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APPLETON PAPERS INC.

| ARTICLE      1.          Definitions                                   |                                                                                                            | 1                   |
|--------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------|---------------------|
| 1.01                                                                                                                     | Actuarial      Equivalent                                                                                       | 1                   |
| 1.02                                                                                                                     | Actuarial      Value                                                                                            | 1                   |
| 1.03                                                                                                                     | Affiliate;      Controlled Group Affiliate.                                                                     | 1                   |
| 1.04                                                                                                                     | Basic      Monthly Benefit                                                                                      | 2                   |
| 1.05                                                                                                                     | Benefit      Finance Committee                                                                                  | 2                   |
| 1.06                                                                                                                     | Benefit      Service                                                                                            | 2                   |
| 1.07                                                                                                                     | Break      in Service.                                                                                          | 2                   |
| 1.08                                                                                                                     | Code                                                                                                            | 2                   |
| 1.09                                                                                                                     | Committee                                                                                                       | 2                   |
| 1.1                                                                                                                      | Company.                                                                                                        | 3                   |
| 1.11                                                                                                                     | Covered      Compensation.                                                                                      | 3                   |
| 1.12                                                                                                                     | Disability                                                                                                      | 3                   |
| 1.13                                                                                                                     | Earliest      Retirement Age                                                                                    | 3                   |
| 1.14                                                                                                                     | Eligible      Employee.                                                                                         | 4                   |
| 1.15                                                                                                                     | Employment      Date                                                                                            | 4                   |
| 1.16                                                                                                                     | ERISA                                                                                                           | 4                   |
| 1.17                                                                                                                     | Final      Average Monthly Compensation.                                                                        | 4                   |
| 1.18                                                                                                                     | Highly      Compensated Employee                                                                                | 6                   |
| 1.19                                                                                                                     | Hour      of Service                                                                                            | 6                   |
| 1.2                                                                                                                      | NCR      Plan                                                                                                   | 6                   |
| 1.21                                                                                                                     | Normal      Retirement Age                                                                                      | 6                   |
| 1.22                                                                                                                     | Normal      Retirement Date                                                                                     | 7                   |
| 1.23                                                                                                                     | Normal      Retirement Pension                                                                                  | 7                   |
| 1.24                                                                                                                     | Participant.                                                                                                    | 7                   |
| 1.25                                                                                                                     | Pension      Commencement Date                                                                                  | 7                   |
| 1.26                                                                                                                     | Plan                                                                                                            | 7                   |
| 1.27                                                                                                                     | Plan      Year                                                                                                  | 7                   |
| 1.28                                                                                                                     | Pre-1988      Retiree                                                                                           | 7                   |
| 1.29                                                                                                                     | Pre-Retirement      Surviving Spouse Annuity                                                                    | 7                   |
| 1.3                                                                                                                      | Primary      Insurance Amount.                                                                                  | 7                   |
| 1.31                                                                                                                     | Qualified      Domestic Relations Order                                                                         | 8                   |
| 1.32                                                                                                                     | Qualified      Election.                                                                                        | 8                   |
| 1.33                                                                                                                     | Qualified      Joint and Surviving Spouse Annuity.                                                              | 9                   |
| 1.34                                                                                                                     | Reemployment      Date                                                                                          | 9                   |
| 1.35                                                                                                                     | Retirement      Pension                                                                                         | 9                   |
| 1.36                                                                                                                     | Rule      of 65 Retiree                                                                                         | 9                   |
| 1.37                                                                                                                     | Spouse      or Surviving Spouse.                                                                                | 9                   |
| 1.38                                                                                                                     | Starting      Date                                                                                              | 10                  |
| 1.39                                                                                                                     | Supplement                                                                                                      | 10                  |
| 1.4                                                                                                                      | Termination      of Employment                                                                                  | 10                  |
| 1.41                                                                                                                     | Trust                                                                                                           | 10                  |
| 1.42                                                                                                                     | Trust      Agreement                                                                                            | 10                  |
| 1.43                                                                                                                     | Trust      Fund                                                                                                 | 10                  |
| 1.44                                                                                                                     | Trustee                                                                                                         | 10                  |
| 1.45                                                                                                                     | Vested      Retirement Pension                                                                                  | 10                  |
| 1.46                                                                                                                     | Vesting      Service                                                                                            | 10                  |
| ARTICLE      2.          Participation                                 |                                                                                                            | 11                  |
| 2.01                                                                                                                     | General      Rule.                                                                                              | 11                  |
| 2.02                                                                                                                     | Effect      of Break in Service.                                                                                | 11                  |
| 2.03                                                                                                                     | Participation      Automatic                                                                                    | 12                  |
| 2.04                                                                                                                     | Nonparticipating      Divisions etc                                                                             | 12                  |
| 2.05                                                                                                                     | Special      Election  -  Plan Participants employed by the Company      on January 1, 2008 | 12                  |
| ARTICLE      3.          Contributions                                 |                                                                                                            | 13                  |
| 3.01                                                                                                                     | Amount                                                                                                          | 13                  |
| 3.02                                                                                                                     | Nonreversion      Clause.                                                                                       | 13                  |
| ARTICLE      4.         Service                                             |                                                                                                            | 13                  |
| 4.01                                                                                                                     | Hour      of Service.                                                                                           | 13                  |
| 4.02                                                                                                                     | Determinations      by Committee.                                                                               | 15                  |
| 4.03                                                                                                                     | Vesting      Service.                                                                                           | 15                  |
| 4.04                                                                                                                     | Benefit      Service.                                                                                           | 17                  |
| 4.05                                                                                                                     | Service      Prior to a Break in Service.                                                                       | 19                  |
| 4.06                                                                                                                     | Minimum      Service Requirement Upon Reemployment                                                              | 19                  |
| 4.07                                                                                                                     | Service      with Affiliates, etc.                                                                              | 20                  |
| 4.08                                                                                                                     | Transfers      Between Hours of Service and Elapsed Time Computations.                                          | 20                  |
| 4.09                                                                                                                     | Compliance      with the Uniformed Services Employment and Reemployment Rights Act of      1994                 | 21                  |
| ARTICLE      5.          Retirement      Pension                       |                                                                                                            | 21                  |
| 5.01                                                                                                                     | Retirement      At or After Normal Retirement Age.                                                              | 21                  |
| 5.02                                                                                                                     | Early      Retirement Pension.                                                                                  | 24                  |
| 5.03                                                                                                                     | Service      Under Other Plans.                                                                                 | 26                  |
| 5.04                                                                                                                     | Disability      Retirement Pension.                                                                             | 27                  |
| 5.05                                                                                                                     | Vested      Retirement Pension.                                                                                 | 29                  |
| 5.06                                                                                                                     | Reemployment      Before Pension Commencement Date                                                              | 29                  |
| 5.07                                                                                                                     | Non-Duplication      of Benefits.                                                                               | 30                  |
| 5.08                                                                                                                     | Special      Retirement Enhancement Program.                                                                    | 30                  |
|                                                                                                                     |                                                                                                            |                |
| 5.09                                                                                                                     | 1999      Special Retirement Enhancement Program (Newton Falls, Harrisburg      Plant).                         | 31                  |
| 5.1                                                                                                                      | 2000      Special Retirement Enhancement Program (All locations, except Harrisburg      and Newton Falls).      | 32                  |
| ARTICLE      6.          Pre-retirement      Surviving Spouse Benefits | 33                                                                                                              |
| 6.01                                                                                                                     | Special      Spouse Benefit.                                                                                    | 33                  |
| 6.02                                                                                                                     | Form      and Amount of Special Spouse Benefit.                                                                 | 33                  |
| 6.03                                                                                                                     | Pre-Retirement      Surviving Spouse Annuity.                                                                   | 33                  |
| 6.04                                                                                                                     | Application      to Participants Previously Terminated after ERISA Effective      Date                          | 34                  |
| 6.05                                                                                                                     | Plan      Death Benefits                                                                                        | 35                  |
| ARTICLE      7.           Method      of Payment                  |                                                                                                            | 35                  |
| 7.01                                                                                                                     | Normal      Form of Benefit                                                                                     | 35                  |
| 7.02                                                                                                                     | Automatic      Post-Retirement Surviving Spouse Option.                                                         | 35                  |
| 7.03                                                                                                                     | Participants      Terminating after September 1, 1974 and before ERISA Effective      Date.                     | 36                  |
| 7.04                                                                                                                     | Election      of Optional Forms of Payment.                                                                     | 36                  |
| 7.05                                                                                                                     | 75%      or 100% Surviving Spouse Option.                                                                       | 36                  |
| 7.06                                                                                                                     | Reemployment      of Pensioner.                                                                                 | 37                  |
| 7.07                                                                                                                     | Small      Benefits.                                                                                            | 37                  |
| 7.08                                                                                                                     | Time      of Commencement of Benefits.                                                                          | 38                  |
| 7.09                                                                                                                     | Employment      After Normal Retirement Date or After Commencement of      Benefits.                            | 39                  |
| 7.1                                                                                                                      | Required      Commencement of Benefits.                                                                         | 40                  |
| 7.11                                                                                                                     | Qualified      Domestic Relations Orders.                                                                       | 40                  |
| 7.12                                                                                                                     | Spouses      of Certain Early Retirees                                                                          | 42                  |
| 7.13                                                                                                                     | Eligible      Rollover Distributions.                                                                           | 42                  |
| ARTICLE      8.          Forfeitures                                   |                                                                                                            | 44                  |
| 8.01                                                                                                                     | Forfeitures                                                                                                     | 44                  |
| 8.02                                                                                                                     | Deemed      Distributions and Forfeitures                                                                       | 44                  |
| ARTICLE      9.         Plan      Administration                            |                                                                                                            | 44                  |
| 9.01                                                                                                                     | Appointment      of Committees.                                                                                 | 44                  |
| 9.02                                                                                                                     | Named      Fiduciaries.                                                                                         | 44                  |
| 9.03                                                                                                                     | Allocation      of Fiduciary and Other Responsibilities.                                                        | 45                  |
| 9.04                                                                                                                     | Quorum      and Voting; Procedures                                                                              | 45                  |
| 9.05                                                                                                                     | Service      in Multiple Capacities                                                                             | 45                  |
| 9.06                                                                                                                     | Powers      and Authority.                                                                                      | 45                  |
| 9.07                                                                                                                     | Advisors                                                                                                        | 47                  |
| 9.08                                                                                                                     | Limitation      of Liability; Indemnity.                                                                        | 47                  |
|                                                                                                                     |                                                                                                            |                |
| 9.09                                                                                                                     | Expenses                                                                                                        | 47                  |
| ARTICLE      10.        Trust    Fund                                            |                                                                                                            | 47                  |
| 10.01                                                                                                                    | Trust      Fund.                                                                                                | 47                  |
| ARTICLE      11.       Amendment or      Merger                                       |                                                                                                            | 48                  |
| 11.01                                                                                                                    | Right      Reserved.                                                                                            | 48                  |
| 11.02                                                                                                                    | Amendments      Required for Qualification                                                                      | 48                  |
| 11.03                                                                                                                    | Merger.                                                                                                         | 48                  |
| ARTICLE      12.       Termination of the      Plan                                   |                                                                                                            | 48                  |
| 12.01                                                                                                                    | Rights      Reserved                                                                                            | 48                  |
| 12.02                                                                                                                    | Vesting      Upon Plan Termination.                                                                             | 49                  |
| 12.03                                                                                                                    | Priority      and Method of Distribution.                                                                       | 49                  |
| 12.04                                                                                                                    | Determination      by Committees                                                                                | 49                  |
| 12.05                                                                                                                    | Return      of Actuarial Excess                                                                                 | 49                  |
| 12.06                                                                                                                    | Expenses      of Termination                                                                                    | 50                  |
| 12.07                                                                                                                    | Restriction      on Benefits                                                                                    | 50                  |
| ARTICLE      13.       Miscellaneous                                                  |                                                                                                            | 50                  |
| 13.01                                                                                                                    | Payment      to a Minor or Incompetent.                                                                         | 50                  |
| 13.02                                                                                                                    | Doubt      as to Right to Payment                                                                               | 50                  |
| 13.03                                                                                                                    | Spendthrift      Clause.                                                                                        | 51                  |
| 13.04                                                                                                                    | Benefits      Payable Only by Trustee                                                                           | 51                  |
| 13.05                                                                                                                    | Estoppel      of Participants and Their Beneficiaries; Discharge of      Liability.                             | 51                  |
| 13.06                                                                                                                    | Limitation      of Liability                                                                                    | 52                  |
| 13.07                                                                                                                    | Construction                                                                                                    | 52                  |
| 13.08                                                                                                                    | Gender      and Number                                                                                          | 52                  |
| 13.09                                                                                                                    | Notice      of Address - Inability to Locate Distributee.                                                       | 52                  |
| 13.1                                                                                                                     | Data                                                                                                            | 53                  |
| 13.11                                                                                                                    | Separability                                                                                                    | 53                  |
| 13.12                                                                                                                    | Captions                                                                                                        | 53                  |
| 13.13                                                                                                                    | Governing      Law                                                                                              | 53                  |
| 13.14                                                                                                                    | Right      of Discharge Reserved.                                                                               | 53                  |
| 13.15                                                                                                                    | Adoption      by Affiliate                                                                                      | 54                  |
| ARTICLE      14.        Limitation on      Benefits                              |                                                                                                            | 54                  |
| 14.01                                                                                                                    | Purpose      and Definitions.                                                                                   | 54                  |
| 14.02                                                                                                                    | Limitation      on Annual Benefits.                                                                             | 56                  |
| 14.03                                                                                                                    | Adjustments      for Early or Late Payment.                                                                     | 57                  |
| 14.04                                                                                                                    | Conditional      Exemption for Pensions Under $10,000                                                           | 58                  |
|                                                                                                                     |                                                                                                            |                |
| 14.05                                                                                                                    | Participants      with Fewer than Ten Years of Service.                                                         | 58                  |
| 14.06                                                                                                                    | Benefits      Payable Under More than one Defined Benefit Plan                                                  | 58                  |
| 14.07                                                                                                                    | Participation      in Defined Contribution Plan.                                                                | 59                  |
| 14.08                                                                                                                    | Benefits      from Transferred Assets Disregarded.                                                              | 61                  |
| ARTICLE      15.       “Top Heavy”      Provisions                        |                                                                                                            | 62                  |
| 15.01                                                                                                                    | Plans      Included in Determination of “Top Heavy” Status.                                         | 62                  |
| 15.02                                                                                                                    | “Key      Employee”.                                                                                | 62                  |
| 15.03                                                                                                                    | “Top      Heavy” Test                                                                               | 63                  |
| 15.04                                                                                                                    | Determination      Dates                                                                                        | 64                  |
| 15.05                                                                                                                    | Valuation                                                                                                       | 64                  |
| 15.06                                                                                                                    | Distribution      within Five Years                                                                             | 64                  |
| 15.07                                                                                                                    | No      Service Within Five Years                                                                               | 64                  |
| 15.08                                                                                                                    | Compliance      With Code Section 416                                                                           | 64                  |
| 15.09                                                                                                                    | Beneficiaries                                                                                                   | 64                  |
| 15.1                                                                                                                     | Provisions      Applicable in “Top Heavy” Years.                                                    | 64                  |
| 15.11                                                                                                                    | Represented      Employees                                                                                      | 66                  |
| ARTICLE      16.        Leased      Employees                                    |                                                                                                            | 66                  |
| 16.01                                                                                                                    | Definitions                                                                                                     | 66                  |
| 16.02                                                                                                                    | Treatment      of Leased Employees                                                                              | 66                  |
| 16.03                                                                                                                    | Exception      for Employees Covered by Plans of Leasing Organization                                           | 66                  |
| 16.04                                                                                                                    | Construction                                                                                                    | 67                  |
|                                                                                                                     |                                                                                                            |                |
| APPENDIX      A                                                                                                          |                                                                                                            |                |
| Actuarial      Assumptions                                                                                               |                                                                                                            | APPENDIX      A-1   |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      A                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to Participants With                                                                  |                                                                                                            |
| Pre-1966      Service                                                                                                    |                                                                                                            | SUPPLEMENT      A-1 |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      B                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to Certain                                                                            |                                                                                                            |                |
| Salaried      Employees of West Carrollton, Ohio Location                                                                | SUPPLEMENT      B-1                                                                                             |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      C                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to Portage Employees                                                                  | SUPPLEMENT      C-1                                                                                             |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      D                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to                                                                                    |                                                                                                            |                |
| Employees      of East Shore Chemical Co., Inc.                                                                          |                                                                                                            | SUPPLEMENT      D-1 |
|                                                                                                                     |                                                                                                            |                |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      E                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to Newton Falls Employees                                                             | SUPPLEMENT      E-1                                                                                             |
|                                                                                                                     |                                                                                                            |                |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      F                                                                                                        |                                                                                                            |                |
| Withdrawal      of Appleton Coated LLC                                                                                   |                                                                                                            | SUPPLEMENT      F-1 |
| SUPPLEMENT      G                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to                                                                                    |                                                                                                            |                |
| Appleton      Employees of the Appleton, Wisconsin Plant                                                                 |                                                                                                            |
| Represented      by Paper, Allied-Industrial, Chemical                                                                   |                                                                                                            |
| and      Energy Workers International Union, Local 469                                                                   | SUPPLEMENT      G-1                                                                                             |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      H                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to                                                                                    |                                                                                                            |                |
| Appleton      Employees of the Roaring Spring, Pennsylvania Mill                                                         |                                                                                                            |
| Represented      by Paper, Allied-Industrial, Chemical                                                                   |                                                                                                            |
| and      Energy Workers International Union, Local 422                                                                   | SUPPLEMENT      H-1                                                                                             |
|                                                                                                                     |                                                                                                            |                |
| SUPPLEMENT      I                                                                                                        |                                                                                                            |                |
| Special      Provisions Applicable to                                                                                    |                                                                                                            |                |
| Appleton      Employees of the Harrisburg, Pennsylvania Plant                                                            |                                                                                                            |
| Represented      by Paper, Allied-Industrial, Chemical                                                                   |                                                                                                            |
| and      Energy Workers International Union, Local 1098                                                                  | SUPPLEMENT      I-1                                                                                             |

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| 1.01 | Actuarial      Equivalent.  The term “Actuarial Equivalent” means a      benefit of equivalent value determined on the basis of the actuarial      principles set forth in Appendix A, except as otherwise expressly provided      in the Plan. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.02 | Actuarial      Value.  The term “Actuarial Value” means the immediate      cash value of a benefit determined on the basis of the actuarial      principles set forth in Appendix A, except as otherwise expressly provided      in the Plan. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.03 | Affiliate; Controlled      Group Affiliate. |
|------|---------------------------------------------|

| (a) | The      word “Affiliate” and the term “Controlled Group Affiliate” each mean any      member (other than the Company) of a controlled group of corporations      within the meaning of Code Section 414(b), or of a group of trades or      businesses (whether or not incorporated) under common control within the      meaning of Code Section 414(c), (or any member of an affiliated service      group (as defined in Section 414(m) of the Code) if such group includes      the Company at the time of reference.  For purposes of the      limitations on benefits prescribed by Article 14 of the Plan, the meanings      of controlled group and group of trades or businesses under common control      shall be as amended by Section 415(h) of the  Code. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | The      word “Affiliate” also means any member (other than the Company) of a group      of corporations having substantial common ownership or control that does      not meet the requirements of subsection (a) above, but which is designated      by the Company as such; for example, a “non-US Affiliate” is included      within this definition. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.04 | Basic Monthly      Benefit.  The term “Basic Monthly Benefit” means the      monthly amount of Normal Retirement Pension payable to a Participant in      the form of benefit described in Section 7.01 (single life      annuity). |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.05 | Benefit Finance      Committee.  The term “Benefit Finance Committee” means      the Committee of that name appointed pursuant to Article  9. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.06 | Benefit      Service.  The term “Benefit Service” means years of      Benefit Service counted in determining the amount of a Participant’s      benefits, as described in Section4.04. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.07 | Break in      Service. |
|------|------------------------|

| (a) | The      term “Break in Service” means a Plan Year in which an employee has less      than 501 Hours of Service or, with respect to a Full-Time Employee who      incurs a Severance Date on or after December 31, 1988, an Elapsed Time      Break in Service, as defined in Section4.05(c). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Solely      for the purpose of determining whether a Break in Service has occurred for      eligibility and vesting purposes, Hours of Service shall include Hours of      Service which would otherwise have been credited to an employee who is      absent from work for maternity or paternity reasons but for such absence,      or in any case in which such hours cannot be determined, 8 Hours of      Service per day of such absence, but not more than 501 such Hours of      Service in the aggregate. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | For      purposes of subsection (b) above, an absence from work for maternity or      paternity reasons means a cessation of active employment commencing after      December 31, 1984: (A) by reason of the pregnancy of the employee, (B) by      reason of a birth of a child of the employee, (C) by reason of the      placement of a child with the employee in connection with the adoption of      such child by such individual, or (D) for purposes of caring for such      child for a period beginning immediately following such birth or      placement. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      Hours of Service credited under subsection (b) above shall be credited:      (A) in the Plan Year in which the absence begins if the crediting is      necessary to prevent a Break in Service in that period, or (B) in all      other cases, in the following PlanYear. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.08 | Code.  The      word “Code” means the Internal Revenue Code of 1986 as amended from time      to time. Reference to a specific provision of the Code shall include such      provision, any valid regulation promulgated thereunder and any comparable      provision of future legislation that amends, supplements or supersedes      such provision. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.09 | Committee.  The      word “Committee” means the Administrative Committee appointed to      administer the Plan pursuant to Article 9 (or when used in Article 9 such      Committee or the Benefit Finance Committee, as the context may      require). |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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| 1.10 | 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      13.15. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.11 | Covered      Compensation. |
|------|----------------------------|

| (a) | The      following rules apply to the term “Covered  Compensation”: |
|-----|---------------------------------------------------------------------------------|

|   | (1) | The      term “Covered Compensation” means for any Plan Year, the average (without      indexing) of the Social Security taxable wage bases in effect under      Section 230 of the Social Security Act for each calendar year during the      35-year period ending with the last day of the calendar year in which the      Participant attains or will attain his Social Security Retirement Age. In      determining a Participant’s Covered Compensation for a Plan Year, the      taxable wage bases for the current Plan Year and any subsequent Plan Year      shall be assumed to be the same as those in effect for the Plan Year for      which the determination is beingmade. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      Participant’s Covered Compensation for any Plan Year after the 35-year      period described in paragraph (1) above is the Participant’s Covered      Compensation for the Plan Year in which the Participant attained his      Social Security Retirement Age. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | A      Participant’s Covered Compensation shall be automatically adjusted for      each Plan Year beginning on or after January 1, 1991 in accordance with      these rules. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of determining the amount of a Participant’s Covered Compensation      under subsection (a) above, the Plan Administrator may use tables provided      from time to time by the Commissioner of Internal Revenue, that are      developed by rounding the actual amounts of Covered Compensation for      different years of birth. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.12 | Disability.  The      word “Disability” means any medically determinable physical or mental      condition by reason of which an Eligible Employee becomes entitled to      benefits under a long-term disability plan maintained by the      Company. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.13 | Earliest Retirement      Age.  The term “Earliest Retirement Age” means the      earliest date on which the Participant could elect to receive benefits      under the Plan. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.14 | Eligible      Employee. |
|------|-------------------------|

| (a) | The      term “Eligible Employee” means (1) a non-bargaining unit employee of the      Company in regular employment and (2) any other employee who is classified      as an Eligible Employee under an applicable Supplement, but excluding (A)      any such employee who is eligible to actively participate in any other      funded retirement, pension or profit sharing plan of the Company (other      than the Appleton Papers Retirement Savings and Employee Stock Ownership      Plan and the Appleton Papers Retirement Medical Savings Plan), or to which      the Company makes contributions on his behalf, (B) non-union hourly      employees at Company distribution centers, and (C) contingent workers used      by the Company, such as independent contractors, vendor or agency      personnel or leased employees (including but not limited to Leased      Employees as defined in ARTICLE16). |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | An      individual who is determined by a governmental agency or court to be an      employee of the Company for federal income tax withholding purposes, even      though not previously so classified by the Company, shall be treated as      such from the date of such final and nonappealable determination (even      though the reclassification otherwise has an earlier effective date), but      shall in all events be treated as an employee other than a non-bargaining      unit employee. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      subsection (a) above, the term Eligible Employee shall include an employee      (whether or not a salaried employee) who is employed primarily to render      services within the jurisdiction of a union and whose compensation, hours      of work, or conditions of employment are determined by collective      bargaining with such union if, and only if, such collective bargaining      agreement expressly provides that such employee shall be eligible to      participate in this Plan, in which event, however, he shall be entitled to      participate in this Plan only to the extent and on the terms and      conditions specified in such collective bargaining    agreement. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.15 | Employment      Date.  The term “Employment Date” means the date on which      an employee first completes an Hour of Service described in Section      4.01(a)(1). |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.16 | ERISA.  The      acronym “ERISA” means the Employee Retirement Income Security Act of 1974,      as amended.  Reference to a specific provision of ERISA shall      include such provision, any valid regulation promulgated thereunder and      any comparable provision of future legislation that amends, supplements or      supersedes such provision. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.17 | Final Average Monthly      Compensation. |
|------|------------------------------------------|

| (a) | Effective      January 1, 1995, the term “Final Average Monthly Compensation” means the      monthly average of a Participant’s Compensation from the Company for the      highest 5 consecutive Plan Years during the last 10 Plan Years ending with      or immediately preceding the last day worked prior to retirement or other      Termination of Employment.  If the Participant’s period of      Service is less than 5 Plan Years, Compensation shall be averaged over the      Participant’s total period of Service.  [For Participants who      retire or terminate employment prior to January 1, 1995, such term is      defined as Final Average Monthly      Salary, and shall be applied as set forth in the Plan at the time of such      retirement or termination.] |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | For      Participants who retire or terminate employment on or after January 1,      1995, “Compensation” shall mean wages, tips and other compensation as      reported on IRS Form W-2, plus elective contributions that are made by the      Company on behalf of the Participant that are not includible in gross      income under section 125 or section 402(e)(3) of the Code, and, effective      January 1, 2001, any elective amounts that are not includible in the gross      income of the Employee by reason of section 132(f) of the Code, but      reduced by all of the following items (even if includible in gross      income): reimbursements or other expense allowances, fringe benefits (cash      and noncash), moving expenses, amounts paid under a severance pay plan or      other settlement plan or program of the Company, deferred compensation      (including, without limitation, amounts realized from the exercise of a      non-qualified stock option, or a right under a phantom stock plan) and      welfare benefits. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      a Participant, because of absence for sickness or disability, or other      authorized leave of absence, or on account of Disability (as defined in      Section 1.12), does not have Compensation, Compensation shall be      calculated in accordance with subsection (a) hereof, but by imputing the      Participant’s Compensation at its last effective rate immediately prior to      the commencement of such absence or Disability for the period thereof, but      in no event more than 5 Plan Years. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Compensation      shall include only that Compensation which is actually paid to the      Participant as an Eligible Employee, except that it shall also include (i)      Compensation with any Controlled Group Affiliate in the case of a      Participant who is transferred to employment with such an Affiliate on or      after January 1, 1986, and (ii) compensation that corresponds with benefit      credit treated as Benefit Service under Section  5.03(a). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | The      following rules shall apply to conform the Plan to the requirements of      Code section 401(a)(17): |
|-----|---------------------------------------------------------------------------------------------------------------|

|   | (1) | In      addition to other applicable limitations set forth in the Plan, and      notwithstanding any other provision of the Plan to the contrary, for Plan      Years beginning on or after January 1, 1994, the annual compensation of      each Participant taken into account under the Plan shall not exceed the      OBRA ‘93 annual compensation limit.  The OBRA ‘93 annual      compensation limit is $150,000 ($160,000, effective January 1, 1997), as      adjusted by the Commissioner for increases in the cost of living in      accordance with section 401(a)(17)(B) of the Code.  Effective      January 1, 2002, the annual compensation limit is $200,000.  The      cost-of-living adjustment in effect for a calendar year applies to any      period, not exceeding 12 months, over which compensation is determined      (determination period) beginning in such calendar year.  If a      determination period consists of fewer than 12 months, the OBRA ‘93 annual      compensation limit will be multiplied by a fraction, the numerator of      which is the number of months in the determination period, and the      denominator of which is 12. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | For      Plan Years beginning on or after January 1, 1994, any reference in this      Plan to the limitation under section 401(a)(17) of the Code shall mean the      OBRA ‘93 annual compensation limit set forth in this      provision. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | If      compensation for any prior determination period is taken into account in      determining a Participant’s benefits accruing in the current Plan Year,      the compensation for that prior determination period is subject to the      OBRA ‘93 annual compensation limit in effect for that prior determination      period.  For this purpose, for determination periods beginning      before the first day of the first Plan Year beginning on or after January      1, 1994, the OBRA ‘93 annual compensation limit is $150,000 ($160,000,      effective January 1, 1997).  Notwithstanding the preceding,      effective January 1, 2002, the annual compensation limit shall be      $200,000, which shall apply for determination periods beginning before      January 1, 2002. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Notwithstanding      any other provision of the Plan to the contrary (including, without      limitation, any Appendix or Supplement to the Plan), effective January 1,      2008, the term “Final Average Monthly Compensation” means the monthly      average of a Participant’s Compensation from the Company for the highest      five (5) consecutive Plan Years during the last ten (10) Plan Years ending      with or immediately preceding the last day worked prior to the earlier      of: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | January      1, 2008, in the case of a Participant who (A) has made the election      referred to in Section 2.05(a), (B) terminated employment with the Company      prior to January 1, 2008, and is reemployed at any time thereafter, or (C)      is transferred (or re-transferred) to the employment of the Company from      an Affiliate, on or after January 1, 2008;or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | January      1, 2015, in the case of any other Participant who has not retired or      otherwise incurred a Termination of Employment prior to January 1,      2015. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.18 | Highly Compensated      Employee.  The term “Highly Compensated Employee” means,      with respect to any Plan Year, each current or former employee of the      Company or an Affiliate who is a “highly compensated employee”, within the      meaning of Code section 414(q), in that Plan  Year. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.19 | Hour of      Service.  The term “Hour of Service” means an hour taken      into account under Sections 4.01 and4.02. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------|

| 1.20 | NCR      Plan.  The term “NCR Plan” means the Retirement Plan for      Salaried Employees of NCR Corporation, as in effect from time to      time. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.21 | Normal Retirement      Age.  The term “Normal Retirement Age” means the later of      (1) the Participant’s 65th birthday or (2) the fifth anniversary of the      date on which his participation began.  For purposes of the      previous sentence, an employee’s participation is      deemed to begin on the first day of the first Plan Year in which he      commenced his participation in the Plan, except that years which may be      disregarded in accordance with Code section 410(a)(5)(D) will be      disregarded in determining when participation      commenced. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.22 | Normal Retirement      Date.  The term “Normal Retirement Date” means the first      day of the month coincident with or next following a Participant’s Normal      Retirement Age. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.23 | Normal Retirement      Pension.  The term “Normal Retirement Pension” means the      benefit described in Section 5.01(a) of the  Plan. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.24 | Participant. |
|------|--------------|

| (a) | The      word “Participant” means any present or former employee who has become a      Participant in this Plan in accordance with Article 2 and who continues to      have vested or contingent rights to benefits under the    Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | A      non-vested employee (or former employee) who has incurred a Break in      Service or whose benefits have been forfeited pursuant to Section 7.07      shall not be a Participant unless and until he subsequently qualifies as a      Participant pursuant to Section 2.02 or Section 7.07(c), whichever      applies. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.25 | Pension Commencement      Date.  The term “Pension Commencement Date” means the      first day of the first period for which a Participant’s Retirement Pension      is paid as an annuity or any otherform. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.26 | Plan.  The      word “Plan” means the Appleton Papers Inc. Retirement Plan for      Non-Bargaining Unit Employees, as in effect from time to    time. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.27 | Plan      Year.  The term “Plan Year” means the calendar      year. |
|------|-------------------------------------------------------------------------------------------|

| 1.28 | Pre-1988      Retiree.  The term “Pre-1988 Retiree” means an individual      who was not credited with an hour of service after December 31, 1987 that      falls within the definition of Section 4.01(a)(1) or otherwise within the      meaning of “hour of service” as used in section 9204(a)(1) of the Omnibus      Reconciliation Act of 1986. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.29 | Pre-Retirement      Surviving Spouse Annuity.  The term “Pre-Retirement      Surviving Spouse Annuity” shall have the meaning provided under Section      6.03. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.30 | Primary Insurance      Amount. |
|------|--------------------------------|

| (a) | Effective      January 1, 1988, the term “Primary Insurance Amount” means the monthly      amount of Social Security Old Age Benefit for a single person payable at      the later of age 65 and the Participant’s Termination of Employment (or,      in the case of a Pre-1988 Retiree payable at age 65), determined under the      Social Security Act as in effect at the time of the Participant’s      Termination of Employment. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | In      the event of retirement or Termination of Employment before age 65, the      Primary Insurance Amount shall be the amount calculated under the      preceding sentence on the assumption that the Participant would continue      to receive until reaching age 65 compensation which would be treated as      wages under the Social Security Act at the same rate as he received such      compensation at the time of retirement or  termination. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      Participant’s Primary Insurance Amount benefit shall be determined in      accordance with Rev. Rul. 84-45, effective with respect to any employee      who has service under the Plan after December 31,  1983. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.31 | Qualified Domestic      Relations Order.  The term “Qualified Domestic Relations      Order” shall have the meaning provided under Section  7.11. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.32 | Qualified      Election. |
|------|--------------------------|

| (a) | The      term “Qualified Election” means a waiver of a Qualified Joint and      Surviving Spouse Annuity. |
|-----|-----------------------------------------------------------------------------------------------------------------------|

| (b) | Such      waiver must be consented to by the Participant’s Spouse, or if the Spouse      is legally incompetent to give consent, by the Spouse’s legal guardian,      who may be the Participant. If the Participant has a Spouse on his Pension      Commencement Date, the consent to the waiver of a Qualified Joint and      Surviving Spouse Annuity must be made by, or on behalf of, that Spouse.      The waiver and consent must be in writing and filed with the Committee on      a form prescribed by the Committee. The Spouse’s consent must be witnessed      by a notary public and shall beirrevocable. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      this consent requirement, if the Participant establishes to the      satisfaction of the Committee or its delegate that such written consent      need not be obtained because there is no Spouse, because the Spouse cannot      be located, because the Participant is legally separated or has been      abandoned (within the meaning of local law) and the Participant has a      court order to that effect, or because of such other circumstances as the      Secretary of the Treasury may by regulations prescribe, a waiver executed      by the Participant shall itself be a Qualified Election without such      consent, but only during the period the circumstance that made actual      consent unnecessary continues. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Any      consent necessary under this provision will be valid only with respect to      the Spouse who signs the consent, or in the event of a Qualified Election      under subsection (c) above, the designated Spouse. Revocation of a prior      waiver may be made by a Participant in writing without the consent of the      Spouse at any time before the Pension Commencement Date or, in the case of      a waiver of a Qualified Joint and Surviving Spouse Annuity, 30 days after      the Participant’s receipt of the written notification described in Section      7.02(c), if later. The number of revocations and Qualified Elections shall      not be limited. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | An      election to waive a Qualified Joint and Surviving Spouse Annuity, and any      required spousal consent thereto, shall be valid only if it is made no      earlier than 90 days prior to the Participant’s Pension Commencement      Date. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.33 | Qualified      Joint and Surviving Spouse Annuity. |
|------|----------------------------------------------------|

| (a) | The      term “Qualified Joint and Surviving Spouse Annuity” means a reduced      monthly annuity for the life of the Participant and if the Participant      dies after his Pension Commencement Date and he is survived by the Spouse      to whom he was married at his Pension Commencement Date, payments to such      Spouse in a monthly benefit commencing on the first day of the month next      following the month in which the Participant’s death occurs, and ending      with the payment made on the first day of the month in which the Spouse’s      death occurs, equal to one-half (1⁄2) of the reduced monthly annuity that      had been payable to theParticipant. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Qualified Joint and Surviving Spouse Annuity shall be an amount that is      the Actuarial Equivalent of the normal form of Pension described in      Section 7.01, determined by applying the actuarial assumptions included in      Section 1.01 of Appendix A. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.34 | Reemployment      Date.  The term “Reemployment Date” means the day on      which an employee first completes an Hour of Service described in Section      4.01(a)(1) after his first Break inService. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.35 | Retirement      Pension.  The term “Retirement Pension” means a benefit      payable to a Participant under thisPlan. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------|

| 1.36 | Rule of 65      Retiree. |
|------|--------------------------|

| (a) | The      term “Rule of 65 Retiree” means a Participant who terminates employment      with a right to a Vested Retirement Pension under Section 5.05, whose      Pension Commencement Date occurs after December 31, 1984, and whose age      (including proportionate credit for each tenth of a year) at Termination      of Employment plus his years of Benefit Service equal or exceed      65. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      term “Vesting Service” shall be substituted for the term “Benefit Service”      in subsection (a) above for Participants who (1) make an election pursuant      to Section 2.05(a) in lieu of continuing to accrue Benefit Service under      this Plan, or (2) transfer to employment with a Controlled Group Affiliate      on or after April 1, 2008; provided that for any Plan Year no more than      one year of Service (“Benefit” or “Vesting”) shall be      recognized.  Such substitution shall apply from the date the      event described in item (1) or (2)occurs. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.37 | Spouse or Surviving      Spouse. |
|------|----------------------------------|

