which a      determination is being made, (1) this Plan, (2) each other qualified plan      of the Company and any Related Company in which at least one Key Employee      is a participant and (3) any other qualified plan of the Company or any      Related Company that enables any plan described in items (1) and (2) above      to meet the requirements of Section 401(a)(4) or 410 of the      Code.  A terminated plan of the Company is treated like any      other plan of the Company for this purpose if it was maintained within the      last five years ending on the Determination Date for the Plan Year in      question and would, but for the fact that it terminated, be part of a      Required Aggregation Group for such PlanYear. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | “Top-Heavy      Ratio” means, with respect to the plans taken into consideration, a      fraction, the numerator of which is the sum of the Key Employees’ account      balances under the applicable defined contribution plans and the present      value of the Key Employees’ accrued benefits under the applicable defined      benefit plans, and the denominator of which is the sum of all      participants’ account balances under the applicable defined contribution      plans and the present value of all participants’ benefits under the      applicable defined benefit plans.  Both the numerator and the      denominator of this fraction are adjusted so as to include in-service      distributions made in the plan year containing the Determination Date or      in the four preceding plan years and in the case of defined contribution      plans, any contributions due but unpaid as of the Determination      Date.  The preceding sentence shall also apply to distributions      under a terminated plan that if it had not been terminated would have been      included in the Required Aggregation Group.  The value of      account balances and the present value of accrued benefits will be      determined as of the most recent valuation date that falls within or ends      with the 12-month period ending on the Determination Date.  The      account balances and accrued benefits of an individual who is not a Key      Employee but who was a Key Employee in a prior year will be      disregarded.  When more than one plan is being considered, the      value of account balances and accrued benefits will be calculated with      reference to the Determination Dates that fall within the same calendar      year.  Present values shall be based on reasonable actuarial      assumptions as to interest and mortality.  Solely for the      purpose of determining if the Plan, or any other plan included in an      aggregation group of which this Plan is a part, is top-heavy, the accrued      benefit of a Participant other than a Key Employee shall be determined      under (1) the method, if any, that uniformly applies for accrual purposes      under all plans maintained by the Company or a Related Company or (2) if      there is no such method, as if such benefit accrued not more rapidly than      the slowest accrual rate permitted under the fractional accrual rate of      Section 411(b)(1)(C) of the Code.  In all instances, the      calculation of the Top-Heavy Ratio, and the extent to which distributions,      rollovers, and transfers are taken into account, will be made in      accordance with Section 416 of the Code and the regulations there under,      as may be amended. |
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|   | (b) | Reserved. |
|--------|-----|-----------|

| 13.1 | Right      of First Refusal |
|------|-----------------------------|

| (a) | The      transfer upon disposition of any such shares by any legal representative,      heir or legatee, but the shares shall remain subject to the Right of First      Refusal; or |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      transfer while Company Stock is listed on a national securities exchange      registered under Section 6 of the Securities Exchange Act of 1934 or      quoted on a system sponsored by a national securities association      registered under Section 15A(b) of the Securities Exchange Act of      1934. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.2 | Put      Option |
|------|-----------------|

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| 13.3 | Share      Legend; Other Restrictions |
|------|---------------------------------------|

| 13.4 | Nonterminable      Rights |
|------|---------------------------|

| 14.1 | Voting      of Company Stock |
|------|------------------------------|

| (a) | The      voting of Company Stock held in the Trust shall be subject to the      provisions of ERISA and the following provisions, to the extent such      provisions are not inconsistent withERISA: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | With      respect to any corporate matter that involves the voting of Company Stock      with respect to the approval or disapproval of any corporate merger or      consolidation, recapitalization, reclassification, liquidation,      dissolution, sale of substantially all of the assets of a trade or      business, or such other transactions that may be prescribed by regulation      (and, if the Company has a registration-type class of securities, all      other shareholder voting issues), each Participant may be entitled to      direct the Trustee as to the exercise of any shareholder voting rights      attributable to shares of Company Stock then allocated to his ESOP      Accounts, but only to the extent required by Sections 401(a)(22) and      409(e)(3) of the Code and the regulations there under. For purposes of the      foregoing sentence, each Participant shall be a Named Fiduciary of the      Plan as described in Section 402(a)(2) of ERISA.  The Committee      shall have the sole responsibility for determining when a corporate matter      has arisen that involves the voting of Company Stock under this      provision.  If a Participant is entitled to so direct the      Trustee, all allocated Company Stock as to which such instructions have      been received (which may include an instruction to abstain) shall be voted      by the Trustee in accordance with such instructions, provided that the      Trustee may vote the shares as it determines is necessary to fulfill his      fiduciary duties under ERISA.  The Trustee shall vote any shares      as to which no voting instructions have been received at the direction of      the Committee, subject to his fiduciary duties under  ERISA. |
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|   | (2) | In      all other circumstances, the Trustee shall vote all shares of Company      Stock as directed by the Committee. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------|

| 14.2 | Tendering      of Company Stock |
|------|---------------------------------|

| (a) | The      tendering of Company Stock held in the Trust shall be subject to the      provisions of ERISA and the following provisions, to the extent such      provisions are not inconsistent withERISA: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | In      the event of a tender offer or other offer to purchase shares of Company      Stock held by the Trust, the Trustee shall tender or sell the shares as      directed by each Participant (or, if applicable, designated Beneficiary or      alternate payee) with respect to shares of Company Stock then allocated to      his ESOP Accounts, subject to the fiduciary duties under      ERISA.  In all other circumstances, the Trustee shall tender or      exchange shares of Company Stock as directed by the ESOP      Committee.  In carrying out its responsibilities under this      Section, the Trustee may rely on information furnished to it by the Plan      Administrator, including the names and current addresses of Participants,      the number of shares of Company Stock allocated to their ESOP Accounts,      and the number of shares of Company Stock held by the Trustee (if any)      that have not yet been allocated. |
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| 15.1 | Severability |
|------|--------------|

| 15.2 | Captions |
|------|----------|

| 15.3 | Construction |
|------|--------------|