EXHIBIT 10.20(f)   Name of Custodian *(Optional)*:         Signed:             [Name/Title]31. **Plan Number.**The 3-digit plan number the Employer assigns to this Plan for ERISA reportingpurposes (Form 5500 Series) is:  003 .**Use of Adoption Agreement.**Failure to complete properly the elections in this Adoption Agreementmay result in disqualification of the Employer’s Plan. The Employer only may use this AdoptionAgreement in conjunction with the basic plan document referenced by its document number on AdoptionAgreement page one.**Execution for Page Substitution Amendment Only.**If this paragraph is completed, this Execution Pagedocuments an amendment to Adoption Agreement Section(s)  18  effective 1/1/2004 , by substitute Adoption Agreement page number(s)  10 .**Prototype Plan Sponsor.**The Prototype Plan Sponsor identified on the first page of the basic plandocument will notify all adopting employers of any amendment of this Prototype Plan or of anyabandonment or discontinuance by the Prototype Plan Sponsor of its maintenance of this PrototypePlan. For inquiries regarding the adoption of the Prototype Plan, the Prototype Plan Sponsor’sintended meaning of any Plan provisions or the effect of the opinion letter issued to the PrototypePlan Sponsor, please contact the Prototype Plan Sponsor at the following address and telephonenumber:  1525 West W.T. Harris Blvd., Charlotte, NC 28288, (800) 669-5812 .**Reliance on Sponsor Opinion Letter.**The Prototype Plan Sponsor has obtained from the IRS an opinionletter specifying the form of this Adoption Agreement and the basic plan document satisfy, asof the date of the opinion letter, Code §401. An adopting Employer may rely on the PrototypeSponsor’s IRS opinion letter *only*to the extent provided in Announcement 2001-77, 2001-30I.R.B. The Employer may not rely on the opinion letter in certain other circumstances or withrespect to certain qualification requirements, which are specified in the opinion letter andin Announcement 2001-77. In order to have reliance in such circumstances or with respect tosuch qualification requirements, the Employer must apply for a determination letter toEmployee Plans Determinations of the Internal Revenue Service.

 
o (c) **Reduce administrative expenses.**First to reduce the Plan’s ordinary and necessary administrativeexpenses for the Plan Year and then allocate any remaining forfeitures in the manner describedin Sections 3.05(a) or (b) as applicable.**Timing of forfeiture allocation.**The Plan Administrator will allocate forfeitures under Section3.05 in the Plan Year: *(Choose one of (d) or (e))*o (d)In which the forfeiture occurs. þ (e)Immediately following the Plan Year in which the forfeiture occurs. 18. ALLOCATION CONDITIONS **(3.06)**.**Allocation conditions.**The Plan does not apply any allocation conditions to deferral contributions,401(k) safe harbor contributions (under Section 3.01(d)) or to Davis-Bacon contributions (except asthe Davis-Bacon contract provides). To receive an allocation of matching contributions, nonelectivecontributions, qualified nonelective contributions or Participant forfeitures, a Participant mustsatisfy the following allocation condition(s): *(Choose one or more of (a) through (i) asapplicable)*o (a) **Hours of Service condition.**The Participant must completeat least the specified number of Hours of Service (notexceeding 1,000) during the Plan Year:                     . o (b) **Employment condition.**The Participant must be employed bythe Employer on the last day of the Plan Year*(designate time period)*. þ (c) **No allocation conditions.** o (d) **Elapsed Time Method.**The Participant must complete at leastthe specified number (not exceeding 182) of consecutivecalendar days of employment with the Employer during thePlan Year:                      . o (e) **Termination of Service/501 Hours of Service coverage rule.**The Participant either must be employed by the Employer onthe last day of the Plan Year or must complete at least 501Hours of Service during the Plan Year. If the Plan uses theElapsed Time Method of crediting Service, the Participantmust complete at least 91 consecutive calendar days ofemployment with the Employer during the Plan Year. o (f) **Special allocation conditions for matching contributions.**The Participant must complete at least                     Hoursof Service during the                     (*designate time period*)for the matching contributions made for that time period. o (g) **Death, Disability or Normal Retirement Age.**Any conditionspecified in Section 3.06                     applies if theParticipant incurs a Separation from Service during thePlan Year on account of:                     (e.g., death,Disability or Normal Retirement Age). o (h) **Suspension of allocation conditions for coverage.**Thesuspension of allocation conditions of Plan Section 3.06(E)applies to the Plan. o (i) **Limited allocation conditions.**The Plan does not impose anallocation condition for the following types ofcontributions:                     . [*Note: Any election to limitthe Plan’s allocation conditions to certain contributionsmust be the same for all Participants, be definitelydeterminable and not discriminate in favor of HighlyCompensated Employees.*]**ARTICLE IV**