| (a) | The      terms “Spouse” or “Surviving Spouse” mean the spouse or surviving spouse      of the Participant; provided, however, that a person claiming spousal      benefits under Articles 6 or 7 hereof who is unable to produce a      certificate of marriage issued by an appropriate civil authority shall be      entitled to such benefits only if the Participant with respect to whom a      marriage relationship is claimed notified the plan administrator, in      writing, of such marriage relationship and presented acceptable proof      thereof to the plan administrator prior to the earlier of (1) the      Participant’s pension commencement date, or (2) the Participant’s date of      death; and provided further, that a former spouse will be treated      as the Spouse or Surviving Spouse if the Participant has previously begun      to receive a Qualified Joint and Surviving Spouse Annuity (or an annuity      under Article 7) with respect to such spouse, or to the extent provided      under a Qualified Domestic Relations Order as defined in Code section      414(p). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Notwithstanding      subsection (a) above, if a Participant is legally separated, or if a      Participant has been abandoned (within the meaning of local law) and has a      court order to such effect, no person claiming spousal benefits arising      under such relationship shall be treated as a spouse or surviving spouse      for any purpose under this Plan (except to the extent required under      Section 7.11 hereof). |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.38 | Starting      Date.  The term “Starting Date” shall have the meaning      provided in Section 6.03. |
|------|---------------------------------------------------------------------------------------------------------------------------|

| 1.39 | Supplement.  The      word “Supplement” means any supplemental statement or schedule attached to      and made a part of the Plan. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.40 | Termination of      Employment.  Subject to Section 4.07, references under      this Plan to a Termination of Employment, or to a Participant or employee      who terminates employment, or the like, mean an employee’s ceasing to be      in the active employ of the Company for any reason (including but not      limited to quit, discharge, disability, layoff, retirement or entrance      into military service) other than death or an authorized leave of      absence. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.41 | Trust.  The      word “Trust” means the trust established by the Trust      Agreement. |
|------|--------------------------------------------------------------------------------------------------------------|

| 1.42 | Trust      Agreement.  The term “Trust Agreement” means the trust      agreement which at the time of reference governs the management of the      Trust Fund, as more fully provided in Article  10. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.43 | Trust      Fund.  The term “Trust Fund” means the moneys and other      properties from time to time held by the Trustee pursuant to the      Plan. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.44 | Trustee.  The      word “Trustee” means the trustee or the trustees from time to time in      office pursuant to the TrustAgreement. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.45 | Vested Retirement      Pension.  The term “Vested Retirement Pension” means the      Retirement Pension described in Section 5.05 of the  Plan. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.46 | Vesting      Service.  The term “Vesting Service” means years of      Vesting Service counted in determining a Participant’s entitlement to      nonforfeitable benefits, as described in Section  4.03. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.01 | General      Rule. |
|------|--------------------|

| (a) | Each      Participant in the Plan on December 31, 1996 shall continue to be a      Participant in the Plan on January 1,1997. |
|-----|-------------------------------------------------------------------------------------------------------------------------------|

| (b) | Each      employee not described in subsection (a) above shall become a Participant      on the first day of the month next following the date on which he meets      all of the following requirements (but not before January 1,      1988): |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | he      is then at least age 21; |
|--------|-----|----------------------------------|

|   | (2) | he      has completed a 12-consecutive month period beginning on his Employment      Date, or on any anniversary of his Employment Date, in which he had at      least 1,000 Hours of Service; and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | he      is an Eligible Employee. |
|--------|-----|----------------------------------|

| (c) | Notwithstanding      subsection (b) of this Section 2.01, or any other provision of the Plan to      the contrary, the following rules shall apply effective January 1,      2008: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | no      employee who is hired and first performs an Hour of Service for the      Company on or after January 1, 2008 shall become eligible to participate      in the Plan; and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | no      employee who (A) terminated employment with the Company prior to January      1, 2008, and is reemployed at any time thereafter, or (B) is transferred      (or re-transferred) to the employment of the Company from an Affiliate on      or after January 1, 2008, shall be eligible to participate, or if      applicable recommence participation, in the  Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.02 | Effect of Break in      Service. |
|------|----------------------------------|

| (a) | An      individual who is a Participant shall cease to be a Participant upon his      Termination of Employment unless he has a vested right to benefits under      this Plan. A former employee who has a vested right to benefits under the      Plan shall continue to be a Participant under this Plan until all vested      benefits shall have been distributed in full. If annuity contracts are      distributed to a Participant, the Participant shall have had his benefits      under the Plan distributed in full. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      an employee has a Break in Service, he will have no rights under the Plan      (other than rights in which he was vested before such Break in Service)      unless and until he completes a 12-consecutive month period beginning on a      later Reemployment Date, or on any anniversary of such Reemployment Date,      during which he has at least 1,000 Hours of  Service. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | Upon      completing a 12-consecutive month period as described in subsection (b)      above: |
|-----|-----------------------------------------------------------------------------------------------|

|   | (1) | his      years of Vesting Service and of Benefit Service completed before such      Break in Service (if any) shall be restored to him, except to the extent      lost under Section 4.05; and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | if      he was not a Participant before such Break in Service, he shall become a      Participant as of the first date following the end of such Break in      Service on which he has met the requirements of Section 2.01(b), applied      by treating his Reemployment Date as an Employment  Date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.03 | Participation      Automatic.  Each Eligible Employee who has met the      requirements of this Article 2 shall become a Participant without further      action on his part. No such employee will be permitted to refuse      participation in the Plan. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.04 | Nonparticipating      Divisions etc.  The Company may, in its discretion,      determine that individuals employed in or by one or more specified      divisions, plants, locations or other identifiable employee groups will      not be eligible to participate in the Plan. In making any such      determination, the Company shall not discriminate in favor of officers,      shareholders or highly compensated employees so as to prevent the Plan      from qualifying under Code section401(a). |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 2.05 | Special Election - -      Plan Participants employed by the Company on January 1,      2008. |
|------|----------------------------------------------------------------------------------------------|

| (a) | Each      Eligible Employee who is employed by the Company on January 1, 2008, and      (i) is a Participant in the Plan as of January 1, 2008, or (ii) may become      a Participant in the Plan on or prior to January 1, 2009, in accordance      with the rules of Section 2.01(b), shall be eligible to make an      affirmative, irrevocable election to freeze the accrual of benefits under      the Plan as of April 1, 2008 (or, if first eligible to participate after      April 1, 2008 to waive participation in the Plan), on the condition that      the Participant makes a concurrent election to participate in the      “Mandatory Profit Sharing Contribution” feature of the Appleton Papers      Inc. Retirement Savings and Employee Stock Ownership Plan (as such term is      defined as of April 1, 2008). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      election described in subsection (a) shall be made in the form and manner      prescribed by the Committee.  Such election shall be binding and      enforceable as of April 1, 2008, and may not thereafter be rescinded or      otherwise terminated, regardless of any subsequent revisions to the      Appleton Papers Inc. Retirement Savings and Employee Stock Ownership Plan      (including without limitation the Mandatory Profit Sharing Contribution      feature). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      effect of such election shall be to treat the electing Participant in the      same manner as a Participant who is in the employ of the Company other      than as an Eligible Employee as of April 1, 2008, as described in Section      4.07 pertaining to Hours of Service credited during such period of      employment. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | ARTICLE      3. |
|--------|-----------------|

|   | Contributions |
|--------|---------------|

| 3.01 | Amount.  Subject      to Article 12 (Termination of the Plan), the Company will contribute to      the Trust Fund for each Plan Year such sums as the Benefit Finance      Committee, in its sole discretion, determines to be appropriate under the      funding policy and method adopted by it for the Plan. All such      contributions will be made within the time required by  law. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 3.02 | Nonreversion      Clause. |
|------|---------------------------|

| (a) | It      shall be impossible at any time prior to the satisfaction of all      liabilities with respect to Participants and their Spouses and      Beneficiaries under the Plan, for any assets of the Plan to be (within the      taxable year or thereafter) used for or diverted to purposes other than      for the exclusive benefit of the Participants and their Spouses and      Beneficiaries (including the payment of the expenses of the administration      of the Plan); provided however,that: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | a      contribution that is made by the Company by a mistake of fact may, to the      extent it was made by a mistake of fact, be returned to the Company upon      its request within one year after the payment of the contribution;      and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | all      contributions are conditioned upon their deductibility under Code Section      404, and to the extent that any contribution is not deductible, such      contribution shall be returned to the Company upon its request within one      year after the disallowance of suchdeduction. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| 4.01 | Hour of      Service. |
|------|-----------------------|

| (a) | “Hour      of Service” shall mean each of the following, counted without      duplication: |
|-----|--------------------------------------------------------------------------------------------------------|

|   | (1) | Paid Working      Time:  Each hour for which an employee is paid or      entitled to payment for duties performed for the Company. Such hours will      be credited to the period in which duties were performed, and hours of pay      at premium rates will count only as straight-time  hours. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Paid      Absence:  Each hour for which an employee is paid, or      entitled to payment, by the 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 or pregnancy), layoff, jury duty, military duty or      leave of absence, other than payments which only comply with applicable      workers compensation, unemployment compensation or disability insurance      laws or reimburse an Employee for medically related      expenses.  Payments received under a severance pay plan or      program (whether |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | paid      in a single sum or over a fixed period of time) after Termination of      Employment are not included in determining hours to be credited under this      Paragraph (2).  No more than 501 Hours of Service will be      credited under this Paragraph (2) for any single continuous period      (whether or not such period occurs in a single computation      period). |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Military      Service:  Each hour that would be a regularly scheduled      working hour (or vacation or holiday) but for the employee’s absence      in: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | military      service, if the employee is reemployed by the Company within 90 days after      his discharge while he has reemployment rights under Federal law (or      within such longer period during which he has such reemployment rights);      or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | military      summer camp for a period not to exceed 2weeks. |
|--------|-----|--------------------------------------------------------------|

|   | (4) | Sickness or      Disability:  Each regularly scheduled working hour during      a period not to exceed one year in which the employee is absent from      employment with the Company on account of sickness or disability (whether      paid or not), reduced by any such hours which are credited as Hours of      Service under (2) above. Periods of Disability, as defined in Section      1.12, shall not be taken into account under this paragraph (4), but shall      be taken into account to the extent provided in paragraph (7)      below. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Authorized Leave of      Absence:  Each regularly scheduled working hour during a      period in which the employee is absent from employment with the Company on      an authorized leave of absence (whether paid or not), reduced by any such      hours which are credited as Hours of Service under paragraph (2)      above. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | Layoff:  Each      regularly scheduled working hour during a period not to exceed one year in      which the employee is absent from employment with the Company as a result      of layoff (whether paid or unpaid), reduced by any such hours which are      credited as Hours of Service under paragraph (2) above. Hours of Service      credited under this paragraph (6) with respect to any period of layoff      shall be disregarded if the employee fails to return to the employ of the      Company within two weeks of the date of any recall from such      layoff. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | Long-Term      Disability:  To the extent not disregarded in accordance      with Section 5.04(d), each regularly scheduled working hour during a      period of Disability, as defined in Section 1.12, reduced by any such      hours which are credited as Hours of Service under either paragraphs (2)      or (4) above. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (8) | FMLA      Leave.  Hours of Service shall be determined under the      terms of the Family and Medical Leave Act of 1993, as amended from time to      time, and any regulationsthereunder. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (9) | Back Pay      Awards:  Each hour for which back pay, irrespective of      mitigation of damages, is either awarded or agreed to by the Company;      provided that no more |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | than      501 Hours of Service shall be credited on account of any back pay award or      agreement with respect to a period in which no duties are or would have      been performed for the Company. Such hours will be credited to the period      or periods to which the back pay award or agreement pertains (rather than      to the period in which the award, agreement or payment is      made). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Hours      of Service described in paragraphs (a)(2) through (8) above will be      credited to the period or periods in which occur the regularly scheduled      hours with respect to which such Hours of Service are determined,      beginning with the first suchhours. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.02 | Determinations by      Committee. |
|------|-----------------------------------|

| (a) | The      Committee has the power and final authority (and sole discretion with      respect to such power and authority) to determine the Hours of Service of      any individual for all purposes of the Plan, and to that end may adopt      such rules, presumptions and procedures permitted by law as it deems      appropriate or desirable. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Without      limiting the generality of the foregoing, the Committee may provide that      the hours of regularly scheduled working time to be credited under Section      4.01(a)(2) and (3) to an employee without a regular work schedule will be      determined on the basis of a 40-hour work week or an 8-hour work day or on      any other reasonable basis which reflects the average hours worked by the      employee or by other employees in the same job classification over a      representative period of time, provided that the basis so used is      consistently applied with respect to all employees within the same job      classification, reasonably defined. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.03 | Vesting      Service. |
|------|-----------------------|

| (a) | Subject      to the further provisions of this Article 4, a Participant shall receive      Vesting Service as follows: |
|-----|------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Prior to January 1,      1976:  For the period prior to January 1, 1976, he is      credited with the number of full years and fractions of a year in      completed months of his “Continuous Service”, as defined in the Plan      immediately prior to January 1, 1976. For this purpose completed months in      excess of the number of such full years will be converted to tenths of      years by crediting 1/12 of a year for each such month and then rounding up      to the nearest tenth of a year. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | On and After January      1, 1976:  He will be credited with 1 year of Vesting      Service for each Plan Year beginning on or after January 1, 1976 in which      he has at least 1,000 Hours of Service (whether before or after the date      he became a Participant). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Former NCR      Participants:  A person who was a Participant in the NCR      Plan on June 30, 1978 and who becomes a Participant under this Plan as of      July 1, 1978 shall be credited with Vesting Service as of July 1, 1978 at      least equal to his “Years of Service” through June 30, 1978 as credited      for vesting purposes under the NCR Plan as in effect on such      date. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Notwithstanding      the foregoing, a Participant’s Vesting Service shall not include any      period of Vesting Service which was or would be lost as of December 31,      1984 under the provisions of Section 4.05 of the Plan as then in      effect. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Participant who has ten years of continuous service with the Company      commencing prior to January 1, 1976 shall be credited with ten years of      Vesting Service under the Plan, whether or not he is otherwise entitled to      ten years of Vesting Service. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | For      purposes of subsection (e) below, the following definitions shall      apply: |
|-----|----------------------------------------------------------------------------------------|

|   | (1) | Full-Time      Employee:  The term “Full-Time Employee” means an      employee who, at the time of reference, (A) is employed by the Company in      Full-Time Employment or (B) is employed by an Affiliate (i) in employment      covered by a retirement plan that determines his vesting service under the      elapsed time method or (ii) in Full-Time Employment other than employment      covered under a retirement plan that determines his vesting service on the      basis of computation periods. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Full-Time      Employment:  The term “Full-Time Employment” means      employment that is customarily for not less than 1,000 hours per year,      including vacations and holidays and periods of authorized absence not in      excess of 24 consecutive months. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Part-Time      Employee:  The term “Part-Time Employee” means an      employee of the Company or an Affiliate who is not employed in Full-Time      Employment at the time ofreference. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Service:  The      term “Service” means the aggregate of (A) each period from an employee’s      Employment Date (or the day on which an employee first completes an Hour      of Service described in Section 4.01(a)(1) after a Severance Date) to his      next Severance Date and (B) if an employee shall perform an Hour of      Service within twelve (12) months after a Severance Date (or, if such      Severance Date occurs during a period of continued absence, within twelve      (12) months after the first day of such absence), the period from such      Severance Date (or from the first day of absence) to such Hour of      Service. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Severance      Date:  The term “Severance Date” means the earliest      of: |
|--------|-----|---------------------------------------------------------------------------------------------------|

|   | (A) | The      date on which an employee quits, retires, is discharged or dies;      or |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (B) | The      first anniversary of the first date of a period in which an employee      remains absent from service (with or without pay) with the Company or an      Affiliate for any reason (such as vacation, holiday, sickness, disability,      leave of absence or layoff) other than (i) quitting, retirement, discharge      or death, (ii) approved absence, or (iii) service with the armed forces of      the United States; or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (C) | In      the case of an employee who leaves employment with the Company or an      Affiliate to enter into service with the armed forces of the United      States, the last day of such employment prior to entering such service,      unless (i) the Participant has reemployment rights under applicable law      throughout the entire period of such service, (ii) upon discharge from      such service he retains such reemployment rights (determined after taking      into account the terms of such discharge), and (iii) he returns to the      employ of the Company or an Affiliate within 90 days after the date of his      completion of such service (or within such longer period during which his      reemployment rights are protected bylaw). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Subject      to the further provisions of this Article 4, if a Participant is a      Full-Time Employee at any time on or after December 31, 1988, his Vesting      Service as used in Sections 4.05 and 5.05 shall be, for purposes of      vesting under Section 5.05, the sum of his Vesting Service for periods      prior to January 1, 1988 (and for service as a Part-Time Employee on and      after January 1, 1988) as determined under subsection (a) above, and the      number of years determined by aggregating all periods of Service on and      after January 1, 1988 attributable to service as a Full-Time Employee,      exclusive of periods that may be disregarded under Section 4.05 (and      subsection (a) above shall not apply). For purposes of aggregating periods      of service, (i) less than whole-year periods shall be aggregated on the      basis that twelve (12) months or three hundred and sixty-five (365) days      equal a whole year, and (ii) in aggregating days into months, thirty (30)      days shall be deemed to be a month. Notwithstanding the foregoing      provisions of this subsection (e), a Full-Time Employee who has at least      1,000 Hours of Service in the Plan Year beginning January 1, 1988 will be      credited with a year of Vesting Service, in total, for that Plan      Year. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Notwithstanding      the foregoing, a Participant’s Vesting Service shall not include any      period of Vesting Service which was or would be lost as of December 31,      1988 under the provisions of Section 4.05 of the Plan as in effect on      December 30, 1988. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g) | In      the event the employee changes from a Part-Time Employee to a Full-Time      Employee or from a Full-Time Employee to a Part-Time Employee, the above      provisions of this Section 4.03, and the provisions of Section 4.05, shall      apply in accordance with Section4.08. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.04 | Benefit      Service. |
|------|-----------------------|

| (a) | Subject      to the further provisions of this Article 4, a Participant shall receive      Benefit Service as follows: |
|-----|------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Prior to January 1,      1976:  Benefit Service prior to January 1, 1976 will be      the number of full years and fractions of a year in completed months of      “Continuous Service,” as defined in the Plan immediately prior to January      1, 1976, except that years for which a Participant was eligible to      participate in the former Combined Locks Profit Sharing Plan but for which      he elected not to participate shall not be counted. For purposes of this      Paragraph (1), completed months in excess of the number      of such full years will be converted to tenths of years by crediting 1/12      of a year for each such month and rounding up to the nearest tenth of a      year. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | On and After January      1, 1976:  For Plan Years beginning on or after January 1,      1976, Benefit Service will be granted to each Participant on the basis of      his total Hours of Service during such year and prior to his Normal      Retirement Date which are attributable to employment as an Eligible      Employee (“Eligible Hours”). For this purpose, Hours of Service credited      for periods of absence from employment which immediately follow employment      as an Eligible Employee shall be deemed to be attributable to employment      as an Eligible Employee. If the Participant’s regularly scheduled work      week throughout such Plan Year is at least 40 hours, he will be credited      with one year of Benefit Service for each such Plan Year during which he      completes at least 2,000 Eligible Hours. If the Participant’s regularly      scheduled work week is not at least 40 hours throughout such year, he will      be credited with one year of Benefit Service for each such Plan Year      during which he completes the number of Eligible Hours determined in      accordance with the followingformula: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Pre-1976      Service.  An employee who is a Participant in the Plan as      of January 1, 2002, and who thereafter retires or terminates employment      with the Company with a vested accrued benefit (determined without regard      to periods of employment prior to January 1, 1976), shall be granted      Benefit Service for periods of employment prior to 1976, but only to the      extent not already included in the Participant’s accrued      benefit.  Such periods of employment shall be reorganized as      Benefit Service pursuant to the rules of Section 4.04 (a)(1) hereof,      except that such service need not be “Continuous” in order to qualify as      such. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | A      Person who was a “Participant” in the NCR Plan on or before June 30, 1978      and who transferred directly to service as a Participant under this Plan      on or before July 1, 1978 shall be credited with Benefit Service for the      period up to the date of transfer at least equal to the years of “Benefit      Service” standing to his credit under the NCR Plan as of such      date. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the foregoing, no Benefit Service shall be credited to a Pre-1988 Retiree      with respect to any period after his Normal Retirement    Date. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (d) | Notwithstanding      the foregoing, a Participant’s Benefit Service shall not include any      period of Benefit Service which was or would be lost as of December 31,      1984 under the provisions of Section 4.05 of the Plan as then in      effect. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Notwithstanding      any other provision of the Plan to the contrary (including, without      limitation, any Appendix or Supplement to the Plan), Benefit Service shall      not include any Hours of Service performed  after: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | April      1, 2008, in the case of a Participant who has made the election referred      to in Section 2.05(a); or |
|--------|-----|--------------------------------------------------------------------------------------------------------------------|

|   | (2) | January      1, 2015, in the case of any otherParticipant. |
|--------|-----|------------------------------------------------------------|

| 4.05 | Service Prior to a      Break in Service. |
|------|-------------------------------------------|

| (a) | Except      as provided in subsection (b), if an employee with no vested rights under      the Plan incurs five (5) consecutive Breaks in Service, and if the number      of consecutive Plan Years constituting Breaks in Service equals or exceeds      the employee’s aggregate number of years of Vesting Service as of the      first such Break in Service, all of his Benefit Service and Vesting      Service prior to such first Break in Service will be forever lost and      forfeited, notwithstanding any other provisions of this    Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      an employee with no vested rights under the Plan incurs a Severance Date      on or after December 31, 1988 while a Full-Time Employee, the rules of      this subsection (b) will govern, in lieu of the rules of subsection (a).      If such an employee incurs an Elapsed Time Break in Service and the length      of the Elapsed Time Break in Service equals or exceeds the greater of (1)      five years or (2) the employee’s aggregate number of years of Vesting      Service (determined after giving effect to Section 4.03(e)) as of the      Elapsed Time Break in Service, all of his Benefit Service and Vesting      Service prior to the Break in Service will be forever lost and forfeited,      notwithstanding any other provision of this  Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      term “Elapsed Time Break in Service” means a Severance Period of not less      than 12 consecutive months. In the case of an individual who is absent      from work for maternity or paternity reasons (as defined in Section 1.07),      no portion of the first 12-consecutive month period of such absence shall      count in determining the length of an Elapsed Time Break in Service. The      term “Severance Period” means each period from an employee’s Severance      Date to the next day on which the employee completes an Hour of Service      described in Section 4.01(a)(1), excluding any period prior to January 1,      1989 in a Plan Year in which the employee had more than 500 Hours of      Service. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      aggregate number of years of Vesting Service otherwise determined in      accordance with the above provisions of this Section 4.05 shall not      include any years of Vesting Service previously disregarded under the      Break in Service rules of this Section 4.05 (or under Section 4.05 of the      Plan as previously in effect). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.06 | Minimum Service      Requirement Upon Reemployment.  If an employee has a      Break in Service, all of his years of Vesting Service and of Benefit      Service will be lost and disregarded for all purposes of the Plan until he      shall comply with the provisions of Section      2.02. However, nothing in this Section 4.06 will deprive the employee of      any benefits in which he was vested at the time he incurred such Break in      Service. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 4.07 | Service with      Affiliates, etc. |
|------|------------------------------------|

| (a) | If      an employee is transferred to employment with an Affiliate, or to      employment with the Company other than as an Eligible Employee, he will      not be deemed to have terminated employment for purposes of this Plan      until such time as he is employed neither by the Company nor by an      Affiliate. However, an individual who is employed by an Affiliate other      than a Controlled Group Affiliate shall not be treated as continuing in      employment by reason thereof at any time after he has become vested in a      Retirement Pension hereunder. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Upon      retirement or other Termination of Employment or death while in the employ      of an Affiliate or in the employ of the Company other than as an Eligible      Employee, a Participant’s benefit under this Plan (if any) shall be      determined as if he had then retired, terminated employment or died for      purposes of this Plan, based on his Final Average Monthly Compensation as      of first to occur of (1) his date of retirement, (2) Termination of      Employment, (3) death, (4) for a Participant who made the election under      Section 2.05(a), January 1, 2008 or (5) January 1, 2015 for all other      Participants, and his Benefit Service and the benefit formula in effect      under Article V as of the date of transfer to the Affiliate or to      employment other than as an EligibleEmployee. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Hours      of Service, as defined in Section 4.01(a)(1) and (2), and Vesting Service      will be credited for employment with an Affiliate as if the Affiliate were      the Company, and for employment with the Company other than as an Eligible      Employee as if such employment were covered under this Plan. However, no      Benefit Service, or Hours of Service, as defined in Section 4.01(a)(3),      shall be credited for such employment, except as expressly provided in      Section 5.03. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | In      determining whether a Participant has sufficient years of Vesting Service      to be eligible for an Early Retirement Pension under Section 5.02 or a      Vested Retirement Pension under Section 5.05, no credit shall be given for      service with any Affiliate prior to the date it first became an      Affiliate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.08 | Transfers Between      Hours of Service and Elapsed Time  Computations. |
|------|-------------------------------------------------------------------------|

| (a) | If      an employee transfers to service accounted for under this Plan on the      basis of computation periods from service accounted for under this Plan,      or under another qualified plan of the Company or an Affiliate, on a      different basis (i.e., on the elapsed time method), the Eligible Employee      shall receive credit for purposes of eligibility to participate and, in      the case of a Part-Time Employee) vesting, as of the date of transfer, for      the number of one (l) year periods of service credited to him under such      elapsed time method as of the date of transfer, and, in the computation      period that includes the date of transfer, for the number of Hours of      Service determined by crediting 190 Hours of Service for each month or      part thereof included in any fractional part of a year credited to him      as of the date of transfer. In applying this Section 4.08, the twelve (12)      month period described in Section 2.01(b)(2) shall be treated as an      eligibility computationperiod. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | If      an employee transfers to service accounted for under this Plan under the      elapsed time method from service accounted for under this Plan (or under      another qualified plan of the Company or an Affiliate) on the basis of      computation periods, the employee’s Vesting Service for the period during      which vesting (under this Plan or such other plan) was determined on the      basis of computation periods and through the close of the computation      period in which such transfer occurs, shall be (i) the number of years of      vesting service credited to him as of the start of such computation period      under the computation period based plan rules theretofore applicable and      (ii) for the computation period in which such transfer occurs, the greater      of (A) his vesting service as of the date of transfer determined under      such rules or (B) his Vesting Service for the entire such computation      period determined under the elapsed time rules of this    Plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 4.09 | Compliance with the      Uniformed Services Employment and Reemployment Rights Act of      1994.  Notwithstanding any provision of this Plan to the      contrary, contributions, benefits, and service credits with respect to      qualified military service will be provided in accordance with Section      414(u) of the Code. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.01 | Retirement At or After      Normal Retirement Age. |
|------|----------------------------------------------------|

| (a) | If      a Participant with a nonforfeitable right to a Retirement Pension      terminates employment at or after attaining Normal Retirement Age and on      or after January 1, 1989, he will be entitled to a Normal Retirement      Pension in a monthly amount equal to the sumof: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | 1%      of his Final Average Monthly Compensation not in excess of 1/12 of his      Covered Compensation, times his years of Benefit Service up to 35 such      years, and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | 1.4%      of his Final Average Monthly Compensation in excess of 1/12 of his Covered      Compensation, times his years of Benefit Service up to 35 such      years, |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Participant with a nonforfeitable right to a Retirement Pension      terminates employment before January 1, 1989 at or after attaining Normal      Retirement Age, he will be entitled to a Normal Retirement Pension in a      monthly amount equal to the excessof: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | 1.5%      of his Final Average Monthly Compensation, times his years of Benefit      Service, over |
|--------|-----|----------------------------------------------------------------------------------------------------|

----

|   | (2) | 1.5%      of his Primary Insurance Amount, times his years of Benefit Service (up to      a maximum of 50%), |
|--------|-----|--------------------------------------------------------------------------------------------------------------|

| Date      upon which employment terminates (or, in the case of a Pre-1988 Retiree,      Normal Benefit Retirement Date is attained if earlier) |   |
|------------------------------------------------------------------------------------------------------------------------------------------------|--------|
|                                                                                                                                           |
|                                                                                                                                           |
|                                                                                                                                           |   |   | Minimum |
| On      or After                                                                                                                               |   | Prior      to | Formula |
|                                                                                                                                           |   |   |   |
| ---                                                                                                                                            |   | Jan.      1, 1980 | 10 |
| Jan.      1, 1980                                                                                                                              |   | Jan.      1, 1982 | 12 |
| Jan.      1, 1982                                                                                                                              |   | Jan.      1, 1983 | 13.5 |
| Jan.      1, 1983                                                                                                                              |   | Jan.      1, 1984 | 15 |
| Jan.      1, 1984                                                                                                                              |   | Jan.      1, 1989 | 16 |
| Jan.      1, 1989                                                                                                                              |   | Jan.      1, 1995 | 17 |
| Jan.      1, 1995                                                                                                                              |   | Jan.      1, 1999 | 22 |
| Jan.      1, 1999                                                                                                                              |   |       - | 27 |

| Date      upon which employment terminates |
|--------------------------------------------|
|                                       |   | Minimum      Benefit |
| On      or After                           | Prior      to | Formula |
|                                       |   |   |
| July      1, 2001                          |  - | 36.50 |

| (c) | Notwithstanding      the foregoing: |
|-----|-------------------------------------|

|   | (1) | the      portion of a Participant’s Normal Retirement Pension attributable to      Benefit Service prior to January 1, 1976 shall not be less than the sum of      the Participant’s “Future Service Retirement Income Credit” and “Past      Service Retirement Income Credit” as determined under the Plan as in      effect immediately prior to January 1,1976; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | a      Participant’s Normal Retirement Pension shall not be less than the largest      Early Retirement Pension that would have been payable under Section      5.02(b)(2) or Section      5.05(c) had his Termination of Employment occurred on any date on which he      would have been entitled to an Early Retirement Pension thereunder (but      based on his Primary Insurance Amount in effect at the later of his date      of actual termination and Normal Retirement Date, or in the case of a      Pre-1988 Retiree, at his Normal Retirement Date);    and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (3) | a      Participant’s Normal Retirement Pension shall not be less than a monthly      amount equal to the amount to which he would be entitled under the      provisions of subsection (b) above determined as if the Participant had      terminated employment on December 31,1988. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Payment      of a Participant’s Normal Retirement Pension shall start on the first day      of the month coincident with or next following the later of his Normal      Retirement Date or his Termination of  Employment. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Notwithstanding      Section 5.01(a), in the case of a Participant who continues in employment      after age 70-1/2, the cumulative increases in his Retirement Pension after      Normal Retirement Age (if any) shall be reduced by the Actuarial      Equivalent of the cumulative amount of distributions made to the      Participant pursuant to Section 7.08(a)(2), provided that in no event      shall such a Participant’s Retirement Pension for any Plan Year thereby be      reduced below the amount of his Retirement Pension at the end of the      preceding Plan Year as determined in accordance with this Section 5.01      (taking into account both additional accruals and distributions made      through the end of such prior PlanYear). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | A      Participant’s Normal Retirement Pension shall be nonforfeitable upon      attainment of such Participant’s Normal Retirement Age, if such      Participant is employed by the Company or an Affiliate on such      date. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g) | Unless      otherwise provided under the Plan, each section 401(a)(17) Participant’s      accrued benefit under this Plan will be the greater of the accrued benefit      determined for the Participant under (1) or (2)  below: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      Participant’s accrued benefit determined with respect to the benefit      formula applicable for the Plan Year beginning on or after January 1,      1994, as applied to the Participant’s total years of service taken into      account under the Plan for the purposes of benefit accruals,      or |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | the      sum of: |
|--------|-----|------------------|

|   | (A) | the      Participant’s accrued benefit as of the  last day of the last      Plan Year beginning before January 1, 1994, frozen in accordance with      section 1.401(a)(4)-13 of the regulations,and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | the      Participant’s accrued benefit determined under the benefit formula      applicable for the Plan Year beginning on or after January 1, 1994, as      applied to the Participant’s years of service credited to the Participant      for Plan Years beginning on or after January 1, 1994, for purposes of      benefit accruals. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.02 | Early Retirement      Pension. |
|------|--------------------------------|

| (a) | If      a Participant’s employment terminates on or after the date he has both      reached age 55 and completed at least 10 years of Vesting Service      exclusive of Vesting Service credited for period of employment with an      Affiliate other than a Controlled Group Affiliate (and before attaining      Normal Retirement Age), he shall be eligible to receive an Early      Retirement Pension. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      Early Retirement Pension will be whichever benefit described in Paragraphs      (l) or (2) below as the Participant elects, at such time and in such      manner as the Committee prescribes: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Payment at Normal      Retirement Date:  A Retirement Pension starting on his      Normal Retirement Date in a monthly amount calculated under the formula      set forth in Section 5.01 on the following  basis: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | In      the case of an amount calculated under Section 5.01(a), such Section shall      be applied based on Final Average Monthly Compensation and years of      Benefit Service (up to 35 such years) at the date of his Termination of      Employment; and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | In      the case of an amount calculated under Section 5.01(b) (including an      amount calculated under Section5.01(c)(3)): |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------|

|   | (i) | Sections      5.01(b)(1) and (2) shall be applied based on the Participant’s Final      Average Monthly Compensation and Benefit Service at the date of his      Termination of Employment (or deemed Termination of Employment);      and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (ii) | The      Social Security offset referred to in Section 5.01(b)(2) shall be      calculated based on the Participant’s Primary Insurance    Amount |
|--------|------|---------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | determined      under Section 1.30(b) and by using Benefit Service as if he had continued      in Benefit Service from his date of Termination of Employment (or deemed      Termination of Employment) to his Normal Retirement Date; the amount so      determined shall then be multiplied by a fraction, the numerator of which      is the Participant’s Benefit Service at his Termination of Employment (or      deemed Termination of Employment) and the denominator is the Benefit      Service the Participant would have accumulated if he had continued in      Benefit Service until his Normal Retirement  Date. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Payment Before Normal      Retirement Date:  A Retirement Pension starting on the      first day of any month coincident with or following the date his      employment terminates and before his Normal Retirement Date, in a monthly      amount determined under paragraph (l) above, reduced in accordance with      Table A      in the case of a Participant whose Termination of Employment occurred on      or after January 1, 1989 or with Table B in the      case of a Participant whose Termination of Employment occurred before      January 1, 1989. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      at Pension    | Percentage      of Pension Payable   |
|------------------------|--------------------------------------|
| Commencement      Date | Prior      to Normal Retirement Date |
|                   |                                 |
| 64                     | 100%                                 |
| 63                     | 100%                                 |
| 62                     | 100%                                 |
| 61                     | 97%                                  |
| 60                     | 94%                                  |
| 59                     | 91%                                  |
| 58                     | 88%                                  |
| 57                     | 85%                                  |
| 56                     | 82%                                  |
| 55                     | 79%                                  |

| Age      at Pension | Percentage      of Pension Payable |
|---------------------|------------------------------------|
| Commencement Date   | Prior to Normal Retirement    Date |
| 64                  | 100%                               |
| 63                  | 100%                               |
| 62                  | 100%                               |
| 61                  | 93.30%                             |
| 60                  | 86.70%                             |
| 59                  | 80.80%                             |
| 58                  | 75.20%                             |
| 57                  | 69.40%                             |
| 56                  | 63.50%                             |
| 55                  | 57.90%                             |

| 5.03 | Service Under Other      Plans. |
|------|---------------------------------|

| (a) | Except      as provided in subsection (b) below, if a Participant’s employment with      the Company terminates while he is an Eligible Employee, his Retirement      Pension (if any) under this Plan will be determined by treating as Benefit      Service under this Plan any service with the Company for which he receives      benefit credit under any other retirement plan maintained by the Company;      provided, that the amount of additional Retirement Pension attributable to      such Benefit Service will be reduced to the extent required by Section      5.07. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Participant transfers to the employment of the Company directly from      service with a non-US Affiliate of the Company, such Participant shall be      treated as an Eligible Employee as of the effective date of transfer      (provided, that any individual who is on secondment or other developmental      assignment to the Company shall not be treated as an Eligible Employee      until the first day after such assignment ends and such individual is no      longer eligible to accrue benefits under the pension plan of the non-US      Affiliate, as determined      by the Company), and his Retirement Pension (if any) under this Plan will      be determined as follows: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|  |   |  (1) | If      such Participant terminates employment with the Company (or, upon a      subsequent retransfer to a non-US Affiliate, with such non-US Affiliate)      prior to becoming eligible for a Retirement Pension under Section 5.01,      5.02 or 5.04 hereof, by treating as Benefit Service and Vesting Service      only that service credited for the period of service with the Company as      an Eligible Employee; such Participant shall be entitled to a Vested      Retirement Pension (if any) only as provided in Section 5.05      hereof. |
|--|--------|-----------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | If      such Participant retires, becomes disabled or dies while employed by the      Company, by treating as Benefit Service and Vesting Service any service      with such non-US Affiliate for which he receives benefit credit under any      retirement plan maintained by such non-US Affiliate; provided, that the      amount of additional Retirement Pension attributable to such Benefit      Service will be reduced to the extent required by Section      5.07.  Such Participant shall be entitled to a Retirement      Pension (as applicable) as provided in Section 5.01, 5.02 or 5.04 hereof,      as applicable. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | If      such Participant is retransferred to a non-US Affiliate after becoming a      Participant under this Plan, and such Participant retires, becomes      disabled or dies while employed by such non-US Affiliate, by treating as      Benefit Service and Vesting Service only that service credited for the      period of service with the Company as an Eligible Employee, and by      applying the terms of Section 4.07 hereof; such Participant shall be      entitled to a Retirement Pension hereunder as provided in Section 5.01,      5.02 or 5.04 hereof, as applicable. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | This      Section 5.03 shall not apply to the Appleton Papers Retirement Savings and      Employee Stock Ownership Plan or the Appleton Papers Retirement Medical      Savings Plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.04 | Disability Retirement      Pension. |
|------|-------------------------------------|

| (a) | If,      as a result of a Disability incurred while employed as an Eligible      Employee, a Participant becomes entitled to benefits under a long-term      disability plan maintained by the Company, and such benefits start on or      after June 1, 1979, the Participant will be eligible to receive a      Disability Retirement Pension, subject to the further provisions of this      Section 5.04. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      Disability Retirement Pension will start on the Participant’s Disability      Pension Starting Date (as defined below) in a monthly amount equal to the      Normal Retirement Pension determined under Section 5.01, based      on: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      Benefit Formula applicable to terminations of employment occurring on the      date the Participant’s long-term disability benefits  start, |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (2) | his      Final Average Monthly Compensation, determined as of the last day of the      period for which Compensation is imputed as a result of such Disability as      provided in Section 1.17(c), and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | his      Benefit Service as of his Disability Pension Starting Date (after taking      into account the Benefit Service credited under subsection (c) of this      Section for the period of his Disability); provided, however, that if the      Minimum Benefit Formula under 5.01(a) was used to calculate a Disability      Retirement Pension that commenced prior to January 1, 1984, such pension      shall be adjusted, effective January 1, 1984, by recalculating it based on      the Minimum Benefit Formula in effect on that  date. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      a Participant: |
|-----|------------------------|

|   | (1) | recovers      from his Disability prior to his Disability Pension Starting Date and      returns to the employ of the Company or an Affiliate within ninety (90)      days after the end of such Disability and prior to working full-time for      any other person (disregarding any employment which is primarily for the      purpose of rehabilitation), or |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | does      not recover from his Disability prior to attainment of his Disability      Pension Starting Date, |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

| (d) | If      a Participant recovers from his Disability prior to his Disability Pension      Starting Date and does not return to the employ of the Company or an      Affiliate within the aforesaid 90-day period, or if he refuses to submit      proof of continued Disability as required under subsection (e) below, he      shall be deemed to have terminated his employment with the Company as of      the date of commencement of his Disability, no Vesting Service or Benefit      Service or Hours of Service shall be credited for any period after the      commencement of his Disability, and his right, if any, to benefits under      the Plan shall be determined on thatbasis. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | As      a condition of entitlement to a Disability Retirement Pension, the      Committee may require such proof of the Participant’s continued Disability      as it deems necessary at the time, and from time to time prior to the      Participant’s Disability Pension Starting Date, including having the      Participant examined, at the Company’s expense, by a duly licensed      physician selected by theCommittee. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (f) | For      purposes of this Plan, “Disability Pension Starting Date” means Normal      Retirement Date in the case of a Participant whose long-term disability      benefits begin prior to such date; provided that a Participant who is      entitled to long-term disability benefits after his Normal Retirement Date      (whether beginning before or after such date) may elect to      treat |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | the      first day of the month on or after the date his long-term disability      benefits end as his Disability Pension Starting  Date. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------|

| 5.05 | Vested Retirement      Pension. |
|------|---------------------------------|

| (a) | Upon      the Termination of Employment of a Participant who is not eligible for a      Retirement Pension under the preceding provisions of this Article V and      who has completed at least 5 years of Vesting Service, he shall be      eligible to receive a Vested RetirementPension. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      Vested Retirement Pension will start as of the Participant’s Normal      Retirement Date in a monthly amount determined in accordance with Section      5.02(b)(1) as in effect on the date of Termination of Employment, or, if      the Participant so elects (at such time and in such manner as the      Committee shall prescribe), as of the first day of any prior month      coinciding with or following his 55th birthday in a monthly amount      determined as under Section 5.02(b)(1), reduced as  follows: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      in Years andCompleted      MonthsWhen Pension Commences | Percentage      of PensionCommencing      atNormal Retirement Date |
|------------------------------------------------------------------|--------------------------------------------------------------------|
| 65      and no months                                            | 100%                                                               |
| 64      and no months                                            | 89%                                                                |
| 63      and no months                                            | 79%                                                                |
| 62      and no months                                            | 71%                                                                |
| 61      and no months                                            | 64%                                                                |
| 60      and no months                                            | 58%                                                                |
| 59      and no months                                            | 52%                                                                |
| 58      and no months                                            | 47%                                                                |
| 57      and no months                                            | 42%                                                                |
| 56      and no months                                            | 38%                                                                |
| 55      and no months                                            | 34%                                                                |

| (c) | Notwithstanding      subsection (b) above, in the case of a Rule of 65 Retiree, the reduction      for a commencement of a Vested Retirement Pension prior to the      Participant’s Normal Retirement Date shall be in accordance with the table      set forth under Section 5.02(b)(2) rather than in accordance with the      table set forth in subsection (b)above. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.06 | Reemployment Before      Pension Commencement Date.  If a Participant who is      entitled to a Retirement Pension in accordance with Section 5.02(b)(1) or      5.05 is reemployed by the Company      before his Pension Commencement Date, benefits based on his Benefit      Service credited after such reemployment will be based on the benefit      formula in effect at the time of his subsequent Termination of Employment      (or for a Pre-1988 Retiree, his Normal Retirement Date, if earlier). In      such event, the amount of Retirement Pension payable      with respect to Benefit Service credited prior to such reemployment will      not be increased by any applicable increase in the benefit formula that      may have occurred subsequent to the date of such previous Termination of      Employment, until the Participant has been reemployed for a period of      continuous active employment of at least 12      months. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 5.07 | Non-Duplication of      Benefits. |
|------|-----------------------------------|

| (a) | Any      Retirement Pension payable under the Plan with respect to a period of      Benefit Service for which payment is to be made from another funded      pension or profit-sharing retirement plan maintained by the Company or an      Affiliate, or to which the Company or any Affiliate contributes or has      contributed, shall be reduced by the amount of pension or other payments      (on an Actuarially Equivalent basis) payable under such other plan with      respect to such period of service; provided, that such reduction shall in      no event reduce the Participant’s benefit from this Plan below the accrued      benefit determined for the Participant without regard to the benefit      derived from such other plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Actuarially Equivalent benefit derived from the retirement plan of a      non-US Affiliate, as provided in Section 5.03 hereof, shall be determined      and fixed as of the Participant’s pension commencement      date.  The currency exchange rate for determining the US dollar      value of such benefit shall be determined as follows:  as of      each December 31 the average currency exchange rate for the applicable      currency for the 5-year period ending on such date shall be      calculated.  Such rate shall apply to all retirements commencing      on the January 1 next following, and shall continue to apply to      retirements commencing through December 31 of that  year. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | This      Section 5.07 shall not apply to participation in the Appleton Papers      Retirement Savings and Employee Stock Ownership Plan or to the Appleton      Papers Retirement Medical SavingsPlan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.08 | Special Retirement      Enhancement Program. |
|------|----------------------------------------------|

| (a) | Eligible      Employees who are employed by Newton Falls Inc., as of July 21, 1997, and      who, as of December 31, 1997, have or will have accrued not fewer than ten      (10) years of Vesting Service and are or will be not less than age      fifty-five (55) as of December 31, 1997, shall be eligible to receive a      Retirement Pension under this Section 5.08 if, and only if, they elect,      during the period commencing July 21, 1997, and ending September 8, 1997,      voluntarily to retire from the service of the Company.  Such      election shall be on a form and in the manner prescribed by the Plan      Administrator. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | A      Participant who makes an election described in subsection (a) above shall      receive the following enhancements to the Retirement Pension with respect      to which such Participant is otherwise entitled under the      Plan: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (1) | three      (3) Years of Benefit Service shall be added to the Participant’s accrued      benefit (credited as of October 1,1997); |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      reduction for commencement prior to Normal Retirement Age specified in      Section 5.02(b)(2), to the extent otherwise applicable, shall be      waived. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | An      election made under subsection (a) above shall be effective October 1,      1997, unless an earlier retirement date is agreed in writing between the      electing Participant and the PlanAdministrator. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 5.09 | 1999 Special      Retirement Enhancement Program (Newton Falls, Harrisburg      Plant). |
|------|-----------------------------------------------------------------------------------------|

| (a) | This      Section 5.09 shall apply to the following classifications of      Participants: |
|-----|-------------------------------------------------------------------------------------------|

|   | (1) | A      Participant who is actively employed at the Harrisburg Plant of the      Company on September 29, 1999 (“Harrisburg Participant”), and who, as of      December 31, 2000, has or will have accrued not fewer than five (5) years      of Vesting Service and is no less than age fifty (50) years of age;      and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      Participant who is actively employed by Newton Falls Inc. on October 13,      1999 (“Newton Falls Participant”), and who, as of July 31, 2000, has or      will have accrued not fewer than five (5) years of Vesting Service and is      not less than fifty (50) years ofage. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Harrisburg Participant or a Newton Falls Participant elects, during a      fixed period of time established by the Company with respect to the      applicable class of Participants, voluntarily to retire from the service      of the Company, such Participant shall be eligible to receive a Retirement      Pension under this Section 5.09 in lieu of any other Retirement Pension      provided under Article 5 of the Plan.  Such election shall be      made on a form and in the manner prescribed by the Plan      Administrator. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Participant who makes an election described in subsection (b) above shall      receive the following enhancements to the Retirement Pension such      Participant is otherwise entitled to receive under the    Plan: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Five      (5) Years shall be added to the Participant’s accrued Years of Benefit      Service, not to exceed 35 years of Benefit Service in any event (to be      credited as of the Participant’s Retirement Date).  For purposes      of this Section 5.09, a Participant’s “Retirement Date” shall be the first      day of the month coincident with or next following the Participant’s      actual Termination of Employment with the  Company; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | An      option to elect immediate commencement of Retirement Pension effective as      of the Participant’s Retirement Date shall be granted;  and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | The      reduction for commencement prior to Normal Retirement Age specified in      Section 5.02(b)(2) Table A, to the extent otherwise applicable, shall be      waived.  For a Retirement Pension that commences prior to age      55, there shall be a reduction      in the Participant’s Retirement Pension equal to three percent (3%) per      year to the Participant’s actual pension commencement date (adjusted by      straight line interpolation for ages that are not      integral). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (d) | An      election made under subsection (a) above shall be effective December 31,      2000 for Newton Falls Participants, and June 30, 2001 for Harrisburg      Participants, unless an |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | earlier      Retirement Date is agreed in writing by and between the electing      Participant and the PlanAdministrator. |
|--------|---------------------------------------------------------------------------------------------------------------------------|

| 5.10 | 2000 Special      Retirement Enhancement Program (All locations, except Harrisburg and      Newton Falls). |
|------|------------------------------------------------------------------------------------------------------------|

| (a) | This      Section 5.10 shall apply to certain Participants assigned to specified      jobs or departments within the Company (as determined by the Company in      its sole discretion) who are actively employed by the Company on January      1, 2000, except those identified as a Harrisburg Participant or a Newton      Falls Participant in Plan Section 5.09, who, as of December 31, 2000, have      or will have accrued not fewer than five (5) years of Vesting Service and      are no less than fifty (50) years of age (a “Section 5.10      Participant”). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      a Section 5.10 Participant elects, during a fixed period of time      established by the Company, voluntarily to retire from the service of the      Company, such Participant shall be eligible to receive a Retirement      Pension under this Section 5.10 in lieu of any other Retirement Pension      provided under Article 5 of the Plan.  Such election shall be      made on a form and in the manner prescribed by the Plan      Administrator. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | A      Participant who makes an election described in subsection (b) above shall      receive the following enhancements to the Retirement Pension such      Participant is otherwise entitled to receive under the    Plan: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Five      (5) Years shall be added to the Participant’s accrued Years of Benefit      Service, not to exceed 35 years of Benefit Service in any event (to be      credited as of the Participant’s Retirement Date).  For purposes      of this Section 5.10, a Participant’s “Retirement Date” shall be the first      day of the month coincident with or next following the Participant’s      actual Termination of Employment with the  Company; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | An      option to elect immediate commencement of Retirement Pension effective as      of the Participant’s Retirement Date shall be granted;  and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | The      reduction for commencement prior to Normal Retirement Age specified in      Section 5.02(b)(2) Table A, to the extent otherwise applicable, shall be      waived.  For a Retirement Pension that commences prior to age      55, there shall be a reduction in the Participant’s Retirement Pension      equal to three percent (3%) per year to the Participant’s actual pension      commencement date (adjusted by straight line interpolation for ages that      are not integral). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | An      election made under subsection (a) above shall be effective December 31,      2000, unless an earlier Retirement Date is agreed in writing by and      between the electing Participant and the Plan    Administrator. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.01 | Special Spouse      Benefit. |
|------|------------------------------|

| (a) | A      “Special Spouse Benefit” shall be paid to a Participant’s surviving spouse      if the Participant dies: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | while      employed by the Company; |
|--------|-----|-------------------------------------|

|   | (2) | with      at least 10 years of Vesting Service;and |
|--------|-----|----------------------------------------------------|

|   | (3) | if      the sum of the Participant’s age (including proportionate credit for each      tenth of a year) and years of Benefit Service is 65 or      greater. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.02 | Form and Amount of      Special Spouse Benefit. |
|------|-------------------------------------------------|

| (a) | The      Special Spouse Benefit will be a monthly benefit equal to 50% of the      monthly pension that would have been paid to the Participant if he had      started to receive an Early Retirement Pension on the day before his death      in the form of a Qualified Joint and Surviving Spouse Annuity but without      any reduction for commencement of such pension prior to Normal Retirement      Age. The amount of this annuity will, however, be determined after giving      effect to the actuarial reduction required under Section 1.33(b) to      convert the amount of pension payable in the form described in Section      7.01 into an actuarially equivalent amount payable as a Qualified Joint      and Surviving Spouse Annuity. Notwithstanding the above provisions of this      Section 6.02(a), the Special Spouse Benefit will not be less than the      Pre-Retirement Surviving Spouse Annuity to which the Surviving Spouse      would have been entitled if Section 6.03 had applied to the      Participant. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Special Spouse Benefit will be payable monthly for the lifetime of the      Participant’s surviving spouse, the first monthly payment to be made for      the month next following the month in which the Participant dies and the      last monthly payment to be made for the month in which the spouse      dies. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.03 | Pre-Retirement      Surviving Spouse Annuity. |
|------|-----------------------------------------------|

| (a) | Application.  The      provisions of this Section 6.03 shall apply to any Participant who (l) is      credited with at least one paid working hour or hour of paid leave under      the Plan on or after August 23, 1984, (2) is not covered by the Special      Spouse Benefit under Sections 6.01 and 6.02 and (3) is vested in his      accrued benefit under the Plan, and to any eligible Participant electing      to have such provisions apply under Section 6.04 (a “Covered      Participant”). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Definitions. |
|-----|--------------|

|   | (1) | The      term “Pre-Retirement Surviving Spouse Annuity” means a monthly benefit      beginning on the Starting Date and ending with a payment made on the first      day of the month in which the Spouse’s death occurs, in an amount equal to      the monthly benefit that would have been payable to the Surviving Spouse      of the Participant if such Participant had terminated employment on the      earlier of the date of his death or the date of any prior actual      termination, had survived until the Starting Date and had begun to receive      a Retirement Pension in the applicable post-retirement form immediately      prior to the Starting Date and then died on the Starting      Date.  For this purpose, the applicable postretirement form      shall be whichever benefit form described in Section 7.05 that the      Participant has elected in accordance with Section 7.04 or, if an election      under Section 7.04 has not been made, a Qualified Joint and Surviving      Spouse Annuity. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | The      term “Starting Date” means:  (1) in the case of a Participant      who dies before his Normal Retirement Date, the day that would have been      the Participant’s Normal Retirement Date, or if the Surviving Spouse so      elects, the first day of any earlier month following (A) the day the      Participant dies if he dies on or after his Earliest Retirement Age or (B)      in any other case the day he would have attained his Earliest Retirement      Age had he survived, but crediting no years of Vesting Service for periods      following his actual date of death for this purpose, and (2) in the case      of a Participant who dies after his Normal Retirement Date and before his      Pension Commencement Date shall be the first day of the month following      his death. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Surviving Spouse      Benefit.  If a Participant to whom this Section 6.03      applies dies before his Pension Commencement Date, his Surviving Spouse,      if any, will receive a Pre-Retirement Surviving Spouse      Annuity. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Death of      Spouse.  If the Participant’s Spouse dies before the      Participant, the Pre-Retirement Surviving Spouse Annuity coverage shall be      deemed revoked at the date of the Spouse’s  death. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Cost of      Benefit.  The benefit provided under this Section 6.03      may not be waived (or another beneficiary selected) and the Plan shall      fully subsidize the costs of suchbenefit. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 6.04 | Application to      Participants Previously Terminated after ERISA Effective      Date.  Any living Participant not receiving benefits      under the Plan on August 23, 1984 (and whose benefits had not been      distributed by purchase of an annuity contract prior to that date) who      would otherwise not receive the benefits described by Section 6.03, shall      nevertheless be eligible for such benefits if such Participant was      credited with at least one paid hour of service on or after January 1,      1976, and such Participant had at least 10 years of Vesting Service when      he separated from service. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 6.05 | Plan Death      Benefits.  No benefit will be payable under this Plan      upon the death of a Participant, except as specifically provided in the      foregoing provisions of this Article 6 or in Article  7. |
|------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.01 | Normal Form of      Benefit.  Except as otherwise provided in this Article 7,      a Participant’s Retirement Pension will be payable monthly for the      lifetime of the Participant, starting on his Pension Commencement Date      determined under Article 5 and ending with the payment for the month in      which the Participant dies. |
|------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.02 | Automatic      Post-Retirement Surviving SpouseOption. |
|------|--------------------------------------------------------|

| (a) | Application:  The      provisions of this Section 7.02 shall apply to any Participant who is      credited with at least one paid working hour or hour of paid leave under      the Plan on or after August 23, 1984 and whose benefits did not begin      before January 1, 1985. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Qualified Joint and      Surviving Spouse Annuity:  A Participant’s vested accrued      benefit under the Plan shall be paid in the form of a Qualified Joint and      Surviving Spouse Annuity unless (l) the Participant makes a Qualified      Election to be paid in the normal form described in Section 7.01 or (2)      the Participant elects a joint and 75% or 100% surviving spouse annuity      under Section 7.05. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Information to      Participants:  No less than 30 days and no more than 90      days before his Pension Commencement Date, each Participant shall be given      a written notification in nontechnical termsof: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      terms and conditions of the Qualified Joint and Surviving Spouse      Annuity, |
|--------|-----|-----------------------------------------------------------------------------------------|

|   | (2) | the      right of the Participant to make, and the effect of, a Qualified      Election, |
|--------|-----|------------------------------------------------------------------------------------------|

|   | (3) | the      right of the Participant’s Spouse to consent or not to consent to such an      election, |
|--------|-----|---------------------------------------------------------------------------------------------------------|

|   | (4) | the      right of a Participant to make, and the effect of, a revocation of a      Qualified Election, and |
|--------|-----|------------------------------------------------------------------------------------------------------------|

|   | (5) | such      other information as may be required under applicable      regulations. |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (6) | the      Participant has been provided with information that clearly indicates that      the Participant has at least 30 days to consider whether to waive the      Qualified Joint and Survivor Annuity and elect (with spousal consent) to a      form of distribution other than a Qualified Joint and Survivor      Annuity. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (7) | the      Participant is permitted to revoke any affirmative distribution election      at least until the Pension Commencement Date or, if later, at any time      prior to the expiration of the 7-day period that begins the day after the      explanation of the Qualified Joint and Survivor Annuity is provided to the      Participant, and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (8) | the      Pension Commencement Date is a date after the date that the written      explanation was provided to theParticipant. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------|

| 7.03 | Participants      Terminating after September 1, 1974 and before ERISA Effective      Date. |
|------|---------------------------------------------------------------------------------------------|

| (a) | Any      living Participant not receiving benefits on August 23, 1984, who was      credited with at least one paid hour of service under this Plan on or      after September 2, 1974, and who is not covered by Section 7.02 of this      Plan, or by the qualified joint and survivor annuity provisions of Section      7.02 of this Plan as in effect on August 22, 1984, must be given the      opportunity to have his benefits paid in accordance with such qualified      joint and survivor annuityprovisions. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      election may be made at any time during the period from August 23, 1984 to      the Participant’s Pension CommencementDate. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------|

| 7.04 | Election of Optional      Forms of Payment. |
|------|---------------------------------------------|

| (a) | A      married Participant may elect to receive a Retirement Pension payable in      the optional form described in Section 7.05 instead of a Qualified Joint      and Surviving Spouse Annuity. The benefits payable under such optional      form will be reduced in accordance with Section 1.02 or 1.03 of Appendix A      (whichever applies) so as to be the Actuarial Equivalent of the benefits      otherwise payable in the normal form described in Section      7.01. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Except      as modified under Section 7.02, any election of an optional form of      payment described in Section 7.05 must be in writing on a form prescribed      by the Plan Administrator and shall become effective on the later of the      Participant’s Pension Commencement Date and thirty (30) days following his      receipt of the notice described in Section 7.02, and may be revoked at any      time prior to the Pension Commencement Date; provided, however, that if a      Participant other than (1) a Participant who has provided the Plan      Administrator with a certificate of good health as of such Participant’s      Pension Commencement Date, by a doctor satisfactory to the Plan      Administrator, or (2) a Participant who dies of accidental causes, dies      within three (3) years after his Pension Commencement Date, such election      shall be null and void as to any Beneficiary or the Participant’s estate      and the Participant’s Spouse (if any) shall receive the benefit that would      have been payable to the survivor under the Qualified Joint and Surviving      Spouse Annuity form had no election been made  hereunder. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.05 | 75% or 100% Surviving      Spouse Option. |
|------|-------------------------------------------|

| (a) | The      75% or 100% surviving spouse option will provide a reduced monthly amount      of Retirement Pension for the lifetime of the Participant and, at the time      of the Participant’s death, for the continuance of 75% or 100% of such      reduced monthly amount to the Participant's Spouse, to be paid for the      remainder of the Spouse's lifetime, provided that such Spouse was married      to the Participant on his Pension Commencement  Date. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | If      the Participant’s Spouse dies before his Pension Commencement Date, the      Participant’s election of this option shall be null and void. If the      Spouse dies before the Participant but after the Participant’s Pension      Commencement Date no benefits will be payable under this option upon the      death of the Participant, but the Participant’s Retirement Pension shall      continue to be payable to him during his life in the reduced amount      provided under the option. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.06 | Reemployment of      Pensioner. |
|------|---------------------------------|

| (a) | If      a Participant starts receiving his Retirement Pension and is later      reemployed by the Company, any monthly pension payments he is then      receiving will be suspended to the extent provided under Section      7.09.  During the period of reemployment he will be eligible to      accrue Benefit Service under the then current provisions of the Plan if      the requirements of Section 2.02 aresatisfied. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | At      the time of the Participant’s subsequent Termination of Employment, the      previously suspended monthly pension benefit will commence in the same      amount and form as was effective at the time of suspension, and, in      addition, any benefit derived from the additional Benefit Service accrued      during the period of reemployment will be payable under the then current      provisions of the Plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.07 | Small      Benefits. |
|------|----------------------|

| (a) | If      any Retirement Pension or other benefit under this Plan requires monthly      payments of less than $20 per month, the Committee may direct that such      payments be paid quarter-annually, semi-annually, or annually, rather than      monthly. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Notwithstanding      any other provision of this Plan, if the Actuarial Value (determined by      using the assumptions set forth in Section 1.06 of Appendix A to this      Plan) of the nonforfeitable portion of any benefit otherwise payable      hereunder is $5,000 or less as of the annuity starting date, such benefit      shall be paid to the Participant or his Surviving Spouse (as the case may      be) in a single sum, provided, however, that effective January 1, 1987, no      lump sum distribution shall be made under this Section 7.07(b) after the      Participant’s “annuity starting date” unless the Participant and his      Spouse (or the Surviving Spouse if applicable) consent in writing to such      distribution.  For purposes of the preceding sentence “annuity      starting date” means (i) the first day of the first period for which an      amount is payable as an annuity, or (ii) in the case of a benefit not      payable in an annuity, the first day on which all events have occurred      which entitle the Participant to such benefit.  Such payment      shall be in full satisfaction of any liability the Plan may have with      respect to such person.  Prior to January 1, 1998, “$3,500” was      substituted for “$5,000” in this Section 7.07(b).  Effective for      distributions made prior to October 17, 2000, “and was $5,000 or less as      of the date of any prior distribution,” was substituted for “as of the      annuity starting date” in the first sentence of this Section      7.07(b). |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (c) | For      purposes of this Section 7.07, if such Actuarial Value of the      nonforfeitable portion of a Participant’s Retirement Pension is zero, the      Participant shall be deemed to have received a single sum distribution of      the nonforfeitable portion of his Retirement Pension upon his Termination      of Employment. The nonvested portion of the Retirement Pension of a      Participant who is deemed to have received a single sum distribution of      his nonforfeitable portion of his Retirement Pension under this Section      7.07(c) shall be forfeited as of the date distribution is deemed to have      been made. The unvested Retirement Pension forfeited pursuant to this      Section 7.07(c) shall be restored in the case of a Participant who is      reemployed before incurring a Break in Service, or in the case of a      Participant who is reemployed after incurring a Break in Service if (and      only if) his Benefit Service prior to the Break in Service has not been      permanently forfeited under Section 4.05 and the requirements for      restoration under Section 2.02 have beenmet. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | In      the event of a single sum distribution under subsection 7.07(b) that      occurs on or after March 28, 2005, where such distribution is greater than      $1,000 (but does not exceed $5,000), if the Participant does not elect to      have such distribution paid directly to an Eligible Retirement Plan in an      Eligible Rollover Distribution as described in Section 7.13, or to receive      the distribution directly, then the Committee will pay the distribution in      an Eligible Rollover Distribution to an individual retirement plan (Code      §408) designated by the Committee. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.08 | Time of Commencement      of Benefits. |
|------|----------------------------------------|

| (a) | Notwithstanding      any other provision of this Plan (but subject to subsections (b) and (c)      below), and unless the Participant elects otherwise, the distribution of a      Participant’s nonforfeitable benefits under the Plan shall commence by the      earlier of: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      60th day after the close of the Plan Year in which the later of the      following events occurs: |
|--------|-----|------------------------------------------------------------------------------------------------------------|

|   | (A) | the      Participant’s Termination of Employment,or |
|--------|-----|-----------------------------------------------------------|

|   | (B) | the      Participant’s attainment of his Normal Retirement Age,  or |
|--------|-----|---------------------------------------------------------------------------|

|   | (C) | the      10th anniversary of the year in which the Participant commenced      participation in the Plan. |
|--------|-----|----------------------------------------------------------------------------------------------------------|

|   | (2) | the      time prescribed by Section 7.10 of thePlan. |
|--------|-----|------------------------------------------------------|

| (b) | For      years prior to the 1989 calendar year (distributions with respect to which      shall be made no later than April 1, 1990), Section 7.08(a)(2) shall apply      only to a Participant who is or was a 5-percent owner (as described in      Section 16.02(a)(3)) for any part of any Plan Year during or after which      the Participant attained age66-1/2. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the above provisions of this Section 7.08, payment may be delayed if the      amount of a Payment otherwise required to commence on any date cannot be      ascertained, or payment on such date cannot be made because the Committee      has been unable to locate the Participant after making reasonable efforts      to do so. In either case, a payment,      retroactive to the date payment should have commenced, shall be made no      later than 60 days after the earliest date on which the amount of the      payment can be ascertained or the Participant is located (whichever is      applicable). |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (d) | The      Committee may require, as a condition for the payment of benefits under      the Plan, that a Participant file a written claim for benefits with the      Committee which provides all the information reasonably necessary for the      payment of such benefits. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.09 | Employment After      Normal Retirement Date or After Commencement of      Benefits. |
|------|--------------------------------------------------------------------------------------|

| (a) | If      a Participant continues in active employment after his Normal Retirement      Date, or is reemployed under the circumstances described in subsection (b)      below, the Retirement Pension otherwise determinable in respect of the      Participant shall be actuarially increased to reflect the amount by which      the value of all Missed Payments exceeds the value of additional benefits      (if any) credited to him after his Normal Retirement Date (including,      without limitation, additional benefits attributable to continued accruals      and benefit improvements, retroactive or otherwise).  For      purposes of the preceding sentence, a Missed Payment shall mean any      monthly pension payment which (1) was not paid on account of the      Participant’s employment after his Normal Retirement Date and (2) is      attributable to a calendar month in which the Participant had fewer than      40 Hours of Service. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Effective      January 1, 1988, this Section 7.09 shall apply to a Participant who      continues in active employment after   his Normal      Retirement Date, or who isreemployed: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | on      or after his Normal RetirementDate; |
|--------|-----|---------------------------------------------|

|   | (2) | after      starting to receive his Early Retirement Pension if it commenced before he      reached age 62; or |
|--------|-----|---------------------------------------------------------------------------------------------------------------|

|   | (3) | after      starting to receive his Vested Retirement Pension if it commenced before      he reached Normal Retirement Age or, if he is a Rule of 65 Retiree, before      he reached age 62. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | In      the event of the Participant’s death before his actual retirement or other      Termination of Employment, no death or survivor benefits shall be payable      with respect to benefits otherwise payable under subsection (a)      above. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      overpayment of any benefits caused by the operation of Section 7.06      (determined after giving effect to this Section 7.09) may be recovered by      the Trustee by offset against payments that may be or become due to, or in      respect of, the Participant; provided, however, that such offset shall not      exceed 25% of any month’s benefit payment, other than the first payment      (including any arrears contained therein), and notice of such offset shall      be given in accordance with applicable  regulations. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.10 | Required Commencement      of Benefits. |
|------|-----------------------------------------|

----

| (a) | The      payment of benefits under the Plan to a Participant eligible for such      benefits shall begin no later than the April 1 of the calendar year      following the calendar year in which the Participant attains age 70 1⁄2 in      the case of 5% owners (hereinafter the “required beginning      date”).  For Participants who are not 5% owners, the required      beginning date is the later of the April 1 of the calendar year following      the calendar year in which the Participant attains age 70 1⁄2 or      retires.  Any Participant who is not a 5% owner and who attains      age 70 1⁄2 after the 1995 calendar year but prior to the 1999 calendar year      may elect to commence receiving benefits in accordance with the required      beginning date under the definition in effect prior to January 1, 1997, by      written direction to the Committee.  Except with respect to a 5%      owner, a Participant’s benefit is actuarially increased to take into      account the period after age 70 1⁄2 in which the Participant does not      receive any benefits under the Plan, as required under Code Section      401(a)(9)(C)(iii) and regulations thereunder.  Prior to January      1, 1997, the required beginning date was no later than the April 1 of the      calendar year following the calendar year in which the Participant      attained age 70 1⁄2.  Notwithstanding the preceding, the following      rules shall apply where applicable: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Such      benefits will be distributed, beginning not later than the required      beginning date, over the life of such Participant or over the lives of      such Participant and a designated beneficiary (or over a period not      extending beyond the life expectancy of such Participant or the life      expectancy of such Participant and a designated      beneficiary).  For purposes of the preceding sentence, the life      expectancy of a Participant and the Participant’s spouse (other than in      the case of a life annuity) may be recalculated so long as such      expectancies are not recalculated more frequently than      annually. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | In      the event the Participant dies before distribution of benefits has      commenced, the entire benefit shall be distributed within the next five      (5) years unless: (A) if benefits are payable to the Participant’s      Beneficiary other than the surviving spouse, (i) benefits will be      distributed over the life or life expectancy of the Beneficiary and (ii)      payments commence not later than one year after the Participant’s death;      or (B) if benefits are payable to the Participant’s surviving spouse (i)      benefits will be distributed over the life or life expectancy of the      Spouse; and (ii) benefit payments commence no later than the date on which      the Participant would have attained age701⁄2. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | In      the event the Participant dies after distribution of benefits has      commenced, and benefits are payable within the limits of a period of time      not extending beyond the life or life expectancy or joint lives and last      survivor expectancies of the Participant and his Beneficiary, then the      remaining portion of such benefit shall be distributed at least as rapidly      as under the method being used as of the date of the Participant’s      death. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.11 | Qualified Domestic      Relations Orders. |
|------|-------------------------------------------|

| (a) | Definition:  For      purposes of this Section 7.11, “Qualified Domestic Relations Order” means      any judgment, decree or order (including approval of a property      settlement) made |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | pursuant      to a state domestic relations law (including a community property law)      which relates to the provision of child support, alimony payments or      marital property to a spouse, former spouse, child or other dependent of a      Participant and which creates or recognizes the existence of a right of      such spouse, former spouse, child or other dependent to receive all or a      portion of the benefits payable with respect to a Participant under the      Plan. A Qualified Domestic Relations Order must clearly specify the amount      or percentage of the Participant’s benefits to be paid to such recipient      by the Plan (or the manner in which such amount or percentage is to be      determined), the number of payments or period to which such order applies      and each plan to which such order applies. A Qualified Domestic Relations      Order (i) may not require the Plan (A) to provide payment to the recipient      in a form other than as a single life annuity or other form available to      the Participant, excluding however any joint and survivor annuity form      (i.e. the forms described in Sections 1.32 and 7.05); (B) to pay benefits      to a recipient under such order which are required to be paid to another      recipient under another such order previously filed with the Plan; or (C)      to provide increased benefits (determined on the basis of actuarial      equivalents), but (ii) may require payment of benefits to the recipient      under the order (A) at any time after the date of the order and on or      after the Participant’s Earliest Retirement Age, (B) as if the      Participant’s Pension Commencement Date had occurred on the date on which      such payment is to begin under such order (taking into account only the      present benefits in which the Participant is then vested), and (C) in any      form permitted under clause (i)(A) above; provided, however, that such      benefit shall be determined based on the life expectancy of the recipient.      An order will not fail to constitute a Qualified Domestic Relations Order      solely because it permits the recipient and the Committee to enter into an      agreement under which the benefits payable to the recipient will be made      prior to the Participant’s Earliest Retirement Age (with appropriate      reduction for early commencement) at any time after the order is      determined to be a Qualified Domestic Relations Order, whether or not the      Participant has separated fromservice. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Distributions:  The      Committee shall recognize and honor any judgment, decree or order entered      on or after January 1, 1985 under a state domestic relations law which the      Committee determines to be a Qualified Domestic Relations Order in      accordance with such reasonable procedures to determine such status as the      Committee shall establish. Without limitation of the foregoing, the      Committee shall notify a Participant and the person entitled to benefits      under a judgment, decree or order which purports to be a Qualified      Domestic Relations Order of (i) the receipt thereof, (ii) the Plan’s      procedures for determining whether such judgment, decree or order is a      Qualified Domestic Relations Order, and (iii) any determination made with      respect to such status. During any period during which the Committee is      determining whether any judgment, decree or order is a Qualified Domestic      Relations Order, any amount which would have been payable to any person      pursuant to such order shall be separately accounted for pending payment      to the proper recipient thereof. Any such amount shall be paid to the      person entitled to such payment under any such judgment, decree or order      if the Committee |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | determines      such judgment, decree or order to be a Qualified Domestic Relations Order      within 18 full calendar months commencing with the date on which the first      payment would be required to be made under such judgment, decree or order.      If the Committee is unable to make such a determination within such time      period, payment under the Plan shall be as if such judgment, decree or      order did not exist and any such determination made after such time period      shall be applied prospectively only. The Participant’s Retirement Pension      shall be appropriately adjusted to reflect any distribution made pursuant      to a Qualified Domestic RelationsOrder. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Actuarial      Subsidy:  If any Qualified Domestic Relations Order      should require payment to any person prior to the actual retirement or      other separation from service of a Participant, the portion of the      benefits of such Participant payable to the alternate payee shall be      actuarially reduced to reflect payment prior to Normal Retirement Date in      accordance with the reduction factors in Section 5.05 whether or not such      payment would, had the participating employee actually retired, be paid as      an Early Retirement Pension or other benefit providing an actuarial      subsidy. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.12 | Spouses of Certain      Early Retirees.  In the case of a Participant who retired      under the provisions of Section 5.03 of the Plan as in effect prior to      January 1, 1989 (Special Early Retirement Pension), unless the provisions      of Section 7.02 were waived within 90 days prior to the commencement of      the Special Early Retirement Pension under that Section pursuant to a      Qualified Election, the Surviving Spouse of such a Participant shall be      entitled to a monthly benefit for life as determined as      follows: |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | If      the Participant dies before his Normal Retirement Date, his Surviving      Spouse will be entitled to a monthly benefit in the amount that would have      then become payable to such Spouse under a Qualified Joint and Surviving      Spouse Annuity if the Participant’s benefits had begun in that form in an      amount determined under Section 5.02(b)(2) rather than under Section 5.03      as previously in effect. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      the Participant dies on or after his Normal Retirement Date, his Surviving      Spouse will be entitled to a monthly benefit in an amount that would then      become payable under a Qualified Joint and Surviving Spouse Annuity if the      Participant’s benefits had begun in that form in an amount determined      under Section 5.03(b)(1) as previously in effect (i.e., no reduction shall      be made for the commencement of payment prior to Normal Retirement Date      under Section 5.02). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 7.13 | Eligible Rollover      Distributions. |
|------|---------------------------------------|

| (a) | Direct Rollover      Election:  Notwithstanding any 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 Committee, to have any portion of an eligible rollover      distribution paid directly to an eligible retirement plan specified by the      distributee in a direct rollover. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Definitions: |
|-----|--------------|

----

|   | (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 joint 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; the portion of any      distribution that is not includible in gross income (determined without      regard to the exclusion for net unrealized appreciation with respect to      employer securities); and any hardship distribution described in Section      401(k)(2)(B)(i)(IV) of the Code received on or after January 1, 1999 or,      effective January 1, 2002, any other distribution made on account of      hardship.  Effective January 1, 2002, a portion of a      distribution shall not fail to be an eligible rollover distribution merely      because the portion consist of after-tax employee contributions which are      not includible in gross income.  However, such portion may be      paid only to an individual retirement account or annuity described in Code      section 408(a) or (b), or to a qualified defined contribution plan      described in Code sections 401(a) or 403(a) that agrees to separately      account for amounts so transferred including separately accounting for the      portion of such distribution which is includible in gross income and the      portion of such distribution which is not so  includible. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (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, an annuity      plan described in Section 403(a) of the Code, or a qualified trust      described in Section 401(a) of the Code, that accepts the distributee’s      eligible rollover distribution.  However, in the case of an      eligible rollover distribution to the surviving spouse, an eligible      retirement plan is an individual retirement account or individual      retirement annuity.  Effective January 1, 2002, an eligible      retirement plan shall also mean an annuity contract described in Code      section 403(b) and an eligible plan under Code section 457(b) which is      maintained by a state, political subdivision of a state, or any agency or      instrumentality of a state or political subdivision of state and which      agrees to separately account for amounts transferred to such plan from      this Plan.  Effective January 1, 2002, the definition of      eligible retirement plan shall also apply in the case of a surviving      spouse, or to a spouse or former spouse who is the alternate payee under a      Qualified Domestic Relations Order, as defined in Code  section      414(p) and Plan Section 7.11. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Distributee:  A      distributee includes an employee or former employee.  In      addition, the employee’s or former employee’s surviving spouse and the      employee’s or former employee’s spouse or former 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 thedistributee. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------|

| 8.01 | Forfeitures.  Any      forfeiture arising for any reason under the Plan will not be applied to      increase the benefits any Participant or spouse would otherwise receive      under the Plan, but will be used to reduce the costs of the      Plan. |
|------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 8.02 | Deemed Distributions      and Forfeitures.  If a Participant incurs a Termination      of Employment prior to becoming eligible for a Retirement Pension      described in Sections 5.01, 5.02, 5.04 or 5.05 of the Plan, such      Participant will be deemed to have received a distribution of his vested      benefit upon termination and will be further deemed to have forfeited his      nonvested benefit at the time of such deemed  distribution. |
|------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.01 | Appointment of      Committees. |
|------|---------------------------------|

| (a) | There      are hereby created an Administrative Committee and a Benefit Finance      Committee, each of which shall consist of not less than three members. The      members of each Committee shall be appointed by the Board of Directors of      Appleton Papers Inc.  Each member of a Committee may resign, or      may be removed at any time by the Board of Directors (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.  In the event that a vacancy or vacancies shall occur      on a Committee, the remaining member or members shall act as the Committee      until the Board of Directors fills such vacancy or vacancies. The members      of each Committee shall serve without compensation for their services as      such members. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | No      person shall be ineligible to be a member of a 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 Affiliate; provided, that no      member of a Committee shall participate in any determination by the      Committee relating specifically to his own benefits under the      Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| 9.02 | Named      Fiduciaries. |
|------|-------------------------|

| (a) | The      named fiduciaries under the Plan shallbe: |
|-----|----------------------------------------------------|

|   | (1) | the      Administrative Committee, which shall have authority to control and manage      the operation and administration of the Plan, except with respect to those      matters |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | which      under the Plan or the Trust Agreement are the responsibility, or subject      to the authority, of the Benefit Finance Committee,  and |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      Benefit Finance 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 which under      the Plan or the Trust Agreement are the responsibility, or subject to the      authority, of the AdministrativeCommittee. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.03 | Allocation of      Fiduciary and OtherResponsibilities. |
|------|---------------------------------------------------------|

| (a) | Each      Committee shall have the right: |
|-----|-------------------------------------------|

|   | (1) | to      allocate responsibilities (fiduciary or otherwise) among it and the other      Committee; |
|--------|-----|---------------------------------------------------------------------------------------------------|

|   | (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 Committees to carry out responsibilities      (fiduciary or otherwise) under thePlan. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------|

| 9.04 | Quorum and Voting;      Procedures.  A majority of the members of a Committee at      the time in office shall constitute a quorum for the transaction of      business.  Each Committee shall select from among its members a      Chair, and shall appoint (from its members or otherwise) a      Secretary.  Each Committee may act by vote or consent of the      majority of its members then in office and may establish its own      procedures.  Each Committee may authorize any one or more of its      members or the Secretary of the Committee to sign and deliver any      instrument, certificate or other paper or document on its      behalf. |
|------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.05 | Service in Multiple      Capacities.  Any person or group of persons may serve in      more than one fiduciary capacity with respect to the  Plan. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.06 | Powers and      Authority. |
|------|----------------------------|

| (a) | Each      Committee shall have all powers necessary or helpful for the carrying out      of its responsibilities (and shall have discretion with respect to such      powers), and the decisions or actions of such Committee in good faith in      respect of any matter hereunder shall be conclusive and binding upon all      parties concerned. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Without      limiting the generality of subsection (a) above, the Administrative      Committee shall be the Plan Administrator for purposes of ERISA and shall      have the power (and shall have discretion with respect to such      power): |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | to      make rules and regulations for the administration of the Plan which 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      the Administrative Committee deems such a determination advisable;      and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | to      establish and communicate to employees 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 suchclaim. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Without      limiting the generality of subsection (a) above, the Benefit Finance      Committee shall have the power: |
|-----|------------------------------------------------------------------------------------------------------------------------|

|   | (1) | to      carry out, or cause to be carried out, the funding policy established by      Appleton Papers Inc. for purposes of thePlan; |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | 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 therefor 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 which 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      therefor shall be recorded in the minutes of the meetings of such      Committee; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | 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 (4)      below; |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | to      appoint an investment manager or managers, as defined in ERISA, to manage      (including the power to acquire, invest and dispose of) any assets of the      Plan; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | to      establish and carry out an actuarial policy, and for such purpose to      appoint an actuary to advise it on funding and other requirements and      whose duties shall include making periodic actuarial valuations;      and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | unless      otherwise provided in the Plan, the Trust Agreement, or by applicable law,      to adopt such actuarial cost methods, asset valuation methods, and      assumptions to be used under the Plan as such Committee, upon advice of      the actuary and its counsel, shall deem  reasonable. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | The      foregoing list of powers is not intended to be either complete or      exclusive, and each Committee shall, in addition, have such powers as it      may determine to be necessary for the performance of its duties under the      Plan and the Trust Agreement. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 9.07 | Advisors.  Each      Committee, and any fiduciary designated by a Committee pursuant to Section      9.03(a)(3) above to whom such power is granted by a Committee, may employ      one or more persons to render advice with regard to any responsibility      such Committee or fiduciary has under thePlan. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.08 | Limitation of      Liability; Indemnity. |
|------|------------------------------------------|

| (a) | Except      to the extent otherwise provided by law, if any duty or responsibility of      a named fiduciary has been allocated or delegated to any other person in      accordance with any provision of this Plan or of the Trust Agreement, then      such named fiduciary shall not be liable for any act or omission of such      person in carrying out such duty or  responsibility. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Company shall indemnify and save each person who is a member of a      Committee and each employee or director of the Company or an Affiliate who      is “fiduciary” under the Plan, harmless against any and all loss,      liability, claim, damage, cost and expense which may arise by reason of,      or be based upon, any matter connected with or related to the Plan or the      administration of the Plan (including, but not limited to, any and all      expenses whatsoever reasonably incurred in investigating, preparing or      defending against any litigation, commenced or threatened, or in      settlement of any such claim whatsoever) to the fullest extent permitted      under applicable law, except when same is judicially determined to be due      to the gross negligence or willful misconduct of such member, employee or      director. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 9.09 | Expenses.  Ordinary      and necessary expenses incurred in connection with the establishment or      termination of the Plan may be paid from the Trust Fund to the extent      allowed under Section 403(c)(1) of ERISA.  Ordinary and      necessary expenses incurred for any Plan Year in connection with      administering the Plan (including the cost of any bond required under      Section 412 of ERISA), other than establishment or termination expenses,      may be paid from the Trust Fund.  To the extent expenses      incurred in establishing, administering or terminating the Plan are not      paid from the Trust Fund they shall be paid by the  Company. |
|------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 10.01 | Trust      Fund. |
|-------|------------------|

| (a) | As      part of the Plan, the Benefit Finance Committee has become a party to the      Trust Agreement. The Trustee will receive the contributions of the Company      to the Trust Fund, and will hold, invest and distribute the Trust Fund in      accordance with the terms and provisions of the Trust Agreement and the      Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Any      and all rights or benefits which may accrue to any person under the Plan      shall be subject to all the terms and provisions of the Trust      Agreement. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | ARTICLE      11. |
|--------|------------------|

|   | Amendment      or Merger |
|--------|--------------------------|

| 11.01 | Right      Reserved. |
|-------|----------------------|

| (a) | The      Company may, by action of its Board of Directors, amend the Plan in whole      or in part, at any time or from time totime. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------|

| (b) | No      amendment may divest any Participant of any accrued benefit, except as      provided in Section 11.02 or as otherwise permitted by law. If this Plan      is amended and an effect of such amendment is to increase current      liability (as defined in Code section 401(a)(29)(E)) under the Plan for a      Plan Year, and the funded current liability percentage of the Plan for the      Plan Year in which the amendment takes effect is less than 60%, including      the amount of the unfunded current liability under the Plan attributable      to the amendment, the amendment shall not take effect until the Company      (or any Affiliate) provides security to the Plan. The form and amount of      the security shall satisfy the requirements of Code section 401(a)(29)(B)      and (C). The security may be released provided the requirements of Code      section 401(a)(2)(D) are satisfied. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 11.02 | Amendments Required      for Qualification.  All provisions of this Plan, and all      benefits and rights granted hereunder, are subject to any amendments,      modifications or alterations which are necessary from time to time to      qualify the Plan under section 401(a) of the Code, to continue the Plan as      so qualified, or to comply with any other provision of law. Accordingly,      and notwithstanding any other provision of this Plan, the Company may      amend, modify or alter the Plan with retroactive effect in any respect or      manner necessary to qualify the Plan under Code section 401(a), or to      continue the Plan as so qualified, or to comply with any other provision      of applicable law. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 11.03 | Merger. |
|-------|---------|

| (a) | Subject      to the provisions of this Section 11.03, the Plan may be amended to      provide for the merger of the Plan, in whole or in part, or a transfer of      all or a part of its assets, to any other qualified plan within the      meaning of Code section 401(a) (including such a merger or transfer in      lieu of a distribution which might otherwise be required under the      Plan). |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Plan may not be merged or consolidated with, nor may its assets or      liabilities be transferred to, any other plan in whole or in part, unless      each Participant would be entitled to a benefit immediately after the      merger, consolidation, or transfer (if such other plan had then      terminated) which is equal to or greater than the benefit he would have      been entitled to receive immediately before the merger, consolidation or      transfer (if the Plan had thenterminated). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.01 | Rights      Reserved.  The Company, by action of its Board of      Directors, reserves the right to terminate the Plan at any time, in whole      or in part. If the Plan is terminated, no  Company |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | shall      have any liability or obligation to make any contribution or payment to      the Plan after the date of suchtermination. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------|

| 12.02 | Vesting Upon Plan      Termination. |
|-------|-------------------------------------|

| (a) | Upon      the termination or partial termination (within the meaning of Code section      411(d)(3)) of the Plan, the rights of all affected employees to benefits      accrued to the date of such termination or partial termination which are      not yet nonforfeitable under applicable provisions of the Plan shall, to      the extent funded as of such date, become  nonforfeitable. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      the event of a partial termination, the benefits of all Participants and      their Spouses who have vested rights to benefits under the Plan must be      fully funded before any benefits that are not so vested may be treated as      funded.  For this purpose, the amount of assets necessary to      fund such vested benefits shall be determined on the basis of the      actuarial assumptions most recently used by the Plan in determining its      compliance with the funding requirements of Code Section      412.  If the net fair market value of the assets of the Plan on      the date of partial termination shall exceed the amount thus determined to      be necessary to fund vested benefits of the Plan, the determination of the      extent to which the non-vested benefits of participants affected by the      partial termination have been funded shall be made by allocating such      excess among all Participants having non-vested accrued benefits under the      Plan in proportion to the respective Actuarial Values of their non-vested      accrued benefits, except as may be otherwise required by reason of the      provisions of ERISA Section 208 (relating to prior mergers and      spinoffs). |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.03 | Priority and Method of      Distribution. |
|-------|-------------------------------------------|

| (a) | In      the event of the termination of the Plan, the assets of the Plan shall be      used and disposed of for the benefit of such affected employees and their      Spouses in accordance with the provisions of Title IV of      ERISA. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Any      amounts payable under this Section 12.03 may, in the joint discretion of      the Committee and the Benefit Finance Committee, be provided by      continuation of the Trust or through the purchase of annuities, or by      current distribution in a single sum, or any combination of the      foregoing. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | The      Trustee will continue as Trustee of the Trust Fund until complete      distribution of the Trust Fund has beenmade. |
|-----|------------------------------------------------------------------------------------------------------------------------------|

| 12.04 | Determination by      Committees.  All determinations as to priorities and      amounts of benefits payable upon termination of the Plan as provided in      Section 12.03 shall be made by the Committee and the Benefit Finance      Committee, and shall be final and binding upon all Participants and their      Spouses. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.05 | Return of Actuarial      Excess.  Notwithstanding any provisions to the contrary      contained in the Plan, upon termination of the Plan, the Company or its      successors or assigns will be entitled to any balance of the net assets of      the Plan remaining after all liabilities under the Plan to Participants      and their Spouses have beensatisfied. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 12.06 | Expenses of      Termination.  n the event of the termination of the Plan,      the expenses incident thereto shall be a prior claim and lien upon the      assets of the Plan, and shall be paid or provided for prior to the      distribution of any benefits pursuant to Section  12.03. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 12.07 | Restriction on      Benefits.  otwithstanding any other provision of the      Plan, in the event of the complete termination of the Plan, the benefit of      any Highly Compensated Employee who is a Participant shall be limited to a      benefit that is nondiscriminatory under Code section 401(a)(4), determined      by applying the rules of Treasury Regulation Section      1.401(a)(4)-5(b). |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.01 | Payment to a Minor or      Incompetent. |
|-------|-----------------------------------------|

| (a) | If      any amount is payable hereunder to a minor or other legally incompetent      person, such amount may be paid in any one or more of the following ways,      as the Committee in its sole discretion shall  determine: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | to      the legal representatives of such minor or other incompetent      person; |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (2) | directly      to such minor or other incompetentperson; |
|--------|-----|---------------------------------------------------------|

|   | (3) | to      a parent or guardian of such minor or other incompetent person, to the      person with whom such minor or other incompetent person resides, or to a      custodian for such minor under the Uniform Gifts to Minors Act (or similar      statute) of any jurisdiction. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Payment      to any person in accordance with subsection (a) above shall, to the extent      of the payment, discharge the Company, the members of the Committee, the      Benefit Finance Committee, the Trustee and any person or corporation      making such payment pursuant to the direction of the Committee, and none      of the foregoing will be required to see to the proper application of any      such payment. Without in any manner limiting the provisions of this      Section 13.01, in the event that any amount is payable hereunder to a      minor or any other legally incompetent person, the Committee may in its      discretion utilize the procedures described in Section    13.02. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.02 | Doubt as to Right to      Payment.  If any doubt exists as to the right of any      person to any payment hereunder or the amount or time of such payment      (including, without limitation, any case of doubt as to identity, or any      case in which any notice has been received from any other person claiming      any interest in amounts payable hereunder, or any case in which a claim      from other persons may exist by reason of community property or similar      laws), the Committee will be entitled, in its discretion, to advise the      Benefit Finance Committee to direct the Trustee to hold such sum as a      segregated amount in trust until such right or amount or time is      determined or until order of a court of competent jurisdiction, or to pay      such sum into court in accordance with appropriate rules of law in such      case then provided, or to make payment only upon receipt of a bond or      similar indemnification (in such amount and in such form as is      satisfactory to the Committee). |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 13.03 | Spendthrift      Clause. |
|-------|--------------------------|

| (a) | Except      as otherwise provided by this Section 13.03, no benefit, distribution or      payment under the Plan may be anticipated, assigned (either at law or in      equity), alienated or subjected to attachment, garnishment, levy,      execution or other legal or equitableprocess. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Subsection      (a) above shall not apply to any Qualified Domestic Relations      Order. |
|-----|-------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      subsection (a), and to the extent not inconsistent with a Qualified      Domestic Relations Order, any person entitled to receive current benefits      under the Plan may instruct the Committee in writing to cause to be paid      on his behalf, out of his monthly benefit hereunder, the monthly premium      or other charge for coverage of himself and/or his family under any      hospital, surgical and/or medical plan or similar plan covering retired      employees of the Company or an Affiliate so long as such hospital,      surgical and/or medical plan remains in effect or until the Committee      receives a written notice from the retiree to cease doing      so.  After receipt of said instruction by the Committee, such      monthly payment shall be made and the amount thereof paid over to a      designated payee.  All payments so made shall, to the extent      thereof, constitute a discharge of the claim of the person otherwise      entitled thereto under the Plan, just as if such payment had been made      directly to him. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Notwithstanding      subsection (a), effective for judgments, decrees or orders issued, or      settlement agreements entered into, on or after August 5, 1997, a      Participant’s benefits under the Plan may be offset pursuant to a      judgment, decree, order, or settlement agreement which expressly provides      for the offset of all or part of the amount ordered or required to be paid      to the Plan against the Participant’s benefits provided under the Plan,      and such judgment, decree, order, or settlement agreement satisfies the      requirements of Section 401(a)(13)(C) of the  Code. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.04 | Benefits Payable Only      by Trustee.  All benefits payable under the Plan will be      paid or provided for solely from the assets of the Trust, and neither the      Company nor its directors, officers, employees or any member of the      Committee or the Benefit Finance Committee will have any liability or      responsibility therefor. Except as otherwise provided by law, the Company      does not assume any obligations under the Plan except those specifically      stated in the Plan. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.05 | Estoppel of      Participants and Their Beneficiaries; Discharge of      Liability. |
|-------|-------------------------------------------------------------------------------------|

| (a) | The      Company, the Committee, the Benefit Finance Committee, and the Trustee may      rely upon any certificate, statement or other representation made to them      by any employee, Participant or Spouse with respect to age, length of      service, leave of absence, date of cessation of employment, or other fact      required to be determined under any of the provisions of the Plan, and      will not be liable on account of the payment of any moneys or the doing of      any act in reliance upon any such certificate, statement or other      representation. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      the discretion of the Committee: |
|-----|------------------------------------------|

----

|   | (1) | any      such certificate, statement or other representation made by an employee,      Participant or Spouse shall be conclusively binding upon such employee,      Participant, or Spouse, and such employee, Participant or Spouse shall      thereafter and forever be estopped from disputing the truth and      correctness of such certificate, statement or other representation;      and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | any      such certificate, statement or other representation made by a      Participant’s Spouse shall be conclusively binding upon such person, and      such person shall thereafter and forever be estopped from disputing the      truth and correctness of such certificate, statement or other      representation. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | If      distribution in respect of a Participant is made under this Plan in a      form, or to a person, reasonably believed by the Committee or its delegate      to be proper (taking into account any document purporting to be a valid      consent of the Participant’s Spouse, or any representation by the      Participant that he is not married, or any election or revocation with      respect to form of payment) the Plan shall have no further liability with      respect to the Participant (or his Spouse) to the extent of such      distribution. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Notwithstanding      any other provision of the Plan, the Plan’s obligation to pay benefits      accrued by the Participant to any person shall be discharged to the extent      that the Committee or its delegate, acting in accordance with the      fiduciary standards of ERISA, makes payments on behalf of such Participant      in reliance on a Qualified Election or related consent (or a determination      that such consent is unnecessary) or revocation in respect      thereof. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.06 | Limitation of      Liability.  Except as provided in Section 9.08 hereof and      except to the extent otherwise provided by law, no liability shall attach      to or be incurred by any stockholder, officer or director of the Company      or any Affiliate, under or by reason of the terms, conditions and      provisions contained in the Plan, or for the acts or decisions taken or      made thereunder or in connectiontherewith. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.07 | Construction.  The      Plan is intended to constitute a qualified plan under Code section 401(a)      and to comply with applicable provisions of ERISA. Accordingly, the Plan      shall, at all times, be construed and administered in a manner consistent      with the requirements of the Code andERISA. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.08 | Gender and      Number.  Whenever applicable the masculine gender, when      used in the Plan, will include the feminine or neuter gender, and the      singular shall include the plural. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.09 | Notice of Address -      Inability to LocateDistributee. |
|-------|----------------------------------------------------------|

| (a) | Each      Eligible Employee and any other person entitled to benefits hereunder must      file with the Committee, in writing, his post office address and each      change of post office address. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Any      communication, statement, or notice addressed to such a person at his      latest post office address as filed with the Committee shall be binding      upon such person for all purposes of the Plan, and neither the Trustee nor      the Committee will be obliged to search for or to ascertain the      whereabouts of any such person. If the Trustee notifies him of the      provisions of this Section 13.09 and such person fails to claim his      benefits or make his whereabouts known to the Trustee within three years      thereafter, the benefit in respect of which such payment is to be made      shall be forfeited at such time as the Committee determines in its sole      discretion (but in all events prior to the time such benefit would      otherwise escheat under any applicable state law); provided, that any      benefit so forfeited shall be reinstated if such person subsequently makes      a valid claim for such benefit. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.10 | Data.  Any      person entitled to benefits under the Plan must furnish to the Committee,      the Benefit Finance Committee, or the Trustee such documents, evidence, or      information as the Committee, the Benefit Finance Committee or Trustee      considers necessary or desirable for the purpose of administering the      Plan, or to protect the Committee, the Benefit Finance Committee or      Trustee; and it is a condition of the Plan that each such person must      furnish promptly true and complete data, evidence, or information and sign      such documents as the Committee, the Benefit Finance Committee or Trustee      may require before any benefits become payable under the    Plan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.11 | Separability.  If      any provision of the Plan is held invalid or unenforceable, its invalidity      or unenforceability will not affect any other provisions of the Plan, and      the Plan will be construed and enforced as if such provision had not been      included therein. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.12 | Captions.  The      captions contained herein and the table of contents prefixed hereto are      inserted only as a matter of convenience and for reference and in no way      define, limit, enlarge or describe the scope or intent of the Plan nor      shall, in any way, affect the Plan or the construction of any provision      thereof. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.13 | Governing      Law.  The terms of the Plan shall be construed under the      laws of the State of Wisconsin (without regard to principles of conflicts      of laws) except to the extent such laws are preempted by Federal      law. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 13.14 | Right of Discharge      Reserved. |
|-------|-----------------------------------|

| (a) | The      establishment of the Plan shall not be construed to confer upon an      employee or Participant any legal right to be retained in the employ of      the Company or give any employee or any other person any right in respect      of amounts held by the Trustee or any payment whatsoever, except to the      extent of the benefits provided forhereunder. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | All      employees will remain subject to discharge to the same extent as if the      Plan had never been adopted, and may be treated without regard to the      effect such treatment might have upon them under the  Plan. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Nothing      in the Plan shall be deemed to be an agreement, consideration, inducement      or condition of employment. |
|-----|-------------------------------------------------------------------------------------------------------------------------|

----

| 13.15 | Adoption by      Affiliate.  Any subsidiary or other affiliate of Appleton      Papers Inc. which has become a “Company” as provided in Section 1.10(b) is      deemed to have designated Appleton Papers Inc. as its agent with respect      to amending or terminating the Plan. Any such action shall be binding on      such Company at the time taken, and Appleton Papers Inc. shall furnish      written notice thereof and a copy of any such amendment to each such      Company. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.01 | Purpose and      Definitions. |
|-------|-------------------------------|

| (a) | The      purpose of this Article 14 is to comply with the provisions of Code      Section 415.  All terms and provisions of this Article 14 shall      be interpreted and construed consistently with said      provisions.  The provisions of this Article 14 shall apply,      effective January 1, 1987, notwithstanding any contrary provision of the      Plan; provided, however, in the case of an Eligible Employee who was a      participant in one or more defined benefit plans of the Company or an      Affiliate as of January 1, 1987, the application of the limitations of      this Article 14 shall not cause the limitation imposed by Section 14.02(a)      for such individual under all such defined benefit plans to be less than      the individual’s accrued benefit as of January 1, 1987, so long as all      such defined benefit plans met the requirements of Section 415 of the Code      for all Limitation Years beginning before January 1,  1987. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of this Article 14 the following words and terms shall have the      meanings indicated: |
|-----|------------------------------------------------------------------------------------------------------------|

|   | (1) | Annual      Addition:  “Annual Addition” means the sum for any      Limitation Year of:  (i) employer contributions; (ii) employee      contributions; (iii) forfeitures, and (iv) amounts allocated to an      individual medical account, as defined in Section 415(l)(2) of the Code,      which is a part of a pension or annuity plan maintained by the      Company.  Also, amounts derived from contributions paid or      accrued after December 31, 1985 in taxable years ending after such date,      which are attributable to post-retirement medical benefits allocated to      the separate account of a key employee under a welfare benefit fund, as      defined in Section 419(e) of the Code, maintained by the Company or an      Affiliate, are treated as Annual Additions to a defined contribution      plan. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Current Accrued      Benefit:  “Current Accrued Benefit” means a Participant’s      accrued benefit under the Plan, determined as if the Participant had      separated from service as of December 31, 1986, when expressed as an      annual benefit within the meaning of Section 415(b)(2) of the      Code.  In determining the amount of a Participant’s Current      Accrued Benefit, the following shall be  disregarded: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | any      change in the terms and conditions of the Plan after May 5, 1986;      and |
|--------|-----|-------------------------------------------------------------------------------------|

|   | (B) | any      cost of living adjustments occurring after May 5,  1986. |
|--------|-----|-------------------------------------------------------------------|

----

|   | (3) | Percentage      Limit:  “Percentage Limit” means 100% of the      Participant’s average annual Earnings for the three consecutive years in      which he was both a Participant in the Plan and his Earnings were highest,      as such Earnings are adjusted from time to time to reflect increases in      the cost of living pursuant to the applicable regulations.  No      such adjustment shall be taken into account before the year for which such      adjustment first takes effect. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Dollar      Limit:  “Dollar Limit” means $90,000, as adjusted from      time to time beginning January 1, 1988  to reflect increases in      the cost of living pursuant to regulations prescribed by Section 415(d) of      the Code, or if greater, the Participant’s accrued benefit under the Plan      as of December 31, 1982.  No adjustment made pursuant to the      preceding sentence shall be taken into account before the year for which      such adjustment first takes effect.  Effective January 1, 2002,      but applicable for employees participating in the Plan who have one Hour      of Service on or after the first day of the first limitation year ending      after December 31, 2001, the “Dollar Limit” is $160,000, as      adjusted. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Earnings:  “Earnings”      for any Limitation Year means wages, salaries, and fees for professional      services and other amounts received (without regard to whether or not an      amount is paid in cash) for personal services actually rendered in the      course of employment with the Company or an Affiliate to the extent that      the amounts are includible in gross income (including, but not limited to,      commissions paid to salesmen, compensation for services on the basis of a      percentage of profits, commissions on insurance premiums, tips, bonuses,      fringe benefits, reimbursements and expenses allowances), and excluding      the following: |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | employer      contributions to a plan of deferred compensation which are not includible      in the employee’s gross income for the taxable year in which contributed,      or employer contributions under a simplified employee pension plan to the      extent such contributions are deductible by the employee, or any      distributions from a plan of deferred  compensation; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | amounts      realized from the exercise of a non-qualified stock option, or when      restricted stock (or property) held by the employee either becomes freely      transferable or is no longer subject to a substantial risk of      forfeiture; |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | amounts      realized from the sale, exchange or other disposition of stock acquired      under a qualified stock option; and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------|

|   | (D) | other      amounts which receive special tax benefits, or contributions made by the      employer (whether or not under a salary reduction agreement) toward the      purchase of an annuity described in Section 403(b) of the Code, (whether      or not the amounts are actually excludable from the gross income of the      employee). |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | For      years commencing on and after January 1, 1989, Earnings shall be limited      to the first $200,000 of earnings (as such amount may be adjusted from      time to time by the Secretary of the Treasury in a manner similar to      §415(d) of the Code), except the first adjustment to the $200,000      limitation shall be effected on January 1, 1990; and for each Plan Year      beginning on or after January 1, 1994, such limitation shall be $150,000      ($160,000, effective January 1, 1997), as adjusted.  Effective      January1, 2002, such limitation shall be $200,000, as      adjusted.  If the Plan determines Earnings on a period of time      that contains fewer than twelve calendar months, then the limitation on      Earnings is an amount equal to the annual Earnings limit for the calendar      year in which the Earnings period begins multiplied by the ratio obtained      by dividing the number of full months in the period by      twelve.  Prior to January 1, 1997, in determining the Earnings      of a Participant for purposes of this limitation, the rules of Section      414(q)(6) of the Code shall apply, except in applying such rules, the term      “family” shall include only the Spouse of a Participant and any lineal      descendants of the Participant who have not attained age 19 before the      close of the Plan Year.  If, as a result of the application of      such rules, the adjusted limitation is exceeded, then the limitation shall      be prorated among the affected individuals in proportion to each such      individual’s Earnings as determined under this Section 14.01(b)(5) prior      to the application of the limitation.  Effective January 1,      1997, such family aggregation rules shall not apply.  Effective      for Plan Limitation Years beginning on or after January 1, 1998,      “Earnings” for purposes of this Section 14.01(b)(5) shall include any      elective deferral (as defined in Section 402(g)(3) of the Code), any      amount which is contributed to or deferred by the Employer at the election      of the Employee and which is not includible in the gross income of the      Employee by reason of Section 125 or 457 of the Code, and, effective      January 1, 2001, any elective amounts that are not includible in the gross      income of the Employee by reason of Section 132(f) of the      Code. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | Limitation      Year:  “Limitation Year” shall mean the calendar      year. |
|--------|-----|---------------------------------------------------------------------------------------------------|

|   | (7) | Social Security      Retirement Age:  “Social Security Retirement Age” shall      mean age 65 in the case of a Participant attaining age 62 before January      1, 2000; age 66 for a Participant attaining age 62 after December 31,      1999, and before January 1, 2017; and age 67 for a Participant attaining      age 62 after December 31, 2016. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.02 | Limitation on Annual      Benefits. |
|-------|-------------------------------------|

| (a) | Normal Payment      Forms.  If a Participant’s Retirement Pension is payable      as a qualified joint and survivor annuity or an annuity for life only, the      annual amount of benefit payable to the Participant shall not exceed the      lesser of the Dollar Limit or the Percentage Limit.  For this      purpose, a “qualified joint and survivor annuity” means an annuity for the      life of the Participant with a survivor annuity for the life of the Spouse      which is not less than 50 percent and not more than 100 percent of the      amount of the annuity that is payable during the joint lives of the      Participant and the Spouse, and includes a  Qualified |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | Joint      and Surviving Spouse Annuity payable under Section 7.02 or an optional      form payable under Section 7.04. |
|--------|-------------------------------------------------------------------------------------------------------------------------|

| (b) | Other Payment      Forms.  If a Participant’s Retirement Pension is payable      in any form other than an annuity for life only or a qualified joint and      survivor annuity, the annual amount of benefit payable to the Participant      shall not exceed the Actuarial Equivalent of an annuity for life only      which does not exceed the lesser of the Dollar Limit or the Percentage      Limit.  In making such actuarial adjustment: (1) the actuarial      principles set forth in Section 1.04 of Appendix A to this Plan shall be      utilized (provided that the interest rate shall not be less than 5%); (2)      no adjustment shall be made for any ancillary benefit provided under the      Plan which is not directly related to retirement benefits, including,      without limitation, disability benefits, medical benefits, and      preretirement death benefits (including any such death benefit coverage      described in Article 6); and (3) no adjustment shall be required for the      value of post-retirement cost-of-living increases made in accordance with      Section 415(d) of the Code. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Employee      Contributions.  In determining the annual amount of      benefit, benefits derived from employee contributions shall be      disregarded. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Multiemployer      Plans.  Any benefits provided under any multiemployer      plan to which the Company or an Affiliate is a party shall be taken into      account under this Article 14 only to the extent that the benefits      provided under such plan exceed the benefits that would have been provided      under such plan if the Participant had no service with the Company or an      Affiliate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.03 | Adjustments for Early      or Late Payment. |
|-------|---------------------------------------------|

| (a) | Payments Starting      Before Age 62.  For limitation years ending after      December 31, 2002, if the Participant’s Retirement Pension commences prior      to age 62, the Dollar Limit applicable to the Participant at such earlier      age is an annual benefit payable in the form of a straight life annuity      beginning at the earlier age that is the actuarial equivalent of the      Dollar Limit applicable to the Participant at age 62 (adjusted under      Section 14.05, if required).  The Dollar Limit applicable at an      age prior to age 62 is determined as the lesser of (1) the equivalent      amount computed using the actuarial assumption in Paragraph 1.04 of Appendix A and      (2) the equivalent amount computed in accordance with the applicable      provisions of Section 5.05 (as modified by any Supplement      hereto).  Any decreases in the Dollar Limit determined in      accordance with this Section 14.03(a) shall not reflect a mortality      decrement if benefits are not forfeited upon the death of the      Participant.  If any benefits are forfeited upon death, the full      mortality decrement is taken intoaccount. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Payments Starting      After Age 65.  For limitation years ending after December      31, 2001, if a Participant’s Retirement Pension begins after age 65, the      Dollar Limit applicable to the Participant at the later age is the annual      benefit payable in the form of a straight life annuity beginning at the      later age that is actuarially equivalent to the Dollar Limit applicable to      the Participant at age 65 (adjusted under Section 14.05, if      required).  The actuarial equivalent of the Dollar Limit      applicable at an age after 65 is determined as  the |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | lesser      of (1) the lesser of the actuarial equivalent (at such age) of the Dollar      Limit computed using the interest rate and mortality table specified in      Paragraph 1.04 of Appendix A and      (2) the Dollar Limit computed using a 5% interest rate assumption and the      applicable mortality table as defined in Paragraph 1.04 of Appendix      A.  For these purposes, mortality between age 65 and the      age at which benefits commence shall beignored. |
|--------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.04 | Conditional Exemption      for Pensions Under $10,000.  The Percentage Limit shall      not be applicable to any Retirement Pension with respect to a Participant      for any year if (1) the annual amount of employer-provided retirement      benefits payable with respect to such Participant under this Plan and all      other defined benefit plans of the Company and Affiliates does not exceed      ten thousand dollars ($10,000) for such year or any prior year, and (2)      such Participant never participated in any defined contribution plan      maintained by the Company or anyAffiliate. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.05 | Participants with      Fewer than Ten Years ofService. |
|-------|--------------------------------------------------------|

| (a) | If      the Participant has less than 10 years of participation in the Plan, the      Dollar Limit shall be reduced by 1/10th for each year of participation (or      part thereof) less than 10.  If the Participant has less than 10      years of service with the Company and its Affiliates, the Percentage Limit      shall be reduced by 1/10th for each year of service (or part thereof) less      than 10.  The adjustments of this Section 14.05 shall be applied      in the denominator of the “defined benefit plan fraction” described in      Section 14.07(c) based upon years of service.  Years of service      shall include future years occurring before the Participant’s Normal      Retirement Age.  Such future years shall include the year which      contains the date the Participant reaches Normal Retirement Age, only if      it can reasonably be anticipated that the Participant will receive a year      of service for such year. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of this Section 14.05, a Participant shall be credited with a      year of participation (computed to fractional parts of a year) for each      accrual computation period for which the following conditions are      met: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | The      Participant is credited with at least the number of Hours of Service for      benefit accrual purposes, required under the terms of the Plan in order to      accrue a benefit for the accrual computation period,  and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | The      Participant is included as a Participant under the eligibility provisions      of the Plan for at least one day of the accrual computation      period.  If these two conditions are met, the portion of a year      of participation credited to the Participant shall equal the amount of      benefit accrual service credited to the Participant for such accrual      computation period.  A Participant who is permanently and      totally disabled within the meaning of Section 415(c)(3)(C)(i) of the Code      for an accrual computation period shall receive a year of participation      with respect to that period.  In no event will more than one      year of participation be credited for any 12-month  period. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.06 | Benefits Payable Under      More than one Defined Benefit Plan.  If benefits that are      subject to the limitations of Code Section 415 are payable under any other      defined benefit plan |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | maintained      by the Company or any Affiliate (whether or not terminated), the benefits      payable under this Plan, as limited by this Article 14, shall be subject      to further limitation in order that the amount of employer-provided      benefits payable under all defined benefit plans maintained by the Company      and all Affiliates shall not, in the aggregate, exceed the benefit      limitations described in this Article 14.  If reduction in the      benefits under such defined benefit plans in the aggregate is thus      required, such reduction shall be applied in the reverse order in which      benefits under such plans would otherwise accrue except as any such other      plan may otherwise expressly provide; provided, however, that benefits      under any multiemployer plan shall be reduced  last. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.07 | Participation in      Defined Contribution Plan. |
|-------|--------------------------------------------------|

| (a) | Combined      Limitation: If a Participant is (or was) active in one or more      defined contribution plans (whether or not terminated) maintained by the      Company or an Affiliate (including any plan so considered as a result of      any employee contributions to a defined benefit plan) the sum of his      Defined Contribution Plan Fraction (as defined in subsection (b) below)      and Defined Benefit Plan Fraction (as defined in subsection (c) below) as      of the close of any year shall in no event exceed 1.0.  In order      to prevent such sum from exceeding 1.0, benefits under this Plan shall be      reduced to the extent necessary for that purpose.  Such      reduction shall be made prior to any reduction of allocations of Annual      Additions under such defined contribution plans which would otherwise be      made in order to prevent such sum from exceeding  1.0. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Defined Contribution      Plan Fraction:  For purposes of this Section 14.07, a      Participant’s “Defined Contribution Plan Fraction” shall be determined as      follows: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Numerator.  For      any year, the numerator shall be the sum of the Annual Additions to the      Participant’s account(s) under all plans maintained by the Company or an      Affiliate in such year and in all prioryears. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Denominator.  For      any year, the denominator shall be the sum of the lesser of the following      amounts, determined for such year and for each prior year of service with      the Company and Affiliates as if the Participant were covered by a defined      contribution plan maintained by the Company or an Affiliated for all such      years, but not covered by any defined benefit plan for any such      year: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | one      hundred and twenty-five percent (125%) of the maximum dollar limitation      applicable to defined contribution plan allocations for such year (i.e.,      $25,000 for 1975 and prior years; for the years 1976, 1977, 1978, 1979,      1980, 1981 and 1982: $26,825, $28,175, $30,050, $32,700, $36,875, $41,500      and $45,475, respectively; for 1983 through 1987, $30,000; and for 1988      and thereafter, $30,000 as adjusted for cost-of-living increases in      accordance with applicable regulations),or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | thirty-five      percent (35%) of the Participant’s Earnings for such  year. |
|--------|-----|------------------------------------------------------------------------------------|

|   | (C) | in      computing the denominator of the Defined Contribution Plan Fraction for      any year ending after 1982 but before January 1, 1987, the      Committee |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | may      elect to determine the portion of such denominator which relates to years      ending before January 1, 1983 under the method described in Code Section      415(e)(6), in lieu of the method described above.  Such election      may be made at such time in such manner as may be provided in applicable      Treasury Regulations; and |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (D) | If      the Participant was a Participant as of January 1, 1987, in one or more      defined contribution plans maintained by the Company or an Affiliate which      were in existence on May 6, 1986, the numerator of the Defined      Contribution Plan Fraction will be adjusted if the sum of this fraction      and the Defined Benefit Plan Fraction would otherwise exceed 1.0 under the      terms of this Plan.  Under the adjustment, an amount equal to      the product of (1) the excess of the sum of the fractions over 1.0 times      (2) the denominator of the Defined Contribution Plan Fraction, will be      permanently subtracted from the numerator of the Defined Contribution Plan      Fraction.  The adjustment is calculated using the fractions as      they would be computed as of December 31, 1986, and disregarding any      changes in the terms and conditions of the plans made after May 5, 1986,      but using the Section 415 limitation applicable on and after January 1,      1987. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Defined Benefit Plan      Fraction:  For purposes of this Section 14.07, a      Participant’s “Defined Benefit Plan Fraction” shall be determined as      follows for any year: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Numerator.  The      numerator shall be the total projected annual benefit (as defined in Code      Section 415(b)(2)) of the Participant under all defined benefit plans      maintained by the Company or any Affiliate (whether or not terminated) as      of the close of such year, as determined for each such plan for purposes      of Code Section 415(e)(2)(A), disregarding benefits derived from employee      contributions. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Denominator.  The      denominator shall be the lesser of theamounts: |
|--------|-----|---------------------------------------------------------------------------------|

|   | (A) | one      hundred and twenty-five percent(125%) of the maximum dollar limitation      applicable to defined benefit plans for such year (i.e., the Dollar Limit      determined under Section 14.01(b)(4) above or corresponding provisions of      any other defined benefit plan), or |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | one      hundred forty percent (140%) of the Participant’s average annual Earnings      for the three (3) consecutive years in which his Earnings were highest      including any adjustments under Section 415(b) of the  Code. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Notwithstanding      the foregoing, |
|--------|-----|-------------------------------------|

----

|   | (A) | In      the case of a Participant who has fewer than the (10) years of service      (determined without regard to Section 4.06) in the aggregate with the      Company and all Affiliates (or their predecessor) at the time his      Retirement Pension starts, the 125% and 140% limitations referred to in      subparagraphs (2)(A) and (2)(B) above shall be reduced proportionately;      and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | If      the Participant was a Participant as of January 1, 1987, in one or more      defined benefit plans maintained by the Company or an Affiliate which were      in existence on May 6, 1986, the denominator of the Defined Benefit Plan      Fraction will not be less than 125% of the sum of the annual benefits      under such plans in which the Participant had accrued as of December 31,      1986, disregarding any changes in the terms and conditions of the plans      after May 5, 1986.  The preceding sentence applies only if the      defined benefit plans individually and in the aggregate satisfy the      requirements of Section 415 of the Code for all Limitation Years beginning      before January 1, 1987. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Prior Plan      Balances.  A defined contribution plan formerly      maintained by the Company or an Affiliate and subsequently merged directly      or indirectly into this Plan (or whose assets were, in whole or in part,      directly or indirectly transferred to this Plan) shall be taken into      account for purposes of this Section 14.07 if the Participant received any      benefits under such plan prior to such merger or transfer attributable to      contributions or forfeitures in respect of a period while such plan was      maintained by the Company or an Affiliate, or if his benefits under this      Plan are increased by reason of such merger or transfer.  In any      other case, the limitation of this Article 14 shall be the greater of (1)      the limitation determined by taking such plan into account as a defined      contribution plan for purposes of this Section 14.07 and by applying      Section 14.08 below to all of the benefits provided for the Participant by      assets transferred therefrom, or (2) the limitation determined by      disregarding such plan for purposes of this Section 14.07, but by applying      Section 14.08 below only to the portion of the benefits derived therefrom      that are attributable to the assets held therein immediately prior to the      date such plan was first maintained by the Company or an      Affiliate. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Repeal of Combined      Plan Limitation.  Effective January 1, 2000, the combined      plan limitation described in this Section 14.07 shall no longer apply to      the Plan.  Such repeal of the combined plan limitation shall      apply to all Employees participating in the Plan that have one Hour of      Service after January 1, 2000. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 14.08 | Benefits from      Transferred AssetsDisregarded. |
|-------|---------------------------------------------------|

| (a) | In      applying the limitations of this Article 14, there shall be disregarded      benefits provided under any plan taken into account hereunder (the      “transferee plan”) that are attributable to assets transferred directly or      indirectly from a predecessor plan.  For this purpose, the      benefit attributable to assets transferred from any such predecessor plan      shall be equal to the total benefit transferred by such plan to the      transferee plan, multiplied by a fraction, the numerator of which is the      total assets transferred and the denominator of which is the total      liabilities transferred. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | For      purposes of this Section 14.08, the term “predecessor plan” shall mean (1)      a defined benefit plan (or succession of such plans) formerly maintained      by an employer other than the Company or any Affiliate; provided, however,      that if such a predecessor plan became maintained by the Company or any      Affiliate prior to the transfer of assets to this Plan, the benefit that      is disregarded pursuant to this Section 14.08 shall be determined as if      such transfer occurred at the date that the predecessor plan was first      maintained by the Company or such Affiliate, or (2) a defined contribution      plan all or a part of whose assets were transferred to the Plan, but      subject to Section 14.07(d) above. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.01 | Plans Included in      Determination of “Top Heavy”Status. |
|-------|------------------------------------------------------------------------|

| (a) | For      purposes of this Article 15, “Applicable Plans” shall    include: |
|-----|----------------------------------------------------------------------------------------|

|   | (1) | each      plan of the Company or any Affiliate in which a Key Employee (as defined      in Section 15.02 for this Plan, and as defined in Code section 416(i) for      each other Applicable Plan) participates;and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | each      other plan of the Company or any Affiliate which enables any plan      described in Paragraph (l) above to meet the requirements of Code sections      401(a)(4) and 410. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Any      plan not required to be included under subsection (a) above may also be      included, at the option of the Company, provided that the requirements of      Code sections 401(a)(4) and 410 continue to be satisfied for the group of      Applicable Plans after suchinclusion. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Applicable      Plans may include terminated plans, frozen plans, and to the extent that      benefits are provided with respect to service with the Company or an      Affiliate, multiemployer plans (described in Code section 414(f)) and      multiple employer plans (described in Code section 413(c)) to which the      Company or an Affiliate makescontributions. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.02 | “Key      Employee”. |
|-------|----------------------------------|

| (a) | Effective      January 1, 2002, for purposes of this Article 15, “Key Employee” means any      employee or former employee (including any deceased employee) who at any      time during the Plan Year that includes the determination date was (1) an      officer of the Company or an Affiliate having annual compensation greater      than $130,000 (as adjusted under Code section 416(i)(1) for Plan Years      beginning after December 31, 2002), (2) a 5-percent owner of the Company,      or (3) a 1-percent owner of the Company having annual compensation of more      than $150,000.  For this purpose, annual compensation means      compensation within the meaning of Code section 415(c)(3).  The      determination of who is a Key Employee will be made in accordance with      Code Section 416(i)(1) and the applicable regulations and other guidance      of general applicability issuedthereunder. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (b) | Prior      to January 1, 2002, for purposes of this Article 15, “Key Employee” means      an employee (including a former employee, whether or not deceased) of the      Company or an Affiliate who, at any time during a given Plan Year or any      of the four (4) preceding Plan Years, is in one or more of the following      categories: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | An      officer of the Company or an Affiliate having “Compensation” (as defined      in Code section 414(q)(7)), greater than 50% of the maximum dollar      limitation described in Section 14.01(b)(3) for any such Plan Year;      provided, that the number of employees treated as officers shall be no      more than fifty or, if fewer, the greater of three employees or 10% of the      employees (including “Leased Employees” as described in Section 16.01),      exclusive of employees described in Code section  414(q)(8). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | One      of the ten (10) employees (A) having Compensation of more than the maximum      dollar limitation for defined contribution plans in effect under Code      section 415(c) (1)(A) and (B) owning (or considered as owning, within the      meaning of Code section 416(i)) the largest percentage interests in value      of the Company or an Affiliate, provided, that such percentage interest      exceeds one-half percent in value. If two employees have the same interest      in the Company or an Affiliate, the employee having the greater      Compensation shall be treated as having the larger    interest. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | A      person owning or considered as owning, within the meaning of Code section      416(i), more than five percent (5%) of the outstanding stock of the      Company or an Affiliate, or stock possessing more than five percent (5%)      of the total combined voting power of all stock of the corporation (or      having more than five percent (5%) of the capital or profits interest in      the Company or any Affiliate that is not a corporation, determined under      similar principles). |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | A      one-percent (1%) owner of the Company or an Affiliate having Compensation      of more than $150,000. “One-percent owner” means any person who would be      described in Paragraph (3) above if “one percent (1%)” were substituted      for “five percent (5%)” in each place where it appears      therein. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.03 | “Top Heavy”      Test.  In any Plan Year beginning January 1, 1984 or      thereafter during which the sum, for all Key Employees (as defined in      Section 15.02 for this Plan and as defined in Code section 416(i) for each      other Applicable Plan) (and their beneficiaries) of the present value of      the cumulative accrued benefits under all Applicable Plans which are      defined benefit plans (determined based on the actuarial assumptions set      forth in Appendix A to this Plan) and the aggregate of the accounts under      all Applicable Plans which are defined contribution plans, exceeds sixty      percent (60%) of a similar sum determined for all participants in such      plans (but excluding participants who are former Key Employees), the Plan      shall be deemed “Top Heavy.” Solely for purposes of determining whether      this Plan or any other Applicable Plan is “Top Heavy” for a given Plan      Year, the accrued benefit of a participant other than a Key Employee shall      be determined under (A) the method, if any, that uniformly applies for      accrual purposes under all defined benefit plans maintained by the Company      or any Affiliate, or (B) if |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | there      is no such method, as if such benefit accrued not more rapidly than the      slowest accrual rate permitted under the fractional rule of Code section      411(b)(1)(C). |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.04 | Determination      Dates.  The determination as to whether this Plan is “Top      Heavy” for a given Plan Year shall be made as of the last day of the      preceding Plan Year (the “Determination Date”); and other plans shall be      included in determining whether this Plan is “Top Heavy” based on the      determination date for each such plan which occurs in the same calendar      year as such Determination Date for thisPlan. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.05 | Valuation.  The      value of account balances and the present value of accrued benefits for      each Applicable Plan will be determined, subject to Code section 416 and      the regulations thereunder, as of the most recent valuation date that      falls within or ends with the 12-month period ending on the applicable      Determination Date for such plan if it is a defined contribution plan and      the most recent valuation date used for determining such plan’s minimum      funding requirements occurring during the 12-month period ending on the      applicable Determination Date if it is a defined benefit    plan. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.06 | Distribution within      Five Years.  Distributions from the Plan or any other      Applicable Plan during the 5-year period ending on the applicable      determination date shall be taken into account in determining whether the      Plan is “Top Heavy.”  Effective January 1, 2002, this Section      15.06 shall be applied by substituting “1-year period” for “5-year period”      except in the case of a distribution made for a reason other than      separation from service, death, ordisability. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.07 | No Service Within Five      Years.  For plan years beginning on or after January 1,      1985, benefits and distributions under this Plan or any other Applicable      Plan shall not be taken into account with respect to any individual who      has not performed any services for the Company or an Affiliate at any time      during the 5-year period ending on the applicable determination      date.  Effective January 1, 2002, this Section 15.07 shall be      applied by substituting “1-year period” for “5-year    period.” |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.08 | Compliance With Code      Section 416.  The calculation of the “Top Heavy” ratio,      and the extent to which distributions, amounts attributable to rollovers      or similar transfers to and from this Plan or any other Applicable Plan      shall be taken into account in accordance with applicable      regulations. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.09 | Beneficiaries.  The      terms “Key Employee” and, for purposes of this Article 15, “participant”      include their beneficiaries. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 15.10 | Provisions Applicable      in “Top Heavy” Years. |
|-------|--------------------------------------------------------------|

| (a) | For      any Plan Year in which the Plan is deemed to be “Top Heavy,” the following      provision shall apply: |
|-----|-----------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Minimum      Accrued Benefits. |
|--------|-----|--------------------------------|

|   | (A) | The      accrued benefit derived from employer contributions under the Plan of each      Participant who is not a Key Employee, expressed as an    annual |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | benefit      in single life annuity form beginning at Normal Retirement Date, shall be      at least (i) two percent (2%) of the average of such Participant’s      Earnings (as defined in Section 14.01(b)(5)) not in excess of the limits      under Code section 401(a)(17) for the 5 calendar years in which such      average is highest (excluding any such year after the Plan ceased to be      “Top Heavy”) multiplied by (B) the number of Plan Years beginning on or      after January 1, 1984 during which the Plan is “Top Heavy” and he has at      least 1,000 Hours of Service, but not more than ten  years. |
|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | The      foregoing provisions of this paragraph (1) shall apply before the      corresponding provision of any Applicable Plan that is a defined      contribution plan, and shall, to the extent necessary or appropriate, be      deemed satisfied in whole or in part by benefits to the Participant      provided under any other Applicable Plan, including without limitation,      the actuarial equivalent of accumulated account balances under any defined      contribution plans. A Participant’s accrued benefit, determined as of the      last day of any Plan Year in which the Plan ceases to be “Top Heavy,”      shall not be reduced because the Plan ceased to be “Top      Heavy.” |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | Effective      January 1, 2002, for purposes of satisfying the minimum benefit      requirements of Code section 416(c)(1) and the Plan, in determining years      of service with the Company, any service with the Company shall be      disregarded to the extent that such service occurs during a Plan Year when      the Plan benefits (within the meaning of section 410(b) of the Code) no      Key Employee or former KeyEmployee. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Adjustment      of Combined Limits. Except as otherwise provided by law, the percentage      “125%” in Sections 14.07(b)(2) and 14.07(c)(2) shall become “100%” unless      the following conditions are met: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | percentage      described in Section 15.03 does not exceed ninety percent (90%);      and |
|--------|-----|-------------------------------------------------------------------------------------------|

|   | (B) | the      Company amends Section 15.10(a)(1) to substitute “three percent (3%)” for      “two percent (2%)” therein. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Any      Participant shall be vested in his accrued benefit derived from employer      contributions on a basis at least as favorable as is provided under the      following schedule: |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Vesting Service        | Percentage Vested |
|------------------------|-------------------|
| Less      Than 3 Years | 0%                |
| 3      Years or More   | 100%              |

| 15.11 | Represented      Employees.  Sections 15.10(a)(1) and (3) shall not apply      to any employee included in a unit of employees covered by a collective      bargaining agreement, if retirement benefits are the subject of good faith      bargaining. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.01 | Definitions.  For      purposes of this Article 16, the term “Leased Employee” means any person      performing services for the Company or an Affiliate (hereinafter referred      to as the “Recipient”) pursuant to an agreement between the Recipient and      any other person (hereinafter referred to as the “Leasing Organization”),      who has performed such services for the Recipient (including persons      related to the Recipient within the meaning of Code section 103(b)(6)(c))      on a substantially full-time basis for a period of at least one year, if      such services are performed under primary direction or control by the      Recipient. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.02 | Treatment of Leased      Employees.  For purposes of this Plan, a Leased Employee      shall be treated as an employee of the Company, but not an Eligible      Employee of the Company.  A Leased Employee’s service with the      Recipient (including service prior to the effective date of this Article      16) shall be taken into account in determining his compliance with the      service requirements of the Plan relating to participation and vesting      should he ever become an Eligible Employee (but not for purposes of      determining the amount of his benefits, his entitlement to retirement      subsidies or ancillary benefits, or any purpose other than participation      and vesting). |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.03 | Exception for      Employees Covered by Plans of Leasing      Organization.  Section 16.02 shall not apply to any      Leased Employee if such employee is covered by a money purchase pension      plan of the Leasing Organization meeting the requirements of Code section      414(n)(5) and Leased Employees do not constitute more than 20% of the      aggregate “nonhighly compensated workforce” (as defined in Code section      414(n)(5)(C)(ii)) of the Company andAffiliates. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 16.04 | Construction.  The      purpose of this Article 16 is to comply with the provisions of Code      section 414(n). All provisions of this Article 16 shall be construed      consistently therewith, and, without limiting the generality of the      foregoing, no individual shall be treated as a Leased Employee except as      required under such section. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| 1.01 | 50% Joint and      Surviving Spouse Annuity. |
|------|----------------------------------------------|

|   | (1) | Interest.      8%. |
|--------|-----|--------------------|

|   | (2) | Mortality. The      1983 Group Annuity Mortality Table for males for the participants and the      1983 Group Annuity Mortality Table for females for the    spouse. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.02 | 75% Joint and      Surviving Spouse Option. |
|------|---------------------------------------------|

|   | (1) | Interest.      8%. |
|--------|-----|--------------------|

|   | (2) | Mortality. The      1983 Group Annuity Mortality Table for males for the participants and the      1983 Group Annuity Mortality Table for females for the    spouse. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.03 | 100% Joint and      Surviving Spouse. |
|------|---------------------------------------|

|   | (1) | Interest.      8%. |
|--------|-----|--------------------|

|   | (2) | Mortality. The      1983 Group Annuity Mortality Table for males for the participants and the      1983 Group Annuity Mortality Table for females for the    spouse. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | APPENDIX      A- |   |
|--------|------------------|--------|

----

| 1.04 | Code      Section 415 Limits. |
|------|-------------------------------|

| (a) | For      purposes of adjusting the maximum dollar limitations on annual benefits      under Article 14, the following factors shall be  used: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest: |
|--------|-----|-----------|

|   | (A) | For      Retirement Pensions commencing before age 62, 5% shall be      used. |
|--------|-----|-------------------------------------------------------------------------------|

|   | (B) | For      Retirement Pensions commencing after Social Security Retirement Age, the      lesser of 5% or the interest rate described in Section 1.08(a)(1) below      shall be used.  Effective for payments made on or after July 1,      1996, the lesser of 5% or the interest rate described in Section      1.06(a)(1) shall be used for Retirement Pensions commencing after Social      Security Retirement Age. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Mortality: The      1983 Group Annuity Mortality Table (males, 3 year      setback).  Effective for payments made on or after July 1, 1996,      the mortality table specified in IRS Revenue Ruling 95-6, or such      mortality table as is promulgated to specifically supersede such      table. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| 1.05 | Reemployed Pensioners,      etc. |
|------|----------------------------------|

| (a) | For      purposes of increasing a Participant’s Retirement Pension to reflect the      value of excess Missed Payments as provided in Plan Section 7.09(a) and      for reducing the pension of a Participant who had previously received      benefits from an Affiliate or under another plan of the Company, as      provided under Plan Section 5.07, the following factors shall be      used: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  8.00% |
|--------|-----|----------------------------|

|   | (2) | Mortality: The      1983 Group Annuity Mortality Table (males, 3 year  setback). |
|--------|-----|----------------------------------------------------------------------------------|

| 1.06 | Small      Benefits. |
|------|----------------------|

| (a) | For      payments made on and after July 1, 1996, the following factors shall be      used for purposes of determining the value of amounts paid under Section      7.07(b): |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest and      Mortality: |
|--------|-----|------------------------------|

|   | (A) | Interest:  The      interest rates on 30-year Treasury Constant Maturities published monthly      in Federal Reserve Release G.13 and H.15, or in such other release or      guidance as is promulgated to specifically supersede such      Release.  The rate for the Plan Year shall be an average of the      daily rates for the month preceding the first day of the Plan      Year. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Mortality:  The      mortality table specified in IRS Revenue Ruling 95-6, or such mortality      table as is promulgated to specifically supersede such    table. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | APPENDIX      A- |   |
|--------|------------------|--------|

----

|   | (2) | Expected Retirement      Age:  For distributions to Participants who terminate      prior to their Earliest Retirement Age - Age 65; for all others, their age      upon actual retirement. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| 1.07 | Partial      Termination. |
|------|---------------------------|

| (a) | For      purposes of determining the amount of Plan assets necessary to fund the      benefits of Participants affected by a partial termination of the Plan      under Section 12.02(b), the following factors shall be used, effective      January 1, 1990: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest and      Mortality: The interest rate(s) (immediate or deferred, as the case      may be) that would be used (as of the first day of the Plan Year in which      the Pension Commencement Date occurs) by the Pension Benefit Guaranty      Corporation to determine the present value of a lump sum distribution on      plan termination; and the 1983 GAM Table for males set back three      years. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Expected Retirement      Age: For distribution to Participants who terminate prior to their      Earliest Retirement Age - age 65; for all others, their age upon actual      termination. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | All Other      Equivalencies. |
|-----|-------------------------------|

| (c) | For      purposes of all other calculations not expressly set forth in the Plan,      the following shall be used: |
|-----|--------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest: The      interest rate shall be equal to the average of interest rates used by the      Pension Benefit Guaranty Corporation for each month during the calendar      quarter immediately preceding the calendar quarter of payment (if paid as      a lump sum) or of commencement of payment (if paid as an annuity), such      average rate rounded to the nearest multiple of  .25%. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Mortality: The      1983 Group Annuity Mortality Table (males, 3 year  setback). |
|--------|-----|----------------------------------------------------------------------------------|

|   | (3) | Expected Retirement      Age: For a Participant other than a Rule of 65 Retiree who      terminates prior to his Earliest Retirement Age - age 65; for a Rule of 65      Retiree who terminates prior to his Earliest Retirement Age - age 65; and      for any other Participant - age at Pension Commencement    Date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | APPENDIX      A- |   |
|--------|------------------|--------|

----

| A1.01 | Special Definitions.      For purposes of this SupplementA: |
|-------|-------------------------------------------------------------|

| A1.02 | Special Single Sum      Settlement. A Pre-1966 Participant may, in lieu of receiving his      entire Retirement Pension in the form of an annuity, elect to receive      reduced annuity payments plus a single sum payment of his Pre-1966      Accumulations. The single sum payment must be made as of the Pension      Commencement Date of the Participant’s reduced annuity      payments.  Effective January 1, 1985, an election to receive      this single sum payment must be a Qualified  Election. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| A1.03 | Offset for Single Sum      Payment. The Retirement Pension determined under (or with respect      to) Section 5.01 shall be reduced in the case of Participant who elects to      receive his Pre-1966 Accumulations in a single sum payment by the      Actuarial Equivalent of his Pre-1966 Accumulations determined by using the      interest and mortality factors specified under Section 1.08 (effective      July 1, 1996, Section 1.06) of Appendix A (or corresponding provisions of      the Plan as in effect at the time ofreference). |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| A1.04 | Effective Date.      The provisions of this Supplement A are effective January 1,      1976. |
|-------|----------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      A- |   |
|--------|--------------------|--------|

----

| B1.01 | Service with      Glatfelter. |
|-------|-------------------------------|

| (a) | Except      as provided under subsection (b) below, service with P.H. Glatfelter      Company (“Glatfelter”) shall not be taken into account for any purpose      under the Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Notwithstanding      any other provision of the Plan, an Eligible Employee who was employed by      Glatfelter shall receive Vesting Service for the period prior to September      11, 1984 equal to his “Years of Service” as of September 10, 1984 under      either of Glatfelter’s  Salaried Employees’ Retirement Plan (as      amended) or Pension Plan for Salaried Employees and shall have such period      aggregated with his Benefit Service solely for purposes of determining      whether such an employee satisfies the requirements for being a Rule of 65      Retiree as defined in Section 1.36. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| B1.02 | Benefit Service Upon      Transfer to Eligible Employment. If a former Glatfelter employee      who participated in the Paper Industry Union-Management Pension Fund      (“PIUMPF”) after September 10, 1984 transfers to employment as an Eligible      Employee, then, notwithstanding Section 4.04(a)(2), he shall be credited      with Benefit Service for service as an hourly employee at the West      Carrollton, Ohio location of the Company on or after September 11, 1984 as      if such service were service as an Eligible Employee. In such a case, the      Retirement Pension earned with respect to such deemed Benefit Service      shall be offset by benefits provided under PIUMPF with respect to such      service as provided under Section 5.07 (Non-Duplication of      Benefits) |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      B- |   |
|--------|--------------------|--------|

----

| C1.01 | Special Definitions.      For purposes of this SupplementC: |
|-------|-------------------------------------------------------------|

| C1.02 | Merger Effective      January 1. 1989.  Effective as of January 1, 1989, the      Portage Plan shall be merged into thisPlan. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------|

| C1.03 | Transfer of Trust      Funds. The trust fund under the Portage Plan shall be deemed merged      into and to be a part of the trust fund under the Plan effective as of      January 1, 1989. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C1.04 | Transfer of      Benefit Obligations from Portage Plan. All persons having an      interest under the Portage Plan prior to January 1, 1989 shall, on and      after January 1, 1989, be entitled to benefits determined solely under      this Plan, in lieu of any and all interest which they had or may have had      under such Portage Plan. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C1.05 | No Acceleration of      Vesting. In no event shall the merger of the Portage Plan into this      Plan operate to accelerate any person’s vested interest in his accrued      benefit under the Portage Plan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      C- |   |
|--------|--------------------|--------|

----

| C1.06 | Effect of      Restatement. The Basic Plan was restated, effective January 1,      1989, except as otherwise expressly provided or as otherwise required by      law. Amendments to provisions of the restated Basic Plan which were made      to conform the Basic Plan to changes in the law and which were effective      prior to January 1, 1989, shall be deemed to have been made in the same      manner and effective as of the same time to the corresponding provisions      of the Portage Plan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C2.01 | Eligible      Employees. The term “Eligible Employee” under the Plan shall      include a Portage Employee; provided, however, that no one shall be      treated as an Eligible Employee for any period prior to January 1, 1989 by      reason of this Section C2.01. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C2.02 | Preservation of      Portage Plan Benefit. The Retirement Pension to which a vested      Portage Employee is entitled under this Plan shall not be less than the      amount of his “Retirement Pension” under the Portage Plan (including      Sections 5.02(b) and 5.03(b) thereof) determined as of the earlier of his      Termination of Employment or death and December 31,  1988. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C2.03 | Benefit      Service. Notwithstanding Section 4.04, in determining the      Retirement Pension payable with respect to a Portage Employee who is an      Eligible Employee by reason of Section C2.01 and who has met the      requirements to be a Participant under Section 2.01, all his service under      the Portage Plan prior to January 1, 1989 credited for benefit accrual      purposes shall be treated as Benefit Service under this    Plan. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| C2.04 | Disability. For      purposes of Section 5.04, an Eligible Employee who is a Portage Employee      shall be treated as having incurred a Disability during any period such      employee is entitled to benefits under (a) a long-term disability plan or      any other program that provides disability payments maintained by the      Company or (b) is entitled, prior to his Social Security Retirement Age,      to disability benefits under Social Security (including any period      constituting the Social Security 6-month elimination    period). |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      C- |   |
|--------|--------------------|--------|

----

| D1.01 | East      Shore Chemical Co., Inc. (ESCO), a wholly owned subsidiary of Appleton      Papers Inc. shall be treated as a Company under the Plan and Trust      Agreement, effective as of January 1,1987. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| D1.02 | A      salaried employee of ESCO may be treated as an Eligible Employee on or      after January 1, 1987, without regard to his participation in the Eat      Shore Chemical Co., Inc. Profit Sharing Plan, but shall not be credited      with any Benefit Service for any period prior to January 1,      1987. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| D1.03 | Subject      to the provisions of Article IV of the Plan, a Participant who is an      employee of ESCO shall receive Vesting Service for the period prior to      January 1, 1987 equal to his “Years of Vesting Service” under the East      Shore Chemical Co., Inc. Profit Sharing Plan as determined under Section      5.2(c) thereof as of December 31,1986. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      D- |   |
|--------|--------------------|--------|

----

| E1.01 | Special      Definitions. |
|-------|---------------------------|

| (a) | Newton      Falls Plan:  The term “Newton Falls Plan” means the Stora      Papyrus Newton Falls, Inc. Retirement Plan, as in effect immediately prior      to its merger into this Plan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | API      Non-Bargaining Unit Plan:  The term “API Non-Bargaining Unit      Plan”, as well as references in this Supplement E to the “Plan”, means the      Appleton Papers Inc. Retirement Plan for Non-Bargaining Unit      Employees. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Newton      Falls Employee:  The term “Newton Falls Employee” means any      employee who has received remuneration for services rendered to Newton      Falls Inc. (prior to June 19, 1995, “Stora Newton Falls, Inc.”), prior to      January 1, 1996, and is employed by Newton Falls Inc. on and after January      1, 1996. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E1.02 | Effective      Date.  The effective date of the merger of the Newton      Falls Plan into the API Non-Bargaining Unit Plan is January 1,      1996. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E1.03 | Transfer of Trust      Assets and Liabilities.  The assets and liabilities      constituting the trust fund under the Newton Falls Plan shall be merged      into and to become a part of the trust fund under the API Non-Bargaining      Unit Plan, effective January 1,1996. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      E- |   |
|--------|--------------------|--------|

----

| E1.04 | Transfer of Benefit      Obligations from Newton Falls Plan.  All Participants and      beneficiaries having a beneficial interest in or with respect to the      Newton Falls Plan on or as of January 1, 1996, shall, on and after January      1, 1996, look solely to the API Non-Bargaining Unit Plan for such      benefits, in lieu of any and all interest they had or may have had with      respect to the Newton Falls Plan. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E1.05 | No Acceleration of      Vesting.  In no event shall the merger of the Newton      Falls Plan into this Plan operate to accelerate any Participant’s vested      interest in an Accrued Benefit under the Newton Falls Plan, subject in all      events to the requirements of Internal Revenue Code Section      411(a)(10). |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E1.06 | Effect of Compliance      Amendments.  The API Non-Bargaining Unit Plan was amended      on December 16, 1994 (with effect, as and where applicable, from January      1, 1989, to comply with the 1986 Tax Reform Act); such amendments which      were made to conform the Plan to the law shall be deemed to have been made      in the same manner and effective as of the same time with respect to the      corresponding provisions of the Newton Falls Plan prior to the      merger. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E2.01 | Participation.  Effective      January 1, 1996, the term “Participant” shall include employees of Newton      Falls Inc. who were Participants (or beneficiaries) under the Newton Falls      Plan as of December 31, 1995; Eligible Employees who are employees of      Newton Falls Inc. and whose Employment Date is January 1, 1996 or later      shall become Participants in the Plan as set forth in Article 2      thereof. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E2.02 | Retirement      Pension. |
|-------|--------------------------|

| (a) | The      Retirement Pension to which a Participant who, prior to January 1, 1996,      had an Accrued Benefit under the Newton Falls Plan, and who is actively      employed by Newton Falls Inc. or the Company on and after January 1, 1996,      shall be entitled a Retirement Pension equal to the greater      of: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | the      Participant’s Accrued Benefit under the Newton Falls Plan (as defined in      Section 4.2 thereof), as of December 31, 1995, (referred to as the “Newton      Falls minimum benefit”); and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | the      applicable Retirement Pension calculated under Article 5 of the Plan,      determined by treating Years of Service earned under the Newton Falls Plan      through December 31, 1995 as years of Benefit Service under the      Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | In      no event shall the Retirement Pension of a Participant who had an Accrued      Benefit under the Newton Falls Plan be less than the amount of such      Participant’s Accrued Benefit thereunder, calculated as of the earlier of      such Participant’s Termination of Employment and December 31, 1995, and      subject to the requirements of CodeSection |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      E- |   |
|--------|--------------------|--------|

----

|   | 411(d)(6)      relating to the preservation of a Participant’s accrued benefit, and the      regulations promulgated thereunder. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------|

| E2.03 | Vesting.  Accrued      Benefits of Newton Falls Employees that are vested as of December 31, 1995      shall remain fully vested and nonforfeitable upon merger of the      plans.  Participants who are not vested as of December 31, 1995,      must satisfy the vesting requirements of Articles IV and V of this Plan      for Plan years commencing on and after January 1, 1996.  Years      of Service earned under the Newton Falls Plan for vesting purposes prior      to the merger of the plans shall continue to credited under this      Plan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| E2.04 | Disability.  A      Participant who is a Newton Falls Employee shall be eligible for a      Disability Retirement Pension under Plan Section 5.04 only if such      Participant is actively employed (or is on short-term disability) by      Newton Falls Inc. or the Company on and after January 1, 1996, and      thereafter becomes entitled to benefits under a long-term disability plan      maintained by Newton Falls Inc. or the Company, subject to the further      provisions of said Plan Section 5.04.  A Newton Falls Employee      who is on long-term disability as of January 1, 1996, and who does not      return to active employment thereafter, shall not be entitled to a      Disability Retirement Pension under this Plan in any  event. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      E- |   |
|--------|--------------------|--------|

----

| F1.01 | Withdrawal of Appleton      Coated LLC. |
|-------|-----------------------------------------|

| (a) | Appleton      Coated LLC (“Appleton Coated”) shall withdraw as, and cease to be, an      entity included within the “Company” under the Plan as of the date of      closing under a purchase agreement dated July 5, 2001, whereby Appleton      Coated ceased to be a member of a group of businesses under common      control, as defined in Code Sections 414(b) and (c) (the “Closing      Date”).  The withdrawal of Appleton Coated from the Plan shall      be governed solely by the provisions of this Supplement F, notwithstanding      any contrary provision of the Plan.  No benefits, vesting or      service shall accrue or be credited under the Plan after the Closing Date      with respect to employment with Appleton Coated.  On and after      the Closing Date, no Covered Employee shall be entitled to receive payment      of any benefits under the Plan on account of the withdrawal of Appleton      Coated from the Plan, except as provided in Section  F1.04. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | For      purposes of this Supplement F, “Covered Employee’ means:  (1)      such employees and former employees (and their beneficiaries) as are      listed in Schedule I attached hereto, and (2) Eligible Employees employed      by Appleton Coated as of the Closing Date who had not yet satisfied the      participation requirements of Section 2.01 of the      Plan.  “Continued Employees” means employees who are employed by      Appleton Coated as of the ClosingDate. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| F1.02 | Transfer of Assets and      Liabilities.  Effective as of the last day of the month      in which the Closing Date occurs, the Plan shall transfer to a plan      maintained by Appleton Coated (“Appleton Coated’s Plan”) in which Covered      Employees participate, the Transfer Amount determined under Section F1.03      and all liability and responsibility for benefits under the Plan in      respect of Covered Employees (except for any benefit payments made by the      Plan with respect to Covered Employees on and after the Closing Date and      prior to the transfer of the Transfer Amount to Appleton Coated’s Plan, as      provided in Section F1.04).  As soon as practicable after the      determination of the Transfer Amount, the Committee shall direct the      trustee of the Plan to transfer assets having a fair market value equal to      the Transfer Amount to the trustee (or other funding agent) of Appleton      Coated’s Plan.  Transferred assets shall be comprised of a      prorated interest in each investment fund or other asset held in the      Appleton Papers Inc. Master Trust, except as otherwise specifically agreed      by the Committee and AppletonCoated. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| F1.03 | Determination of      Transfer Amount. |
|-------|----------------------------------------|

| (a) | The      Transfer Amount shall be the sum of (i) the aggregate actuarial present      value of the accrued benefit liabilities under the Plan for Covered      Employees on a termination basis, |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      F- |   |
|--------|--------------------|--------|

----

|   | calculated      as of the last day of the month in which the Closing Date occurs (the      “Valuation Date”), by using the actuarial assumptions specified in      Treasury Regulation Section 1.414(l)-1(b)(9), and by crediting Continued      Employees with Benefit Service for the 2001 Plan Year through the Closing      Date (whether or not such employee has been credited with the Hours of      Service ordinarily required in order to accrue a benefit for the 2001 Plan      Year) (the “Closing Pension Liability” for Covered Employees), plus (ii) a      Pro-rata Share of Surplus Assets.  Surplus Assets shall equal      the excess (if any) of the fair market value of assets of the API Plan on      the Valuation Date, over the Closing Pension Liability for all current and      former employees (and their beneficiaries) covered under the API      Plan.  Pro-rate Share means the percentage determined by      dividing (A) the Closing Pension Liability for Covered Employees by (B)      the Closing Pension Liability for all current and former employees (and      their beneficiaries) covered under the API Plan immediately prior to      Closing. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | The      Transfer Amount shall be adjusted for market performance from the      Valuation Date to the date of the transfer of assets, and reduced by the      amount of payments made pursuant to Section F1.04  hereof. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | In      no event will the amount transferred be less than the amount required      under Code Section 414(l).  To the extent the Closing Pension      Liability for all current and former employees (and their beneficiaries)      covered under the API Plan is greater than the fair market value of API      Plan assets on the Valuation Date, the Transfer Amount shall be reduced in      accordance with Code Section414(l). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| F1.04 | Payment of Benefits -      Administration of Plan Prior toTransfer. |
|-------|---------------------------------------------------------------------|

| (a) | During      the period from the Closing Date until the transfer described in Section      F1.02, (1) the payment of current benefits in respect of Covered Employees      following the Closing Date may be made under such arrangements as Appleton      Coated and the Company agree upon as reasonable and appropriate, and (2)      the interests of Covered Employees in the Plan and the assets attributable      to such interests shall continue to be administered for the benefit of the      Covered Employees in the Plan and the assets attributable to such      interests shall continue to be administered for the benefit of the Covered      Employees in the same manner as administered before the Closing      Date. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | To      effect the foregoing (and without limiting the generality thereof), the      Plan Administrator in its discretion may direct payment of currently      payable benefits accrued prior to the Closing Date for Covered Employees      who subsequently retire from and/or terminate employment with Appleton      Coated with vested rights. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| F1.05 | Conditions. |
|-------|-------------|

| (a) | The      obligations undertaken by the Plan under the foregoing provisions of this      Supplement F shall be conditioned upon the  following: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Effective      as of the Closing Date, Appleton Coated shall have in effect a defined      benefit plan intended to be qualified under Code Section 401(a) which      shall provide benefits to Covered Employee substantially identical in all      material |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      F- |   |
|--------|--------------------|--------|

----

|   | respects      (except for such changes as may be required by law) to those provided      under the Plan as of the Closing Date.  Each Covered Employee      shall become a participant in Appleton Coated’s Plan as of the Closing      Date, subject to Appleton Coated Plan’s participation requirements      regarding age and service.  Covered Employees shall receive      credit for all service with the Company and Appleton Coated prior to the      Closing Date for all purposes (including eligibility, vesting and benefit      accruals) under Appleton Coated’sPlan. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Counsel      for Appleton Coated shall deliver to the Company an opinion of counsel in      form satisfactory to the Committee to the effect that Appleton Coated’s      Plan complies with the requirements for qualification under Code Section      401(a). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Appleton      Coated shall file all documents required to be filed with appropriate      government agencies by reason of the transfer of assets and liabilities      described in this Supplement F. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Appleton      Coated shall provide the Company with all records and information that the      Company may reasonably request in order to carry out its obligations under      this Supplement F. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | [Reserved] |
|-----|------------|

| F1.06 | Cessation of Liability      with Respect to Covered Employees.  Effective upon the      date of acceptance by Appleton Coated’s Plan of the transfer of assets      contemplated by Section F1.02 (the “Transfer Date”), the Plan shall have      no further responsibility or liability for benefits with respect to      Covered Employees or any persons claiming though them, and such transfer      shall be in full discharge of all such responsibilities and      liabilities.  In the event that it should subsequently be      determined that the amount transferred exceeded or was less than the      amount required to be transferred by such provision, taking into account      requirements of applicable law, the difference shall be refunded by      Appleton Coated’s Plan, or transferred to Appleton Coated’s Plan, as the      case may be.  However, the fact that such a subsequent      adjustment is required shall not prevent the transfer of all      responsibility and liability for benefits with respect to Covered      Employees from being total and complete as of the Transfer      Date. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      F- |   |
|--------|--------------------|--------|

----

| G1.01 | Special      Definitions. |
|-------|---------------------------|

| (a) | Appleton      Plant Plan:  The term “Appleton Plant Plan” means the Retirement      Plan for Employees of the Appleton, Wisconsin Plant of Appleton Papers      Inc. Represented by Paper, Allied-Industrial, Chemical and Energy Workers      International Union, Local 469, as in effect immediately prior to its      merger into the Plan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | API      Non-Bargaining Unit Plan:  The term “API Non-Bargaining Unit      Plan,” as well as references in this Supplement G to the “Plan,” means the      Appleton Papers Inc. Retirement Plan as restated January 1, 2002, and as      subsequently amended. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Appleton      Plant Employee:  The term “Appleton Plant Employee” means an      hourly employee of the Company employed at its Appleton, Wisconsin plant      and represented by the Union, excluding any such employee who is eligible      to actively participate in any other retirement, pension or profit sharing      plan established by the Company or to which the Company makes      contributions on his behalf (other than the Appleton Papers Retirement      Savings and Employee Stock OwnershipPlan). |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Termination      of Employment:  The term “Termination of Employment” for      purposes of this Supplement F for Appleton Plant Employees, in lieu of the      definition of such term set forth at Section 1.40 of the Plan, shall mean      a termination of employment, or with respect to a Participant or employee      who terminates employment, or the like, such term means an employee’s      ceasing to be in the active employ of the Company (irrespective of any      seniority rights or recall rights) for any reason (including quit,      discharge, disability, layoff, retirement, or entrance into military      service) other than death or an authorized leave of    absence. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

| (e) | Union:  The      term “Union” means the Paper, Allied-Industrial, Chemical and Energy      Workers International Union, Local469. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------|

| G1.02 | Effective      Date.  The effective date of the merger of the Appleton      Plant Plan into the API Non-Bargaining Unit Plan is January 1,      2002. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G1.03 | Transfer of Trust      Assets and Liabilities.  The assets and liabilities      constituting the trust fund under the Appleton Plant Plan shall be merged      into and become a part of the trust fund under the API Non-Bargaining Unit      Plan, effective January 1, 2002. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G1.04 | Transfer of Benefit      Obligations from Appleton Plant Plan.  All Participants      and beneficiaries having a beneficial interest in or with respect to the      Appleton Plant Plan on or as of January 1, 2002, shall, on and after      January 1, 2002, look solely to the API Non-Bargaining Unit Plan for such      benefits, in lieu of any and all interest they had or may have had with      respect to the Appleton Plant Plan. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G1.05 | No Acceleration of      Vesting.  In no event shall the merger of the Appleton      Plant Plan into this Plan operate to accelerate any Participant’s vested      interest in an Accrued Benefit under the Appleton Plant Plan subject in      all events to the requirements of Code Section  411(a)(10). |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G1.06 | Effect of Compliance      Amendments.  The API Non-Bargaining Unit Plan was amended      effective January 1, 2002 (with retroactive effect, as and where      applicable, to comply with the legislation collectively known as “GUST”);      such amendments which were made to conform the Plan to the law shall be      deemed to have been made in the same manner and effective as of the same      time with respect to the corresponding provisions of the Appleton Plant      Plan prior to the merger. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.01 | Participation.  Effective      January 1, 2002, the term “Participant” shall include Appleton Plant      Employees who were Participants (or beneficiaries) under the Appleton      Plant Plan as of December 31, 2001.  Further, the term “Eligible      Employee” under the Plan shall include an Appleton Plant      Employee.  Eligible Employees who are Appleton Plant Employees      and whose Employment Date is January 1, 2002 or later shall become      Participants in the Plan as set forth in Article 2  thereof. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.02 | Break in      Service.  In addition to the provisions regarding Break      in Service under Section 1.07 of the Plan, with respect to Appleton Plant      Employees, the following shallapply: |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Solely      for the purpose of determining whether a Break in Service has occurred for      eligibility and vesting purposes, Hours of Service shall include each      hour, in addition to Hours of Service as determined in Sections 4.01 and      4.02, that would be a regularly scheduled working hour for the Company but      for the employee’s absence for: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | (1) | sickness      or disability during a period not to exceed 24 months or his seniority      under the collective bargaining agreement with the Union, if      greater, |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | any      leave of absence authorized by the Company in accordance with uniform      rules applicable to all employees similarly situated,  or |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | layoff      for a period of absence not to exceed 6 months or the length of his      seniority, if greater, up to a maximum of 24  months. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------|

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

| G2.03 | Eligible Hours for      Calculating Benefit Service.  Eligible Hours for      calculating Benefit Service for Appleton Plant Employees shall be      determined as follows: |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Benefit      Service is generally based on the number of Eligible Hours credited to a      Participant in a Plan Year. |
|-----|------------------------------------------------------------------------------------------------------------------------|

| (b) | A      Participant’s Eligible Hours will consist only of the following Hours of      Service which are credited for employment as an Eligible      Employee: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Hours      of Service credited in accordance with Section 4.01(a)(1) of the Plan      (“Paid  Working Time”); |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Hours      of Service credited in accordance with Section 4.02(a)(2) of the Plan      (“Paid Absence”) for: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------|

|   | (A) | paid      vacation, holidays and similar paidabsences, |
|--------|-----|--------------------------------------------------------|

|   | (B) | jury      duty, and |
|--------|-----|---------------------|

|   | (C) | funeral      leave; |
|--------|-----|---------------------|

|   | (3) | Hours      of Service credited in accordance with Section 4.01(a)(3) of the Plan      (“Military Service”); and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Hours      of Service credited in accordance with Section 4.01(a)(9) of the Plan      (“Back Pay Awards”) in respect of periods described in Sections 4.01(a)(1)      through (3) of the Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.04 | Vesting      Service.  A Participant who is an Appleton Plant Employee      will be credited with Vesting Service as  follows: |
|-------|------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | a      Participant who is an Appleton Plan Employee will be credited with Vesting      Service as  of January 1, 1976 equal to the “credited service”      standing to his credit on December 31, 1975 under the provisions of the      Appleton Plant Plan as then in effect,and |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

| (b) | for      each Plan Year beginning on or after January 1, 1976, he will be credited      with 1 year of Vesting Service for each Plan Year in which he has at least      1,000 Hours of Service (whether before or after the date he became a      Participant). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.05 | Benefit      Service.  A Participant who is an Appleton Plant Employee      will receive Benefit Service asfollows: |
|-------|-------------------------------------------------------------------------------------------------------------------------------|

| (a) | Prior to July 1,      1955.  Benefit Service prior to July 1, 1955 will be the      number of years (each month considered one-twelfth of a year) of      continuous service prior to July 1, 1955, as determined by the      Company. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Between July 1, 1955      and January 1, 1972.  Benefit Service between July 1,      1955 and January 1, 1972 is granted on the basis of Eligible Hours prior      to such a Participant’s Normal Retirement Date as follows:  Each      twelve-month period from July 1, through June 30 ending prior to July 1,      1967, and each of the calendar years 1968 through 1971, in which a      Participant had 1,800 or more Eligible Hours counts as a full year of      Benefit Service.  Where the Participant’s total Eligible Hours      during such twelve-month period were less than 1,800, one-twelfth of a      year of Benefit Service is granted for each 150 Eligible      Hours.  For the six-month period July 1, 1967 through December      31, 1967, a Participant is credited with one-twelfth of a year of Benefit      Service for each 150 Eligible Hours, up to a maximum of one-half of a year      of Benefit Service. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | On and After January      1, 1972.  For calendar years commencing on and after      January 1, 1972, but before January 1, 1988, Benefit Service will be      granted for each calendar year to each Participant who is an Appleton      Plant Employee on the basis of total Eligible Hours during such year and      prior to his Normal Retirement Date.  If such a Participant is      credited with at least one Hour of Service on or after January 1, 1988,      Benefit Service will be granted as set forth in the preceding sentence,      except Eligible Hours earned after such Participant’s Normal Retirement      Date shall also be counted.  Any calendar year subsequent to      calendar year 1971 in which the Participant has 1,680 or more Eligible      Hours will count as a full year of Benefit Service.  Where the      Participant’s total Eligible Hours during such calendar year are less than      1,680, one-twelfth of a year of Benefit Service will be granted for each      140 Eligible Hours. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.06 | Additional Provision      Regarding Service with Affiliates, etc.  For a      Participant who is an Appleton Plant Employee, in addition to the      provisions governing service with an Affiliate, no disability Retirement      Benefit will be payable in the event of a disability-caused Termination of      Employment while employed by anAffiliate. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.07 | Retirement      Pension.  The following provisions regarding a      Participant’s Retirement Pension shall apply with respect to Participants      who are Appleton Plant Employees, except that any additional provisions      regarding Retirement Pensions contained in the Plan not superseded by the      following shall continue to apply to such  Participants. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Retirement      At or After Normal Retirement Age. |
|-----|----------------------------------------------------|

|   | (1) | For      a Participant who is an Appleton Plant Employee, if such Participant’s      employment terminates at or after his Normal Retirement Age, he will be      entitled |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | to      a Normal Retirement Pension in a monthly amount determined by multiplying      his years of Benefit Service (including fractions of a year in completed      months) as of his Termination of Employment by a benefit formula as      follows: |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Date      upon which employment terminates:On or      After                   Prior to | BenefitFormula                       |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------|
| September      1, 1988                                                                                                                                                                | September      1, 1989               | 19.00 |
| September      1, 1989                                                                                                                                                                | September      1, 1991               | 20.00 |
| September      1, 1991                                                                                                                                                                | September      1, 1992               | 21.00 |
| September      1, 1992                                                                                                                                                                | September      1, 1993               | 22.00 |
| September      1, 1993                                                                                                                                                                | September      1, 1994               | 23.00 |
| September      1, 1994                                                                                                                                                                | September      1, 1995               | 24.00 |
| September      1, 1995                                                                                                                                                                | September      1, 1996               | 27.50 |
| September      1, 1996                                                                                                                                                                | September      1, 2001               | 28.50 |
| September      1, 2001                                                                                                                                                                | September      1, 2003               | 36.50 |
| September      1, 2003                                                                                                                                                                | September      1, 2005               | 37.50 |
| September      1, 2005                                                                                                                                                                |    -      - - - - - - | 41.00 |

|   | (2) | Notwithstanding      any other provision of the Plan, if a Participant is credited with an Hour      of Service on or after January 1, 1988, the amount of the Normal      Retirement Pension of such Participant, if he continues in employment his      Normal Retirement Date, will be calculated based on Benefit Service      accrued before and after his Normal Retirement  Date. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Early      Retirement Pension. |
|-----|--------------------------------|

|   | (1) | If      a Participant who is an Appleton Plant Employee terminates employment on      or after the date he has both reached age 55 and completed at least 10      years of Vesting Service (and before his Normal Retirement Age), he will      be eligible to receive an Early Retirement  Pension. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | An      Early Retirement Pension for an Appleton Plan Employee shall be whichever      of the benefit described in paragraphs (A) or (B) below as the Participant      elects, in a time an manner as the Committee may  prescribe: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | Payment at Normal      Retirement Date.  A Retirement Pension starting on his      Normal Retirement Date in a monthly amount determined under Section      G2.07(a) based on his Benefit Service and the benefit formula in effect at      his Termination of Employment. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Payment Before Normal Retirement      Date.  A Retirement Pension starting on the first      day of any month coincident with or following the date his employment      terminates and before his Normal Retirement Date, in a monthly amount      determined under paragraph (A) above, reduced in accordance with whichever      of the following tablesapplies: |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Termination of Employment on or after September 1,      1995: |
|---------------------------------------------------------------|
| Age      at PensionCommencement Date                          | Percentage      of Pension PayablePrior to Normal Retirement    Date |
| 64                                                            | 100% |
| 63                                                            | 100% |
| 62                                                            | 100% |
| 61                                                            | 95% |
| 60                                                            | 90% |
| 59                                                            | 85% |
| 58                                                            | 80% |
| 57                                                            | 75% |
| 56                                                            | 70% |
| 55                                                            | 65% |
| Termination of Employment prior to September 1,      1995:    |
| Age      at PensionCommencement Date                          | Percentage      of Pension PayablePrior to Normal Retirement    Date |
| 64                                                            | 100% |
| 63                                                            | 100% |
| 62                                                            | 100% |
| 61                                                            | 80% |
| 60                                                            | 75% |
| 59                                                            | 70% |
| 58                                                            | 65% |
| 57                                                            | 60% |
| 56                                                            | 55% |
| 55                                                            | 50% |

|   | (3) | Transition      Rule.  No reduction will be made under paragraph (B)      above in the portion of a Participant early Retirement Pension accrued and      vested as of September 1, 1975 (based on the benefit level then in      effect), or such reduction will be limited to the extent that such      reduction would be prohibited or limited under the provisions of Paragraph      (C) of Section 3, Part II of the Appleton Plant Plan as in effect on June      30, 1978, and any such limited reduction will be based on the actuarial      tables in effect prior to September 1,1975. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | (4) | Notwithstanding      any provision in the Plan to the contrary, a Participant who (A) is      actively employed by the Company as of September 1, 1995, (B) has attained      age sixty (60) or will attain such age on or before December 31, 1996, and      (C) retires on or after September 1, 1995, and on or before June 1, 1996,      may receive a Retirement Pension starting on the first day of the month      coincident with or following the date his employment terminates and before      his Normal Retirement Date in a monthly amount determined under Paragraph      (b)(2)(A) above, without reduction for early  commencement. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Vested Retirement      Pension. |
|-----|---------------------------------|

|   | (1) | Upon      the Termination of Employment of a Participant who is an Appleton Plant      Employee and who (A) has accrued at least one Hour of Service on or after      January 1, 1989, and (B) is not eligible for a Retirement Pension under      Section G2.07(a) or G2.07(b), and (C) has completed at least five (5)      years of Vesting Service, such Participant will be eligible to receive a      Vested Retirement Pension. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Such      Participant’s Vested Retirement Pension will start on the Participant’s      Normal Retirement Date in a monthly amount determined in accordance with      Section G2.07(a)(1), or, if the Participant so elects, (in a time and      manner as the Committee may prescribe) on the first day of any month prior      to his Normal Retirement Date, and coincident with or following his      55th      birthday in a monthly amount equal to the greater  of: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |        (A) | an amount determined in accordance with Section G2.07(a)(1),      reduced as follows: |
|--------|-----------------|---------------------------------------------------------------------------------------|

| Age      at PensionCommencement Date | Percentage      of Pension PayablePrior to Normal Retirement    Date |
|--------------------------------------|----------------------------------------------------------------------|
| 65                                   | 100%                                                                 |
| 64                                   | 89%                                                                  |
| 63                                   | 79%                                                                  |
| 62                                   | 71%                                                                  |
| 61                                   | 64%                                                                  |
| 60                                   | 58%                                                                  |
| 59                                   | 52%                                                                  |
| 58                                   | 47%                                                                  |
| 57                                   | 42%                                                                  |
| 56                                   | 38%                                                                  |
| 55                                   | 34%                                                                  |

|   | (B) | an      amount determined in accordance with Subsection G2.07(b)(1)(A) calculated      by assuming that the Participant had terminated employment on August 31,      1985 (or actual Termination of Employment date, if earlier) reduced as      follows: |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      at PensionCommencement Date | Percentage      of Pension PayablePrior to Normal Retirement    Date |
|--------------------------------------|----------------------------------------------------------------------|
| 65                                   | 100%                                                                 |
| 64                                   | 95%                                                                  |
| 63                                   | 90%                                                                  |
| 62                                   | 85%                                                                  |
| 61                                   | 80%                                                                  |
| 60                                   | 75%                                                                  |
| 59                                   | 70%                                                                  |
| 58                                   | 65%                                                                  |
| 57                                   | 60%                                                                  |
| 56                                   | 55%                                                                  |
| 55                                   | 50%                                                                  |

| (d) | Disability Retirement      Pension. |
|-----|-------------------------------------|

|   | (1) | If      a Participant who is an Appleton Plant Employee with at least 5 years of      Benefit Service terminates employment with the Company (20 years for      Participants who terminate such employment prior to September 1, 1981, and      10 years for Participants who terminate such employment on or after      September 1, |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | 1981,      but prior to January 1, 1989) on account of a Disability with respect to      which he becomes eligible for and receives disability benefits under the      Social Security Act (which shall be the definition of the term      “Disability” for purposes of this Section G2.07(d), except as modified      under Paragraphs (3) and (4) below), he will be entitled to a Disability      Retirement Pension starting on the first day of the month coincident with      or next following the date on which he actually starts receiving      disability benefits under the Social Security Act (excluding retroactive      payment of such benefits).  The monthly amount of a      Participant’s Disability Retirement Pension will be determined under      Section G2.07(a) based on his Benefit Service (determined in accordance      with Section G2.06) and the benefit formula in effect at his Termination      of Employment. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | A      Participant described in subsection (1) above who is eligible for a      Retirement Pension under any of the other provisions of Article 5 of the      Plan or Section G2.07 may elect to receive any such other Retirement      Pension instead of the Disability Retirement Pension provided by this      Section G2.07(d).  The Disability Retirement Pension payable      under this Section G2.07(d) is intended to be a disability auxiliary      benefit as described in Treasury Regulation §      1.401(a)-20(c).  Thus, the annuity starting date for a      Participant receiving a Disability Retirement Pension does not occur until      the Participant attains Normal Retirement Age and such Participant’s      surviving spouse, if any, would be entitled to the Pre-Retirement      Surviving Spouse annuity described in Article 6 of the Plan if the      Participant dies before Normal Retirement Age (or the commencement of      benefits under any of the other provisions of the Plan, if      applicable). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Payment      of a Disability Retirement Pension shall be conditioned upon the filing of      an application therefor and providing such information as the Committee      may require.  The Committee may, as a condition of authorizing      any Disability Retirement Pension hereunder, require a medical examination      by such physicians as the Committee may designate.  If a      Participant fails or refuses to submit to such medical examination, then      no Disability Retirement Pension will be payable until the Participant      agrees to and receive such examination.  No Disability      Retirement Pension will be payable for the period of such      refusal. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | If      a Participant recovers from his Disability prior to attaining his Normal      Retirement Age to such an extent that he would no longer be eligible for      disability benefits under the Social Security Act, he shall so notify the      Committee and payment of his Disability Retirement Pension will      cease.  If the Participant fails to notify the Committee of his      recovery from his Disability, then any Disability Retirement Pension      payments he received for which he was not eligible must be repaid to the      Trust upon the direction of the Committee.  The Committee may      require physical examination of the Participant by such physicians as the      Committee may designate in order to verify the Participant’s continuing      Disability, and may terminate payment of a Disability Retirement Pension      in the event the Participant refuses to undergo such examination, or if      the Committee determines, on the basis of such an examination or      otherwise, that the Participant’s Disability has  ceased. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | (5) | If      a Participant’s Disability Retirement Pension ceases in accordance with      Paragraph (4) above,  he will be entitled to benefits in      accordance with Section G2.07(b) or G2.07(c) (whichever is applicable),      based upon the benefit formula taken into account in determining the      amount of his Disability Retirement Pension, provided, however, if the      Participant returns to the employment of the Company and earns Eligible      Hours, any additional benefits that may be payable to the Participant by      reason of such reemployment upon his subsequent Termination of Employment      will be based upon the benefit formula in effect upon such      termination.  Any such benefits thereafter payable to such      Participant will be reduced by the Actuarial Equivalent, based on the      assumption set forth in Section 1.05 of Appendix A to the Plan, of any      Disability Retirement Pension payments found by the Committee to have      Committee to have been made after the Participant recovered from his      Disability. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Reemployment Before      Pension Commencement Date.  If a Participant who is an      Appleton Plant Employee and who is entitled to a Retirement Pension is      reemployed by the Company before his Pension Commencement Date, benefits      based on his Benefit Service credited after such reemployment will be      based on the benefit formula in effect at the time of his subsequent      Termination of Employment.  In such event, the amount of      Retirement Pension payable with respect to Benefit Service credited prior      to such reemployment will not be increased by any applicable increase in      the benefit formula that may have occurred subsequent to the date of such      previous Termination of Employment, until the Participant has been      reemployed for a period of continuous active employment of at least 12      months. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Participants Not      Actively At Work.  If a Participant who is an Appleton      Plant Employee is not actively at work immediately prior to his      Termination of Employment because of layoff, medical leave of absence or      other authorized leave of absence, his Retirement Pension (if any) under      the Plan will be based on the benefit formula as in effect under the Plan      no later than the last day that he was actively at work as an Eligible      Employee. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.08 | Special Spouse Benefit      Inapplicable.  For Participants who are Appleton Plant      Employees, the “Special Spouse Benefit” described in Article 6 of the Plan      shall not apply. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.09 | Additional Methods of      Payment Provisions for Appleton Plant Employees.  In      addition to the methods of payment provisions set forth in Section      G2.07(d) (relating to Disability Retirement Pension) and Article 7 of the      Plan, for Participants who are Appleton Plant Employees the following      additional or alternative provisions regarding methods of payment shall      apply, subject to the restrictions on electing an optional form of payment      under Section 7.04 of the Plan: |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Annuity With Ten Year      Certain Option. |
|-----|--------------------------------------------|

|   | (1) | Subject      to Section 7.04 of the Plan, a Participant who is an Appleton Plant      Employee may elect to receive a reduced Retirement Pension payable to him      monthly during his life which, in the event of the Participant’s death      prior to |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | receiving      120 monthly payments, will pay the same amount of reduced pension to the      Participant’s Beneficiary until a combined total of 120 monthly payments      have been made. |
|--------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | In      the event of the Participant’s death before his Pension Commencement Date,      his election of the ten year certain option will be null and      void.  If the Beneficiary dies before the Participant Pension      Commencement Date, the election of the ten year certain option will be      considered null and void unless the Participant designates a new      Beneficiary before his Pension Commencement  Date. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Beneficiary Under Ten      Year Certain Option. |
|-----|-------------------------------------------------|

|   | (1) | Subject      to the further provisions of this Section G2.09(b), each Participant who      elects the ten year certain option described in Section G2.09(a)(1) above      may designate a person (who may be an individual, a trust, or his      executors or administrators) as his Beneficiary under such      option.  Such designation shall be made by executing and filing      with the Committee a written designation of beneficiary, in such form and      at such time as may be prescribed by the  Committee. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Notwithstanding      Paragraph (1) above, a Participant’s sole Beneficiary shall be his      Surviving Spouse, if the Participant has a Surviving Spouse, unless the      Participant has designated another Beneficiary with Spousal      Consent.  The provisions of this Paragraph (2) shall not apply      with respect to a Spouse whom the Participant married after his Pension      Commencement Date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | A      Participant may, at any time and from time to time in such manner as the      Committee shall prescribe, change his designated Beneficiary, but, in any      case where the provisions of Paragraph (2) apply, any such designation      which has the effect of naming a person other than the Surviving Spouse as      sole Beneficiary shall be made only with Spousal  Consent. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | If      a Participant has failed effectively to designate a Beneficiary, or a      Beneficiary previously designated has predeceased the Participant and no      alternative designation has become effective, the Beneficiary will be the      Participant’s Surviving Spouse, or, if none, will be the Participant’s      estate.  Any amounts remaining due under this Plan to a      Beneficiary at the time of the Beneficiary’s death will, unless otherwise      provided by the Participant in his designation of beneficiary, be paid to      the Beneficiary’s estate. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | If      the Beneficiary cannot be located for a period of one year following the      Participant’s death despite mailing to the Beneficiary’s last known      address and has not made written claim within such period to the      Committee, such Beneficiary will be treated as having predeceased the      Participant.  The foregoing provisions of this Paragraph (5)      shall not apply to the Participant’s Surviving Spouse if such Spouse is      the Participant’s presumptive Beneficiary under Paragraph    (2). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | (6) | Any      payments owing to a Participant’s or Beneficiary’s estate under this Plan      will be commuted and paid in a single lump sum Actuarially Equivalent to      the value of such payments. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | The      foregoing provisions of this Section G2.09(b) shall not apply with respect      to any Participant who dies on or after January 1, 1985 and has one paid      Hour of Service or one hour of paid leave under the Plan or the Appleton      Plant Plan on or after August 23, 1984.  The provisions of      Section 7.07 of the Appleton Plant Plan as in effect on January 1, 1984      shall apply with respect to all other  Participants. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Contingent Annuitant      Option. |
|-----|-----------------------------------|

|   | (1) | Subject      to Section 7.04 of the Plan, a Participant who is an Appleton Plant      Employee may elect the contingent annuitant option which will provide a      reduced monthly amount of Retirement Pension for the lifetime of the      Participant and for the continuance of 50%, 75% or 100% of such reduced      monthly amount to a contingent annuitant named by the Participant, if      living after the Participant’s death, to be paid for the remainder of the      contingent annuitant’s lifetime. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Each      Participant who elects the contingent annuitant option must designate a      contingent annuitant thereunder by executing and filing with the Committee      a written designation thereof, in such form and at such time as may be      prescribed by the Committee. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | If      either a Participant or his contingent annuitant dies before his Pension      Commencement Date, the Participant’s election of this option will be null      and void.  If the contingent annuitant dies before the      Participant but after the Participant’s Pension Commencement Date, no      benefits will be payable under this option upon the death of the      Participant, but the Participant’s Retirement Pension will continue to be      payable to him during his life in the reduced amount provided under the      option. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | An      election of this option other than with the Participant’s Spouse as the      contingent annuitant will be given effect only if the Actuarial Value of      the payments to be made to the Participant under the option is more than      50% of the Actuarial Value of all payments to be made under the option and      such payments are in accordance with the requirements of Prop. Reg.      1.401(a)(9)-2. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.10 | Additional or      Alternative Actuarial Assumptions.  The following      additional or alternative actuarial assumptions shall apply, as      applicable, with respect to a Participant who is an Appleton Plant      Employee in lieu of any actuarial assumptions given in Appendix A to the      Plan which would otherwise apply.  The actuarial assumptions set      forth in Appendix A or this Section G2.10, as applicable, shall be used to      determine benefits for Participants who are Appleton Plant Employees and      who either separate from service or accrue benefits on or after January 1,      1984.  For all other such Participants, actuarial determinations      governing benefits under the Plan or the Appleton Plant Plan shall be made      in accordance with the Appleton Plant Plan as in effect before January 1,      1984. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

| (a) | 50% Joint and      Surviving Spouse Annuity; 50% Contingent Annuitant      Option.  The following table shows the percentage of the      basic monthly Retirement Pension payable to a Participant who is an      Appleton Plant Employee and continuing to the Surviving Spouse or      contingent annuitant at one-half the rate (i.e., 50%) after the      Participant’s death during the remaining lifetime of such spouse or other      person: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |   | Age      of Participant |
|----------------------------|--------|-------------------------|
|                       | 55     | 56                      | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 97.5   | 97.3                    | 97.0 | 96.7 | 96.3 | 96.0 | 95.6 | 95.1 | 94.7 | 94.1 | 93.6 |
| 64                         | 97.3   | 97.0                    | 96.7 | 96.4 | 96.0 | 95.7 | 95.2 | 94.8 | 94.3 | 93.7 | 93.1 |
| 63                         | 97.1   | 96.8                    | 96.5 | 96.1 | 95.7 | 95.3 | 94.9 | 94.4 | 93.8 | 93.2 | 92.6 |
| 62                         | 96.8   | 96.5                    | 96.2 | 95.8 | 95.4 | 95.0 | 94.5 | 94.0 | 93.4 | 92.8 | 92.1 |
| 61                         | 96.6   | 96.3                    | 95.9 | 95.5 | 95.1 | 94.6 | 94.1 | 93.6 | 92.9 | 92.3 | 91.6 |
| 60                         | 96.4   | 96.0                    | 95.6 | 95.2 | 94.7 | 94.2 | 93.7 | 93.1 | 92.5 | 91.8 | 91.0 |
| 59                         | 96.1   | 95.7                    | 95.3 | 94.9 | 94.4 | 93.9 | 93.3 | 92.7 | 92.0 | 91.3 | 90.5 |
| 58                         | 95.8   | 95.4                    | 95.0 | 94.5 | 94.0 | 93.5 | 92.9 | 92.2 | 91.5 | 90.8 | 90.0 |
| 57                         | 95.5   | 95.1                    | 94.7 | 94.2 | 93.6 | 93.1 | 92.5 | 91.8 | 91.1 | 90.3 | 89.4 |
| 56                         | 95.3   | 94.8                    | 94.3 | 93.8 | 93.3 | 92.7 | 92.0 | 91.3 | 90.6 | 89.8 | 88.9 |
| 55                         | 95.0   | 94.5                    | 94.0 | 93.5 | 92.9 | 92.3 | 91.6 | 90.9 | 90.1 | 89.2 | 88.4 |
| 54                         | 94.7   | 94.2                    | 93.7 | 93.1 | 92.5 | 91.8 | 91.1 | 90.4 | 89.6 | 88.7 | 87.8 |
| 53                         | 94.4   | 93.8                    | 93.3 | 92.7 | 92.1 | 91.4 | 90.7 | 89.9 | 89.1 | 88.2 | 87.3 |
| 52                         | 94.0   | 93.5                    | 92.9 | 92.3 | 91.7 | 91.0 | 90.2 | 89.4 | 88.6 | 87.7 | 86.7 |
| 51                         | 93.7   | 93.2                    | 92.6 | 91.9 | 91.3 | 90.5 | 89.8 | 89.0 | 88.1 | 87.1 | 86.2 |
| 50                         | 93.4   | 92.8                    | 92.2 | 91.5 | 90.9 | 90.1 | 89.3 | 88.5 | 87.6 | 86.6 | 85.7 |

|        (b) | 75%      Contingent Annuitant Option.  The following table shows the      percentage of the basic monthly Retirement Pension payable to a      Participant who is an Appleton Plant Employee and continuing to the      contingent annuitant at three-fourths the rate (i.e., 75%) after the      Participant’s death during the remaining lifetime of such      person: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |   | Age      of Participant  |
|----------------------------|--------|-------------------------------|
|                       | 55     | 56                            | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 96.3   | 95.9                          | 95.5 | 95.1 | 94.6 | 94.1 | 93.5 | 92.9 | 92.2 | 91.5 | 90.7 |
| 64                         | 96.0   | 95.6                          | 95.2 | 94.7 | 94.2 | 93.6 | 93.0 | 92.4 | 91.6 | 90.8 | 90.0 |
| 63                         | 95.7   | 95.3                          | 94.8 | 94.3 | 93.7 | 93.1 | 92.5 | 91.8 | 91.0 | 90.2 | 89.3 |
| 62                         | 95.3   | 94.9                          | 94.4 | 93.9 | 93.3 | 92.7 | 92.0 | 91.2 | 90.4 | 89.5 | 88.6 |
| 61                         | 95.0   | 94.5                          | 94.0 | 93.4 | 92.8 | 92.1 | 91.4 | 90.6 | 89.8 | 88.9 | 87.9 |
| 60                         | 94.6   | 94.1                          | 93.6 | 93.0 | 92.3 | 91.6 | 90.9 | 90.0 | 89.1 | 88.2 | 87.1 |
| 59                         | 94.3   | 93.7                          | 93.1 | 92.5 | 91.8 | 91.1 | 90.3 | 89.4 | 88.5 | 87.5 | 86.4 |
| 58                         | 93.9   | 93.3                          | 92.7 | 92.0 | 91.3 | 90.5 | 89.7 | 88.8 | 87.8 | 86.8 | 85.7 |
| 57                         | 93.5   | 92.9                          | 92.2 | 91.5 | 90.8 | 90.0 | 89.1 | 88.2 | 87.2 | 86.1 | 84.9 |
| 56                         | 93.1   | 92.4                          | 91.7 | 91.0 | 90.2 | 89.4 | 88.5 | 87.5 | 86.5 | 85.4 | 84.2 |
| 55                         | 92.6   | 92.0                          | 91.3 | 90.5 | 89.7 | 88.8 | 87.9 | 86.9 | 85.8 | 84.7 | 83.5 |
| 54                         | 92.2   | 91.5                          | 90.8 | 90.0 | 89.1 | 88.2 | 87.3 | 86.2 | 85.1 | 84.0 | 82.8 |
| 53                         | 91.8   | 91.0                          | 90.3 | 89.5 | 88.6 | 87.6 | 86.7 | 85.6 | 84.5 | 83.3 | 82.1 |
| 52                         | 91.3   | 90.6                          | 89.8 | 88.9 | 88.0 | 87.1 | 86.0 | 84.9 | 83.8 | 82.6 | 81.3 |
| 51                         | 90.9   | 90.1                          | 89.3 | 88.4 | 87.4 | 86.5 | 85.4 | 84.3 | 83.1 | 81.9 | 80.6 |
| 50                         | 90.4   | 89.6                          | 88.7 | 87.8 | 86.9 | 85.9 | 84.8 | 83.7 | 82.5 | 81.2 | 79.9 |

----

|        (c) | 100% Contingent Annuitant Option.  The      following table shows the percentage of the basic monthly Retirement      Pension payable to a Participant who is an Appleton Plant Employee and      continuing to the contingent annuitant at the same rate (i.e., 100%) after      the Participant’s death during the remaining lifetime of such      person: |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |   | Age      of Participant  |
|----------------------------|--------|-------------------------------|
|                       | 55     | 56                            | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 95.1   | 94.6                          | 94.1 | 93.6 | 92.9 | 92.3 | 91.5 | 90.7 | 89.9 | 88.9 | 88.0 |
| 64                         | 94.7   | 94.2                          | 93.7 | 93.1 | 92.4 | 91.7 | 90.9 | 90.1 | 89.1 | 88.1 | 87.1 |
| 63                         | 94.3   | 93.8                          | 93.2 | 92.5 | 91.8 | 91.1 | 90.2 | 89.4 | 88.4 | 87.3 | 86.2 |
| 62                         | 93.9   | 93.3                          | 92.7 | 92.0 | 91.2 | 90.4 | 89.5 | 88.6 | 87.6 | 86.5 | 85.3 |
| 61                         | 93.4   | 92.8                          | 92.1 | 91.4 | 90.6 | 89.8 | 88.9 | 87.9 | 86.8 | 85.7 | 84.4 |
| 60                         | 93.0   | 92.3                          | 91.6 | 90.8 | 90.0 | 89.1 | 88.2 | 87.1 | 86.0 | 84.8 | 83.5 |
| 59                         | 92.5   | 91.8                          | 91.0 | 90.2 | 89.4 | 88.4 | 87.4 | 86.4 | 85.2 | 84.0 | 82.7 |
| 58                         | 92.0   | 91.3                          | 90.5 | 89.6 | 88.7 | 87.7 | 86.7 | 85.6 | 84.4 | 83.1 | 81.8 |
| 57                         | 91.5   | 90.7                          | 89.9 | 89.0 | 88.1 | 87.0 | 86.0 | 84.8 | 83.6 | 82.3 | 80.9 |
| 56                         | 91.0   | 90.1                          | 89.3 | 88.4 | 87.4 | 86.3 | 85.2 | 84.0 | 82.8 | 81.4 | 80.0 |
| 55                         | 90.4   | 89.6                          | 88.7 | 87.7 | 86.7 | 85.6 | 84.5 | 83.2 | 81.9 | 80.6 | 79.1 |
| 54                         | 89.9   | 89.0                          | 88.1 | 87.1 | 86.0 | 84.9 | 83.7 | 82.5 | 81.1 | 79.7 | 78.3 |
| 53                         | 89.3   | 88.4                          | 87.4 | 86.4 | 85.3 | 84.2 | 83.0 | 81.7 | 80.3 | 78.9 | 77.4 |
| 52                         | 88.7   | 87.8                          | 86.8 | 85.7 | 84.6 | 83.5 | 82.2 | 80.9 | 79.5 | 78.0 | 76.6 |
| 51                         | 88.3   | 87.2                          | 86.2 | 85.1 | 83.9 | 82.7 | 81.5 | 80.1 | 78.7 | 77.2 | 75.7 |
| 50                         | 87.6   | 86.6                          | 85.5 | 84.4 | 83.2 | 82.0 | 80.7 | 79.3 | 77.9 | 76.4 | 74.9 |

| (d) | Annuity with Ten Year      Certain Option.  The following table shows the percentage      of the basic monthly Retirement Pension payable to a Participant who is an      Appleton Plant Employee for the lifetime of the Participant, with a      guarantee of 120 monthly payments: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      atRetirement | Percentage |
|-----------------------|------------|
| 65      (or over)     | 95.26      |
| 64                    | 95.74      |
| 63                    | 96.16      |
| 62                    | 96.53      |
| 61                    | 96.86      |
| 60                    | 97.15      |
| 59                    | 97.42      |
| 58                    | 97.66      |
| 57                    | 97.89      |
| 56                    | 98.09      |
| 55                    | 98.28      |

| (e) | Additional Factors for      Code Section 415 Limits.  In addition to the interest      rate and mortality tables listed at Section 1.04 of Appendix A to the      Plan, the following factors shall apply to Appleton Plant      Employees: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  For      Retirement Pensions payable in a form other than an annuity for life only      or a qualified joint and survivor annuity, 5% shall be    used. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Mortality:  For      payments made prior to July 1, 1996, the 1971 Group Annuity Mortality      Table projected to 1978 according to Scale E (males, 3 year      setback). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Suspended or Duplicate      Benefits.  For purposes of all calculations to which      Section 1.05 of Appendix A to the Plan applies, for Participants who are      Appleton Plant Employees, the following factors shall    apply: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  8.25%. |
|--------|-----|-----------------------------|

|   | (2) | Mortality:  The      1971 Group Annuity Mortality Table projected to 1978 according to Scale E      (males, 3 year setback). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

| (g) | All Other      Equivalencies.  For purposes of all calculations to which      Section 1.08 of Appendix A to the Plan applies, for Participants who are      Appleton Plant Employees, the Mortality Table used shall be the 1971 Group      Annuity Mortality Table projected to 1978 according to Scale E (males, 3      year setback). |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| G2.11 | 2002 Special      Retirement EnhancementProgram. |
|-------|--------------------------------------------------|

| (a) | This      Section G2.11 shall apply to Appleton Plant Employees who are Plan      Participants, are actively employed by the Company on May 1, 2002, and      who, as of August 1, 2002, |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

|   | have      or will have accrued not fewer than ten (10) years of Vesting Service and      are not less than fifty-five (55) years of age (an “Eligible Appleton      Plant Participant”). |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | If      an Eligible Appleton Plant Participant elects, during a fixed period of      time established by the Company, voluntarily to retire from the service of      the Company in accordance with the terms of the 2002 Special Retirement      Enhancement Program for Appleton Plant Hourly Employees, such Participant      shall be eligible to receive a Retirement Pension under this Section G2.11      in lieu of any other Retirement Pension provided under Supplement G,      Article 2 of the Plan.  Such election shall be made on a form      and in the manner prescribed by the Plan  Administrator. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | An      Eligible Appleton Plant Participant who makes the election described in      subsection (b) above shall receive the following enhancements to the      Retirement Pension such Participant is otherwise entitled to receive under      the Plan: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Five      (5) Years shall be added to the Eligible Appleton Plant Participant’s      accrued Years of Benefit Service;and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Five      (5) Years shall be added to the Eligible Appleton Plant Participant’s      attained age, determined as of August 1, 2002, for purposes of calculating      the reduction for commencement prior Normal Retirement Age specified in      Section G2.07(b). |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | An      election made under subsection (b) above shall be effective August 1,      2002, unless an earlier Retirement Date is agreed in writing by and      between the electing Participant and the Plan      Administrator.  For purposes of this Section G2.11, an Eligible      Appleton Plant Participant’s “Retirement Date” shall be the first day of      the month coincident with or next following the Participant’s actual      Termination of Employment with the Company, and the benefit multiplier      shall in all events be $36.50. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      G- |   |
|--------|--------------------|--------|

----

| H1.01 | Special      Definitions. |
|-------|---------------------------|

| (a) | Roaring      Spring Mill Plan:  The term “Roaring Spring Mill Plan” means the      Retirement Plan for Employees of the Roaring Spring, Pennsylvania Mill of      Appleton Papers, Inc. Represented by Paper, Allied-Industrial, Chemical      and Energy Workers International Union, Local 422, as in effect      immediately prior to its merger into thePlan. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | API      Non-Bargaining Unit Plan:  The term “API Non-Bargaining Unit      Plan,” as well as references in this Supplement H to the “Plan,” means the      Appleton Papers Inc. Retirement Plan for Non-Bargaining Unit      Employees. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Roaring      Spring Mill Employee:  The term “Roaring Spring Mill Employee”      means an hourly employee of the Company employed at its Roaring Spring,      Pennsylvania mill and represented by the Union, excluding any such      employee who is eligible to actively participate in any other retirement,      pension or profit-sharing plan established by the Company or to which the      Company makes contributions on his behalf (other than the Appleton Papers      Retirement Savings and Employee Stock Ownership  Plan). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Termination      of Employment:  The term “Termination of Employment” for      purposes of this Supplement H for Roaring Spring Mill Employees, in lieu      of the definition of such term set forth at Section 1.40 of the Plan,      shall mean a termination of employment, or with respect to a Participant      or employee who terminates employment, or the like, such term means an      employee’s ceasing to be in the active employ of the Company (irrespective      of any seniority rights or recall rights) for any reason (including quit,      discharge, disability, layoff, retirement, or entrance into military      service) other than death or an authorized leave of    absence. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

| (e) | Union:  The      term “Union” means the Paper, Allied-Industrial, Chemical and Energy      Workers International Union, Local422. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------|

| H1.02 | Effective      Date.  The effective date of the merger of the Roaring      Spring Mill Plan into the API Non-Bargaining Unit Plan is January 1,      2002. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H1.03 | Transfer of Trust      Assets and Liabilities.  The assets and liabilities      constituting the trust fund under the Roaring Spring Mill Plan shall be      merged into and become a part of the trust fund under the API      Non-Bargaining Unit Plan, effective January 1,  2002. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H1.04 | Transfer of Benefit      Obligations from Roaring Spring Mill Plan.  All      Participants and beneficiaries having a beneficial interest in or with      respect to the Roaring Spring Mill Plan on or as of January 1, 2002,      shall, on and after January 1, 2002, look solely to the API Non-Bargaining      Unit Plan for such benefits, in lieu of any and all interest they had or      may have had with respect to the Roaring Spring Mill  Plan. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H1.05 | No Acceleration of      Vesting.  In no event shall the merger of the Roaring      Spring Mill Plan into this Plan operate to accelerate any Participant’s      vested interest in an Accrued Benefit under the Roaring Spring Mill Plan      subject in all events to the requirements of Code Section      411(a)(10). |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H1.06 | Effect of Compliance      Amendments.  The API Non-Bargaining Unit Plan was amended      effective January 1, 2002 (with retroactive effect, as and where      applicable, to comply with the legislation collectively known as “GUST”);      such amendments which were made to conform the Plan to the law shall be      deemed to have been made in the same manner and effective as of the same      time with respect to the corresponding provisions of the Roaring Spring      Mill Plan prior to the merger. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.01 | Participation.  Effective      January 1, 2002, the term “Participant” shall include Roaring Spring Mill      Employees who were Participants (or beneficiaries) under the Roaring      Spring Mill Plan as of December 31, 2001.  Further, the term      “Eligible Employee” under the Plan shall include a Roaring Spring Mill      Employee.  Eligible Employees who are Roaring Spring Mill      Employees and whose Employment Date is January 1, 2002 or later shall      become Participants in the Plan as set forth in Article 2      thereof. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.02 | Break in      Service.  In addition to the provisions regarding Breaks      in Service set forth in Section 1.07 of the Plan, the following shall      apply with respect to Roaring Spring Mill  Employees: |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Solely      for purposes of determining whether a Break in Service has occurred for      eligibility and vesting purposes, Hours of Service shall include each      hour, in addition to Hours of Service as determined in Sections 4.01 and      4.02 of the Plan, that would be a regularly scheduled working hour for the      Company but for the employee’s absence for such layoff during a period not      to exceed 12 months or the period during which he has recall      rights |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | under      the collective bargaining agreement with the Union, if greater, up to a      maximum of 36 months, provided that he returns to work with the Company      within 2 weeks of any recall. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| H2.03 | Alternative Provisions      Regarding Hours of Service.  As alternatives to the      corresponding provisions regarding Hours of Service set forth in Section      4.01 of the Plan, the following shall be counted as Hours of Service with      respect to Roaring Spring MillEmployees: |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Sick Leave or      Disability.  8 hours per day of absence from employment      with the Company on account of sickness or disability, up to a maximum of      40 hours per week and an overall maximum of 26 weeks per period of      absence, reduced by any such hours which are credited as Hours of Service      under Section 4.01(a)(2) of thePlan. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Authorized Leave of      Absence.  8 hours per day of absence for any leave of      absence authorized by the Company in accordance with uniform rules      applicable to all employees similarly situated, up to a maximum of 40      hours per week and an overall maximum of 13 weeks per period of absence,      reduced by any such hours which are credited as Hours of Service under      Section 4.01(a)(2) of the Plan. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.04 | Vesting      Service.  A Participant who is a Roaring Spring Mill      Employee shall be credited with Vesting Service as  follows: |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | A      Participant will be credited with Vesting Service as of January 1, 1976      equal to the full years and months (at the rate of 173 hours for each      completed month) of “credited service” standing to his credit on December      31, 1975 under the provisions of the Roaring Spring Mill Plan then in      effect, and |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | for      each Plan Year beginning on or after January 1, 1976, he will be credited      with 1 year of Vesting Service for each Plan Year in which he has at least      1,000 Hours of Service (whether before or after the date he became a      Participant). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.05 | Benefit      Service.  A Participant who is a Roaring Spring Mill      Employee shall receive Benefit Service as  follows: |
|-------|--------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Prior to January 1,      1971:  Benefit Service prior to January 1, 1971 will be      the total of each of the following: |
|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | each      full year of participation in the Original Trust (defined hereby to mean      the Combined Locks Profit Sharing Retirement Trust established by Trust      Agreement January 9, 1947, as amended) prior to January 1, 1971 and      subsequent to December 31, 1946 as defined in Section 6(g) of The Roaring      Spring Mill Retirement Trust United Paper Makers and Paper Workers, Local      422 as in effect on November 16,1977; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | each      year of employment defined by the Original Trust and required by the      Original Trust for the completion of its eligibility requirements in      accord with the |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | terms      of such Trust as it was in effect at the time any employee may have become      a Participant thereunder; |
|--------|----------------------------------------------------------------------------------------------------------------------|

|   | (3) | each      full year of employment, as defined by the Original Trust, prior to      January 1, 1971 and subsequent to December 31, 1946 during which a      Participant hereunder could have participated in the Original Trust but      chose not to do so, such years being designated as “nonparticipating      eligibility benefit service;” and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | the      period of full-time continuous employment, as defined under the Original      Trust, prior to January 1, 1947. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------|

| (b) | Between January 1,      1971 and January 1, 1976:  Benefit Service between      January 1, 1971 and January 1, 1976 will be the years (and fractions of a      year in completed months) of “credited service” as defined in the Roaring      Spring Mill Plan as in effect on December 31, 1975, for the period January      1, 1971 through December 31, 1975. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | On and After January      1, 1976:  For Plan Years beginning on and after January      1, 1976, Benefit Service will be granted to each Participant on the basis      of his total Hours of Service during such year and prior to his Normal      Retirement Date which are attributable to employment as an Eligible      Employee (“Eligible Hours”).  For this purpose, Hours of Service      credited for periods of absence from employment which immediately follow      employment as an Eligible Employee shall be deemed to be attributable to      employment as an Eligible Employee.  Any calendar year      subsequent to calendar year 1975 in which the Participant has 2,000      Eligible Hours will count as a full year of Benefit      Service.  Where the Participant’s total Eligible Hours of during      such calendar year are less than 2,000, a fraction of a year of Benefit      Service will be credited based on the ratio of his actual Eligible Hours      during such year to 2,000, rounded up to the nearest  tenth. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Conversion of Pre-1976      Years.  In the conversion of the aggregate credited      service accrued prior to January 1, 1976 into years (and fractions      thereof) of Benefit Service, any completed months of such aggregate shall      be converted to 10ths of a year of Benefit Service by converting each such      month to 166 hours and dividing by2,000. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.06 | Service Prior to Break      in Service.  A Participant who is a Roaring Spring Mill      Employee shall be credited with service prior to a Break in Service in      accordance with the following: |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | If      an employee with no vested rights under the Plan incurs five consecutive      Breaks in Service, and if the number of consecutive Breaks in Service      equals or exceeds the employee’s aggregate years of Vesting Service as of      the first such Break in Service, all of his Benefit Service and Vesting      Service prior to such first Break in Service shall be forever lost and      forfeited. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      aggregate number of years of Vesting Service shall not include any years      of Vesting Service that may be disregarded by reason of a prior      application of this Section H2.06 or corresponding provisions of the      Roaring Spring Mill Plan as previously in  effect. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

| (c) | Notwithstanding      the foregoing, a Participant’s Vesting Service and Benefit Service shall      not include any Vesting Service or Benefit Service which would be lost as      of December 31, 1984 under the provisions of Section 4.05 of the Roaring      Spring Mill Plan as in effect prior to January 1,  1985. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.07 | Additional Provision      Regarding Service with Affiliates, etc.  For a      Participant who is a Roaring Spring Mill Employee, in addition to the      provisions governing service with an Affiliate under Section 4.07 of the      Plan, no disability Retirement Benefit will be payable in the event of a      disability-caused Termination of Employment while employed by an      Affiliate. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.08 | Retirement      Pensions.  The following provisions regarding a      Participant’s Retirement Pension shall apply to Participants who are      Roaring Spring Mill Employees, except that any additional provisions      regarding Retirement Pensions contained in the Plan not superseded by the      following shall continue to apply to such  Participants. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Retirement      At or After Normal Retirement Age. |
|-----|----------------------------------------------------|

|   | (1) | If      a Participant who is a Roaring Spring Mill Employee terminates employment      at or after his Normal Retirement Age, he will be entitled to a Normal      Retirement Pension in a monthly amount determined by multiplying his years      of Benefit Service (including fractions of a year in completed months) as      of his Termination of Employment by a benefit formula as      follows: |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Date      of retirement from active employment and upon which employment      terminates:On or      After                                      Prior      to | Benefit Formula      | Benefit      Formula for Nonparticipating Eligibility Benefit Service [as defined in Section H2.05(a)(3)] |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------|-----------------------------------------------------------------------------------------------------------|
| 11/17/90                                                                                                                                                                                                                                                                                                                                                   | 11/17/91             | $20.00                                                                                                    | $11.50 |
| 11/17/91                                                                                                                                                                                                                                                                                                                                                   | 11/17/92             | $21.00                                                                                                    | $12.00 |
| 11/17/92                                                                                                                                                                                                                                                                                                                                                   | 11/17/93             | $22.00                                                                                                    | $12.50 |
| 11/17/93                                                                                                                                                                                                                                                                                                                                                   | 11/17/94             | $23.00                                                                                                    | $13.00 |
| 11/17/94                                                                                                                                                                                                                                                                                                                                                   | 11/17/97             | $24.00                                                                                                    | $13.00 |
| 11/17/97                                                                                                                                                                                                                                                                                                                                                   | 11/17/98             | $28.00                                                                                                    | $13.50 |
| 11/17/98                                                                                                                                                                                                                                                                                                                                                   | 11/17/99             | $29.50                                                                                                    | $14.00 |
| 11/17/99                                                                                                                                                                                                                                                                                                                                                   | 11/17/00             | $30.50                                                                                                    | $14.50 |
| 11/17/00                                                                                                                                                                                                                                                                                                                                                   | 11/12/01             | $31.50                                                                                                    | $14.50 |
| 11/12/01                                                                                                                                                                                                                                                                                                                                                   | 11/17/01             | $39.50                                                                                                    | $15.00 |
| 11/17/01                                                                                                                                                                                                                                                                                                                                                   | 11/17/03             | $40.00                                                                                                    | $15.00 |
| 11/17/03                                                                                                                                                                                                                                                                                                                                                   |  -      - - - - | $41.00                                                                                                    | $15.00 |

|   |        (2) | Notwithstanding any statements to the contrary set forth herein,      the monthly benefit determined under Paragraph (1) above with respect to      Benefit Service described in Section H2.05(a)(1)(A) and (C) shall be      reduced by the amount of monthly annuity which is the Actuarial Equivalent      of the Participant’s share of the Trust Fund as defined and made available      under the terms of The Roaring Spring Retirement Trust United Paper Makers      and Paper Workers, Local 422, as in effect at the time the benefit is      payable under the terms of this Plan, stated as a full cash refund annuity      determined in accordance with the actuarial assumptions set forth in      Section H2.11(f) of this Plan.  (The actual distribution to any      Participant under The Roaring Spring Retirement Trust United Paper Makers      and Paper Workers, Local 422, shall not be subject to any effect by the      provisions of this Plan and shall be payable only in accord with the rules      of that Trust.) |
|--------|-----------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Notwithstanding      any other provision of the Plan, if a Participant is credited with an Hour      of Service on or after January 1, 1988, the amount of the Normal      Retirement Pension of such Participant, if he continues in employment his      Normal Retirement Date, will be calculated based on Benefit Service      accrued before and after his Normal Retirement  Date. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Early Retirement      Pension. |
|-----|--------------------------------|

|   | (1) | If      a Participant who is a Roaring Spring Mill Employee terminates employment      on or after the date he has both reached age 55 and completed at least 10      years of Vesting Service (and before his Normal Retirement Age), he will      be eligible to receive an Early Retirement  Pension. |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Such      Early Retirement Pension will be whichever benefit described in Paragraphs      (A) or (B) below as the Participant elects, in a time and manner as the      Committee may prescribe: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | Payment at Normal      Retirement Date.  A Retirement Pension starting on his      Normal Retirement Date in a monthly amount determined under Section      H2.08(a) based on his Benefit Service and the benefit formula in effect at      his Termination of Employment. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Payment      Before Normal Retirement Date. |
|--------|-----|---------------------------------------------|

|   | (i) | Effective      as of November 12, 2001, a Retirement Pension starting on the first day of      any month coincident with or following the date his employment terminates      and before his Normal Retirement Date, in a monthly amount determined      under Paragraph (A) above, reduced asfollows: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      atPensionCommencement          Date           | Percentage      ofPension      PayablePrior      to NormalRetirement Date |
|------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------|
| 64                                                                                                                                                         | 100%                                                                      |
| 63                                                                                                                                                         | 100%                                                                      |
| 62                                                                                                                                                         | 100%                                                                      |
| 61                                                                                                                                                         | 95%                                                                       |
| 60                                                                                                                                                         | 90%                                                                       |
| 59                                                                                                                                                         | 85%                                                                       |
| 58                                                                                                                                                         | 80%                                                                       |
| 57                                                                                                                                                         | 75%                                                                       |
| 56                                                                                                                                                         | 70%                                                                       |
| 55                                                                                                                                                         | 65%                                                                       |

| Age      atPensionCommencement          Date           | Percentage      ofPension      PayablePrior      to NormalRetirement Date |
|------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------|
| 64                                                                                                                                                         | 100%                                                                      |
| 63                                                                                                                                                         | 100%                                                                      |
| 62                                                                                                                                                         | 100%                                                                      |
| 61                                                                                                                                                         | 80%                                                                       |
| 60                                                                                                                                                         | 75%                                                                       |
| 59                                                                                                                                                         | 70%                                                                       |
| 58                                                                                                                                                         | 65%                                                                       |
| 57                                                                                                                                                         | 60%                                                                       |
| 56                                                                                                                                                         | 55%                                                                       |
| 55                                                                                                                                                         | 50%                                                                       |

| (c) | Vested Retirement      Pension. |
|-----|---------------------------------|

|   | (1) | Upon      the Termination of Employment of a Participant who is a Roaring Spring      Mill Employee and who (A) has accrued at least one Hour of Service on or      after January 1, 1989, (B) is not eligible for a Retirement Pension under      Section H2.08(a) or H2.08(b) and (C) has completed at least five (5) years      of Vesting Service, such Participant will be eligible to receive a vested      Retirement Pension. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Such      vested Retirement Pension will start on the Participant’s Normal      Retirement Date in a monthly amount determined in accordance with Section      H2.08(a)(1), or if the Participant so elects (in a time and manner as the      Committee may prescribe), on the first day of any month prior to his      Normal Retirement Date, and coinciding with or following his 55th      birthday in a reduced amount as provided in Section      H2.08(b)(2)(B). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Reemployment Before      Pension Commencement Date.  If a Participant who is a      Roaring Spring Mill Employee and who is entitled to a Retirement Pension      is reemployed by the Company before his Pension Commencement Date,      benefits based on his Benefit Service credited after such reemployment      will be based on the benefit formula in effect at the time of his      subsequent Termination of Employment.  In such event, the amount      of Retirement Pension payable with respect to Benefit Service credited      prior to such reemployment will not be increased by any applicable      increase in the benefit formula that may have occurred subsequent to the      date of such previous Termination of Employment, until the Participant has      been reemployed for a period of continuous active employment of at least      12 months. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Participants Not      Actively At Work.  If a Participant who is a Roaring      Spring Mill Employee is not actively at work immediately prior to his      Termination of Employment because of layoff, medical leave of absence or      other authorized leave of absence, his Retirement Pension (if any) under      this Plan will be based on the benefit formula as in effect under the Plan      no later than the last day that he was actively at work as an Eligible      Employee. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Total and Permanent      Disability Benefit. |
|-----|----------------------------------------------|

|   | (1) | Application.  The      benefit provided hereunder is intended to be a disability auxiliary      benefit as described in Treasury Regulation section 1.401(a)-20;      A-10(c).  Thus, the annuity starting date for a Participant      receiving a Total and Permanent Disability benefit does not occur until      the Participant attains Normal Retirement Age and such Participant’s      Surviving Spouse, if any, would be entitled to the Pre-Retirement      Surviving Spouse Annuity described in Article 6 of the Plan if the      Participant dies before Normal Retirement Age (or the commencement of      benefits under any of the other provisions of Section H2.08 or Article 5,      as applicable). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Eligibility      Requirements.  A Participant shall be eligible for Total      and Permanent Disability benefit payments from the Plan upon meeting all      the following |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | requirements      for “Total and Permanent Disability” for purposes of this Section      2.08(f): |
|--------|---------------------------------------------------------------------------------------------------------------|

|   | (A) | The      Participant has not retired under any other provision of this      Plan; |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (B) | The      Participant has 10 or more years of Benefit  Service; |
|--------|-----|----------------------------------------------------------------|

|   | (C) | The      Participant, on the basis of medical evidence satisfactory to the Company,      is found to be both wholly and permanently prevented from engaging in any      occupation or employment for wage or profit as a result of bodily injury      or disease, either occupational or non-occupational in cause, but      excluding disabilities resulting from service in the armed forces of any      country (which shall be the definition of the term “Disability” for      purposes of this Section H2.08(f));and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (D) | The      Participant’s Termination of Employment with the Company is on account of      the Participant’s Disability. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Manner of      Payment.  Payments shall be made monthly and shall be due      immediately after the period covered by the Weekly Accident and Sickness      Plan for which the Participant is eligible, or upon application date of      approved claim for Total and Permanent Disability, or after the expiration      of a period of six months following the commencement of such period of      Disability, whichever is later.  Payments shall continue during      the period of Total And Permanent Disability until the earliest of the      attainment of Normal Retirement Age, death or recovery from such      Disability. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Amount of      Payment.  Subject to Subsection (5) below, the monthly      amount of a Participant’s Disability Retirement Pension shall be double      the amount determined under Section H2.08(a), based  on: |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | the      benefit formula applicable to terminations of employment occurring on the      date of the Participant’s last day of actual work prior to his Termination      of Employment on account of Disability,and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | his      Benefit Service as of such date, together with any additional Benefit      Service credited to him thereafter as a result of crediting Hours of      Service under Section H2.03(a) with respect to the period of his      Disability. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Reduction of      Payment.  Unless waived by the Company, the Total and      Permanent Disability monthly payments shall be reduced by the amount of      any worker’s compensation or disability benefit receivable for a      concurrent period by the Participant under any law, except to the extent      such payments are provided by a specific tax, contribution or other      payment paid by the Participant. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | (6) | Optional      Retirement.  During the Disability, the Participant may      elect to stop receiving Total and Permanent Disability payments at an      optional early retirement age between 55 and 65 and start to receive the      benefit provided under Section H2.08(a) or (b) of the  Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | Continued Proof of      Disability.  Proof of the continuance of the Disability      may be required by the Committee at any time, but no more than once per      year after the first year of Disability.  Such proof may consist      of the required medical statement forms completed by the Participant’s      physician and approved by a physician designated by the      Company.  If there is no agreement between the two      aforementioned physicians, a third physician satisfactory to the      Participant and the Company shall be asked to resolve the      question.  If such Participant is deemed to be able to return to      work and the Company refuses to accept such Participant for employment,      payments will be continued until he is accepted for      employment. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (8) | Recovery from      Disability.  If a Participant recovers from his      Disability prior to his Normal Retirement Age, his Disability Retirement      Pension shall cease.  If the Participant returns to the employ      of the Company or an Affiliate within ninety (90) days after the end of      his Disability and prior to his working full-time for any other person      (disregarding any employment which is primarily for the purpose of      rehabilitation), he shall continue as a Participant under the Plan and the      period of his Disability shall not be treated as a Break in Service, but      no Vesting Service or Benefit Service shall be credited for the period of      Disability.  Upon his subsequent retirement or other Termination      of Employment, the benefits based on his Benefit Service credited prior to      his Disability shall be determined based on the benefit formula in effect      on the Participant’s last day of actual work prior to his Termination of      Employment on account of Disability, and the benefits based on his Benefit      Service credited after his return shall be determined based on the benefit      formula in effect at the time of his subsequent retirement or other      Termination of Employment.  If the Participant recovers from his      Disability prior to his Normal Retirement Age and does not return to the      employ of the Company or an Affiliate within the aforesaid 90-day period,      or is he refuses to submit proof of continued Disability as required under      Subsection (7) above, he shall be deemed to have terminated his employment      with the Company as of the date of his Termination of Employment on      account of Disability, no Vesting Service or Benefit Service or Hours of      Service shall be credited for any period after that date, and his right,      if any, to benefits under the Plan shall be determined on that      basis. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | (9) | Maximum Benefit      Period. |
|--------|-----|------------------------------|

|   | (A) | For      Disability commencing before Participant’s attainment of age 60 – age      65. |
|--------|-----|-----------------------------------------------------------------------------------------------------|

|   | (B) | Disability      commencing on or after Participant’s attainment of age 60 – 60      months. |
|--------|-----|---------------------------------------------------------------------------------------------------------|

| H2.09 | Special Spouse Benefit      Inapplicable.  For Participants who are Roaring Spring      Mill Employees, the “Special Spouse Benefit” described in Article 6 of the      Plan shall not apply. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.10 | Additional Methods of      Payment Provisions for Roaring Spring Mill Employees.  In      addition to the methods of payment provisions set forth in Article 7 of      the Plan or Section H2.08(f) (relating to the Total and Permanent      Disability Benefit), for Participants who are Roaring Spring Mill      Employees the following additional or alternative provisions regarding      methods of payment shall apply, subject to the restrictions on electing an      optional form of payment under Section 7.04 of the  Plan: |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Additional Condition      for 75% or 100% Surviving Spouse Option.  Notwithstanding      the provisions of Section 7.05(b) of the Plan, if a Participant who is a      Roaring Spring Mill Employee dies before his Pension Commencement Date,      the Participant’s election of the 75% or 100% Surviving Spouse Option will      be null and void. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Offset for Accident or      Sickness Benefits.  Notwithstanding anything in this Plan      to the contrary, no pension payments shall be payable to a Participant who      is a Roaring Spring Mill Employee with respect to any period for which      weekly accident or sickness benefits are payable to him under any Plan to      which the Company has contributed.  If such accident and      sickness benefits during any month are payable for a period of less than      four and one-third weeks, the monthly pension payable for that period      shall be reduced by the percentage which such period of accident and      sickness benefits is of four and one-third  weeks. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| H2.11 | Additional or      Alternative Actuarial Assumptions.  The following      additional or alternative actuarial assumptions shall apply, as      applicable, with respect to a Participant who is a Roaring Spring Mill      Employee in lieu of any actuarial assumptions given in Appendix A to the      Plan which would otherwise apply.  The actuarial assumptions set      forth in Appendix A or this Section H2.11, as applicable, shall be used to      determine benefits for Participants who are Roaring Spring Mill Employees      and who either separate from service or accrue benefits on or after      January 1, 1984.  For all other such Participants, actuarial      determinations governing benefits under the Plan or the Roaring Spring      Mill Plan shall be made in accordance with the Roaring Spring Mill Plan as      in effect before January 1, 1984. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | 50% Joint and      Surviving Spouse Annuity.  The following table shows the      percentage of the basic monthly Retirement Pension payable to a      Participant who is a Roaring Spring Mill Employee and continuing to his      Surviving Spouse at one-half the rate (i.e., 50%) after his death during      the remaining lifetime of suchSpouse. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |  Age      of Participant  |
|----------------------------|-------------------------------------|
|                       | 55                                  | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 94.2                                | 93.6 | 93.0 | 92.3 | 91.6 | 90.8 | 90.0 | 89.0 | 88.1 | 87.0 | 85.9 |
| 64                         | 93.8                                | 93.2 | 92.5 | 91.8 | 91.1 | 90.3 | 89.4 | 88.4 | 87.4 | 86.3 | 85.2 |
| 63                         | 93.4                                | 92.7 | 92.1 | 91.3 | 90.6 | 89.7 | 88.8 | 87.8 | 86.8 | 85.7 | 84.5 |
| 62                         | 92.9                                | 92.3 | 91.6 | 90.8 | 90.0 | 89.1 | 88.2 | 87.2 | 86.1 | 85.0 | 83.8 |
| 61                         | 92.5                                | 91.9 | 91.1 | 90.3 | 89.5 | 88.6 | 87.6 | 86.6 | 85.5 | 84.3 | 83.1 |
| 60                         | 92.1                                | 91.4 | 90.7 | 89.8 | 89.0 | 88.0 | 87.0 | 86.0 | 84.8 | 83.6 | 82.4 |
| 59                         | 91.7                                | 91.0 | 90.2 | 89.3 | 88.4 | 87.5 | 86.4 | 85.4 | 84.2 | 83.0 | 81.7 |
| 58                         | 91.2                                | 90.5 | 89.7 | 88.8 | 87.9 | 86.9 | 85.9 | 84.8 | 83.6 | 82.4 | 81.0 |
| 57                         | 90.8                                | 90.0 | 89.2 | 88.3 | 87.4 | 86.4 | 85.3 | 84.2 | 83.0 | 81.7 | 80.4 |
| 56                         | 90.4                                | 89.6 | 88.7 | 87.8 | 86.9 | 85.8 | 84.7 | 83.6 | 82.4 | 81.1 | 79.8 |
| 55                         | 89.9                                | 89.1 | 88.3 | 87.3 | 86.3 | 85.3 | 84.2 | 83.0 | 81.8 | 80.5 | 79.2 |
| 54                         | 89.5                                | 88.7 | 87.8 | 86.9 | 85.8 | 84.8 | 83.7 | 82.5 | 81.2 | 79.9 | 78.6 |
| 53                         | 89.1                                | 88.2 | 87.3 | 86.4 | 85.4 | 84.3 | 83.1 | 81.9 | 80.7 | 79.4 | 78.0 |
| 52                         | 88.7                                | 87.8 | 86.9 | 85.9 | 84.9 | 83.8 | 82.6 | 81.4 | 80.1 | 78.8 | 77.4 |
| 51                         | 88.3                                | 87.4 | 86.4 | 85.4 | 84.4 | 83.3 | 82.1 | 80.9 | 79.6 | 78.3 | 76.9 |
| 50                         | 87.8                                | 87.0 | 86.0 | 85.0 | 83.9 | 82.8 | 81.6 | 80.4 | 79.1 | 77.8 | 76.4 |

| (b) | 5% Joint and Surviving      Spouse Option.  The following table shows the percentage      of the basic monthly Retirement Pension payable to a Participant who is a      Roaring Spring Mill Employee and continuing to his Surviving Spouse at      three-fourth the rate (i.e., 75%) after his death during the remaining      lifetime of such Spouse. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |  Age      of Participant |
|----------------------------|-------------------------------|
|                       | 55                            | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 91.5                          | 90.7 | 89.8 | 88.9 | 87.9 | 86.8 | 85.7 | 84.4 | 83.1 | 81.7 | 80.2 |
| 64                         | 90.9                          | 90.1 | 89.2 | 88.2 | 87.2 | 86.1 | 84.9 | 83.6 | 82.2 | 80.8 | 79.3 |
| 63                         | 90.4                          | 89.5 | 88.6 | 87.6 | 86.5 | 85.3 | 84.1 | 82.8 | 81.4 | 79.9 | 78.4 |
| 62                         | 89.8                          | 88.9 | 87.9 | 86.9 | 85.8 | 84.6 | 83.3 | 81.9 | 80.5 | 79.0 | 77.5 |
| 61                         | 89.2                          | 88.3 | 87.3 | 86.2 | 85.0 | 83.8 | 82.5 | 81.1 | 79.7 | 78.2 | 76.6 |
| 60                         | 88.6                          | 87.6 | 86.6 | 85.5 | 84.3 | 83.1 | 81.7 | 80.3 | 78.9 | 77.3 | 75.7 |
| 59                         | 88.0                          | 87.0 | 86.0 | 84.8 | 83.6 | 82.3 | 81.0 | 79.5 | 78.0 | 76.5 | 74.9 |
| 58                         | 87.4                          | 86.4 | 85.3 | 84.1 | 82.9 | 81.6 | 80.2 | 78.8 | 77.2 | 75.7 | 74.0 |
| 57                         | 86.8                          | 85.8 | 84.6 | 83.5 | 82.2 | 80.9 | 79.5 | 78.0 | 76.5 | 74.9 | 73.2 |
| 56                         | 86.2                          | 85.1 | 84.0 | 82.8 | 81.5 | 80.2 | 78.7 | 77.3 | 75.7 | 74.1 | 72.4 |
| 55                         | 85.6                          | 84.5 | 83.4 | 82.1 | 80.8 | 79.5 | 78.0 | 76.5 | 75.0 | 73.4 | 71.7 |
| 54                         | 85.1                          | 83.9 | 82.7 | 81.5 | 80.2 | 78.8 | 77.3 | 75.8 | 74.3 | 72.6 | 71.0 |
| 53                         | 84.5                          | 83.3 | 82.1 | 80.9 | 79.5 | 78.1 | 76.7 | 75.1 | 73.6 | 71.9 | 70.3 |
| 52                         | 83.9                          | 82.8 | 81.5 | 80.2 | 78.9 | 77.5 | 76.0 | 74.5 | 72.9 | 71.3 | 69.6 |
| 51                         | 83.4                          | 82.2 | 80.9 | 79.6 | 78.3 | 76.9 | 75.4 | 73.9 | 72.3 | 70.6 | 68.9 |
| 50                         | 82.8                          | 81.6 | 80.4 | 79.1 | 77.7 | 76.3 | 74.8 | 73.2 | 71.6 | 70.0 | 68.3 |

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

| (c) | 100% Joint and      Surviving Spouse Option.  The following table shows the      percentage of the basic monthly Retirement Pension payable to a      Participant who is a Roaring Spring Mill Employee and continuing to his      Surviving Spouse at the same rate after his death (i.e., 100%) during the      remaining lifetime of such Spouse). |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse |  Age      of Participant  |
|----------------------------|-------------------------------------|
|                       | 55                                  | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 89.0                                | 88.0 | 86.9 | 85.7 | 84.5 | 83.2 | 81.7 | 80.2 | 78.7 | 77.0 | 75.3 |
| 64                         | 88.3                                | 87.2 | 86.1 | 84.9 | 83.6 | 82.2 | 80.8 | 79.3 | 77.6 | 75.9 | 74.2 |
| 63                         | 87.5                                | 86.5 | 85.3 | 84.1 | 82.7 | 81.3 | 79.8 | 78.3 | 76.6 | 74.9 | 73.1 |
| 62                         | 86.8                                | 85.7 | 84.5 | 83.2 | 81.9 | 80.4 | 78.9 | 77.3 | 75.6 | 73.9 | 72.1 |
| 61                         | 86.1                                | 84.9 | 83.7 | 82.4 | 81.0 | 79.5 | 78.0 | 76.3 | 74.6 | 72.9 | 71.0 |
| 60                         | 85.4                                | 84.2 | 82.9 | 81.6 | 80.1 | 78.6 | 77.0 | 75.4 | 73.7 | 71.9 | 70.0 |
| 59                         | 84.6                                | 83.4 | 82.1 | 80.7 | 79.3 | 77.7 | 76.1 | 74.5 | 72.7 | 70.9 | 69.1 |
| 58                         | 83.9                                | 82.6 | 81.3 | 79.9 | 78.4 | 76.9 | 75.2 | 73.6 | 71.8 | 70.0 | 68.1 |
| 57                         | 83.2                                | 81.9 | 80.5 | 79.1 | 77.6 | 76.0 | 74.4 | 72.7 | 70.9 | 69.1 | 67.2 |
| 56                         | 82.4                                | 81.1 | 79.8 | 78.3 | 76.8 | 75.2 | 73.5 | 71.8 | 70.0 | 68.2 | 66.4 |
| 55                         | 81.7                                | 80.4 | 79.0 | 77.5 | 76.0 | 74.4 | 72.7 | 71.0 | 69.2 | 67.4 | 65.5 |
| 54                         | 81.0                                | 79.7 | 78.2 | 76.8 | 75.2 | 73.6 | 71.9 | 70.2 | 68.4 | 66.6 | 64.7 |
| 53                         | 80.3                                | 79.0 | 77.5 | 76.0 | 74.4 | 72.8 | 71.1 | 69.4 | 67.6 | 65.8 | 63.9 |
| 52                         | 79.6                                | 78.3 | 76.8 | 75.3 | 73.7 | 72.1 | 70.4 | 68.6 | 66.9 | 65.0 | 63.2 |
| 51                         | 79.0                                | 77.6 | 76.1 | 74.6 | 73.0 | 71.4 | 69.7 | 67.9 | 66.1 | 64.3 | 62.5 |
| 50                         | 78.3                                | 76.9 | 75.4 | 73.9 | 72.3 | 70.7 | 69.0 | 67.2 | 65.5 | 63.6 | 61.8 |

| (d) | Additional Factors for      Code Section 415 Limits.  In addition to the interest      rate and mortality tables listed at Section 1.04 of Appendix A to the      Plan, the following factors shall apply to Roaring Spring Mill      Employees: |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  For      Retirement Pensions payable in a form other than an annuity for life only      or a qualified joint and survivor annuity, 5% shall be    used. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Mortality:  For      payments made prior to July 1, 1996, the 1971 Group Annuity Mortality      Table projected to 1978 according to Scale E (males, 3 year      setback). |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Suspended or Duplicate      Benefits.  For purposes of all calculations to which      Section 1.05 of Appendix A applies, for Participants who are Roaring      Spring Mill Employees, the following factors  apply: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

|   | (1) | Interest:  8.25%. |
|--------|-----|-----------------------------|

|   | (2) | Mortality:  The      1971 Group Annuity Mortality Table projected to 1978 according to Scale E      (males, 3 year setback). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

| (f) | Trust Fund      Offset:  For purposes of reducing a Participant’s benefit      payable under the Roaring Spring, Pennsylvania Mill of Appleton Papers      Inc. Retirement Plan as provided in Section H2.08(a)(2), the following      shall be used:  [to besupplied]. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g) | All Other      Equivalencies:  For purposes of all calculations to which      Section 1.08 of Appendix A to the Plan applies, for Participants who are      Roaring Spring Mill Employees, the Mortality Table used shall be the 1971      Group Annuity Mortality Table projected to 1978 according to Scale E      (males, 3 year setback). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | SUPPLEMENT      H- |   |
|--------|--------------------|--------|

----

| I1.01 | Special      Definitions. |
|-------|---------------------------|

| (a) | Harrisburg      Plant Plan:  The term “Harrisburg Plant Plan” means the      Retirement Plan for Employees of the Harrisburg, Pennsylvania Plant of      Appleton Papers Inc. Represented by Paper, Allied-Industrial, Chemical and      Energy Workers International Union, Local 1098, as in effect immediately      prior to its merger into the Plan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | API      Non-Bargaining Unit Plan:  The term “API Non-Bargaining Unit      Plan,” as well as references in this Supplement H to the “Plan,” means the      Appleton Papers Inc. Retirement Plan for Non-Bargaining Unit      Employees. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Harrisburg      Plant Employee:  The term “Harrisburg Plant Employee” means an      hourly employee of the Company employed at its Harrisburg, Pennsylvania,      plant and represented by the Union, excluding any such employee who is      eligible to actively participate in any other retirement, pension or      profit-sharing plan established by the Company or to which the Company      makes contributions on his behalf (other than the Appleton Papers      Retirement Savings and Employee Stock Ownership  Plan). |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Termination      of Employment:  The term “Termination of Employment” for      purposes of this Supplement H for Harrisburg Plant Employees, in lieu of      the definition of such term set forth in Section 1.40 of the Plan, shall      mean a termination of employment, or with respect to a Participant or      employee who terminates employment, or the like, such term means an      employee’s ceasing to be in the active employ of the Company (irrespective      of any seniority rights or recall rights) for any reason (including quit,      discharge, disability, |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | layoff,      retirement, or entrance into military service) other than death or an      authorized leave of absence. |
|--------|----------------------------------------------------------------------------------------------------------------------|

| (e) | Union:  The      term “Union” means the Paper, Allied-Industrial, Chemical and Energy      Workers International Union, Local1098. |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------|

| I1.02 | Effective      Date.  The effective date of the merger of the Harrisburg      Plant Plan into the API Non-Bargaining Unit Plan is January 1,      2002. |
|-------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I1.03 | Transfer of Trust      Assets and Liabilities.  The assets and liabilities      constituting the trust fund under the Harrisburg Plant Plan shall be      merged into and become a part of the trust fund under the API      Non-Bargaining Unit Plan, effective January 1,  2002. |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I1.04 | Transfer of Benefit      Obligations from Harrisburg Plant Plan.  All Participants      and beneficiaries having a beneficial interest in or with respect to the      Harrisburg Plant Plan on or as of January 1, 2002, shall, on and after      January 1, 2002, look solely to the API Non-Bargaining Unit Plan for such      benefits, in lieu of any and all interest they had or may have had with      respect to the Harrisburg PlantPlan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I1.05 | No Acceleration of      Vesting.  In no event shall the merger of the Harrisburg      Plant Plan into this Plan operate to accelerate any Participant’s vested      interest in an Accrued Benefit under the Harrisburg Plant Plan subject in      all events to the requirements of Code Section  411(a)(10). |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I1.06 | Effect of Compliance      Amendments.  The API Non-Bargaining Unit Plan was amended      effective January 1, 2002 (with retroactive effect, as and where      applicable, to comply with the legislation collectively known as “GUST”);      such amendments which were made to conform the Plan to the law shall be      deemed to have been made in the same manner and effective as of the same      time with respect to the corresponding provisions of the Harrisburg Plant      Plan prior to the merger. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.01 | Participation.  Effective      January 1, 2002, the term “Participant” shall include Harrisburg Plant      Employees who were Participants (or beneficiaries) under the Harrisburg      Plant Plan as of December 31, 2001.  Further, the term “Eligible      Employee” under the Plan shall include a Harrisburg Plant Employee.      Eligible Employees who are Harrisburg Plant Employees and whose Employment      Date is January 1, 2002 or later shall become Participants in the Plan as      set forth in Article 2 thereof. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.02 | Additional Provision      Regarding Break in Service.  In addition to the      provisions regarding Breaks in Service set forth in Section 1.07 of the      Plan, solely for purposes of determining whether a Break in Service has      occurred for eligibility and vesting purposes, Hours of Service shall      include each hour, in addition to Hours of Service as determined in      Sections 4.01      and 4.02 of the Plan, that would be a regularly scheduled working hour for      the Company but for the employee’s absence for such layoff during a period      not to exceed 12 months or the period during which he has recall rights      under the collective bargaining agreement with the Union, if greater,      provided that he returns to work with the Company within 5 days of any      recall. |
|-------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| I2.03 | Alternative Provision      Regarding Hours of Service.  Notwithstanding anything in      Section 4.01(a)(5) of the Plan to the contrary, an authorized leave of      absence for which Hours of Service are counted for a Harrisburg Plant      Employee shall consist of a period not to exceed 3 months in which the      employee is absent from employment with the Company on such authorized      leave of absence, reduced by any such hours which are credited as Hours of      Service under Paragraph 4.01(a)(2) of thePlan. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.04 | Eligible Hours for      Calculating Benefit Service.  Eligible Hours for      calculating Benefit Service for Harrisburg Plant Employees shall be      determined as follows: |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Benefit      Service is generally based on the number of Eligible Hours credited to a      Participant in a Plan Year. |
|-----|------------------------------------------------------------------------------------------------------------------------|

| (b) | A      Participant’s Eligible Hours will consist only of the following Hours of      Service which are credited for employment as an Eligible      Employee: |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Hours      of Service credited in accordance with Section 4.01(a)(1) of the Plan      (“Paid Working Time”); |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Hours      of Service credited in accordance with Section 4.01(a)(2) of the Plan      (“Paid Absence”) for: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------|

|   | (A) | paid      vacation, holidays and similar paidabsences, |
|--------|-----|--------------------------------------------------------|

|   | (B) | jury      duty, |
|--------|-----|-----------------|

|   | (C) | funeral      leave, and |
|--------|-----|-------------------------|

|   | (D) | the      first three months of paid absence for sickness or    disability; |
|--------|-----|----------------------------------------------------------------------------|

|   | (3) | Hours      of Serviced credited in accordance with either Section 4.01(a)(2) or      4.01(a)(5) (as modified by Section I2.03 above) for the first three months      of an authorized leave of absence; |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Hours      of Service credited in accordance with Section 4.01(a)(3) of the Plan      (“Military Service”); and |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Hours      of Service credited in accordance with Section 4.01(a)(4) (“Back Pay      Awards”) in respect of periods described in Sections 4.01(a)(1) through      (4) of the Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| I2.05 | Vesting      Service.  A Participant who is a Harrisburg Plant      Employee shall be credited with Vesting Service as  follows: |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | a      Participant will be credited with Vesting Service as of January 1, 1976      equal to the “Credited Service” standing to his credit on December 31,      1975 under the provisions of the Harrisburg Plant Plan as then in effect,      and |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | for      each Plan Year beginning on or after January 1, 1976, he will be credited      with 1 year of Vesting Service for each Plan Year in which he has at least      1,000 Hours of Service (whether before or after the date he became      Participant). |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.06 | Benefit      Service.  A Participant who is a Harrisburg Plant      Employee shall receive Benefit Service as  follows: |
|-------|-----------------------------------------------------------------------------------------------------------------------------------|

| (a) | Prior      to January 1, 1976:  Benefit Service prior to January 1, 1976      will be the number of full years and fractions of a year in completed      months of “Credited Service,” as defined in the Harrisburg Plant Plan      immediately prior to January 1, 1976.  For this purpose,      completed months in excess of the number of such full years will be      converted to tenths of years by crediting 1/12 of a year for each such      month and rounding up to the nearest tenth of a  year. |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | On or After January 1,      1976:  For Plan Years beginning on or after January 1,      1976, Benefit Service will be granted to each Participant on the basis of      his total Eligible Hours during such year and prior to his Normal      Retirement Date as follows:  If the Participant’s regularly      scheduled work week throughout such Plan Year is at least 40 hours, he      will be credited with one year of Benefit Service for each such Plan Year      during which he completes at least 2,000 Eligible Hours.  If the      Participant’s regularly scheduled work week is not at least 40 hours      throughout such year, he will be credited with one year of Benefit Service      for each such Plan Year during which he completes the number of Eligible      Hours determined in accordance with the following  formula: |
|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.07 | Service Prior to Break      in Service.  A Participant who is a Harrisburg Plant      Employee shall be credited with service prior to a Break in Service in      accordance with the following: |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | If      an employee with no vested rights under the Plan incurs five consecutive      Breaks in Service, and if the number of consecutive Breaks in Service      equals or exceeds the |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | employee’s      aggregate years of Vesting Service as of the first such Break in Service,      all of his Benefit Service and Vesting Service prior to such first Break      in Service will be forever lost andforfeited. |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Such      aggregate number of years of Vesting Service shall not include any years      of Vesting Service that may be disregarded by reason of a prior      application of this Section I2.07 or corresponding provisions of the      Harrisburg Plant Plan as previously ineffect. |
|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Notwithstanding      the foregoing, a Participant’s Vesting Service and Benefit Service shall      not include any Vesting Service or Benefit Service which would be lost as      of December 31, 1984 under the provisions of Section 4.06 of the      Harrisburg Plant Plan as in effect prior to January 1,    1985. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.08 | Retirement      Pensions.  The following provisions regarding a      Participant’s Retirement Pension shall with apply respect to Participants      who are Harrisburg Plant Employees, except that any additional provisions      regarding Retirement Pensions contained in the Plan not superseded by the      following shall continue to apply to such  Participants. |
|-------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Retirement At or After      Normal Retirement Age. |
|-----|----------------------------------------------------|

|   | (1) | If      a Participant who is a Harrisburg Plant Employee terminates employment at      or after his Normal Retirement Age, he will be entitled to a Normal      Retirement Pension in a monthly amount determined by multiplying his years      of Benefit Service (including proportionate credit for each tenth of a      year) as of his Termination of Employment by a benefit formula as      follows: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Date      upon which employment terminates(or,      if earlier, Normal Retirement BenefitDate is      attained):                                                           | Benefit      Formula             |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------|
| On or      After                                                    Prior to                                                                                                                             |
| April      11, 1995                                                                                                                                                                                                                                                                                                                                                                                                                                                          | March      25, 1996              | 22.50 |
| March      25, 1996                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 1997              | 23.75 |
| April      11, 1997                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 1998              | 24.75 |
| April      11, 1998                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 1999              | 25.25 |
| April      11, 1999                                                                                                                                                                                                                                                                                                                                                                                                                                                          | October      22, 1999            | 26.75 |
| October      22, 1999                                                                                                                                                                                                                                                                                                                                                                                                                                                        | April      11, 2002              | 28.50 |
| April      11, 2002                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 2003              | 30.00 |
| April      11, 2003                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 2004              | 31.00 |
| April      11, 2004                                                                                                                                                                                                                                                                                                                                                                                                                                                          | April      11, 2005              | 32.00 |
| April      11, 2005                                                                                                                                                                                                                                                                                                                                                                                                                                                          |    -      - - - - | 33.00 |

----

|   | (2) | Notwithstanding      any other provision of the Plan, if a Participant is credited with an Hour      of Service on or after January 1, 1988, the amount of the Normal      Retirement Pension of such Participant, if he continues in employment      after his Normal Retirement Date, will be calculated based on Benefit      Service accrued before and after his Normal Retirement    Date. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (b) | Early Retirement      Pension. |
|-----|--------------------------------|

|   | (1) | If      a Participant who is a Harrisburg Plant Employee terminates employment on      or after the date he has both reached age 55 and completed at least 10      years of Vesting Service (and before his Normal Retirement Age), he will      be eligible to receive an Early Retirement  Pension. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Such      Early Retirement Pension will be whichever benefit described in Paragraphs      (A) or (B) below as the Participant elects, in a time and manner as the      Committee may prescribe: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | Payment at Normal      Retirement Date.  A Retirement Pension starting on his      Normal Retirement Date in a monthly amount determined under Section      I2.08(a) based on his Benefit Service and the benefit formula in effect at      his Termination of Employment. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | Payment Before Normal      Retirement Date.  A Retirement Pension starting on the      first day of any month coincident with or following the date his      employment terminates and before his Normal Retirement Date, in a monthly      amount determined under Paragraph (A) above, reduced in accordance with      the following table: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      at PensionCommencement Date | Percentage      of Pension PayablePrior to Normal Retirement    Date |
|--------------------------------------|----------------------------------------------------------------------|
| 64                                   | 91%      (effective 4/11/2002 – 100%)                          |
| 63                                   | 83%      (effective 4/11/2002 – 100%)                          |
| 62                                   | 76%      (effective 4/11/2002 – 100%)                          |
| 61                                   | 69%                                                                  |
| 60                                   | 64%                                                                  |
| 59                                   | 59%                                                                  |
| 58                                   | 55%                                                                  |
| 57                                   | 51%                                                                  |
| 56                                   | 47%                                                                  |
| 55                                   | 44%                                                                  |

----

| (c) | Special Early      Retirement. |
|-----|--------------------------------|

|   | (1) | A      Participant who is a Harrisburg Plant Employee will be eligible to receive      a Special Early Retirement Pension, in lieu of any Retirement Pension      payable in accordance with Section I2.08(b), if his employment terminates      while an Eligible Employee under the following    circumstances: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | he      has reached both age 55 and completed at least 10 years of Vesting      Service; |
|--------|-----|------------------------------------------------------------------------------------------|

|   | (B) | he      voluntarily elects to retire in response to a Company offer of the      benefits of this Section I2.08(c), or the Company has discharged him for      valid business reasons, other than for cause;  and |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | no      job or position is made available to him by the Company (a job or position      will be deemed available even if it involved a transfer or      reassignment). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Payment      of his Special Early Retirement Pension will start on the first day of the      month coincident with or next following his Termination of      Employment.  Such Special Early Retirement Pension will consist      of: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | A      monthly amount commencing on the Participant’s Normal Retirement Date,      determined under Section I2.08(a), but without any reduction for      commencement of payment prior to Normal Retirement Date, and payable in      accordance with Section 7.01 or 7.02 of the Plan, whichever is applicable,      and |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | An      additional monthly amount, equal to the monthly amount described in      Paragraph (A) above, but starting on the first day of the month coincident      with or next following his Termination of Employment and ending with the      monthly payment for the month prior to his Normal Retirement Date or the      month of his death, whichever occursfirst. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | In      determining (A) the period within which Qualified Elections may be made      pursuant to Section 7.02(b) of the Plan and (B) eligibility for a      Pre-retirement Surviving Spouse Annuity under Article 6 of the Plan, the      Pension Commencement Date of a Participant whose employment terminates      under this Section I2.08(c) shall be the date on which payment of the      Retirement Pension under Section I2.08(c)(2)(B)  starts. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (4) | Unless      the provisions of Section 7.02 of the Plan have been waived within 90 days      prior to the Pension Commencement Date established under Section      I2.08(c)(3) pursuant to a Qualified Election, the Surviving Spouse of a      Participant |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | who      terminates under this Section I2.08(c) shall be entitled to a monthly      benefit for life determined asfollows: |
|--------|----------------------------------------------------------------------------------------------------------------------------|

|   | (A) | If      the Participant dies before his Normal Retirement Date, his Surviving      Spouse will be entitled to a monthly benefit in the amount that would have      then become payable to such spouse under a Qualified Joint and Surviving      Spouse Annuity if the Participant’s benefits had begun in that form in an      amount determined under Section I2.08(b)(2)(B) rather than under Section      I2.08(c). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (B) | If      the Participant dies on or after his Normal Retirement Date, his Surviving      Spouse will be entitled to a monthly benefit in an amount that would then      become payable under a Qualified Joint and Surviving Spouse Annuity if the      Participant’s benefits had begun in that form in an amount determined      under Section I2.08(c)(2)(A) (i.e., no reduction shall be made for the      commencement of payment prior to Normal Retirement Date under Section      I2.08(b). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (d) | Vested Retirement      Pension. |
|-----|---------------------------------|

|   | (1) | Upon      the Termination of Employment of a Participant who is a Harrisburg Plant      Employee and who (A) has accrued at least on Hour of Service on or after      January 1, 1989 and (B) is not eligible for a Retirement Pension under      Sections I 2.08(a), I2.08(b) or I2.08(c) and (C) has completed at least      five (5) years of Vesting Service, such Participant will be eligible to      receive a Vested RetirementPension. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Such      Vested Retirement Pension will start on the Participant’s Normal      Retirement Date in a monthly amount determined in accordance with Section      I2.08(a)(1), or if the Participant so elects (in a time and manner as the      Committee may prescribe), on the first day of any month prior to his      Normal Retirement Date, and coinciding with or following his 55th      birthday in a reduced amount as provided in Section      I2.08(b)(2)(B). |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (e) | Reemployment Before      Pension Commencement Date.  If a Participant who is a      Harrisburg Plant Employee and who is entitled to a Retirement Pension is      reemployed by the Company before his Pension Commencement Date, benefits      based on his Benefit Service credited after such reemployment will be      based on the benefit formula in effect at the time of his subsequent      Termination of Employment.  In such event, the amount of      Retirement Pension payable with respect to Benefit Service credited prior      to such reemployment will not be increased by any applicable increase in      the benefit formula that may have occurred subsequent to the date of such      previous Termination of Employment, until the Participant has been      reemployed for a period of continuous active employment of at least 12      months. |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

| (f) | Participants Not      Actively At Work.  If a Participant is not actively at      work immediately prior to his Termination of Employment because of layoff,      medical leave of absence or other authorized leave of absence, his      Retirement Pension (if any) under this Plan will be based on the benefit      formula as in effect under the Plan no later than the last day that he was      actively at work. |
|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (g) | Total and Permanent      Disability Benefit. |
|-----|----------------------------------------------|

|   | (1) | Application.  The      benefit provided hereunder is intended to be a disability auxiliary      benefit as described in Treasury Regulation Section 1.401(a)-20;      A |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | 10(c).  Thus,      the annuity starting date for a Participant receiving a Total and      Permanent Disability Benefit does not occur until the Participant attains      Normal Retirement Age and such Participant’s surviving spouse, if any,      would be entitled to the Pre-Retirement Surviving Spouse Annuity described      in Article 6 if the Participant dies before Normal Retirement Age (or the      commencement of benefits under any of the other provisions of Section      I2.08 or Article 5, as applicable). |
|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Eligibility      Requirements.  A Participant shall be eligible for Total      and Permanent Disability Benefit payments from the Plan upon meeting all      of the following requirements for “Total and Permanent      Disability”: |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | The      Participant has not retired under any other provision of this      Plan; |
|--------|-----|-----------------------------------------------------------------------------------|

|   | (B) | The      Participant is not eligible for long-term disability benefits under any      other plan of the Company (due to pre-existing conditions, or      otherwise); |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (C) | The      Participant has 10 or more years of Benefit  Service; |
|--------|-----|----------------------------------------------------------------|

|   | (D) | The      Participant, on the basis of medical evidence satisfactory to the Company,      is found to be both wholly and permanently prevented from engaging in any      occupation or employment for wage or profit as a result of bodily injury      or disease, either occupational or non-occupational in cause, but      excluding disabilities resulting from service in the armed forces of any      country (which shall be the definition of the term “Disability” for      purposes of this Section I2.08(g));and |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (E) | The      Participant’s Termination of Employment with the Company is on account of      such Participant’s Disability. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | Manner of      Payment.  Payments shall be made monthly and shall be due      immediately after the period covered by the Weekly Accident and Sickness      Plan for which the Participant is eligible, or upon application date of      approved claim for Total and Permanent Disability, or after the expiration      of six months following the commencement of such period of Disability,      whichever is later.  Payments shall continue during the period      of Total and Permanent Disability untilthe |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | earliest      of the attainment of Normal Retirement Age, death or recovery from such      Disability. |
|--------|--------------------------------------------------------------------------------------------------------|

|   | (4) | Amount of      Payment.  Subject to Paragraph (5) below, the monthly      amount of a Participant’s Disability Retirement Pension shall be double      the amount determined under Section I2.08(a), based  on: |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | the      benefit formula applicable to terminations of employment occurring on the      date of the Participant’s last day of actual work prior to his Termination      of Employment on account of Disability;and |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   |  (B) | his      Benefit Service as of such date, together with any additional Benefit      Service credited to him thereafter as a result of the crediting of Hours      of Service under Section 4.01(a)(2) with respect to the period of his      Disability. |
|--------|-----------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (5) | Reduction of      Payment.  Unless waived by the Company, the Total and      Permanent Disability monthly payments shall be reduced by the amount of      any worker’s compensation or disability benefit receivable for a      concurrent period by the Participant under any law, except to the extent      such payments are provided by a specific tax, contribution or other      payment paid by the Participant. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (6) | Optional      Retirement.  During the Disability, the Participant may      elect to stop receiving Total and Permanent Disability payments at an      optional early retirement age between 55 and 65 and start to receive the      benefit provided under Section I2.08(a) or(b). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (7) | Continued Proof of      Disability.  Proof of the continuance of the Disability      may be required by the Company at any time, but no more than once per year      after the first year of Disability.  Such proof shall consist of      the required medical statement forms completed by the Participant’s      physician and approved by a physician designated by the      Company.  If there is no agreement between the two      aforementioned physicians, a third physician satisfactory to the      Participant and the Company shall be asked to resolve the      question.  If such Participant is deemed to be able to return to      work and the Company refuses to accept such Participant for employment,      payments will be continued until he is accepted for      employment. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

----

|   | (8) | Recovery from      Disability.  If a Participant recovers from his      Disability prior to his Normal Retirement Age, his Total and Permanent      Disability Benefit shall cease. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (9) | Maximum Benefit      Period. |
|--------|-----|------------------------------|

|   | (A) | For      Disability commencing before Participant’s attainment of age 60 – age      65. |
|--------|-----|-----------------------------------------------------------------------------------------------------|

|   | (B) | For      Disability commencing on or after Participant’s attainment of age 60 – 60      months. |
|--------|-----|-------------------------------------------------------------------------------------------------------------|

|   | (h) | Disability Retirement      Pension.  For a Participant who is a Harrisburg Plant      Employee, the provisions governing a Disability Retirement Benefit under      Section 5.04 of the Plan shall apply to such Participant, except that      references to entitlement to benefits under a long-term disability plan of      the Company shall also include entitlement to a Total and Permanent      Disability Benefit under Section I2.08(g), and the definition of the term      “Disability” set forth in Section I2.08(g)(2)(D) shall apply for such      Participants in lieu of the definition of Disability set forth in Section      1.12 of the Plan. |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (i) | Enhanced Retirement      Program. |
|-----|-----------------------------------|

|   | (1) | This      Section I2.08(i) shall apply to a Participant who is a Harrisburg Plant      Employee and who is covered by the “Agreement on the Effects of the Plant      Closure Between Appleton Papers Inc. and Paper, Allied-Industrial,      Chemical and Energy Workers International Union Local No. 1098,” dated      October 22, 1999, and who, as of December 31, 2000, has or will have      accrued not fewer than five (5) years of Vesting Service and is not less      than fifty (50) years of age. |
|--------|-----|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | If      a covered Participant elects, during a fixed period of time established by      the Company, voluntarily to retire from the service of the Company, such      Participant shall be eligible to receive a Retirement Pension under this      Section I2.08(i) in lieu of any other Retirement Pension provided under      Article 5 or Section I2.08 of the Plan.  Such election shall be      made on a form and in the manner prescribed by the Plan      Administrator. |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (3) | A      Participant who makes an election described in Paragraph (2) above shall      receive the following enhancements to the Retirement Pension such      Participant is otherwise entitled to receive under the Plan, effective as      of the Participant’s actual Termination of Employment (“Retirement      Date”): |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (A) | Five      (5) years shall be added to Participant’s accrued years of Benefit      Service; |
|--------|-----|--------------------------------------------------------------------------------------------------|

|   | (B) | Five      (5) years shall be added to the Participant’s age (for purposes of early      retirement reduction only); |
|--------|-----|---------------------------------------------------------------------------------------------------------------------------|

|   | (C) | Option      to elect immediate commencement of Retirement Pension effective as of the      Participant’s Retirement Date; and |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------|

|   | (D) | The      reduction for commencement prior to Normal Retirement Date specified in      Section I2.08(b)(2)(B), shall be replaced by the following      table: |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      (adjusted per item (B) above)at Pension CommencementDate | Percentage      of Pension PayablePrior to Normal Retirement    Date |
|-------------------------------------------------------------------|----------------------------------------------------------------------|
| 65      or older                                                  | 100%                                                                 |
| 63      - 64                                                      | 100%                                                                 |
| 62                                                                | 100%                                                                 |
| 61                                                                | 95%                                                                  |
| 60                                                                | 90%                                                                  |
| 59                                                                | 85%                                                                  |
| 58                                                                | 80%                                                                  |
| 57                                                                | 75%                                                                  |
| 56                                                                | 70%                                                                  |
| 55                                                                | 65%                                                                  |

|   | (4) | An      election made under Paragraph (2) above shall effective June 30, 2001,      unless an earlier Retirement Date is agreed in writing by and between the      electing Participant and the Company.  An election shall be      invalid if the electing Participant terminates prior to June 30, 2001,      without the prior written agreement of the  Company. |
|--------|-----|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.09 | Special Spouse Benefit      Inapplicable.  For Participants who are Harrisburg Plant      Employees, the “Special Spouse Benefit” described in Article 6 of the Plan      shall not apply. |
|-------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| I2.10 | Additional Methods of      Payment Provisions for Harrisburg Plant Employees.  In      addition to the methods of payment provisions set forth in Article 7 of      the plan, for Participants who are Harrisburg Plant Employees the      following additional or alternative provisions regarding methods of      payment shall apply: |
|-------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | Normal Form of      Benefit.  For a Participant who is a Harrisburg Plant      Employee, the provisions regarding a Retirement Pension set forth in      Section I2.08(c) (which provides for a Special Early Retirement Pension      terminating at the earlier of age 65 or death) or in Section I2.08(g)      (relating to the Total and Permanent Disability Benefit) shall apply to a      Retirement Pension for such Participant in addition to any other      provisions in Article 7 of thePlan. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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

| I2.11 | Additional or      Alternative Actuarial Assumptions.  The following      additional or alternative actuarial assumptions shall apply, as      applicable, with respect to a Participant who is a Harrisburg Plant      Employees in lieu of any actuarial assumptions given in Appendix A to the      Plan which would otherwise apply.  The actuarial assumptions set      forth in Appendix A or this Section I2.11, as applicable, shall be used to      determine benefits for Participants who are Harrisburg Plant Employees and      who either separate from service or accrue benefits on or after January 1,      1984.  For all other such Participants, actuarial determinations      governing benefits under the Plan or the Harrisburg Plant Plan shall be      made in accordance with the Harrisburg Plant Plan as in effect before      January 1, 1984. |
|-------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (a) | 50% Joint and      Surviving Spouse Annuity.  The following table shows the      percentage of the basic monthly Retirement Pension payable to a      Participant who is a Harrisburg Plant Employee and continuing to his      Surviving Spouse at one-half the rate (i.e., 50%) after his death during      the remaining lifetime of suchSpouse. |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| Age      ofSurvivingSpouse | Age      of Participant |
|----------------------------|-------------------------|
|                       | 55                      | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 |
| 65                         | 94.2                    | 93.6 | 93.0 | 92.3 | 91.6 | 90.8 | 90.0 | 89.0 | 88.1 | 87.0 | 85.9 |
| 64                         | 93.8                    | 93.2 | 92.5 | 91.8 | 91.1 | 90.3 | 89.4 | 88.4 | 87.4 | 86.3 | 85.2 |
| 63                         | 93.4                    | 92.7 | 92.1 | 91.3 | 90.6 | 89.7 | 88.8 | 87.8 | 86.8 | 85.7 | 84.5 |
| 62                         | 92.9                    | 92.3 | 91.6 | 90.8 | 90.0 | 89.1 | 88.2 | 87.2 | 86.1 | 85.0 | 83.8 |
| 61                         | 92.5                    | 91.9 | 91.1 | 90.3 | 89.5 | 88.6 | 87.6 | 86.6 | 85.5 | 84.3 | 83.1 |
| 60                         | 92.1                    | 91.4 | 90.7 | 89.8 | 89.0 | 88.0 | 87.0 | 86.0 | 84.8 | 83.6 | 82.4 |
| 59                         | 91.7                    | 91.0 | 90.2 | 89.3 | 88.4 | 87.5 | 86.4 | 85.4 | 84.2 | 83.0 | 81.7 |
| 58                         | 91.2                    | 90.5 | 89.7 | 88.8 | 87.9 | 86.9 | 85.9 | 84.8 | 83.6 | 82.4 | 81.0 |
| 57                         | 90.8                    | 90.0 | 89.2 | 88.3 | 87.4 | 86.4 | 85.3 | 84.2 | 83.0 | 81.7 | 80.4 |
| 56                         | 90.4                    | 89.6 | 88.7 | 87.8 | 86.9 | 85.8 | 84.7 | 83.6 | 82.4 | 81.1 | 79.8 |
| 55                         | 89.9                    | 89.1 | 88.3 | 87.3 | 86.3 | 85.3 | 84.2 | 83.0 | 81.8 | 80.5 | 79.2 |
| 54                         | 89.5                    | 88.7 | 87.8 | 86.9 | 85.8 | 84.8 | 83.7 | 82.5 | 81.2 | 79.9 | 78.6 |
| 53                         | 89.1                    | 88.2 | 87.3 | 86.4 | 85.4 | 84.3 | 83.1 | 81.9 | 80.7 | 79.4 | 78.0 |
| 52                         | 88.7                    | 87.8 | 86.9 | 85.9 | 84.9 | 83.8 | 82.6 | 81.4 | 80.1 | 78.8 | 77.4 |
| 51                         | 88.3                    | 87.4 | 86.4 | 85.4 | 84.4 | 83.3 | 82.1 | 80.9 | 79.6 | 78.3 | 76.9 |
| 50                         | 87.8                    | 87.0 | 86.0 | 85.0 | 83.9 | 82.8 | 81.6 | 80.4 | 79.1 | 77.8 | 76.4 |

| (b) | Additional Factors for      Code Section 415 Limits.  In addition to the interest      rate and mortality tables listed at Section 1.04 of Appendix A to the      Plan, the following factors shall apply to Harrisburg Plant      Employees: |
|-----|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  For      Retirement Pensions payable in a form other than an annuity, for life only      or a qualified joint and survivor annuity, 5% shall be    used. |
|--------|-----|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (2) | Mortality:  For      payments made prior to July 1, 1996, the 1971 Group Annuity Mortality      Table project to 1978 according to Scale E (males, 3 year      setback). |
|--------|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| (c) | Suspended or Duplicate      Benefits.  For purposes of all calculations to which      Section 1.05 of Appendix A to the Plan applies, for Participants who are      Harrisburg Plant Employees the following factors  apply: |
|-----|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | (1) | Interest:  8.25%. |
|--------|-----|-----------------------------|

|   | (2) | Mortality:  The      1971 Group Annuity Mortality Table projected to 1978 according to Scale E      (males, 3 year setback). |
|--------|-----|----------------------------------------------------------------------------------------------------------------------------------------|

| (d) | All Other      Equivalencies.  For purposes of all calculations to which      Section 1.08 of Appendix A to the Plan applies, for Participants who are      Harrisburg Plant Employees, the Mortality Table used shall be the 1971      Group Annuity Mortality Table projected to 1978 according to Scale E      (males, 3 year setback). |
|-----|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|